JUNE 2019

JULY 2019 WEBINARS

Be sure to take advantage of the resources United American and Globe Life of New York have to offer such as our monthly webinars! In July, we’ll be discussing the topics below. For a full schedule of webinars, log on to the General Agency websites and navigate to the ‘Webinars’ tab.

GETTING STARTED WITH UA AND GLOBE LIFE OF NEW YORK

MARKETING YOUR INSURANCE BUSINESS (NEW!)

MEDICARE 101 WITH UNITED AMERICAN AND GLOBE LIFE OF NEW YORK

Are you new to UA or GLNY? START HERE! We'll give you a live tour of our Agent website along with important information on how to order supplies, how to submit business, and how to track your business online. In just one hour, you'll become familiar with all the products and resources that UA and Globe Life of NY have to offer.

Our latest training session will show you how to work smarter, not harder by leveraging today’s technology and social media to increase your presence in your community and attract new clients. We’re in the internet age- shouldn’t your marketing strategy be there too? Includes a sneak preview of what could be a game changing marketing tool for your Agency.

Get the essentials of Medicare in one hour! Learn all you need to know about the different parts of Medicare in order to make presenting Medigap plans a breeze. Your senior clients want to do business with a confident Subject Matter Expert (SME) who can understand their needs and clearly explain their options– and we’ll help you become one!

MEDICARE SUPPLEMENT AND WHOLE LIFE iGO e-APP CERTIFICATION

SELLING CLIENTS NEW TO MEDICARE: HOW TO SELL OUR MEDIGAP POLICIES

LEARNING THE SALES PROCESS

Attend an iGO® e-App Certification Webinar to get access to our electronic application. Learning to use the e-App is simple but critical to being successful. Along with how to use this tool and its features, you’ll find out its many benefits: how it can save you time and money all while helping you write more business.

Learn how to find and identify new clients, how to establish rapport, and ask the right questions to conduct a review of their Medicare options. We’ll discuss presenting and selecting the right plan for their needs and completing the application, along with tips on buttoning up the sale, including how to get more referrals. A must for every serious Medigap Agent and Agency!

Brush up on your sales basics, from soup to nuts: setting goals, making appointments, giving presentations, responding to objections, closing successfully, and getting referrals. Whether you’re a new agent or a seasoned pro, this webinar covers the essentials of good selling every Agent should know.

INCREASE YOUR INCOME THROUGH PIVOTING

WHOLE LIFE FINAL EXPENSE AND JUVENILE PRODUCT TRAINING

WORKING YOUR SENIOR LEAD LIST

This 30-minute webinar will show you ways to supercharge your sales by fully taking care of your clients’ needs. We’ll present three simple pivoting techniques that have stood the test of time, and which anyone can use to be successful.

Discover the features and benefits of our whole life products. We'll cover best practices for completing applications, basic underwriting guidelines, and how to use our convenient rate calculators, plus some sales and presentation tips.

A lead list can yield great results- if you know how to work one thoroughly and effectively! We’ll present techniques you can use to approach these prospects, set appointments, and make more sales, and introduce you to the tools and resources UA and GLNY have available to help make it easy.

DIGITAL CONTENT CREATORMadilyn Castilleja

CREATIVE LEADKate Pevnev

GRAPHIC DESIGNERSDeborah EdelmannRebecca TranTate Tyler

EMAILeditor@torchmarkcorp.com to update information for Summit or to submit news for the Editor’s page.

HOME OFFICE(972) 529-5085

GLOBE LIFE OF NEW YORK(315) 451-7975 (Agent use only) glnyagency@torchmarkcorp.com

AGENT SERVICE CENTER 1-(800) 925-7355 or email agencyservice@torchmarkcorp.com

IGO E-APP® SUPPORT (214) 740-2662

WEBSITES unitedamerican.com/logon (for Agents) unitedamerican.com office.globelifeofnewyork.com (for Agents) globelifeofnewyork.com

Published regularly by United American Insurance Company and Globe Life Insurance Company of New York 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.

Agents mentioned in Summit will receive a print copy. All other copies are available on the General Agency sites.

Convention 2019 was a hit! Congratulations to all

the award winners; we hope you had the time of your life. Be

on the lookout for the July Summit where we’ll recap all the fun we had

in Las Vegas – maybe you’ll be featured!

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@unitedamericantwitter

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@unitedamerican

2 PB Jun 2019 Jun 2019

Charles MankamyerPresident of General Agents

RECRUITING NEW AGENTS IS A priority for United American and Globe Life of New York. When I see

those names listed each month on page four of Summit, I am energized. With 10,000 Seniors turning 65 every day in this country1, there is plenty of activity to keep those Agents busy and to help them create the success they want and deserve.

IGO E-APPAre your new Agents taking advantage of the e-App? With the hundreds of new Agents who have joined our team since January, many Agents are new to the resource. UA and Globe Life of New York Agents can use any available screen-sharing service, in conjunction with the iGO e-App, to assist customers when initiating the application process via the telephone (must be licensed and appointed in states where selling). Agents

must be certified to use the e-App, but don’t worry, we offer online on-demand webinars available to Agents at any time. Visit the General Agency websites and navigate to the e-App section.

BEYOND MEDICARE SUPPLEMENTSYou can offer other valuable products to both your Senior customers and those under 65. UA offers the Cash Benefit Cancer policy with issue ages 0 to 69 (0 to 64 in CA) and can be a great add-on for many younger Seniors. HealthGuard, UA’s critical illness policy, is available for issue ages 18-64; be sure customers understand benefits reduce by 50 percent when they hit 65. Finally, don’t forget about the Fundamental Life Series™. Please remember to adhere to all laws and regulations applicable to cross-selling Medicare Supplement sales in the states in which you sell.

A Cash Cancer or HealthGuard critical illness policy provides them with needed cash to deal with a cancer diagnosis, heart attack, or stroke. Both offer some degree of financial protection if a breadwinner is unable to work and provide for his/her family and can dramatically increase your production.

"IT’S BEEN A GREAT YEAR SO FAR FOR UNITED AMERICAN AND GLOBE LIFE OF NEW YORK, AND IT WILL ONLY GET BETTER."

I had such a great time with all of you in Las Vegas this month, so much that we’ll recap it all in the next Summit, so be on the lookout – you just may be in it!

WHEN YOU BELIEVE IN YOUR DREAM AND YOUR VISION, THEN IT BEGINS TO ATTRACT ITS OWN RESOURCES. NO ONE WAS BORN TO BE A FAILURE. – Myles Munroe

PERSPECTIVE

1 The Fiscal Times, 10,000 Boomers Turn 65 Every Day. Can Medicare and Social Security Handle It?, 2017

PB 3 Jun 2019 Jun 2019

UNITED AMERICAN401K PROSACHIN, DENNISADEWUMI, DAVIDADVANCE SENIOR

OPTIONS, LLCAJELLO, YOUNGALEXANDER, BRADFORDALLEN, FERNANDOALMANZA, FLORANDRE, TARAATKINS, ANALISEATONFACK, GUYAVERSA, JASENAYERS, JOSEPHBAPTISTE, HERMANBARGER, EDWARDBARKSDALE, STEVENBARNES, DONNABATCHELOR, BANELBAUMAN, GERALDBAVARO, NICHOLASBAYODE, OLUFEMIBEAL, MARLONBELK, REGINALDBELLAMY, TROYBENDER, JOELBETTER LIFE FINANCIAL

GROUP, LLCBIFS, LLCBLACK JR., WILLIAMBLANCHARD, THOMASBLOKHA, ANNABOHANAN, LISABOLIN, DANIELBOLIVAR, CARLOSBONARRIGO, MARYBOWERMAN, JACKBOYER, GENELLBRADDOCK, DANIELBRADDOCK II, GEORGEBRATTON, THERESABRAWNER, JAMESBROOKE, ROBERTBROOKS, AUGUSTABROWN, LAURIEBRYDON, RUSSELLBRYSON, CHARLESBUCK, CURLEYBURKE, EDMUNDBURKS, DARNELLBUSCH, KENNETHBUTLER INSURANCE SERVICESBYRD, WILLIAMC&R BENEFITS CENTER, LLCCALDWELL, TONICAMPBELL, CLARENCECAPITAL TRUST SERVICE, INC.CARNAHAN, ERNIECARTER, FRANKCARTER, JUDITHCASEY, ALICIACATRINO JR., ARTHURCAUDILLO, BRIANCEPHAS, STEPHENCHAVIS, PEGGYCHIN-OKOYE, JULIETTCHRISTIANSEN, EVACLARKE, QUENTINCOLEMAN, RONALDCOLLINS, BARRICKCOLON, ELLISCOPENHAVER, JAMESCOSTELLO, WENDYC-QUEST, INC.CRANDELL, MARCUSCRANDEN, MARYCRAWFORD III, KENNETHCROSS, MOSES

CRUDUP, KEVINCRUZ, MARIACUDGMA, STEVEND’ALO, CARMELLADAMME, BOYDD’AMORA, ROBERTDANIELS, RICARDODARDEN, DEVONDAUGHERTY, DANIELDAVIS, EMMANUELDAVIS, GEORGEDAVIS, JERODDAVIS, JULIEDAY, DEANNADECOCK, JOHNDENHOF, BETTYDINH, KHEMARANDIOSA, MONICADIXON, TENNILLEDON PAGE AGENCY, INC.DORN, JEFFRYDRECK, INC.DRORI, TOMD’SOUZA, ANILDUARTE, CHERYLDUMMER, CARLDUREE, JOHNDURR SUMNER, JOCLYNEASTER, DEBORAHEBANKS, NICOLAEDWARDS, MOLLIEENGLISH, SAMUELESPINOSA, JAMESESTRADA, ELSAEVANS, JAMESEVANS, MARKEXCELSIOR BUSINESS

PARTNERSFAHIE, SHAIEDFAULKNER, TIMOTHYFAUSTIN, ARBISFAYLE, SHANNONFEDEROVITCH, WANDAFELIX, JULIOFELLOWSHIP FOUNDATION

ORGANIZATIONFERNANDEZ, LUISFETKE, YOLANDAFINLEY, TANYAFISHER, KEITAFLOWERS, WALTERFORDHAM, HEATHERFORTUNE, DAVIDFOSTER, WENDYFOWLER, BRIANFRANCOIS, TERRAINEFREEBORN, STEVENFRIDRICH, JOSEPHFULL FINANCIAL

SERVICES, INC.GALLOWAY, CAROLGAMBLE, CLARENCEGAO, JIANGARRETT, GREGGATES, JEFFGEARHART, JAMESGILMORE SR., RONALDGLS CONSULTANTS, LLCGOMEZ, CESARGOODMAN, RONDIGOODSON, MINDYGREEN, DOMINQUEGREEN, DONALDGRIFFITH, DOLYEGUGINO, DANIELHAMLIN, STEVEHAMMOCK, NANCYHARGROVE, WENDYHARRELL INS & FINANCIAL

SRVCS, INC.

HARRIS, VICTORHART, MINGHAYDEN, WANDAHAYES, CATHERINEHE, MAN-QINHEAD, BECKYHEBB, HOPEHENDERSON, EMILYHENDRICKS, BRIANHENKEL, JONATHANHERNANDEZ, ELIZABETHHERNANDEZ, RANULFOHERRON, JOHNHESTER, KENNETHHEWETT, PHILIPHICKS, DEXTERHILDEBRANDT, WILLIAMHINTON, CARMENHOGAN, LALINDAHOLKER, KYLEHOLLAR, RAYMONDHONOWITZ, STEPHENHOOFNAGLE, BRIANHORNE, JIMMIEHORTON, SHERMANHOWARD, SHANNONHOWELLS, TAYLORHOYT, RONALDHREEN, HELENHUMPHREY SR., RAYHUNSAKER, CLYDEIBHAGUI, RICHARDIMPACT WEALTH GROUP, LLCINTEGRITY AGENCY CORPIYER, BHUVANAJAMES, BRENDAJEANIS, FRANCOISJEFFERS, PRISCILLAJENKINS, JESSEJENMAR INSURANCE

SERVICES, INC.JENNINGS, BRYONJETER, LATRICEJMS VISIONARY

CONCEPTS, INC.JOHANNES, DAVIDJOHNSON, GILBERTJOHNSON, JOHNEYJOHNSON, MICHAELJOHNSON, TIFFANYJOHNSON II, MILTONJONES, RICHARDJONES, TIMJONES, TIMOTHYJOOS, RICHARDJUAREZ, CARLOSJUNIO, JOEJUSTICE II, JAMESKAHANDO, JACQUELINEKAYEUM, SUSANKEEL, JAMESKEM-BUMBALA, HUMPHREYKENNEDY, CHARLESKEOUGH, PAULKERNS, SAMUELKIEHNE, SHAWNKING, CYRUSKING, JOHNNYKIRKLAND, LAVONNEKMS FINANCIAL GROUP, LLCKNOWLES, ANDREAKOSMISKI, STEVENKOVIT, ALANKRAMER AGENCY, INC.KRUIS, DAVIDKUMBLATH, GEETAKUTZER, SARAHLAMPKINS, JOHNLANDING INSURANCE

GROUP, LLC

LAURUS FINANCIAL, LLCLAWRENCE, CONRADLAZNOW, CRAIGLEE, SHARONLEGACY ADVISORS, INC.LEGACY FINANCIAL

GROUP, LLCLEVEQUE, BRADLEWIS, DAKODALEWIS, JASONLEWIS, KARENLIGHTBOURN, JAZMINLINDSEY, MICHAELLODIN, CIARRALOHEZIC, MARTINLOMAX, MCLANELONG, RONALDLONG, TERRILONGO, JOSEPHLOS & ASSOCIATES, INC.LOVELESS, DANIELMAHONEY, THOMASMAILE, JOHNMAJUSTE, ARSENEMAKAREVICH, EDWINMAKRIS, GERISMANCINI, BRANDIEMANN, TIMOTHYMARCELLIN, OSMUNDMARLIN, ANTHONYMARSHALL, LINDAMCCLELLAN, CORTNEYMCCLELLON, DEREKMCCONAHY, STEPHANIEMCDONALD, JAMESMCDONALD, MAUREENMCDONALD-LEAVITT INS

AGENCY, INC.MEDICARE SUP SALES, LLCMEDLEY, CARLMEHALICK, BERNARDMEJIA, MARIAMEOLI, NICHOLASMEREIGH-BRADHAM, JUNEMEYERS, IRENEMICHAELS, SARAMILLER, SHERRIMILLER, SYLVIAMILLS, JESSEMILTON, MARLANMONGELLI, DANIELMONTELONGO, JULIOMONTGRAIN, PAULMOONEY, JOHNMOORE, BENJAMINMOORE, COURTNEYMOORE, GERALDMORALES, RAULMORANZ, WALTERMORRIS, DANAMOSSOP, STACEYMULLIS, JAMESMYHRE, TIMOTHYMYLES, KENNETHNELSON, MARKNGUYEN, LISANICOLAIDES, GINANJOBAM, BRIANNJOWUSI, VICTORNUNN, CLEMENSTENEOCHOA, ALBERTOOCHOA, MARTAELENAOLAMIDE, KEMISOLAOSTER, ERICOWENS, JONATHANPADILLA, TONYPALAY, ALANPALMATIER, PATRICKPARISH, KWAMEPECAYO, JOSEPH

PECK, SUSANPELTON-BENNETT, MICHELEPETERS, DAVIDPHAM, THUANPLACHECKI, WOJCIECHPLUNK, GARENPOE, TODDPOINDEXTER, CHRISTINAPOINTER, ANTONIOPOLLACK, LORETTAPORCHE, CHERELLEPRASHAD, SHRIPREWITT, JOHNPROPHETE, RONYPROTAS, BRADLEYQUINONES, GEORGERAMOS, JOHNRATCLIFF, BRACYREEVES, BUDREEVES, LORRAINEREGAN, JASONRENEAU, GILESRENFROE, PAULRIDDICK, YVONNERIOS, JOSERIPLEY INSURANCE &

INVESTMENT, INC.RIVERA, LUISROGERS, MARGARETROMERO, DAVIDROSEMAN, ERNESTROSS, KENNETHROY, JASONRUSSELL, ANDYSANDERS, ANTHONYSANTUCCI, NEOMASCHELLBACH, MICHAELSCHNECK, PHILIPSCHOONE, PATRICIASCHUSTER, VALERIESCLAFANI, CHRISTOPHERSCOTT, VIOLASEDLACEK-LEWIS, CATHERINESENIOR INSURANCE

SOLUTIONS, LLCSHEIKH, FEROZESHERWOOD, NEALSILVEIRA, VICTORSILVERBERG, MARKSIMON, STUARTSITOWSKI JR., DOMINICSKALE, ELEANORSLAPE, SANDRASLATE, ERICSMITH, CASEYSMITH, LESTERSMITH, MARTINSMITH-FARROW, MASHAYSMYTH-GRATES, LINDASPENCER, MICHELESTEED, ANGELASTEPHENS, MICHAELSTEPHENS, RAYSTONOV, IRINASTRINGER, JOESTRONG FAMILY

FINANCIAL, LLCSTUCK, DONALDSTURGILL, JIMMYSUMNER, JOHNTAMBASCIA, BERNICETANYINGU, GEORGETATE, KEITHTAYLOR, JOCELYNTAYLOR, TYTEITELMAN, RICHARDTHAKORE, VINCENTTHOMAS, DIANETHOMPSON, ROSHIKATIBBLES, EUGENE

TIETZ, LEOTODD, KIMBERLYTOLMAN, FERRELLTOMAS, HERBERTTOMLIN BENEFIT

PLANNING, INC.TRIFARO, THOMASTRIPPE, SHARONTROMBLEY, DAVIDTRUJILLO, MICHAELTUCKER, SHANATUNIS, EVANTURNQUIST, FELICIAVELORO, GABRIELVELORO, PERCIVALVICK, STUARTVINING, GERALDVOLOSHYN, VIKTORWAGNER, JAMESWALKER, DEANWALLACE INSURANCE

SERVICES, INC.WALTER, MARKWALTERS, JOSEPHWARD, JASONWARE, ALANWARREN, DARLENEWATSON, LYNNEWATSON, SIDNEYWEIDNER, WILLIAMWELLS, DONALDWHITTIER, JASONWILLIAMS, ANNWILLIAMS, DAWNWILLIAMSON, CHERYLWILLIS, BARONWILLIS, BENNETTWINGATE, TIFFANYWISE, ANDREAWOODS, DEBRAWOODS, JESSICAWOOTEN-CHAPPLE, ASHLEAWRIGHT, KEITHWYATT, PATRICIAXAVIER, HUBERTZHENG, JIEZOKOE, MARYZWEBER, JEFFREY

GLOBE LIFE OF NEW YORK

ADAMS, FLORELLAADVANCED BUSINESS

CONSULTANTS, LLCBIRNBAUM, RONALDBLAND, VERMABOLT, KEITHBURGOS, CHRISTOPHERBUTT, AMIRCOLOMBA, MICHELEFERRI, JOHNHILTON, ROBESONJACKSON, DANIELL&T INSURANCE AGENCY

INCORPORATEDLHERISSON, BERNARDLORENZO, A.OVED, SHLOMOPOMPOSELLI, ANTONIAROBERTI, SANDRASCHRANK, DAVIDWEINER, ROBERTWINDER, LEE

WELCOME TO

4 PB Jun 2019 Jun 2019

LEADSOnce you learn how our insurance products work, you should have an effective way to locate qualified prospects. There was a time in the past when the approach was done randomly, door-to-door. Today, a time-saving system that will drive sales to Seniors is learning how to effectively work leads.

Learn from our lead vendors. We have added several NEW resources for acquiring quality leads. Several of them are highlighted in this month’s Summit. Purchasing the type of lead you want to work from a proven LEAD provider is smart business.

Effective use of your time and resources will increase your income. Leads give you the opportunities to reach out to the type of prospect you want to sell to. A lead is information on how to locate a prospect that may develop into a sale/policyholder.

Approach prospects that need the insurance coverage you can provide. Leads will identify who these people are, helping you prepare in advance on the products you want to present.

Drive your sales by seeing more prospects. A tip to be successful in selling is to know your numbers. The more presentations you give, the more sales you will make. Leads will help get you in front of several prospects each day.

Sales to Seniors is the market you have chosen. With 10,000 people turning 65 every day¹, you made the right choice. A Senior could be considered anyone 50 or older. We have life and cancer products for everyone over 50, and they can add Medicare Supplement insurance once they are over the age of 65.

WHERE ARE THE SENIORS?The most challenging part of successful selling is being able to locate qualified prospects. Leads can provide you a direct path to the prospects who need to discuss their insurance needs. Help grow your business through increased sales by investing your time and money into developing a “LEADS” system.

Build your business through increased sales! Invest in LEADS.

1. The Fiscal Times, 10,000 Boomers Turn 65 Every Day. Can Medicare and Social Security Handle It?, 2017

FROM THE

DIRECTOR'SCORNER

THOMAS HALLDirector of Salesand New Agents

PB 5 Jun 2019 Jun 2019

To review the full catalog, visit UAOnline and scroll to the right side of the page to find the Automated Supply Order Form & Ad Catalog link. Use the Supply Order Form to complete your order.

Life insurance can be an important part of anyone’s financial strategy, not just young families. As Seniors age, they may become more aware of the importance of final expense coverage and the advantages that comes with a policy. No Senior wants to leave his or her child with the expense of planning and paying for their funeral. As an Agent, you can help Seniors save their loved ones the heartache, stress, and financial burden when the inevitable happens.

In addition to covering final expenses, a life insurance policy can help Seniors:

� Leave a legacy to their children or grandchildren

� Pay off medical or mortgage debt

� Meet philanthropic goals by charitable contributions

There are a few ways to grow your life sales such as offering prospects and existing Medicare Supplement customers a no-cost Memorial Guide and/or MedFacts Kit. Schedule a time to stop by with the Memorial Guide or MedFacts Kit, and while you help them complete the guide or kit, transition to a discussion of their life insurance needs.*

You can also use print ads, flyers, and leave behinds from the General Agency Supply Order Form to spread your business around the community you serve. Take a look at the materials we offer!

*In CA and OH, no other products may be marketed during a ProCare® Medicare Supplement insurance policy sale. You must make a second appointment. In Maine, cross-selling during a ProCare® Medicare Supplement insurance policy sale is prohibited unless the consumer requests such solicitation and the products to be discussed are clearly identified to the consumer in writing at least 48 hours in advance of the appointment.

Brochures:FD786R FD113R

EXPLORELIFE!

Life Insurance For

Children

Ensures that cash will be thereLife 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 – 14*.

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 affordablePremiums 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 coverageStability - United American has been in the life and supplemental health insurance business since 1947.

Strength - For more than 40 consecutive years, United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 7/18).

© 2014-2018 United American Insurance Company. All rights reserved.FD113 R UAI2917 1018

*National Safety Council. (2017). Injury Facts®, 2017 Edition

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.

Facts:According to the Life Insurance and Market Research Association (LIMRA)*:

The most common reasons people do not buy (or do not buy more) life insurance are: 1) It is too expensive (63 percent), 2) Other financial priorities (61 percent), or 3) They already have enough coverage (52 percent).

“The top reason for owning life insurance in 2018 is to cover burial and other final expenses (90%)“

Half of all consumers want a primary financial advisor; 37 percent have one, 14 percent are looking for one.

Almost 3 in 10 (29 percent) of all consumers say they would research and buy life insurance online, up 7 percentage points from 2016.

About 20% of U.S. households say they would feel the financial adversity from the loss of their primary wage earner in just one month.

Did you know? The average cost of a funeral is over $8,500**. This doesn’t include additional costs, such as cemetery plot, monument, marker, or miscellaneous cash-advance charges such as flowers or an obituary.

If you’re thinking, “What about my Social Security death benefit?” Social Security pays a lump-sum death benefit of just $255 to your surviving spouse or children, and that’s only if they meet certain requirements***.

UA’s Final Expense Insurance Policy is easy. For less than $1 a day, you may be able to get final expense insurance coverage with benefit amounts ranging from $1,000 - $25,000▲.

As long as the policy remains in force, the policy benefit will be paid to your beneficiary upon your death.

*2018 Insurance Barometer Study, LIMRA**National Funeral Directors Association, www.nfda.org, 2017.***www.ssa.gov/survivorplan/ifyou7.htm.▲ Example based on a face amount at issue of $8,000 for a nonsmoker female, age

50, with a monthly premium of $25.96. This amounts to $0.93 using a 28-day billing calendar. Your actual policyholder premium may vary and is subject to underwriting. Benefit amounts range from $5,000 - $25,000 in WA.

FD786R UAI3030 1218© 2014-2018 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.

With UA’s Final Expense Policy, you may be able to reduce the burden upon your family by helping them cover these costs:

• Funeral Home

• Casket

• Cremation and Urn

• Cemetery Plot

• Marker/Headstone and Vault

• Hardship Travel for Loved Ones

Here’s the best part!• Final expense insurance provides permanent

lifetime coverage

• Accumulates cash and loan value

• Terminal Illness Accelerated Benefit Rider (ABR1) is included at no additional cost (where state approved)*. Upon proof of terminal illness (the insured has been diagnosed to have a non-correctable medical condition that with reasonable medical certainty, will result in the death of the insured within 12 months from the date on which this benefit is requested), rider pays 50% of current benefits available prior to death (where state approved), subject to provisions of this rider.

• No medical exam or attending physician statement required to apply

• Simplified application with personal health questions – family medical history not an issue

More things you should know:

• Issue ages 50-80 for standard rates**

• Spouse can apply as secondary applicant

• Premiums guaranteed level for life

• Face amounts level for life – never reduces

• Graded Death Benefit may be offered for certain health conditions that may be considered uninsurable***

* Not available on graded or substandard policies. Available where state approved for qualifying illness.

** 50-75 for tobacco users. Maximum issue age varies based on gender and tobacco use.

*** Policies with level benefit and substandard premium are available in states where graded death benefits are not state approved.

6 7 Jun 2019 Jun 2019

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AD-375

AD-140 AD-223 AD-222

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Lead Generators:

Leave Behinds:Lead Cards:

Print Ads:

Since 1947 we’ve grown into one of the nation’s leading insurers with thousands of local representatives across the nation. We believe in personal, one-to-one, local service for insurance. And that’s the way it ought to be. We offer additional ways to help you provide money for your family — money which can be used for:

UAI2020 0718

Funeral Expenses

Mortgage Payment in Case of Death

Living Expenses

Cancer Treatment

Medical Expenses

Monthly Income to Survivors

See your local United American Agent today for details.

For Local Service, Our Company Stands Above The RestMemorial Guide®

For Final Wishes and Requests

TMK0065 1116MG03 R3552

United American's Accidental Death Policy (Issue Ages 18-68) $3,000 $3,000 $1,000 Coverage for you Coverage for your spouse Coverage for each child

The Top Five Causes of Unintentional Death are*:No premium is due until the end of the first policy year. But coverage begins the day the application is signed.

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 161,374 Americans were killed by unintentional injury in 2016.

• An accidental death occurs every four minutes in the United States.

Noncancelable and Guaranteed Renewable with premiums payable to policy anniversary following insured’s 70th birthday.• 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.

*Source: National Safety Council ’s Injury Facts 2017 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.

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Accidental Death Coverage for You and Your Family

Motor Vehicle FallsPoison Choking Drowning

No Cost Offer Memorial Guide Print Ad - AD-223

AD-223 UAI0593AThis 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 UAI0593AThis 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.

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You Need This Valuable Information!

Memorial Guide Print Ad - AD-140

2 ColumnAD-140

3 ColumnAD-140

AD-140 1214This 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 1214This 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!

No Cost Offer Med Facts Kit Print Ad - AD-222

AD-222 UAI0593BThis 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 UAI0593BThis 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.

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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 �rst 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 fourth leading cause of death overall.

■ An estimated 136,053 Americans were killed by unintentional injury in 2014.

■ An accidental death occurs every four minutes in the United States.

*Source: National Safety Council’s Injury Facts 2016 Edition

Protect yourself and your loved ones in case of accident

To request your $3,000 Accidental Death Policy, contact

UAI2019 1117

This is only a brief description of United American’s Accidental Death Policy, form UAINADP. See policy for de�nitions. Noncancelable until the anniversary following your 70th birthday. Full details, including exceptions for payment of bene�ts, are in the policy. Insurance bene�ts provided by United American Insurance Company, 3700 S. Stonebridge Drive, McKinney, Texas 75070.

F9356 © 2017 United American Insurance Company. All rights reserved.

The average cost of a funeral is more than $8,755*. Social Security only pays a $255 lump-sum death benefit to your surviving spouse or children if they meet certain requirements**.

Final Expense Insurance could help your family cover these costs:

• Funeral Home• Casket

• Cremation and Urn• Cemetery Plot

• Marker/Headstone and Vault• Hardship Travel for Loved Ones

© 2019 United American Insurance Company. All rights reserved.

The policy described herein is not a preneed or prearranged funeral plan. This policy has some limitations and exclusions. Refer to your policy for actual coverage, benefit amounts, and terms. Plans, 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 may be contacted by a state-licensed Insurance Agent representing United American Insurance Company.

AD-375

P.O. BOX 8080 • MCKINNEY, TEXAS 75070

___________________________________________________________ ________Name Age

_________________________________________________________________ ________Spouse Age

____________________________________________________________________________Address (Street, City, State, ZIP)

_______________________________ __________________________________________Phone Email

I am interested in a quote for: ❑ $2,500 ❑ $5,000 ❑ Other: ______________

Do you currently have Final Expense coverage? ❑ Yes ❑ No

These policies have some limitations and exclusions. An Agent representing United American Insurance Company will contact you with details. This information

is FREE and there is no obligation. For an immediate response, call:

If you would like more information,

PLEASE FILL OUT THIS CARD This card is postage-paid — no stamp is necessary.

AD-375RC

UAI3058 0519

A United American Final Expense Insurance Policy may help your loved ones pay your final arrangements and meet daily costs of living needs.

United American’sFinal Expense Insurance

• Permanent lifetime coverage with benefit amounts ranging from $1,000 to $25,000

• Policies accumulate cash and loan value

• Spouse can apply as secondary applicant

Policy Forms SWL, SWLGD

Did you know?

*2017 National Funeral Directors Association General Price List

Planning now makes good financial sense!

BUSINESS REPLY MAIL FIRST-CLASS MAIL PERMIT NO. 25 MCKINNEY TX

NO POSTAGENECESSARYIF MAILED

IN THE UNITED STATES

POSTAGE WILL BE PAID BY ADDRESSEE

You work hard to take care of your family. But it may be difficult for your family to survive financially after you’re gone.

6 7 Jun 2019 Jun 2019

As we’ve said many times before, you’re in business for yourself, not by yourself when you contract with United American and Globe Life of New York.

Because of that, we’re constantly looking for ways to better serve our Agents.

With that in mind, we’d like to introduce some new lead vendors! Among many other things, lead vendors are a great way to up your sales for any specific product or market.

8 9 Jun 2019 Jun 2019

Benepath, Inc. of Newtown Square, PA provides Agents with exclusive insurance leads in product categories including Medicare, Life, Health, Group Health, and Commercial. With more than fifteen years in the lead generation business, Benepath has grown year over year, becoming a well-known and trusted provider in the insurance lead market.

Benepath Differentiators f Guaranteeing any lead distributed is sold to one and

only one agent or firm

f All leads are prospected by Benepath's internal marketing team

Medicare Program Highlights f Being filtered to remove falsified submissions before

distribution at no cost to you

f 70% historical contact rate of all leads generated

f 77% of our Medicare leads are under the age of 75

Mention the “Benepath article in Summit” and Benepath will give you $200 in aged leads for free, to help you get started. Phone: (866) 368-0377 | Email: sales@benepath.net | https://www.benepath.net/unitedamericaninsurancecompany/

Vibrant Leads offers high quality, real-time leads focused on the insurance industry, delivering thousands of high-intent, qualified consumers to our clients every day.

High Performing LeadsGood leads are the lifeblood of being an Agent. Vibrant Leads have solid contact and conversion rates.

No Contracts You do not need an account, contract, or membership to place an order.

Easy DeliveryReceive leads in real-time via email, text message, or both.

Customer ServiceVibrant Leads' support team is ready to assist you through email or phone.

Geo TargetingReceive only the leads that make sense. Free geographic targeting by ZIP code, county, and state.

You're in ControlAccess your full-service, online account 24/7 to control daily and weekly lead activities.

Differentiators f Offers one week of Agent transferred leads for $147

f 20 exclusive leads

(formerly Red Pepper Leads)

Final Expense Leads f Pay by the lead, minimum of 20 leads

f Senior direct mail leads (Med-Supp and Final Expense) return guarantees

� Mention this article and get 100 extra leads for free

f Mail to counties of Agent’s choosing

f Guaranteed 10 leads per 1,000 mailed or refunded pro-rated amount paid

Medicare Supplement Leads f Guaranteed minimum of 15 leads on

1,000 piece mailing

f Mail 90 days out from Seniors turning 65

f Dual eligible leads (4% –10% return per 1,000)

You can find the full list of pre-approved lead vendors on the General Agency websites under ‘Leads’.

8 9 Jun 2019 Jun 2019

United American Insurance Company’s Medicare Supplement Plan HDF offers the benefits of Plan F with an annual deductible of $2,300 in 2019.Medicare still pays all eligible benefits.

Example Medicare Claim*

Office Visit

$100

Medicare Pays Approved Amount

$80

Balance$20

If you had Plan F, it would pay $20.If you had Plan HDF, the $20 you pay would be applied to your deductible.

WHY PAY FOR CLAIMS YOU MAY NEVER HAVE?Check out the average claims of UA ProCare Plan F policyholders below.2017 UA ProCare Plan F Average Claim Amount**Ages Under 68 68–72 73+Average Claim

Amount$567 $658 $736

You should select a Medicare Supplement insurance product that is suitable to your needs and budget. United American offers a variety of quality Medicare Supplement plans to meet your needs.*For illustrative purposes only ** UA policies. United American Claims Data, claim amounts under

the 2017 $2,200 annual deductible, per company records 12/2018.

This High Deductible Plan F policy is attained-age rated in most states, which means premiums increase each year based on age. Policy Form

MSHDF10. Benefits from High Deductible Plan F begin when out-of-pocket expenses exceed the Medicare calendar-year deductible, $2,300 in 2019.

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. Some states require

these plans be available to persons eligible for Medicare due to disability. This is a solicitation for insurance and you may be contacted by an Agent

representing United American Insurance Company.

P.O. Box 8080McKinney, Texas 75070 www.unitedamerican.com© 2014–2019 United American Insurance Company. All rights reserved.

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?$201 $33 $168 × 12 = $2,016

* UA ProCare national average monthly premium, female, age 65 nonsmoker. Per Company records 05/18. For illustrative purposes only.

UAI2806 0119

FC657PREP FOR MED-SUPP SALES!We all know the biggest selling season of our year can take months of preparation to ensure your sales. To help you prepare, we’ve listed the materials available to you and tips on how to use them.

When selling to Seniors during enrollment periods, help prospects realize the true value of Medicare Supplement insurance plans by promoting their simplicity, ease of use, and stability:

• 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.

• Once Medicare-eligible, Seniors may purchase a Medicare Supplement any time during the year.

• There are NO network restrictions!

• Seniors can see any doctor or go to any health facility that accepts Medicare patients.

• In most cases, Seniors do not need referrals to see a specialist.

• If Seniors have a Medicare Supplement insurance plan in conjunction with Original Medicare, they may have NO out-of-pocket costs for covered services.

• Seniors never have to worry about being canceled due to ill health as long as their premiums are paid on time.

• 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.

Medicare Supplements — Great News For Seniors!

Did you know Medicare doesn’t cover many of

the hospital/medical expenses you can face?

Globe Life Insurance Company of New York May Be Able to Help

NO POSTAGENECESSARYIF MAILED

IN THE UNITED STATES

Globe Life Insurance Company of New York

POSTAGE WILL BE PAID BY ADDRESSEE

Globe Life Insurance Company of New York

BUSINESS REPLY MAILFIRST– CLASS MAIL PERMIT NO. MCKINNEY, TEXAS

*Based on Company records. 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 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. Excess charges are limited to 5% in New York. 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. Globe Life Insurance Company of New York is not connected with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. You may be contacted by an Agent representing Globe Life Insurance Company of New York. Outline of coverage provided upon request.

GNYLC-40

POST OFFICE BOX 3125 SYRACUSE, NEW YORK 132203125

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 Globe Life Insurance Company of New York 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.

GNYLC-40RC

You may be able to cut out-of-pocket expenses with quality Medicare Supplement insurance coveragePolicy Forms GNYMSA10, GNYMSB10, GNYMSC10, GNYMSD10, GNYMSF10, GNYMSHDF10, GNYMSG10, GNYMSK06, GNYMSL06, GNYMSN10

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. Subject to the terms and conditions of the policy.

➤ Personal one-on-one, professional Agent service.

Superior Financial Stability:

Our commitment to every policyholder is to provide the finest products, service, and stability!

GNY2286 1116©2017 Globe Life Insurance Company of New York. All rights reserved.

Consider direct lead mailers. Our suggested vendor list can be found on the General Agency website. Be sure to try out the new leads listed on page nine!

GNYLC-40

Lead Card:

Door Hanger:

10 11 Jun 2019 Jun 2019

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87

6

54

32

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 40 consecutive years, United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company for overall financial strength (as of 7/18)

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

* 2016 NAIC Medicare Supplement Loss Ratios in 2016 Medicare Supplement Insurance Experience Reports, September 2017.

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.

Top 10 ReasonsTo Choose United American Insurance Company for Medicare Supplement Insurance

AD-360 UAI2901 1218

© 2014–2018 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 in WI MC4810 and MC4810HD 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 Stage Renal Disease (ESRD).

AD-317 R18 UAI2166 1018

www.unitedamerican.com

MEDICARE ADVANTAGE MEMBERS OPEN ENROLLMENT PERIOD

Jan. 1 - Mar. 31

To learn more:

Learn the FACTS!Compare the Medicare Advantage plan benefits to Original Medicare and a Medicare Supplement insurance policy.Make sure you receive the benefits YOU DESERVE!

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 insurance policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSK06, MSL06, MSN10, and in WI MC4810

and MC4810HD are available from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability or End Stage Renal Disease (ESRD). This is a solicitation for insurance. You may

be contacted by an Agent representing United American Insurance Company.

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 insurance policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSK06, MSL06, MSN10, and in WI

MC4810 and MC4810HD are available from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability or End Stage Renal Disease (ESRD). This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company.AD-317 R18 UAI2166 1018

www.unitedamerican.com

MEDICARE ADVANTAGE MEMBERS OPEN ENROLLMENT PERIOD

Jan. 1 - Mar. 31

To learn more:

Learn the FACTS!Compare the Medicare Advantage plan benefits to Original Medicare

and a Medicare Supplement insurance policy.Make sure you receive the benefits YOU DESERVE!

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!

www.unitedamerican.com

To learn more:

Is your Medicare coverage checking all the boxes? A Medicare Supplement insurance policy does that and more!

*For more than 40 consecutive years, United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 7/17). 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.AD-332 UAI0561 1117

www.unitedamerican.com

* For more than 40 consecutive years, United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 7/17). 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.

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!

AD-332 UAI0561 1117

ATTENTION SENIORS ...

To learn more:

www.unitedamerican.com

AD-316 R18

If you are currently enrolled in a Medicare Advantage Plan … this is your opportunity!MEDICARE ADVANTAGE MEMBERS

OPEN ENROLLMENT PERIODJan. 1 - Mar. 31

*As long as premiums are paid on time. **Medicare Supplement Insurance Plan HDF, National Average, female age 65, nonsmoker. ***Rating as of 7/18. This rating refers only to the financial strength of the company and is not a

recommendation of the specific policy provisions, rates or practices of the 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 insurance policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSK06, MSL06, MSN10 and in WI MC4810 and MC4810HD

are available from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability or End Stage Renal Disease (ESRD). This is a solicitation for insurance. You may be contacted by an

Agent representing United American Insurance Company. UAI2166 1018

You have a one-time opportunity during the OEP to switch to Original Medicare and get a Medicare Supplement Insurance policy.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 insurance policy starting as low as $33 per month**

A+ (Superior) rating by A.M. Best Company for more than 40 consecutive years***

ATTENTION SENIORS ...

Policy Form XXXX

If you are currently enrolled in a Medicare Advantage Plan … this is your opportunity!

MEDICARE ADVANTAGE MEMBERS OPEN ENROLLMENT PERIODJan. 1 - Mar. 31

You have a one-time opportunity during the OEP to switch to Original Medicare and get a Medicare Supplement Insurance policy.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 insurance policy starting as low as $33 per month**

A+ (Superior) rating by A.M. Best Company for more than 40 consecutive years***

*As long as premiums are paid on time. **Medicare Supplement Insurance Plan HDF, National Average, female age 65, nonsmoker. ***Rating as of 7/18. This rating refers only to the financial strength of the company and is not a recommendation of the specific policy provisions, rates or practices of the 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 insurance policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSK06, MSL06, MSN10 and in WI MC4810 and MC4810HD are available from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability or End Stage Renal Disease (ESRD). This is a solicitation for

insurance. You may be contacted by an Agent representing United American Insurance Company.AD-316 R18 UAI2166 1018

www.unitedamerican.com

To learn more:

AD-235 R10

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 7/17. 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 0118

www.unitedamerican.com

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 7/17. 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 0118

www.unitedamerican.comwww.unitedamerican.com

AD-235 R10

AD-317 R18

AD-332

AD-316 R18

AD-235 R10

Print Ads:

Brochure:

To review the full catalog, visit UAOnline and scroll to the right side of the page to find the Automated Supply Order Form & Ad Catalog link. Use the Supply Order Form to complete your order.

AD-360

10 11 Jun 2019 Jun 2019

PROFILE FOR SUCCESS:

CORRIEBORDE

‘Profile for Success’ will feature Agents’ advice on

what it takes to excel in this industry. We’re asking Agents

who would like to share tips and techniques they think

other Agents will find helpful to email us. We’d like to

feature these Agents and their advice in Summit. Please

reach out to us by emailing editor @torchmarkcorp.com and we will work with you to

convey your expertise.

If someone showed you a policy or a certificate of insurance, would you know which is which? Corrie Borde knows the difference. He reads them word for word. Corrie reads the policies or certificates to make sure his clients are getting exactly what they signed up for because to him, that’s his responsibility as he firmly believes that the carriers and recommendations that he represents can affect lives. Corrie is also big on relationship-building. He’s advised against the purchase of a medical policy because it wasn’t the right fit. And what happened? The client called back and asked about ancillary products and referred other clients to him. Corrie maintained an honest dialogue and it worked for him, eventually ending up with sales.

When asked why he chose to become appointed with United American, Corrie said, “The Medicare Supplement offerings are written well:

• Guaranteed Renewable for life

• Portable

• Issue Age (may vary by state)

• Rate Stability

• For more than 40 consecutive years, UA has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 7/18).”

Investing his time and talents where he lives and works is important to Corrie. He works through multiple philanthropy organizations and continuously focuses on helping within his  community.

From engineering, to real estate and now insurance, Corrie only has one regret and that’s wishing he would have started in the insurance industry sooner. Despite the career changes, one thing has remained the same in Corrie’s professional life – the desire to connect with and help people.

12 PB Jun 2019 Jun 2019

2019 EAGLE CLUB

Top 10 GAs or Agencies with $1,000,000+ NAIP

2019 PACESETTERS CLUBTop 30 Writing Agents in NAIP

Featuring our Top 10

2019 ROOKIE OF THE YEAR

2019 PRESIDENT'S CLUB

11th–20th placed GAs or Agencies with $350,000+ NAIP

All 2019 Clubs and Award recipients below were rewarded based on their 2018 production with a requirement of 70% persistency.

Jon Ahlbum The Ahlbum Insurance

Group, Inc.

Mike Lemar Sunshine State

Agency

Mark Graham Amerilife

Bill Borosak Jr. Secure Future

Financial Group, LLC

Christopher Graham, CLU

Graham Financial Group

#1 #2 #3 #4 #5

Donna Ahlbum The Ahlbum Insurance

Group, Inc.

Catherine Hatton Long Island Insurance

Solutions

Ray Stevens Stevens & Associates

Insurance Agency

Tim Ahlbum Health Coverage

Solutions

Devin Barta Barta Insurance

Agency

#6 #7 #8 #9 #10

Paul Sheldon, CLU, ChFC

Tim Ahlbum David Haass Gina Savage Kerry Sachs

#1 #2 #3 #4 #5

Harley Hall Week Start: 3/13/18

Stephen DiBartolomeo

Week Start: 1/16/18

Brian Barrett Week Start: 9/21/18

Richard S. Week Start: 2/12/18

Steven Lowen Week Start: 8/02/18

#1 #2 #3 #4 #5

Ray Stevens Maria Cancio Scott Schwartz Christopher Graham, CLU

Robert Holzman

#6 #7 #8 #9 #10

Paul Sheldon, CLU, ChFC

Paul Sheldon Insurance & Benefits Planning

Edward Shackelford The Assurance Group

Gina Savage Medicare Specialist

Group

Sylvia Gordon Gordon Marketing

John Clark Senior Solutions

Insurance Agency

#1 #2 #3 #4 #5

Kerry Sachs Secure Retirement

Solutions

Scott Mednick Professional

Insurance Systems of Florida

Gary Owen Owen Insurance Group

Ron Concklin Rosenberg-Concklin

Mike Roth Senior Insurance Marketing, Inc.

#6 #7 #8 #9 #10

2019 CURRENT STANDINGS(THROUGH 06/15/19)

All Clubs and Awards are earned the previous year and require a 70% persistency. *Medicare Disability does NOT count for Clubs and Awards.

Total Business from You and Your Agency*

RANK AGENT NAME AGENCY YTD NAIP

Curre

ntly

on tr

ack t

o be a

202

0EA

GLE

1 Jon Ahlbum The Ahlbum Insurance Group, Inc. $2,943,776 2 Mike Lemar Sunshine State Agency 2,291,354 3 Mark Graham AmeriLife 1,842,416 4 William Borosak Jr. Secure Future Financial Group, LLC 1,162,291 5 Donna Ahlbum The Ahlbum Insurance Group, Inc. 906,655 6 Catherine Hatton Long Island Insurance Solutions 781,637 7 Sylvia Gordon Gordon Marketing 742,029 8 Ray Stevens Stevens & Associates Insurance Agency, Inc. 742,006 9 Tim Ahlbum Health Coverage Solutions 731,638

10 Christopher Graham, CLU Graham Financial Group, Inc. 681,298

Curre

ntly

on tr

ack t

o be i

n 202

0PR

ESID

ENT'S

CLU

B

11 John Clark Senior Solutions Insurance Agency 591,506 12 Devin Barta Barta Insurance Agency 571,440 13 Paul Sheldon, CLU, ChFC Paul Sheldon Insurance & Benefits Planning 556,008 14 Kerry Sachs Secure Retirement Solutions, Inc. 498,784 15 Edward Shackelford The Assurance Group, Inc. 493,552 16 Gina Savage Medicare Specialist Group 481,504 17 Gary Owen Owen Insurance Group 457,751 18 Scott Mednick Professional Insurance Systems of Florida 455,842 19 Aboul-Hosn Haitham Haitham Aboul-Hosn, LLC 449,443 20 Mike Roth Senior Insurance Marketing, Inc. 380,280

CONT

ENDE

RS

21 - Centerstone Insurance & Financial Svcs. 313,116 22 Vincent Abbatiello Mainstay Retirement Solutions 306,557 23 Jagger Esch Elite Insurance Partners, LLC 290,655 24 Ron Concklin Rosenberg-Concklin, Inc. 288,248 25 Shawn Schroeder Jack Schroeder & Associates, Inc. 276,625 26 Steven Lowen Lowen Insurance Agency 270,817 27 - James M. Gray, Inc. 257,034 28 Lisa Rosati Rosati Insurance Agency 236,472 29 Robert Wroblewski Palm Cove Insurance Solutions 229,039 30 - Erin Marketing, Inc. 220,851

Total Business from Writing Agent ONLY*

RANK AGENT NAME YTD NAIP

Curre

ntly

on tr

ack t

o be a

202

0TO

P 10

PAC

ESET

TER

1 Paul Sheldon, CLU, ChFC $553,992 2 Tim Ahlbum 329,894 3 Gina Savage 285,780 4 David Haass 227,931 5 Ray Stevens 193,380 6 Kerry Sachs 165,031 7 Jason Stevens 149,964 8 Scott Schwartz 149,232 9 Rick Bowes 133,032

10 Sandra Stevens 130,668

Curre

ntly

on tr

ack t

o be i

n 202

0PA

CESE

TTER

11 Christopher Graham, CLU 123,023 12 Dexter Saylor 122,315 13 Devin Barta 120,376 14 Gary Kempler 116,964 15 Lisa Rosati 116,292 16 Joseph Jaffe 112,432 17 Robert Holzman 111,000 18 Christopher Graham Jr. 108,936 19 Eugene Ranney 105,420 20 Brian Gilbert 104,266 21 Mark Hargis 104,226 22 Duane Rapini 103,907 23 Michele Malooley 100,146 24 Brian Barrett 98,028 25 Timothy Nordstrom 97,692 26 Russell Warner III 97,628 27 Nicholas Mangini 96,676 28 Mark Lasman 96,636 29 Catherine Hatton 92,728 30 Christian Balogh 91,068

#1

#2 #3 #4

#5 #6 #7

#8 #9 #10

Currently on track to be a 2020 EAGLE

#1

#2 #3 #4

#5 #6 #7

#8 #9 #10

Currently on track to be a 2020 TOP 10 PACESETTER

14 15 Jun 2019 Jun 2019

2019 CURRENT STANDINGS(THROUGH 06/15/19)

All Clubs and Awards are earned the previous year and require a 70% persistency. *Medicare Disability does NOT count for Clubs and Awards.

Total NAIP Increase Year over YearRANK AGENT NAME AGENCY YTD $ INCREASE % INCREASE

1 Jon Ahlbum The Ahlbum Insurance Group, Inc. $526,650 22%2 Mike Lemar Sunshine State Agency 466,516 26%3 Sylvia Gordon Gordon Marketing 361,132 95%4 Aboul-Hosn Haitham Haitham Aboul-Hosn, LLC 354,284 372%5 Mark Graham AmeriLife 284,378 18%6 Gary Owen Owen Insurance Group 272,991 148%7 Steven Lowen Lowen Insurance Agency 270,817 -8 William Borosak Jr. Secure Future Financial Group, LLC 211,461 22%9 John Clark Senior Solutions Insurance Agency 189,657 47%

10 Donna Ahlbum The Ahlbum Insurance Group, Inc. 179,601 25%11 Tim Ahlbum Health Coverage Solutions 176,693 32%12 Vincent Abbatiello Mainstay Retirement Solutions 167,244 120%13 - Centerstone Insurance & Financial Svcs. 141,356 82%14 - Remoza, Inc. 101,768 3164%15 Lisa Rosati Rosati Insurance Agency 97,168 70%16 Susan Hirsch Hirsch Insurance Agency 91,637 100%17 Mike Roth Senior Insurance Marketing, Inc. 85,048 29%18 Timothy Nordstrom Nordstrom Insurance Agency 82,606 548%19 Catherine Dowie Dowie Insurance Agency 79,394 -20 Kerry Sachs Secure Retirement Solutions, Inc. 75,555 18%21 David Lasman Lasman Insurance Agency 74,076 75%22 John Herrera Herrera Insurance Agency 71,393 -23 Devin Barta Barta Insurance Agency 68,943 14%24 Loren Olguin Olguin Insurance Agency 65,608 110%25 Gina Savage Medicare Specialist Group 64,975 16%26 Scott Mednick Professional Insurance Systems of Florida 64,455 16%27 Glenn Pearson Pearson Insurance Agency 61,320 -28 Daniel Capierseho Capierseho Insurance Agency 59,803 232%29 William Gardner Gardner Insurance Agency 58,400 595%30 - Medicare Advantage Plan Services 57,934 85%

Total NAIP from 2019 Only Recruits (Rookie of the Year)RANK NEW AGENT NAME YTD NAIP WEEK START

1 Rebecca Frye $77,545 03/01/192 Alfonso Garcia 70,742 03/06/193 Billie Bridger Jr. 28,556 01/15/194 Michael Brines 25,356 03/04/195 Alicia Crook 22,594 02/12/196 Jeffrey Armstrong 19,356 02/21/197 Jason Scholder 18,516 01/11/198 Mark Hayes 11,064 01/16/199 Julie Lahm 10,656 12/27/18

10 Sabrinah Cave 9,480 01/04/1911 Marvin Tucker 8,604 04/10/1912 Nicholas Vail 8,484 01/30/1913 Dana Leal 8,262 03/07/1914 Marc Korsch 8,148 04/05/1915 Timothy Myhre 7,032 05/22/1916 Christopher MacKuliak 6,648 03/12/1917 Daniel McDaniel 6,480 02/13/1918 Jeffery Higgins 6,276 04/12/1919 James Leap 6,156 01/25/1920 Jean Lysee 6,128 03/29/1921 Neil Pardo 6,108 03/07/1922 Meri Claassen 6,096 01/29/1923 Alexander Recio 5,652 04/09/1924 Robert Jowers 4,860 01/22/1925 Brett Shelby 4,776 02/07/1926 June Williams 4,735 01/11/1927 John Bloomfield 4,668 04/26/1928 Taylor Howells 4,620 05/24/1929 Thomas Milonas 4,296 03/05/1930 Neil Gholson 4,236 04/16/19

#1

#2 #3 #4

#5 #6 #7

#8 #9 #10

Currently on track to be a 2020 TOP 10 TOTAL NAIP INCREASE YEAR OVER YEAR

Currently on track to be a 2020 TOP 10 ROOKIE OF THE YEAR

#1

#2 #3 #4

#5 #6 #7

#8 #9 #10

14 15 Jun 2019 Jun 2019

COLORADO

UA

/GLN

Y 2020 CONVENTION

JUNE 9-12, 2020 • GRAND HYATT DENVER

Kit Leong / Shutterstock.com

Convention Qualifications for 2020There are two ways to qualify for Convention 2020: By meeting production qualifications or by issuing 100 or more non-disability ProCare Medicare Supplement insurance plans as personal production during the 2019 convention qualification period.

Production QualificationsNon-standard (Underage Disability) Medicare Supplement production does not count toward qualifications.

Agency Production

Writing Agent Rookie

Health & Life $350,000 $150,000 $75,000Life (only)* $180,000 $100,000 $75,000Med Supp Apps Issued N/A 100 100*Not applicable for Globe Life of New York Agents

All production qualifications for Awards, Clubs, and the 2020 Convention in Denver, Colorado, are based on Net Annualized Issued Premium (NAIP), which must be 70 percent or more of the Gross Annualized Premium (GAP). Non-standard (Underage Disability) Medicare Supplement insurance production, Life

production will not count towards qualification for Convention, Awards, or Club honors. Qualification Period: Dec. 23, 2018, through Dec. 21, 2019.