New York Life Insurance Company Larry L. Taylor, CLU, ChFC, CASL

<body bgcolor="#ffffff"> <table border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"><tr> <td colspan="2" width="192" height="43"><img src="/graphics/m/TB6_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/m/TB6_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/m/TB6_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="http://www.newyorklife.com/cda/0,,15011,00.html" target="mondo" onclick="javascript:infobox('contentdisclaimer.html','380','300')"> <img src="/graphics/m/TB6_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/m/TB6_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/m/TB6_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr><tr> <td width="211"><a href="http://www.newyorklife.com/vgn-ext-templating/v/index.jsp?vgnextoid=298e6334f69d2210a2b3019d221024301cacRCRD&cmp=BAC-emerald&att=glossary" target="mondo"> <img src="/graphics/m/TB6_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"><font size="1" face="Arial, Helvetica, sans-serif">Financial terms from A to Z.</font></td> </tr><tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/m/TB6_r13_c7.gif" width="211" height="14" border="0"></td> </tr></table> </td> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"><tr><td align="center" width="1%" valign="middle"> <img src="/files/5280/LLTphoto.jpg" alt="New York Life Insurance Company Larry L. Taylor, CLU, ChFC, CASL" height="145" width="110" border="0"> </td><td><img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" BORDER="0"></td><td align="left" valign="middle" width="99%"><font SIZE="2" FACE="Arial, Helvetica, sans-serif"><b>Larry L. Taylor, CLU, ChFC, CASL Financial Services Professional</b><br><br>Abilene, TX 79605<br>Phone: 325-695-8020 or 800-799-8020<br>FAX: 325-695-8157<br><table border="0" cellpadding="0" cellspacing="0"><tr><td valign="top"><font SIZE="2" FACE="Arial, Helvetica, sans-serif">Email: </font></td><td valign="top"> <font SIZE="2" FACE="Arial, Helvetica, sans-serif"><a href="mailto:lltaylor@ft.newyorklife.com">lltaylor@ft.newyorklife.com</a><br></font></td></tr></table> </font></td> </td></tr> <tr> <td colspan="3" valign="top" width="384"><font face="Arial, Helvetica, sans-serif" size="1"> <span style="font-size=10pt;"><p>My experience and training<strong>*</strong> make me uniquely qualified to provide guidance and assistance to individuals, families, and businesses on a broad range of insurance, financial and lifestyle topics including:</p> <ul dir=ltr> <li>Saving for retirement</li> <li>Protecting loved ones in the event of death or disabilityStructuring distributions from pensions, 401(k)s, 403(b)s, IRAs</li> <li>Developing effective estate planning strategies</li> <li>Accumulating money for education</li> <li>Planning for health and long-term care needs</li> <li>Managing life course transitions, family relationships and living arrangements</li> </ul> <p dir=ltr>Please use my Web site as a resource, and do not hesitate to <a href="mailto:lltaylor@ft.newyorklife.com">contact me</a> for additional information or to schedule a meeting.</p> <p dir=ltr><font size=2><strong>* I have earned the Chartered Financial Consultant, Chartered Life Underwriter, and Chartered Adviser for Senior Living designations from the American College. </strong></p> <p dir=ltr>I am a Registered Representative of and offer Securities products & services through NYLIFE Securities LLC, 1212 13th Street, Suite 300, Lubbock, Texas, 79401, (806)761-7700, member <a href="http://www.finra.org" target="_blank">FINRA</a>/<a href="http://www.sipc.org" target="_blank">SIPC</a>, a registered broker-dealer. In this regard, this communication is strictly intended for individuals residing in the states of Texas, New Mexico, and Colorado. <br> <br> I am also an agent licensed to sell insurance through New York Life and am licensed with various other independent unaffiliated insurance companies in the states of Texas, New Mexico, and Colorado. No insurance business may be conducted outside these states referenced. </font></p> <blockquote dir=ltr style="MARGIN-RIGHT: 0px"> <p><br> </p> <p><br> </p> </blockquote> </span> </font></td> </tr> </table><br> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr> <td colspan="2" width="192"> </td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/m/TB6_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td colspan="2" width="192"> </td><td width="14" valign="top" background="/graphics/m/TB6_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1622" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Inflation Goes to College</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Over the past 10 years, tuition and fees have grown more than 4% faster than the rate of general inflation at public four-year colleges and more than 2% faster than inflation at private four-year colleges.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1624" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">The Positives of Negative Correlation</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Few asset groups are perfectly negatively correlated, but a portfolio may still be able to benefit from the correlation principle.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1661" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Get Your Retirement Reality Check</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> A retirement needs-calculation goes beyond the commonly suggested target to have 70% of pre-retirement income.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1766" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">HOT TOPIC: Moving Forward from the Credit Crisis</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> On Monday, September 15, 2008, the country awoke to news that three of the nation's largest financial institutions were unable to survive without help. Now, more than a year after that fateful September day, the economy shows signs of stability.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td> </tr> </table> </td> </tr> <tr><td colspan="3"><br> <div style="font-family: Arial, Helvetica, sans-serif; font-size: smaller; text-align: center;"> <br> Securities offered by properly licensed registered representatives of NYLIFE Securities LLC (member <a href="http://www.finra.org" target="_blank">FINRA</a>/<a href="http://www.sipc.org" target="_blank">SIPC</a>). <br> <a href="http://www.lltaylor.com/files/NYLDBAdisclaimer.htm" TARGET="_blank"> Copyright 2010. All Rights Reserved. </a> <br> <a href="http://www.lltaylor.com/files/NYLDBAPrivacyPolicy.htm" TARGET="_blank">Privacy Policy</a> </div> </td></tr></table></div></body></html>