From: Jennie Saunders < Sent: Friday, January 28, 2011 7:59 PM To: Jeffrey Epstein Subject: FW: Life Insurance Is there an easy answer or do u want to speak about this on =ed Jennie =aunders I Founder & Chairman I 66 East 55th Street New York NY =0022 Main: I Mobile: I www.coreaccess.net <http://www.coreaccess.net> From:=/b> =Ian J. Kramer imailto: ] Sent: =hursday, January 20, 2011 : To: Jennie =aunders Subject: Life Insurance Hi Jennie, Been having trouble with my =mail so I don't know if you received my reply =esterday. The question to ask is, =quot;Do we want/need life insurance for the rest of our lives or just =or a certain time period?" When we initially met, you were very =ro having coverage, at least some, that would cover you indefinitely to =ive you and Dangene added leverage. You should have in your portfolio =ome coverage that will stay with you forever. Let me know your thoughts or =f you would like to meet to further discuss, that would work =oo. Alan Alan J. Kramer =FP, CLTC, MBA, LUTCF Agent<=> New York Life =nsurance Company 6 Auer Court, =uite F EFTA_R1_00137862 EFTA01799288 East Brunswick, NJ =8816 (P) =F) (P) Outside =Y& NJ =em> 120 Broadway, 37th =Ioor New York, NY =0271 (P) (F) If you do not wish to =eceive email communications from New York Life, please reply to this =mail, using the words "Opt out" in the subject line. Please =opy email_optout@newyorklife.com New York Life Insurance Co., 51 =adison Ave., New York, NY 10010 2 EFTA_R1_00137863 EFTA01799289