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October 1, 2001

To All American Select Ultimate Choice, Premier and Short Term Producers in: AZ, IN, IL, SC, TN, VA & WI:

EXCITING NEWS! Now, for the first time, the New American Select Ultimate Choice II Series & Health Logic Series are AVAILABLE FOR SALE in the listed states. Other states will follow shortly as well as our new short term plan. These two dynamic series will give you a wide range of both benefits and price. The American Select Ultimate Choice II series and American Select’s Health Logic series will both be underwritten by Empire Fire and Marine Insurance Company ("Empire"). Empire is rated "A+" (Superior) by A.M. Best, and is a member of the Zurich Financial Services Group.

Discover the many advantages of the American Select Ultimate Choice II series. This impressive series offers a selection of three plans with optional Rx Co-pay card benefits, giving individuals and their families flexible healthcare choices to meet their medical needs and budgets. The Health Logic series further expands these choices with a selection of 3 more PPO plans with different deductibles, coinsurance choices and built-in Rx Co-pay cards (some "generic drugs only" for additional savings). Take a moment now to look over the plan highlights and sales materials. The agent with both of these series in his portfolio has the ability to satisfy the benefit and budget needs of any of his clients (and for only 1 state appointment fee).

As always, all plans offer child(ren) only coverage. This, along with our unique approach to pre-existing conditions, whereby conditions disclosed on the application are not considered pre-existing if they are otherwise covered, makes both series among the most desirable in the marketplace.

These two series not only offer new improved Rx Copay Drug Card choices (either built-in or as options), but, also, new and more reasonable Rx Copay Drug Card underwriting. Our newly designed user-friendly application(s), coupled with revised underwriting criteria and procedures, along with excellent administrative and claim service, is a winning combination! Please check out our web site, www.amersel.com, for a complete listing of our PPO networks in all states.