July 6, 1999

Melissa Parker
127 S 17th St. Suite 707
Philadelphia, PA 19103


Dear Ms Parker:
Thank you for applying for insurance with Northwestern Mutual Life.
I am sorry to inform you that we could not approve your application because of
your noted history of stroke in 10/97. However, we would be willing to
review another application once you have been symptom and treatment free for
at least five years.

Because a policy cannot e issued, no insurance has been in effect at any
time under the terms of the Conditional Disability Agreement you
received when you applied. We are returning the money paid.

We appreciate your application and encourage you to ask your agent,
Jeff Passel, any questions you might have.

Sincerely,
Jane Rosette
Disability Income Department



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