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The news and ideas magazine for the Independent Agents of United American and First United American Life Insurance Companies
A New Beginning
January 2O15
DIRECTOR OF MARKETINGChristie Gibson
CONTENT SUPERVISORKaley Lockaby
EDITORSRoberta Boyd King
Gay Falkowski
GRAPHIC DESIGNERJohn Begg
to update information for Summit or to submit news for the Editor’s page.
HOME OFFICE972-529-5085
FIRST UA315-451-2544
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.
ATTN: PROCARE RATE APPROVALS IN AL, DE, DC, ID, NC, ND, AND SCAs previously announced, UA received new 2015 rate approvals for ProCare Medicare Supplement plans in Alabama, Delaware, District of Columbia, Idaho, North Carolina, North Dakota, and South Carolina.
The new business effective date is Feb. 1, 2015, in all states, except Alabama and Idaho, where both the new business and renewal effective date is Feb. 15, 2015.
The renewal effective date is Feb. 1, 2015, in Delaware, District of Columbia, and North Dakota.
The renewal effective date is Feb. 3, 2015, in North Carolina and Feb. 7, 2015, in South Carolina.
Not all plans apply in all states.
ATTN: PROCARE RATE APPROVALS IN NYAs previously announced, First UA received new 2015 rate approvals for ProCare Medicare Supplement plans in New York. The new business and renewal effective dates were Jan. 15, 2015. A new Area 5 has also been approved for ZIP codes 11200-11299.
ATTN: WHOLE LIFE APPROVALS IN AK, CT, FL, KY, ME, MD, NC, SC, TX, VT, AND WYAs previously announced, United American received approval for sale of UA’s Final Expense Whole Life product for issue ages 50 to 80 in Alaska, Connecticut, Florida, Kentucky, Maine, Maryland, North Carolina, South Carolina, Texas, Vermont, and Wyoming.
ATTN: JUVENILE WHOLE LIFE APPROVALS IN AK, CT, DC, FL, KY, MO, NE, NH, NM, ND, OH, OK, SC, WV, AND WYAs previously announced, United American received approval for sale of UA’s Juvenile Whole Life product for issue ages 0 to 18 in Alaska, Connecticut, District of Columbia, Florida, Kentucky, Missouri, Nebraska, New Hampshire, New Mexico, North Dakota, Ohio, Oklahoma, South Carolina, West Virginia, and Wyoming.
Please contact Agency Service at 1-800-925-7355 or email [email protected] with questions on any of the above approvals.
ATTN: ALL UA/FIRST UA GENERAL AGENTSAs previously communicated, the iGO e-App® has been enhanced with a new e-Sign feature. It provides Agents the convenience of e-signing directly from their ‘My Cases’ dashboard. When all required consumer e-Signatures are collected, the e-Sign action appears in the corresponding case’s ‘Case Actions’ menu. Once the e-Sign action is selected,
the Agent is seamlessly transitioned to the e-Signature screens and can review all required information and sign electronically. The e-Signature process itself has not changed.
The e-Sign case actions are available in addition to the traditional e-Signature email notifications. The new e-Sign case action applies only on non face-to-face applications.
Please contact Agency Service at 1-800-925-7355 or email [email protected] with questions.
CODE OF BUSINESS CONDUCT & ETHICSTorchmark and its affiliates are committed to maintaining a business atmosphere and working environment based on honesty, fair dealing, and sound business ethics. Please review The Torchmark Corporation Code of Business Conduct and Ethics by logging into the UAGA/First UA Agent websites and clicking the ‘Code of Business Conduct and Ethics’ link on the right side of the page. This Code of Conduct expresses the standards of integrity and business conduct that all Company directors, officers, employees, and independent contractors must uphold and follow. The Code is provided to help you understand what the Company expects of you and should be read carefully.
WAY TO GO, NOVEMBER GARMIN WINNER THOMAS PAYANT!
GOOD JOB, JONATHAN!“Jonathan (Vall), thanks for the webinar today. I have sold Med-Supps for years and NEVER understood the advantage of High Deductible Plan F. Now I understand.”
~ Agent James Wittke
INTEREST RATES SET The Lifestyle Annuity rate for Jan. 2015, is 3.00 percent. Rates are reviewed and adjusted accordingly. The Deposit Fund Rider new business interest rate for 2015 is 3.00 percent.
WORDS OF WISDOM
“Nothing is predestined. The obstacles of your past can become the gateways that lead to new beginnings.”
~Ralph Blum
2 January 2O15 A New Beginning
Source: https://www.google.com/?gws_rd=ssl#safe=active&q=What+does+%27pie+in+the+sky%27+mean%-
A New Beginning ...I love this time of year. It’s a new year and a new beginning. It’s the time of year when disappointments of the past can be put behind you, and you can look to the future with hope and confidence. Anything and everything becomes possible again. Life is good, and you have the opportunity to make this year the best year of your life.
Change is good!It may sound a little ‘pie in the sky’ … you know, something pleasant to contemplate, but very unlikely to be realized … but it isn’t. You can look to the future and create a better one when you are willing to do things differently than you have done in the past.
I believe change is almost always a good thing. Consider changes our Companies have experienced in the past few years:
� Tremendous growth in the number of UA/First UA Agents appointed
� Major growth in our Home Office staff, in particular our Recruiters, Directors, and Trainers
� Additional webinars and live seminars
� Development of the e-App for Medicare Supplement sales
� Automated Appointment System � Online Supply Order Form � New Whole Life Products
� Updated websites � Increased Social Media interaction � Extension in Agent Services hours
These changes have led to a substantial increase in recruiting and sales for UA and First UA, and I believe it will only get better as the year progresses.
What’s your resolution?One of my resolutions for 2015 is the same as it’s been for several years. I want to spread the UA/First UA opportunity to as many Agents as I possibly can. I want to spread the value of our ProCare Medicare Supplement insurance plans, our cancer plans, our accident plans, and our critical illness plan to both Agents and customers. But I’ve expanded my professional resolution for 2015. I want to make United American a household name when it comes to quality life insurance products, just the way we have for Medicare Supplements.
Many insurers focus almost exclusively on the under age 65 market for life sales – young families and individuals starting their professional lives. Life insurance is important at any age, but insurers have not pursued the Senior market to the same degree. United American is changing that with our new Whole Life for Final Expense policy. Available for issue ages 50-80 in most
approved states, this whole life policy was created to fill a void that's existed for too long in the Senior market. Our new Juvenile Whole Life policy addresses another segment of society often neglected in terms of life sales – children and young people, ages 0-18.
Original Medicare, a quality Medicare Supplement, and appropriate life products help create a safety net for Seniors and gives them the protection they need to deal with any eventuality.
You have only a few days left in the Medicare Advantage Disenrollment Period. Make the most of them! There are thousands of Seniors across the United States still waiting for you to knock on their door. Then get ready for the best year of your career!
3 January 2O15 A New Beginning A New Beginning January 2O15 3
Charles Mankamyer Senior Vice President / General Agents
THANK YOU FOR JOINING THE UA/FIRST UA FAMILY. PREPARE TO UNLEASH THE POTENTIAL OF YOUR NEW BEGINNING!
UNITED AMERICANAbdallah, NasiymaAbramyan, IsabelAguilera, Anthony A.Alaniz, Michael E.Ali, Akbar A.Allenbright, MarloweAmes, Richard B.Anderson, PrestonArmstrong, YanaArreola, MarinaArtiga, Lily H.Aubrey, GeraldAverill, James D.Bacon, Jaime M.Badyna, MartinBarnes, HaroldBarton, Russell H.Bartz, CliffordBaxley, JeffreyBelliveau, Scott T.Beltran, CarlosBeltran, Harry W.Ben, LillieBender, Joel L.Bender, Ronald J.Bender, TimothyBlack, Kent J.Bodin, EdwardBohm, KeithBongiovanni, Terry D.Booth, Gayle A.Botti, BethBoyd, ScottBrady, KennethBranstiter, Harold D.Brashear, Faith H.Brooks, Donald E.Bulloch, WilliamBurda, RaymondBurns, Tommy H.Butschek, KennethBynum Cathcart, DonnaCaldera, MarianelaCalrima Senior Services & Insurance Solutions, Inc.Campbell, Heather E.Cannon, Charlotte A.Carrico, RitaCarrier, James G.Carvo, Andrew M.Castaldi, Matthew W.Catalano, PeterChamberlain, OliverChamberlin, Olin M.Chester, David E.Christensen Management Services, Inc.Cisneros, EduardoClark, Michael W.Clark, Steven P.Claycomb, Lisa G.Collis, James A.Conrad, Edward J.Conrad, SuzanneCooper, Regina F.Crawford, Robbin
Cross, Danny W.Croy, James A.Cunningham, Miles H. Sr.Curtis & Associates Financial Services, Inc. Dahlke, Brian W.Davis, Michael M.Davis, Ronald F.Dawson, KnowlanDe Leo, Patricia A.Deese, Gary L.Dortch, Frank A.Doss, WillieDougherty, Daniel T.Douglas, Alan G.Duchscher, Walden J.Dunlap, Vaughn W.Duque, Nora N.Eaton, AndrewEchols, John H.Educator Group Plans Insurance Services, Inc.Eikanger, John R.Esparzo, JohnFarrell, Richard T.Fawell, Sharon R.Fayen, Thomas P.Fields, Robert L.Fiscal Funding, Inc.Fleischer, David A.Foster, CharlesFranco, KimFranzini, Irene A.Garcia, Allen W.Geyer, Kasey N.Gideon, AugustineGoodwin, Thomas Jr.Gravitt, Michael W.Gross, StephenGuilfu, FrancheskaGulley, Judy K.Haddadin, RolaHafif, IsaacHallberg Insurance Network, Inc.Harmel, Janet L.Harper, CarrollHarris, Brian T.Harrison, Houston R.Havard, Cheryl G.Hay Magdaleno, SandraHayden, John W.Heckelmoser, KarlHector, JoanHeim, John A.Helfrich, Daniel W.Hellerud, WendyHenton, WilliamHicks, Larry D.Hinojosa, Jose C.Hoppe, Leroy T.Horner, Richard A.Hurt, Gary R.Husson, DavidJackson, Samuel L.Jimenez, Jose L.Johnson, Mark
Johnston, Julie A.Jordano, KeithJoslen, TimKaplan, Barry L.Kasper, George K.Kennedy, Bruce S.Kerr, Ryan W.Kettler, FredKhan, Sardar K.Khountham, Kristeen D.Kimbrough, MistyKirk, RoyKnight, Etheridge R.Koehler, Craig R.Kohler, Raymond L.Kroll, Eric A.Kuiawa, DeborahLacey-Gray, Mary AnnLadyman, Cindy B.Landsberg, DebraLanham, JamesLantefield, John V.Lazaro, Deborah S.Leckliter, John A.Lee, Christopher M.Leech, Terry G.Leroy, TiffanyLessert, Crystal D.Lichtenstein, Gary M.Linford, John D.Longland, Michael B.Lovette, MelvinLynn, Bruce W.Mack, James A.Madamba, Joan V.Magalhaes, Ana V.Malabad, ErnestoMandl, MaryMarcano, AvaMaribona, Francisco P.Martina, William P.Martinez, MariaMcCabe, Edward O.McCarthy-Hewitt, ErinMcCoy, Jordan A.McKibben, Thomas R.McMahan, DarrenMcMahon, Al D.McNamara, Michael T.Menard, FitoMensah, AlbertMeyers, Timothy J.Miller, Jeffrey A.Miller, Ward L.Mirkamali, SamMitchell, GayleMompoint, AlexMontoya, Valerie R.Moranz, Edward R. IIIMoscevsky, VladimirMoses, JamesMunoz, Zoila E.Mydell, Tonia C.Mysliwiec, Larry J.Nestler, Steven E.New Horizon Insurance Agency, Inc.Nguyen, Robert
Ollek, LarryOlsey, Kathleen B.Ongoto, Roger M.Orujyan, TigranOstrem, Adam T.Page, Robert P.Pamplona, Alfredo E.Patel, VasavdattaPatterson, David L.Patton, Jesse A.Paulino, Juan M.Pearce, Julie J.Pedzich, ThaddeusPerez, Elena C.Perez, GilbertPhillips, Billy D.Phillips, Roger W.Phlamm, James D.Pickell, Herbert L.Pike, JackPirapakaran, SamPlata, Rick E.Plauche, Tom E.Polzer, Joseph D.Porter, Lanny G.Pottinger, WinsomePreyer, LatoriaPucci, KatyaPuente, RicardoPulisciano, PatriciaPulley, Richard E.Putrino, Amy C.Quinones, ElsieQuintero-Chica, S. MichelleRaddjam, Amir M.Rascoe, Kevin W.Richards, Charles G.Richardson, HarveyRieck, JoelRoa, Alberto I.Roberts, Christina L.Robinson, Tevi D.Rosales-Phipps, BernardaRoyston, TheodoreRue, Gerald G.Saenger, Fred O.Salameh, IntesarSamuel, RubinaSarver, Joan Q.Schenck, CharlesSchiessl, GeorgeSchoomaker, PaulScott, Edward H. Jr.Scott, Clint L.Scrivner, Robert L.Senior Benefits SolutionsShamberger, Robert L. Jr.Shea, StephenSmith, GloriaSmith, JamesSmith, ValerieSoler, LuisaStevens, RogerSt-Germain, WilhelminaStille, Benjamin G.Strimel, AnthonySturm-Chomout, Katherine M.
Suarez, PatriciaSutton, CassandraSwager, GertieSylvester, OlgaTate, Melody K.Taylor, PatrickThompson, Alvin E.Tommarello, Carlo J.Turner, Benny M.Urban, RobertVangemert, Kenneth A. Jr.Vick, PhillipVillanueva, AraceliVincent, ChadVirden, GailVong, Doc V.Walters, Benjamin L.Watkins, Elbert R.Watson, Carol H.Weeks, Thomas M.Wells, Kim E.Westchester Benefit Group, Inc.Wharton, James R.Wheeler, Robert D.White, Antonio D.White, Diane C.Willard, SusanWillett, KevinWilliams, Arkisha R.Williams, Bart D.Williams, JulieWitting, Pirkko H.Woods, Michael L.Worsham, DoloresWorthy, Thomas F.Wright, EvangelineWright, Keith A.Wright, Marty J.Xanthaky, George S.Xavier Da Silva, Paulo A.Yasika, Shawn M.Young, Monica L.Zummo, Matthew C.
FIRST UNITED AMERICANBernstein, Scott L.Gotay, MadelineHarris, ShawandaMaranca, AnthonyMena, HarryMoscato, Edward C.Oliver, Roslyn D.Rateb, AlReimers, Yoan M.Williams, MariiaZayas, Victor
4 January 2O15 A New Beginning
The in San Jose del Cabo, Mexico, is the epitome of luxury, where you can pamper yourself and your guest. Swim, walk on the beach, play golf, shop, sightsee … indulge your every whim. Create memories that last a lifetime at Convention 2016!
June 22–25, 2016#UAConvention2016
5 January 2O15 A New Beginning A New Beginning January 2O15 5
EXPLORE
LIFE!
BE OPEN TO LIFE IN
2015!
No Cost Offer Med Facts Kit Print Ad - AD-222
AD-222
UAI0593B
This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company. www.unitedamerican.com
But, if you are unable to talk …
Documented health and medical
information could save your life.
Our Med Facts Kit contains a convenient
guide where you can record critical
information about health conditions,
prescriptions, allergies, doctors, family
contacts, and insurance policies.
Contact us today to receive your
Med Facts Kit at no cost, no obligation.
Communication may
save your life. Or the life
of someone you love.
AD-222
UAI0593B
This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company. www.unitedamerican.com
But, if you are unable to talk …
Documented health and medical information could save your life.
Our Med Facts Kit contains a convenient guide where you can record
critical information about health conditions, prescriptions, allergies,
doctors, family contacts, and insurance policies.
Communication may save your life.
Or the life of someone you love.
Contact us today to receive
your Med Facts Kit at no
cost, no obligation.
2 Column
3 Column
text�text�text
text�text�text
AD-222
Memorial Guide
for final
Wishes
and
Requests
MG03
R3552
Memorial Guide
for final
Wishes
and
Requests
MG03
No Cost Offer Memorial Guide Print Ad - AD-223
AD-223
UAI0593A
This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company. www.unitedamerican.com
Losing you will be an emotional time
for your family members and friends.
But you can help protect them from
additional stress by leaving your final
wishes in writing.
Our Memorial Guide provides one
convenient location where you can
record details about your life, funeral
instructions, insurance policies,
financial records, and more.
Contact us today to receive your
Memorial Guide at no cost, no
obligation.
Do your loved
ones know your
final wishes?
AD-223
UAI0593A
This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company. www.unitedamerican.com
Losing you will be an emotional time for your family members and friends.
But you can help protect them from additional stress by leaving your final
wishes in writing.
Our Memorial Guide provides one convenient location where you can
record details about your life, funeral instructions, insurance policies,
financial records, and more.
Do your loved ones know
your final wishes?
Contact us today to receive
your Memorial Guide
at no cost, no obligation.
2 Column
3 Column
text�text�text
text�text�text
AD-223
You Need
This Valuable
Information!
Memorial Guide Print Ad - AD-140
2 ColumnAD-140
3 ColumnAD-140
AD-140
1214
This is a solicitation for insurance and you will be contacted by a state-licensed insurance Agent
representing United American Insurance Company.
Have you made your choices clear to family or friends on what to do
at the time of your death?
Are your wishes in writing and in a safe place that is known to others?
Call now! A licensed agent representing United American will fill out
a personalized Memorial Guide for you ... FREE OF CHARGE!
You Need This Valuable Information!
AD-140
1214
This is a solicitation for insurance and you will be contacted by a state-licensed insurance Agent representing United American Insurance Company.
Have you made your choices clear to family or friends on what to do
at the time of your death?
Are your wishes in writing and in a safe place that is known to others?
Call now! A licensed agent representing United American will fill out
a personalized Memorial Guide for you ... FREE OF CHARGE!
Agent Name
Agent Address
Agent Phone
Agent Name
Agent Address
Agent Phone
AD-140
© 2014 United American Insurance Company. All rights reserved.These insurance policies have some limitations and exclusions. Plans and benefits may vary by state.
The primary purpose for contacting you is to solicit your inquiry concerning insurance.
You may be contacted by an Agent representing United American Insurance Company.
LC-70
P.O. BOX 8080 • MCKINNEY, TEXAS 75070
Policy Forms UL10-20
___________________________________________________________ ________
Name
Age
___________________________________________________________ ________
Spouse
Age
_____________________________________________________________________
Address (Street, City, State, ZIP)
____________________________ ______________________________________
Phone
Do you currently have life insurance? ❑ Yes ❑ No
These policies have some limitations and exclusions. An Agent representing
United American Insurance Company will contact you with details. Of course,
there is no obligation.
If you would like more information,
PLEASE FILL OUT THIS CARD
This card is postage-paid — no stamp is necessary.LC-70RC
United American’s
Fundamental Life Series™
Affordable life insurance
protection with face amounts ranging
from $25,000 to $500,000.
Protect your family’s future ... today.
Protecting the people you love is a fundamental
responsibility. Nothing is more important than
safeguarding your family.
But what happens when you die?
• Would the people you love be able to
sustain their standard of living?
• Could your family handle its financial obligations?
UAI0436 1214
A policy from United American’s Fundamental Life Series
can help protect those who matter most.
LC-70FD786
UAI3030 1214
© 2014 United American Insurance Company. All rights reserved.
Our Final Expense Insurance Policy
is All About Helping You Plan Ahead!
Planning now
makes good
financial sense!
The last thing you want loved
ones to say when planning
your final arrangements is,
“I can’t afford this.” Grieving
takes an emotional toll, and
it can be even more difficult
when there’s a financial
burden.
It’s never easy to think about
what life would be like for
your family after you’re gone.
But planning now can help
your loved ones focus on
the life you lived, and less on
your final expenses.
FD786
United American’s
$3,000 Accidental Death Policy
$3,000 coverage for you • $3,000 coverage for your spouse • $1,000 coverage for each child
■ No premiums due until the end of the first
policy year
Pay no premiums during the first
policy year.
At the end of the first policy year, keep the
coverage for $10 a year premium. If you
decide not to keep the coverage, the plan
terminates and no premium is due.
■ Coverage begins the day the application
is signed
Coverage is effective when the named
insured or spouse signs the application
for insurance.
■ No health questions or physical exam
■ Issue Ages 18-68 (primary insured)
■ Noncancelable and guaranteed renewable
IMPORTANT FACTS*
■ Accidents are the leading cause of death
among those 1 to 44 years old and the fifth
leading cause of death overall.
■ An estimated 122,900 Americans were
killed by unintentional injury in 2011.
■ An accidental death occurs every four
minutes in the United States.
*Source: National Safety Council’s Injury Facts 2013 Edition
Protect yourself
and your loved
ones in case
of accident
To request your $3,000 Accidental Death Policy, contact
UAI2019 1214
This is only a brief description of United American’s Accidental Death Policy, form UAINADP. See policy for definitions. Noncancelable until the anniversary following
your 70th birthday. Full details, including exceptions for payment of benefits, are in the policy. Insurance benefits provided by United American Insurance Company,
3700 S. Stonebridge Drive, McKinney, Texas 75070.
F9356
© 2014 United American Insurance Company. All rights reserved.
Name
Phone Number
E-mail Address
F9356
Life Insurance For
Children
Ensures that cash will be there
Life is precious. Unfortunately, accidents and disease claim the lives of children every day. Consider that:
• Accidental injuries are the leading cause of death among children in the United States*.
• Cancer is the second leading cause of death among children age 1 – 24*.
Having money for final expenses provides financial protection when the unexpected happens. With United
American’s Juvenile Whole Life Policy you can get help with that protection.
Whole life policies accumulate cash value, so as the child ages the value of UA’s Juvenile Whole Life policy will also
grow.
Keeps the premium affordable
Premiums for United American’s Juvenile Whole Life policy are based on age, so the cost to you will never be
lower than it is now. Buy today and the affordable rate remains the same for life.
• Available for children ages 0-18
• Benefit amounts range from $1,000 to $25,000
• Terminal Illness Accelerated Benefit Rider (ABR1) is included at no additional cost. Upon satisfactory proof of
a terminal illness, this rider pays 50% of current benefits available prior to death (where state approved).
The company behind the coverage
Stability - United American has been in the life and supplemental health insurance business since 1947.
Strength - For more than 35 consecutive years, United American has earned the A+ (Superior) Financial Strength
Rating from A.M. Best Company (as of 6/14).
© 2014 United American Insurance Company. All rights reserved.
FD113 R
UAI2917 0914*Centers for Disease Control and Prevention, NCHS Data Brief, March 2013
This brochure highlights the features of policy form SWL. Policy described herein is not a
preneed or prearranged funeral plan. Policy has some limitations and exclusions. Refer to Your
policy for actual coverage, benefit amounts, and terms. Plan, issue ages, and benefits may vary
by state. Applicant must qualify for coverage amount applied for based on applicant’s age and
health. This is a solicitation for insurance. You will be contacted by a state-licensed insurance
Agent representing United American Insurance Company. FD113
Current Medications I Am Taking
(IMPORTANT: Spell these CORRECTLY)
Date
Prescribed
Dosage
(mgs)
Frequency
(daily, weekly)
Personal medical information for:
MedFacts® is provided as a
courtesy of your local Agent.
Name: ______________________________
Address: ____________________________
City ________________________________
State______ ZIP ______________________
Sex: ❑ M ❑ F ❑ Married ❑ Single
Date of Birth:_______/________/ ________
Preferred Hospital: ____________________
Primary Physician: ____________________
Other Physician: ______________________
Helpful hint: Photocopy this brochure (both sides) and keep it in your auto glove
compartment. If you have a friend who might want a MedFacts® kit, tell your Agent about it!
Instructions: Place the peel-and-stick magnet on the back of the clear plastic
pouch. Keep MedFacts® in the pouch and attach to outside of refrigerator with
magnets. Place MedFacts® stickers near front and back doors in easy view for
medical personnel.
N-3297
LNL0912 0114
N-3297
Register for a life insurance training webinar on the UAGA Agent
website. This webinar introduces you to our Final Expense Whole Life
Insurance Policy for issue ages 50 to 80 and our Juvenile Whole Life
Policy for issue ages 0 to 18. Learn the fundamental principles of selling
life insurance and give your production a boost!
Life is good, and it’s going to get even better in 2015,
as we accelerate our life insurance sales efforts.
Director Bob Lochard and Assistant Director
Vinnie Coiro focus on the life market and can
help you every step of the way.
Young families aren’t the only people who
benefit from life insurance. As Seniors
age, they may become more aware of the
importance of final expense coverage. No
Senior wants to leave a son or daughter with
the expense of planning and paying for their
funeral. It makes sense to prepare in advance
and save loved ones the heartache, stress,
and financial burden.
In addition, when your prospect makes their
adult child or grandchild beneficiary of their
policy, the benefit can provide a financial
legacy, something your Senior policyholder
may not have the financial resources to give
otherwise.
To kick off your life insurance sales campaign,
offer younger prospects a $3,000 Accidental
Death Policy and existing Medicare
Supplement customers a no-cost Memorial
Guide and/or MedFacts Kit. Schedule a time
to stop by, and while you discuss the $3,000
ADP or help them complete the guide or kit,
transition to a discussion of life insurance
needs. Use marketing materials from the
General Agency website Ad Catalog in your
local newspaper or community bulletin and
send lead cards to generate interest in final
expense coverage.
No-Cost Offers
Lead Card:
Flyer:
Print Ads:
Brochures:
6 January 2O15 A New Beginning A New Beginning January 2O15 7
Take a FRESH Look at MEDICARE SUPPLEMENTS!
Sources: http://www.medicare.gov/sign-up-change-plans/medicare-health-plans/medicare-advantage-plans/things-to-know-medicare-advantage-plans.html; http://health.usnews.com/health-news/medicare/articles/2014/10/15/medicare-vs-medicare-advantage-how-to-choose
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6
54
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11 Since 1947, United American has been the Company that does what it says it will do
One of the largest nationwide carriers of individual Medicare Supplement insurance (NAIC)*
23
For more than 35 consecutive years, United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company for overall financial strength (as of 6/14)
4
United American has been selling Medicare Supplement insurance since Medicare began in 1966
5Sound premiums – our rates are based on actual claims experience, not the competition. This keeps our Company and rates sound
78
910
Personalized service from local Agents – licensed insurance Agents in 49 states and the District of Columbia
Speak to a live customer service representative in the United States – no outsourcing to other countries
24/7 online customer service – sign up for United American’s free eService Center™ and review policy details, claims status, premium payments, and much more
* NAIC Medicare Supplement Loss Ratios, 2013 Medicare Supplement Insurance Experience Reports, August 2014.
Guaranteed renewable Medicare Supplement insurance policies, so long as premiums are paid on time ♦ 6
Several plan options – United American offers 10 of the 11 standardized Medicare Supplement insurance plans, so you can choose a plan that best suits your needs✢
✢United American offers standardized plans A, B, C, D, F, HDF, G, K, L, and N where available.
♦United American Medicare Supplement insurance policies are also guaranteed renewable as long as there is no material misrepresentation.
AD-317
Policy Form XXXX
United American Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSK06, MSL06, MSN10, and MC4810 in WI are available from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to
disability. This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company.
United American Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSK06, MSL06, MSN10, and MC4810 in WI are available from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability. This is a solicitation for insurance. You may be contacted by an
Agent representing United American Insurance Company.
UAI2166 0714
AD-317 UAI2166 0714
www.unitedamerican.com
www.unitedamerican.com
MEDICARE ADVANTAGE MEMBERS ANNUAL DISENROLLMENT PERIOD
MEDICARE ADVANTAGE MEMBERS ANNUAL DISENROLLMENT PERIOD
Jan. 1, 2015 - Feb. 14, 2015
Jan. 1, 2015 - Feb. 14, 2015
To learn more:
Learn the FACTS!Compare the Medicare Advantage plan benefits to Original Medicare
and a Medicare Supplement.Make sure you receive the benefits YOU DESERVE!
Learn the FACTS!Compare the Medicare Advantage plan benefits to Original Medicare and a Medicare Supplement.
Make sure you receive the benefits YOU DESERVE!
To learn more:
Medicare Advantage Print Ad
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Agent First NameAgent Last Name
Agent AddressAgent Phone
Agent NameAgent AddressAgent Phone
Guaranteed renewable as long as premiums paid on time
No networks Portable
United American has provided Medicare Supplements since Medicare began and has an A+ (Superior) Financial Strength rating*. See what UA can do for you!
AD-332
Policy Form XXXX
UAI0561 0813
AD-332 UAI0561 0813
www.unitedamerican.com
www.unitedamerican.com
To learn more:
*For more than 35 consecutive years, United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/13). United American Insurance Company is not connected with or endorsed by the U.S.
Government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSK06, MSL06,
MSN10, and MC4810 in WI are available from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability. This is a solicitation for insurance. You may be contacted by an
Agent representing United American Insurance Company.
* For more than 35 consecutive years, United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/13). United American Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSK06, MSL06, MSN10, and MC4810 in WI are available from our Company where state approved. Some states require these plans be
available to persons eligible for Medicare due to disability. This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company.
Is your Medicare coverage checking all the boxes? A Medicare Supplement insurance policy does that and more!
Guaranteed renewable as long as premiums paid on time
No networks
PortableUnited American has provided Medicare Supplements since Medicare began and has an A+ (Superior) Financial Strength rating*. See what UA can do for you!
Is your Medicare coverage checking all the boxes? A Medicare Supplement insurance policy does that and more!
Medicare Supplement Print Ad
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[Agent Name][Agent Address][Agent Phone]
[Agent Name][Agent Address][Agent Phone]
These policies meet the minimum standards for MEDICARE SUPPLEMENT INSURANCE as defined by the New York State Insurance Department. The expected benefit ratio for these policies is 65%. This ratio is the portion of future premiums, which the Company expects to return as benefits, when averaged over all people with these policies. IMPORTANT NOTICE – A CONSUMER'S GUIDE TO HEALTH INSURANCE FOR PEOPLE ELIGIBLE FOR MEDICARE MAY BE OBTAINED FROM YOUR
LOCAL SOCIAL SECURITY OFFICE OR FROM THIS INSURER. First United American Life Insurance Company is not connected with or endorsed by the U.S. Government, the federal Medicare program, Social Security, or any other government agency. This is a solicitation for insurance, and you may be
contacted by an Agent representing First United American Life Insurance Company.
To learn more contact:
F7115 R10
www.firstunitedamerican.com
These policies meet the minimum standards for MEDICARE SUPPLEMENT INSURANCE as defined
by the New York State Insurance Department. The expected benefit ratio for these policies is
65%. This ratio is the portion of future premiums, which the Company expects to return as benefits, when averaged over all people with these policies. IMPORTANT NOTICE – A CONSUMER'S GUIDE TO HEALTH INSURANCE FOR PEOPLE ELIGIBLE
FOR MEDICARE MAY BE OBTAINED FROM YOUR LOCAL SOCIAL SECURITY OFFICE OR FROM THIS
INSURER. First United American Life Insurance Company is not connected with or endorsed by the U.S. Government, the federal Medicare program, Social Security, or any other government agency.
This is a solicitation for insurance, and you may be contacted by an Agent representing
First United American Life Insurance Company.
To learn more contact:
F7115 R10
www.firstunitedamerican.com
WHY DO I NEED A MEDICARE SUPPLEMENT?ARE ALL MEDICARE SUPPLEMENTS THE SAME?
HOW DO I KNOW WHICH ONE IS RIGHT FOR ME?You have questions, and we have answers. For almost a quarter century, New York-area Seniors have turned to First United American Life Insurance Company for
quality Medicare Supplements. You can too!
WHY DO I NEED A MEDICARE SUPPLEMENT?ARE ALL MEDICARE SUPPLEMENTS THE SAME?HOW DO I KNOW WHICH ONE IS RIGHT FOR ME?You have questions, and we have answers. For almost a quarter century, New York-area Seniors have turned to First United American Life Insurance Company for quality Medicare Supplements. You can too!
Policy Forms: [NYMSA10, NYMSB10, NYMSC10, NYMSD10, NYMSF10, NYMSHDF10, NYMSG10, NYMSK06, NYMSL06, NYMSM10, NYMSN10].
Policy Forms: [NYMSA10, NYMSB10, NYMSC10, NYMSD10, NYMSF10, NYMSHDF10, NYMSG10, NYMSK06, NYMSL06, NYMSM10, NYMSN10]. FUA0916
FUA0916
First UA Med-Supp Ad
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texttexttext
texttexttext
ATTENTION SENIORSAre you looking for an affordable Medicare Supplement insurance policy?
Medicare Supplement insurance policies offer you freedom of choice – freedom to choose your doctors and hospitals where Medicare is accepted. There is never a need for a referral from your primary care physician for any covered procedure.
has been a trusted name in the senior insurance market for more than 50 years.United American ProCare® Medicare Supplement PlansUnited American Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSK06, MSL06, MSN10, and MC4810 in WI are available from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability. This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company.
FC692 © 2014 United American Insurance Company. All rights reserved. UAI2817 0214
Sorry we missed you!
FC657
SENIORSAre you looking for an
affordable Medicare Supplement insurance solution?
WE MAY HAVE IT! If you are in relatively good health,
it may make sense to consider an HDF policy with United American for the considerable savings in premiums!
UA ProCare Monthly Premium Comparison*
Plan F Plan HDF How much can the HDF policy save you annually
in premiums?$184 $33 $151 x 12 = $1,812
* UA ProCare national average monthly premium, female, age 65 nonsmoker. Per Company records Jan. 2014. For illustrative purposes only.
UAI2806 1114
These policies have some limitations and exclusions. The primary purpose for contacting you is to solicit your inquiry concerning insurance. Of course there is no obligation. These policies meet the minimum standards for MEDICARE
SUPPLEMENT INSURANCE as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 65%. This ratio is the portion of future premiums, which the Company expects to return as benefits,
when averaged over all people with this policy. IMPORTANT NOTICE – A CONSUMER’S GUIDE TO HEALTH INSURANCE FOR PEOPLE ELIGIBLE FOR MEDICARE MAY BE OBTAINED FROM YOUR LOCAL SOCIAL SECURITY OFFICE OR FROM THIS INSURER. First United American Life Insurance Company is not connected with or endorsed by the U.S. Government or the federal Medicare program. The rating refers only to the overall financial status of the Company and is not a recommendation of
the specific policy revisions, rates, or practices of the insurance Company. *As of 6/12.NYLC-40R12
POST OFFICE BOX 3125 • SYRACUSE, NEW YORK 13220-3125
Name _____________________________________________________Age______ (Spouse, if any.)
Name ____________________________________________________Age______
Covered under Medicare? ❑ Yes ❑ NoCovered under Medicaid? ❑ Yes ❑ No
Address (If rural, give directions.) _______________________________________
___________________________________________________________________
___________________________________________________________________
Phone No. ( ) ___________________________________________________
These policies have some limitations and exclusions. An Agent representing First United American Life Insurance Company will contact you with details. Of course, there is no obligation.
If you would like more information,PLEASE FILL OUT THIS CARD
This card is postage-paid — no stamp is necessary.
NYLC-40RC12
You may be able to cut out-of-pocket expenses with quality Medicare Supplement coverage
Policy Forms NYMSA10, B, C, D, F, F+, G, K, L, and N
Quality insurance from a strong provider backed by quality service from the Company and your Agent!
➤ Wide range of plans . . . from basic protection, to coverage of excess charges.
➤ Claims paid quickly . . . on average within a week.
➤ Guaranteed Renewable for life . . . protection that is guaranteed renewable, as long as premiums are paid on time and there is no material misrepresentation.
➤ Personal one-on-one, professional Agent service.
➤ Automatic payment plan
Superior Financial Stability:
Our commitment to every policyholder is to provide the finest products, service, and stability! First United American has earned the
A+ (Superior) Financial Strength Rating from A.M. Best Company*.
FUA2286 0612
Top 10 ReasonsTo Choose United American Insurance Company for Medicare Supplement Insurance
AD-360 UAI2901 1014
© 2014 United American Insurance Company. All rights reserved.
3700 S. Stonebridge DriveP.O. Box 8080
McKinney, TX 75070-8080
www.uageneralagency.com
This is a solicitation for insurance and you may be contacted by a licensed Agent representing United American Insurance Company. United American Insurance Company is not connected with or endorsed
by the U.S. Government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual
Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSK06, MSL06, MSN10, and MC4810 in WI are available from our Company where state approved. Medicare Supplement insurance policies are available for persons who are under 65 years of age and eligible
for Medicare by reason of disability or End State Renal Disease (ERSD).
Agent NameAgent AddressAgent Phone
AD-316
ATTENTION SENIORS ...
ATTENTION SENIORS ...
Policy Form XXXX
If you are currently enrolled in a Medicare Advantage Plan … this is your opportunity!
MEDICARE ADVANTAGE MEMBERS ANNUAL DISENROLLMENT PERIOD
Jan. 1, 2015 - Feb. 14, 2015
If you are currently enrolled in a Medicare Advantage Plan … this is your opportunity!
MEDICARE ADVANTAGE MEMBERS ANNUAL DISENROLLMENT PERIODJan. 1, 2015 - Feb. 14, 2015
This is your last chance to change your plan for 2015
Review the advantages of a Medicare Supplement insurance policy
• No networks; use any doctor or hospital nationwide that accepts Medicare
• You can’t be canceled, guaranteed renewal for life*
Medicare Supplement policy starting as low as $29 per month**
A+ (Superior) rating by A.M. Best Company for more than 35 consecutive years***
This is your last chance to change your plan for 2015
Review the advantages of a Medicare Supplement insurance policy
• No networks; use any doctor or hospital nationwide that accepts Medicare
• You can’t be canceled, guaranteed renewal for life*
Medicare Supplement policy starting as low as $29 per month**
A+ (Superior) rating by A.M. Best Company for more than 35 consecutive years***
*As long as premiums are paid on time. **Area 2, Texas Medicare Supplement Plan HDF, female age 65, nonsmoker. ***Rating as of 6/14. We are also rated A+ “Strong” for Financial Strength by Standard & Poor’s (as of 7/13). United American Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSK06, MSL06, MSN10, and MC4810 in WI are available from our Company where state approved.
Some states require these plans be available to persons eligible for Medicare due to disability. This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company.
To learn more:
*As long as premiums are paid on time. **Area 2, Texas Medicare Supplement Plan HDF, female age 65, nonsmoker. ***Rating as of 6/14. We are also rated A+ “Strong” for Financial Strength by Standard & Poor’s (as of 7/13). United American Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSK06, MSL06, MSN10, and MC4810 in WI are available from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability. This is a solicitation for insurance. You may be
contacted by an Agent representing United American Insurance Company.
UAI2166 0714
AD-316 UAI2166 0714
www.unitedamerican.com
www.unitedamerican.com
To learn more:
Medicare Advantage Print Ad
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Agent NameAgent AddressAgent Phone
Agent NameAgent AddressAgent Phone
AD-235 R10
Stability: Now More Than Ever
Policy Form XXXX
Disenrolled by Medicare Advantage? Find a stable home with United American Insurance Company.
Providing individual Medicare Supplement insurance plans since Medicare began in 1966.
A+ (Superior) Financial Strength Rating*.
United American Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSG10, MSF10, MSHDF10, MSK06, MSL06, and MSN10, MC4810 in WI
are available from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability. This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company. *From A.M. Best Company as of 6/13. This rating refers only to the overall financial strength of the
company and is not a recommendation of the specific policy provisions, rates or practices of the insurance company.
To learn more:
Stability: Now More Than Ever
Stability: Now More Than EverDisenrolled by Medicare Advantage?
Find a stable home with United American Insurance Company.
Providing individual Medicare Supplement insurance plans since Medicare began in 1966.
A+ (Superior) Financial Strength Rating*.
United American Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSG10, MSF10, MSHDF10, MSK06, MSL06, and MSN10, MC4810 in WI are available
from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability. This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company. *From A.M. Best Company as of 6/13. This rating refers only to the overall financial strength of the company and is not a
recommendation of the specific policy provisions, rates or practices of the insurance company.
To learn more:
Stability: Now More Than Ever
UAI0561 0813
UAI0561 0813
www.unitedamerican.com
www.unitedamerican.comwww.unitedamerican.com
AD-235 R10
Med-Supp Print Ad
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[Agent Name][Agent Address][Agent Phone]
[Agent Name][Agent Address][Agent Phone]
When selling to Seniors during the Medicare Advantage Disenrollment Period (MADP), help prospects realize the true value of Medicare Supplement insurance plans by promoting their simplicity, ease of use, and stability:
f All Medicare Supplement insurance plans offer the same coverage no matter which company sells them. A Plan F offers the same benefits from every insurer.
f Once Medicare-eligible, Seniors may purchase a Medicare Supplement any time during the year.
f There are NO network restrictions!
f Seniors can see any doctor or go to any health facility that accepts Medicare patients.
f In most cases, Seniors do not need referrals to see a specialist.
f If Seniors have a Medicare Supplement insurance plan in conjunction with Original Medicare, they may have NO out-of-pocket costs for covered services.
f Seniors never have to worry about being canceled due to ill health as long as their premiums are paid on time.
f Medicare Supplement insurers do not contract with Medicare each year like MA insurers, so Seniors won’t worry about losing their plan and needing to find another.
Consider direct lead mailers too. Our suggested vendor list is on the Agent website, so check with Agent Services about using lead dollar credits to purchase leads.
Plexiglass stands in a doctor’s office or Senior center can also be a good source for potential prospects.
Distribute door hangers and place print ads in local newspapers and community bulletins to reach the local Senior population.
Promote UA and First UA Medicare Supplements using preapproved advertising materials from the UA and First UA Ad Catalogs on the Agent websites.
AD-360
FC692
FC657
AD-316
AD-317
AD-235 R10
AD-332
F7115 R10
NYLC-40R12
8 January 2O15 A New Beginning A New Beginning January 2O15 9
#5
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#1 #2 #3 #4 #5
#2 #3 #4#1
STARS OF THE MONTH
6. TIM AHLBUM
7. RAY STEVENS Stevens & Associates Insurance Agency, Inc.
8. DEVIN M. BARTA
9. RON CONCKLIN Rosenberg-Concklin, Inc.
10. SCOTT E. MEDNICK Professional Insurance Systems of Florida
11. ROBERT M. WROBLEWSKI SOS Insurance Group
12. KERRY SACHS Secure Retirement Solutions, Inc.
13. PAUL T. SHELDON Paul Sheldon Insurance & Benefits Planning
14. SHAWN T. SCHROEDER Jack Schroeder & Associates, Inc.
15. JOSEPH MAISONET Maisonet Insurance Agency
16. JOHN W. CLARK Senior Solutions Insurance Agency
17. EDWARD A. CATRON
18. SCOTT J. SCHWARTZ Insurance Protection Services
19. AMERICAN EAGLE CONSULTANTS, INC.
20. CHRISTOPHER N. GRAHAM, CLU
21. PAUL SWEENEY Quality First Insurance Agency, Inc.
22. JACKSON EDWARDS IV
23. CESAR CHACON The Insurance Hub
24. RANDOLPH W. FREY JR.
25. BENEFIT PLANS OF AMERICA, INC.
26. JOHN R. SLOWIK
27. FUTURITY FIRST INSURANCE GROUP, INC.
28. VINCENT ABBATIELLO
29. SENIOR SERVICES OF NORTH AMERICA, INC.
30. JAMES F. SCHULER Consumer Group Services, Inc.
Through December 2014, these top producing Agencies and Agents have the highest net combined annualized premium. They qualify to attend the annual Convention based on Company production and retention requirements.
JON AHLBUM The Ahlbum Group
MIKE LEMAR Sunshine State Agency
WILLIAM J. BOROSAK JR. Secure Financial Group
CATHERINE E. HATTON Long Island Insurance Solutions
EDWARD L. SHACKELFORD The Assurance Group, Inc.
TIM AHLBUM PAUL T. SHELDON KERRY SACHS SCOTT J. SCHWARTZ DEVIN M. BARTA
6. JON AHLBUM
7. JACKSON EDWARDS IV
8. RAY STEVENS
9. EDWARD A. CATRON
10. CHRISTOPHER N. GRAHAM, CLU
11. ROBERT HOLZMAN
12. FRED M. ULAYYET
13. JASON STEVENS
14. AARON GORDON
15. EUGENE RANNEY
16. MARK HELLER
17. GARY S. KEMPLER
18. DEXTER R. SAYLOR
19. RICHARD D. SAKHAROFF
20. JOSEPH A. JAFFE
21. JORDAN VICKERS
22. THOMAS A. PAYANT
23. TIMOTHY T. RUSH
24. CHAD A. ROBBINS
25. BEVERLY J. KINGSLEY
26. STEPHEN MAISTO
27. VINCENT ABBATIELLO
28. ROBERT V. TANTILLO
29. JULIA LEMBCKE
30. JEFF D. HACKMEIER
1. JON AHLBUM $563,381 2. MIKE LEMAR $273,080 3. WILLIAM J. BOROSAK, JR. $248,313 4. CATHERINE HATTON $182,006 5. STEVENS & ASSOCIATES $169,782 6. SCOTT MEDNICK $151,289 7. ROSENBERG-CONCKLIN, INC. $145,072 8. TIM AHLBUM $129,742 9. DEVIN BARTA $123,579
10. EDWARD L. SHACKELFORD $120,490
1. TIMOTHY RUSH $76,260 2. KERRY SACHS $60,588 3. JASON STEVENS $60,274 4. SCOTT SCHWARTZ $52,840 5. PAUL SHELDON $51,084 6. TIM AHLBUM $50,508 7. RAY STEVENS $43,766 8. JACKSON EDWARDS IV $42,427 9. RICHARD SAKHAROFF $38,568
10. ROBERT HOLZMAN $36,996
For the month of December 2014, these top 10 General Agents and Writing Agents have the highest net combined annualized premium.
10 January 2O15 A New Beginning
WR
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LOOK FOR YOUR NAME ON FACEBOOK AND TWITTER!
LOOK FOR YOUR NAME ON FACEBOOK AND TWITTER!
1. MIKE STEVENS Farm & Ranch Healthcare, Inc.
2. RANDALL F. EATON Eaton Insurance Agency
3. LOREN A. OLGUIN Olguin Insurance Agency
4. NEAL STACY Stacy Insurance Agency
5. ENSURITY GROUP, INC.
6. DONALD K. SALTIS Saltis Insurance Agency
7. CHARLES A. LOPER JR. Loper Insurance Agency
8. RONALD C. WOODLIEF Woodlief Insurance Agency
9. JACOB M. MCGEOY Secure Benefits Alliance
10. DAVID K. DANIELS David K. Daniels & Associates, Inc.
11. FRANCES D. SALETT Salett Insurance Agency
12. EDWARD A. MAXFIELD Maxfield Insurance Agency
13. ELMER GARCIA Garcia Insurance Agency
14. JOSEPH MAISONET Maisonet Insurance Agency
15. JON AHLBUM The Ahlbum Group
16. JAMES A. HOLMQUIST Holmquist Insurance Agency
17. BENEFIT PLANS OF AMERICA, INC.
18. MELVIN M. WILLIAMS Williams Insurance Agency
19. LEE V. JERNIGAN Jernigan Insurance Agency
20. MARCUS KABORE Kabore Insurance Agency
21. ORAN W. YOUNG Young Insurance Agency
22. TENITRA M. SMITH
23. DENNIS J. CLEOFE Cleofe Insurance Agency
24. AMERICAN EAGLE CONSULTANTS, INC.
25. WILLIAM H. FARNUM
26. KEVIN A. HENRY
27. MARIE F. WILLIAMS Williams Insurance Agency
28. MACK M. DANIELS Daniels Insurance Agency
29. AGENCY SERVICES ONLINE, INC.
30. ERICKA CEBALLOS
1. MARK A. SIMPKINS
2. CRAIG S. WALKENBACH
3. EDWARD T. CODY
4. LOREN A. OLGUIN
5. RICHARD L. KRETSCHMAN
6. DORA SOLIS
7. LEE A. MCGRIGGS
8. ROBERT C. LACKEY
9. RONALD C. WOODLIEF
10. MARIA-RICHETTA HARRIS
11. ROGER A. GRADY JR.
12. FRANCES D. SALETT
13. CICERO MORRIS
14. ELMER C. GARCIA
15. WILLIAM E. CRAIGHEAD
16. WAYNE L. JACKSON
17. ANTHONY BINGHAM III
18. LEE V. JERNIGAN
19. MARCUS KABORE
20. ORAN W. YOUNG
21. TENITRA M. SMITH
22. DENNIS J. CLEOFE
23. WILLIAM H. FARNUM
24. JOSEPH MAISONET
25. KEVIN A. HENRY
26. MARIE F. WILLIAMS
27. MACK M. DANIELS
28. LETICIA A. CARRANZA - ROBLES
29. WILLIAM P. SCARCELLA
30. MICHAEL E. SMITH
1. JON AHLBUM The Ahlbum Group
2. MIKE LEMAR Sunshine State Agency
3. WILLIAM J. BOROSAK JR. Secure Financial Group
4. CATHERINE E. HATTON Long Island Insurance Solutions
5. EDWARD L. SHACKELFORD The Assurance Group, Inc.
6. TIM AHLBUM
7. RAY STEVENS Stevens & Associates Insurance Agency, Inc.
8. DEVIN M. BARTA
9. RON CONCKLIN Rosenberg-Concklin, Inc.
10. SCOTT E. MEDNICK Professional Insurance Systems of Florida
11. ROBERT M. WROBLEWSKI SOS Insurance Group
12. KERRY SACHS Secure Retirement Solutions, Inc.
13. PAUL T. SHELDON Paul Sheldon Insurance & Benefits Planning
14. SHAWN T. SCHROEDER Jack Schroeder & Associates, Inc.
15. JOSEPH MAISONET Maisonet Insurance Agency
16. JOHN W. CLARK Senior Solutions Insurance Agency
17. EDWARD A. CATRON
18. SCOTT J. SCHWARTZ Insurance Protection Services
19. AMERICAN EAGLE CONSULTANTS, INC.
20. CHRISTOPHER N. GRAHAM, CLU
21. PAUL SWEENEY Quality First Insurance Agency, Inc.
22. JACKSON EDWARDS IV
23. CESAR CHACON The Insurance Hub
24. RANDOLPH W. FREY JR.
25. BENEFIT PLANS OF AMERICA, INC.
26. JOHN R. SLOWIK
27. FUTURITY FIRST INSURANCE GROUP, INC.
28. VINCENT ABBATIELLO
29. SENIOR SERVICES OF NORTH AMERICA, INC.
30. JAMES F. SCHULER Consumer Group Services, Inc.
1. TIM AHLBUM
2. PAUL T. SHELDON
3. KERRY SACHS
4. SCOTT J. SCHWARTZ
5. DEVIN M. BARTA
6. JON AHLBUM
7. JACKSON EDWARDS IV
8. RAY STEVENS
9. EDWARD A. CATRON
10. CHRISTOPHER N. GRAHAM, CLU
11. ROBERT HOLZMAN
12. FRED M. ULAYYET
13. JASON STEVENS
14. AARON GORDON
15. EUGENE RANNEY
16. MARK HELLER
17. GARY S. KEMPLER
18. DEXTER R. SAYLOR
19. RICHARD D. SAKHAROFF
20. JOSEPH A. JAFFE
21. JORDAN VICKERS
22. THOMAS A. PAYANT
23. TIMOTHY T. RUSH
24. CHAD A. ROBBINS
25. BEVERLY J. KINGSLEY
26. STEPHEN MAISTO
27. VINCENT ABBATIELLO
28. ROBERT V. TANTILLO
29. JULIA LEMBCKE
30. JEFF D. HACKMEIER
1. TIMOTHY RUSH $76,260 2. KERRY SACHS $60,588 3. JASON STEVENS $60,274 4. SCOTT SCHWARTZ $52,840 5. PAUL SHELDON $51,084 6. TIM AHLBUM $50,508 7. RAY STEVENS $43,766 8. JACKSON EDWARDS IV $42,427 9. RICHARD SAKHAROFF $38,568
10. ROBERT HOLZMAN $36,996
10 January 2O15 A New Beginning A New Beginning January 2O15 11
LIFEW
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BOCA
RATON#UACONVENTION2015
FLORIDA
2015 CONVENTION JUNE 18-21, 2015, BOCA RATON RESORT & CLUB
WH
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OU
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UA
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IF
YO
U A
RE A
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ERA
L A
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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
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UA
LIFY
IF
YO
U A
RE A
WR
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G A
GEN
T:
MONTH LIFE ONLY HEALTH ONLY COMBINED
$100,000 NAP $150,000 NAP $150,000 NAP
JAN. $7,500 $12,500 $12,500
FEB. 15,000 25,000 25,000
MAR. 22,500 37,500 37,500
APR. 30,000 50,000 50,000
MAY 37,500 62,500 62,500
JUNE 45,000 75,000 75,000
JULY 52,500 87,500 87,500
AUG. 60,000 100,000 100,000
SEPT. 67,500 112,500 112,500
OCT. 75,000 125,000 125,000
NOV. 82,500 137,500 137,500
DEC. 100,000 150,000 150,000
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.