Fee Reimbursement Program

InsMark's Fee Reimbursement Program:

The best way for any organization to build its associates is via recommendations from current participants. Consequently, InsMark wants you to help determine the makeup of our Power Producers Marketing Group. In order to encourage you to do so, for every new Power Producer (Platinum Level) who licenses as a result of your referral, we will reduce your monthly maintenance by $50 -- for as long as the referred Power Producer remains licensed. For every such Power Producer (Gold Level) you refer, we will reduce it by $30, and for Silver level, $15.

You must continue to be licensed as a Power Producer in order to receive this ongoing fee reduction, and your monthly maintenance fee cannot be reduced below $0.

We understand that you might be concerned about recruiting competition in your own backyard. If you are, refer us to a professional friend in another part of the U.S.

The best way for you to refer a prospective Power Producer to us and qualify for fee reduction is to encourage your referral to attend one of our Advanced Marketing Seminars held monthly at different cities throughout the U.S. Please contact your InsMark Account Executive 1-888-InsMark (467-6275) with your suggested referrals.

Fee Reimbursement Programs From Other Organizations:

Jonathan Hind Financial Group. has agreed, based on the production criteria listed on the following page, to refund all or a portion of licensing fees paid to InsMark by a Power Producer.

"Power Producers" is a registered trademark of InsMark, Inc.

Jeffrey M. Young, 4760 White Bear Parkway, Suite 100, White Bear Lake, MN 55110

Phone: 800-999-1848 or 651-429-3868;

Fax: 651-429-4440

Web Page: www.jhfg.com; e-mail: jeff@jhfg.com

Jonathan Hind Financial Group (JHFG) is an independent national marketing producer group. They work with over 100 of the most successful General Agents who want to do what they do best -- prospect and sell, allowing JHFG to be an addition to their back room. Call or e-mail them to receive a free copy of their "Path to Profitability".

So long as you are licensed for the InsMark product involved, InsMark has arranged for JHFG to provide marketing assistance in association with InsMark products. You can take advantage of this service without changing your current broker-dealer relationship and without running afoul of "selling away" prohibitions. By taking advantage of this service, you will be provided with turnkey presentation reports in hardcopy form. If you need assistance with complex InsMark illustrations or simply want to spend more of your time in the field, be sure to take a look into this unique offer. All of the services from JHFG are available to any InsMark licensee on the systems for which he/she is licensed.

Special Program for Power Producers: When earned first-year compensation through JHFG meets or exceeds $100,000 in your first 12 months under contract with them, JHFG has agreed to reimburse up to $2,500 of your Power Producers' fees paid in that year; at $200,000 the reimbursement can be as high as $5,000.

Second and subsequent years' maximum reimbursement is $1,000 for Power Producers and requires a minimum of $100,000 of first-year compensation earned through JHFG. JHFG will combine production from all its carriers and all lines of business (including life insurance, disability income, annuities and securities*) toward the reimbursement production requirement.

*Securities are offered through Woodbury Financial Services, Inc.

JHFG's Life Insurance Core Carriers and Key Products

Hartford
One life and survivorship UL/VUL, Term

Indianapolis Life
One life and survivorship UL, Eq. Ind. UL

Pacific Life
One life and survivorship UL/VUL, Eq. Ind. UL, Term

Principal
One life and survivorship UL/VUL, Term, DI, Annuities

ING
One life and survivorship UL and VUL

Mass Mutual
One life and survivorship UL/VUL, Whole Life, Term, DI, LTC

John Hancock
One life and survivorship UL/VUL, Term, LTC

Jefferson-Pilot
One life and survivorship UL/VUL, Term

Prudential
One life and survivorship UL/VUL, Term

Revised: [8/16/05]