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<SEC-DOCUMENT>0001019056-08-000706.txt : 20080602
<SEC-HEADER>0001019056-08-000706.hdr.sgml : 20080602
<ACCEPTANCE-DATETIME>20080602150736
ACCESSION NUMBER:		0001019056-08-000706
CONFORMED SUBMISSION TYPE:	SC 13D
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20080602
DATE AS OF CHANGE:		20080602
GROUP MEMBERS:		JOHN H. LEWIS
GROUP MEMBERS:		OSMIUM CAPITAL II, LP
GROUP MEMBERS:		OSMIUM CAPITAL, LP
GROUP MEMBERS:		OSMIUM PARTNERS, LLC
GROUP MEMBERS:		OSMIUM SPARTAN, LP

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			INSURE.COM, INC
		CENTRAL INDEX KEY:			0001079996
		STANDARD INDUSTRIAL CLASSIFICATION:	ACCIDENT & HEALTH INSURANCE [6321]
		IRS NUMBER:				363299423
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SC 13D
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-56673
		FILM NUMBER:		08873618

	BUSINESS ADDRESS:	
		STREET 1:		8205 SOUTH CASS AVE
		STREET 2:		SUITE 102
		CITY:			DARIEN
		STATE:			IL
		ZIP:			60561
		BUSINESS PHONE:		6305150170

	MAIL ADDRESS:	
		STREET 1:		8205 SOUTH CASS AVENUE
		CITY:			DARIEN
		STATE:			IL
		ZIP:			60561

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	QUOTESMITH COM INC
		DATE OF NAME CHANGE:	19990521

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Osmium Partners, LLC
		CENTRAL INDEX KEY:			0001316729
		IRS NUMBER:				550793716
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SC 13D

	BUSINESS ADDRESS:	
		STREET 1:		388 MARKET, SUITE 920
		CITY:			SAN FRANCISCO
		STATE:			CA
		ZIP:			94111
		BUSINESS PHONE:		415.362.4484

	MAIL ADDRESS:	
		STREET 1:		388 MARKET, SUITE 920
		CITY:			SAN FRANCISCO
		STATE:			CA
		ZIP:			94111
</SEC-HEADER>
<DOCUMENT>
<TYPE>SC 13D
<SEQUENCE>1
<FILENAME>insure_13d.txt
<DESCRIPTION>SC 13D
<TEXT>

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                  SCHEDULE 13D

             INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT
            TO RULE 13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO
                                  RULE 13d-2(a)

                           (Amendment No. _________)*


                                Insure.com, Inc.
             -------------------------------------------------------
                                (Name of Issuer)


                     Common Stock, par value $.003 per share
             -------------------------------------------------------
                         (Title of Class of Securities)


                                    45807N109
               --------------------------------------------------
                                 (CUSIP Number)


                              Osmium Partners, LLC
                          388 Market Street, Suite 920
                             San Francisco, CA 94111
                            Attention: John H. Lewis
                            Telephone: (415) 362-4485
             -------------------------------------------------------
                  (Name, Address and Telephone Number of Person
                Authorized to Receive Notices and Communications)


                                  May 30, 2008
             -------------------------------------------------------
             (Date of Event Which Requires Filing of this Statement)


         If the filing person has previously filed a statement on Schedule 13G
to report the acquisition that is the subject of this Schedule 13D, and is
filing this schedule because of Rule 13d-1(e), 13d-1(f) or 13d-1(g), check the
following box [X].

         Note. Schedules filed in paper format shall include a signed original
and five copies of the schedule, including all exhibits. See Rule 13d-7(b) for
other parties to whom copies are to be sent.

* The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter
disclosures provided in a prior cover page.

The information required on the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 or otherwise subject to the liabilities of that section of the Act but
shall be subject to all other provisions of the Act (however, see the Notes.)

                               Page 1 of 10 pages
<PAGE>

CUSIP No.:  45807N109

1.   NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

     John H. Lewis

2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
     (a) [ ]
     (b) [X]

3    SEC USE ONLY

4    SOURCE OF FUNDS

     PF

5    CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEM
     2(d) or 2(e) [ ]

6.   CITIZENSHIP OR PLACE OF ORGANIZATION

     United States

NUMBER OF                        7        SOLE VOTING POWER   -  500
SHARES
BENEFICIALLY                     8        SHARED VOTING POWER   -  423,112
OWNED BY
EACH                             9        SOLE DISPOSITIVE POWER   -  500
REPORTING
PERSON WITH                      10       SHARED DISPOSITIVE POWER  -  423,112

11   AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

     423,612

12   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES [ ]

13   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)

     6.0%

14   TYPE OF REPORTING PERSON

     IN

                               Page 2 of 10 pages
<PAGE>

CUSIP No.:  45807N109

1    NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

     Osmium Partners, LLC

2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
     (a) [ ]
     (b) [X]

3    SEC USE ONLY

4    SOURCE OF FUNDS

     AF

5    CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEM
     2(d) or 2(e) [ ]

6    CITIZENSHIP OR PLACE OF ORGANIZATION

     Delaware

NUMBER OF                        7        SOLE VOTING POWER   -  0
SHARES
BENEFICIALLY                     8        SHARED VOTING POWER   -  423,112
OWNED BY
EACH                             9        SOLE DISPOSITIVE POWER  -  0
REPORTING
PERSON WITH                      10       SHARED DISPOSITIVE POWER  -  423,112

11   AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

     423,112

12   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES [ ]

13   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)

     6.0%

14   TYPE OF REPORTING PERSON

     OO

                               Page 3 of 10 pages
<PAGE>

CUSIP No.:  45807N109

1    NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

     Osmium Capital, LP

2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
     (a) [ ]
     (b) [X]

3    SEC USE ONLY

     SOURCE OF FUNDS

     WC

5    CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEM
     2(d) or 2(e) [ ]

6    CITIZENSHIP OR PLACE OF ORGANIZATION

     Delaware

NUMBER OF                        7        SOLE VOTING POWER   -  0
SHARES
BENEFICIALLY                     8        SHARED VOTING POWER   -  136,376
OWNED BY
EACH                             9        SOLE DISPOSITIVE POWER   -  0
REPORTING
PERSON WITH                      10       SHARED DISPOSITIVE POWER  -  136,376

11   AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

     136,376

12   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES [ ]

13   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)

     1.9%

14   TYPE OF REPORTING PERSON

     PN

                               Page 4 of 10 pages
<PAGE>

CUSIP No.:  45807N109

1    NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

     Osmium Capital II, LP

2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
     (a) [ ]
     (b) [X]

3    SEC USE ONLY

4    SOURCE OF FUNDS

     WC

5    CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEM
     2(d) or 2(e) [ ]

6    CITIZENSHIP OR PLACE OF ORGANIZATION

     Delaware

NUMBER OF                        7        SOLE VOTING POWER   -  0
SHARES
BENEFICIALLY                     8        SHARED VOTING POWER   -  204,768
OWNED BY
EACH                             9        SOLE DISPOSITIVE POWER   -  0
REPORTING
PERSON WITH                      10       SHARED DISPOSITIVE POWER  -  204,768

11   AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

     204,768

12   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES [ ]

13   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)

     2.9%

14   TYPE OF REPORTING PERSON

     PN

                               Page 5 of 10 pages
<PAGE>

CUSIP No.:  45807N109

1    NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

     Osmium Spartan, LP

2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
     (a) [ ]
     (b) [X]

3    SEC USE ONLY

4    SOURCE OF FUNDS

     WC

5    CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEM
     2(d) or 2(e) [ ]

6    CITIZENSHIP OR PLACE OF ORGANIZATION

     Delaware

NUMBER OF                        7        SOLE VOTING POWER   -  0
SHARES
BENEFICIALLY                     8        SHARED VOTING POWER   -  81,968
OWNED BY
EACH                             9        SOLE DISPOSITIVE POWER   -  0
REPORTING
PERSON WITH                      10       SHARED DISPOSITIVE POWER  -  81,968

11   AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

     81,968

12   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES [ ]

13   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)

     1.2%

14   TYPE OF REPORTING PERSON

     PN

                               Page 6 of 10 pages
<PAGE>

ITEM 1.  Security and Issuer.

         The class of equity securities to which this Statement on Schedule 13D
(this "Statement") relates is the common stock, par value $0.003 per share (the
"Common Stock"), of Insure.com, Inc. (the "Issuer"), with its principal
executive offices located at 8205 South Cass Avenue, Suite 102, Darien, Illinois
60561.

ITEM 2.  Identity and Background.

         (a)-(c) and (f) The names of the persons filing this statement on
Schedule 13D (the "Reporting Persons") are:

         -Osmium Capital, LP, a Delaware limited partnership ("Fund I");

         -Osmium Capital II, LP, a Delaware limited partnership ("Fund II");

         -Osmium Spartan, LP, a Delaware limited partnership ("Fund III");

         -Osmium Partners, LLC, a Delaware limited liability company ("Osmium
Partners"); and

         -John H. Lewis, a United States Citizen ("Lewis").

         Osmium Partners serves as the general partner of Fund I, Fund II and
Fund III. Mr. Lewis is the managing member of Osmium Partners.

         Osmium Partners and Mr. Lewis may each be deemed to have voting and
dispositive power with respect to the shares of Common Stock held by Fund I,
Fund II and Fund III.

         The principal business of each of Fund I, Fund II and Fund III is that
of a private investment vehicle engaged in investing and trading in a wide
variety of securities and financial instruments for its own account.

         The principal business of Osmium Partners is providing investment
management services and serving as the general partner of Fund I, Fund II and
Fund III. Osmium Partners also manages other accounts on a discretionary basis.

         Mr. Lewis' principal occupation is serving as the managing member of
Osmium Partners.

         (d)-(e) During the last five years, none of the Reporting Persons have
been (a) convicted in a criminal proceeding (excluding traffic violations or
similar misdemeanors) or (b) a party to a civil proceeding of a judicial or
administrative body of competent jurisdiction and as a result of such proceeding
was or is subject to a judgment, decree or final order enjoining future
violations of, or prohibiting or mandating activities subject to, federal or
state securities laws or finding any violation with respect to such laws.

ITEM 3.  Source and Amount of Funds or Other Consideration

         The source and amount of funds (excluding commissions) used by the
Funds in making their purchase of the shares of Common Stock owned by each of
them in aggregate was $1,713,604 from working capital.

         The source and amount of funds (excluding commissions) used by Mr.
Lewis in making his purchase of the shares of Common Stock owned by him was
$2,075 from personal funds.

         One or more of the Reporting Persons effect purchases of securities
through margin accounts which may extend margin credit to the Reporting Persons
as and when required to open or carry positions in the margin accounts, subject
to applicable federal margin regulations, stock exchange rules and brokers'
credit policies. In such instances, the positions held in the margin accounts
are pledged as collateral security for the repayment of debit balances in the
accounts.

                               Page 7 of 10 pages
<PAGE>

ITEM 4.  Purpose of Transaction.

         On May 30, 2008, Osmium Partners sent a letter to the Board of
Directors of the Issuer, which, among other things, expresses disappointment
with the performance of the Issuer and recommends that the Issuer engage a
banker and immediately progress with a sale of the Issuer. A copy of the letter
from Osmium Partners is attached hereto as Exhibit B.

         All of the shares of Common Stock reported herein as being beneficially
owned by the Reporting Persons were acquired for investment purposes. Except as
set forth herein, none of the Reporting Persons has any plans or proposals that
relate to or would result in any of the transactions described in subparagraphs
(a) through (j) of Item 4 of Schedule 13D.

         Also, consistent with their investment purpose, the Reporting Persons
may engage in communications with one or more shareholders of the Issuer, one or
more officers or employees of the Issuer, one or more members of the board of
directors of the Issuer, and/or one or more representatives of the Issuer
regarding the Issuer, including but not limited to its management, operations,
business, results, plans, and prospects. The Reporting Persons may discuss ideas
that, if effected, may result in any of the following: the acquisition by
persons of additional Common Stock or other securities of the Issuer, an
extraordinary corporate transaction involving the Issuer, and/or changes in the
board of directors or management of the Issuer.

ITEM 5.  Interest in Securities of the Issuer.

         (a)      The Reporting Persons beneficially own:

                  (i)      Fund I directly owns 136,376 shares of Common Stock
                           representing 1.9% of all of the outstanding shares of
                           Common Stock.

                  (ii)     Fund II directly owns 204,768 shares of Common Stock
                           representing 2.9% of all of the outstanding shares of
                           Common Stock.

                  (iii)    Fund III directly owns 81,968 shares of Common Stock
                           representing 1.2% of all of the outstanding shares of
                           Common Stock.

                  (iv)     Mr. Lewis directly owns 500 shares of Common Stock
                           representing 0.007% of all of the outstanding shares
                           of Common Stock.

                  (v)      Osmium Partners, as the general partner of Fund I,
                           Fund II and Fund III, may be deemed to beneficially
                           own the 423,112 shares of Common Stock held by them,
                           representing 6.0% of all of the outstanding shares of
                           Common Stock.

                  (vi)     Mr. Lewis may be deemed to be the beneficial owner of
                           the shares of Common Stock beneficially owned by
                           Osmium Partners.

                  (vii)    Collectively, the Reporting Persons beneficially own
                           423,612 shares of Common Stock representing 6.0% of
                           all of the outstanding shares of Common Stock.

                  Each Reporting Person disclaims beneficial ownership with
                  respect to any shares of Common Stock other than the shares
                  owned directly and of record by such Reporting Person.

                  The percentages set forth in this response are based on the
                  7,068,160 shares of Common Stock outstanding as of May 2,
                  2008, as reported by the Issuer in its Quarterly Report on
                  Form 10-Q for the quarterly period ended March 31, 2008.

         (b)      Osmium Partners, Fund I and Mr. Lewis have shared power to
vote or direct the vote of and to dispose or direct the disposition of the
136,376 shares of Common Stock held by Fund I.

                               Page 8 of 10 pages
<PAGE>

         Osmium Partners, Fund II and Mr. Lewis have shared power to vote or
direct the vote of and to dispose or direct the disposition of the 204,768
shares of Common Stock held by Fund II.

         Osmium Partners, Fund III and Mr. Lewis have shared power to vote or
direct the vote of and to dispose or direct the disposition of the 81,968 shares
of Common Stock held by Fund III.

         Mr. Lewis has sole power to vote or direct the vote of and to dispose
or direct the disposition of the 500 shares of Common Stock held by him.

         (c)      The Funds engaged in the following transactions on the open
market with respect to the Issuer's Common Stock:

         Transaction       Number of        Price             Type of
         Date              Shares           per Share         Transaction
         ----------------------------------------------------------------
         3/28/08           100              $3.7588           Purchase
         3/31/08           300              $3.87             Purchase
         4/14/08           6,400            $3.80             Purchase
         4/14/08           6,400            $3.80             Sale

         Other than the foregoing, no transactions in the Common Stock have been
effected by the Reporting Persons in the last sixty (60) days.

         (d)      Not applicable.

         (e)      Not applicable.

ITEM 6.  Contracts, Arrangements, Understandings or Relationships With Respect
         to Securities of the Issuer.

         Not applicable.

ITEM 7.  Material to be Filed as Exhibits.

         Exhibit A - Joint Filing Agreement

         Exhibit B - Letter to Board of Directors of Issuer


                               Page 9 of 10 pages
<PAGE>

                                   SIGNATURE

         After reasonable inquiry and to the best of its knowledge and belief,
the undersigned each certifies that the information with respect to it set forth
in this Statement is true, complete and correct.

Dated:  June 2, 2008

        John H. Lewis
        Osmium Partners, LLC
        Osmium Capital, LP
        Osmium Capital II, LP
        Osmium Spartan, LP

        By: /s/ JOHN H. LEWIS
            ---------------------------------------
            John H. Lewis, for himself and as
            Managing Member of Osmium Partners, LLC




                               Page 10 of 10 pages
<PAGE>

                                  EXHIBIT INDEX


Exhibit A - Joint Filing Agreement

Exhibit B - Letter to Board of Directors of Issuer


<PAGE>

                                    EXHIBIT A

                             JOINT FILING AGREEMENT

         The undersigned hereby agree that the statement on Schedule 13D with
respect to the Common Stock, par value $0.003 per share, of Insure.com, Inc.
dated as of June 2, 2008 is, and any amendments thereto signed by each of the
undersigned shall be, filed pursuant to and in accordance with the provisions of
Rule 13(d)-1(k) under the Securities Exchange Act of 1934, as amended.

Dated:  June 2, 2008


        John H. Lewis
        Osmium Partners, LLC
        Osmium Capital, LP
        Osmium Capital II, LP
        Osmium Spartan, LP

        By: /s/ JOHN H. LEWIS
            ---------------------------------------
            John H. Lewis, for himself and as
            Managing Member of Osmium Partners, LLC
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.B
<SEQUENCE>2
<FILENAME>ex_b.htm
<DESCRIPTION>EXHIBIT B
<TEXT>
<HTML>

<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY>

<P ALIGN=center><FONT SIZE=2>EXHIBIT B<br><br>LETTER TO BOARD OF DIRECTORS OF ISSUER</font></p>

<P ALIGN=LEFT><IMG SRC=img001.jpg alt="(OSMIUM PARTNERS, LLC LOGO)">

<DIV ALIGN=RIGHT><FONT SIZE=2>388 Market Street <FONT FACE=SYMBOL SIZE=2>&#183;</FONT> Suite 920 <FONT FACE=SYMBOL SIZE=2>&#183;</FONT> San Francisco, CA 94111 <FONT FACE=SYMBOL SIZE=2>&#183;</FONT> 415.362.4485</FONT></DIV>

<DIV><HR SIZE=1 WIDTH=100% NOSHADE COLOR=BLACK></DIV>

<P ALIGN=RIGHT><FONT SIZE=2>June 2, 2008</FONT></P>

<P><FONT SIZE=2>Dear
Board Members,</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Osmium
Partners currently holds 5.9% of Insure.com&#146;s common stock.  The current CEO Bob Bland has had five years to
create, build, and sustain shareholder value and has failed shareholders in all
of the above.  </FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Under
Bob&#146;s leadership according to the most recent proxy, Insure.com has substantially
underperformed the market nearly every year over the last five years. The
Insurance index is up +75%, the NASDAQ is up +100%, while Insure.com shareholders
lost -5%, leading to staggering underperformance ranging between -80% to -105%
of what the company deems to be appropriate benchmarks.  Not only has Insure.com underperformed the
market for a consistent and prolonged time period but it also remains
substantially undervalued given recent market transactions. In light of the
CEO&#146;s inability to execute a strategy to create shareholder value for a
prolonged time period combined with the board&#146;s fiduciary duty to shareholders
we urge the board to immediately hire a banker and sell the company. </FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>These
results are in radical contrast to the success that competitors are currently
seeing. The time for outlandish promises, excuses, and resulting failures is up
and now should be the time for action. If no suitable buyer can be found, we
would urge the immediate termination of the CEO as he lacked and continues to
lack a strategy in our opinion to create value for shareholders. We will show
three exhibits of underperformance and poor judgment which should be more than
ample proof that we do not have the right leader for our valuable asset:
Insure.com. </FONT></P>

<P><FONT SIZE=2><B>Exhibit 1: </B></FONT></P>

<P ALIGN=CENTER><IMG SRC=img002.jpg alt="(BAR CHART)"></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=2><P ALIGN=LEFT STYLE='PAGE-BREAK-BEFORE: ALWAYS'></P><PAGE>

<P><FONT SIZE=2><B>Exhibit 2: </B></FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>In
November of 2006, Bob went on the road to meet with investors with the
following presentation: </FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2><B>Highlights from Insure.com 2006
Investor Presentation dated: November 6, 2006</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=100%>
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="90%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>Point
  1: &#147;Show our owners that we know what we are doing and that we can operate a
  profitable public company&#148; </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>Point
  2: &#147;Surpass the company&#146;s 1999 market cap valuation of $225 million by August
  2010 (note $25 million valuation as of Nov. 2006)&#148;  </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>Point
  3: &#147;Achieve and maintain 25% pre-tax profit margins while achieving 25%
  growth rate per year for each of the next 4 years through 2010&#148; </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>Point
  4: &#147;Vested management team members hungry for &#147;show me revenge&#148; and &#147;We badly
  want to run a profitable public company&#148; </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>Point
  5: &#147;No analyst coverage at present underscores underdog position&#148; </FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>Point
  6: &#147;How we intend to make this work: 1) Leadership 2) Teamwork 3) Discipline
  4) Execution&#148; </FONT></P>
</TD>
</TR>
</TABLE>

<P><FONT SIZE=2><B>Counter
Points</B></FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=100%>
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="90%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>Point
  1: Investors can make their own assessment of this statement.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>Point
  2: Insure.com needs to generate a return of +757% over the next 26 months to
  reach this stated goal.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>Point
  3: The Company will need to reach $26mn and $6.5mn in pre-tax profits in 2008
  to be on this projected trajectory, Thus far 2008 is off to a rough start: 1Q08
  revenue at $3.9mn and a loss of $512,000.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>Point
  4: The CEO might be hungry for &#147;show me revenge&#148; and &#147;badly want to run a
  public company&#148; however what has the CEO done to give shareholders any idea
  that he knows how to operate a business that in his words should run at a 25%
  pre-tax margins? The company has nearly a decade of losses with little improvement
  of reaching even basic targets he has set out to attain.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>Point
  5: There are very few analysts in our opinion that would be interested in covering
  a thinly traded company, with an erratic P&amp;L, and does not hold
  conference calls.</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>Point
  6: Investors can make their own assessment of this statement.</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=JUSTIFY><FONT SIZE=2>In
our opinion, nearly all of the CEO&#146;s decisions to drive shareholder value have been
unsuccessful.  Despite founding this
business the CEO is a minority shareholder with literally no public market
track record of success. I think it is more than safe to say that the CEO&#146;s actions
have not inspired any type of confidence and little hope can be relied upon to accomplish
the above stated goals. </FONT></P>

<P><FONT SIZE=2><B>Exhibit 3: </B></FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Take
a look at what Bob Bland has done and said over time: </FONT></P>

<P><FONT SIZE=2><U>2002 </U></FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>&#147;Our
belief...is that a self-directed insurance shopper exists and that online sales
of insurance will grow in popularity over the next 5 years&#148; </FONT></P>

<P><FONT SIZE=2>Results:
</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>NSUR
&#146;04A $15.9 &#146;08E* $19mn +19% (includes an acquisition of a company that had
$10mn in annual revenue) </FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>INSW
&#146;04A $14mn &#146;08E** $40mn +185%</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>EHTH
&#146;04A $30mn &#146;08E** $120mn +300%</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>*
Osmium&#146;s estimate</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>**
Company&#146;s stated guidance</FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=2><P ALIGN=LEFT STYLE='PAGE-BREAK-BEFORE: ALWAYS'></P><PAGE>

<P><FONT SIZE=2><U>2003</U></FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Bought
Lifequote, a profitable company with $10.3mn in revenue and not just any
company but in the CEO&#146;s words &#147;...(a) highly regarded marketer of term life
insurance...(sold by a team of 50 licensed agents) who are so skilled at their
craft that they close 30% of everyone who calls- exactly the kind of firm that
we wanted to hitch our wagon to.&#148; </FONT></P>

<P><FONT SIZE=2><U>2004</U></FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>&#147;2004
represents a frustrating step backwards... results were far short of plan&#148; </FONT></P>

<P><FONT SIZE=2>Results:
</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Insure.com
combined a company with $9.7mn in revenue with a net loss of $1.3mn with a
company that had $10.3mn in revenue and was profitable to get to a combined $15.9mn
in revenue with $1.8mn in losses. In other words, <U>what should have been a
company with at least $20mn in revenue and a much smaller loss or even a profit
resulted in a company where revenues declined 20% and losses increased at least
50%.</U></FONT></P>

<P><FONT SIZE=2><U>2005</U></FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>&#147;The
May 2004 asset acquisition of Life Quotes has not worked out as we had planned.&#148;
</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>&#147;....we
decided that the best course of action for our shareholders was to close the
Life Quotes sales office and consolidate all of our telephone sales and service
activities into our home sales center&#148; </FONT></P>

<P><FONT SIZE=2><U>2006</U></FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Home
office sales team &#147;... we are now approaching 50 licensed agents on premises to
service customers&#148; </FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Click
revenue in 2006 increased 172% to $5.5mn &#148;In 2007, our focus will remain on ...
growing our click revenues.&#148;  (Actual
results: click revenue plummeted -25% to $4.3mn the following year)</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>&#147;I
will point out that the quality of our people is better than ever and that our
associates are as excited as I to be here at Insure.com at this time,
especially now as the online insurance sector appears to be, at long last,
opening up for business for real. We are now very well positioned for what lies
ahead.&#148; </FONT></P>

<P><FONT SIZE=2><U>2007</U></FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>&#147;Insure.com
delivered much-improved financial performance in 2007.&#148; Results: Revenue growth
in 2007 was up +4.65% and the net loss was only .02 a share.</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>These
comments from Bob&#146;s annual letter clearly illustrate an ongoing pattern of
failure. For the first quarter of 2008 Insure.com reported -6% revenue growth combined
with a net loss of .07 a share. Given these statements it should come as no
surprise that the company has badly underperformed nearly any benchmark in an
era of peer success. </FONT></P>

<P><FONT SIZE=2><B>Exhibit 4: </B></FONT></P>

<P><FONT SIZE=2><U>Industry Transactions:</U></FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Answer
Financial was purchased for $71mn by White Mountain Insurance (purchased 42% of
the company out of Chap 11 for $30.2mn) with revenue of $8.2mn estimated in
2007 (or 8.66x Sales) (Revenue source: Hoovers.com) </FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Insureme
with $27mn in revenue sold for $65mn cash with potential for up to $85mn with
an earn-out. This implies a valuation of 2.6x sales taking the mid point of
these two figures</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2><U>Public Comparable Companies: </U></FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Ehealth
(EHTH) trades at 4.73x enterprise value/sales and 22.5x EV/EBITDA. With
projected  32% revenue growth.</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Insweb
(INSW) trades at .90x enterprise value/sales and 13.5x EV/EBITDA. With
projected revenue growth of 25%</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Insure.com
(NSUR) .94x sales and 32x EV/EBITDA results Revenue growth 2-3% without a
single year of historical GAAP net income profitability </FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=2><P ALIGN=LEFT STYLE='PAGE-BREAK-BEFORE: ALWAYS'></P><PAGE>

<P ALIGN=JUSTIFY><FONT SIZE=2><U>We believe a conservative valuation of Insure.com
is:</U></FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Insure.com
value $10-20 million+ (Domain names without operating businesses: Diamond.com
sold for $7.5mn, Funds.com sold for $10mn)</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Revenue
$19mn given the Insureme.com transaction sold for 2.66x sls w/out any NOL&#146;s we
think Insure is conservatively worth 1.5x sales= $28.5mn  (Insure.com has NOLs of $45mn+) </FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Cash,
Investments, Net Commissions rec $12.1mn </FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Total
value = $7.50+ vs. the current $3.60</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>In
our opinion, the domain name Insure.com holds great value to the insurance
industry and potential strategic buyers. The auto insurance carriers alone are
expected to spend $13 Billion+ on marketing to acquire new customers this year.
GEICO spent $700 million in marketing in 2007. Direct marketing expenditures at
White Mountain&#146;s Esurance have grown from $59.7mn in 2005 to $125.3mn in 2007.
Given the industry is moving more and more dollars online we believe there is
substantial value to an acquirer just for the domain name as a customer
acquisition tool not to mention the business. According to <U>www.highpayinggooglekeywords.com</U>
the key words on Google on a cost per click basis sell for the following: </FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=100%>
<TR style="font-size:1px">
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="5%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
<TD WIDTH="90%" VALIGN=TOP>
<P>&nbsp;</P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>life
  insurance quotes $22.23</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>auto
  insurance quotes $19.97</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=2>critical
  illness insurance $18.04</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P ALIGN=JUSTIFY><FONT SIZE=2>cheap
  term life insurance $17.66</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=2>cheap
  life insurance $17.45</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=2>health
  insurance temporary $16.60</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=2>cheap
  medical insurance $16.52</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=2>low
  cost term life insurance $16.49</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=2>life
  insurance quote $16.44</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=2>life
  insurance quote online $16.10</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=2>term
  insurance $15.81</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
</TR>
<TR>
<TD VALIGN=TOP>
<P><FONT SIZE=1>&nbsp;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT FACE=SYMBOL SIZE=2>&#183;</FONT></P>
</TD>
<TD VALIGN=TOP>
<P><FONT SIZE=2>auto
  insurance 15.81</FONT></P>
</TD>
</TR>
</TABLE>

<P ALIGN=JUSTIFY><FONT SIZE=2>These
key words are in the top 5% of all key words on a cost per click basis
according to the above source. Clearly there is substantial value and opportunity
to a strategic buyer to use Insure.com as a lead generation business. </FONT></P>

<P><FONT SIZE=2><B>Conclusion: </B></FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>Given
the above statements and actions in Exhibits 1-3, how in good conscience can
the board that represents all shareholders interests stand by and idly watch a
CEO who has delivered far more failures and very few successes continue to
flounder as opposed to pursuing an immediate sale at arguably twice the current
market valuation? The online Insurance industry is growing at enormous rates
and profitability while the current CEO struggles to deliver either. Exhibit 4
clearly shows there is an appetite in this sector for consumer facing online
insurance companies. The board has entrusted our valuable asset/brand to a CEO
who has failed shareholders for more than a sufficient period of time. </FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>In
conclusion, what more evidence does the board need that we have the wrong CEO:
extremely limited revenue growth for a prolonged period of time, high employee
turnover among agents, erratic profits/losses, a highly illiquid stock, massive
underperformance to the peer group in terms of valuation, revenue growth, and
profitability. Given these factors it is no surprise shareholders have seen a
decline in value over the last five years. These are shameful and unacceptable
results. Given the valuable assets and recent sales of similar businesses at
materially higher valuations the board has a fiduciary obligation to maximize
shareholder value. After five years of failed promises and massive under
performance we see no realistic hope to build shareholder value in the public
market going forward. We believe there are a substantial number of strategic
buyers that could realize significantly greater value of the strategic assets
that Insure.com possesses. Therefore, we urge the board to hire a banker and
immediately progress with a sale of the business.  </FONT></P>

<HR NOSHADE ALIGN=CENTER WIDTH="100%" SIZE=2><P ALIGN=LEFT STYLE='PAGE-BREAK-BEFORE: ALWAYS'></P><PAGE>

<P ALIGN=JUSTIFY><FONT SIZE=2>Bob
must understand that he is a minority shareholder that owns 28.3% of a public
company and we can only surmise that the other 71.7% of the shareholders must
be disappointed with the results he has delivered.  </FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2>We
believe it is reasonable that a strategic buyer could pay $6+ per share for
Insure.com given recent market transactions. However if this is not the case,
Bob should be replaced immediately and a new CEO should be appointed to create
value out of the assets the company currently possesses. Clearly the status quo
is not the answer.</FONT></P>

<P><FONT SIZE=2>Sincerely,
</FONT></P>

<P><FONT SIZE=2>John
H. Lewis <BR>
Managing Partner<BR>
Osmium Partners</FONT></P>

<P ALIGN=JUSTIFY><FONT SIZE=2><B><I>Certain factual and statistical (both
historical and projected) industry and market data and other information
contained herein was obtained by Osmium from independent, third-party sources
that it deems to be reliable.  However,
Osmium has not independently verified any of such data or other information, or
the reasonableness of the assumptions upon which such data and other
information was based, and there can be no assurance as to the accuracy of such
data and other information.  Further,
many of the statements and assertions contained herein reflect the belief of
Osmium, which belief may be based in whole or in part on such data and other
information.  This letter is not
intended to be, nor should it be construed or used as an offer to sell, or a
solicitation of any offer to buy, shares of Insure.com.  Osmium holds a significant stake in Insweb
Corporation. </I></B></FONT></P>

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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----