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<div dir="ltr">\ufeff\ufeff<span style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); -webkit-text-size-adjust: auto;">Many of my clients are implementing very competitively priced term life insurance policies with NO medical exam. </span>
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<div dir="ltr"><font color="#000000"><span style="caret-color: rgb(0, 0, 0); -webkit-text-size-adjust: auto;">If you\u2019ve obtained Term Insurance in the last ~5 years; you may be able to obtain a, new less expensive term policy that will go out further than your
current one. <br>
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<span class="s1">Premiums are "locked in" for the duration of the coverage. </span></p>
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<span class="s1">Premiums will never be lower than they are today. </span></p>
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<span class="s1">Health Classifications will be better today than tomorrow. </span></p>
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<span class="s1">Waiving of Exam/Blood requirement IS TEMPORARY</span></p>
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<span class="s1">Policy includes a guaranteed conversion rider allowing the coverage to be modified to a permanent policy in the future -only requiring a signature with NO medical underwriting required</span></p>
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<p style="margin: 0px 0px 8pt; line-height: 15.6933px;"><b style="font-size: 13pt;">Yours for life,</b></p>
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<p style="background-color: rgba(255, 255, 255, 0); margin: 0in 0in 6pt; line-height: 12pt;">
<b>Daniel Hochler<br>
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<b>Managing Associate</b></p>
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<p style="margin: 0in 0in 6pt; line-height: 12pt;"><span style="background-color: rgba(255, 255, 255, 0);">Forest Hills Financial Group</span></p>
<div style="background-color: rgba(255, 255, 255, 0);">(Office) <a href="tel:646-638-9863" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="telephone" x-apple-data-detectors-result="1/1" style="text-decoration-color: rgba(0, 0, 0, 0.258824);">646-638-9863</a></div>
<div style="background-color: rgba(255, 255, 255, 0);">(Cell) <a href="tel:516-712-9556" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="telephone" x-apple-data-detectors-result="1/2" style="text-decoration-color: rgba(0, 0, 0, 0.258824);">516-712-9556</a></div>
<div style="background-color: rgba(255, 255, 255, 0);"><a id="LPNoLP" href="mailto:Daniel_Hochler@fhfg.com" target="_blank">Daniel_Hochler@fhfg.com</a></div>
<div style="background-color: rgba(255, 255, 255, 0);"><b></b><br>
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<div style="background-color: rgba(255, 255, 255, 0);"><a class="OWAAutoLink" id="LPNoLP" href="https://money.usnews.com/money/personal-finance/saving-and-budgeting/articles/2018-05-24/what-should-your-insurance-agent-do-for-you"><b>*Check out the May 24th,
2018 U.S. News & World Report article in which I was quoted.*</b></a></div>
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<div style="background-color: rgba(255, 255, 255, 0);"><b><a class="OWAAutoLink" id="LPNoLP" href="https://www.newsday.com/business/columnists/jamie-herzlich/small-business-insuring-against-loss-of-key-employees-1.10964005">*Check out the October 15th, 2015
Newsday article in which I was quoted.\u201d </a></b></div>
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<div style="background-color: rgba(255, 255, 255, 0);">Forest Hills Financial Group</div>
<div style="background-color: rgba(255, 255, 255, 0);"><a href="x-apple-data-detectors://3/1" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="address" x-apple-data-detectors-result="3/1" style="text-decoration-color: rgba(33, 33, 33, 0.258824);"></a><a href="x-apple-data-detectors://3/1" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="address" x-apple-data-detectors-result="3/1" style="text-decoration-color: rgba(0, 0, 0, 0.258824);"></a><a href="x-apple-data-detectors://4/1" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="address" x-apple-data-detectors-result="4/1" style="text-decoration-color: rgba(0, 122, 255, 0.258824);">122
E. 42nd Street Suite 2200</a></div>
<div style="background-color: rgba(255, 255, 255, 0);"><a href="x-apple-data-detectors://4/1" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="address" x-apple-data-detectors-result="4/1" style="text-decoration-color: rgba(0, 0, 0, 0.258824);">New
York, NY 10168</a></div>
<div style="background-color: rgba(255, 255, 255, 0);"><a id="LPNoLP" href="http://www.fhfg.com/" target="_blank">www.fhfg.com</a></div>
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<div style="background-color: rgba(255, 255, 255, 0);">Click here to learn why we need financial balance:</div>
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<div style="background-color: rgba(255, 255, 255, 0);"><a id="LPNoLP" href="http://www.thelivingbalancesheet.com/financialbalance" target="_blank">http://www.thelivingbalancesheet.com/financialbalance</a></div>
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<div style="background-color: rgba(255, 255, 255, 0);">Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Forest Hills Financial Group is not an affiliate
or subsidiary of PAS or Guardian. PAS is a member FINRA, SIPC. </div>
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