ÿþ<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"> <!-- saved from url=(0098)http://www.vernbellagency.com/news%20letters/february%202006%20-%20insurance%20benefits%20news.htm --> <HTML lang=en xmlns="http://www.w3.org/1999/xhtml" xml:lang="en" xmlns:cctd = "http://www.constantcontact.com/cctd"><HEAD><TITLE>Insurance Benefits News</TITLE> <META http-equiv=Content-Type content="text/html; charset=unicode"> <META content="MSHTML 6.00.2900.2912" name=GENERATOR></HEAD> <BODY style="MARGIN: 0px; BACKGROUND-COLOR: #ffffff" bgColor=#ffffff> <TABLE cellSpacing=0 cellPadding=0 width="100%" bgColor=#d4d0c8 border=0> <TBODY> <TR> <TD width=4></TD> <TD> <TABLE cellSpacing=0 border=0> <TBODY> <TR> <TD vAlign=top noWrap align=left><B><FONT face=Arial size=2>Subject</FONT></B></TD> <TD vAlign=top noWrap align=left width=10><B><FONT face=Arial size=2>:</FONT></B></TD> <TD vAlign=top align=left><FONT face=Arial size=2>Insurance Benefits News</FONT></TD></TR> <TR> <TD vAlign=top noWrap align=left><B><FONT face=Arial size=2>Date</FONT></B></TD> <TD vAlign=top noWrap align=left width=10><B><FONT face=Arial size=2>:</FONT></B></TD> <TD vAlign=top align=left><FONT face=Arial size=2>Mon, 6 Mar 2006 14:56:00 -0600</FONT></TD></TR> <TR> <TD vAlign=top noWrap align=left><B><FONT face=Arial size=2>From</FONT></B></TD> <TD vAlign=top noWrap align=left width=10><B><FONT face=Arial size=2>:</FONT></B></TD> <TD vAlign=top align=left><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 vAlign=top noWrap align=left><B><FONT face=Arial size=2>To</FONT></B></TD> <TD vAlign=top noWrap align=left width=10><B><FONT face=Arial size=2>:</FONT></B></TD> <TD vAlign=top align=left><FONT face=Arial size=2><A href="mailto:vern@barkwood.net"><FONT color=#0000ff>&lt;vern@barkwood.net&gt;</FONT></A></FONT></TD></TR></TBODY></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 width=1 height=2></TD> <TD width=1 bgColor=#404040 height=1></TD></TR> <TR bgColor=#404040> <TD width=4></TD> <TD height=1></TD> <TD height=1></TD> <TD width=1 height=1></TD> <TD width=1 height=1></TD></TR></TBODY></TABLE><BR> <CENTER> <TABLE width=595 bgColor=#ffffff> <TBODY> <TR> <TD width="100%"><FONT face=verdana,arial color=#000000 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&amp;m=1101166970373&amp;ea=vern%40vernbellagency.com&amp;t=1101212371037&amp;lang=en&amp;reason=F&amp;id=preview.1101166970373" target=_blank>unsubscribe</A>.</REMINDERCONTENT></FONT></TD></TR></TBODY></TABLE></CENTER> <DIV style="MARGIN: 0px; BACKGROUND-COLOR: #ffffff" align=center bgcolor="#FFFFFF"><IMG height=1 alt=" " src="" width=1> <TABLE style="BACKGROUND-COLOR: #003366" cellSpacing=2 cellPadding=0 width=610 bgColor=#003366 border=0> <TBODY> <TR> <TD style="BACKGROUND-COLOR: #ffffff" bgColor=#ffffff> <TABLE cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD style="TEXT-ALIGN: center" vAlign=bottom align=middle colSpan=2><IMG height=172 alt=Dallasview src="february 2006 - Insurance Benefits News_files/1.jpg" width=604 align=center vspace=2 border=0> </TD></TR> <TR style="BACKGROUND-COLOR: #668abe" bgColor=#668abe> <TD style="TEXT-ALIGN: center" colSpan=2 height=60><FONT style="FONT-SIZE: 24pt; COLOR: #ffffff; FONT-FAMILY: Georgia,'Times New Roman',Times,serif" face="Georgia,'Times New Roman',Times,serif" color=#ffffff size=6>Insurance News &amp; Advice</FONT></TD></TR> <TR> <TD style="PADDING-LEFT: 5px; TEXT-ALIGN: left"><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #003366; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003366 size=2>How long can healthcare costs continue rising?</FONT></TD> <TD style="PADDING-RIGHT: 5px; TEXT-ALIGN: right"><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #003366; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003366 size=2>February 2006</FONT></TD></TR></TBODY></TABLE> <P></P> <TABLE style="BACKGROUND-COLOR: #eeeedf" cellSpacing=0 cellPadding=0 width="100%" bgColor=#eeeedf border=0> <TBODY> <TR> <TD vAlign=top> <TABLE style="BACKGROUND-COLOR: #003366" cellSpacing=2 cellPadding=0 width="100%" bgColor=#003366 border=0> <TBODY> <TR> <TD style="BACKGROUND-COLOR: #ffffff" vAlign=top align=middle bgColor=#ffffff><FONT style="FONT-SIZE: 13pt; COLOR: #003366; FONT-FAMILY: Georgia,'Times New Roman',Times,serif" face="Georgia,'Times New Roman',Times,serif" color=#003366 size=3>in this issue</FONT></TD></TR></TBODY></TABLE> <TABLE cellSpacing=0 cellPadding=2 width="100%" border=0> <TBODY> <TR> <TD style="BACKGROUND-COLOR: #dbe8f4" vAlign=top align=middle bgColor=#dbe8f4><FONT style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#000000 size=2><BR> <P><A style="FONT-WEIGHT: bold; COLOR: #003366" href="http://www.vernbellagency.com/news%20letters/february%202006%20-%20insurance%20benefits%20news.htm#column" shape=rect color="#003366">Health Savings Accounts.</A></P> <P><A style="FONT-WEIGHT: bold; COLOR: #003366" href="http://www.vernbellagency.com/news%20letters/february%202006%20-%20insurance%20benefits%20news.htm#article1.bg1" shape=rect color="#003366">What is Long Term Care Insurance?</A></P> <P><A style="FONT-WEIGHT: bold; COLOR: #003366" href="http://www.vernbellagency.com/news%20letters/february%202006%20-%20insurance%20benefits%20news.htm#article1.bg2" shape=rect color="#003366">Who needs Long Term Care Insurance?</A></P> <P><A style="FONT-WEIGHT: bold; COLOR: #003366" href="http://www.vernbellagency.com/news%20letters/february%202006%20-%20insurance%20benefits%20news.htm#article2.bg1" shape=rect color="#003366">Top Ten Life Insurance Blunders</A></P> <P><A style="FONT-WEIGHT: bold; COLOR: #003366" href="http://www.vernbellagency.com/news%20letters/february%202006%20-%20insurance%20benefits%20news.htm#article2.bg2" shape=rect color="#003366">New Contact Info</A></P><BR></FONT></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #003366" vAlign=top bgColor=#003366> <DIV>&nbsp;</DIV></TD></TR></TBODY></TABLE> <TABLE style="BACKGROUND-COLOR: #eeeedf" cellSpacing=0 cellPadding=0 width="100%" bgColor=#eeeedf border=0> <TBODY> <TR> <TD align=middle><A shape=rect name=column><FONT style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#000000 size=2><FONT style="FONT-SIZE: 14pt; COLOR: #003366; FONT-FAMILY: Verdana, Geneva, Arial, Helvetica, sans-serif" face="Verdana, Geneva, Arial, Helvetica, sans-serif" color=#003366 size=4> <DIV><BR>Health Savings Accounts.</DIV></FONT><A href="http://rs6.net/tn.jsp?t=6cs5vsbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency.com" shape=rect><IMG height=100 alt=Family src="february 2006 - Insurance Benefits News_files/7.jpg" width=128 vspace=10 border=0></A> <P>During 2004 legislation was passed which allowed for a special class of Health Savings Account, the HSA, which could be set up in conjunction with the purchase of a qualified High Deductible Health Plan (HDHP). The goal was to put consumers back in control of Medical expenses while providing insurance products that would cover high unexpected bills. The HSA + HDHP is a good way to go for individual and family plan purchasers, especially if you're overall health is relatively good.<BR><BR>Essentially, you purchase a plan with a high deductible and deposit the premium you save in a qualified savings account. The beauty of the HSA is that it's tax deferred when you put money in, and tax exempt if you use the money for qualified purposes. I repeat: <B>When you use the money you save for qualified medical purposes you never have to pay taxes on the money or on any earnings the money may have accumulated - this is huge!</B> HSA Bank has set up an excellent web site to explain the intricacies of HSA's and HDHP's in the simplest possible terms. Click on the link below to go this educational web site. </P><A style="FONT-WEIGHT: bold; COLOR: #003366" href="http://rs6.net/tn.jsp?t=6cs5vsbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.hsabank.com%2Fhsainfo%2F" shape=rect color="#003366">More HSA Information..</A> </FONT><BR><BR></TD></TR></TBODY></TABLE><BR></TD> <TD style="BACKGROUND-COLOR: #ffffff" vAlign=top align=left width=420 bgColor=#ffffff rowSpan=2> <TABLE cellSpacing=0 cellPadding=2 width="100%" border=0> <TBODY> <TR style="BACKGROUND-COLOR: #ffffff" bgColor=#ffffff> <TD style="PADDING-LEFT: 10px" vAlign=top></TD> <TD vAlign=top><FONT style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#000000 size=2><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana, Geneva, Arial, Helvetica, sans-serif" face="Verdana, Geneva, Arial, Helvetica, sans-serif" color=#000000 size=2></FONT> <P>Actuaries at the Centers for Medicare and Medicaid Services calculate that national health expenditures grew from 7.0 percent of GDP in 1970 to 15.3 percent in 2003. And, they forecast that medical expenditures will reach 18.7 percent of GDP by 2013. It's no longer possible for our government, or for individuals, to ignore these rising costs.<BR><BR>Insurance companies only want to insure healthy people. And, they are becoming increasingly selective in their definition of healthy. Rising premiums and frequent declines are just a reflection of the precipitous rise in healthcare costs.<BR><BR>My lead article this month, <I><B>Health Savings Accounts</B></I>, discusses new legislation designed to move the cost and control of medical expenses closer to the consumer. This legislation reflects our government's concern for rising healthcare costs, and presents an interesting financial alternative for many. </P><BR></FONT></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #003366" vAlign=bottom bgColor=#003366 colSpan=2 height=3></TD></TR> <TR> <TD vAlign=bottom colSpan=2 height=2></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #003366" vAlign=bottom bgColor=#003366 colSpan=2 height=2></TD></TR></TBODY></TABLE><A shape=rect name=article1.bg1> <TABLE style="BACKGROUND-COLOR: #ffffff" cellSpacing=0 cellPadding=4 width="100%" bgColor=#ffffff border=0> <TBODY> <TR> <TD vAlign=top colSpan=2><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #003366; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003366 size=2> <LI style="MARGIN-LEFT: 12pt; TEXT-INDENT: -12pt">What is Long Term Care Insurance?</FONT></LI></TD></TR> <TR> <TD style="PADDING-LEFT: 10px" vAlign=top></TD> <TD vAlign=top><FONT style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#000000 size=2> <DIV align=center><A href="http://rs6.net/tn.jsp?t=6cs5vsbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency.com" shape=rect><IMG height=156 alt="Long Term Care" hspace=5 src="february 2006 - Insurance Benefits News_files/8.gif" width=215 align=right vspace=5 border=0></A> </DIV> <P>We Americans are living longer than ever before. This fact brings with it financial challenges previous generations have never known. New insurance and financial products are coming to market every day to meet the needs of aging America. Long Term Care Insurance is a special class of insurance product that has been developed to provide for aging and disabled persons who cannot perform several basic activities of daily living. While Long Term Care Insurance is usually thought of as a product for seniors, anyone can find himself or herself in need of such protection at any time because of illness or injury. </P></FONT></TD></TR> <TR> <TD style="PADDING-LEFT: 10px" vAlign=top></TD> <TD style="PADDING-BOTTOM: 10px; TEXT-ALIGN: left"><FONT style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#000000 size=2></FONT></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #003366" vAlign=bottom bgColor=#003366 colSpan=2></TD></TR></TBODY></TABLE><A shape=rect name=article1.bg2> <TABLE style="BACKGROUND-COLOR: #dbe8f4" cellSpacing=0 cellPadding=4 width="100%" bgColor=#dbe8f4 border=0> <TBODY> <TR> <TD vAlign=top colSpan=2><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #003366; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003366 size=2> <LI style="MARGIN-LEFT: 12pt; TEXT-INDENT: -12pt">Who needs Long Term Care Insurance?</FONT></LI></TD></TR> <TR> <TD style="PADDING-LEFT: 10px" vAlign=top></TD> <TD vAlign=top><FONT style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#000000 size=2> <DIV align=center></DIV> <P>Long Term Care Insurance makes sense for those with a net worth of greater than $100,000 and less than $2,000,000. People with net worth less than $100,000 will soon exhaust their resources and qualify for Medicaid, those with greater than $2,000,000 net worth can afford to self-insure. With over 100 Long Term Care Insurance products on the market it's important to seek guidance from someone who has studied these products and is qualified to make recommendations.<BR><BR>I have developed a presentation designed to help you determine if you need Long Term Care Insurance; and, if so, how to go about identifying the right product. I can present this information to you in as little as 20 minutes right in your own office or home. Just email or call me at (214)227-8735 to schedule an appointment or phone consultation. </P></FONT></TD></TR> <TR> <TD style="PADDING-LEFT: 10px" vAlign=top></TD> <TD style="PADDING-BOTTOM: 10px; TEXT-ALIGN: left"><FONT style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#000000 size=2><A style="FONT-WEIGHT: bold; COLOR: #003366" href="http://rs6.net/tn.jsp?t=6cs5vsbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency.com%2FContact_Us.html" shape=rect color="#003366">Contact us..</A></FONT></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #003366" vAlign=bottom bgColor=#003366 colSpan=2></TD></TR></TBODY></TABLE><A shape=rect name=article2.bg1> <TABLE style="BACKGROUND-COLOR: #ffffff" cellSpacing=0 cellPadding=4 width="100%" bgColor=#ffffff border=0> <TBODY> <TR> <TD vAlign=top colSpan=2><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #003366; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003366 size=2> <LI style="MARGIN-LEFT: 12pt; TEXT-INDENT: -12pt">Top Ten Life Insurance Blunders</FONT></LI></TD></TR> <TR> <TD style="PADDING-LEFT: 10px" vAlign=top></TD> <TD vAlign=top><FONT style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#000000 size=2> <DIV align=center></DIV> <P>This article was also in my January news letter. It's being repeated by popular demand.<BR><BR>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 style="PADDING-LEFT: 10px" vAlign=top></TD> <TD style="PADDING-BOTTOM: 10px; TEXT-ALIGN: left"><FONT style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#000000 size=2><A style="FONT-WEIGHT: bold; COLOR: #003366" href="http://rs6.net/tn.jsp?t=6cs5vsbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency.com%2FTop_Ten_1.html" shape=rect color="#003366">Link to Top Ten Blunders..</A></FONT></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #003366" vAlign=bottom bgColor=#003366 colSpan=2></TD></TR></TBODY></TABLE><A shape=rect name=article2.bg2> <TABLE style="BACKGROUND-COLOR: #dbe8f4" cellSpacing=0 cellPadding=4 width="100%" bgColor=#dbe8f4 border=0> <TBODY> <TR> <TD vAlign=top colSpan=2><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #003366; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003366 size=2> <LI style="MARGIN-LEFT: 12pt; TEXT-INDENT: -12pt">New Contact Info</FONT></LI></TD></TR> <TR> <TD style="PADDING-LEFT: 10px" vAlign=top></TD> <TD vAlign=top><FONT style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#000000 size=2> <DIV align=center><A href="http://rs6.net/tn.jsp?t=6cs5vsbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency.com" shape=rect><IMG height=128 alt="Vern Bell" hspace=5 src="february 2006 - Insurance Benefits News_files/2.jpg" width=100 align=right vspace=5 border=0></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 style="PADDING-LEFT: 10px" vAlign=top></TD> <TD style="PADDING-BOTTOM: 10px; TEXT-ALIGN: left"><FONT style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#000000 size=2><A style="FONT-WEIGHT: bold; COLOR: #003366" href="http://rs6.net/tn.jsp?t=6cs5vsbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency.com%2FContact_Us.html" shape=rect color="#003366">Link to new contact info...</A></FONT></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #003366" vAlign=bottom bgColor=#003366 colSpan=2></TD></TR></TBODY></TABLE></A></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #eeeedf" vAlign=bottom align=middle bgColor=#eeeedf> <TABLE cellSpacing=0 cellPadding=0 width="100%"> <TBODY> <TR> <TD style="BACKGROUND-COLOR: #003366" bgColor=#003366><IMG height=1 src="february 2006 - Insurance Benefits News_files/spacer.gif" width=1 border=0></TD></TR> <TR> <TD style="PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 10px; LINE-HEIGHT: 15px; PADDING-TOP: 10px; TEXT-ALIGN: center"><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 8pt; COLOR: #003366; FONT-FAMILY: Verdana, Geneva, Arial, Helvetica, sans-serif" face="Verdana, Geneva, Arial, Helvetica, sans-serif" color=#003366 size=1> <DIV>:: <A style="COLOR: #003366" href="mailto:vern@vernbellagency.com" shape=rect color="#003366">vern@vernbellagency.com</A> </DIV> <DIV>:: <A style="COLOR: #003366" href="http://rs6.net/tn.jsp?t=6cs5vsbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency.com" shape=rect color="#003366">http://rs6.net/tn.jsp?t=6cs5vsbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency.com</A> </DIV></FONT></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #003366" bgColor=#003366><IMG height=1 src="february 2006 - Insurance Benefits News_files/spacer.gif" width=1 border=0></TD></TR> <TR> <TD style="PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 10px; LINE-HEIGHT: 15px; PADDING-TOP: 10px; TEXT-ALIGN: center"><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 8pt; COLOR: #003366; FONT-FAMILY: Verdana, Geneva, Arial, Helvetica, sans-serif" face="Verdana, Geneva, Arial, Helvetica, sans-serif" color=#003366 size=1> <DIV>:: 214.227.8735 </DIV></FONT></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #003366" bgColor=#003366><IMG height=1 src="february 2006 - Insurance Benefits News_files/spacer.gif" width=1 border=0></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE> <P></P> <DIV style="VISIBILITY: hidden"></DIV></DIV><BR> <TABLE width="100%" bgColor=#ffffff padding="0"> <TBODY> <TR align=middle> <TD> <TABLE width=595 bgColor=#ffffff> <TBODY> <TR> <TD colSpan=2><FONT face=verdana,arial size=1><B><A style="COLOR: #0000ff" href="http://ui.constantcontact.com/sa/fwtf.jsp?m=1101166970373&amp;ea=vern%40vernbellagency.com&amp;a=1101212371037&amp;id=preview" 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&amp;m=1101166970373&amp;ea=vern%40vernbellagency.com&amp;t=1101212371037&amp;lang=en&amp;reason=F&amp;id=preview.1101166970373" target=_blank><IMG src="february 2006 - Insurance Benefits News_files/safe_unsubscribe_logo.gif" border=0></A> <DIV>This email was sent to vern@vernbellagency.com, by <A style="COLOR: #0000ff" href="mailto:info@vernbellagency.com">info@vernbellagency.com</A></DIV> <DIV><A style="COLOR: #0000ff" href="http://ui.constantcontact.com/d.jsp?p=oo&amp;m=1101166970373&amp;ea=vern%40vernbellagency.com&amp;t=1101212371037&amp;lang=en&amp;reason=F&amp;id=preview.1101166970373" target=_blank>Update Profile/Email Address</A> | Instant removal with <A style="COLOR: #0000ff" href="http://ui.constantcontact.com/d.jsp?p=un&amp;m=1101166970373&amp;ea=vern%40vernbellagency.com&amp;t=1101212371037&amp;lang=en&amp;reason=F&amp;id=preview.1101166970373" target=_blank>SafeUnsubscribe</A>"! | <A style="COLOR: #0000ff" href="http://ui.constantcontact.com/roving/CCPrivacyPolicy.jsp?id=preview" 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 src="february 2006 - Insurance Benefits News_files/cc-logo-color-sm.gif" border=0></A></FOOTERLOGO></FONT> </TD></TR> <TR> <TD colSpan=2><FONT face=verdana,arial size=1><BR>Vern Bell Agency | 4000 Parkside Center Blvd. #3306 | Farmers Branch | TX | 75244</FONT> </TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE><BR></BODY></HTML>