I do not believe I like either. With Carry Guard, if you are charged with a crime (perish the thought) you have to pay for your own defense, as I read it, and they will pay you back if you are found not guilty. Who has $ 100,000 up front for a good defense lawyer? I sure don't. I do not plan on committing a crime, but I have seen how DA's work. You are at their mercy, I have seen good and bad ones. I have not studied the other company's offering but I think it is very tacky they way they were treated. I do not like that one bit. I have always championed victims of bullying, and come to their aid.