| ;)  | In-House and Home Office Experienced Impaired Risk Underwriters
 
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                | ;)  | 50 Years Home Office and Agency Impaired Risk Experience | 
               
                | ;)  | Tremendous Relationships with Underwriters | 
               
                | ;)  | The PRO's at Brokerage PROfessionals know how to read and analyze 
                  attending physican statements and discuss them with the company 
                  underwriters and medical directors 
 ;)  | 
               
                | ;)  | All processing of applications done in-house. We don't just copy 
                  the records and send them everywhere. All APS's are analyzed and 
                  strategically shared with the proper impaired risk company. 
 ;) | 
               
                | ;)  | All contracts are direct with the carriers and we offer competitive 
                  compensation. 
 ;)  | 
               
                | ;)  | WE GET THINGS DONE! 
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