Kouzmanoff Financial & Insurance Services, Inc. Message

Date: December 3rd 2008


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<div align="center" id="cc-title"> <h2><img src="http://kouzmanoff.com/images/kouzfinancial_header.gif"; alt="Your Disability Partner" width="510" height="30" /></h2>
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<!-- /end #cc-date --> <div id="cc-main"> <div id="cc-highlights"> <div class="blurb"> <h3 class="priority"> <strong>Great News! </strong></h3>

<p> For government employees, The Standard's maximum individual disability
income insurance (IDI)<strong> benefit amount has been increased. </strong><br />
<a href="http://kouzfinancial.com/contact.php">Contact Us Now</a></p>
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<div class="blurb"> <h3>(800) 653-8003 </h3> <br />
<p> <img src="http://kouzmanoff.com/images/bishop_news.jpg"; alt="" width="43" height="63" />
<a href="http://kouzfinancial.com/contact.php">Terry Bishop,</a> Disability Sales Manager, has more than 30 years experience is dealing with a multitude of carriers and products specifically designed to meet your client’s needs.</p>
You can call him right now! <strong>800-653-8003</strong></div> <!-- /end .blurb -->

<br />
<div class="blurb"> <h3>How to Apply </h3>

<p> <img src="http://kouzmanoff.com/images/kouz_apply.jpg"; alt="" width="43" height="63" />
<a href="http://kouzfinancial.com/request.php">; DI Proposal Request Form</a> Call us, or fill out our online form. Let us be your preferreddisability partner, we will tailored our packages to maximize your clients needs with the best possible disability coverage available, professionally tailored from our professionals.</p>
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<div id="cc-featured"> <div class="wrap"> We are pleased to announce
increases to the maximum benefit amounts for
government employees, including government physicians.
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<ul>
<li><strong>$5,000 maximum </strong>benefit amount for occupation classes 3A, 3P, 4A, 4P and 5A </li>

<li><strong>$2,000 maximum </strong>benefit amount for occupation classes 2A, A and B</li>
</ul>
<table cellpadding="0" cellspacing="0">
<tr>
<td width="92" bgcolor="#c9c6a3"><p align="center">Occ Class </p></td>
<td width="165" bgcolor="#c9c6a3"><p align="center">Previous Maximum <br />
Benefit </p></td>

<td width="122" bgcolor="#c9c6a3"><p align="center"><strong>New Maximum</strong> Amount </p></td>
</tr>
<tr >
<td align="center">5A </td>
<td align="center">$2,000 </td>
<td align="center">$5,000 </td>

</tr>
<tr bgcolor="#aac4cb">
<td align="center">4A, 4P </td>
<td align="center">$2,000 </td>
<td align="center">$5,000 </td>
</tr>
<tr >

<td align="center">3A, 3P </td>
<td align="center">$1,500 </td>
<td align="center">$5,000 </td>
</tr>
<tr bgcolor="#aac4cb">
<td align="center">2A </td>
<td align="center">$1,000 </td>

<td align="center">$2,000 </td>
</tr>
<tr >
<td align="center">A </td>
<td align="center">$500 </td>
<td align="center">$2,000 </td>
</tr>

<tr bgcolor="#aac4cb">
<td align="center">B </td>
<td align="center">$500 </td>
<td align="center">$2,000 </td>
</tr>
</table>
<p> </p> </div>

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style="font-size: 9.5pt; font-family:Verdana, Arial, Helvetica, sans-serif"><a href="http://www.kouzfinancial.com">Kouzmanoff Financial & Insurance Services, Inc.</a> <br />

3878 W. Carson St., Suite 200 | Torrance, Ca. 90503<br />
Phone: 310-792-7355 | 800-653-8003<br />
Fax: 310-792-7360 <br />
E-Mail: <a href="mailto:tbishop@kouzfinancial.com";> tbishop@kouzfinancial.com<;/a></span><font
face="sans-serif"><o:p> </o:p></font> </span>
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For more than 20 years, Kouzmanoff Financial & Insurance Services, Inc. has been assisting financial professionals in providing disability, health, and long term care insurance products for their clients needs.

Representing a wide range of carriers, Kouzmanoff Financial can assist you, the insurance professional, in selecting and quoting the most appropriate product at the most competitive pricing.

We welcome you to this news list site to learn more about our products, and carriers, and how to secure a proposal and quotation for your client(s).

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