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We are
very enthusiastic about the partnership.

Insurance First Agency is an independent insurance agency,
representing many well-respected and highly rated insurance companies.

pros seniors

It
addresses long-term care insurance policies: what they cover, what
costs are entailed, who needs them and how one becomes eligible for
benefits.
"The addition of Allied's products allows us to give our customers
competitive prices on insurance products that are backed by the
strength of the Nationwide Insurance Company," says Dean Henry,
President of Insurance First Agency. "Representing another high-quality carrier
gives our current and potential customers an extremely valuable option
for their insurance needs," says Henry.

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insurance insurors

(NYSE: MET), is a leading
provider of insurance and other financial services to individual and
institutional customers.

requests insurors

Please indicate if you are a
resident of Texas or Oklahoma because there is a booklet specific to
each of those states. When the company merged with
Nationwide Insurance in 1998, it assumed responsibility for
Nationwide's independent agency system.insurance -1st.

carriers insurors

----With recent news
that Americans are living longer - to age 78 on average - the need for
long -term care will be greater, especially in light of the baby
boomers' march toward "older American " status. This booklet will help anyone who
is considering whether or not they need coverage and what type of
coverage is best for them.com
For a free copy of MetLife's Long-Term Care Insurance: The
Essentials, please write to the MetLife Mature Market Institute, 57
Greens Farms Road, Westport , CT 06880, call (203) 221-6580 or e-mail:
MatureMarketInstitute@metlife., a full-service independent agency and member of the
Title First Family of Companies, announces its partnership with Allied
Insurance , a Nationwide(R) company. Products Insurance First will offer through Allied include
homeowners + auto insurance, business owners' policies, commercial
auto and umbrella policies. Allied has been a member
of the Nationwide family of companies since 1998, and is responsible
for Nationwide Insurance 's independent agency system.

medicaid hometown

com/

Business Editors/Insurance Writers

COLUMBUS , Ohio----Insurance First
Agency, Inc.
Adding Allied to their carrier lineup is part of Insurance First's
plan for growth in 2005."
Insurance First, headquartered in Columbus, Ohio, brokers personal
and commercial property + casualty insurance, health insurance and
employee benefits services .

planners term

The free, 25-page
booklet explains long-term care, defined as assistance provided when
one is not able to perform activities of daily living on one's own.

About Insurance First Agency, Inc .

For insurance agents and marketers web sites which offer long term care insurance only.

medicaid seniors

"But, like other insurance programs, once the
types of coverage and their components are broken down, the product
becomes much easier to understand."
Jason Grams, Allied Sales Director for Ohio, says of the teaming ,
"As a member of the Title First Family of Companies, Insurance First
has been able to secure a stable presence in their markets.

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Outside the U.maturemarketinstitute. "Allied offers tremendous value
to every customer for whom we write an Allied policy," he adds.

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The publication also
discusses how long-term care is financed through self-insurance,
Medicaid or long-term care insurance , but generally not health
insurance or Medicare. This guide and the others in the series can also
be accessed at http://www.

underwriting ltci

S.com.
Founded in 1988 as a sister company of Title First Agency, Insurance
First began offering property and casualty insurance to provide added
value to Title First's clientele .

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To help families prepare for their long-term care needs, the
MetLife Mature Market Institute (R) is making a guide available to the
public, Long-Term Care Insurance: The Essentials(R).com/

Editor's note: Publication available at:
http://www.

insurors assets

MetLife, a subsidiary of MetLife, Inc . Through partnerships with Allied and other
first-rate insurance carriers, Insurance First provides multiple
quotes through multiple carriers to assure customers the best
insurance coverage for the lowest possible price.
Allied has carved a spot in the market by providing quality
insurance coverage at fair prices. Allied operates in 28 states through a network
of independent agents with regional offices based in Denver, CO; Des
Moines, IA; Lincoln, NE; and Sacramento, CA.

marketers bud

, director of the MetLife
Mature Market Institute. The Institute, staffed by
gerontologists, provides research , training and education,
consultation and information to support MetLife, its corporate
customers and business partners. For more information about MetLife, please
visit the company's Web site at www.
Allied's line of personal and commercial property and casualty
insurance products will now be available to Insurance First customers
in addition to products from Insurance First's existing collection of
carriers.

seniors long

and provide benefits
to 37 million employees and family members through their plan
sponsors. Today, the company offers a broad
range of both personal and commercial property and casualty services,
including homeowner and business owner policies, auto, umbrella
policies , and financial products, as well as employee benefits
services including health insurance, health savings accounts, life
insurance and disability insurance.

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The MetLife companies serve individuals in
approximately 13 million households in the U.

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By partnering with
industry-leading insurance carriers, Insurance First can offer
customers the most comprehensive, tailored coverage available for the
best value.

assets shoff

, the MetLife companies serve approximately
9 million customers through direct insurance operations in Argentina,
Brazil, Chile, China, Hong Kong, India, Indonesia, Mexico, South
Korea, Taiwan and Uruguay. "Allied's reasonable fees will
help keep us very competitive.

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Long-Term Care Insurance: The Essentials - Available Free to the Public; Publication Explains the Considerations of Purchasing a Policy

metlife. For more information, visit www.com

About Allied Insurance

Allied Insurance is a property-casualty insurer established in Des
Moines, Iowa, in 1929.

underwriting care

Business Editors

WESTPORT, Conn.
"Many people view long-term care insurance as a complicated
product," said Sandra Timmermann, Ed.S.maturemarketinstitute.

Insurance First Agency and Allied Insurance Team to Offer Cost-Competitive Insurance Policies; Insurance First Agency Inc. Adds Allied Insurance to Lineup of

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Long-Term Care Insurance: The Essentials answers the following
questions:

Who benefits from purchasing long-term insurance?

At what age should one obtain a policy?

How is the cost calculated?

How much coverage is needed?

When does one collect benefits?

How does one evaluate the various long-term care insurance
policies?

How to select a policy?

How does one protect against inflation?

The MetLife Mature Market Institute is MetLife's information and
policy resource center on issues related to aging, retirement,
long -term care and the mature market.

competing assets

"
The free guide counters the common misconception that long-term
care insurance is solely for nursing home care, explaining that the
product can cover services provided at home and care at assisted
living or adult day care centers, for instance. Based in
Columbus , Ohio, Nationwide is a Fortune 500 company and one of the
country's largest multi-insurers and financial services organizations.