Letter 12

John A. Client

100 Main St.

City, State, Zip                             ____________________

                                                   (Date)

Dear John,

Have you ever considered purchasing a tax deferred annuity?

Some people are claiming tax deferred annuities to be the hottest place to park quiet money.

As with most financial decisions, the best way to decide is to compare alternatives.

Recently, we acquired computer software that analyzes accumulation and distribution patterns using taxable, tax exempt, and tax deferred accounts.  It does an excellent job of determining which works best in a given set of circumstances.

I'll call in a few days to arrange a mutually agreeable time to show you details of the reports available from this software.

Sincerely,

Note to InsMark users:  This letter is best used as a pre-approach letter designed for specific telephone follow-up by you. We do not recommend you use it as a direct mail letter with a postcard response. If you must use it in this way, replace the last paragraph with: "If you would like to learn more about this software, please complete and return the enclosed postpaid reply card."

The Investment Calculators within InsCalc can do all the calculations mentioned.