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endeavor group proudly has access to hundreds of top-rated
individual and family life insurance companies and plans.

But so do over one hundred thousand licensed insurance agents
across the country.

We are a little different, because we only recommend what makes
sense for our clients, which might not be the least expensive monthly
premium.

Here's a new type of life insurance policy that we feel makes sense for
many of our clients:

100% money back return of premium
term life insurance

If you have a mortgage, personal or business loan
that requires a life insurance policy, or if your
business requires "key man" life insurance
policies on key employees,
you should consider converting your policies to
100% return of premium life insurance
policy as a way to provide for you a tax-free sum
of money in future years.

100% $Money Back$
Term Insurance
Custom-Designed for Millions of Americans Who
“Don’t Like Paying for Life Insurance”

Outstanding Features:

--Like all other Term Insurance
…If you die,
your beneficiaries will receive
the Face Amount—“Tax-Free”

--Unlike other Term Insurance…
If you live to the end of the policy term…
ALL OF THE MONEY YOU HAVE PAID IN…
WILL BE RETURNED TO YOU IN A LUMP SUM…

--All Premiums Returned Are
“Tax-Free”
--Term: 15 Years - 20 Years – 30 Years
--Premiums Won’t Increase – “Guaranteed”
--Cost is Substantially Lower per Dollar than
Whole Life or Universal Life

Check out these outstanding illustrative
100% return of premium life insurance rates
from one of the many life insurance companies that
we represent,
idelity & Guaranty of Baltimore, a division of

For more details and your free life insurance
consultation, contact us at the numbers at left.

100% Money Back Term Monthly Premiums $150,000 Policy
	Age Last birthday	Male Preferred With Return of Premium	Male Standard With Return of Premium	Female Preferred With Return of Premium	Female Standard With Return of Premium
15 yr. Term, 15 Yr. Rate Guaranteed	34 39 44 49 54	$33.89 $43.07 $63.32 $96.66 $146.48	$38.07 $49.01 $73.85 $113.32 $174.29	$46.71 $61.70 $91.26 $132.84 $194.54	$65.61 $87.48 $129.60 $194.40 $276.08
20 yr. Term, 20 Yr. Rate Gteed	34 39 44 49 54	$28.62 $36.59 $51.98 $89.37 $149.04	$37.26 $47.79 $76.55 $122.85 $198.18	$24.84 $31.32 $44.01 $63.72 $96.93	$31.59 $38.61 $56.57 $82.49 $122.85
30 yr. Term, 30 Yr. Rate Gteed	34 39 44 49 54	$30.65 $42.39 $71.69 N/A N/A	$42.53 $59.13 $97.61 N/A N/A	$24.44 $30.65 $46.85 N/A N/A	$33.48 $47.25 $71.42 N/A N/A
Riders Available	Waiver of Premium * Disability Income * Children’s Insurance * Accelerated Death Benefit * Other Insured Rider * Disability Income Rider * Ultimate Income Rider Guaranteed Renewable to Income Rider * Ultimate Income Rider Guaranteed Renewable to Age 95 Age 95 Age 95 Age 95
Return of Premium Term Insurance through Fidelity & Guaranty of Baltimore, MD, A.M. Best Rated “A” Assets $5.5 Billion, and a part of Old Mutual Financial Network, a Forbes Global 500 Company with 203 Billion in Assets and 4 Million Life policyholders. Other Policy Great Rate Comparisons Available *Tobacco Rates Available. Rates as of 2/04 and include $60 annual policy fee.

At endeavor group, we are real people, and we have chosen
insurance as a profession that allows us to support our families and
give back to others and our communities. We are committed to serving
your needs.

Yes, we have access to the same companies and same online insurance
application and quote services that others do. But for life insurance, it
is just plain too confusing, so we insist that you contact us by phone,
fax, or email and we will be happy to help discuss your needs.

<Click Here>
and you will be directed to the
EZ-TermShopper© page

You will be asked to fill out a simple form with your contact
information.

This will help us contact you to give you a free, comprehensive life
insurance consultation and help you select the best plan for you from
hundreds of term life quotes from top rated companies.