"Ability is what you're capable of doing.
Motivation determines what you do.
Attitude determines how well you do it."

- Lou Holtz





www.guardianlife.com: The Guardian Life Insurance Company of America, New York, NY.

www.greatwest.com: Great-West Life & Annuity Insurance Company is the US subsidiary of Canada's Great-West                                Lifeco and a member of the Power Financial family. Greenwood Village, CO

www.thehartford.com: Hartford Life, Inc. Parent company is The Hartford Financial Services Group Simsbury, CT

www.ing-usa.com: ING U.S. Financial Services headquartered in Atlanta, GA. Parent company is Amsterdam-based                            ING Group


www.lfg.com: The Lincoln National Life Insurance Company is the primary insurance subsidiary of Lincoln National                     Corporation (which operates as Lincoln Financial Group). Hartford, CT


www.massmutual.com: Massachusetts Mutual Life Insurance Company Springfield, MA


www.mnlife.com: Midland National Life Insurance Company - an original member of the Sammons Financial Group.                          Sioux Falls, SD


www.newyorklife.com: New York, NY. New York Life Insurance Company


www.nmfn.com: The Northwestern Mutual Life Insurance Company Milwaukee, WI


www.ohionatl.com: Ohio National Financial Services marketing name for Ohio National Life Insurance and Ohio                             National Life Assurance. Cincinnati, OH


www.symetra.com: Symetra Life Insurance Company - Parent company is Symetra Financial. Bellevue, WA


www.westcoastlife.com: West Coast Life Insurance Company. San Francisco, CA Founded in 1906 and became                                     a subsidiary of Protective Life in 1997.

18500 Lake Road, Suite 220, Cleveland, OH 44116    TEL: 440.356.8858    FAX: 440.356.8857