From: "Jennie Saunders"

From: "Jennie Saunders" To: <Jeevacation@gmail.com> Subject: Fw: Wednesday Date: Tue, 27 Jul 2010 11:18:08 +0000 Help ? Can I get 5 min ... CORE: Jennie Saunders i Founder & Chairman i 66 East 55th Street New York NY 10022 i Main: www.coreaccess.net ----Original Message---From: Alan J. Kramer To: Jennie Saunders CC: Sent: on u : : Subject: Re: Wednesday Jennie and Dangene, I know you are relying on my expertise in regard to Long Term Care Insurance but I do have a couple of questions. I. Since you have assets are you willing to self insure part of your benelit 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. Are you OK with this? Pm trying to give you quality benefits but at the same time Fm 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. 1 will explain in detail what these plans cover as weil as details on health insurance as weil. EFTA00736672 See you on Wednesday at 5. Regards, Alan Alan J. Kramer CFP, CLTC, MBA, LUTCF Agent New York Life Insurance Company 6 Auer Court, Suite F East Brunswick, NJ 08816 120 Broadway, 37th Floor New York, NY 10271 you o not wis to receive emai communications from New York Life, please reply to this email, using the words "Opt out" in the subject line. Please copy email New York Life Insurance Co., 51 Madison Ave., New York, NY 10010 EFTA00736673