Marketer/Agent Compensation Agreement Golden Rule Insurance Products

Agency Agreement

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Title: Marketer/Agent Compensation Agreement Golden Rule Insurance Products
Date: 11/30/2005

                                                                   
Exhibit 10.13

                   
Marketer/Agent Compensation Agreement

                     
Golden Rule Insurance Products

This agreement is entered is entered into this 10th day of May,
2005 by and

between Health Benefits Direct, LLC and Insurance Specialists
Group.

For all Golden Rule Insurance Company insurance policies sold and
issued by any

registered agent employed by Health Bene

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