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far in listen-only mode good morning everyone this is mark rainmakers with insurance agency marketing services want to thank you for taking time to join us here this morning on our presentation with national Guardian life with us we have John n ting he is one of our top producers here and hes the one that brought the product to us here a couple years ago and because of that weve had some tremendous success continually see this business on the uptick and you know the nice thing about this product its very simple really anyone thats in your block is a prospect for this particular product and so John will go ahead and go through that with us John you can hear me okay yes sir excellent thanks for joining us John what real quick were going to do is Ill let you know that this is a recorded webinar so well email this over to you here at the conclusion of it so you have a chance to review it if you have any questions you can obviously get a better understanding the product and then wer