May 2012

The news and ideas magazine for the Independent Agents of United American and First United American Life Insurance Companies

2 May 2012

marketing content manager christie gibson

editor roberta boyd king

senior staff writer brynn caccamo

staff writer katrina kotzen

jr. staff writer seth cohn

jr. staff writer/staff photographer brittany feagans

graphic designers john begg, cal slayton

e-mail editor@torchmarkcorp.com to update information in Summit

home office First UA 972-529-5085 315-451-2544

agent service center 800-925-7355 or e-mail agencyservice@torchmarkcorp.com

supply order fax 469-525-4290 attn: agency supply

supply order e-mail agentsupply@torchmarkcorp.com

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.

MedicAre SUppleMent rAte ApprovAlS United American has received 2012 rate approvals in Arkansas, Indiana, Pennsylvania, and Virginia on ProCare Medicare Supplement Plans.

The new business and renewal effective date is June 1, 2012.

Detailed rate cards, including plans, rates, and pay modes are available for download at UAOnline.

Contact Agency Service at 1-800-925-7355 or e-mail agencyservice@torchmarkcorp.com with questions.

Attn: oHio AGentS As a reminder, per the Ohio Department of Insurance, all Ohio insurance Agents are required to renew their license every two years by the last day of their birth month. Renewal applications may be submitted up to 90 days prior to the Agent’s license expiration date.

Attn: KAnSAS AGentS The Kansas Department of Insurance issued a bulletin about the increasing number of complaints involving life and health insurance ads produced and distributed by third-party marketing firms. The bulletin clarifies insurance companies and their Agents are responsible for the content of ads distributed directly and on their behalf, including ads originating with third-party, noninsurance entities. Remember, any ad you create or have created by an ad agency, designer, marketing firm, etc., used to solicit sales of UA products must be reviewed by the Home Office Advertising Committee for compliance. (See ‘Advertising Guidelines’ on the ‘uageneralagencyoffice’ website.)

Attn: FirSt UA AGentS As a reminder, New York has readopted Regulation 187 that provides suitability standards for Agents who recommend the purchase or replacement of an annuity contract so the insurance needs and financial objectives of consumers are appropriately addressed at the time of the transaction.

This regulation affects Agents currently selling First United American’s Flexible Premium Deferred Annuity (NYFPDA02). Affected Agents must review the FUA2086 annuity training document at www.firstunitedamerican.com/office, ‘Downloads,’ ‘Annuities’, ‘Annuity Product and Annuity Suitability Training’.

Please contact the Home Office at 315-451-2544 with questions.

doUble convention credit During the second quarter from April 1, 2012, to June 30, 2012, UA Agents receive DOUBLE CONVENTION CREDIT for underage 65 health sales. The market for critical illness, cancer, hospital indemnity, accident, and MMGAP is excellent and can help you secure your place at the Hotel del Coronado in beautiful San Diego in 2013. (Does not apply to any Medicare Supplement sales or to First UA Agents.)

intereSt rAteS Set The Lifestyle Annuity rate for May is 3.00 percent. Rates are reviewed and adjusted accordingly.

The Deposit Fund Rider new business interest rate for 2012 is 3.00 percent.

WordS oF AppreciAtion It’s always gratifying to know we’re helping you to increase your recruiting and sales. After all, that’s what we’re here for! Here are a few comments the Home Office received recently:

From Mike Stevens, Farm and Ranch Healthcare, Inc.: “Hey Guys ... I just want to say ‘Thank you’ to everyone. Great meeting! I really think the $3,000 Accidental Death Policy is an excellent opportunity. A special thanks from me to Chuck, Danielle, and Marty for putting it all together!”

From O.A. Clark, Clark & Associates Insurance Agency, Inc.: “Just want to thank you again for all your help and for my new lead contract with UA. The money provided by UA is just great! How can you go wrong with the best Medicare Supplement Company in America? And the bonus lead money - WOW! I have placed a direct lead mail order with TARGETLEADS, and anticipate new sales soon. I am excited again about selling insurance and look forward to selling all UA products.”

From webinar attendee, Sue Simpson: “Excellent webinar - it is nice to be associated with a wonderful Company headed by an experienced, knowledgeable, and talented staff that promotes the Company, its products, and creates success. I so much appreciate the webinars to help me learn more and your important suggestions on marketing and sales. I have been in this industry in other capacities for a long time and am so excited to put that experience to use in the area of sales and marketing.”

We can help you too! Contact the Director in your area to learn more. The map of Regional Directors is on the 'uageneralagencyoffice’ website under ‘Recruiting and Support’.

perSpective

charles Mankamyer Senior Vice President / General Agents

back to the Future ...With so much new talent contracting with United American and First United American in the past several months, this seems like the perfect time to use our center spread to look back at how UA developed into the great Company it is today. After all, if Marty McFly in Back to the Future hadn’t gone back in time 30 years, he would not have been able to positively impact his future ... and think of all those fun sequels we would have missed! Seriously, knowing our past helps us to make better decisions about our future, and making good decisions for ourselves and our Company keeps us successful.

One thing I’ve learned over the years is that the only constant in life and business is change, so this also seems an appropriate time to review the changes we’ve put in place in the past few years. In most cases, change is good; it’s healthy to look at other ways of doing things. It’s productive to think outside the box. It’s exciting to implement new types of training and look at new approaches to selling. We’ve done all that and more in just a few short years. Let’s review:

Applications: Technology has given Florida UA Agents and First UA Agents the ability to submit Medicare Supplement applications via eApp. Other changes concerning applications are in the works, so watch for more information in June Summit.

Webinars: Two Wednesdays each month we offer general training webinars and also assist with personalized webinars for General Agents. Contact your Director to learn how we can assist your team.

Live Workshops: We hold live recruiting and training workshops around the country. We just completed two weeks of successful workshops in Illinois, Indiana, Kentucky, Missouri, Ohio, and Pennsylvania and are holding additional workshops next month in Florida. (See pages 8 and 9 for recruiting tips and workshop photos.)

UAGA and First UA Agent Website: UA’s UAOnline and First UA’s ‘firstunitedamerican.com/office’ are the

hubs for sales and product information. Each site provides everything you need to market products, present products, and close the sale. And with the recent redesign of ’UA General Agency Office’, it is now easier and faster to locate what you need.

Ongoing Incentive for Direct Lead Mailers: When you sell only two Medicare Supplements in your first 60 days as an Agent, you receive 1,000 FREE Med-Supp direct lead mailers. Existing Agents who sell $10,000 over their best month since Feb. 2011, earn 1,000 FREE Med-Supp direct lead mailers. Agents who sell $20,000 over their best month since Feb. 2011, earn 2,000 FREE Med-Supp direct lead mailers. Now that’s a deal!

Outdoor Adventure Dream Giveaway Sweepstakes: When Agents submitted a Medicare Supplement application, it earned an entry into this fantastic sweepstakes. The drawing is at the end of this month, and I hope we can report in the next issue of Summit that one of our own is the BIG winner.

Prorated Convention Requirements: Agents who contract after Feb. 1, 2012, have a reduced qualification period and a reduced production requirement for the Convention held in 2013. When they contract and produce at a six-month production level, they can be eligible for the next Convention.

Double Convention Credit: During the second quarter through June 30, 2012, UA Agents can earn DOUBLE Convention credit selling underage 65 health products* - critical illness, cancer, hospital indemnity, accident, and MMGAP. Expand the products you offer and expand your potential to qualify for Convention 2013 in sunny San Diego.

UA has an admirable history, and we will continue to make sure that its future is just as spectacular by doing all we can in the Home Office to help you facilitate the sales process. Our future is bright, and I’m glad you’re part of it.

May 2012 3

* Does not include Medicare Supplements or Disability Medicare Supplements. Does not apply to First United American.

UNITED AMERICANAdao, Vivien TingAddison, Michele L.Adwell, Mark A.Alberding, Theodore WilliamAnnett III, William R.Barton, Michael F.Batt & Associates, Inc.Beale, Michael A.Beasley, Larry L.Becton, Jimmie L.Benedeti-Zum Tobel, GiovannaBlyakherov, AleksandrBonczek, Stephen J.Brooks, Mark W.Burke, April LachelleBurney, LabronByrd, Richard HarrisonCampbell, William HaskelCangemi, AnthonyCarl Jr., Rexford J.Carrithers, JoanneCarroll, John W.Carter, Louise L.Chow, John Chack FooChristopher, Don C.Crawford, Richard E.Crews, Helen J.Cruz, SteveCuccia, StephenDavis Jr., Robert JosephDean, Joel LoyalDederer, JeredDirks, MichaelDugan, Shawn MartinDVC & Associates, Inc.Edwards, AzariahEisnaugle IV, Preston L.Epstein, Melanie J.Fanning, Patricia W.Ferkinhoff, MarvinFischer, DavidFizell, HelenFlores, Erica LeeFredericks, Michael LynnFurtak, Andrew Z.Gallagher, Donald M.Gardner, William Edward-JosephGlennon, Lea Denise

Gluckman, DavidGoodman, Harold E.Goodrich Insurance & Financial Services, Inc.Gosline, Claudia MarieGoudeau, Angela MadelineGovea-Welsh, RoxieGreenberg, Joshua KarlGreenberg, Mark S.Greer, DoranceGregory, Timothy E.Guagliardo, AllanHardy, Ruth AnnHarriett, Elie A.Hawkins Sr., Carlton R.Heck, Douglas StephenHerrmann, Susan MaryHerz, Richard AllanHicks, Fredrick W.Himfar, Gregg FrankHodgkinson, Ronald J.Hogan, Sonya DawnHolman, Gayle R.Hooper Jr., Roy B.Hubsch, Linda M.Hudson, Joseph NixonHuff, Susan J.Hyson, Gaylan LeroyIckert, WalterJetter, Matthew KalhornJohnson, Paul D.Johnston, Jean B.Juntunen, RonaldKain, Brian ThayerKeating, Thomas AnthonyKelly Jr., Prince G.Keyton, JamesKiddy, Robert B.Kiegler Jr., Donald F.Kiritsy, BrianKnight, Stephen E.Kramer, Fred JacobusKramer, Ronald FrancisKrueger, Albert J.Lamoureaux, Max A.Lancaster, Brian A.Lange, Stephen RayLarsen, Gerald F.Laudan, RuthLee, Jerry D.Lefevre, Ryan

Lester, Marc LawrenceLewis III, Felton E.Lockridge, William AndrewLott, SharonMachen, Michael NoelMarek, James F.Masbrata, Tinus M.Mathison, Terese JoanMatos, ManuelMcCarthy, Patrick LeoMcCree, GeorgeMcGrath, Jewell JanellMcLawhorn Jr., Burgeon B.McNamara, ThomasMedin, Selwyn ArnoldMetzger, John B.Miller, Edmond TaylorMiller, Eric StephenMilton, Marlan D.Moe, KathleenMonchery, DanielMori, Foster ChristopherMounger, Scott EdwinNash, William E.Navarroli, Nicholas D.Ng, JohnNichols, JamesO’Hara, Thomas MichaelO’Neal, William M.Parker, Kevin E.Payne, Samuel F.Pike-Cortez, Calida DanicePotts, Thomas JosephProctor, James J.Pryor, James D.Radgosky, Delbert JohnRamsey, Frederick WalterRandall, Joshua W.Reeh, Boyd AllenRevelle, CharlesRobinson, AlbertaRomero, Frank IsaacRoss, Joseph F.Ruettger, Robert JosephRussell, William R.Sagen, Kori A.Sanchez, Jose LuisSchaefer, Ronald LeslieSchellinger, Michael A.Schiefelbein, JohnSchmidt, Connie S.

Schulz, John C.Scott, Karl AdrianScott, Kristin D.Shellenberger Jr., JohnSherlin, Louis H.Shirley, Dorothy M.Shoaf, John AustinSimpson, Deborah H.Sisler, Jon GageSkelton, Stevie B.Smith, Floyd JeanSmith, Larry D.Snow, AudreySprigg, William J.Stark, CherylSteen, Arland DewayneStephens, Janet FeleciaStephens, Tom L.Strong, BiragoSussman, Leslie SueTelesford, Gordon W.Thiessen, Edward J.Thomas, MarilynThomas, Ursula HopeThompson, Joel LeslieTirrell, SpencerToon, Burlin RalphTuite, Jean FrancesTurner, Franklin LeoTveter, Clifford JuddVan Houten, Jerald GlenVarghese, RegyVilleneuve, Richard W.Walters, Lee R.Waskover, RobertWaters Sr., Breon NathanielWatkins, Thomas G.Watts, Mary A.Weber, Debra A.Weir, Terry DominicWerner, DonnaWest, LouisWhiting, SheronneWiley, AnitaWilliams, Danny LynnWilson, BrendaWilson, Tashanti OmariWilson-Schaffer, Teresa J.Yingling, Richard AllanZaccagnino, Andrew Joseph

FIRST UNITED AMERICANBeauboeuf, Alain M.Belton, David M.Berkely Brokerage Corp.Bernfeld, David S.Bessler, Mary Anne V.Bowen, Aline G.Cadaret Grant Agency, Inc.Contemporary Employee Plans, Inc.Corrigan, Andrew G.Dolcemascolo, Frank J.Early, Brian J.Fenton, Kyle S.Garver, Glenn P.Gerri, James J.Giblin, Terrance P.Goldman, GeorgeGomez, Robert JamesHuttick, Edward D.Krasner, Michael BruceLofaso, Jasper FrankMantione, JamesMarziale, David W.Mitchell, Isaac BenjaminMonaco, Nicholas A.Nadler, HeinzNE Securities, Inc.O’Connor, Patrick J.O’Neal, Angela M.O’Neal, Brenda L.Pardi, Carmine V.Posnack, Brian A.Randolph, ConradRoberts, Paul B.Rokosz, RichardRugen, William F.Shagott, Margaret J.Shimshidian, Stefan A.Simonds, DavidWeisenberg, EthanWitt, Norbert M.Zambella, AnthonyZiffer, Ronald J.

The Senior market is the optimum market to be in with 10,000 people turning 65 every day in this country. Given the quality of UA and First UA Medicare Supplements, you are primed for success for decades to come. So let’s get started!

4 May 2012

Torchmark Chairman and CEO, Mark S. McAndrew, will step down on June 1, 2012, as Chief Executive Officer, after 32 years of dedicated service to Torchmark. McAndrew will continue to serve in an executive capacity as Chairman of the Board of Directors through June 1, 2013.

The Torchmark Board of Directors has appointed Gary L. Coleman, Torchmark’s Executive Vice President and Chief Financial Officer, and Larry M. Hutchison, Torchmark’s Executive Vice President and General Counsel, as Co-Chief Executive Officers effective June 1, 2012.

“Gary and Larry are proven leaders, having served Torchmark for 31 years and 26 years respectively,” says McAndrew. “The Board and I are confident their expertise across all aspects of the Company, combined

with their commitment to executing the Company’s strategies, will ensure Torchmark’s continued growth and shareholder value creation. There are no better individuals than Gary and Larry to lead this Company, and we are confident that a Co-Chief Executive Officer structure will ensure the Company continues to succeed and build on the important progress we have made.”

Also effective June 1, 2012, Frank Svoboda, Vice President and Director of Tax for Torchmark, is appointed Executive Vice President and Chief Financial Officer, and Robert Brian Mitchell, Senior Vice President and General Counsel of each of Torchmark’s insurance subsidiaries, is appointed Executive Vice President and General Counsel.

New Leadership at

Brian Mitchell

Frank Svoboda

Gary Coleman, Mark McAndrew, Larry Hutchison

“I am proud of everything we have accomplished together over the past 32 years of my service,” says McAndrew, “especially over the last seven years during my tenure as CEO. I thank you wholeheartedly for your hard work and unwavering commitment to this great Company. Together, we have built a stronger Torchmark that will only continue to grow under the leadership of Gary and Larry.”

Congratulations to Torchmark’s new leadership team!

May 2012 5

When Marty McFly finds himself 30 years in the past, his vivid tales of the future elicit an astounding “Great Scott!” from Doc Brown, the disheveled, white-haired inventor responsible for Marty’s unintentional time travel. Here at United American, we’re curious what we might find if we travel back in time a few decades – what would our UA predecessors think of the progress we’ve made? What could we tell them to expect in UA’s future?

Let’s hop into our own DeLorean and pay a visit to 1947 on our trek ‘Back to the Future’. Oh, and don’t worry – we picked up time travel insurance just the other day.

1981: We arrive on August 3, 1981, to learn UA has become a subsidiary of Liberty National Insurance Holding Company … soon to be known as Torchmark Corporation. It begins another new era for United American Insurance Company.

1947: We arrive in the year of our Company’s founding. “Welcome,” says C.L. Dunlap, United American’s founder. “This way,” he says. “There are a couple of people I’d like you to meet.”

Moments later, we shake hands with W.H. Coleman Jr., a CPA, and Kay Holt, Mr. Dunlap’s secretary – the 2nd and 3rd employees of United American.

But our visit to 1947 doesn’t last long. Mr. Dunlap explains they have an important meeting. The topic? How to grow United American into one of the leading supplemental health insurance companies in the country.

1955: Last time we saw C.L. Dunlap and Company, they sat in a cramped office discussing growth strategies. Now they’re in The Insurance Center, an office building in downtown Dallas. Employees throughout the 47,000-square-foot building are thrilled at the growth of the Company ... and the air conditioning.

Prior to completion of The Insurance Center, The News Flash, United American’s first magazine, features a photo of a jubilant C.L. Dunlap standing beside Dallas Mayor R.L. Thornton as the Mayor turns the first spade of dirt for United American’s new Home Office. “Every time a new building like this goes up, it means growth and progress for the city of Dallas,” said the Mayor. It also means growth and progress for United American.

1977: C.L. Dunlap, hair slightly whiter than when we saw him last, sits in his office with a smile on his face and a small sheet of paper in his hand. It’s a certificate confirming UA’s A+ (Superior) Financial Strength Rating by A.M. Best Company, awarded a few months prior to the Company’s 30th anniversary. Now, with another new building UA’s growth and progress has proved consistent since we saw C.L. 22 years ago.

The new United American Home Office has three times as much space as the old Insurance Center building. Home Office employee count has reached the 400 mark.

6 May 2012

1996: Things are looking familiar as we find ourselves back in McKinney, Texas, – the location of UA’s current Home Office. A new 140,000-square-foot building is more than enough to house UA’s 500 Home Office employees. United American has found the perfect spot to begin a prosperous 21st century.

2007: Torchmark affiliates including UA move into a new 150,000-square-foot addition adjacent to UA’s Home Office in McKinney. With the building expansion came Company consolidation, allowing UA and its Torchmark affiliates to run even more efficiently than before, something undeniably reflected in our increasing number of policyholders and growing annual premium.

2012 & Beyond: Our travel through time is over as we arrive back to the present. Meeting the founder of United American and seeing all the stops along the way was a memorable experience that afforded us a new perspective. What did we learn? United American is here to stay and stronger than it’s ever been. We’re proud of our Company’s heritage and of all those who had the foresight and courage to bring UA to where it is today, both employees and Agents. The future of UA holds great promise. C.L. Dunlap would be proud!

May 2012 7

8 May 2012

United American’s Senior Director, Ryan Sykes, recently completed a two-week series of live recruiting and training workshops in Pennsylvania, Ohio, Kentucky, Indiana, Illinois, and Missouri, and the turnout was phenomenal. There’s no doubt the pool of talent available today is the best it’s ever been, and the enthusiasm generated by attendees was nothing short of amazing. We are thrilled to have so many quality individuals interested in joining the ranks of United American.

Contact the Director in your area to learn how the Home Office can assist you in your recruiting efforts. Review the center spread of April Summit for a listing of Directors and their regions and more information on recruiting .

Emphasize to recruits ...More Agents mean more production. Increasing the members on your team increases your ability to reach more prospects ... and that means more sales.

Insurance sales is one of the highest paid professions. The potential for residual earnings sets the insurance industry apart from other commission sales. You continue to make money for sales you made years before. Once you establish a book of quality business and maintain persistency, the money keeps coming ... year after year. Add new sales annually, and there is no limit to what you can achieve.

Insurance sales is not a risky business. With commission sales, you are paid based on the time and effort you put in. You determine what you earn and are paid what you are worth. If you work hard and follow directions, your potential is limitless.

You don’t need previous insurance experience. You don’t even need previous sales experience. Being F.A.T. (Flexible, Adaptable, and Trainable), having the desire to succeed, and having the willingness and motivation to put in the time and effort to create success is what’s most important.

Beef up your Agency to beef up your image in the community. Do you want to be the ‘little insurance Agency around the corner’ or the dynamic team of insurance professionals who offer a strong portfolio of quality life and health products? The larger your organization and the more active you are within the community, the more credibility and interest you develop.

New recruits provide a new perspective. Injecting new blood into your Agency may encourage your veteran Agents to consider new technologies and new approaches to prospecting or selling. Your veterans can help the new Agents gain confidence and basic selling skills. It’s a win/win for both groups!

Recruiting isn’t difficult. With the economic slowdown, there is an abundance of talented people in the job market looking for an opportunity to be successful. You only have to give it to them.

Get wired on F !

May 2012 9

UA and First UA have a Facebook presence and want you to be part of it. Social Media like Facebook lets you communicate in a fast, positive way at no cost to you. It’s free advertising, and with almost 175 million* monthly active users in North America, your potential return could be massive.

Social Media can help you promote our Companies, recruit new talent, acknowledge excellence on your team, connect with other Agents, share your interests and successes, and generally create good will.

Visit us on Facebook and find out what you’ve been missing! ‘Like’ us and post a positive comment about UA or First UA to let both potential recruits and customers know that we’re Companies with whom they’d want to work or do business.

Source: http://ansonalex.com/infographics/facebook-user-statistics-2012-infographic/

GET STARTED!

If you have an e-mail account and Internet access, go to facebook.com to create a

Facebook account; the system will walk you through the sign-up process.

Facebook will send you an e-mail to confirm your e-mail address and will walk you through developing your profile.

Now you’re ready to ‘like’, ‘follow’, and ‘post’ on the UA and First UA sites.

To follow United American, type facebook.com/UnitedAmerican into the address bar. Click ‘Enter’.

To follow First UA, type facebook.com/FirstUnitedAmerican into the address bar. Click ‘Enter’.

Click ‘Like’ to follow the Company page.

Comment on existing posts or add statements of your own, and click ‘Share’ to add to the

UA or First UA Wall. ‘Sharing’ your success with other Agents may inspire them too!

SOCIAL MEDIA

10 May 2012

top prodUcerS - ytd

6. KERRY SACHS Secure Retirement Solutions, Inc.

7. DAVID K. DANIELS David K. Daniels & Associates

8. MARK HELLER Heller Insurance Agency

9. MIKE STEVENS Farm & Ranch Healthcare, Inc.

10. PAUL SWEENEY Quality First Insurance Agency, Inc.

11. THOMAS G. STATKEWICZ Sylvan-James Associates, Inc.

12. JOHN STEVEN CARRAN

13. PHILIP B. ORTEZ JR. Phil & Kathy Ortez Insurance Agency, Inc.

14. AMERICAN EAGLE CONSULTANTS, INC.

15. CENTURION AGENCY, LTD.

16. JOHN W. STAMPER Choice Plus Benefits

17. ROBERT M. WROBLEWSKI SOS Insurance Group

18. RICHARD D. SAKHAROFF Security Benefits Group, Inc.

19. JOHN J. COSTA Agent Services of America

20. STUART ALAN Senior Care Insurance Center

21. ERIC S. SAVAGE Savage Financial Group, Inc.

22. NAYEEM M. SIDDIqUE Siddique Insurance Agency

23. RICHARD S. SCHWARTZ Insurance Center of S. Florida

24. PETER S. GELBWAKS Gelbwaks Executive Marketing Corp.

25. SCOTT E. MEDNICK Professional insurance Systems of Florida

26. BEDROS K. BEDROSSIAN Bedrossian Insurance Agency

27. EARL D. DWORKIN Dworkin Insurance Agency

28. BENJAMIN W. FINGERET Fingeret Insurance Agency

29. ROBERT L. POLLIER JR. Senior Management Services

30. WCI BROKERAGE CORP.

PACESETTERS CLUB

PRESIDENT’S CLUB

6. JULIA GILELS

7. ROGER A. GRADY JR.

8. CHRISTOPHER N. GRAHAM

9. CASEY V. PALMER

10. PHILIP B. ORTEZ JR.

11. VICTORIA A. MAJOR

12. KERRY SACHS

13. NATALIE L. COOPER

14. FRED W. LEMAR JR.

15. MATTHEW BROWN

16. SCOTT A. ROPER

17. VANDA WATSON

18. JOHN W. STAMPER

19. RICHARD MACHT

20. RICHARD SAKHAROFF

21. ANDREW M. FLITTNER

22. PAUL D. RICHARD

23. MICHAEL KLINE

24. EDWARD A. CATRON

25. CATHERINE E. HATTON

26. STUART ALAN

27. MICHAEL R. SOSSO

28. SANDRA K. STEVENS

29. STEPHEN M. LOURO

30. MARTIN L. SHAW III

Through April 2012, these top producing Agencies and Agents have the highest net combined annualized premium. They can qualify to attend the annual Convention based on Company production and retention requirements.

2. MICHAEL LEMAR Sunshine State Agency

3. CATHERINE E. HATTON Long Island

Insurance Solutions

4. RON CONCKLIN Rosenberg-Concklin, Inc.

5. RAY STEVENS Stevens & Associates

Insurance Agency

2. RAY STEVENS 3. JONATHAN AHLBUM 4. MARK HELLER 5. DEVIN BARTA1. TIMOTHY J. AHLBUM

1. JONATHAN AHLBUM The Ahlbum Group

top prodUcerS - ytd

May 2012 11

This list represents the Top General Agents and Writing Agents who have written the highest net annualized life or health premium through the month of April 2012.

21. ERIC S. SAVAGE Savage Financial Group, Inc.

22. NAYEEM M. SIDDIqUE Siddique Insurance Agency

23. RICHARD S. SCHWARTZ Insurance Center of S. Florida

24. PETER S. GELBWAKS Gelbwaks Executive Marketing Corp.

25. SCOTT E. MEDNICK Professional insurance Systems of Florida

26. BEDROS K. BEDROSSIAN Bedrossian Insurance Agency

27. EARL D. DWORKIN Dworkin Insurance Agency

28. BENJAMIN W. FINGERET Fingeret Insurance Agency

29. ROBERT L. POLLIER JR. Senior Management Services

30. WCI BROKERAGE CORP.

21. ANDREW M. FLITTNER

22. PAUL D. RICHARD

23. MICHAEL KLINE

24. EDWARD A. CATRON

25. CATHERINE E. HATTON

26. STUART ALAN

27. MICHAEL R. SOSSO

28. SANDRA K. STEVENS

29. STEPHEN M. LOURO

30. MARTIN L. SHAW III

1. MIKE STEVENS Farm & Ranch Healthcare, Inc.

2. OWEN E. METTS Metts Insurance Agency

3. DAVID K. DANIELS David K. Daniels & Associates

4. JOHNNIE D. SNIDER Snider Insurance Agency

5. GEORGE A. WALLACE Wallace Insurance Agency

6. BANTEE L. HALL Hall Insurance Agency

7. BLAINE G. KLOECKNER Kloeckner Insurance Associates

8. DON P. BURNETT Burnett Insurance Agency

9. JONATHAN AHLBUM The Ahlbum Group

10. HERSCHELL A. MCCOY McCoy Insurance Agency

11. MACK M. DANIELS Daniels Insurance Agency

12. MELVIN M. WILLIAMS Williams Insurance Agency

13. GINA DAVIS-LLOYD Financial Choices, Inc.

14. KENNETH R. GEMPELER Gempeler Insurance Agency

15. TERESA S. MAROTTO Marotto Insurance Agency

16. NAGIB F. KHALLOUF Trans Capital Financial & Insurance Services

17. JAMES D. BROWN Brown Insurance Agency

18. MICHAEL LEMAR Sunshine State Agency

19. MARK A. BRSAN Brsan Insurance Agency

20. JESSE E. BROWN Brown Insurance Agency

21. CHARLOTTE J. HOSKINS Hoskins Insurance Agency

22. SAMUEL A. DUNCAN Duncan Insurance Agency

23. WILLIAM M. WHITE White Insurance Agency

24. JAMES B. GEARHART Gearhart Insurance Agency

25. BOBBY L. BAKER Baker Insurance Agency

26. EDWARD B. KEMM JR. Kemm Insurance Agency

27. JOHN W. HARRINGTON Harrington Insurance Agency

28. DONALD L. BISHOP The Bishop Agency

29. CECIL A. PRUITT JR. Pruitt Insurance Agency

30. DENNIS T. RICE Rice Insurance Agency

1. JONATHAN AHLBUM The Ahlbum Group

2. MICHAEL LEMAR Sunshine State Agency

3. CATHERINE E. HATTON Long Island Insurance Solutions

4. RON CONCKLIN Rosenberg-Concklin, Inc.

5. RAY STEVENS Stevens & Associates Insurance Agency

6. KERRY SACHS Secure Retirement Solutions, Inc.

7. DAVID K. DANIELS David K. Daniels & Associates

8. MARK HELLER Heller Insurance Agency

9. MIKE STEVENS Farm & Ranch Healthcare, Inc.

10. PAUL SWEENEY Quality First Insurance Agency, Inc.

11. THOMAS G. STATKEWICZ Sylvan-James Associates, Inc.

12. JOHN STEVEN CARRAN

13. PHILIP B. ORTEZ JR. Phil & Kathy Ortez Insurance Agency, Inc.

14. AMERICAN EAGLE CONSULTANTS, INC.

15. CENTURION AGENCY, LTD

16. JOHN W. STAMPER Choice Plus Benefits

17. ROBERT M. WROBLEWSKI SOS Insurance Group

18. RICHARD D. SAKHAROFF Security Benefits Group, Inc.

19. JOHN J. COSTA Agent Services of America

20. STUART ALAN Senior Care Insurance Center

21. ERIC S. SAVAGE Savage Financial Group, Inc.

22. NAYEEM M. SIDDIqUE Siddique Insurance Agency

23. RICHARD S. SCHWARTZ Insurance Center of S. Florida

24. PETER S. GELBWAKS Gelbwaks Executive Marketing Corp.

25. SCOTT E. MEDNICK Professional insurance Systems of Florida

26. BEDROS K. BEDROSSIAN Bedrossian Insurance Agency

27. EARL D. DWORKIN Dworkin Insurance Agency

28. BENJAMIN W. FINGERET Fingeret Insurance Agency

29. ROBERT L. POLLIER JR. Senior Management Services

30. WCI BROKERAGE CORP.

1. VANDA WATSON

2. OWEN E. METTS

3. TIMOTHY STYER

4. JOHNNIE D. SNIDER

5. BANTEE L. HALL

6. BLAINE G. KLOECKNER

7. DON P. BURNETT

8. WILLIAM R. CAMPBELL

9. HERSCHELL A. MCCOY

10. MACK M. DANIELS

11. MELVIN M. WILLIAMS

12. GEORGE A. WALLACE

13. ROBERT C. LACKEY

14. GINA DAVIS-LLOYD

15. KENNETH GEMPELER

16. TERESA S. MAROTTO

17. NAGIB F. KHALLOUF

18. PHILLIP SEIDEMAN

19. JAMES D. BROWN

20. MARK A. BRSAN

21. JESSE E. BROWN

22. CHARLOTTE J. HOSKINS

23. SAMUEL A. DUNCAN

24. WILLIAM M. WHITE

25. JAMES B. GEARHART

26. BOBBY L. BAKER

27. EDWARD B. KEMM JR.

28. JERRY D. BRATCHER

29. CLARENCE J. CARLSON JR.

30. JOHN W. CRAVEN SR

1. TIMOTHY J. AHLBUM

2. RAY STEVENS

3. JONATHAN AHLBUM

4. MARK HELLER

5. DEVIN BARTA

6. JULIA GILELS

7. ROGER A. GRADY JR.

8. CHRISTOPHER N. GRAHAM

9. CASEY V. PALMER

10. PHILIP B. ORTEZ JR.

11. VICTORIA A. MAJOR

12. KERRY SACHS

13. NATALIE L. COOPER

14. FRED W. LEMAR JR.

15. MATTHEW BROWN

16. SCOTT A. ROPER

17. JOHN W. STAMPER

18. RICHARD MACHT

19. RICHARD SAKHAROFF

20. ANDREW M. FLITTNER

21. VANDA WATSON

22. PAUL D. RICHARD

23. MICHAEL KLINE

24. CATHERINE E. HATTON

25. EDWARD A. CATRON

26. STUART ALAN

27. MICHAEL R. SOSSO

28. SANDRA K. STEVENS

29. STEPHEN M. LOURO

30. MARTIN L. SHAW III

LIFE HEALTH

GEN

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L A

GEN

TS

LIFE HEALTH

WR

ITIN

G A

GEN

TS

What Do You NeeD to Sell? If You’re a GenerAl AGent:

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

If You’re a WritinG AGent: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

PRORATED CONVENTION QUALIFICATIONSAgents who contract after Feb. 1, 2012, have a reduced qualification period for the annual Convention by one or more months and a reduced production requirement.

Contract in:

February: 11 months or $137,500 combined NAP

March: 10 months or $125,000 combined NAP

April: 9 months or $112,500 combined NAP

May: 8 months or $100,000 combined NAP

June: 7 months or $87,500 combined NAP

July: 6 months or $75,000 combined NAP

Agents must be contracted and produce at a six-month minimum production level to be eligible for Convention.

SAn dieGo 2o13ANNUAL CONveNTIONJUNe 18-21 • HOTeL deL COrONAdO