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Mr. Samuel Selario
The Selario Agency, Inc.
300 Mt. Lebanon Boulevard
Pittsburgh, PA 15234

Dear Sam:

As you are aware, you and Howard really helped my client and me recently.

My client of 17 years was a senior executive with a major steel firm in the city and wished to significantly increase his life insurance coverage. Obviously the earnings of this client were substantial enough to cover the increased premiums; however, my client had other cash drains that made it difficult if not impossible to obtain the desired coverage. That was until you and Howard became involved. Your knowledge and expertise were not only helpful, but my client now views me as his "expert" in all of his insurance needs. In fact, he has recommended me to several other prospects based upon my performance in securing this increased insurance.

Both you and Howard's suggestions coupled with the specific product provided a solution that was not readily apparent to me. Your knowledge of the product and how it interfaced with my client's needs made me realize how valuable The Selario Agency has been and will continue to be in my business.

Although we did not need to call on others outside your firm, I do realize and remember from previous experiences the relationships you have with the best minds in the business world. Whether they be accountants, attorneys, financial advisors or investment specialists every one that you've introduced me to, has been terrific.

That also holds true with the carriers that you represent. I know that you have long-standing relationships with these carriers and you work with these carriers in ways that are very beneficial to we agents in those difficult cases that we experience every so often.

Too often we take things for granted, but I wanted you and Howard to know how pleased I was with this particular case. I've been working with you for the past 22 years, and I don't take you for granted. I thought this would be the perfect opportunity to express those sentiments.

I'm pleased that I have you at my disposal,


Norman Faet III
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