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

August 2013

Senior Marketing Communications ManagerChristie Gibson

Content SupervisorKatrina Kotzen

EditorRoberta Boyd King

Assistant Editor/Staff PhotographerBrittany Feagans

Staff WriterChristine Perrenot

Jr. Social Media WriterGina Circelli

Graphic DesignerJohn Begg

E-maileditor@torchmarkcorp.com to update information in Summit

Home Office First UA972-529-5085 315-451-2544

Agent Service Center 800-925-7355 or e-mail agencyservice@torchmarkcorp.com

Supply Order Fax469-525-4290 attn: agency supply

Supply Order E-mailagentsupply@torchmarkcorp.com

Websites unitedamerican.com unitedamerican.com/logon firstunitedamerican.com firstunitedamerican.com/office www.torchmarkconvention.com

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: FIRST UA AGENTSAs of Aug. 10, 2013, First United American’s Flexible Premium Deferred Annuity (NYFPDA02) was no longer available for sale. We will notify you when a new annuity product becomes available for sale. Please contact the Home Office at 315-451-2544 with questions.

ATTN: FLORIDA AGENTSBelow are Florida rules for completing the MA15(09) or DMA15(09) Medicare Supplement application when an applicant is terminating group coverage. Note: applicants must be enrolled in Medicare Part B along with group coverage.

• Write ‘Special 60 Day Open Enrollment’ at the top of page three of the application

• Provide a copy of the insurance ID card• Provide a copy of the group termination letter if

coverage is involuntarily terminated• Answer question six (6) on the application as ‘Yes’ and

do not answer the health questionsPlease contact Agency Service at 1-800-925-7355 or e-mail agencyservice@torchmarkcorp.com with questions.

ATTN: VERMONT AGENTSUnited American’s Reserve Fund Annuity (RFA), that can help to pay calendar-year deductibles or copayments associated with ProCare Medicare Supplement Plans A, B, D, and HDF, is now available in Vermont. You may begin immediately writing RFAs with applications for ProCare Plans A, B, D, and HDF.

Go to the Agent website, ‘Products/Rates’, ‘Compliance Sheets’, ‘Life & Health Products’, ‘Vermont’, to download materials. Please contact Agency Service at 1-800-925-7355 or e-mail agencyservice@torchmarkcorp.com with questions.

REMINDER: ALL AGENTS• Company checks are acceptable from sole

proprietorships. Include Sole Proprietor Form SP 9-01 with the check. Do not accept company checks from any Limited Liability Company (LLC) or any Corporations. Only submit a voided check from a personal account.

• Don’t forget to indicate the correct plan code when submitting a Medicare Supplement application. The plan code is not the same as the plan type and is shown above the rate you quote to the customer. In this example, the Plan type is Plan A; the Plan code is 5A4 for a male and 5A5 for a female.

Please note location of the Plan Code on the First United American ProCare rate card.

MEDICARE SUPPLEMENT BENCHMARK REFUNDSUnited American and First United American give refunds and/or premium credits to ProCare Medicare Supplement policyholders issued these Medicare Supplement Plans effective as of Dec. 31, 2012, in the following states:

Arizona MSACalifornia MSB, MSF*Illinois MSB, Prestandardized PlansIndiana MSALouisiana MSBMichigan MSGMississippi Prestandardized PlansOhio MSA, Prestandardized PlansOklahoma MSF, MSGOregon MSF, MSGPennsylvania MSB, MSFSouth Dakota MSFTexas MSFUtah MSBWashington MSGWest Virginia MSF, Prestandardized PlansWisconsin MC48New York MSK

Some policyholders may receive between one and six month’s premium credit and others a refund. If a policyholder receives a premium credit, no commission is paid in association with this waiver period.

*MSF includes HDF

#UACONVENTION2013Wasn’t Convention at the Del amazing? Agent Gary Kempler definitely thought so when he penned this note to Chuck Mankamyer. “Dear Chuck, I simply want to thank you and United American for a fantastic trip to San Diego. The setting at the historic Hotel del Coronado was superb, and it was great getting to know the other Agents and their spouses. I am so looking forward to next year in New Orleans.”

Check out the 2013 Convention fun on YouTube at: http://youtu.be/0hvn6QOoVRI. If you didn’t make it to San Diego, New Orleans is calling in 2014.

INTEREST RATES SETThe Lifestyle Annuity rate for August 2013, is 3.00 percent. Rates are reviewed and adjusted accordingly. The Deposit Fund Rider new business interest rate for 2013 is 3.00 percent.

2 AUGUST 2013

WORDS OF WISDOM“If you work just for money, you’ll never make it. But if you love what you are doing, and always put the customer first, success will be yours.” ~ Ray Kroc

American businessman

Charles Mankamyer Senior Vice President / General Agents

You may remember the old Bob Dylan song, Times … They Are A Changin'.

Part of one particular verse seems especially appropriate these days:

"Come senators, congressmen, please heed the call; Don't stand in the doorway; don't block up the hall; There's a battle outside And it is ragin'; It'll soon shake your windows and rattle your walls; For the times they are a-changin' ."

It seems to me Congress has done little but ‘stand in the doorway’ and ‘block up the hall’ so we have unprecedented gridlock in Washington and a healthcare bill the majority of Americans don’t want. And we definitely have a battle raging nationally over the future of the Affordable Care Act (ACA).

CONCERNS ABOUT THE ACAAccording to a recent CBS poll, 54 percent of Americans disapprove of the healthcare law; 36 percent approve of it; and 10 percent say they don't know about it. A whopping 39 percent want Congress to repeal it — the highest percentage recorded in a CBS News poll to date. Labor unions, originally among the strongest supporters of the ACA, are changing their tune. Many union leaders are angry about unexpected consequences of the new law that may jeopardize health benefits for millions of their members and increase premiums for others.

Whether in response to concerns from the American public or because the administration underestimated its ability to implement parts of the bill, the government is easing requirements for

those seeking federal subsidies through the ACA. Easing requirements makes it easy to apply for assistance without submitting documentation to support the need for aid — basically eliminating any checks and balances. The government has also changed the implementation date of the employer mandate. The reason is likely due to the extensive submission requirements needed to implement the mandate. Some people feel the individual mandate could follow suit, because much of the same information is required to implement it. The more time goes by, the more convoluted the ACA becomes, and the more I see the possibilities increasing for fraud and abuse of the system.

FOCUS ON RECRUITINGFortunately, we can focus on the Senior market and the Medicare Advantage Annual Enrollment Period that’s approaching. According to a recent industry survey, 45 percent of America’s insurance brokers are considering leaving the under age 65 market. What a blessing that can be for you. Talented, experienced men and women will need to fill a professional and financial void, and you can be the one to provide it. Recruit now to build an Agent workforce to dramatically increase your 2013 earnings. UA offers free, live recruiting and training seminars around the country that can help you and your new team members get on the right track. Check the Agent website for upcoming dates and locations. And remember, Sept. 27, Senior Recruiter, Danielle Kirschner, is holding a Training Seminar at the Home Office in McKinney with special guest presenter, Christopher Graham, CLU. Chris has decades of industry experience and can teach you to achieve the same kind of success he has. This event is already filling up, so reserve your seat soon. You definitely don't want to miss this one!

MA SPECIAL ELECTION PERIODIf you can’t wait until Oct. 15, to sell to MA members, you may not need to. There are several Special Election Periods (SEP) related to Medicare Advantage members. If a Senior enrolls in a Medicare Advantage plan during his or her initial time to enroll in Medicare Parts A and B — generally around the person’s 65th birthday — he or she has a 12-month SEP to disenroll and return to Original Medicare. If the MA experience isn’t a positive one, MA members will be looking for an alternative ... and you have it.

Yes, times are a changin’, but it’s good for Agents selling Medicare Supplements. With the right preparation now, you can have a successful fourth quarter!

AUGUST 2013 3

Welcome ToWelcome to

Thank you for connecTing WiTh us!Thank you for connecTing wiTh us!United AmericAnAbbruzzese, JohnAbelson-Henig, CherylAbravanel, Arnold D.Ahmad, Said A.Alba, JavierAldip, DivinaAllred, KevinAlmeida, AlexAndrea, Joseph D. Jr.Aslin, JamesAtkins, BrianAustin, Stephen C.Averill, Glen A.Backstrom, ChristopherBaker, BarryBayer, Tina L.Bedford, Mary E.Beshears, Eddie C.Blakely, AndreBluestein, BrianBoslow, Marshal F.Boykin, Thomas C.Brandl, John J.Brodsky, Lawrence S.Bull, Darryl R.Burgan, DavidCaligiuri, Patrick J.Calzolano, MichaelCampbell, Gary A.Candia, Jose M.Caperna, Robert L.Carey, Dawn R.Carpenter, Edward T.Carpenter, SandraCatalano, Lee A.Cavanaugh, KelleyChen, MinrenCherry, Pamela J.Clark, JillClarke, ElviraClemens, RyanClement, MatthewCloenay, Shellee M.Cole, Stuart G.Collins, William B. Jr.Collins, Cynthia C.Cooper, William H.Dalla Santa, RobertDaughtry, CarissaDeans, Brian S.Debus Mollendor, Sharon K.Decker, Darrell

Delazzaro, Vincent E.Deleon, ValentineDell, Bradley R.Denis, RonDeutsch Insurance Associates, Inc.Dickerson, Richelle L.Diedrich, DavidDietz, RaymondDimsdale, Donald W.Dinardo, Daniel F.Dotson, Robert E.Duncan, Jimmie L.Dykman, William G. IIIEdwards, Robert E. IIEdwards, Stanley E.Elliott, David M.Erony, Michael D.Estrada, Roman H.Evans, John E.Fallick, Julius M.Farber, Pamela S.Farris, Carol A.Ferrell, Richard C.Fields, DavidFitzgerald, Timothy G.Flanders, Michael F.Flasck, Estelle D.Fontenot, DawnFoulke, CynthiaFoulke, Larry D.Fowler, Terry A.Freeman, JoannGarrett, Tommy F.Geist, Forrest L.Goebel, Richard L.Green, DouglasGreen, TabithaGresl, DavidGriffin, AnnGriffin, Richard O.Hanna, William H.Harrell, Jerry W.Harris, JohannaHart, Delbert M.Haskins, Robert P.Hawkins, RaymondHeath, LoisHenricks, Susan M.Henriquez, Lascelles G.Higgins, Michael P.Hoffman, Debra R.Holowsko, Valentino

Hose, John M.Houston, Ann R.Idowu, Steve O.Jackson, SharnellJarai, Charles G.Jarvis, Walter H.John Shuput AgencyJohnson, Gordon T. Jr.Johnson, Michael W.Jorgensen, John F.Kaminski, LechKellogg, Amy E.Kelly, Albert C.Khawaja, ShahidKirkpatrick, JimKohlman, David I.Konlon, Brian M.Kornfeld, Linda R.Kraft, JohnKralstein, David L.Kujimiyo, AdeLa Nave, VitoLabitoria, RoquitaLacarriere, RobertLallier, Marc P.Laska, Glenda M.Laube, Brent D.Lazaro, Karen K.Lefever, MelvinLeger, Robert E.Leighton, LauraLeisure, Frank A.Leitner, MelanyLewis, Tynesha R.Lifestyle Assurance, Inc.Lilova, Petia T.Lipschultz, RichardLockwood, Carrie J.Loewenthal, DannLopez, GladysLueiro, Michael C.Lundine, Daniel P.Lunyou, Wayne B.Lynch, ChrisMacArthur, Frederick D.Martindale, Vernon R.Matlock, PaulMay, Elisha A.McAlister, ReidMcCalmon, TomMcElveen, WillieMcMann, Pamela D.McNerney, Guillermina G.

Mergups, MikusMetzler, DelaphineMihalko, Robert J.Milano, Daniel C.Minear, Greg C.Mitchell, BrianMolina, Simon C.Monem, Sherif M.Moran, Edward P.Morganstein, Ronda S.Mosquera, Christian X.Mueller, LeniMurray, Edward W.Nacovsky, Carol M.Nagdeman, Cary M.Narkin, MichaelNygren, John T.Oaten, Karl W.Oxendine, GarrickPabst, Susan E.Paiva, JoanParedes, MiguelParker, Ezell H.Parr, Johnny B.Parrinello, LouisPascua, JenesePetchul, Dane A.Pettus, Betty L.Pfadenhauer, Ronald W.Pham, NamPhillips, RickPorter-Spaulding, Inc.Prabaker, P. V.Quinones, Manuel A.Rabaiotti, Marcia M.Ragle, Kimberly J.Raines, Walter J. IIIRathnam, John S.Raupp, Norman M.Reaves, JesseReid, Krista J.Reyes, Richard A.Reynolds, BessieRiley, Michael C.Rizzo, Thomas J.Rodriguez, RodrigoRonaldson, Kirk C.Rosado, Jose H.Rose, Valerie R.Rotenberg, JayRova, JamesRyerson, William C.Sabayrac, Louis

Sachs, NataliSagoo, Mukhtiar S.Salera, Roger D.Salmons, Michael G.Sandberg, Wayne E.Sarbone, IraSazonoff, Richard M.Sciarrino, Amedeo L.Senel, OktayShadowens, William W. Jr.Short, Gary A.Silva, FrankSilvaggio, Phyllis M.Sinclair, Elaine R.Singh, SahodaiSlagle, Steven L.Slapczynski, Mark C.Slutsky, Frederick M.Small, VirginiaSobocinski, Gregory M.Solomon, Yvette C.Songer, ChandanaSpawn, Matt L.Stanford, Charles H.Stedt, Margaret E.Stein, Harvey G.Steinberger, Moshe P.Stevenson, Arton D.Stith, Ronald C.Stone, Lynne M.Stranc, Roger L.Stuart, Kathy L.Stubblefield, Vernon R.Stuck, David A.Sutko, MarilynSwaim, Stella M.Swain, LindaTackett, Tommy A.Tanner, Jeffrey D.Tedrick, Kenetta B.Testa, DonaldThorossian, MaghsoodTomlinson, DouglasTornberg, KurtTruong, Louis T.Tsai, Shawn C.Turner, Stephen W.Urbach, Erich J.Vandenbrink, LindaVillarreal, Robert P.Vincent, Keith L.Vogelsang, Nancy K.Walsh, Michael L.

Wang, HsiaWard, Danny E.Warmke, TomWaton, DanielleWeisman, Robert A.Welcome, Curtis M.Wesley, ClaudenaWestbury, LarryWhite, Freddie G.Williams, William S.Williamson, ChristinaWilliamson, Urah T.Wilson, Maria R.Wilson, Michael D.Wolken, RichardWorkman, Penny M.Zahler, Leonard

FirSt United AmericAnAmsterdam Consulting Group, Inc.Andriola, RickBlackman, BonnieBolster, MariaBruno, Jerry M.Brutus, Robert L.Castro, Oscar R.Clement, MatthewGarfinkle, DavidGenciana, MilandroGoldberg, ClydeGrano, ChristopherLarson, Leslie J.Mizell, Esronald L.Mulford, Thomas J.Murphy, Kevin F.Parker, Rhonda M.Reddington, ArleneRWG Brokerage Corp.Scarpa, JosephSchoenbach, StacySeiden, JulieSidello, Michael A.Tanjutco, Carolina P.Towey Metzner, EileenTrentacosta, Joseph D.

4 AUGUST 2013

WHO NEEDSACCIDENT COVERAGE?

EVERYONE.WHO NEEDSACCIDENT COVERAGE?

EVERYONE!Accidents can happen to anyone at any time, but seem more prevalent during the summer season with seasonal activities like swimming, boating, biking, barbecuing, and hiking. Summer vacations also mean increased highway travel and increased potential for vehicular accidents.

Accidents can involve a minor cut or scrape, or result in the life-altering loss of a loved one. With United American’s and First United American’s $3,000 Accidental Death Policy (ADP) and UA’s Accident Compensation Plan (UA-250), Agents have the opportunity to offer a degree of financial protection to customers.

StatiSticS ShOw:*

◆ Of 4,000,000 injury-related deaths worldwide, 177,154 of those occur in the United States.

◆ An unintentional injury-related death occurs every four minutes.

◆ accidents are the leading cause of death among those 1 to 44 years old and the fifth leading cause of death overall.

Who needs accident coverage? EVERYONE! Use the $3,000 ADP as an introduction to UA or First UA. Whether you’re talking to a new or existing customer, this offer can get the ball rolling and help you transition to additional policies and/or provide you with referrals.

Want to brush up on your product awareness? Take the $3,000 ADP and UA-250 Brainshark training on the Agent website for the extra edge you need to gain your prospect’s trust and provide the protection they need.

*National Safety Council Injury Facts 2013 Edition

$3,000 aDP

◆ Great introductory product for UA/First UA

◆ Issue age 18-68

◆ Costs $10 a year for entire family, with no premium due until end of first policy year

◆ $3,000 coverage in case of accidental death of the policyholder or spouse, and $1,000 coverage for each child ($2,000 in FL)

Ua-250

◆ Pays cash benefits for accidental injury: choose lump sum or hospital-stay benefit

◆ Issue age 0-63

◆ 24 hours of coverage, on or off the job, plus Accidental Death Benefit

Noncancelable and Guaranteed Renewable

with premiums payable to policy anniversary following

insured’s 70th birthday.

United American’s

Accidental

Death Policy

$3,000Coverage for you

$3,000Coverage for

your spouse

$1,000Coverage for

each child

We can help you protect yourself and your

loved ones in case of an accident.

The Top Five Causes of

Unintentional Death are*:

1. Motor Vehicle

2. Falls

3. Poisoning

4. Choking

5. Fires, Smoke

Issue Ages 18 - 68

No premium is due until the end of the first policy year.

But coverage begins the day the application is signed.

• You 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 pay the premium, the plan will terminate and no premiums will

be due.

• Coverage is effective when the named insured or spouse signs the

application for insurance. If the spouse signs the application, the named

insured must be alive at time of signature.

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

This is only a brief description of United American's Accidental Death Insurance Policy, form UAINADP.

See policy for definitions. Noncancelable until the policy 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.

Accidental Death Coverage

for You and Your Family

F9238

Accidental Death Coverage

for You and Your Family

United American’s

Accidental

Death Policy

$3,000Coverage for you

$3,000Coverage for

your spouse

$1,000Coverage for

each child

UNITED AMERICAN

ACCIDENT

COMPENSATION

PLAN UA-250

◆ Issue ages 0-63

◆ No reduction in benefits for change of occupation

◆ Full 24 hours coverage – on or off the job

◆ Air travel included

◆ Worldwide coverage

UA-250 U5201 R94

Pays Cash Benefits for

Accidental Injury . . .

Choose: 1. Lump Sum

OR

2. Hospital Stay Benefit

. . . with Accidental Death Benefit

AUGUST 2013 5

It’s a world of technology, so make it work for you! United American recently revamped the United American consumer website at www.unitedamerican.com. Prospects can learn a lot about the Company before you ever make a sales presentation. Recruits can do the same by clicking ‘Work for Us’ at the top of the page or ‘Careers at UA’ at the bottom. If you aren’t familiar with the redesigned UA consumer site, get connected! Explore it yourself; encourage prospects, customers, and recruits to do the same. There is also a link at the bottom of the Home page for Agents to log into UAOnline.

Policyholder’s FAQ:

FAQ and answers about filing claims, getting duplicate policies, or

locating providers

Filing Claims:

Details how a policyholder files a claim

Why Choose United American?

Examines the four principles upon which UA operates —

stability, service, quality, commitment

Profile of United American:

Brief history of UA’s evolution from 1947 to the present, plus highlights of past and present

Company leaders, and UA’s strong industry ratings

Medicare Supplements:

Explains Medicare Supplements and why

they’re needed

Contact Us:

Consumers can request information 24/7, or call or fax us during

business hours

E-Service Center:

Offers online assistance 24/7

Insurance 101:

Explanation of why people need various

types of insurance

Insurance for Individuals:

Short description of UA’s main products and how they fit into an overall insurance

protection strategy

Customer Service Center:

Illustrates how and where to get information, as well

as phone numbers, fax numbers, and office hours

AUGUST 2013 7 6 AUGUST 2013

A new FIrst UnIted AmerIcAn consUmer sIte Is comIng soon!

A new First United AmericAn consUmer site is coming soon!

With the Medicare Advantage Annual Enrollment Period approaching, get ready to hit the ground running on October 15. Are you well-staffed, or do you need to add to your Agency? Now is the time to find your next top producer. Here are a few tips to help you find people to add quality and quantity to your team and your production! And don’t forget - you can order preapproved recruiting ads from the Ad Catalog at UAOnline.

#1. Create a positive recruitment message

Post it on your website, on job boards, in industry newsletters, or in local or county newspapers to increase your chances of attracting top talent to boost your bottom line. Include only Company approved information about our product portfolio, earning potential, and opportunities for advancement.

#2. Look outside the insurance industry

Don’t ignore the vast numbers of men and women outside the insurance industry with a proven track record in areas like financial services, real estate, and other types of sales. According to Insurance Hiring System, 67 percent of insurers hire top producers from other industries. Look for strong sales people and individuals with good people skills. When you meet one in your daily activities, talk to him or her about joining your team.

#3. Tell customers

Mention to customers you’re looking for individuals to join your Agency and ask if they know someone who might be interested. Customers know you, the kind of service you provide, and the products you offer. They may be interested themselves or have a son, daughter, niece, nephew, brother, or sister looking for a new career opportunity. Remember, everyone can be a potential recruit!

#4. Join local branches of national insurance associations

Meeting other industry professionals allows you to network and form valuable relationships. These contacts may know of individuals looking for a new opportunity who are just perfect for your organization.

#6. Form an ongoing relationship with your community career center or unemployment office

Let them know you are looking for licensed Agents and what you want in terms of education, skills, and work experience. They may have a list of potential recruits for you!

#5. Attend job fairs … especially at local colleges

College graduates don’t have experience or licenses yet, but they can get both. With no preconceptions of how an insurance Agency operates, they also are highly trainable. Encourage them to pursue a career in the insurance industry.

Source: http://www.ehow.com/how_6748955_recruit-insurance-agents.html 8 AUGUST 2013

Boost YourSales Savvy

Some TopicsCovered Are:

Are you new to UA/First UA

or new to selling

Medicare Supplements?

Want to learn more about United American, increase your presentation skills, and be more effective in the Senior Market? UA can help. Attend one (or more)

of our live recruiting and training seminars to increase your personal Medicare Supplement knowledge, learn how to attract the best recruits to your Agency,

and explore the unlimited opportunities United American offers.

1Rating as of 6/13 by A.M. Best Company2Limited to 6th policy year on Guaranteed Issue Medicare Advantage replacements; not applicable in WA.

Attend a Wednesday webinar,

‘Appointed. Now What?’ and learn from our skilled Directors about

successfully selling ProCare Medicare Supplements.

Attend a live recruiting and training seminar and gain the edge you need for success in the Senior market! The calendar on the Agent website at UAOnline is updated

regularly, so check for exact dates and locations or contact your Director or Recruiter.

We want to help you succeed in 2013!!

UA’s A+ (Superior)1 Financial Strength

Rating for more than 35 consecutive years

Baby Boomers, Medicare Supplements, and UA’s

#1 Marketing Plan

Quality Lead Program

Lifetime Level Vested Renewals2

Other UA Products (Life, Cancer, Critical

Illness, Annuities with 3% guaranteed interest rate)

AUGUST 2013 9

#2

#2

#3

#3

#4

#4

#5

#5

#1

#1

PresidenT's cluB

PaceseTTers cluB

6. Ron ConCklin Rosenberg-Concklin, Inc.

7. RobeRt M. WRobleWski SOS Insurance Group

8. Paul sWeeney Quality First Insurance Agency, Inc.

9. John staMPeR Choice Plus Benefits

10. shaWn t. sChRoedeR Jack Schroeder & Associates, Inc.

11. aMeRiCan eagle Consultants, inC.

12. MaRk helleR Heller Insurance Agency

13. John J. Costa Agent Services of America

14. John steven CaRRan

15. Paul t. sheldon Paul Sheldon Insurance & Benefits Planning

16. RiChaRd d. sakhaRoff Security Benefits Group, Inc.

17. JosePh Maisonet Maisonet Insurance Agency

18. david k. daniels David K. Daniels & Associates

19. PeteR s. gelbWaks Gelbwaks Executive Marketing Corp.

20. PhiliP b. oRtez JR. Phil & Kathy Ortez Insurance Agency, Inc.

21. fahed M. ulayyet Ulayyet Insurance Agency

22. CentuRion agenCy, ltd.

23. bRian W. baaCke Baacke Insurance Agency

24. eaRl d. dWoRkin Dworkin Insurance Agency

25. stuaRt alan Senior Care Insurance Center

26. sCott J. sChWaRtz Schwartz Insurance Agency

27. nayeeM siddique Siddique Insurance Agency

28. sandy a. JaCobson Jacobson Insurance Agency

29. thoMas g. statkeWiCz Sylvan-James Associates, Inc.

30. WilliaM l. taMiso Southeastern Insurance Agency

6. gaRy s. keMPleR

7. RobeRt holzMan

8. edWaRd a. CatRon

9. MiChael kline

10. John W. staMPeR

11. Paul t. sheldon

12. Jon ahlbuM

13. ChRistoPheR n. gRahaM

14. RiChaRd d. sakhaRoff

15. aaRon goRdon

16. fahed M. ulayyet

17. sandRa k. stevens

18. MattheW bRoWn

19. RogeR a. gRady JR.

20. eaRl d. dWoRkin

21. viCtoRia a. MaJoR

22. kenneth R. delauteR JR.

23. PhiliP b. oRtez JR.

24. david stoCkdale

25. alexandeR e. MaiRano

26. RobeRt v. tantillo

27. MaRCie Maisonet

28. sCott J. sChWaRtz

29. John C. lovelaCe

30. JaCkson edWaRds iv

Through July 2013, 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.

Mike leMaR Sunshine State Agency

Ray stevens

Ray stevens Stevens & Associates Insurance Agency

keRRy saChs

sCott e. MedniCk Professional Insurance Systems of Florida

devin M. baRta

CatheRine e. hatton Long Island Insurance Solutions

MaRk helleR

Jon ahlbuM The Ahlbum Group

tiM ahlbuM

10 AUGUST 2013

Look for your name on Facebook and Twitter!

1. Jon ahlbuM The Ahlbum Group

2. Mike leMaR Sunshine State Agency

3. Ray stevens Stevens & Associates Insurance Agency

4. sCott e. MedniCk Professional Insurance Systems of Florida

5. CatheRine e. hatton Long Island Insurance Solutions

6. Ron ConCklin Rosenberg-Concklin, Inc.

7. RobeRt M. WRobleWski SOS Insurance Group

8. Paul sWeeney Quality First Insurance Agency, Inc.

9. John staMPeR Choice Plus Benefits

10. shaWn t. sChRoedeR Jack Schroeder & Associates, Inc.

11. aMeRiCan eagle Consultants, inC.

12. MaRk helleR Heller Insurance Agency

13. John J. Costa Agent Services of America

14. John steven CaRRan15. Paul t. sheldon

Paul Sheldon Insurance & Benefits Planning

16. RiChaRd d. sakhaRoff Security Benefits Group, Inc.

17. JosePh Maisonet Maisonet Insurance Agency

18. david k. daniels David K. Daniels & Associates

19. PeteR s. gelbWaks Gelbwaks Executive Marketing Corp.

20. PhiliP b. oRtez JR. Phil & Kathy Ortez Insurance Agency, Inc.

21. fahed M. ulayyet Ulayyet Insurance Agency

22. CentuRion agenCy, ltd.

23. bRian W. baaCke Baacke Insurance Agency

24. eaRl d. dWoRkin Dworkin Insurance Agency

25. stuaRt alan Senior Care Insurance Center

26. sCott J. sChWaRtz Schwartz Insurance Agency

27. nayeeM siddique Siddique Insurance Agency

28. sandy a. JaCobson Jacobson Insurance Agency

29. thoMas g. statkeWiCz Sylvan-James Associates, Inc.

30. WilliaM l. taMiso Southeastern Insurance Agency

1. MaCk M. daniels

2. teResa MaRotto

3. MaRita a. Robison

4. MiChael Johnson

5. Ronald C. Woodlief

6. geoRge a. WallaCe

7. Roy a. Malone

8. lee a. MCgRiggs

9. kenneth R. geMPeleR

10. laRRy n. huCkeba

11. Jesse e. bRoWn

12. denis b. MitChell

13. dennis f. sieRRa

14. oWen M. Metts

15. gRegoRy l. Johnson

16. RiChaRd l. goebel

17. MiChele M. MitChell

18. MaRk butCheR

19. WilliaM M. blaCkfoRd iii

20. CuRtis W. bRadsheR

21. John a. loWden

22. douglas s. heCk

23. debeRoh Johnson

24. fRed RiChaRdson

25. John R. MCbRayeR

26. vinCent Costa

27. RiChaRd M. boWes

28. anthony g. sMith

29. Randal l. bRuMitt

30. Julius JosePh

1. tiM ahlbuM

2. Ray stevens

3. keRRy saChs

4. devin M. baRta

5. MaRk helleR

6. gaRy s. keMPleR

7. RobeRt holzMan

8. edWaRd a. CatRon

9. MiChael kline

10. John W. staMPeR

11. Paul t. sheldon

12. Jon ahlbuM

13. ChRistoPheR n. gRahaM

14. RiChaRd d. sakhaRoff

15. aaRon goRdon

16. fahed M. ulayyet

17. sandRa k. stevens

18. MattheW bRoWn

19. RogeR a. gRady JR.

20. eaRl d. dWoRkin

21. viCtoRia a. MaJoR

22. kenneth R. delauteR JR.

23. PhiliP b. oRtez JR.

24. david stoCkdale

25. alexandeR e. MaiRano

26. RobeRt v. tantillo

27. MaRCie Maisonet

28. sCott J. sChWaRtz

29. John C. lovelaCe

30. JaCkson edWaRds iv

1. MaCk M. daniels Daniels Insurance Agency

2. teResa s. MaRotto American Insurance Center, LLC

3. MaRita a. Robison Robison Insurance Agency

4. RobeRt M. WRobleWski SOS Insurance Group

5. MiChael Johnson Johnson Insurance Agency

6. Ronald C. Woodlief Woodlief Insurance Agency

7. geoRge a. WallaCe Wallace Insurance Agency

8. ChaRles a. loPeR JR. Loper Insurance Agency

9. Mike stevens Farm & Ranch Healthcare, Inc.

10. kenneth R. geMPeleR Gempeler Insurance Agency

11. laRRy n. huCkeba Huckeba Insurance Agency

12. Jon ahlbuM The Ahlbum Group

13. Jesse e. bRoWn Brown Insurance Agency

14. Mike leMaR Sunshine State Agency

15. denis b. MitChell Mitchell Insurance Agency

16. oWen e. Metts Metts Insurance Agency

17. gRegoRy l. Johnson Johnson Insurance Agency

18. RiChaRd l. goebel Goebel Insurance Agency

19. MaRk butCheR Butcher Insurance Agency

20. WilliaM M. blaCkfoRd iii Blackford Insurance Agency

21. CuRtis W. bRadsheR Bradsher Insurance Agency

22. aRland d. PoWell ADP Enterprises

23. fRed RiChaRdson The Richardson Group

24. John R. MCbRayeR McBrayer Agency

25. vinCent Costa Costa Insurance Agency

26. RiChaRd M. boWes Bowes Insurance Agency

27. anthony g. sMith Smith Insurance Agency

28. Randal l. bRuMitt Brumitt Insurance Agency

29. Julius JosePh Joseph Insurance Agency

30. saMuel C. CoRey iii The Brokerage Resource, Inc.

Look for your name on Facebook and Twitter!

AUGUST 2013 11

life healTh

ge

ne

ra

l a

ge

nT

sW

riT

ing

ag

en

Ts

life healTh

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

WRi

tin

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.

It’s The

Big Easy

in 2014!

The Roosevelt New Orleans June 26-29, 2014