: : : : SteRoss & Associates Inc. : : 6499 NE 7th Ave. Suite 5 : : Boca Raton, FL 33487 : : 561-577-9284 : : : : Date: 22 September 2004 : : : : Dear Insurance Agent, : : : : Are you tired of wasting trips with no sales commission, due to cost, pre-existing conditions, or ineligibility? Are you tired of working for a commission that seems to disappear with time? Would you like to close more companies by offering an affordable program that is portable? If so, then welcome to IAB : : IAB is your business partner and healthcare advocate, offering healthcare with value added services like maternity and a special hospitalization program that helps your clients healthcare dollar go further. No this is not your typical discount plan. Our plan includes seven fully insured benefits plus a $35 co-pay deposit to any physician. Our managed care specialists can cater a program for any companys needs, substantially lowering their benefits and healthcare cost, while giving them greater flexibility, allowing you to close more sales. : : The benefits included with this plan are incredible. Our company has contracted with major National PPO networks that have agreed to pass along the Managed Care contracted rates to our members. In addition benefits are provided for doctor ($35 Co-pay), hospital, prescriptions, dental, vision, hearing, chiropractic and much more. Plus, remember, 6 FULLY INSURED BENEFITS: : : 1. Accidental Expense Benefit: Provides $2000 per accident for each family member with no limit on the number of occurrences. This benefit has a very low $100 deductible. : : 2. Outpatient Physician Benefit: Provides a $25 reimbursement on all doctor visits to ANY Physician nationwide regardless of network. : : 3. Dental Benefit: Provides $1000 for each family member to ANY dentist nationwide regardless of network. This benefit has a very low $50 deductible per family member. (Deductible waived on two teeth cleanings per year per family member.) : : 4. $10,000 AD&D Benefit : : 5. $4000 Emergency Helicopter : : 6. Hospital Indemnity Benefit : : This product will enable you to earn commissions you cant make today; commissions on people with pre-existing conditions or people that cant afford high premiums. : : It compliments many existing insurance policies, allowing you to earn double commissions, while offering a great stand-alone alternative. All of this, and a non-depreciating commission schedule to top it all off! You can earn on sub-agents that you may recruit as well. : : What I would like to do is send you an Overview and have you listen to a pre-recorded call outlining all the details. After that if you have an interest, Id be happy to answer all your questions. : : How do you want me you send the information? E-mail or fax? And when will be the best time to get back to you? Thank you and I look forward to speaking with you. : : : : Sincerely, : : David Ross : : IAB Independent Representative : : Tel: (561) 577-9284 : I'm a captive agent. How would representing your company effect my contract?

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