An Invitation from our President

I appreciate your taking the time to look at Marlton Risk Group as a source for stop loss coverage. Our business partners consistently tell me that Marlton Risk Group is the best company that they work with for stop loss. They tell me that we are responsive, timely, professional and consistently competitive. We are very proud of our reputation but do not take it for granted.

We remain consistently competitive. It's pretty straightforward; we maintain a solid underwriting track record and a history of profitability. Our history supports the respect and trust of the insurance carriers that we represent. Our results allow us to remain competitive during all market cycles.

Our proposal turnaround time, contract issuance and claim processing goals are purposefully set high and measured constantly. Every facet of stop loss is handled directly by Marlton Risk Group in-house.

As part of The IHC Group (NYSE: IHC), Marlton Risk Group enjoys the direct affiliation of some of the carriers that participant in our treaties. This ownership link places Marlton Risk Group in the position of financial strength and stability.

I hope that you accept my personal invitation to work with Marlton Risk
Group. Given the opportunity, I am very confident we will meet or exceed
your organization's needs for stop loss. Our services are available to you,
immediately.