Exhibit 10.16
 Sign and Return this Page to Golden Rule
 INDEPENDENT BROKERS CONTRACT
SIGNATURE PAGE
  (a)
    
    I have received a copy of the Independent Brokers Contract (IBC-0405), consisting
of this page and four (4) other pages, as well as the Rules and Regulations (Rules-0405),
which are fully incorporated by reference and made a part of the Contract;
 (b)
    
    I have read, understood, and agreed to each and every term of this Contract;and
 (c)
    
    This Contractwill not be in effect until such time as the Companyhas
countersigned this Signature Page and attached the appropriate Commission Schedule(s).
 You:
    
    
    
    By:Print or type Your Name
    
    
    
    Print Name (and title if signing in a representative capacity)
 Signature
    
    Date
 BENEFICIARY DESIGNATIONS(See 3.9): Name
    
    Address
    
    RelationshipPrimary Beneficiary(ies):
  FOR HOME OFFICE USE ONLY
EXECUTED ON BEHALF OF GOLDEN RULE INSURANCE COMPANY
 BY:NameXSignature
    
    Date
 This agreement shall take effect as of   Producer No.




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GoldenRule
   
 INDEPENDENT BROKERS CONTRACT
 Company, We; Us, Our) You
 DEFINITIONS
  Broker of Record Insurance Product. Broker of Record may Us Client.
 Contract
 Clients Our Insureds, You Broker of Record.
 Commission Schedule Contract Company.
 Insured Insurance Product.
 Insurance Products Us,
 PBA
 You Your Contract. You You act Your You. You.
 Your Sub-Brokers You PBAs; Us
 PART I  YOUR AUTHORITY
 1.1
    
    General Authority.Youhave the authority, responsibility, and rights stated in this
Contract.Subject to all terms of this Contractand any applicable state or federal laws, You
are authorized to:
 (a)
    
    Obtain and submit applications for Insurance Productsto Usfor Ourconsideration
on behalf of persons for whom Youare acting as broker, but only if the Insurance Product
is: (1) named in the Commission Schedule;(2) offered in those states in which Youare
authorized and/or appointed; and (3) one for which Youunderstand the materials provided
by Us,and have completed any required product training.
 (b)
    
    Collect initial premiums in exchange for official receipts furnished bjr Us. Youdo
not have the exclusive right to submit applications on behalf of prospective Clientsfor
any Insurance Product.
 (c)
    
    Submit PBAsfor prospective sub-brokers. If Youare a sub-broker, You maynot have
sub-brokers.
 1.2
    
    Independent Status.Youare an independent contractor relative to the Company.Although this
Contractentitles Youto submit applications to the Companyon behalf of prospective Clients,
Youshall not represent to anyone that You acton behalf of the Company,except as expressly
set forth in this Contract.
 Contract, Company, You Company.
 (a)
    
    Due to a particular states licensing requirements, You maybe appointed in that
state as an agent; and
  
  2




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(b)
    
    From time to time the Companyor others may refer to Youas an agent. These
references may occur because of the general use of these words in everyday vocabulary.
 You Your Clients Our You Your Your Clients Clients.
 1.3
    
    Unauthorized Acts.Youare prohibited from engaging in any act not expressly authorized by
Us.Unauthorized acts specifically set forth in the Rules and Regulations may result in
termination of this Contractand forfeiture of future compensation. We mayseek any other
remedy Wedeem appropriate.
 PART II  YOUR DUTIES
 2.1
    
    Compliance with Company Rules.You will comply with the Rules and Regulations incorporated
by reference into this Contract,as well as any written changes provided to You.
 2.2
    
    Your Sub-Brokers.Youare responsible for the acts and omissions of Your Sub-Brokersas
though they were Youracts and omissions. Therefore, Youmust train and supervise Your
Sub-Brokers. Your Sub-Brokersdo not have any authority not granted to You.Whatever is
required of Youis also required of Your Sub-Brokers.
 2.3
    
    Licensing and Appointment.In order to submit applications for Insurance Products, Youmust
be licensed as required by law, and authorized and/or appointed by Us.In states that send
renewal license information directly to the licensee, it is Yourresponsibility to furnish Us
with a copy of Yourrenewal licenses. Renewal appointment fees or other fees for Youand Your
Sub-Brokers maybe withheld from compensation.
 2.4
    
    Errors and Omissions Coverage.Wereserve the right, as a condition for submission of
applications, to require that Youobtain Errors and Omissions insurance coverage from a
carrier satisfactory to Usof the type and in the amounts specified by the Company. Youmust
notify Usof any changes in YourErrors and Omissions insurance coverage.
 2.5
    
    Trust Fund.All collections made by Youshall be kept entirely separate and distinct from
other funds. Youshall pay these collections over to Uswithin three (3) business days. You
shall not make use of any of these funds. If Youwithhold any funds, policies, receipts, or
other property belonging to the Companyor a Client,this Contractshall be immediately
terminable by the Companywithout notice and all compensation accruing to Youshall be
forfeited in accordance with 3.6.
 2.6
    
    Product Delivery.Youshall promptly deliver all Insurance Productsin accordance with the
Rules and Regulations. Without the specific written approval of the Company, Youare expressly
forbidden to deliver any Insurance Productsto a Client
 (a)
    
    Without securing the full first premium.
 (b)
    
    When, to Yourknowledge, the Clienthas received medical treatment, consultation,
or medication; has contracted any illness or disease; has suffered any injury or mental
or physical impairment since making application for insurance; or there has been any
other change in circumstances of the Clientfrom the circumstances included in the
application.
 (c)
    
    When, to Yourknowledge, a misrepresentation has been made on the application.
 2.7
    
    Taxes.Youare responsible for all occupational, income, and municipal taxes for You.All
state premium taxes will be paid by Us.
 2.8
    
    Advertising Materials.All advertising material that uses or includes the name of the Company
or that describes Our Insurance Productsshall not be printed, circulated, or used without Our
prior written approval. Refer to the Rules and Regulations for specific requirements.
 2.9
    
    Confidentiality and Privacy.We expect Youand/or Youremployees to comply with the
confidentiality and privacy of information requirements, as specified in the Rules and
Regulations. This 2.9 shall survive termination of the Contract.
   3




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2.10
    
    Cooperation.If a Clientnotifies Youof a complaint about Youor the Company, Youwill
immediately notify Us.If one of Your Clients
files a complaint or lawsuit against Youor the Company, Youwill cooperate fully with Usby:
 (a)
    
    Answering relevant questions under oath; and(b)
    
    Furnishing copies of relevant documents that pertain to the matter or other
assistance reasonably required to resolve the matter.
 PART III  COMPENSATION
 3.1
    
    Commissions.We pay commissions on Insurance Products.The commissions will be based on the
Commission Schedule(s) attachedby the Companyand the Broker of Recordon the date the
premium is received and credited by Us.If Youare a sub-broker, commissions on Yourbusiness
will be based on the commission schedule of the party designated by Youto receive Your
commissions on Your PBA. We maychange this schedule at any time, but changes will only apply
to applications written after Wemail notice of the change to You.
 3.2
    
    Payment.Commissions will be paid to Youunless Youare a sub-broker. Commissions will
accumulate until at least $100 is payable. Youmay assign commissions only to a properly
licensed broker appointed and/or authorized by Us.We will honor an appropriate court order
or notice of levy in the event of garnishment or levy.
 3.3
    
    Your Sub-Brokers.Youare solely responsible for the compensation of Your Sub-Brokers. You
agree to indemnify and hold the Companyharmless from any losses, costs, liabilities, or
damages that are incurred by Usas a result of Yourfailure to promptly or properly
compensate these persons.
 3.4
    
    Reservation of Rights.The Companyreserves the right to determine:
 (a)
    
    Whether compensation will be paid and, if so, to whom it will be paid, on
reinstated or converted Insurance Productsand on Insurance Productsthat in Ourjudgment
are replacements of existing Company Insurance Products.
 (b)
    
    The amount of compensation to be paid on Insurance Productsnot now covered in the
Commission Schedule(s).
 (c)
    
    Whom to pay if there is a dispute between Youand another broker over compensation,
but not between Youand Your Sub-Brokers.
 3.5
    
    Chargebacks, Setoffs, and Deficits.If Wereturn premium for any reason, the commissions on
that premium will be deducted from Yourcommissions. We mayset off any debt owed by Youto Us
against any amount owed by Usto You.If Youowe Usmore than Weowe You, Youshall repay Us
any deficit amount, within 30 days of demand.
 3.6
    
    Forfeiture of Future Compensation.No further compensation will be due or payable if Youor
Your Sub-Brokerscommit any unauthorized acts under Part II of the Rules and Regulations. This
3.6 survives termination of this Contract.
 3.7
    
    Termination of Compensation.If this Contract is terminated for any reason other than
pursuant to 4.1(a) and subject to all other terms of this Contract,the Companywill continue
to pay any commissions owed to Youuntil:
 (a)
    
    Yourdeath and the death of all designated beneficiaries (or dissolution if Youare a
business entity);(b)
    
    These payments have been made for five (5) years; or(c)
    
    Commissions otherwise payable to Youin
any calendar year are $1,000 or less.
 3.8
    
    Conclusive Accountings.If Youare not a sub-broker, Wewill provide or make available to You
aperiodic statement of all compensation due and payable to Youwith each commission payment.
Unless Youfile a written objection to the statement within sixty (60) days from the date of
the mailing or posting of the statement, that statement shall be deemed conclusively correct
and Youwaive any right to contest the statement.
 3.9
    
    Beneficiaries.Yourprimary and contingent beneficiary designations are shown on the
Signature Page of this Contract.If no designations are shown, Yourestate will be Your
beneficiary. Wewill follow Ourusual procedures concerning payments to beneficiaries and
changes in beneficiary designations.
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PART IV  GENERAL PROVISIONS
 4.1
    
    Termination ofContract.
 (a)
    
    Termination .for Cause.We mayeffect an immediate termination of this Contractand
revoke all Yourrights and privileges by written notice to You,if Youfail to:
 (i)
    
    Comply with the terms and conditions of Your Contract,including a failure to
abide by the Rules and Regulations.(ii)
    
    Obtain or maintain any required insurance license in any state.
 (b)
    
    Termination without Cause.This Contractmay also be terminated without cause by
either party upon at least thirty (30) days written notice to the other party.(c)
    
    Automatic Termination of Sub-Broker.If Youare a sub-broker, this Contractwill
terminate automatically and without notice if the contract between Usand the party
designated by Youon Your PBAis terminated.
 4.2
    
    Reservation of Rights.Without terminating this Contract, Wereserve all Ourrights not
expressly in conflict with this Contract,including the right to:
 (a)
    
    Authorize or terminate authorization of some of Your Sub-Brokersand not others.(b)
    
    Refuse to accept business from any of Your Sub-Brokers.(c)
    
    Discontinue acceptance of applications for any Insurance Product.(d)
    
    Withdraw from doing business in any state or area.
 4.3
    
    Good Faith.The parties agree to perform all duties under this Contractin utmost good faith.
 4.4
    
    Indemnification.Youagree to indemnify and hold the Companyharmless from any and all loss
incurred by Usas a result of any act or omission that is:
 (a)
    
    In violation of this Contract,or(b)
    
    Negligent or intentional misconduct; and(c)
    
    Committed by You, Your Sub-Brokers,and/or Youremployees.
 As used here, loss includes, but is not limited to, court costs, any claims or benefits paid
pursuant to judgment or reasonable settlement, and all reasonable attorneys fees and expenses
incurred by Usin defending and/or settling any claim against Us,or in pursuing recovery from
You, Your Sub-Brokers,and/or Youremployees.4.5
    
    Modification of Contract.This Contractmay only be modified in writing signed by a duly
authorized representative of the Company. Youwill be deemed to have accepted any changes
(other than those described in 2.1 and 3.1), unless Younotify the Companyin writing to the
contrary within thirty (30) days of receipt of the Contract-change notice.
 4.6
    
    Non-Waiver. Forbearance, neglect, or failure of the Companyto enforce any or all of the
provisions of this Contractor to insist on strict compliance by Youor Your Sub-Brokers,
shall not be construed as a waiver of any of Ourrights or privileges.
 4.7
    
    Entire Agreement.This Contract,together with all amendments and attachments, including the
Rules and Regulations and the Commission Schedule(s),sets forth the entire understanding
between Youand Us.This Contractsupersedes all prior agreements, arrangements, and
communications, whether oral or written, with respect to the subject matter.
 4.8
    
    Notices.Any notice required by this Contractshall be sufficient and effective upon deposit
in the U.S. mail, postage prepaid, and addressed to You at Yourlast known address shown on
the Companysrecords.
 4.9
    
    Choice of Law.This Contractwill be construed in accordance with the laws of the state of
Illinois without reference to Illinois conflicts-of-law provisions.
 4.10
    
    Headings andTitles. The headings and titles used in this Contractare non-substantive and
for reference only.
 4.11
    
    Severability.If any provision of this Contractis held invalid for any reason, the remainder
of this Contractshall not be affected.




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®
 
 RULES AND REGULATIONS for
GOLDEN RULE INSURANCE COMPANY INDEPENDENT BROKERS
 Your You.
 DEFINITIONS
  Broker of Record Insurance Product. Broker of Record may Us Client.
 Company, We, Us, or Our
 Clients Our Insureds, You Broker of Record.
 Insured Insurance Product.
 Insurance Products Us,
 PBA
 You You? You You Your You. You.
 PART I  GENERAL RULES
 1.1
    
    To maintain Ourgood reputation and Yours, Youmust comply with all applicable statutes,
ordinances, rules, and regulations of all federal, state, municipal, and other regulatory
agencies or authorities.
 1.2
    
    While Youare free to give Your Clientsgood, honest advice, Yourauthority to act on Our
behalf is limited.You maynot, under any circumstances, obligate or bind the Companyin any manner, such as:
 (a)
    
    Issuing binders;(b)
    
    Field underwriting or determining eligibility; or(c)
    
    Offering personal assurances concerning issues of underwriting, claim resolution,
or coverage.
 Your Us You Us Your You You, Our Your You Us.
 PART II  UNAUTHORIZED ACTS
 You Us.
 (a)
    
    Incurring any debt or obligation on behalf of Us,or waiving any forfeiture.




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(b)
    
    Making, altering, or discharging any application, policy, plan, or contract.(c)
    
    Extending the:
 (i)
    
    Time for payment of any premium or accepting payment of any past-due premium; or(ii)
    
    Grace period of any product or waiving any grace-period premium.
 (d)
    
    Waiving and/or excluding from any application any information including, but not limited to,
information pertaining to the health, weight, height, age, residence, past or present
physical, mental, or other medical conditions of a Client,or any other information that might
be required to be disclosed by the Client,when that information is disclosed or otherwise
known to You.(e)
    
    Receiving any money due or to become due to Us,except the first premium or first premium
installment on applications submitted by You.(f)
    
    Representing the Companyin any manner except as authorized by Us.(g)
    
    Signing as Broker of Recordany application not directly solicited by You. Youshall not sign
any application that has been solicited by any other person. You maysign only applications
solicited by You.(h)
    
    Completing any part of a health insurance application, except premium and broker information,
unless otherwise mandated by state law.(i)
    
    Using any marketing materials that refer to Our Insurance Productswithout Ourprior written
approval.0)
    
    Charging a service fee to the Clientfor services provided in soliciting and/or servicing one
of Our Insurance Products.(k)
    
    Engaging in unfair and deceptive practices in violation of federal and/or state laws. These
practices include misrepresentations, false information, defamation, boycott, coercion,
intimidation, false statements, false entries, unfair discrimination, rebates, and unfair financial planning
practices.
 (l)
    
    Engaging in unfair competition based on the elements of price, quality, and service
under federal or state laws. This includes unsuitable placement, bashing, and making
disparaging remarks regarding Usor another carrier.
 (m)
 (n)
    
    Misapplying or embezzling funds belonging to a Clientor Us.If no policy, plan, or contract
is issued on an application, then the whole amount of monies collected by Youshall be
returned to the Clientwithin three (3) working days after receipt of notice of nonissue.(o)
    
    Withholding any funds, policies, receipts, supplies, or equipment belonging to Us after We
have made a demand for them.
 (p)
    
    Improperly inducing or influencing Clientsto relinquish their Insurance
Productswith Us.
 You We may Your Your We may We
 PART III LICENSING
 3.1
    
    Werequire. that Yourlicensing be complete before Yousubmit any application to Us. Wewill
notify Youwhen Youare authorized and/or appointed, and You maybegin offering applications
for Ourproducts.3.2
    
    In states that send renewal license information directly to the licensee, it is very
important that Youfurnish Uswith a copy of Yourrenewal license. Unless Yourcurrent license
is on file with Us,any application Yousubmit will be returned to You.3.3
    
    You mayverify Yourappointment status and authorization to offer Ourproducts by contacting
OurMarketing Service Center.
   2




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PART IV  APPLICATIONS, PREMIUMS, AND UNDERWRITING
 4.1
    
    When submitting applications to Us,please ensure that the Clientaccurately completes all
forms, unless the form is specifically designed to be completed by You.Either way, be sure
the Clientcarefully reviews the completed application prior to signing and dating it. Never
allow a Clientto sign a blank or an incomplete application.
 4.2
    
    All applications must be submitted the earlier of: (a) three (3) business days after You
receive the application from the Client;or (b) six (6) business days after the application is
completed and signed by the Client.
 4.3
    
    Applications more than fifteen (15) days old when received by Uswill be returned. The Client
must date applications on the date the application is signed.
 4.4
    
    Wedo not accept COD health business or trial applications. Any submissions without the
initial premium will be returned.4.5
    
    Wewill accept COD life business only in the following situations:
 (a)
    
    Cases of life insurance in which the aggregate amount of the life insurance in
force or applied for with the Companywill equal or exceed $300,000.
 (b)
    
    Cases of life insurance in which any person to be covered has experienced stroke,
heart attack, diabetes, or cancer (other than skin cancer).
 (c)
    
    If the insurance product will be funded via a Section 1035 Exchange (in which case
the tax form must be submitted with the application).
 4.6
    
    Unless otherwise instructed by Uson the application, premium checks should be made payable
to the Companyand submitted with the application. Partial payments cannot be accepted unless
specifically provided for in the product information.
 4.7
    
    Only initial premiums are to be collected and submitted with the application. Subsequent
premiums will be billed directly by Us,and the Clientwill make all payments directly to the
Company,unless otherwise instructed by Us.
 You
 4.8
    
    With regard to a health product for individuals and small groups, the earliest possible
effective date is the date set forth in the Conditions Prior to Coverage provision for that
product.4.9
    
    Do not submit altered applications.
 4.10
    
    Coverage restriction riders attached to any issued Insurance Productwill be reviewed upon
written request if:
 (a)
    
    Six months have elapsed for one-year riders; or(b)
    
    One year has elapsed for riders that have a duration of more than one year.
 PART V  CONFIDENTIALITY AND PRIVACY OF INFORMATION
 5.1
    
    As used in this Part V, all references to Youwill include any of Youremployees, sub-
brokers, or other representatives.
 5.2
    
    You maybe provided with or have access to information which Weconsider confidential and
proprietary (Confidential Information), including, but not limited to, pricing, rates,
computer programs, and product information. Youwill hold in confidence and not use or
disclose any Confidential Information. This shall not apply to the Confidential Information if
it:
 (a)
    
    Is readily available to the public without restriction through no fault of Yours.(b)
    
    Is received without restriction from a third party lawfully in possession of and
lawfully empowered to disclose this information.
 (c)
    
    Was rightfully in Yourpossession without restriction prior to its disclosure, or
was independently developed by Youwithout access to such Confidential Information.
 5.3
    
    You maybe provided with or receive Protected Information. Protected Information shall be
defined to include, but is not limited to, nonpublic personal information and individually
identifiable health information as currently used in 15 U.S.C. § 6809 and 45
C.F.R. § 164.501 and as they are subsequently updated, amended, or revised.




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5.4
    
    Pursuant to this agreement, Youwill provide services for Usthat involve the use and
receipt of Protected Information. Except as otherwise specified herein, You mayuse the
Protected Information as necessary to perform Yourobligations under this agreement. All
other uses not authorized by this agreement are prohibited. In the event Youdisclose
Protected Information which is not authorized by this agreement, Youagree to inform Usin
writing of such disclosure as soon as Youdiscover it.
 5.5
    
    Either party may terminate this agreement at any time with at least ten (10) days prior
written notice for an uncorrected material breach of this Part V, provided the breaching
party was allowed a reasonable opportunity to remedy the material breach, and it was not
corrected during that time. Upon termination of this agreement, the breaching party shall:
 (a)
    
    Destroy or return, the Protected Information in the breaching partys possession and
retain no copies (which shall mean destroying all back-up tapes), if it is feasible to do
so. If not feasible, provide notification to the other party in writing; and
 (b)
    
    Recover any Protected Information in the possession of employees. If it is
infeasible for Usor Youto obtain any Protected Information from any employee, We,or
You,must provide a written explanation and require the employees to agree to extend any
and all protections, limitations, and restrictions contained in this paragraph to any
Protected Information retained after the termination.
 5.6
    
    Responsibilities ofYouandthe Company.With regard to the use and/or disclosure of
Protected Information, Youand the Companyhereby agree to do the following:
 (a)
    
    Use and/or disclose the Protected Information only as permitted or required by
this agreement and/or by law.
 (b)
    
    Put into practice administrative, physical, and technical safeguards that
reasonably and
appropriately protect the confidentially, integrity, and availibility of the
Protected Information that Youcreate, receive, maintain, or transmit on behalf of Us.
 (c)
    
    Require all employees that receive, use, or have access to Protected Information to
agree in writing to adhere to the same restrictions and conditions contained in this Part
V.
 (d)
    
    Make all records, books, agreements, policies, and procedures relating to the use
and/or disclosure of Protected Information available to regulatory authorities for
purposes of determining compliance with the Privacy Laws, subject to attorney-client and
other applicable legal privileges.
 (e)
    
    Upon request, agree to provide access to the Protected Information to the Insuredto
whom it relates (or his or her authorized representative).
 (f)
    
    Upon request, agree to make any amendment(s) to the Protected Information.
 (g)
    
    Upon request from Us,provide such information to respond to a request by an
Insuredfor an accounting of the disclosures of the InsuredsProtected Information.
 (h)
    
    Unless authorized in writing by Yourclient, Youagree not to further disclose
account numbers to conduct telemarketing, direct-mail marketing, or other
electronic-mail marketing to Yourclient.
 5.7
    
    Youand the Companyshall not be obligated under this Part V, if the Protected Information:
 (a)
    
    Is or has become readily publicly available without restriction.
 (b)
    
    Is received without restriction from a third party lawfully in possession of and
lawfully empowered to disclose such information.
 (c)
    
    Was rightfully in Yourpossession or Ourswithout restriction prior to its
disclosure or was independently developed by Youor Us.




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PART VI  COMMISSIONS
 6.1
    
    Commissions are paid on business actually issued through the last day of the preceding month.
After Yourfirst year as a broker, commission payments will be left to accumulate until at
least $100 in commissions is payable.
 6.2
    
    Commission is not paid on new applications until the Insurance Producthas been issued and We
have received the premium.
 6.3
    
    Please wait at least sixty (60) days following. submission of an application to inquire about
unpaid commissions. Yourinquiry should be directed to OurMarketing Service Center.
 PART VII  ADVERTISING
 7.1
    
    All advertising material used by Youthat uses or includes Ourname or that describes
Insurance Productsoffered by Usshall be submitted to Usprior to use and shall not be
printed, circulated, or used without Ourprior written approval. Advertising material
includes, but is not limited to, materials provided to potential Clients,the general public,
or existing Clients(when offering or promoting a change in existing coverage). Types of
advertising material. include, but are not limited to, brochures, fliers, cards, letters,
television or radio scripts, booklets, illustrations, videos, computer-generated media (such
as the Internet), prepared sales talks, presentations, telephone listings, signs, magazines,
newsletters, and newspapers.
 7.2
    
    You maynot change the format or content of Ouradvertising material, nor may Youincorporate
another companys advertising material into or with Ouradvertising material.7.3
    
    Ouradvertising material may not be reproduced or distributed on the Internet, through
E-mail, or by any other electronic means
without Ourprior written approval.
 7.4
    
    Any advertising materials available to Youthrough the CompanysBroker Internet Service,
including, but not limited to, brochures or other information, may not be distributed by You
to any persons other than Yourprospective Clients.
 7.5
    
    You maynot use the Companysname, trademark, service mark, or product name or make
reference to such trademark, service mark, or
product name in any advertising materials, including, but not limited to, building
directories, office doors, or signs. Youare prohibited from using the Companysname or logo
in any way that might imply a relationship between Youand Usother than the relationship of
an independent contractor.
 PART VIII  CLAIMS
 8.1
    
    Wemake every effort to assure fast, accurate, and fair claims handling. Youcan best serve
Your Clientsby encouraging the claimants to cooperate in the collection of all medical
records necessary for a complete and proper claim.
 8.2
    
    Youshall not offer opinions about claims to Insuredsor other persons. Decisions on all
claims will be made by the Claims Department based on information submitted by the Insured
and the providers of medical services.
 INFORMATION SOURCES
 Claims/Account Servicing: You Insured Our at Insurance Product
 Marketing Opportunities: Our