Aptus Corp
1127 Broadway Plaza, Suite 203
Tacoma, WA  98402

September 4, 2003



Dear Mr. Paul


Aptus, Corp., (APTUS) a corporation incorporated pursuant to the laws of the
State of Delaware, is pleased to outline the general terms and conditions of its
intent to enter into a proposed asset purchase agreement transaction with Qwik
Quote Inc., (QQI) its subsidiaries, or affiliated companies The following is an
outline of the material terms and conditions of the Transaction.


CALCULATION OF PURCHASE PRICE:

QQI will agree to sell all of the assets pursuant to an Asset Purchase Agreement
(the "Agreement") based upon a purchase price of $300,000. The Agreement shall
contain standard representations, warranties, indemnities and conditions to
closing (the "Closing").


PAYMENT OFPURCHASE PRICE:

The purchase price shall be paid as follows: (1) $90,000 payable in cash upon
closing (2) $210,000 in common stock. Rights and preferences to be detailed in
the Definitive Agreement.

ASSETS ACQUIRED:

Accounts receivable, inventory, PP & E including all computer hardware and
software used in the business customer list, phone number, trade name(s) or
company name(s) used by QQI,

LIABILITIES ASSUMED:

None.

TRANSITIONARY

PERIOD:

Upon closing, the operations of QQI will have been transitioned to APTUS such
that billing, collections, customer service, etc. will be handled by APTUS's
employees in Washington. The back end systems will be integrated so that
customer billing will be integrated with APTUS's backend system. Seller will
take responsibility with our input to develop and distribute material to
existing customers and notify them of the transaction to effect a smooth
transition of the customers to APTUS. APTUS will retain all sales staff for a
period of no less than 1 year.


CLOSING DATE:

The Closing of the legal documents will be as soon as possible, but no later
than December 1, 2003 (the "Closing Deadline").


DUE DILIGENCE:

QQI and APTUS will commence its due diligence review as soon as reasonably
practicable. Other investigative efforts may include in-depth review of legal,
operational, technological, intellectual property and human resources matters
relating to QQI, as well as any other matters that APTUS deems appropriate. QQI
will give APTUS and its representatives reasonable access to all information,
records, facilities, and employees of QQI.


REPRESENTATIONS AND WARRANTIES:

The Agreement will contain standard representations and warranties for a
purchase agreement of this type, and company prepared financial statements
ending December 31, 2003 and August 31, 2003, that it represents accurately
reflect its results of operations and financial position for the periods then
ended.

INTERIM PERFORMANCE:

From the effective date until the Closing Date, QQI will carry on its business
in the ordinary course and in substantially the same manner as currently being
conducted. No significant changes in operations, such as significant increases
in staffing, salaries, or other key costs of doing business, or capital
expenditure, will be made in excess of $25,000 with out the prior written
consent of APTUS. QQI and its affiliates will use their collective best efforts
to preserve intact QQI's business organization, employees, operations, goodwill,
customers and others with whom it has business relationships.


PUBLIC DISCLOSURE:

Any press release or other public disclosure of information regarding the
proposed transaction (including the negotiations with respect to the Transaction
or the existence of this Letter of Intent) will be prepared jointly by QQI and
APTUS and cannot be announced by either party without the consent of the other,
other than as required by applicable securities laws. Neither APTUS or QQI
shall, nor permit their respective officers, employees or affiliates to, make
any disclosure concerning the proposed Transaction or negotiations between QQI
and APTUS without the other party's prior written approval, other than as
required by applicable securities laws.



EXPENSES:

Each party shall bear its own expenses incurred by it including but not limited
to fees and disbursements to consultants, financial advisors, counsel and
accountants in connection with the matters contemplated hereby.

LEGAL EFFECT:

This Letter of Intent is intended to serve as a statement of the current
intentions of the parties and as a guide to counsel in drafting the Agreement.
This Letter of Intent is not to be considered in a complete integration of any
agreements or to create any binding obligations on either party hereto. The
obligations of the parties under this Letter of Intent shall be construed in
accordance with the laws of the State of Washington, without regard to its
principles of conflicts of laws.

CONDITIONS PRECEDENT:

Transaction must be approved by QQI's Board of Directors prior to closing.



       IN WITNESS WHEREOF, the parties hereto have caused this Letter of
Intent to be executed as of this _4th______ day of September 2003.


Qwik Quote, INC.




By:/s/ Glenn Paul
Glenn Paul, CEO



Aptus, Corp.


By:/s/ John P. Gorst
John P. Gorst, President