Letter 4

John A. Client

100 Main St.

City, State, Zip ____________________

(Date)

Dear John,

In the past you've told me that you feel term insurance is the most economical way for you to fund your life insurance program.

And you may be right!

Our office has recently purchased a computer program which enables us to:

1.	Compare the cost of term insurance to investment-grade life insurance.

2.	Account for the difference in premiums by assuming its investment in the financial instrument of your choice.

This program is so convincing (and, without computers, it would be impossible to produce) that I'll buy you lunch if you don't agree you should be doing something different.

I will need to pick up your term policies and group life certificates in order to prepare an "apples to apples" analysis.

If you would like to learn more about this analysis, 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 analysis can work for you."