ÿþ<html lang="en" xml:lang="en" xmlns="http://www.w3.org/1999/xhtml" xmlns:cctd="http://www.constantcontact.com/cctd"> <head> <title>July 2006 Newsletter</title> </head> <body bgcolor="#FFFFFF" style="BACKGROUND-COLOR: #FFFFFF;MARGIN: 0px 0px 0px 0px;"><TABLE width="100%" border="0" CELLSPACING="0" CELLPADDING="0" BGCOLOR="#D4D0C8"><TR><TD WIDTH="4"></TD><TD><TABLE border="0" CELLSPACING="0"><TR><TD ALIGN="left" VALIGN="top" NOWRAP><B><FONT face="Arial" size="2">Subject</FONT></B></TD><TD ALIGN="left" VALIGN="top" NOWRAP WIDTH="10"><B><FONT face="Arial" size="2">:</FONT></B></TD><TD ALIGN="left" VALIGN="top" ><FONT face="Arial" size="2">July 2006 Newsletter</FONT></TD></TR> <TR><TD ALIGN="left" VALIGN="top" NOWRAP><B><FONT face="Arial" size="2">Date</FONT></B></TD><TD ALIGN="left" VALIGN="top" NOWRAP WIDTH="10"><B><FONT face="Arial" size="2">:</FONT></B></TD><TD ALIGN="left" VALIGN="top" ><FONT face="Arial" size="2">Tue, 11 Jul 2006 18:39:00 -0500</FONT></TD></TR> <TR><TD ALIGN="left" VALIGN="top" NOWRAP><B><FONT face="Arial" size="2">From</FONT></B></TD><TD ALIGN="left" VALIGN="top" NOWRAP WIDTH="10"><B><FONT face="Arial" size="2">:</FONT></B></TD><TD ALIGN="left" VALIGN="top" ><FONT face="Arial" size="2">VERNON BELL <A href="mailto:info@vernbellagency.com"><FONT color="#0000FF">&lt;info@vernbellagency.com&gt;</FONT></A></FONT></TD></TR> <TR><TD ALIGN="left" VALIGN="top" NOWRAP><B><FONT face="Arial" size="2">To</FONT></B></TD><TD ALIGN="left" VALIGN="top" NOWRAP WIDTH="10"><B><FONT face="Arial" size="2">:</FONT></B></TD><TD ALIGN="left" VALIGN="top" ><FONT face="Arial" size="2"><A href="mailto:vern@vernbellagency.com"><FONT color="#0000FF">&lt;vern@vernbellagency.com&gt;</FONT></A></FONT></TD></TR> </TABLE></TD><TD></TD><TD WIDTH=2 BGCOLOR="#808080"></TD><TD WIDTH=1 BGCOLOR="#404040"></TD></TR><TR BGCOLOR="#808080"><TD WIDTH="4"></TD><TD HEIGHT="2"></TD><TD HEIGHT="2"></TD><TD HEIGHT="2" WIDTH="1"></TD><TD HEIGHT="1" WIDTH="1" BGCOLOR="#404040"></TD></TR><TR BGCOLOR="#404040"><TD WIDTH="4"></TD><TD HEIGHT="1"></TD><TD HEIGHT="1"></TD><TD HEIGHT="1" WIDTH="1"></TD><TD HEIGHT="1" WIDTH="1"></TD></TR></TABLE><BR><center><table bgcolor="#ffffff" width="595"><tr><td width="100%"><font color="#000000" face="verdana,arial" size="1"><ReminderContent>You are receiving this email from Vern Bell Agency because you purchased a product/service or subscribed on our website. 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To no longer receive our emails, click to <a href="http://ui.constantcontact.com/d.jsp?p=un&m=1101166970373&ea=vern%40vernbellagency.com&se=&t=1101348533529&lang=en&reason=F&id=preview.1101166970373" style="color:#0000ff;" target="_blank">unsubscribe</a>.</ReminderContent></font></td></tr></table></center> <div align="center" bgcolor="#FFFFFF" style="BACKGROUND-COLOR: #FFFFFF;MARGIN: 0px 0px 0px 0px;"> <img alt=" " height="1" src="http://rs6.net/on.jsp?t=1101348533529.0.1101166970373.0&ts=S0194&o=http://ui.constantcontact.com/images/p1x1.gif" width="1"/> <table bgcolor="#003366" border="0" cellpadding="0" cellspacing="2" style="BACKGROUND-COLOR: #003366;" width="610"> <tr> <td bgcolor="#FFFFFF" colspan="1" rowspan="1" style="BACKGROUND-COLOR: #FFFFFF;"> <table border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td align="center" colspan="2" rowspan="1" style="TEXT-ALIGN: center;" valign="bottom"> <img align="center" alt="Dallasview" border="0" height="172.8" src="http://origin.ih.constantcontact.com/fs038/1101166970373/img/1.jpg?a=1101348533529" vspace="2" width="604.8"/> </td> </tr> <tr bgcolor="#668ABE" style="BACKGROUND-COLOR: #668ABE;"> <td colspan="2" height="60" rowspan="1" style="TEXT-ALIGN: center;"><font color="#FFFFFF" face="Georgia,'Times New Roman',Times,serif" size="6" style="FONT-FAMILY: Georgia,'Times New Roman',Times,serif;FONT-SIZE: 24pt;COLOR: #FFFFFF;">Insurance News & Advice</font></td> </tr> <tr> <td colspan="1" rowspan="1" style="TEXT-ALIGN: left;PADDING-LEFT: 5px;"><font color="#003366" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;COLOR: #003366;">Annuities</font></td> <td colspan="1" rowspan="1" style="TEXT-ALIGN: right;PADDING-RIGHT: 5px;"><font color="#003366" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;COLOR: #003366;">July 2006</font></td> </tr> </table> <p> </p> <table bgcolor="#EEEEDF" border="0" cellpadding="0" cellspacing="0" style="BACKGROUND-COLOR: #EEEEDF;" width="100%"> <tr> <td colspan="1" rowspan="1" valign="top"> <table bgcolor="#003366" border="0" cellpadding="0" cellspacing="2" style="BACKGROUND-COLOR: #003366;" width="100%"> <tr> <td align="center" bgcolor="#FFFFFF" colspan="1" rowspan="1" style="BACKGROUND-COLOR: #FFFFFF;" valign="top"><font color="#003366" face="Georgia,'Times New Roman',Times,serif" size="3" style="FONT-FAMILY: Georgia,'Times New Roman',Times,serif;FONT-SIZE: 13pt;COLOR: #003366;">in this issue</font></td> </tr> </table> <table border="0" cellpadding="2" cellspacing="0" width="100%"> <tr> <td align="center" bgcolor="#DBE8F4" colspan="1" rowspan="1" style="BACKGROUND-COLOR: #DBE8F4;" valign="top"> <font color="#000000" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;COLOR: #000000;"> <br/> <p><a color="#003366" href="#column" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">Annuity Basics</a></p> <p><a color="#003366" href="#article1.bg1" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">Annuity funded Long Term Care Insurance?</a></p> <p><a color="#003366" href="#article1.bg2" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">Permanent Life Insurance funded Long Term Care Insurance?</a></p> <p><a color="#003366" href="#article2.bg1" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">Top Ten Life Insurance Blunders</a></p> <p><a color="#003366" href="#article2.bg2" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">New Contact Info</a></p> <br/> </font> </td> </tr> <tr> <td bgcolor="#003366" colspan="1" rowspan="1" style="BACKGROUND-COLOR: #003366;" valign="top"><div>&#160;</div></td> </tr> </table> <table bgcolor="#EEEEDF" border="0" cellpadding="0" cellspacing="0" style="BACKGROUND-COLOR: #EEEEDF;" width="100%"> <tr> <td align="center" colspan="1" rowspan="1"> <a name="column" shape="rect"/> <font color="#000000" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;COLOR: #000000;"> <font color="#003366" face="Verdana, Geneva, Arial, Helvetica, sans-serif" size="4" style="FONT-FAMILY: Verdana, Geneva, Arial, Helvetica, sans-serif;FONT-SIZE: 14pt;COLOR: #003366;"> <div><br/>Annuity Basics</div> </font> <p> In its most basic form, an annuity is a contract between the contract owner and the insurance company to pay the annuitant equal installments over an agreed period of time in return for an up front payment or payments.<br><br> So much for basics. As with nearly all financial products there are many variations. The simplest annuity is a Single Premium Immediate Annuity. As the name implies the owner pays a lump sum of money and starts getting payments immediately. These payments can be scheduled over a defined number of years or a lifetime. Originally, these products offered a fixed yield over the life of the contract. Contemporary products offer yields that are tied to a financial index like the Standard & Poors 500.<br><br> A straight life annuity provides the greatest income per month for the life of the purchaser. However, should the annuitant die before the principal is depleted, the balance is, in effect, forfeited to the insurer. Nevertheless, this is a popular option for those seeking a reliable stream of income for retirement purposes, because the money will never "run out." Other income options include period certain, life with period certain and joint and full survivor.<br><br> The lump some of money, or principal, required to fund an annuity can be created in one of two ways: With an immediate annuity the purchaser purchases the annuity contract with a single, up front, sum of money - the premium. An annuity may also be funded with a series of payments over time. An annuity can be used for retirement purposes, to fund a college education or to secure Long Term Care benefits for consumers who would not otherwise qualify for conventional Long Term Care Insurance. </p> <a color="#003366" href="http://rs6.net/tn.jsp?t=zi6zxwbab.0.0.fqbvkrbab.0&ts=S0194&p=http%3A%2F%2Fwww.vernbellagency.com" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">Vern Bell Agency Web Site</a> </font> <br/> <br/> </td> </tr> </table> <br/> </td> <td align="left" bgcolor="#FFFFFF" colspan="1" rowspan="2" style="BACKGROUND-COLOR: #FFFFFF;" valign="top" width="420"> <table border="0" cellpadding="2" cellspacing="0" width="100%"> <tr bgcolor="#FFFFFF" style="BACKGROUND-COLOR: #FFFFFF;"> <td colspan="1" rowspan="1" style="PADDING-LEFT: 10px;" valign="top"> </td> <td colspan="1" rowspan="1" valign="top"> <font color="#000000" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;COLOR: #000000;"> <font color="#000000" face="Verdana, Geneva, Arial, Helvetica, sans-serif" size="2" style="FONT-FAMILY: Verdana, Geneva, Arial, Helvetica, sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;COLOR: #000000;"></font> <p> An annuity is essentially the mirror image of life insurance. The principal function of life insurance is to create an estate, or lump sum of money, by making periodic payments to the insurance company. The function of an annuity is to take a lump sum of money and turn it into a stream of periodic payments to the annuitant.<br><br> Annuities have become incredibly popular, especially since the Internet bubble burst. Many new kinds of annuities have been developed. Some provide a guaranteed minimum yield while allowing the owner to participate in market gains. Others address special needs. This issue is devoted to clearing up some of the confusion that surrounds these highly innovative products. </p> <br/> </font> </td> </tr> <tr> <td bgcolor="#003366" colspan="2" height="3" rowspan="1" style="BACKGROUND-COLOR: #003366;" valign="bottom"> </td> </tr> <tr> <td colspan="2" height="2" rowspan="1" valign="bottom"> </td> </tr> <tr> <td bgcolor="#003366" colspan="2" height="2" rowspan="1" style="BACKGROUND-COLOR: #003366;" valign="bottom"> </td> </tr> </table> <a name="article1.bg1" shape="rect"/> <table bgcolor="#FFFFFF" border="0" cellpadding="4" cellspacing="0" style="BACKGROUND-COLOR: #FFFFFF;" width="100%"> <tr> <td colspan="2" rowspan="1" valign="top"><font color="#003366" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;COLOR: #003366;"><li style="MARGIN-LEFT: 12pt;TEXT-INDENT: -12pt;">Annuity funded Long Term Care Insurance?</li></font></td> </tr> <tr> <td colspan="1" rowspan="1" style="PADDING-LEFT: 10px;" valign="top"> </td> <td colspan="1" rowspan="1" valign="top"> <font color="#000000" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;COLOR: #000000;"> <div align="center"> <a href="http://rs6.net/tn.jsp?t=zi6zxwbab.0.0.fqbvkrbab.0&ts=S0194&p=http%3A%2F%2Fwww.vernbellagency.com" shape="rect"><img align="right" alt="Long Term Care" border="0" height="156" hspace="5" src="http://origin.ih.constantcontact.com/fs038/1101166970373/img/8.gif?a=1101348533529" vspace="5" width="215"/></a> </div> <p> A new kind of single premium deferred annuity has been developed that combines long-term asset growth and long-term care protection. This product initially credits interest to the full contract premium at two interest rates. One rate is applied to the Long- Term Care (LTC) Fund, the other rate is applied to the Cash Value Fund. These funds are linked -- a withdrawal from one will reduce the other proportionally so that when one fund is reduced to zero value, the other is also reduced to zero and the policy and rider end. The product has both a guaranteed and a non-guaranteed yield. <br><br> The real beauty of this kind of product is that consumers who have been declined for conventional Long Term Care Insurance may may be approved for this annuity based product. The only way to know for sure is to apply. I can help you with that. Just click on the following link and call or email. </p> </font> </td> </tr> <tr> <td colspan="1" rowspan="1" style="PADDING-LEFT: 10px;" valign="top"> </td> <td colspan="1" rowspan="1" style="TEXT-ALIGN: left;PADDING-BOTTOM: 10px;"><font color="#000000" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;COLOR: #000000;"><a color="#003366" href="http://rs6.net/tn.jsp?t=zi6zxwbab.0.0.fqbvkrbab.0&ts=S0194&p=http%3A%2F%2Fwww.vernbellagency.com%2FContact_Us.html" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">Contact us..</a></font></td> </tr> <tr> <td bgcolor="#003366" colspan="2" rowspan="1" style="BACKGROUND-COLOR: #003366;" valign="bottom"> </td> </tr> </table> <a name="article1.bg2" shape="rect"/> <table bgcolor="#DBE8F4" border="0" cellpadding="4" cellspacing="0" style="BACKGROUND-COLOR: #DBE8F4;" width="100%"> <tr> <td colspan="2" rowspan="1" valign="top"><font color="#003366" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;COLOR: #003366;"><li style="MARGIN-LEFT: 12pt;TEXT-INDENT: -12pt;">Permanent Life Insurance funded Long Term Care Insurance?</li></font></td> </tr> <tr> <td colspan="1" rowspan="1" style="PADDING-LEFT: 10px;" valign="top"> </td> <td colspan="1" rowspan="1" valign="top"> <font color="#000000" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;COLOR: #000000;"> <div align="center"> </div> <p> Permanent Life Insurance never expires. That is, as long as you keep up the premium the insurance benefit will pay out no matter how long you live. This kind of Life Insurance is more expensive than Term insurance. But, unlike Term, these products accrue a cash value over time. Recently, Insurance Companies have introduced products which fund Long Term Care Insurance using a Permanent Life policy. Again, the objective is to give more consumers access to Long Term Care Benefits. <br><br>If you would like to discuss any of these highly innovative products feel free to call or email me. </p> </font> </td> </tr> <tr> <td colspan="1" rowspan="1" style="PADDING-LEFT: 10px;" valign="top"> </td> <td colspan="1" rowspan="1" style="TEXT-ALIGN: left;PADDING-BOTTOM: 10px;"><font color="#000000" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;COLOR: #000000;"><a color="#003366" href="http://rs6.net/tn.jsp?t=zi6zxwbab.0.0.fqbvkrbab.0&ts=S0194&p=http%3A%2F%2Fwww.vernbellagency.com%2FContact_Us.html" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">Contact us..</a></font></td> </tr> <tr> <td bgcolor="#003366" colspan="2" rowspan="1" style="BACKGROUND-COLOR: #003366;" valign="bottom"> </td> </tr> </table> <a name="article2.bg1" shape="rect"/> <table bgcolor="#FFFFFF" border="0" cellpadding="4" cellspacing="0" style="BACKGROUND-COLOR: #FFFFFF;" width="100%"> <tr> <td colspan="2" rowspan="1" valign="top"><font color="#003366" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;COLOR: #003366;"><li style="MARGIN-LEFT: 12pt;TEXT-INDENT: -12pt;">Top Ten Life Insurance Blunders</li></font></td> </tr> <tr> <td colspan="1" rowspan="1" style="PADDING-LEFT: 10px;" valign="top"> </td> <td colspan="1" rowspan="1" valign="top"> <font color="#000000" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;COLOR: #000000;"> <div align="center"> </div> <p> If you're considering buying, increasing or replacing your life insurance there are many pitfalls to consider. I've composed a list of the Top Ten blunders I see clients make over and over. Click on the web link to see all ten. Then call or email for a free no-obligation quote. </p> </font> </td> </tr> <tr> <td colspan="1" rowspan="1" style="PADDING-LEFT: 10px;" valign="top"> </td> <td colspan="1" rowspan="1" style="TEXT-ALIGN: left;PADDING-BOTTOM: 10px;"><font color="#000000" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;COLOR: #000000;"><a color="#003366" href="http://rs6.net/tn.jsp?t=zi6zxwbab.0.0.fqbvkrbab.0&ts=S0194&p=http%3A%2F%2Fwww.vernbellagency.com%2FTop.html" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">Link to Top Ten Blunders..</a></font></td> </tr> <tr> <td bgcolor="#003366" colspan="2" rowspan="1" style="BACKGROUND-COLOR: #003366;" valign="bottom"> </td> </tr> </table> <a name="article2.bg2" shape="rect"/> <table bgcolor="#DBE8F4" border="0" cellpadding="4" cellspacing="0" style="BACKGROUND-COLOR: #DBE8F4;" width="100%"> <tr> <td colspan="2" rowspan="1" valign="top"><font color="#003366" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;COLOR: #003366;"><li style="MARGIN-LEFT: 12pt;TEXT-INDENT: -12pt;">New Contact Info</li></font></td> </tr> <tr> <td colspan="1" rowspan="1" style="PADDING-LEFT: 10px;" valign="top"> </td> <td colspan="1" rowspan="1" valign="top"> <font color="#000000" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;COLOR: #000000;"> <div align="center"> <a href="http://rs6.net/tn.jsp?t=zi6zxwbab.0.0.fqbvkrbab.0&ts=S0194&p=http%3A%2F%2Fwww.vernbellagency.com" shape="rect"><img align="right" alt="Vern Bell" border="0" height="128" hspace="5" src="http://origin.ih.constantcontact.com/fs038/1101166970373/img/2.jpg?a=1101348533529" vspace="5" width="100"/></a> </div> <p> Please note that my contact information recently changed. My new address and phone number are on my web site. The email address remains the same. </p> </font> </td> </tr> <tr> <td colspan="1" rowspan="1" style="PADDING-LEFT: 10px;" valign="top"> </td> <td colspan="1" rowspan="1" style="TEXT-ALIGN: left;PADDING-BOTTOM: 10px;"><font color="#000000" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;COLOR: #000000;"><a color="#003366" href="http://rs6.net/tn.jsp?t=zi6zxwbab.0.0.fqbvkrbab.0&ts=S0194&p=http%3A%2F%2Fwww.vernbellagency.com%2FContact_Us.html" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">Link to new contact info...</a></font></td> </tr> <tr> <td bgcolor="#003366" colspan="2" rowspan="1" style="BACKGROUND-COLOR: #003366;" valign="bottom"> </td> </tr> </table> </td> </tr> <tr> <td align="center" bgcolor="#EEEEDF" colspan="1" rowspan="1" style="BACKGROUND-COLOR: #EEEEDF;" valign="bottom"> <table cellpadding="0" cellspacing="0" width="100%"> <tr> <td bgcolor="#003366" colspan="1" rowspan="1" style="BACKGROUND-COLOR: #003366;"><img border="0" height="1" src="http://img.constantcontact.com/letters/images/spacer.gif" width="1"/></td> </tr> <tr> <td colspan="1" rowspan="1" style="TEXT-ALIGN: center;LINE-HEIGHT: 15px;PADDING: 10px 0px 10px 0px;"> <font color="#003366" face="Verdana, Geneva, Arial, Helvetica, sans-serif" size="1" style="FONT-FAMILY: Verdana, Geneva, Arial, Helvetica, sans-serif;FONT-SIZE: 8pt;FONT-WEIGHT: bold;COLOR: #003366;"> <div> :: <a color="#003366" href="mailto:vern@vernbellagency.com" shape="rect" style="COLOR: #003366;">vern@vernbellagency.com</a> </div> <div> :: <a color="#003366" href="http://rs6.net/tn.jsp?t=zi6zxwbab.0.0.fqbvkrbab.0&ts=S0194&p=http%3A%2F%2Fwww.vernbellagency.com" shape="rect" style="COLOR: #003366;">http://www.vernbellagency.com</a> </div> </font> </td> </tr> <tr> <td bgcolor="#003366" colspan="1" rowspan="1" style="BACKGROUND-COLOR: #003366;"><img border="0" height="1" src="http://img.constantcontact.com/letters/images/spacer.gif" width="1"/></td> </tr> <tr> <td colspan="1" rowspan="1" style="TEXT-ALIGN: center;LINE-HEIGHT: 15px;PADDING: 10px 0px 10px 0px;"> <font color="#003366" face="Verdana, Geneva, Arial, Helvetica, sans-serif" size="1" style="FONT-FAMILY: Verdana, Geneva, Arial, Helvetica, sans-serif;FONT-SIZE: 8pt;FONT-WEIGHT: bold;COLOR: #003366;"> <div> :: 214.227.8735 </div> </font> </td> </tr> <tr> <td bgcolor="#003366" colspan="1" rowspan="1" style="BACKGROUND-COLOR: #003366;"><img border="0" height="1" src="http://img.constantcontact.com/letters/images/spacer.gif" width="1"/></td> </tr> </table> </td> </tr> </table> </td> </tr> </table> <p> </p> <div style="visibility:hidden"> </div> </div> <br/> <table bgcolor="#ffffff" padding="0" width="100%"><tr align="center"><td><table bgcolor="#ffffff" width="595"><tr><td colspan="2"><font face="verdana,arial" size="1"><b><a href="http://ui.constantcontact.com/sa/fwtf.jsp?m=1101166970373&ea=vern%40vernbellagency.com&a=1101348533529&id=preview" style="color: #0000ff;" target="_blank">Forward email</a></b></font><br/> <br/> </td></tr> <tr><td><font face="verdana,arial" size="1"><FooterContent><a href="http://ui.constantcontact.com/d.jsp?p=un&m=1101166970373&ea=vern%40vernbellagency.com&se=&t=1101348533529&lang=en&reason=F&id=preview.1101166970373" target="_blank"><img border="0" src="http://img.constantcontact.com/letters/images/safe_unsubscribe_logo.gif"/></a> <div>This email was sent to vern@vernbellagency.com, by <a href="mailto:info@vernbellagency.com" style="color:#0000ff;">info@vernbellagency.com</a></div> <div><a href="http://ui.constantcontact.com/d.jsp?p=oo&m=1101166970373&ea=vern%40vernbellagency.com&se=&t=1101348533529&lang=en&reason=F&id=preview.1101166970373" style="color:#0000ff;" target="_blank">Update Profile/Email Address</a> | Instant removal with <a href="http://ui.constantcontact.com/d.jsp?p=un&m=1101166970373&ea=vern%40vernbellagency.com&se=&t=1101348533529&lang=en&reason=F&id=preview.1101166970373" style="color:#0000ff;" target="_blank">SafeUnsubscribe</a>&#8482; | <a href="http://ui.constantcontact.com/roving/CCPrivacyPolicy.jsp?id=preview" style="color:#0000ff;" target="_blank">Privacy Policy</a>.</div></FooterContent></font> </td> <td><font face="verdana,arial" size="1"><FooterLogo><div>Powered by</div><a href="http://www.constantcontact.com/index.jsp?cc=news05"><img border="0" src="http://img.constantcontact.com/letters/images/cc-logo-color-sm.gif"/></a></FooterLogo></font> </td> </tr> <tr><td colspan="2"><font face="verdana,arial" size="1"><br/>Vern Bell Agency | 1004 South Fork Drive | Little Elm | TX | 75068</font> </td> </tr> </table> </td> </tr> </table> <br/> </body> </html>