From: Jennie Saunders Sent: Tuesday, Januarylill il li To: Jeffrey Epstein Subject: FW: Life Insurance Can we discuss in the morning xooxoxox Jennie =aunders I Founder & Chairman I www.coreaccess.net <http://www.coreaccess.net> = From:=/b> =Ian J. Kramer imailto Sent: =onday, January 10, 2011 10:13 AM To: Jennie =aunders Subject: Life Insurance Hi Jennie, I just left you a voice mail =n your cell in reference to the emails I've sent to you and =angene regarding converting part of your life insurance into a =ermanant type which would be with you and Dangene for your whole =ife. You were very interested in this when we first met but =anted to address this at the end of last year since you had many =xpenses at that time. I bring it up now since your half birthday is a =ouple of days away and then you become a year older for life insurance =nd the premiums are higher than first discussed. We can still =ave your current age and premiums if we convert shortly after these =idpoints too. Please let me know your =houghts. Alan Alan J. Kramer =FP, CLTC, MBA, LUTCF Agent<=> New York Life =nsurance Company 6 Auer Court, =uite F EFTA_R1_00139170 EFTA01800040 East Brunswick, NJ =8816 =em> 120 Broadway, 37th =loor New York, NY =0271 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_00139171 EFTA01800041