VOLUNTARY EMPLOYEE BENEFITS

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#006699" TEXT="#080000" bgproperties="fixed" background="039285a1erlcgo.png"> <div> <FONT SIZE="5" COLOR="#FFCC66" FACE="Arial" ><B>LIFE, DISABILITY, MEDICAL, MEDIGAP, DENTAL, LTCI and ANNUITIES </B></FONT><B>     |     </B><A HREF="index.htm" TARGET="_top" TITLE="LIFE, DISABILITY, MEDICAL, MEDIGAP, DENT"><U><B>home</B></U></A></div> <div>                                                   </div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFCC66" TEXT="#080000" background="038d2c00dkelyh.png"> <div> W. Forrest Veal, CLU</div> <div> P. O. Box 700222</div> <div> Dallas, TX 75370</div> <div> 972 250 6516</div> <div> 1 888 845 8325</div> <div> Fax 1 775 542 0808</div> <div> E-mail - vealbs@juno.com</div> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I>VOLUNTARY EMPLOYEE BENEFITS</I></div> <div> Voluntary employee benefits are a popular way for an employer to provide, at no premium cost to their Company, many benefits at very competitive premiums, usually not available on an individual basis. Some of the voluntary benefits may be provided through a Cafeteria Plan, however, taxation of benefits versus pre-tax premium savings must be evaluated.</div> <bR> <div> Considerations in selecting a voluntary benefit to offer to employees are: Benefit Provisions, Benefit Amounts, Participation Requirements, Pricing and Portability. To review the products and services available from a couple of sources, click on these websites - <A HREF="http://www.worksite.ameritas.com/benefits.htm" TARGET="_top" TITLE="http://www.worksite.ameritas.com/benefit"><U><B>http://www.worksite.ameritas.com/benefits.htm</B></U></A><B> </B>and</div> <div> <A HREF="http://www.metlife.com/business" TARGET="_top" TITLE="http://www.metlife.com/business"><U><B>http://www.metlife.com/business</B></U></A><B>. </B>At these sites, you may go directly to the companies and they will assign you to an agent/broker. To use the services provided by Veal Benefit Services Inc. please see below.<B> </B></div> <bR> <div> Popular Voluntary Benefit Plans include:</div> <bR> <div> <IMG BORDER="0" SRC="Wing0a73007700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Supplemental Group Life and AD&D</div> <div> <IMG BORDER="0" SRC="Wing0a73007700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Travel Accident</div> <div> <IMG BORDER="0" SRC="Wing0a73007700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Disability</div> <div> <IMG BORDER="0" SRC="Wing0a73007700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Dental</div> <div> <IMG BORDER="0" SRC="Wing0a73007700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Long Term Care</div> <div> <IMG BORDER="0" SRC="Wing0a73007700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Critical Illness</div> <div> <IMG BORDER="0" SRC="Wing0a73007700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Vision</div> <div> <IMG BORDER="0" SRC="Wing0a73007700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">GAP Insurance (Helps employee with expenses not covered by a high deductible medical plan)</div> <bR> <div> <B>To request information about one or more of the voluntary plans and/or schedule a no-obligations meeting to review the merits of a plan for your company, click </B><A HREF="id29.htm" TARGET="_top" TITLE="VOLUNTARY BENEFITS REQUEST FORM"><U><B>"here"</B></U></A><B>.</B></div> <bR> <div> <B>To return to the Table of Subjects, click on "home" in the above blue border.</B></div> </td> </tr></table></body>