ÿþ<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"> <!-- saved from url=(0097)http://www.vernbellagency.com/news%20letters/january%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>Fri, 20 Jan 2006 13:01:00 -0600</FONT></TD></TR> <TR> <TD vAlign=top noWrap align=left><B><FONT face=Arial size=2>Linked 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>VERNON BELL <A href="mailto:info@vernbellagency.com"><FONT color=#0000ff>&lt;info@vernbellagency.com&gt;</FONT></A> (Vern Bell)</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@vernbellagency.com"><FONT color=#0000ff>&lt;vern@vernbellagency.com&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=1101190190294&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="january 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>Enterprise Class Benefits for Small Business...</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>January 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/january%202006%20-%20insurance%20benefits%20news.htm#column" shape=rect color="#003366">Enterprise Class Benefits..</A></P> <P><A style="FONT-WEIGHT: bold; COLOR: #003366" href="http://www.vernbellagency.com/news%20letters/january%202006%20-%20insurance%20benefits%20news.htm#article1.bg1" shape=rect color="#003366">High Fives</A></P> <P><A style="FONT-WEIGHT: bold; COLOR: #003366" href="http://www.vernbellagency.com/news%20letters/january%202006%20-%20insurance%20benefits%20news.htm#article1.bg2" shape=rect color="#003366">Chartered Benefits Consultant</A></P> <P><A style="FONT-WEIGHT: bold; COLOR: #003366" href="http://www.vernbellagency.com/news%20letters/january%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/january%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>Enterprise Class Benefits..</DIV></FONT><A href="http://rs6.net/tn.jsp?t=wgvzasbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency.com" shape=rect><IMG height=128 alt="Vern Bell" src="january 2006 - Insurance Benefits News_files/2.jpg" width=100 vspace=10 border=0></A> <P>If you go to my web site you'll find the introduction: "Enterprise Class Benefits for Small Business." That sums up what I do for my clients. I empower them to provide the kind of quality employee benefits that most of us associate with big companies. With today's high health insurance costs, providing enterprise class benefits can be a big challenge. As an Independent Agent and a Chartered Benefits Consultant I'm equipped and trained to help you do just that. Call or email if you'd like to learn more. </P><A style="FONT-WEIGHT: bold; COLOR: #003366" href="http://rs6.net/tn.jsp?t=wgvzasbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency.com" shape=rect color="#003366">Find out more....</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>January is a month of change and new beginnings. And, so it is for my agency as well. A new location, a new phone number, and a new business focus. While I will continue serving individual clients during 2006, I will also serve the employee benefits needs of small business clients. See the "Charted Benefits Consultant" article in this newsletter for more information on my Benefits Consulting practice. And be sure to update your address and phone book. My new contact information is on my web site. </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">High Fives</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=wgvzasbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency.com" shape=rect><IMG height=132 alt="High 5" hspace=5 src="january 2006 - Insurance Benefits News_files/5.jpg" width=189 align=right vspace=5 border=0></A> </DIV> <P>The recent completion of the LBJ\Central Expressway interchange was cause for high fives all round by everyone who lives and works in the North Dallas area. It means a quicker and safer commute for many of our fellow Dallas area residents. As a 20 plus year resident of the Dallas area, I understand the business environment. And, I work hard to help my clients find the right product for them. As an Independent Agent I work for you - not some big insurance company. </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=wgvzasbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency.com%2FQualifications.html" shape=rect color="#003366">My background</A></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">Chartered Benefits Consultant</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=wgvzasbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency.com" shape=rect><IMG height=97 alt=NAABC hspace=5 src="january 2006 - Insurance Benefits News_files/3.gif" width=126 align=right vspace=5 border=0></A> </DIV> <P>The designation "CBC" stands for Chartered Benefits Consultant, and is issued by the National Association of Alternative Benefits Consultants. The designation "CBC" behind the member's name represents the highest level of education currently attainable in this market place. </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=wgvzasbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.naabc.com" shape=rect color="#003366">NAABC Web Site</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>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=wgvzasbab.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></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=wgvzasbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency%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="january 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=wgvzasbab.0.0.fqbvkrbab.0&amp;p=http%3A%2F%2Fwww.vernbellagency.com" shape=rect color="#003366">http://rs6.net/tn.jsp?t=wgvzasbab.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="january 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></FONT></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #003366" bgColor=#003366><IMG height=1 src="january 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=1101190190294&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=1101190190294&amp;lang=en&amp;reason=F&amp;id=preview.1101166970373" target=_blank><IMG src="january 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=1101190190294&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=1101190190294&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="january 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>