Dear Mr. Nemec:

       TEXAS ATTORNEYS LIFE INSURANCE PROGRAM
                   TRANSAMERICA OCCIDENTAL LIFE

Gerald R. Nemec  -  MALE AGE 33 - PREMIER NONSMOKER ANNUAL PREMIUM:

Insurance Amt:  $   250,000    10 Yrs: $140    15 Yrs:  $220    20 Yrs: $247
Insurance Amt:  $   500,000    10 Yrs: $220    15 Yrs:  $340    20 Yrs: $395
Insurance Amt:  $1,000,000    10 Yrs: $375    15 Yrs:  $570    20 Yrs: $680
Insurance Amt:  $2,000,000    10 Yrs: $690    15 Yrs:  $1040    20 Yrs: $1260

1.  You can save up to 30% compared to comparable life policies.
2.  Your annual premium for the first 10, 15 or 20 years is guaranteed.
3.  The underwriter has met very rigorous standards - Transamerica Occidental Life(A+ rated).

To obtain more information please visit our website by simply clicking on http://www.waynedirect.com/atty/ or call us at (800) 461-3305.  Over 1,000 Attorneys have obtained their life insurance through our agency in the last three years alone.  We have placed over $1 Billion of Life Insurance with Transamerica since 1983.

Wayne Direct Insurance Services

Todd L. Wayne, General Agent





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