MetLife has made some changes to their VIP2 and Multi-Life products effective October 6, 2008. Please read the document at the link provided below for more details. http://www.seniormarketagent.com/docs/263_MetLife/024_LTC_Changes_VIP2_Product_Worksite.pdf Thanks for you continued support of Partners Advantage and be sure to call Angela Summers today for a quote and help with case design!

Effective immediately, for all EquiTrust Life annuities, the minimum initial premium amount (Qualified and Nonqualified) is $60,000. For sales now in process, we will accept business at the previous, lower minimums through Tuesday, October 7, 2008. Current pending applications under $60,000, including transfer applications, will be processed and issued as normal. On Wednesday, October 8th, all business received at EquiTrust Life must meet the new minimum premium requirements. Marketing materials are in the process of being reprinted and will be available October 15th. If you need new printed supplies, please wait until October 15th to place your supply order. Revised PDFs of materials will be available on the EquiTrust Agent Website no later than October 2nd. The newly revised materials will show a revision date of "9-08" on the backside, next to the form number. If you have any questions, please call EquiTrust Life Sales Support at 866-598-3694 or email Sales.Support@EquiTrust.com.

Partners Advantage New Brand Represents Merger of Several Companies Company Plans Star-Studded Event in Las Vegas Fargo, ND (Sept. 22, 2008) – After a year of significant growth, Partners Advantage Insurance Services, LLC, (a national insurance marketing organization) has unveiled a new brand for their company. The new look represents the merging of several new companies into the Partners Advantage family, including the agents of Independent Brokerage Network, a strong, Midwest-based marketing organization, and First Choice Financial, a comprehensive marketing organization based in California with a strong expertise in fixed annuities. Partners Advantage’s strong sales and fast growth has positioned them as a leading insurance marketing organization in the country. “Our new brand and tagline, ‘Experience the Advantage,’ focuses on the fact that Partners Advantage offers agents and agencies in the insurance industry exceptional resources and unique programs. Our combined resources provide producers with: an in-house underwriter; extensive expertise in the advanced case marketplace, annuities and LTC/DI; mortgage lead and final expense lead programs; an exclusive agency builder program; and much more,” said Brian D. Mann, Executive Vice President and Chief Marketing Officer at Partners Advantage. Partners Advantage will further announce and review additional resources it is making available to insurance producers at their headline event of the year – the Partners Advantage Vegas Extravaganza. More than 300 of the marketing organization’s top agents will qualify through exceptional production efforts to attend this event. It will take place Dec. 15-17 at the Planet Hollywood Resort and Casino in Las Vegas. Partners Advantage will provide agents with access to representatives from more than 30 of the nation’s leading insurance carriers, training sessions and special guest appearances by Major League Baseball Great Pete Rose and NFL Living Legend William “The Refrigerator” Perry.

Dear Financial Professional: Like you, we have been closely following the events in the U.S. financial markets this week. While it may be sometime before the industry knows the full extent of the fallout from these unprecedented events, I wanted to share with you the facts, as we know them today, concerning Prudential Financial’s exposure and assure you that our businesses and financial position remain strong. Strong Financial Position While Prudential Financial is not immune from the issues facing the financial markets, our businesses and financial position remain strong. Consider this: Prudential’s balance sheet is strong. In discussing the company’s second quarter 2008 earnings in July, Prudential Chairman and CEO John Strangfeld noted that a strong balance sheet and the diversified mix of domestic and international businesses position Prudential well for sustainable long-term performance consistent with the company’s goals. We have risk management procedures in place that are designed to limit the company’s exposure to any single company. Accordingly, our exposure to Lehman Brothers or AIG or any other individual company does not jeopardize our ability to meet policyholder and contract holder obligations in full. All four independent rating agencies continue to rate Prudential's senior debt as “A." The financial strength rating of the Prudential Insurance Company of America continues to be "AA" from S&P, Moody's and Fitch, and “A+” from AM Best. Prudential has a highly diversified portfolio. We invest in a broad range of institutions across many industries and countries. As of June 30, 2008, Prudential had total shareholders’ equity of $21.6 billion. As of June 30, 2008, the total assets under management were approximately $638 billion. Lehman Brothers, Inc. Prudential Financial does have some exposure to Lehman Brothers and its affiliates, primarily through debt securities, but it represents a very minor portion of General Account assets of our insurance subsidiaries. Specifically: As of September 16, 2008, the amortized cost of “available-for-sale” debt securities held was approximately $99 million for the Financial Services Businesses and $18 million for the Closed Block Business (participating products issued by Prudential prior to our demutualization in 2001). In addition, the Financial Services Businesses held $8 million in debt securities (at fair value) classified as “trading account assets supporting insurance liabilities.” This exposure compares to total investment portfolios of approximately $180 billion for the Financial Services Businesses and $64 billion for the Closed Block Business, as of the most recent balance sheet date, June 30, 2008. We also estimate that as of September 16, 2008, our Financial Services Businesses had approximately $90 million of additional unsecured counterparty exposure to affiliates of Lehman Brothers in connection with derivatives transactions. We are currently executing an orderly settlement of these transactions and have replaced the derivative positions. American International Group (AIG) The news on September 17, 2008, about the Federal Government’s loan to AIG should help reduce the potential for risk in our relationships with AIG. That said, I do want to describe our current exposure to the firm: As of September 16, 2008, the amortized cost of “available-for-sale” debt securities of AIG held was approximately $126 million for the Financial Services Businesses and $69 million for the Closed Block Business. In addition, the Financial Services Businesses held $9 million in debt securities (at fair value) classified as “trading account assets supporting insurance liabilities.” This exposure represents a very minor portion of the investment portfolios as of June 30, 2008. We have also sold credit protection in respect of AIG to third parties, with the net notional amount of such protection being approximately $55 million, as of September 16, 2008. For further information, I encourage you to read our financial filings, which are available on www.prudential.com under “Investor Relations.” I cannot stress enough that we manage our businesses and assets to ensure that we can fully meet all of our obligations to our clients now and in the future. We maintain appropriate reserves and risk control procedures to ensure your client’s assets are protected. Sincerely, Mark Hug VP and Chief Marketing Officer, Individual Life Insurance

Post Hurricane Ike Business Procedures for American National Although Hurricane Ike did damage to Galveston Island and Houston, American National remains ready to accept your business and provide the service you need. Please check our website at http://img.anicoweb.com, we will be posting new information as we receive it. New Life, Annuity, and Pension Applications Please mail all paper Life, Annuity, and Pension Applications (including checks) to our San Antonio Processing Center: American National Insurance Company 4500 Lockhill-Selma Rd San Antonio, TX 78249 Faxed Life Applications We would prefer that you mail paper Life applications to the San Antonio Processing Center during this time, but if there is an urgent need, you may fax your Life applications to 210-493-0964 Mail Prior to 9-16-08 Any mail you have sent prior to 9-16-08 will be re-routed to the San Antonio Processing Center. Mail Effective 9-16-08 Please send all mail, including checks, to the San Antonio Processing Center: American National Insurance Company 4500 Lockhill-Selma Rd San Antonio, TX 78249 Customer contact center Annuity Contracts 800-252-9546 Life Contracts 800-899-6806 Field Support Center (Effective 9-17-08) 1-888-501-4043, OPTION 1 Please note that our number of lines may be limited at this time, and we apologize for any delays you may initially experience. American National was prepared to handle this emergency situation. Business continues to be processed as usual at our South Shore Harbor and San Antonio locations. In addtion, our other American National locations in Springfield, IL and Glenmont, NY continue to provide service to our customers. We thank you for your emails and calls of support. American National remains physically and financially strong and ready to continue to provide the sales and service support to you and your customers, as we have done during our 103 years of service.

Protective Life Corporation, which is the parent company for Protective Life Insurance and West Coast Life Insurance has released the following information about it's financial strength in the wake of the current economic crisis: As you are aware, there is tremendous turbulence and volatility in the capital and credit markets. The problems that originated with sub-prime loans in the housing market have now given rise to more than $500 billion of charges and write-downs. the news this week regarding Lehman Brothers and AIG is roiling the financial markets and may impact the whole U.S. economy. While the current market conditions are challenging for all companies in the financial services industry, please keep in mind that at Protective: - We have $2.6 billion of shareholders equity. Our book value per share is $36.76. Our total direct credit exposure to AIG and Lehman Brothers is less than $2.00 per share, assuming no recovery on our investments. - As of June 30, 2008, 94.7% of our investment portfolio was investment grade, with an average rating in the "A" category. - Our commercial mortgage loan portfolio is currently performing very well with delinquencies at historically low levels. - As of June 30, 2008, our sub-prime mortgage exposure was $73 million, representing 0.2% of our invested assets. We have never originated sub-prime or residential mortgages. - Our asset/liability disciplines are designed to provide liquidity adequate to meet our projected obligations, without reliance on external sources of financing. - We have virtually no short-term debt outstanding. - Protective Life Insurance Company and West Coast Life Insurance Company are well-capitalized and have the following ratings: - A+ from AM Best - AA from Standard and Poors - AA- from Fitch - Aa3 from Moody's Investor Services Please know that we appreciate our good relationships with our distributors, and we believe we are well positioned to play through these challenging times and to continue to serve you as a value-added business partner.

Join us on Wednesday, October 15th at 1 pm ET for a multi-media fund raising event benefiting breast cancer research. It’s called the 2008 Dial In Difference (DID!). Just by dialing in, you will make a difference to those who have been or will be diagnosed with breast cancer. Prudential is pleased to sponsor their DID teleconference for the 4th year in a row. For every producer, General Agency Principal, or General Agency Associate who dials into this teleconference, Prudential will donate $15 to the Susan G. Komen Breast Cancer Research Fund. This year's DID teleconference features: Dr. Joanne Mambretti, Vice President and Medical Director - Dr. Joanne will provide information about prevention, early detection and how various stages of breast cancer impact the life insurance underwriting process. Phil Chuba, Vice President, Life Underwriting - Phil Chuba will provide a competitive underwriting update on what Prudential sees that other carriers may not. Please dial in to help us make a difference! You will be glad you DID! MARK YOUR CALENDARS TODAY FOR THIS UNIQUE FUND-RAISING EVENT! DATE October 15, 2008 TIME 1:00 – 2:00 pm EST DIAL-IN (800) 230-1096 URL http://emeeting.prudential.com MEETING NAME Breast Cancer Awareness DID teleconference PASSWORD pru (lower case) RSVP psbreply@prudential.com by Oct. 8th Each participant will receive a small memento for their participation.

At the end of 2008, the ING Life Companies will join the rest of the life insurance industry in transitioning to use of the 2001 CSO mortality tables. This change is mandated by state insurance and federal income tax laws. It's also an opportunity for the ING Life Companies to streamline our portfolio with new, even more competitive products. However, in many cases 1980, rather than 2001, CSO products may, in certain circumstances, give consumers more potential to maximize their cash value accumulation. With that in mind, the ING Life Companies are giving producers as much notice as possible to meet the legal requirements to obtain 1980 CSO products. Please read on for details to ensure that your 1980 CSO product sales are properly processed in 2008. Transition Rules for Issuing New 1980 CSO Policies In order to issue a new 1980 CSO policy: 1. A signed formal application must be received in good order by the ING Life Companies before the close of business on November 14, 2008; 2. All New Business requirements needed to put a policy in force, including initial premium, must be received by the ING Life Companies on or before December 19, 2008; 3. The policy must have a policy date (the date from which policy anniversaries are measured and from which cost of insurance charges are assessed) of December 28, 2008 or earlier; Changes to Existing 1980 CSO policies in 2009 and Beyond After December 31, 2008, there may be limitations on what changes, modifications or exercises of policy provisions can be made to an existing 1980 CSO policy to avoid a loss of grandfathering under IRS Notice 2006-95 and make the policy subject to tax testing under the 2001 CSO mortality tables. Additional guidance on this issue will be forthcoming. Keep an eye out for an update to ING Presents illustration software in early September. An agent message will be sent as notification on the 1980 CSO products being discontinued. Please see the chart below for a listing of the available and discontinued products on January 1, 2009. All States Except NY 1980 CSO Products Being Discontinued 2001 CSO Products Available Now and in 2009 Universal Life Term Life ING Asset Leverage (#1163-6/02)3 ING Return of Premium Term (#R1347)1 ING Capital Accumulator UL (#131906)1 ING TermSmart (#1177R)1 ING Capital Plus UL (#86-996)1 Universal Life ING Explorer Survivorship UL (#1167)3 ING Guaranteed Death Benefit UL II (#1174)3 ING Explorer UL (#1161-9/96)3 ING Protector UL (#87-100)1 ING Executive UL (#1164-3/03)3 ING Strategic Accumulator Survivorship UL (#1173)3 ING Guaranteed Premium Survivorship UL (#1176R)1 ING Survivorship Universal Life - Guaranteed Death Benefit (#1175) 3 ING Indexed Strategic Accumulator UL (#1171)3 Variable Universal Life ING Strategic Accumulator UL (#1169-11/05)3 ING Corporate VUL (#2516) 3 Variable Universal Life ING VUL - CV (#2517 (VUL)-3/08) 3 Asset Portfolio Manager (#2511) ING Variable Universal Life-ECV (#2518(VUL)-06/08) 3 Estate Designer (#2506) 3 ING Universal Life-ECV (1176-08/08) 3 ING Corporate Advantage VUL3 ING Investor Elite (#126440)1 ING LifeDesign Asset Accumulator VUL (#2514 (VUL)-9/04) 3 … plus additional 2001 CSO products scheduled for the remainder of 2008 ING Protector Elite (#86-080)1 Select*Life II (#84-662)1 Strategic Investor (#2513 (VUL)) 3 Variable Accumulation Design (#85-911)1 Variable Survivorship UL (#2504) 3 New York Only 1980 CSO Products Being Discontinued 2001 CSO Products Available Now and in 2009 Universal Life Term Life ING Capital Accumulator UL NY (#132149)2 ING Return of Premium Term NY (#1309NY)2 ING Guaranteed Premium Survivorship UL NY (#1176R NY)2 ING TermSmart NY (#1177R NY)2 Variable Universal Life Universal Life ING Investor Elite NY (#86-756 (VUL)-10/04) 2 ING Guaranteed Death Benefit UL NY (#1179R-NY)2 Variable Estate Design NY (#85-438) 2 ING Protector UL NY (#87-134)2