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1 Mr. John Kirwin 132 Rugby Avenue Braintree, MA Current Plan: Vision 01 Dear Mr. John Kirwin: Thank you for renewing your vision coverage with Live Insurance. Several of the Vision 01 coverage amounts have changed since your renewal date of 1/15/2005. Please review the updated coverage amounts listed below. If you would like to discuss your policy with a Live representative or have any Vision Care Director, Live Insurance General eye exam Prescription glasses Prescription contact lenses Laser correction Glaucoma screening Emergency optical surgery Vision 01 Full exam every 6 months $125 per year $125 per year 40% coverage JOHN KIRWIN Current Plan: Vision 01 Renewal Date: 1/15/2005 Live Vision Care Bill Trout, OD 67 Almaden Way Braintree, MA For inquiries regarding your Vision 01 policy call:

2 Miss Amanda Dyer 889 Highland Drive Aptos, CA Current Plan: Dental 56 Dear Miss Amanda Dyer: Thank you for renewing your dental coverage with Live Insurance. Several of the Dental 56 coverage amounts have changed since your renewal date of 3/12/2005. Please review the updated coverage amounts listed below. If you would like to discuss your policy with a Live representative or have any Dental Care Director, Live Insurance Cleaning with hygenist Examination with dentist Full x-rays Cosmetic chip repair Cosmetic whitening Oral surgery (wisdom tooth removal) Dental 56 Full coverage every 6 months Full coverage once per year Full coverage once per year 40% coverage 20% coverage Full coverage with $10 co-pay AMANDA DYER Current Plan: Dental 56 Renewal Date: 3/12/2005 Live Dental Care Julia Hitchens, DDS 544 First Street Aptos, CA For inquiries regarding your Dental 56 policy call:

3 Mrs. Anita Winterfeldt 9223 Lorenzo Way Seattle, WA Current Plan: Health 44 Dear Mrs. Anita Winterfeldt: Thank you for renewing your health coverage with Live Insurance. Several of the Health 44 coverage amounts have changed since your renewal date of 12/23/2004. Please review the updated coverage amounts listed below. If you would like to discuss your policy with a Live representative or have any Health Care Director, Live Insurance Visit to physician Consultaion with specialist Allergy tests Prescription drugs Ground ambulance Air ambulance Health 44 Full coverage with $10 co-pay Full coverage with $15 co-pay and referral $20 per test Full coverage with $5 co-pay Full coverage with $50 co-pay Full coverage with $50 co-pay ANITA WINTERFELDT Current Plan: Health 44 Renewal Date: 12/23/2004 Live Health Care Marilyn Spence, MD 502 G Street Seattle, WA For inquiries regarding your Health 44 policy call:

4 Mr. Ron Davis 775 Hihn Road Portland, ME Current Plan: Vision 02 Dear Mr. Ron Davis: Thank you for renewing your vision coverage with Live Insurance. Several of the Vision 02 coverage amounts have changed since your renewal date of 4/25/2004. Please review the updated coverage amounts listed below. If you would like to discuss your policy with a Live representative or have any Vision Care Director, Live Insurance General eye exam Prescription glasses Prescription contact lenses Laser correction Glaucoma screening Emergency optical surgery Vision 02 Full exam every 6 months $140 per year $140 per year 60% coverage RON DAVIS Current Plan: Vision 02 Renewal Date: 4/25/2004 Live Vision Care Hector Bo, OD 12 Wisteria Way Portland, ME For inquiries regarding your Vision 02 policy call:

5 Miss Joanna Holtz 6249 El Soyo Drive Felton, CA Current Plan: Dental 55 Dear Miss Joanna Holtz: Thank you for renewing your dental coverage with Live Insurance. Several of the Dental 55 coverage amounts have changed since your renewal date of 2/25/2005. Please review the updated coverage amounts listed below. If you would like to discuss your policy with a Live representative or have any Dental Care Director, Live Insurance Cleaning with hygenist Examination with dentist Full x-rays Cosmetic chip repair Cosmetic whitening Oral surgery (wisdom tooth removal) Dental 55 Full coverage every 6 months 90% coverage once per year 90% coverage once per year 30% coverage 15% coverage Full coverage with $15 co-pay JOANNA HOLTZ Current Plan: Dental 55 Renewal Date: 2/25/2005 Live Dental Care Candace Amaril, DDS 9081 Bass Lane Felton, CA For inquiries regarding your Dental 55 policy call:

6 Miss Alyssa Taylor 301 F Street Charlotte, VA Current Plan: Health 48 Dear Miss Alyssa Taylor: Thank you for renewing your health coverage with Live Insurance. Several of the Health 48 coverage amounts have changed since your renewal date of 1/15/2005. Please review the updated coverage amounts listed below. If you would like to discuss your policy with a Live representative or have any Health Care Director, Live Insurance Visit to physician Consultaion with specialist Allergy tests Prescription drugs Ground ambulance Air ambulance Health 48 Full coverage with $15 co-pay 80% coverage with $15 co-pay and referral $15 per test Full coverage with $10 co-pay Full coverage with $50 co-pay Full coverage with $75 co-pay ALYSSA TAYLOR Current Plan: Health 48 Renewal Date: 1/15/2005 Live Health Care May Lopez, MD 34 River Road Charlotte, VA For inquiries regarding your Health 48 policy call:

7 Mr. Jeff Fowler 882 Highway 9 Grants Pass, OR Current Plan: Vision 03 Dear Mr. Jeff Fowler: Thank you for renewing your vision coverage with Live Insurance. Several of the Vision 03 coverage amounts have changed since your renewal date of 3/12/2005. Please review the updated coverage amounts listed below. If you would like to discuss your policy with a Live representative or have any Vision Care Director, Live Insurance General eye exam Prescription glasses Prescription contact lenses Laser correction Glaucoma screening Emergency optical surgery Vision 03 Full exam every 6 months $150 per year $150 per year 60% coverage JEFF FOWLER Current Plan: Vision 03 Renewal Date: 3/12/2005 Live Vision Care Orion Letren, OD 690 Greenbelt Lane Grants Pass, OR For inquiries regarding your Vision 03 policy call:

8 Mrs. Kathleen Mooney 657 Falling Rock Way Fernley, NV Current Plan: Dental 52 Dear Mrs. Kathleen Mooney: Thank you for renewing your dental coverage with Live Insurance. Several of the Dental 52 coverage amounts have changed since your renewal date of 12/23/2004. Please review the updated coverage amounts listed below. If you would like to discuss your policy with a Live representative or have any Dental Care Director, Live Insurance Cleaning with hygenist Examination with dentist Full x-rays Cosmetic chip repair Cosmetic whitening Oral surgery (wisdom tooth removal) Dental 52 Full coverage every 6 months 80% coverage once per year 80% coverage once per year 20% coverage 5% coverage Full coverage with $25 co-pay KATHLEEN MOONEY Current Plan: Dental 52 Renewal Date: 12/23/2004 Live Dental Care Jen Woods, DDS 2 Fairbrook Road Fernley, NV For inquiries regarding your Dental 52 policy call:

9 Miss Jennifer Coakley 7374 Gold Gulch Road Lancaster, CA Current Plan: Health 46 Dear Miss Jennifer Coakley: Thank you for renewing your health coverage with Live Insurance. Several of the Health 46 coverage amounts have changed since your renewal date of 4/25/2004. Please review the updated coverage amounts listed below. If you would like to discuss your policy with a Live representative or have any Health Care Director, Live Insurance Visit to physician Consultaion with specialist Allergy tests Prescription drugs Ground ambulance Air ambulance Health 46 90% coverage with $10 co-pay 75% coverage with $15 co-pay and referral $15 per test 95% coverage for generic prescriptions Full coverage with $75 co-pay Full coverage with $75 co-pay JENNIFER COAKLEY Current Plan: Health 46 Renewal Date: 4/25/2004 Live Health Care Claire Jasper, MD 1776 F Street Lancaster, CA For inquiries regarding your Health 46 policy call:

10 Mr. George Fulton 8823 St. Peter Drive New Orleans, LA Current Plan: Vision 03 Dear Mr. George Fulton: Thank you for renewing your vision coverage with Live Insurance. Several of the Vision 03 coverage amounts have changed since your renewal date of 2/25/2005. Please review the updated coverage amounts listed below. If you would like to discuss your policy with a Live representative or have any Vision Care Director, Live Insurance General eye exam Prescription glasses Prescription contact lenses Laser correction Glaucoma screening Emergency optical surgery Vision 03 Full exam every 6 months $150 per year $150 per year 60% coverage GEORGE FULTON Current Plan: Vision 03 Renewal Date: 2/25/2005 Live Vision Care Frank Xan, OD 307 N Street New Orleans, LA For inquiries regarding your Vision 03 policy call:

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