To: [email protected] From: Jennie Saunders Sent Tue 7/27/2010 11:18:08 AM Subject: Fw: Wednesday Title: Fw: Wednesday Help ? Can I get 5 min ... CORE: Jennie Saunders Founder & Chairman I 66 East 55th Street New York NY 10022 I Main: Mobile: www.cortaccess.net I —Original Message---- From: Alan J. Kramer To: Jennie Saunders CC: Sent: Mon Jul 26 16:57:48 2010 Subject: Re: Wednesday Jennie and Dangcnc. I know you are relying on my expertise in regard to Long Tenn Care Insurance but I do have a couple of questions. I. Since you have assets arc you willing to self insure part of your benefit to keep the cost down or do you want total coverage? 2. Most plans require that you submit bills for home health care to receive reimbursment. Arc you OK with this? I'm trying to give you quality benefits but at the same time I'm sensative to premiums too. 3. A silly but helpful exercise. Please list in order of importance. A. Price B. Benefits C. Ratings of Insurance carrier I realize that all three are important but I have a couple of carriers in mind and the answer would be very helpful to all of us. I will explain in detail what these plans cover as well as details on health insurance as well. EFTA_R1_01488859 EFTA02408781

See you on Wednesday at 5. Regards, Alan Alan J. Kramer CFP, CLTC, MBA, LUTCF Agent New York Lifc Insurance Company 6 Auer Court, Suite F East Brunswick, NJ 08816 120 Broadway, 37th Floor New York, NY 10271 If you do not wish to receive email communications from New York Life, please reply to this email, using the words "Opt out" in the subject line. Please copy [email protected] New York Life Insurance Co.. 51 Madison Ave., Ncw York, NY 10010 EFTA_R1_01468660 EFTA02408782