From: "Jennie Saunders" To: "Jeffrey Epstein" <jeevacation@grnail.com> Subject: FW: Life Insurance Date: Tue, 11 Jan 2011 01:10:14 +0000 Can we discuss in the morning xooxoxox e Saunder Chairman 1 66 East 55th Street New York NY 10022 I Main: I Mobile: I www.coreaccess.net I From: Alan J. Kramer [mallto Sent: Monday, January 10, 2011 10:13 AM To: Jennie Saunders Subject: Life Insurance Hi Jennie, I just left you a voice mail on your cell in reference to the emails I've sent to you and Dangene regarding converting part of your life insurance into a permanant type which would be with you and Dangene for your whole life. You were very interested in this when we first met but wanted to address this at the end of last year since you had many expenses at that time. I bring it up now since your half birthday is a couple of days away and then you become a year older for life insurance and the premiums are higher than first discussed. We can still save your current age and premiums if we convert shortly after these midpoints too. Please let me know your thoughts. Alan Alan J. Kramer CFP, CLTC, MBA, LUTCF Agent New York Life Insurance Company 6 Auer Court, Suite F East Brunswick NJ 08816 (F) (P) Outside NY& NJ: 120 Broadway, 37th Floor New Yor NY 10271 (P) F If you o not }ins r to receive email communicationsfrom New York Life, please reply to this email, using the woids "Opt out" in the subject line. Please copy New York Life Insurance Co., 51 Madison Ave., New York, NY 10010 EFTA00696797