| Christmas came early! Call M&O Marketing today!
 
 ;) - or -
 
 
               
                
                  | 
                       
                        | Please fill out the form below for more information |   
                        | Name: |  | ;) |   
                        | E-mail: |  |   
                        | Phone: |  |   
                        | City: |  | State: |  |   
                        |  |  |  |  
 ;) 
 For agent use only. Cash Bonuses awarded 
              on Long Term Care and Annuity paid, issued business. Business must 
              be written through M&O Marketing, with any of our four top carriers. 
              For participating hierarchies only; see your General Agency for 
              details. Offer ends 12/31/02. |