REVERSE MORTGAGES

<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> Email - vbsinsurance@juno.com       </div> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I>REVERSE MORTGAGES</I></div> <bR> <bR> <div> Provides a way for senior citizens to use some of the equity in their home; especially, if they are faced with the dilemma of having too little money for retirement. For senior citizens with adequate retirement income for living, it could be the source of funds to provide for protection against the financial risk of long term care needs. A strategy to consider is the use of just enough of the available funds to insure the risk of long term care through Long Term Care Insurance. Following are several links that should provide you with information to help you determine if a reverse mortgage is right for you. </div> <bR> <div> <A HREF="http://www.texasreversemortgage.com" TARGET="_top" TITLE="http://www.texasreversemortgage.com"><U>http://www.texasreversemortgage.com</U></A>                             </div> <div> <A HREF="http://www.reversemortgage.org" TARGET="_top" TITLE="http://www.reversemortgage.org"><U>http://www.reversemortgage.org</U></A></div> <div> <A HREF="http://www.financialfreedom.com" TARGET="_top" TITLE="http://www.financialfreedom.com"><U>http://www.financialfreedom.com</U></A>                                        </div> <div> <A HREF="http://www.aarp.org/revmort/" TARGET="_top" TITLE="http://www.aarp.org/revmort/"><U>http://www.aarp.org/revmort/</U></A></div> <div> <A HREF="http://www.reverse.org/faqs.htm" TARGET="_top" TITLE="http://www.reverse.org/faqs.htm"><U>http://www.reverse.org/faqs.htm</U></A></div> <bR> <bR> <div> <B>To review information about long term care and LTC Insurance, click </B><A HREF="id15.htm" TARGET="_top" TITLE="LONG TERM CARE INSURANCE"><U><B>"here"</B></U></A><B>.</B></div> <bR> <div> <B>To return to the Tables of Subjects, click "home" in the above blue border. </B></div> <bR> </td> </tr></table></body>