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The news and ideas magazine for the Independent Agents of United American and First United American Life Insurance Companies
November 2O15
COACH’S CALLCOACH’S CALLCOACH’S CALL
COMMUNICATIONS SUPERVISORKaley Lockaby
EDITORGay Falkowski
GRAPHIC DESIGNERJohn Begg
to update information for Summit or to submit news for the Editor’s page.
HOME OFFICE972-529-5085
FIRST UA315-451-7975
(Agent use only)
AGENT SERVICE CENTER 800-925-7355 or email
WEBSITES unitedamerican.com
unitedamerican.com/logon firstunitedamerican.com
firstunitedamerican.com/office
Published regularly by United American and First
United American Life Insurance Companies for the dissemination of information to their Agents.
Prior permission must be obtained from the Home Office
for reproduction or other use of material herein.
WRITE NEW BUSINESS FASTER AND EASIERGreat news! UA has developed new Life App-Packs to make writing new business faster and easier. Life App-Packs for Final Expense Whole Life and Juvenile Whole Life (UAI3176 and UAI3178 respectively) contain the application, HIPAA Authorization, bank draft form, state special forms, Applicant Acknowledgement form, and fax cover sheet, neatly wrapped in a four-color brochure. The Home Office copies of the forms are signed and returned to the Home Office with the application and the applicant keeps the rest of the booklet. Order Life App-Packs for your state using the Automated Supply Order Form on UAOnline (unitedamerican.com/logon).
UA’s Privacy and Disclosure Information booklet, UAPDI is no longer required with life applications UL14 or JUV14, provided the Applicant Acknowledgment Form and each state specific form from the Life App-Pack is completed, signed and submitted with the application.
ATTN: MONTANA AGENTSMontana’s Commissioner of Insurance has mandated a
“catch up” period for disability Medicare Supplement applicants who were enrolled in Medicare Part B prior to the 2013 requirement that extended Open Enrollment to those eligible for Medicare due to disability.
This is a one-time Open Enrollment from October 15 through December 7, 2015 for individuals who meet the following criteria:
y Those who were enrolled in Medicare Parts A and B due to disability PRIOR to October 18, 2013.
y Those who did not previously apply for coverage or were denied coverage (the applicant cannot have dropped another Medicare Supplement to take advantage of this Open Enrollment opportunity).
An applicant who qualifies for this “catch up” Open Enrollment will have pre-existing conditions waiting period waived. The applicant is eligible for all Plans offered in Montana.
Please contact Agency Service at 1-800-925-7355 or email [email protected] with questions.
LIFESTYLE ANNUITY RATEThe lifestyle annuity rate for November 2015 is 3.00%.
UNDERWRITING REMINDERSUnderwriting rules related to the forms/notices required at the time of application are in place to protect the applicant and the Agent. Applications submitted without the necessary forms/notices are placed in pending status until open issues are resolved. Policies cannot be issued for applications in pending status meaning commissions are not paid unless and until policies are issued. Please review the following key points related to new business submission and recent updates to new business requirements for life insurance applications to make sure your business is getting submitted quickly so you can get paid quickly!
y Always refer to the UA Compliance Sheet for the current requirements for the state in which the applicant resides and the application will be signed.
y Be sure the Home Office has your current email address for you to receive underwriting related memos via the quickest means possible.
y Refer to the Training and Products sections of UA General Agency Office (unitedamerican.com/logon) for more information.
CONGRATULATIONS TO SEPTEMBER WINNER Congratulations to September winner Chris Graham! His prize is a Daniel Steiger Alphagraph Watch.
“As a recent college graduate and new Agent, I am more than thrilled to be working with such a great company. United American has been supportive and supplied me with all the tools I need to be successful. I am looking forward to my future with United American.”
Chris Graham
WORDS OF WISDOM“Starting strong is good. Finishing strong is epic.”
~Robin Sharma
2 y November 2O15 y COACH’S CALL
*The Centers for Medicare & Medicaid Services: The September 2015 Monthly Enrollment by Plan file and The 2016 Crosswalk file.
FROM THE:
COACH’S CORNERCOACH’S CORNERAnyone who’s ever been in a football stadium as the scoreboard clock ticks down has felt the incredible energy that fills the air during the final moments of a close game. The crowd roars, players hustle, coaches run up and down the sidelines calling in plays — there’s nothing else like it. But I’d venture to say the last few weeks of AEP can come close, at least in sheer intensity, to those final football moments. Many of you know what it’s like to make a last big push, to hurdle over obstacles, and run up the score. AEP ends on Dec. 7. Are you starting to feel the rush? If so, use that momentum to drive your activity to a strong finish.
COACH’S CALLWhile you’re out there working hard in the field, UA ‘coaches’ are pulling out all the stops to give you every scoring advantage. Most recently, we’ve made an unprecedented move to help you write new business and maintain high persistency late in the game. New ProCare HDF Policyholders with a policy effective date October 1, 2015 and after, will only be required to pay $780 in out-of-pocket expenses of the $2,180 annual deductible amount during the remainder of 2015 before policy benefits are payable by United American. How’s that for incentive? We’ve made the call, now it’s up to you to get out there and make the big plays.
Another way UA offers sideline support is through our national advertising program. UA’s ads appear in some of the industry’s most esteemed and highly circulated publications – Broker’s World,
National Underwriter, and California Broker, to name a few. Such ads not only help UA increase credibility and brand familiarity, but they also assist Agencies bring in new recruits.
DIALING INOf course, it’s not all on us here in the Home Office. You’ve got to seek out coaching when you need help. Visit UA General Agency Office online and dial into the fantastic training opportunities available to you. We’re always coming up with new topics to help improve your performance during AEP and all year long. Our newest addition to the UA webinar series is an instructional presentation on screen sharing and how you can use this technology to sell remotely. Director of e-Applications Dave Oliver makes the process look easy. For a sneak peek, check out pages eight and nine of this issue.
Dave is a perfect example of the difference a great coach can make. For those of you who missed his memo on the seven common mistakes made when filing an application, we’ve shared them again in this issue. Don’t get tripped up by being careless when you’re barreling downfield.
YOU’VE GOT THISThe best coaches motivate their teams to play harder, and give more when they don’t think they’ve got anything left. I’ll leave you with a fact I hope will inspire you to run the best two-minute drill of your life. It starts with a number – 250,000*. That’s how many people will be dropped from their
Medicare Advantage plans beginning January 1, 2016, according to our latest statistics. 250,000! What an incredible opportunity you’ve been given. Step in and pick up the ball; show them how a UA ProCare Medicare Supplement Policy can fill their needs. As one of the greatest football coaches of all time, Tom Landry, once said: “A winner never stops trying.”
3 y November 2O15 y COACH’S CALL COACH’S CALL y November 2O15 y 3
Charles Mankamyer Senior Vice President / General Agents
WELCOME TOUNITED AMERICANAbbate, PeterAbron, CassandraAcevedo, GersonAcevedo, JonathanAcevedo, RuthAcosta, IsabelAdams, CrystalAdams, JemeelAhoia, PatriciaAlexander, GeraldAllen, JudithAllison, LindaAlvarado, LuisAlvarez, JoseAnaya, DanielAndrews, LaurenAnthony, LouisAppleby-Blome, ErnaAranda, BenjaminArnold, ChristopherArnold, FeliciaArnold, GeorgeArredondo, ElvaArtis, TraneceAsbell, StevenAshby, NelsonAugusta, FrankBacerra, LuvBailey, KathyBandy, SamuelBarcel, LarryBartsch, StephenBeck, AlanBelk, ReginaldBell, JuliaBellew, TiffanyBenefit Pro Insurance
Services, Inc.Bennese, DominickBennett, ShrarynBerman, ChristenBernhardt, ConnorBerrier, PhillilpBerry, WilliamBijapuri, ShakiraBillings, RobertBingham, BobbyBlacklidge, RaymondBlake, KarlaBlose, JamesBolaris, StephenBollinger, JudyBrady, TinaBramlett, DoreenBrinkman, MichaelBronson, MichaelBrooks, ValerieBrown, DariusBrown, DouglasBrown, HeatherBrown, LindaBrown, PaulBrown, RobinBrubaker, DavidBruns, PatrickBryant, KristinBudar, RichardBui, ElaineBurch, JamesBurgin, JoeBurgos, CarlosBurstein, IrvingBusby, DonaldByron, WilliamCabezzas, DonaldoCaffey, Joseph
Caldwell, JerryCamacho, GabrielCampana, JimmyCarlyle, JanieCarpenter, TyroneCastilla Sr., TulioChaffin, ThomasChalmers, JohnChambers, AlandoChang, KailiChaplin, MichaelChapman, MicheleCharles, JeanChavez, RigobertoChoi, EugeneChristensen, DavidChristensen, EunisClacks, JamesClark, HollyClark, MichaelClark, YolandaCoates, ThomasCollins, JosephCollor, DonaldComeau, SergeConte, StevenCopeland, AnneCopeland, JohnCordero, ArayansiCougill, CareneCourtney, PaliceCraig, ConstanceCroomes, OwenCruz, JamesCurtis, HermanCzornyj, JohnDagion, SherriDahdah, CheikhDang, NancyDavey, ChrisDavid, JerryDavila, ClistenesDavis, LavonneDavis, PamelaDavis, PamelaDavis, PamelaDavis, VanessaDecker, DeniseDempewolf, JohnDepp, BennieDidier, DavidDigennaro, AntimoDinin, MaxineDinsmore, DennisDipego, MichaelDisabato, JuliaDixon, KimberlyDonovan, JosephDorr, JacksonDraper, RonaldDubowy, GaryDuran, BrianDutter, PeterEatmon, ArnoldEddings, JenniferEdmondson, RobertEdmunds, LillyEliesen, LouEmerson, OrvilleErickson, AlanEvans, AriadnaEverett, JudithFaigen, StevenFeingold, CristinaFerguson, DeborahFerreri, LisaFinancial Technology, Inc.Findura, DeborahFinelli, Sandra
Finster, AprilFiscus, JasonFisher, BattleFisher, PaulFletcher, CameronFlowers, RobertFoertsch, SandraFrame, CherryFrancois, JeanFranklin, YvetteFranz, LawerenceFrohman, JulesFuhst, PaulaGaines, KevinGalicia-Lona, ElsaGallico, FredGalvan, HectorGarner Sr., RichardGata, FlorenceGaynor, MissyGhannam, JohnGhomghaleh, MozaffarGibb, DeloresGill, GreggGill, LauranceGlasgow, JosephGoldberg, MarkGoldin, BruceGorden, RonGraham, EmmettGrant, JeffreyGrigsby, JamesGunn, KevinGutow, StevenHailey, JamesHakli, KennethHall, AlysiaHammond, RudyHand, HaroldHankins, SandraHankins, TerryHanson, DarcyHarmon, StaceyHarrelson, TylerHarris, DouglasHarris, RonaldHartfield, LawrenceHarvey Ins Agency, Inc.Hawkins, StanleyHenderson, CornellHerard, NicodemeHerbst, WilliamHerzig Jr., WalterHiggins, JerryHoang, CuongHolliday, WayneHooper, StephenHowington, CarlHummel, RandyHutton, JamesIbarra, CarlaIreland, PamelaIzzo, GeorgeJacobson, TedJarvis, EdieJeffries, ReneeJoelson, InerJohnson, BjJohnson, BonnieJohnson, CynthiaJohnson, KenyonJohnson, MarkJones, ChristofferJorg, JohnJuarez, GriceldaKaczmarek, ThelmaKageff, ThomasKahler, RobertKanakaris, Mark
Kasabov, DavidKaserman, BruceKastel, BarryKaufman, JosephKeating, JosephKessel, PhillipKey, ConnieKikoen, DavidKim, ChangKinder, MargaretKingstone, MaisaKirshner, EdwardKnust, GaryKoch, MichaelKotick, ArnoldKraja, RuzdiKremer, JulieKrueger, DougKuforiji, OlubusolaKuzenko, WilliamKwon, SukLachance, RuthLadd, DavidLamdan, ShirleyLandry, BruceLaney, MailoanLangley, KennethLau, MarkLawson, JamesLedezma, AngelicaLee, ChengLee Jr., WilbertLee, SungLehman, MarkLeon, CharlesLeriger, DonaldLesh, RobinLesher, DonaldLevin Jr., DonaldLevin, DonaldLevine, StevenLewis, JackLiew, LaiLindemann, FasceLindquist, JohnLipper Jr., RobertLitvin, HarveyLively, HerbertLloyd, DavidLoczi, JuditLoftis, JamesLowe, RobertLuber, MalcolmLynch, JerryMaigarie, StanleyMalley, JeffreyMarks, JoanneMarlow, ScottMarsh, CarlingtonMarshall, TheresaMartin, AmarilysMartin, DanMartin, TimothyMartinez, GabeMason, LindaMcCoy, AzureeMcGriskin, JohnMcGruder, AnnamarieMcGuire, JeanMcKown, GeorgeMcMillon, ErickaMcNary, BarbaraMears-Morris, LisaMecham, KeithMedina, YuriMestan, JosephMiles, TroyMiliucci, DinoMilligan, Jerry
Mills, BriantMilton, TheresaMixon, TerryMondragon, JorgeMonterrey, RafaelMontiel, FerminMoss, RichardMuhler, KathieMurata, JaneMuriel, WilliamMurray, RobertMurray, WilloughbyNance, ClemenciaNaval, LolitaNelson, TamaraNgin, RichardNguyen, KenNguyen, LilyNixon, BenjaminNoll, EdwardOchoa, CesareoOkuns, NadineO’Neil, DavidO’Toole, RobertPabon, RosaPagliughi, RobinPatel, ManojPearson, HarriettePedram, JamshidPedroza, WilfredoPennington, JoshuaPerez, AlbertPersyn, RobertPeskoe, BrucePeters, DavePham, JohnPham, NguyetPham, SonPlageman, AdamPodjasek, BridgettePollock, EdwardPonce, ManuelPonce, MariaPowell, BrianPribish, AndrewPrice, JosephProfessional Mass
Marketing Int’L, Inc.Prossen, LawrencePyszka, MarkQuach, ThiRagle, BrianRahal, MustaphaRainbird, GloriaRaines, WalterRajora, ParitoshRamirez, RosalynRamirez, YvetteRamsubick, LloydRastegar, TinaRea, JamesRebholtz Jr., RobertReshard, LeroyRevell, ShelbyReynolds, EugeneRichmond, PaulRicks, ElliotRietzen, JohnRigaud, PatricioRightsell Jr., HowardRivera, OswaldRoberts Jr., DonaldRobinson, DavidRobinson, KayRock, TheodoreRogala, TomRoig, SethRoland, JerryRoncagliolo, Jean-Carlo
Rosenbaum, RobertRoss, BrianRoss, KennethRowell, JohnRubenstein, J.Rubman, JayRucker Jr., HubertRupani, RozinaRussell, AnthonyRussell, StanleyRutan, NathanielRydberg, DeborahSandoval, VeronicaSapp, CatherineSather, MarySavarese, AnthonySawyer, TimothyScallion, DavidSchau, IrvinScheer, GarySchmidt-Krebs, MarySchoen, AlanScott, DanielScott, LamarisScott-Price, SherriSenick, JasonSerrani, GarySexton, JohnSheikh, SaghirShoemaker, LarrySickles, JodellaSingh, BimleshSingh, TrilochanSirisant, PhilipSlaughter, ColleenSmith, AntoineSmith, BonitaSmith, CarolynSmith, DrenetteSmith, WinstonSmyth, CharlesSorce Jr., TedSoucy, JamesSowers, HarveySpence, MonicaStafford, GarryStaley, JosephStallings, LanceStewart Sr., LouisStiggers, KarenStoltz, DavidStoltz, MariaStorms, RobertStout, KathySublet, CynthiaSuerte-Felipe, VirgilioSwift, LawrenceSwoy, RichardSympson, MaryannTabb, RobertTalbot, DavidTaylor, AlvinTaylor, PamelaTennant, KathrynTeriet, FrankTew, SharaThielmann, JeromeThomas, FrankThomas, WilliamThommen, ThomasThompson, DavidThompson, FredThompson, LoriThomson, JamesTidland, TedfordTirona, ManuelTodd, MichaelTopinio, ReynaTottleben, William
Townes, StuartTran, KietTreadaway, RobertTremblay, GregoryTrester, EdwardTrujillo, JoseTrull, JaniceTsuzaki, GaryTurner, TerriUmanzor, KristenUmstead, AlanUpton, MarcusUttech, MichaelValdez, JosephValentine, VickyValenzuela, MarthaVanbaalen, HenryVassey, KellyVenable, BerniceVictor, WeinerVidal, ManuelVienne, FrancineViens, LarryVillafuerte, EdgarVillafuerte, LauraVitelli, MarkWallace, DennisWarren, CourtneyWatson, NatalieWatt, AlanWatt, CharlesWeitkamp, EricWeltin, MelissaWerner, MichaelWestbury, LarryWhite, AliciaWhite, RandallWhittlesey, AnnWilberforce, ArchieWilhelm, JamesWilkins, HenryWilliams, EdwardWilliams, RobertWilliams, VickyWilson Jr., MilphewWilson, TraciWilson, YolandaWinbush, DonaldWindes, FrankWood, JaniceWoodside, BettyannWright, SaundraWyche, CarolynWynn, YolisaYacoub, YacoubYork International
Agency, LLC.Young, Robert
FIRST UNITED AMERICANAlexander, RobinAltschuler, DavidBaptiste, WilfridBauter, KevinCatalano, RalphCreative Business
Solutions GroupDallo, GeralynDeluca, AnthonyDenezzo, RonEdwards, DennisFaurot-Pigeon, GalenGavin, ThomasGonzalez, YahairaHicks, HuldaIdrees, MarghoobIlic, DeborahJacobowitz, OdedJenners, JosephJohnson, AprilJohnson, EarlKaminska, GaryKhottavong, JimMaisonave, FernandoManetta, AnthonyMasterson, WilliamMcAdams, BarbaraMcDonald, PatrickMorgan, LeslieNorthern, TimothyO’Marra, ThomasReinstein, PhilipRenert, JordanRivera, MelvinRodgers, DavidRuggio, GinoScahill, ChristinaSchaible, RyanShafir, MichaelShaughnessy-Palmiter,
ColleenSilverio, MariaSoden, WilliamTesta, NicoloWeidenman, J. K.Werner, Roger
4 y November 2O15 y COACH’S CALL
October 15 – December 11 United American's Score Big AEP Incentive Contest is heating up! Are you in the game? AEP is the biggest Medicare season of the year and it’s a perfect time to increase your sales and earn one of four great prizes.
Contest DetailsWinners will consist of the top three Medicare Supplement insurance personal producers during AEP, Qualification period — October 15 through December 11*.
UAI3257A 0915
AEP INCENTIVE CONTEST
2 night trip to Dallas, Texas, 2 tickets to a Dallas Cowboys
football game, and dinner hosted by
Chuck Mankamyer
Randy White Autographed
Football Helmet
Randy White Autographed
Football
1ST PLACE
2ND PLACE
3RD PLACE
Rookie Award: An autographed Randy White football will also be awarded to the top First Year Agent in 2015 who writes the most Medicare Supplement business from October 15 – December 11.
Randy White is a paid spokesperson for United American Insurance Company. Contest is for existing, appointed United American Agents. Only personal production on Medicare Supplement Insurance business issued within the contest period (OCT. 15 through DEC. 11, 2015) will count towards the incentive. Contest not available to Washington State Agents or New York Agents. For First Place winners, UA will fly you and one guest to Dallas and pay for a two-night stay at a hotel chosen by UA. Does not cover meals charged to the hotel and/or hotel incidentals. Dinner will be hosted by Chuck Mankamyer and breakfast is included at the hotel. Transportation to and from the airport to the hotel and AT&T Stadium will be covered. Flights will be scheduled by UA following the contest end. The First Year Agent production incentive applies only to new Agents in their first year with the Company appointed after DEC. 11, 2014. Prizes awarded pursuant to this incentive to eligible winners are not transferable, redeemable for cash or exchangeable for any other prize. The NFL, Dallas Cowboys, and AT&T are not participants or sponsors of this contest.
*AEP ends Dec. 7 but the contest runs through Dec. 11.
5 y November 2O15 y COACH’S CALL COACH’S CALL y November 2O15 y 5
777TopCoach Dave's
Issues that Delay Application Processing
1 2 3 4
5 6 7
One of the big advantages of being on ‘Team UA’ is that your support crew always looks for ways to help you improve performance and increase production. For example, when Director of e-Applications Dave Oliver noticed applications were getting hung up because of certain, common issues, he made a list to share with Agents. As ‘Coach Dave’ notes, many of these issues can be avoided by using the iGO e-App®. It’s never too late in the game to attend an e-App certification webinar! Sign up at the UA General Agency Office website.
FAXING CHECKS INSTEAD OF MAILING
If the applicant elects bank draft, complete the necessary paperwork and submit the application on iGO e-App® or fax a paper application. If the applicant submits a premium check do not fax the application. Mail the paper application, along with the applicant’s check.
APPLICATIONS ARE TOO DARK OR LIGHT
Make sure the application is not filled out too dark or light. It will often be more distorted once it’s printed, and even more distorted when it’s scanned into the reader system.
INCORRECT APPLICATIONS
Use the correct form code. Double check the state code and determine whether or not a disability or overage application is necessary. This is very important. Again, using the iGO e-App® will ensure the application is completed accurately.
MISSING BARCODE, SCAN INDICATORS, AND APPLICATION BOXES
Anything that obscures or alters the barcodes or the boxes on the application can make the application unreadable. All barcodes must be visible and all pages must be received for applications to be processed.
MISSING APPLICANT SIGNATURES AND WHERE SIGNED INFORMATION The Home Office cannot process applications that do not have the city/state where the applicant signed the application and their signature.
APPLICATIONS RECEIVED WITHOUT INITIAL PAYMENT OR WITH ONLY A VOIDED CHECK
If premium is not received, the policy cannot be put in force. If the bank draft authorization is not submitted, the applicant cannot be set up for recurring payments.
MISSING OR INCORRECT AGENT INFORMATION
Agent information is critical for processing applications as well as giving proper credit for the sale. Three main areas must be completed:
y Agent number y Agent signature y Agent last name
If you don’t have an Agent number, don’t mark ‘pending’ in this section. The application will be submitted once you’ve been licensed and appointed. Using iGO e-App® will ensure applications are completed correctly.
777
PART V: AGENT CERTIFICATION
Initials of
Proposed Insured
APPLICATION FOR MEDICARE SUPPLEMENT INSURANCE * UNITED AMERICAN INSURANCE COMPANY
A LEGAL RESERVE STOCK COMPANY
AUTOMATIC PAYMENT PLAN AUTHORIZATION
All premiums may be automatically withdrawn from my account on MONTHLY mode,unless a different mode has been selected on the application.
Date Signature (as it appears on bank records)
ATTACH APPLICANT'S VOIDED PERSONALIZED CHECK HERETape, do not staple. Do not cover the Form ID in the lower right corner.
PLEASE READ BEFORE SIGNING AUTHORIZATION ABOVE:
As a convenience to me, I hereby request and authorize you to pay and charge to my account, checksor electronic debits drawn on my account by and payable to the order of the United AmericanInsurance Company, McKinney, Texas, provided there are sufficient collected funds in said account topay the same upon presentation. I agree that your rights in respect to each such check or electronicdebit shall be the same as if it were a check drawn on you and signed by me. This authority is to remainin effect until revoked by me in writing, and until you actually receive such notice I agree that you shallbe fully protected in honoring any such check. I further agree that if any such checks or electronicdebits be dishonored, whether with or without cause and whether intentionally or inadvertently, youshall be under no liability whatsoever even though such dishonor results in the forfeiture of insurance.
6208
Agent mails completed application and required forms to the home office:United American Insurance CompanyP.O. Box 8080McKinney, TX 75070-8080Fax: 972-569-3678 or 972-767-4462
, .
- -
Initials of
Proposed Insured
$ , .
APPLICATION FOR MEDICARE SUPPLEMENT INSURANCE * UNITED AMERICAN INSURANCE COMPANY
A LEGAL RESERVE STOCK COMPANY
6208
, .
- -
Initials of
Proposed Insured
$ , .
APPLICATION FOR MEDICARE SUPPLEMENT INSURANCE * UNITED AMERICAN INSURANCE COMPANY
A LEGAL RESERVE STOCK COMPANY
6208
- -
- -
- -
- -
Initials of
Proposed Insured
APPLICATION FOR MEDICARE SUPPLEMENT INSURANCE * UNITED AMERICAN INSURANCE COMPANY
A LEGAL RESERVE STOCK COMPANY
UAI2329 0612
6208
1214
J OE SM I T H
- -
- -
- -
- -
Initials of
Proposed Insured
APPLICATION FOR MEDICARE SUPPLEMENT INSURANCE * UNITED AMERICAN INSURANCE COMPANY
A LEGAL RESERVE STOCK COMPANY
UAI2329 0612
6208
1214
J OE SM I T H
✖ ✔ ✖
6 y November 2O15 y COACH’S CALL COACH’S CALL y November 2O15 y 7
REMOTE SELLINGREMOTE SELLINGCOACH CHUCK'S 4TH QUARTER CALL
MAKE IT YOUR NEXT GAME CHANGERTechnology isn’t the first word that comes to mind when you think of sports, but when you look at the big picture, technology can play a big factor in the game. Technology provides sports analysis for coaches and trainers, tracks the stats and activities of our favorite players during the game, and sometimes has a direct impact on the final score (think instant replays).
Technology can also be a game changer for your sales strategy. The technique UA uses is called screen sharing and it allows you to sell to individuals all over the country from the comfort of your home or office, using a practice known as ‘remote selling’.
WE’VE GOT YOU COVEREDWhile remote selling is nothing new, what is new is UA’s webinar ‘Remote Selling: Using Screen Sharing Effectively with our iGO e-App®’ presented by our Director of e-Applications, Dave Oliver.
In this live webinar Dave shows how easily you can use screen sharing to become successful giving presentations and closing sales. You’ll get tips on:
y Making the appointment
y Using the iGO e-App®
y Screen sharing programs such as GoToMeeting, Skype, Mikogo, join.me and Screenleap
y Projecting a professional image
y Content presentation
y Important reminders on verifying state sales regulations and product permissions
SCHEDULERemote Selling: Using Screen Sharing Effectively with our iGO e-App®
When: Every Friday (except Nov. 27) from now until Dec. 18, 2015.
Time: 10 a.m. – 11 a.m. Eastern 9 a.m. – 10 a.m. Central 7 a.m. – 8 a.m. Pacific
GET THE COMPETITIVE EDGERemote selling saves time and money, and keeps down the mileage on your car. It’s the most efficient way to sell. Less time on the road leaves more time for prospecting, writing more business, and last but certainly not least … making more money! Many of your prospective and existing clients will also enjoy the convenience of remote selling and the ease of a ‘non-invasive’ appointment.
MAXIMIZE YOUR OUTREACHWith the capacity to screen share, referrals are no longer confined by your geographic location. You can serve your clients’ friends and family who live in other parts of the country (provided they also have the needed technology and you're licensed and appointed, if required in the state). For potential clients wanting to find an Agent through someone they trust, you’re just a mouse click away.
DAVE OLIVER, DIRECTOR OF E-APPLICATIONS ON REMOTE SELLING:
Our Agents can now do business
with clients in any state without
traveling. When I was an Agent, it
would be nothing for me to drive an
hour, two hours, three hours, or even
sometimes more to do a single case,
turn around, and come back. The gas
money and the wear-and-tear of the
vehicle is one thing. But the more
important thing was the time aspect –
that non-productive driving time,
when I could have spent more time
prospecting or could have spent doing
more business. That’s what really cost
me the money – that’s the intangible
which is hard to see but is there.
“
”8 y November 2O15 y COACH’S CALL COACH’S CALL y November 2O15 y 9
2015 EAGLES
PRESIDENT'S CLUB TOP 30 LIFE GENERAL AGENTS
PACESETTERS CLUB TOP 30 LIFE WRITING AGENTS
AGENT NAME AGENCYYTD PRODUCTION
1 Jon Ahlbum The Ahlbum Insurance Group, Inc. $3,427,770
2 Mike Lemar Sunshine State Agency $1,448,913
3 William Borosak Jr. Secure Financial Group, LLC $1,287,878
4 Catherine Hatton Long Island Insurance Solutions $1,075,895
5 Edward Shackelford The Assurance Group, Inc. $978,287
6 Ray Stevens Stevens & Associates Insurance Agency, Inc. $945,945
7 Mark Graham AmeriLife - Career $715,083
8 Tim Ahlbum Health Coverage Solutions $694,784
9 Scott Mednick Professional Insurance Systems of Florida $647,093
10 Paul Sheldon, CLU, ChFC Paul Sheldon Insurance & Benefits Planning $629,772
11 Ron Concklin Rosenberg-Concklin, Inc. $615,144
12 Robert Wroblewski SOS Insurance Group $466,307
13 Devin Barta Barta Insurance Agency $445,129
14 John Clark Senior Solutions Insurance Agency $441,423
15 Donna Ahlbum Ahlbum Insurance Agency $360,276
16 Pierre Abadjian Abadjian Insurance Group $283,346
17 Kerry Sachs Secure Retirement Solutions, Inc. $280,149
18 Stephen Maisto Senior Health Care Solutions $274,768
19 Scott Schwartz Insurance Protection Services $270,576
20 American Eagle Consultants, Inc. $267,641
21 Joseph Maisonet Maisonet Insurance Agency $222,188
22 Fred Ulayyet Ulayyet Insurance Agency $200,989
23 Shawn Schroeder Jack Schroeder & Associates, Inc. $199,688
24 Centerstone Insurance & Financial Svcs. $199,601
25 Benefit Plans of America, Inc. $179,019
26 Paul Sweeney Quality First Insurance Agency, Inc. $176,140
27 Marc Zum Tobel Consolidated Insurance Group, Inc. $169,220
28 Nur Ahmed Ahmed Insurance Agency $157,148
29 Futurity First Insurance Group, Inc. $156,536
30 Christopher Graham, CLU Graham Financial Group, Inc. $150,253
AGENT NAME AGENCY
1 Sheldon Reid Reid Insurance Agency
2 Ensurity Group, Inc.
3 Owen Metts Metts Insurance Agency
4 Mark Graham AmeriLife - Career
5 Glen Doernberg Doernberg Insurance Agency
6 Rose Marie Rey Rey Insurance Agency
7 Ray Stevens Stevens & Associates Insurance Agency, Inc.
8 Mike Lemar Sunshine State Agency
9 Loren Olguin Olguin Insurance Agency
10 John Barberan Barberan Insurance Agency
11 Michael Reddy Reddy Insurance Agency
12 Randall Schnack Schnack Insurance Agency
13 Henry Vazquez Vazquez Insurance Agency
14 Benefit Plans of America, Inc.
15 Joseph Iannelli Iannelli Insurance Agency
16 Rita Livingston Livingston Insurance Agency
17 John Clark Senior Solutions Insurance Agency
18 Kayleigh Meshil Meshil Insurance Agency
19 Taiwana Hixon Hixon Insurance Agency
20 James Craig Craig Insurance Agency
21 Lee Jernigan Jernigan Insurance Agency
22 Tim Doyle Doyle Insurance Agency
23 Patricia Campbell Campbell Insurance Agency
24 Andrew Whelan Whelan Insurance Agency
25 Michael Stevens Farm & Ranch Healthcare, Inc.
26 Dennis Murphy Murphy Insurance Agency
27 Deborah Walker Walker Insurance Agency
28 Glenn Fuller Fuller Insurance Agency
29 Neal Stacy Stacy Insurance Agency
30 Thomas Taylor Taylor Insurance Agency
AGENT NAMEYTD PRODUCTION
1 Paul Sheldon, CLU, ChFC $629,772
2 Tim Ahlbum $420,689
3 Kerry Sachs $296,469
4 Scott Schwartz $270,576
5 Devin Barta $240,859
6 Timothy Rush $234,163
7 Ray Stevens $231,767
8 Christopher Graham, CLU $224,089
9 Lisa Rosati $220,593
10 Brian Gilbert $219,487
11 Jason Stevens $216,411
12 Edward Catron $210,809
13 Fred Ulayyet $200,989
14 Eugene Ranney $199,562
15 Joseph Jaffe $184,116
16 Jon Ahlbum $176,795
17 Dexter Saylor $171,086
18 Catherine Hatton $167,740
19 Beverly Kingsley $166,576
20 Peter Gratzon $161,463
21 Beth Branch $142,568
22 Aaron Gordon $138,166
23 Darrin Dibisceglie $138,027
24 Michael Woodard $137,987
25 Robert Holzman $127,802
26 Vincent Abbatiello $127,672
27 Xiomara Ottovegio $123,852
28 Stephen Maisto $122,965
29 Jackson Edwards IV $119,981
30 Dani Chard $119,740
AGENT NAME
1 Bryan McGhee
2 Owen Metts
3 Glen Doernberg
4 Grace Evans
5 Rose Marie Rey
6 Arline Loux
7 John Barberan
8 Michael Reddy
9 Edward Brownlee
10 David Miller
11 Bertha Reed
12 Frederick Menslage
13 Victor Cabrera
14 Rita Livingston
15 Fito Menard
16 Taiwana Hixon
17 Jennifer Jelks
18 Vincent Abbatiello
19 James Craig
20 Lee Jernigan
21 Tim Doyle
22 Patricia Campbell
23 Andrew Whelan
24 Dennis Murphy
25 Larry Brooks
26 Deborah Walker
27 Glenn Fuller
28 Edward Cody
29 Fredric Hissong
30 Igor Spasojevic
1
2
3
5
4
1
2
3
5
4
Jon Ahlbum The Ahlbum Insurance
Group, Inc. $3,427,770
Mike Lemar Sunshine State Agency
$1,448,913
William Borosak Jr. Secure Financial
Group, LLC $1,287,878
Catherine Hatton Long Island Insurance
Solutions $1,075,895
Edward Shackelford The Assurance Group, Inc.
$978,287
Ray Stevens Stevens & Associates
Insurance Agency, Inc. $945,945
Tim Ahlbum Health Coverage
Solutions $694,784
Scott Mednick Professional Insurance
Systems of Florida $647,093
Ron Concklin Rosenberg-Concklin, Inc.
$615,144
Devin Barta Barta Insurance Agency
$445,129
Eagles Club is an elite group of Agency leaders representing the best of United American and First United American.
Through October 2015, these top producing General Agents and Agencies have the highest net combined annualized premium. They qualify to attend the annual Convention based on Company production and retention requirements.
Through October 2015, these top producing General Agents and Agencies have the highest net life annualized premium. They qualify to attend the annual Convention based on Company production and retention requirements.
Through October 2015, these top producing Writing Agents have the highest net life annualized premium. They qualify to attend the annual Convention based on Company production and retention requirements.
Through October 2015, these top producing Writing Agents have the highest net combined annualized premium. They qualify to attend the annual Convention based on Company production and retention requirements.
LIFE
10 y November 2O15 y COACH’S CALL COACH’S CALL y November 2O15 y 11
CONVENTION
it’s your JOURNEY
FUN IN THE SAND
#UACONVENTION2016
WH
AT Y
OU
NEE
D T
O Q
UA
LIFY
IF
YO
U A
RE A
GEN
ERA
L A
GEN
T:
MONTH LIFE ONLY HEALTH ONLY COMBINED
$180,000 NAP $350,000 NAP $350,000 NAP
JAN. $15,000 $29,167 $29,167
FEB. 30,000 58,333 58,333
MAR. 45,000 87,500 87,500
APR. 60,000 116,667 116,667
MAY 75,000 145,833 145,833
JUNE 90,000 175,000 175,000
JULY 105,000 204,167 204,167
AUG. 120,000 233,333 233,333
SEPT. 135,000 262,500 262,500
OCT. 150,000 291,667 291,667
NOV. 165,000 320,833 320,833
DEC. 180,000 350,000 350,000
WH
AT Y
OU
NEE
D T
O Q
UA
LIFY
IF
YO
U A
RE A
WR
ITIN
G A
GEN
T:
MONTH LIFE ONLY HEALTH ONLY COMBINED
$100,000 NAP $150,000 NAP $150,000 NAP
JAN. $8,333 $12,500 $12,500
FEB. 16,667 25,000 25,000
MAR. 25,000 37,500 37,500
APR. 33,333 50,000 50,000
MAY 41,667 62,500 62,500
JUNE 50,000 75,000 75,000
JULY 58,333 87,500 87,500
AUG. 66,667 100,000 100,000
SEPT. 75,000 112,500 112,500
OCT. 83,333 125,000 125,000
NOV. 91,667 137,500 137,500
DEC. 100,000 150,000 150,000
Hyatt Ziva ✿ Los Cabos, Mexico ✿ juNE 22-25, 2016
Agents who contract after Feb. 1, are prorated for Convention qualification. For example, contract in March and the Agent life/health requirement is 10 months or $125,000 of combined NAP. Minimum NAP for an Agent who contracts in June is six months or $75,000
combined NAP. Agents must be contracted and produce at a six-month minimum production level to be eligible for Convention.
