<PAGE>   1
                                                                     EXHIBIT 4.1

        NUMBER                                                            SHARES


                             INVESTMENT AGENTS, INC.
               INCORPORATED UNDER THE LAWS OF THE STATE OF NEVADA
           25,000,000 SHARES COMMON STOCK AUTHORIZED, $.001 PAR VALUE
                                                          CUSIP 46129V 10 0
                                                          SEE REVERSE FOR
                                                          CERTAIN DEFINITIONS

        THIS CERTIFIES that

        is the owner of


        FULLY PAID AND NON-ASSESSABLE SHARES OF THE COMMON STOCK OF

                             INVESTMENT AGENTS, INC.

transferable on the books of the corporation in person or by duly authorized
attorney upon surrender of this certificate properly endorsed. This certificate
and the shares represented hereby are subject to the laws of the State of
Nevada, and to the Certificate of Incorporation and Bylaws of the Corporation,
as now or hereafter amended. This certificate is not valid unless countersigned
by the Transfer Agent. WITNESS the facsimile seal of the Corporation and the
signature of its duly authorized officers.

Dated


/s/ Pamela Ray Stinson                                    /s/ Ramon Robert Acha
President                                                 Secretary


                             Investment Agents, Inc.
                                 Corporate Seal
                                     Nevada

                                                 COUNTERSIGNED
                                                 PACIFIC STOCK TRANSFER COMPANY
                                                 P.O. Box 93385
                                                 Las Vegas, NV 89193


                                                 By
                                                   -----------------------------
                                                      Authorized Signature



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        The following abbreviations, when used in the inscription on the face of
this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations.

<TABLE>
<S>            <C>                                 <C>
TEN COM        - as tenants in common              UNIF GIFT MIN ACT.........Custodian...............
TEN ENT        - as tenants by the entireties                         (Cust)              (Minor)
JT TEN         - as joint tenants with the right
                 of survivorship and not as                  Act................................
                 tenants in common                                      (State)
</TABLE>

        Additional abbreviations may also be used though not in the above list.

        For value received, _______________________________ hereby sell,
assign and transfer unto
PLEASE INSERT SOCIAL SECURITY OR OTHER
IDENTIFYING NUMBER OF ASSIGNEE




------------------------------------------------------------------------
(PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE, OF
ASSIGNEE)
---------------------------------------------------------------------

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shares of the capital stock represented by the within Certificate, and do hereby
irrevocably constitute and appoint _____________________________, Attorney to
transfer the said stock on the books of the within named Corporation with full
power of substitution in the premises.

Dated _____________________________

X ______________________________________________________________________

  THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME AS WRITTEN UPON
THE FACE OF THE CERTIFICATE IN EVERY PARTICULAR, WITHOUT ALTERATION OR
ENLARGEMENT OR, ANY CHANGE WHATSOEVER. THE SIGNATURE(S) MUST BE GUARANTEED BY AN
ELIGIBLE GUARANTOR INSTITUTION. (Banks, Stockbrokers, Savings and Loan
Associations and Credit Unions).

  SIGNATURE GUARANTEED:



                                          TRANSFER FEE WILL APPLY



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