[Nettime-bold] We are the Competition...

["IQ - O'Toole" <o'toole@insiq.us>]

Title: We are the Competition...

	Monthly benefits ...not weekly or daily benefits
	Elimination based on days of illness ...not days of care
	Up to 90 days of the elimination period waived for Home Health Care if the insured uses our free care coordinator
	Spouse discount calculated for each premium...not the lesser of the two premiums
	Waiver of Premium elimination period based on days of illness ...not days of care

Call O'Toole and Associates today for more information!

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 *Bonus available through 12/15/2002 and not available through all carriers.. For agent use only.

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