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<DIV align="center"><FONT face="Arial, Helvetica, sans-serif" size="2"><U><A href="../index.htm">Home</A></U></FONT>
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<DIV align="center"><FONT face="Arial, Helvetica, sans-serif" size="2"><A href="../about_us/index.htm">About
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<FONT face="Arial, Helvetica, sans-serif" size="2"><U><A href="quotes/index.htm">Request
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<font face="Arial, Helvetica, sans-serif" size="2"><u><a href="guide/index.htm">Life
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<td height="4" width="425"><font size="2" face="Verdana, Arial, Helvetica, sans-serif"><b><font color="#000000"><img src="../images/2x2.gif" width="10" height="12"></font><font face="Arial, Helvetica, sans-serif" size="3" color="#CCCC00"><b><font color="#000000" size="2">Life
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<td><b><font face="Arial, Helvetica, sans-serif"><font size=-1><img src="../images/arrow.gif" width="18" height="18">
Term Life Insurance</font></font></b></td>
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<td height="51"><font face="Arial, Helvetica, sans-serif"><font size=-1>Term
insurance is generally purchased for a specific number of years. There
is no build up of cash value with term insurance so premiums are
less than for permanent insurance. Find out more in our <a href="guide/index.htm">Resource
Library</a> or get no-obligation <a href="quotes/index.htm">term
life quotes</a> now.</font></font></td>
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<td height="36" valign="bottom"><b><font face="Arial, Helvetica, sans-serif"><font size=-1><img src="../images/arrow.gif" width="18" height="18">
Permanent Life Insurance</font></font></b></td>
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<TD><FONT face="Arial, Helvetica, sans-serif"><FONT size=-1>Permanent
insurance is intended to stay in force your entire life. A portion
of the premium is allocated as an investment which accumulates like
a savings account. <a href="../forms/fsd_reply_form.htm">Contact us</a>
or visit our <a href="guide/index.htm">Resource Library</a> for more
information about permanent insurance. </FONT></FONT></TD>
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<FONT size="1" face="Verdana, Arial, Helvetica, sans-serif" color="#CCCCCC">1999
- 2003 Horenberg Insurance Services, Inc.</FONT> </td>
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