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<br /> <br />February 10, 2009 <br /> <br />City of Sunny Isles Beach <br />18070 Collins Avenue <br />Sunny Isles Beach, Florida 33160 <br /> <br />Re: Lincoln Financial <br />Life, Short Term Disability, Long Term Disability and Voluntary Life <br /> <br />Doug, <br /> <br />Our current contract with Lincoln Financial is still in a multi-year rate guarantee. We did approach <br />numerous carriers and at this time, our current contract has the most comprehensive benefits and <br />pricing. <br /> <br />The cost on the life will continue at .22/.02 per $1000 of benefit. <br />The L TD cost is .46 per $100 of benefit. <br /> <br />We still will market every year as we have in the past to insure that your program is the most <br />competitive. <br /> <br />Please feel free to contact our office with any questions. <br /> <br />Regards, <br /> <br />Br~n & Brown Benefit Consultants <br />f j <br />II <br />\ <br /> <br /> <br />5900 N. Andrews Avenue, Suite 401 I Fort Lauderdale, Fl 33309-2366 i Phone: 954.453.6280 ! Fax: 954.772.6243 <br />A Division of Brown & Brown of Florida, Inc. I Website: www.bbbenefitc.com <br />