Letter 3

John A. Client

100 Main St.

City, State, Zip                             ____________________

                                                   (Date)

Dear John,

When you think of life insurance, do you think of it as an investment or as an expense?

While most forms of insurance (Homeowners, Auto, Major Medical, Disability Income, etc.) are items of expense, life insurance is not!

Let's look at it another way.  If you were to transfer $25,000 from Bank A to Bank B, would you regard this as an expense?  Of course you wouldn't -- you're simply transferring capital.

The same thinking applies to modern cash value life insurance policies.

It is now possible to transfer money from:

taxable certificates of deposit,

taxable money market funds, and

tax-free municipal bond funds

to cash value life insurance and achieve a greater net yield (after taxes) on the dollars transferred -- with life insurance death benefits thrown in.

If you would like to learn more about this technique, please complete and return the enclosed postpaid reply card.

Sincerely,

Note to InsMark users:  If you intend for this letter to be a pre-approach mailer, replace the last paragraph with: "I'll call in a few days to arrange a mutually agreeable time to show you details of how this technique can work for you."