Term and Perm Life Insurance for Individuals

<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 - vbsinsurance@juno.com</div> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I>Term and Perm Life Insurance for Individuals</I></div> <bR> <div> At the site, shown below, you may obtain your personal quotes for term and permanent life plans. Term quotes are available online but you will need to request a permanent life quote because of the need for a detailed illustration. Be sure and list W. Forrest Veal as your agent, otherwise, you will be assigned another agent. You will find that most online term quotes, whether from this site or others, provide only the best preferred rates available for which some cannot qualify. You will get an idea of the plans available and the lowest cost for the amount requested but your final rate is only determined after you go through the underwriting process.</div> <bR> <div> After arriving at the site, click on "Quotes", then "Term" or "Permanent". Complete the information requested and click Calculate Quote or send. If you find a term plan that satisfies your need, you may then go back and click on Products and select Life Products. You will be provided a list of all the insurance companies available through Insurance Designers, one of the Master Agencies used by Forrest Veal. This list shows the term products available by company plus the company industry ratings. You can click on the company product you selected to find out detailed information about that plan plus the underwriting requirements to qualify for the premium quoted. If you selected a quote for an insurance company not on the Insurance Designers list, you may contact Forrest Veal to provide you information about that company.</div> <bR> <div> If the plan that you selected is from a company on the list, you may now go back and click on "Forms" to print you a copy of the application and forms that you will need before calling Forrest Veal. Having the forms at least partially completed will speed up the process. At the Forms site, you first choose the state where you live and then click on "The Company". The list of forms for each company is different, however, you will want to print a copy of the Life Insurance Application plus any other forms of interest.  </div> <bR> <div> If you prefer that Forrest Veal provide you with quotes and illustrations, you may click <A HREF="id34.htm" TARGET="_top" TITLE="REQUEST FOR QUOTE"><U>"Request for Quote Form" </U></A>to receive a quote direct from Veal Benefit Services Inc. or you may call Forrest Veal to help you in choosing the best plan and amount for your needs. Forrest is also available to answer your questions about important areas including policy ownership, beneficiary designations and plan provisions including the conversion privilege.</div> <bR> <div> Click on the following URL to go to Insurance Designers-  <A HREF="http://www.insdesign.com" TARGET="_top" TITLE="http://www.insdesign.com"><U>http://www.insdesign.com</U></A> - You may want to print a copy of this page to keep the instructions handy and make it easier to negotiate through their site.</div> <bR> <div> <B>To return to the Table of Subjects click on "home" in the above blue border.</B></div> <bR> <bR> </td> </tr></table></body>