Kuchchbhee - I read your post (below). Can you advise what to get? what exact policy did you buy? What specific are you looking ot buy in the future? I am in the same boat, elderly GC parents, no work history, I am a U.S citizen and I sponsored their GC (affidavit of support). your post: "I have purchased insurance from INDNET for my 70+ parents. I decided to go with KV RAO/INDNET as i heard good feedback about them. However, for future i am seriously thinking about using one of companies thru INSUBUY as i can see comparable coverage for far less premium." Currently paying $500/mo for fixed coverage. At Insubuy, i can get fixed coverage for almost its half.