INSURANCE SERVICES OF AMERICA: We are a worldwide marketer of "niche" insurance products, specializing in short-term major medical plans, group dental insurance, trip and travel insurance, and international health insurance.  We have over 38 years of health and life insurance experience and have been featured in AMERICAN WAY, "Health Beyond Borders," in Short-term Missions Today, "International Health Insurance, Don't Leave Home Without It" and in Global HR News Magazine, "Insurance Without Borders".  Review our coverage, get a quote and apply online; or call us for personal service.   SATISFACTION GUARANTEE: If you are not satisfied for any reason and you have filed no claims, then return the Coverage Document (within 10 days of receipt) with your written request by fax or mail for cancellation to Insurance Services of America. Coverage will be cancelled as of the effective date and you'll receive a full premium refund. Call or email us with any questions or for personal assistance.  Insurance Services of America 1757 E. Baseline Road, Suite 126 Gilbert, AZ  85233 (800) 647-4589 * (480) 821-9052 * (866) 793-4779 TOLL FREE FAX Email health@shorttermhealthplan.com                 ABOUT THE INSURANCE COMPANIES: Standard Security Life Insurance Company of New York is rated A (Excellent) for financial condition by A.M. Best Company, as of 06/04.  Standard Security insures our "Secure" STM. Guarantee Trust Life Insurance was founded in 1936 and insures over 1.2 million people with over $180 million dollars in rock solid assets.  GTL insures our "Horizons" STM. ABOUT THE ADMINISTRATOR: Allied National's roots date back to 1951.  At first our Kansas City based company was a life insurance brokerage agency, and it soon expanded into a life, accident and health brokerage specializing in sub-standard risk.  In 1970, with the development of Allied's Multiple Employer Trust (one of the first in the country) the agency became an administrator as well.  Over the next 15 years, the administrative company grew to include 5 partners, a full-service brokerage operation and a professional marketing department. Throughout its history, Allied has remained steadfast in its focus on high-quality products and its commitment to value. In 1993, Allied National incorporated and today remains privately held and run by a well-seasoned management team.  Allied National administers our "Horizons" STM. Health Plan Administrators, Inc is a fully licensed, full service Third Party Administrator transacting business worldwide. HPA is a third generation company dating back to 1939. Industry leading services include: professional customer service, prompt claims payment, state of the art billing and reporting. HPA, Inc., dually headquartered in Rockford, Illinois for administration and Tampa, Florida for marketing, is a national and international Third Party Administrator. HPA has provided innovative health care solutions for over 60 years, meeting customer's needs with integrity, creativity and value. We strive to provide the best possible coverage in a cost effective manner. We, in conjunction with our trusted insurance carriers, share a mutual desire to provide important benefits to our customers and to meet their needs in an innovative, hassle-free manner. HPA has met or exceeded all state-mandated requirements, bringing you stability and security.  HPA administers our "Secure" STM.