the naifa-dallas and our title sponsors financial … and our title sponsors, naifa-dallas

The

Financial

Advisor

News

ofNAIFA-DallasFounded in 1913 as the

Dallas Association ofLife Underwriters

(DALU)

Vol. 83, No. 9May 2011

Check Out OurWebsite at:

www.naifadallas.org

Connectionsthat Count

2011-12 NAIFA-Dallas Programs . . . . . . . see page 5

Need Continuing Education? . . . . . . . . . see pages 6-7

President’s Cabinet . . . . . . . . . . . . . . . . . . . . see page 8

Disability Insurance Awareness Month (DIAM) . . . . . . . . . . . . . . see page 9

NAIFA-Dallas Golf Tournament . . . . see pages 10-11

2010 Advisor of the Year and 2010 O.C. Jackson Hall of Fame . . . . . . see page 12

Live Right . . . . . . . . . . . . . . . . . . . . . . . . . . . . . see page 13

May 20, 2011Registration 8 am | Classes 9 am - 4:50 pm

Evening of Racing 5-11 pm

(see pages 3, 6 & 7)

NAIFA-Dallas and our Title Sponsors present the

THE FINANCIAL ADVISOR NEWS OF NAIFA-DALLAS 5/11

Unique policy features designed to provide the flexibility business owners need

Our new Overhead Expense policy:

• Advancesbenefitstohelpcoverimmediateneeds1

• Providesanadditionalpoolofcoveragethatcanbeusedanytimeduringthebenefitperiodtohelpwithfluctuatingexpenses2

• ProvidesOccupationalRehabilitation,andModificationandAccessbenefitsforanagreeduponplantohelpdisabledownersreturntoworkintheirbusiness

• Offerstheindustry’slowestlossofgrossmonthlyrevenuethresholdforresidualdisabilitybenefits3

• Providesupto$10,000tohelpcoverthesalaryofareplacement4

• Reimbursesupto$5,000forlegalandaccountingfeesresultingfromtheterminationorsaleofthebusinessduetodisability5

• Offersissuelimitsupto$50,000(andupto$55,000whencombinedwithBusinessReducingTerm)

Our new Disability Buy-Out policy:

• Definesthebusinessvaluationformulainthepolicymakingiteasierforyouandyourclientstounderstandhowthebusinessisvaluedwhenthepolicyispurchasedandatthetimeofclaim6

• Offersa$2millionmaximumissuelimit—regardlessofeliminationperiodorfundingmethod • ProvidesOccupationalRehabilitation,andModificationandAccessbenefitsforanagreeduponplantohelpdisabled

ownersreturntoworkintheirbusiness

Thesepolicies:

• Offertheindustry’smostgenerousWaiverofPremiumbenefit • Maybeconvertedtoanindividualdisabilityinsurancepolicysubjecttoeligibilityrequirements • NofinancechargeforautomaticmonthlypaymentwithGuard-O-Matic

Highly competitive premiumsGenerous compensation and unparalleled renewals

Calltodaytolearnmore.Disability income products are underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY or provided by Guardian. Products are not available in all states, and provisions may vary by state.

Refer to Overhead Expense Policy Form 4200 for details of our Accelerated Benefit Endorsement1, Supplemental Overhead Expense Benefit Rider2, Residual Disability Benefit3, and Legal & Accounting Fee Benefit5. Additional conditions or requirements may apply to riders, endorsements, and benefits. Additional eligibility requirements and conditions apply to the Professional Replacement Endorsement4. Refer to Disability Buy-Out Policy Form 3200 for details of our Business Valuation Endorsement6.

Youwon’tfindthiscombination withanyothercarrier!

New!Business ProVider: Disability Insurance Products for Small Business

UniquePolicyFeatures +CompetitivePremiums +GenerousCompensation

8056 (12/09)2009—11593 For Producer Use Only—Not for Use with the General Public.

The Guardian Life Insurance Company of America, New York, NY 10004-4025

®

FINANCIAL PrOCEss GrOUPA Representative of GuardianScottDial,DisabilityIncomeSupervisor12700CentralParkDrive,Suite1050Dallas,TX75251Telephone:888-836-7049Facsimile:214-739-0479Email:[email protected]

THE FINANCIAL ADVISOR NEWS OF NAIFA-DALLAS 5/11 PAGE 3

REGISTRATION FORM

Name _______________________________________________ Company ________________________________________________

Address _______________________________________________City _________________________ State _____ Zip ____________

Phone ________________________ Fax _______________________ Email ______________________________________________

❑ Check (payable to NAIFA-Dallas) ❑ Charge (circle one) VISA MC AMEX DISCOVER, Zip Code on billing statement ____________

Credit Card # __________________________________________________________________ Expires on _____ / _____

MAIL TO: NAIFA–Dallas, 9101 LBJ Freeway, Suite 450, Dallas, Texas 75243 OR FAX: (972) 934-1217 OR EMAIL: memberservices@naifadallas .org OR ONLINE: www .naifadallas .org

No refunds unless 24-hour cancellation notice is given.

GOLF TOURNAMENT (see page 11 for player registration form)

Date Time Location Cost

❑ 10/21/11 1:00 p .m . Shotgun Start Bridlewood Golf Club $115 per player 6:30 p .m . Dinner 4000 W . Windsor Drive, Flower Mound, TX 75028

Sponsorship Opportunities: (see page 10 for sponsor benefits)

❑ Gold Sponsor $2,000 ❑ Silver Sponsor $1,000 ❑ Bronze Sponsor $750 ❑ Hole Sponsor $250

RACE FOR CE (see pages 6-7 for details)

Title Sponsors: Lincoln Financial Advisors and Securian and Union Central/Ameritas and United Healthcare

EARLY BIRD PRICING EXTENDED!Date Time Location

❑ 5/20/11 9:00 a .m . - 4:50 p .m . Lone Star Park at Grand Prairie

❑ ____ Member tickets to Race for CE @ $ 90 .00 + ____ Member tickets to Ethics Class @ $25 .00 = $__________❑ ____ Non-Member tickets to Race for CE @ $135 .00 + ____ Non-Member tickets to Ethics Class @ $45 .00 = $__________❑ Block Tickets ❑ 10 tickets = $850 .00 ❑ 15 tickets = $1,200 .00❑ Yes, I am staying for dinner. ❑ Yes, I will have a guest for dinner. Name of guest: ____________________________________

SAVE MONEY BY PRE-REGISTERING! Prices go up at the door. Reservation deadline is Wednesday, May 18, 2011. Tickets at the door are $130.00 NAIFA/FPA/NAHU/SFSP/WIFS members; $180.00 non-members plus cost of optional

Ethics Class. No refunds unless 48-hour written cancellation notice is received by 8 a.m. on May 18, 2011.

YOUR TICkET ($264 VALUE) INCLUDES: H Buffet dinner and free parking FOR YOU AND YOUR GUEST H

H Indoor reserved seating FOR YOU AND YOUR GUEST for an evening of live horse racing HH Continental breakfast, buffet lunch, refreshments

H Industry trade show H Door prizes HH Professional handicapping seminar H Racing program H

• Upto6hoursofon-sitecontinuingeducation (qualifies for licensing credit with the T.D.I.) NO CFP CERTIFICATION

• EthicsCourse–2-hourrequiredcourse• Upto28hoursbasic& advanced sessions to choose

from


THE FINANCIAL ADVISOR NEWS

CONTENTSRegistration Form . . . . . . . . . . . . . . . . . . . . . . 3

Officers, Directors & Staff . . . . . . . . . . . . . . . . . 4

Important Numbers . . . . . . . . . . . . . . . . . . . . . 4

President’s Message . . . . . . . . . . . . . . . . . . . . . 5

Association Calendar . . . . . . . . . . . . . . . . . . . . 5

2011-12 NAIFA-Dallas Programs . . . . . . . . . . . . 5

9th Annual Race for CE – Friday, May 20, 2011 TENTaTiVE Program Schedule . . . . . . . . . . 6 Sponsors . . . . . . . . . . . . . . . . . . . . . . . . . . 7

2010-11 President’s Cabinet . . . . . . . . . . . . . . . 8

Disability Insurance Awareness Month . . . . . . . . 9

NAIFA-Dallas Golf Tournament . . . . . . . . . . 10-11 Friday, October 21, 2011

Welcome New Members . . . . . . . . . . . . . . . . . . 12

2010 Advisor of the Year and 2010 O .C . Jackson Hall of Fame . . . . . . . . . . . . 12

Live Right . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Karen’s Korner . . . . . . . . . . . . . . . . . . . . . . . . 14

Thanks to our Sponsors & Exhibitors . . . . . . . . 15

NaiFa–DallasEditorial and Advertising Office

9101 LBJ Freeway, Suite 450, Dallas, TX 75243(972) 991-2364 • Fax (972) 934-1217

www.naifadallas.org • email: [email protected]

The Financial advisor News is produced 10 times per year by NAIFA-Dallas . Annual subscription is $1 .00 per year for members only . Subscription is included in the dues . Unless specifically stated, the publishing of an article or an advertisement does not imply endorsement by NAIFA-Dallas of either the views expressed or the products advertised .

aDVERTiSER iNDEXDwight Otto Brokerage . . . . . . . . . . . . . . . . . . . 8

The Fisher Agency . . . . . . . . . . . . . . . . . . . . . . 8

The Guardian Life Insurance Company . . . . . . inside front cover

The Hartford . . . . . . . . . . . . . . . . . . . . . . . . . 14

Insurance Designers . . . . . . . . . . . . . . . . . . . . 13

Rice & Rice, PC . . . . . . . . . . . . . . . . . . . . . . . . 9

Union Central/Ameritas . . . . . . . . . . . . . . back cover

iMPORTaNT NUMBERSDAHU - David Creek . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (214) 498-0808Dallas Estate Planning Council – Teresa Moore . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (214) 340-8020FPA DFW – Melisa Hall . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (972) 747-0407IFAPAC – Valli Sellers, CLU . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (214) 774-4716IFAPIC – Mike Jarrell, LUTCF, CiC . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (214) 821-9687NAIFA National . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (888) 866-2432NAIFA-Texas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (512) 716-8800SFSP – Patricia Pattison . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (817) 370-8991Women in Insurance & Financial Services (WIFS) DFW – Veronica Bell . . . . . . . . . . . . . (972) 774-0700 x123

OFFiCERS DiRECTORS

Immediate Past Presidenta. andra Grava, CLU, RHUUnion Central(972) 774-9663 phone(972) 774-1792 [email protected]

PresidentJohn M. Connally, LUTCFAyres Financial Group(972) 612-7196 phone(972) 519-0457 [email protected]

President-ElectSteve anderson, LUTCFMutual of Omaha Companies(972) 424-0484 x238 phone(972) 424-0307 [email protected]

Professional DevelopmentLaura Biesemeyer, FLMiSummit Alliance Companies(972) 884-6156 phone(972) 888-1614 [email protected]

Health & Employee BenefitsCheri C. StanwixStanwix Insurance & Benefits(214) 455-6623 [email protected]

Community RelationsChris RenfroCopeland Group(972) 731-2505 phone(972) 731-6701 [email protected]

Government RelationsGrover BrillhartAyres Financial Group(972) 980-9600 phone(972) 980-8515 [email protected]

Planning & DevelopmentClaudia Foraker, NRCMaInsurmed Services(972) 404-8113 phone(972) 404-8116 [email protected]

Membership InvolvementPat WilderPrincipal Financial Group(972) 233-5088 x3225 phone(972) 701-9735 [email protected]

ProgramsDwight R. Otto, CLU, ChFCPrincipal Financial Group(214) 350-4455 phone(214) 350-9492 [email protected]

MembershipCorey R. Pride, ChFC, CRPS, QPFCTransamerica Retirement Services(214) 334-7645 phone(888) 633-7834 [email protected]

Professional DesignationsJoseph Radovic, CLU, ChFC, CFPAckley Financial Group(469) 737-4052 phone(469) 737-4084 [email protected]

SecretaryBeverly a. NormanAetna Small Group(469) 222-6055 phone(860) 754-1959 [email protected]

Treasurer/Chief Investment OfficerMel Meyers, CLU, ChFC, aEPPenn Mutual(972) 980-9600 phone(972) 980-8515 [email protected]

National CommitteemanStephen L. Harris, CLU, ChFCStephen L . Harris, CLU & Assoc .(972) 680-2777 phone(972) 680-2780 [email protected]

Executive Vice PresidentKaren H. TrueNAIFA-Dallas(972) 991-2364 phone(972) 934-1217 [email protected]

NAIFA-Texas TrusteeJ. Lee RipleyAetna Small Group(817) 417-2189 phone(860) 754-9162 [email protected]

2010-11 BOARD OF DIRECTORS

NaiFa-DaLLaS STaFF(972) 991-2364 • Fax (972) 934-1217Karen True, Executive Vice President [email protected] Chappell, Executive admin. asst. [email protected]


ASSOCIATIONCALENDAR

5/11 - 7/11

MAY 2011

5/11 WIFS Monthly Luncheon Brookhaven Country Club 11:15 am-1:00 pm

5/13 FPA DFW Financial Planning Symposium Frisco Convention Center 7:00 am-5:30 pm

5/18 Estate Planning Council N. TX Domino Effects of Estate Planning Southfork Hotel, 7:30-9:00 am

5/18 DAHU Luncheon TAHU Convention Update/Mandate CE Prestonwood Country Club 11:30 am-2:00 pm

5/20 NAIFA-Dallas Race for CE Lone Star Park (see pgs 3,6 & 7)

JUNE 2011

6/5 - MDRT Annual Meeting 6/8 Atlanta, GA

6/8 WIFS Monthly Luncheon Cantina Laredo – Dallas Parkway 11:15 am-1:00 pm

6/14 FPA DFW CE & Chapter Meeting Doubletree Hotel (LBJ & Midway) 9:30 am-2:00 pm

6/15 DAHU Luncheon & CE New Normal in Healthcare Prestonwood Country Club 11:30 am-2:00 pm

6/23 NAIFA-Dallas Celebration of Achievement Luncheon Installation of 2011-12 Board CE: TBA CE Sponsor: Aetna

JULY 2011

7/21 - NAIFA-Texas Annual Meeting 7/24 Houston, TX

10/21/11 NAIFA-Dallas Golf Tournament Bridlewood Golf Club (see pgs 10-11)

President’s Message

Congratulations to the NAIFA-Dallas O .C . Jackson Hall of Fame and Advisor of the Year winners . John ackley is the O .C . Jackson Hall of Fame winner and Lee Ripley is the Advisor of the Year (see page 12) . Lee served as President of NAIFA-Dallas and is currently serving on the NAIFA-Texas Board of Directors as a trustee for this region . John Ackley is a long-time member of NAIFA-Dallas and has contributed greatly to the association . He is a member of the President’s Cabinet, and Ackley Financial Group is 100% membership . These two gentlemen are examples of what can be accomplished when you work hard and become successful . They also returned something to the business in which they were successful . We congratulate them .

Congratulations to our 2010 advisor of the Yearand O.C. Jackson Hall of Fame Winners

John M. Connally, LUTCF

Regards,

John M. ConnallyJohn M . Connally, LUTCF 2010-11 President

S AV E T H E D A T E

August 25, 2011September 22, 2011October 27, 2011November 2011 – No MeetingDecember 1, 2011

2011 January 26, 2012February 23, 2012March 22, 2012April 26, 2012May 2012 TBD – Race for CEJune 28, 2012

2012

2011-12 NAIFA-DALLAS PROGRAMSSAVE THE DATES


TIME

9:00-10:00

BREAK–BESURETOVISITOUREXHIBITORSONLEVEL4

BREAK–BESURETOVISITOUREXHIBITORSONLEVEL4

BREAK–2:30 GOLD & PLATINUM SPONSOR DRAWINGS ON LEVEL 4–BESURE TO VISIT OUR EXHIBITORS BEFORE TEAR-DOWN AT 3:00

BREAK–LEVEL4

EVERYONETOCHAMPIONSROOMFORPRIZEDRAWINGS–LEVEL2

LUNCH–CHAMPIONSROOMONLEVEL2–1:15 SILVER SPONSOR DRAWINGS ON LEVEL 4–BESURETOVISITOUREXHIBITORS

CHAMPIONSROOM–LEVEL24:00PM–CASHBAROPENS

5:00PM–TITLESPONSORDRAWINGS•5:15PM–NAIFA-DALLASDRAWINGS6:00PM–BUFFETDINNER•6:35PM–EVENINGOFHORSERACING

REDROOM–LEVEL4 YELLOWROOM–LEVEL4 GREENROOM–LEVEL4 PURPLEROOM–LEVEL2 BLUEROOM–LEVEL2

Qualified Sick Pay Plans

Jim Coyle, CLU, RHU, REBCUnion Central/Ameritas

Optimization Strategies for Retirement Assets

Mike ThaxtonTransamerica Life

Insurance Company

**SAME ONE-HOUR CLASS PRESENTED TWICE***BACk BY POPULAR DEMAND

Secondary Market for Life Insurance: Current Trends, Applications**

Peter HershonCoventry

Consumer Protection Basics (Part 1)

William Arrington, CPCU, ARM, CIC

Aflac

Fee Disclosure 408(b)(2)

Kathy WalkerSimpkins & Associates

Retirement Time Line

Tyler RandallJohn Hancock Annuities

Am I a Fiduciary? Should I Care?David Ralston

David W. Ralston, PC

10:15-11:15

Secondary Market for Life Insurance: Current Trends, Applications**

Peter HershonCoventry

Offering Healthcare Coverage to Hispanics

Jaime G . González, DrPH, MSSW, MSHAUnited Healthcare

Continued(2 hours CE)

Consumer Protection Basics (Part 2)

William Arrington, CPCU, ARM, CIC

Aflac

Estate Planning After the Tax Relief and Job Creation Act of 2010

Joe Chenoweth, CLU, ChFCARMOR Wealth Management

Executive Benefit Arrangements

Andrew Rinn, JD, CFP, CLU, ChFC

MetLife Investors

11:30-12:30

When I’m 65Jim Wallander, MBA

Lincoln Financial Advisors

Government vs. Private DI

Jim Coyle, CLU, RHU, REBCUnion Central/Ameritas

Gift and Estate Planning for Foreign Nationals***

Mike ThaxtonTransamerica Life

Insurance Company

Business Insurance Concepts**

Brian Haselden, CLU, ChFC, LUTCFSun Life Financial

Business Insurance Concepts**

Brian Haselden, CLU, ChFC, LUTCFSun Life Financial

Long Term Care 101Mitch Monis

National Health Administrators

Navigating the 401(k) Liability Minefield

David RalstonDavid W. Ralston, PC

1:30-2:30

2:45-3:45

4:00-4:50

5:00-11:00

Life Insurance as an Alternative Asset

Ken Winebrenner, CLULincoln Financial

Advisors

Total Fiduciary Management

Shannon Birkes, AIF®Securian Retirement

Distributors

Life Insurance Uses in Executive Benefit

PlanningJoe Chenoweth, CLU, ChFCARMOR Wealth Management

Introduction to Business Overhead Expenses***

Tom HelbingDisability Insurance

Services

Long Term Care Insurance: An Executive Compensation Option

Mitch KuhnNational Health Administrators

NAIFA-Dallas and our Title Sponsors, Lincoln Financial Advisors | Securian | Union Central/Ameritas | United Healthcare, Proudly Present

NaiFa-Dallas’ 9th annual RaCE FOR CE TENTaTiVE PROGRaM SCHEDULE*

Friday, May 20, 2011 • Lone Star Park at Grand PrairieLook for the colored flags to find your classroom entrance!

*A printed program with final schedule will be provided at check-in at the registration desk on May 20th.

Fee Transparency and Investment NeutralityShannon Birkes, AIF®Securian Retirement

Distributors

Texas Regulation& Ethics***

David Silver, LUTCFNAIFA-Dallas

Extra ticket required $25.00 member

$45.00 non-member

Continued(2 hours CE)


NAIFA-Dallas and our title sponsors present the

May 20, 2011Registration: 8 a.m. • Classes: 9 a.m. - 4:50 p.m. • Evening of Racing: 5 - 11 p.m.

9th Annual

Race for CEThe BestRace Ever!

RACEFORCEREGISTRATION– Early Bird Pricing Extended!

MAIL TO: NAIFA–Dallas, 9101 LBJ Freeway, Suite 450, Dallas, Texas 75243 with check payable to NAIFA-Dallas ORFAX: (972) 934-1217 OR EMAIL: memberservices@naifadallas .org OR ONLINE: www .naifadallas .org and charge to VISA, MC, AMEX, DISCOVER

Credit Card # __________________________________ Expires on ___ /___ Zip Code on billing statement ___________

Name _____________________________ Company _____________________________ TDI License # _______________Address ______________________________________________________ Local Association _______________________Phone _____________________ Fax _____________________ Email _________________________________________SAvE MONEY BY PRE-REGISTERING! PRICES GO uP AT ThE DOOR ($130.00 Members; $180.00 Non-Members)____ Member tickets to Race for CE @ $ 90 .00 + ____ Member tickets to Ethics Class @ $25 .00 = $______________ Non-Member tickets to Race for CE @ $135 .00 + ____ Non-Member tickets to Ethics Class @ $45 .00 = $__________ Block Tickets ❑ 10 tickets = $850 .00 ❑ 15 tickets = $1,200 .00

• Ethics Course – 2-hour required course

• Up to 6 hours of continuing education (qualifies for licensing credit with the T .D .I . – NO CFP CERTIFICATION)

• Up to 28 hours basic & advanced sessions to choose from

No refunds unless 48-hour written cancellation notice is given by 8 a.m. on May 18, 2011.

RaCE FOR CE SPONSORS

PLaTiNUM SPONSORS:aflac

aRMOR Wealth ManagementCoventry

National Health administratorsDavid W. Ralston, PCSun Life Financial

Transamerica Life insurance Company

GOLD SPONSORS:Disability Insurance Services

John Hancock annuitiesMetLife investors

Simpkins & associates

BREaK SPONSOR: american General

SiLVER SPONSORS:aetna Small GroupAXA Distributors

Bob Nelson & AssociatesFirst Trust

iNGNationwide

Ohio National Financial ServicesThe Plus Group

QuestPro Consultants/Q-TempsStaff One

Summit alliance FinancialTexas Regional Office

Transamerica LTC/Transamerica Retirement ServicesUnibind, Inc.

Wealth advisors Trust Company

TiTLE SPONSORS:

(at press time)


dObDWIGHT OTTO BROKERAGE

Quality Products fromQuality Companies

Featuring:

LIFE, DISABILITY INCOME, ANNUITIES, ANDLONG TERM CARE

INSURANCE

Dwight R. Otto, CLU, ChFC4919 W Lovers Lane

Dallas, TX 75209T 214.350.4455F 214.350.9492

Member ofThe Argyle Group, Inc.Altoona, Chicago, Cleveland, Dallas,Detroit, Houston, Memphis, Miami,

New York, San Diego, San Francisco

2010-11 PRESIDENT’S CABINETJOHN M. CONNALLY, LUTCF

Steve Anderson, LUTCF

Reed Ashwill, CLU, CFP

David Ayres, CLU

Fred Badyna, CLU, ChFC

Jerry Baker, CLU

Charles Bender, Sr., CLU, ChFC

Laura Biesemeyer, FLMI

David Blanchard, CLU, ChFC

Grover Brillhart

J.C. Bryan, CLU, LUTCF

Cylinda Clark

Howard Cohen, CLU, CFS

Scott Cohen, CFP, CFS

Jim Coyle, CLU, RHU, REBC

Tait Cruse, CLU

John Davis, CLU

Scott Dial

Tom DuRoss

Kelly Earls, JD, CPS

Donna Thomas Edwards, LUTCF

Mike E. Evans, CLU, ChFC, LUTCF

Danny Fisher, CLU, ChFC

Randy Ford, CLU, ChFC

Kim Foster

Frank Frey, CLU, LUTCF

James Garner, CLU, ChFC

Andra Grava, CLU, RHU

Stephen Harris, CLU, ChFC

Todd Healy, CLU, ChFC, AEP

Beth Henderson, CLU, ChFC

Mike Jarrell, LUTCF, CIC

Garry Kinder

Michael Kolacz, CEP, LUTCF, RFC

John Ridings Lee

Lloyd Lowe, Sr.

Joseph Mahoney, CLU, ChFC

Lee McCasland, CLU, ChFC

Jay McCluskey, CLU, ChFC, MSFS, MBA

John McGrael, CLU, ChFC

Corey Metz, CLU

Mel Meyers, CLU, ChFC, AEP

Yuka Nakahara-Goven, CLU, MBA

Beverly Norman

John Norman, CLU, ChFC

Dwight Otto, CLU, ChFC

Corey Pride, ChFC, CRPS, QPFC

Joe Radovic, CLU, ChFC, CFP

Jack Reaves, CLU

Neil Riddick

Lee Ripley

Valli Sellers, CLU

Kathy Smith

Cheri Stanwix

Edward (Ted) Troy, CLU

Burl Wood, CLU, ChFC

Robert Woodell

Tallie O. Young, RFC, LUTCF

(at press time)


(972) 997-8220

Most people don’t think twice about insuring valuable assets such as their cars or homes . However, millions leave themselves financially vulnerable every day by completely overlooking the importance of protecting something worth much more – their paychecks .

That’s why the nonprofit LIFE Foundation is once again coordinating Disability Insurance Awareness Month (DIAM) in May to educate consumers about the important role disability insurance plays in having a sound financial plan . This year’s campaign will have a simple message – Protect Your Paycheck – to help consumers connect disability insurance with the important protection it provides . The campaign is also a call to action for producers to reach out to clients and prospects and encourage them to protect their paychecks with disability insurance . In addition, benefits specialists can pass the message on to their employer-clients that May is the perfect time to let employees know about their disability insurance benefits and the need to protect their most valuable asset, their paycheck .

“This May, we want to get the message out that if you have a job and earn a paycheck, you need disability insurance,” said Marvin H . Feldman, CLU, ChFC, RFC, president and CEO of the LIFE Foundation . “Our goal is to educate Americans about the benefits disability insurance provides, and we hope agents and companies will do their part to help ensure people get the coverage they need .”

Disability Insurance Awareness Month Campaign Tools for agentsTo help companies and producers take advantage of the DIAM campaign, LIFE has created a toolkit that provides insurance agents and benefits specialists with the resources they need to execute their own marketing and communications initiatives . The kit can be accessed at www.lifehappens.org/diamkit and includes embeddable videos, downloadable flyers, a customizable news article and release, eCards, a marketing guide – and more .

LIFE also is coordinating a variety of consumer awareness-building initiatives and will launch new resources to help the industry reinforce the benefits of disability insurance to clients . At the core of these efforts is a new consumer-facing microsite, www.protectyourpaycheck.org, which will house interactive tools, videos and educational information that focus on disability insurance and reinforce the Protect Your Paycheck theme . The site was launched in late April .

To get consumers thinking about the importance of their paycheck and all the essential things that it pays for, LIFE also will sponsor

the “This Moment Made Possible by My Paycheck” photo contest . The contest will ask consumers to submit a photo and caption depicting a memorable moment made possible by their paychecks . The entrant with the best photo and caption will receive a $500 gift card . The contest will run throughout the month of May and will be accessible through the microsite and LIFE’s Facebook fanpage .

DiaM Spokesperson: Rosemarie RossettiLIFE also will sponsor national radio public service announcements featuring this year’s campaign spokesperson Rosemarie Rossetti . Rossetti’s life was changed in an instant when a tree fell on her while she was biking, paralyzing her from the waist down. It was her disability insurance that helped her through her darkest years when she had no paycheck coming in .

As a professional speaker, Rossetti knows how to get to the crux of the matter with her message on the importance of disability insurance and why agents should be selling it with conviction . Her story will be available to share through video messages to both the industry and consumers and through a realLIFEstory flyer .

For more information about the 2011 DIAM campaign, please visit www.lifehappens.org/diam or contact Maggie Leyes, LIFE’s DIAM campaign coordinator, at [email protected] .

About Disability Insurance Awareness MonthDisability Insurance Awareness Month (DIAM) was created to get American workers to think more about the need to protect their greatest asset – their ability to earn an income . Held in May, DIAM is an industry-wide effort that is coordinated by the nonprofit Life and Health Insurance Foundation for Education (LIFE) .

About LIFEThe Life and Health Insurance Foundation for Education (LIFE) was founded in 1994 in response to the public’s growing need for information and education on life, health, disability and long-term care insurance . LIFE also seeks to remind people of the important role insurance professionals perform in helping families, businesses and individuals find the insurance solutions that best fit their needs . To learn more about these topics, please visit www.lifehappens.org .

LIFE Encourages Agents to Take Action DuringDisability Insurance Awareness Month (DIAM)

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NAIFA-Dallas Golf Tournament Friday, October 21, 2011

Bridlewood Golf Club 4000W.WindsorDrive•FlowerMound,Texas75028

Registration11:00a.m.•ShotgunStart1:00p.m. Dinner 6:30 p.m.

PAGE 10 THE FINANCIAL ADVISOR NEWS OF NAIFA-DALLAS 5/11

GOLD SPONSOR – $2,000 • 8 player spots in the tournament •

• One-half page ad in the Financial Advisor News for six months ($1,194 value) • • Recognition and announcements at meetings until tournament time •

• Recognition in the Financial Advisor News until tournament time • • Four free rounds of golf for play at Bridlewood Golf Club •

• Spotlight commercial during the Awards Ceremony • • Recognition in PowerPoint presentation during the Awards Ceremony •

SILVER SPONSOR – $1,000 • 4 player spots in the tournament •

• One-quarter page ad in the Financial Advisor News for six months ($750 value) • • Recognition and announcements at meetings until tournament time •

• Recognition in the Financial Advisor News until tournament time • • Spotlight commercial during the Awards Ceremony •

• Recognition in PowerPoint presentation during the Awards Ceremony •

BRONZE SPONSOR – $750 • 2 player spots in the tournament •

• One-sixth page ad in the Financial Advisor News for six months ($534 value) • • Recognition and announcements at meetings until tournament time •

• Recognition in the Financial Advisor News until tournament time • • Spotlight commercial during the Awards Ceremony •

• Recognition in PowerPoint presentation during the Awards Ceremony •

HOLE SPONSOR – $250 Create your own experience . You own the tee box .

Golf towels, tees, logo items, water, etc . You make it happen . If you want to have a contest, please ask us about making special arrangements .

Please see registration form on page 3 or call the NAIFA-Dallas office for more information.

GOLF SPONSORS (at press time):SILVER SPONSORS:

AETNABLUE CROSS BLUE SHIELD OF TEXAS

STATE FARMTRUSTMARk COMPANIES

GOLF SPONSOR BENEFITS:

PL

AY

ER

RE

GIS

TR

AT

ION

NAIFA-Dallas Golf Tournament Friday, October 21, 2011

Bridlewood Golf Club 4000W.WindsorDrive•FlowerMound,Texas75028

Registration11:00a.m.•ShotgunStart1:00p.m. Dinner 6:30 p.m.


PLAYER #3Name ______________________________________________

Company ___________________________________________

Address ____________________________________________

City _____________________________ Zip _______________

Phone ____________________ Fax ______________________

Email ______________________________________________

Handicap (or last 5 scores) _____________________________

I am playing: ❑ alone

❑ with partner ______________________________________

❑ on a foursome with ________________________________

❑ on a corporate sponsor team

No . attending Dinner ___________

VISA/MC/AMEX/DISC # _____________________ Exp . _______

PLAYER #2Name ______________________________________________

Company ___________________________________________

Address ____________________________________________

City _____________________________ Zip _______________

Phone ____________________ Fax ______________________

Email ______________________________________________



❑ with partner ______________________________________





PLAYER #4Name ______________________________________________

Company ___________________________________________

Address ____________________________________________

City _____________________________ Zip _______________

Phone ____________________ Fax ______________________

Email ______________________________________________



❑ with partner ______________________________________





Toregister,pleasefaxthispageto(972)934-1217orregisteronlineat:naifadallas.org

PLAYER #1Name ______________________________________________

Company ___________________________________________

Address ____________________________________________

City _____________________________ Zip _______________

Phone ____________________ Fax ______________________

Email ______________________________________________



❑ with partner ______________________________________





$115 includes golf fees, cart, range balls and dinner


WELCOME NEW MEMBERS

KEViN COLTS New York Life

Sponsor: James C. McCluskey

CORY HERRiNG Money Matters

Sponsor: Chris Hatton

MiCHaEL J. KOENiG Nationwide Insurance

aNGELa VERGaRa Summit Financial Group

Sponsor: Ann Baker Ronn, LUTCF

THOMaS YOUNG Principal Financial Group

Sponsor: Dwight Otto

IT’S SMART TO BELONG!

THANK YOU TO OUR APRIL

EXHIBITOR & CE SPONSOR:

Neil F. McGlone 214-566-4938

www.idtriskmgtgrp.com

BOB NELSON & ASSOCIATES

Bob Nelson972-238-7411

[email protected]

IDT RISk MANAGEMENT GROUP

2010 ADVISOROF THE YEAR

2010 O.C. JACkSON HALL OF FAME

Les is the VP for small business in the Mid-America Region (KS, MO, OK and TX) for Aetna, Inc . He is responsible for the sales and service teams in Texas and Oklahoma for the small employer market, which encompasses small employers of 2-50 lives . He is located in the Arlington, Texas office .

Lee has been with Aetna since August of 2005 . Prior to Aetna, Lee’s most recent position was with Pacific Life & Annuity, where he served as the Field VP of Western Sales, ultimately transitioning over to PacifiCare when PL&A was acquired in mid-2004 . He has been in the small group industry his entire career of 30 years .

Very involved in the health insurance industry, Lee is a Past-President of NAIFA-Dallas (2004-05) and still serves in an active capacity as a Trustee for NAIFA-Texas for his second term . He is a Past President-Elect (and co-charter founder) of the San Antonio AHU and a Past-President of the Metro-Denver AHU . He has been published in periodicals such as the San Antonio Business Journal and California Broker.

Lee holds a BA degree from St . Mary’s University in San Antonio . Since joining Aetna, Lee has been involved with the March of Dimes and the American Heart Association annual campaigns . He coaches both youth soccer and baseball in his spare time .

Lee and his wife, Terry, live in Allen, Texas with their son, Jonathan, Jr .

John has been in the financial services business since 1972 . His successful career has focused on helping clients exceed their financial goals, as well as developing the skills of his firm’s financial professionals . He is a 25-time recipient of the National Management Award . He is also past President of the Dallas General Agent and Managers Association (GAMA), and has served on committees of the Dallas Association of Life Underwriters, and the Dallas CLU chapter . John has also been a member of Board of Governors Dallas Estate Planning Council, the Association of Advanced Life Underwriters (AALU) and TLRT . He has qualified for MDRT many times and is a registered principal of HTK .

Ackley Financial Group, Inc . was founded in 1980 . As Chief Executive Officer and Owner, John led a thriving organization in a dynamic industry . Now retired from agency management, his focus is on working with his existing clients and doing joint work with other associates .

Community service is an important part of John’s life . He spearheads fundraising for the Boy Scouts of America – Circle Ten Council. John’s leadership includes: Past President of Bent Tree Country Club, Former Bishop Lynch High School Advisory Board Member, former Sovereign Bank Advisory Board Member .

John and his two sons, Rob and Jim, and granddaughter, Brooklyn, live in Dallas .

J. Lee Ripley John W. ackley, CLU

THE FINANCIAL ADVISOR NEWS OF NAIFA-DALLAS 6/01THE FINANCIAL ADVISOR NEWS OF NAIFA-DALLAS 5/11 PAGE 13

Live RightKinder Brothers International

Let us remember that, as much has been given us, much will be expected from us, and that true homage comes from the heart as well as from the lips, and shows itself in deeds.

We believe you create a future, characterized by high performance and fulfillment, by making a responsible commitment to think right, work right, sell right, study right, and live right .

Here are ten strategies for forming the habit of living right.

• Compete, don’t compare. Be yourself, but learn to be your best self . Winning means excelling at being you .

• Live on the right side of “but”. When we live on the wrong side of that little conjunction “but”, we say things like, “Oh, I guess the sales meeting was OK, but it was a little long .” Living and selling on the right side of “but” causes you to affirm, “Yes, the competition gets tougher, but I work for the best company . I sell the best products and it’s great to be alive and selling for my company!”

• Develop what it takes. It’s often said about successful performers, “They’ve got what it takes!” They are intensely goal-oriented, have high energy levels, know their sales lines, do not take “no” personally, are impeccably honest with themselves and customers, show high levels of empathy, and are 100% accountable for results .

• Enrich your mind. Learn the riches of reading. Setting aside 15 minutes a day will enable you to read up to two dozen books a year. To get the most from you books and periodicals, read with a pen or highlighter in hand . Enrich your mind – and improve your sales!

• Build goodwill. In selling, as in business and politics, you will need a lot of people spread out in the right places, whom you can depend on .

• Know what is important. The greatest thing in the world, love – love of family, home, friends, associates, company, and country .

• Live within income. Somewhere along the line, the lack of good financial management becomes a barrier to professional growth, no matter how talented the salesperson . It eats into concentration and confidence .

• Extend your stay. According to the experts, there are seven steps to take if you wish to live longer, healthier days on earth: stay active, be optimistic, cope with adversity, reduce your weight, plan significant events, change the pace, and have periodic check-ups .

• Live in balance. Successful individuals many times fail in life for reasons that have nothing to do with how they perform in their jobs . Keep your professional, physical, financial, personal, and spiritual dimensions in balance, and you will function at full capacity .

• Finish strong. It is the spirit that motivates, that calls upon our reserves of dedication and effort, that decides whether we will give our best, finish strong, or just do enough to get by .

Make 2011 the BEST Year of Your Career!


After 21 years of marriage, my wife wanted me to take another woman out to dinner and a movie. She said, “I love you, but I know this other woman loves you and would love to spend some time with you.”

The other woman that my wife wanted me to visit was my mother, who has been a widow for 19 years, but the demands of my work and my three children had made it possible to visit with her only occasionally.

That night, I called to invite her to go out for dinner and a movie.

“What’s wrong, are you well?” she asked. My mother is the type of woman who suspects that a late night call or a surprise invitation is a sign of bad news.

“I thought that it would be pleasant to spend some time with you,” I responded. “Just the two of us.”

She thought about it for a moment, and then said, “I would like that very much.”

That Friday after work, as I drove over to pick her up, I was a bit nervous. When I arrived at her house, I noticed that she, too, seemed to be nervous about our date. She waited in the door with her coat on. She had curled her hair and was wearing the dress that she had worn to celebrate her last wedding anniversary.

She smiled from a face that was as radiant as an angel‘s. “I told my friends that I was going to go out with my son, and they were impressed,” she said, as she got into the car. “They can’t wait to hear about our meeting.”

We went to a restaurant that, although not elegant, was very nice and cozy. My mother took my arm as if she were the First Lady. After we sat down, I had to read the menu. Her eyes could only read large print. Halfway through the entrees, I lifted my eyes and saw Mom sitting there staring at me. A nostalgic smile was on her lips. “It was I who used to have to read the menu when you were small,” she said. “Then it’s time that you relax and let me return the favor,” I responded.

During the dinner, we had an agreeable conversation – nothing extraordinary, but catching up on recent events of each other’s life. We talked so much that we missed the movie.

As we arrived at her house later, she said, “I’ll go out with you again, but only if you let me invite you.” I agreed.

“How was your dinner date?” asked my wife when I got home. “Very nice. Much more so than I could have imagined,” I answered.

A few days later, my mother died of a massive heart attack. It happened so suddenly that I didn’t have a chance to do anything for her.

Some time later, I received an envelope with a copy of a restaurant receipt from the same place Mother and I had dined. An attached note said: “I paid this bill in advance. I wasn’t sure that I could be there; but nevertheless, I paid for two plates – one for you and the other for your wife. You will never know what that night meant for me. I love you, son.”

At that moment, I understood the importance of saying in time: “I love you” and to give our loved ones the time that they deserve. Nothing in life is more important than your family. Give them the time they deserve, because these things cannot be put off till “some other time.”

Somebody said it takes about six weeks to get back to normal after you’ve had a baby... somebody doesn’t know that once you’re a mother, “normal” is history.

Somebody said you learn how to be a mother by instinct... somebody never took a three-year-old shopping.

Somebody said being a mother is boring... somebody never rode in a car driven by a teenager with a driver’s permit.

Somebody said if you’re a “good” mother, your child will “turn out good”... somebody thinks a child comes with directions and a guarantee.

Somebody said “good” mothers never raise their voices... somebody never came out the back door just in time to see her child hit a golf ball through the neighbor’s kitchen window.

Somebody said you can’t love the second child as much as you love the first... somebody doesn’t have two children.

Somebody said a mother can find all the answers to her child-rearing questions in the books... somebody never had a child stuff beans up his nose or in his ears.

Somebody said the hardest part of being a mother is labor and delivery... somebody never watched her “baby” get on the bus for the first day of kindergarten... or on a plane headed for military “boot camp.”

Somebody said a mother can do her job with her eyes closed and one hand tied behind her back... somebody never organized seven giggling Brownies to sell cookies.

Somebody said a mother can stop worrying after her child gets married... somebody doesn’t know that marriage adds a new son or daughter-in-law to a mother’s heart strings.

Somebody said a mother’s job is done when her last child leaves home... somebody never had grandchildren.

Somebody said your mother knows you love her, so you don’t need to tell her... somebody isn’t a mother.

– Anonymous

Being a Mother

K A R E N ’ S ORNER Karen H. True

HARTFORD LIFE ADFor insertion in NAIFA FAN publication

1/4 page vertical (2.25” x 8”)

Full Color adfor electronic issues

Black & White adfor printed issues

Through its unique focus on customer needs, The Hartford serves businesses and consumers by providing the products and solutions they need to protect their assets and income from risks and manage their wealth and retirement needs.

The Hartford offers:• Competitivelifeinsuranceproductsthat

feature competitive death benefit protection and innovative supplemental options for personalized coverage of individual needs

• Innovativeproductridersdesignedtoprovidepolicyholders with the flexibility they deserve from their life insurance product

• Fair,progressive,relationship-basedunderwriting approach

• Underwritingprogramsthatcreate,notlimit,opportunities like offering standard risk class life insurance for qualified breast and prostate cancer survivors

• $20millionunderwritingretentionandautomaticbindingcapabilityupto$65millionJumbolimit

• Advancedcasedesignsupport

• CapabilitytoconsiderForeignNationalsonaPreferred basis

Ifyouthinkyourbusinesscouldbenefitbyworkingwith The Hartford’s innovative products and proven distribution model, give us a call today to learn more:

Through its unique focus on customer needs, The Hartford serves businesses and consumers by providing the products and solutions they need to protect their assets and income from risks and manage their wealth and retirement needs.

The Hartford offers:• Competitivelifeinsuranceproductsthat

feature competitive death benefit protection and innovative supplemental options for personalized coverage of individual needs

• Innovativeproductridersdesignedtoprovidepolicyholders with the flexibility they deserve from their life insurance product

• Fair,progressive,relationship-basedunderwriting approach

• Underwritingprogramsthatcreate,notlimit,opportunities like offering standard risk class life insurance for qualified breast and prostate cancer survivors

• $20millionunderwritingretentionandautomaticbindingcapabilityupto$65millionJumbolimit

• Advancedcasedesignsupport

• CapabilitytoconsiderForeignNationalsonaPreferred basis

Ifyouthinkyourbusinesscouldbenefitbyworkingwith The Hartford’s innovative products and proven distribution model, give us a call today to learn more:

Randy Nichols, CLU, LUTCF Account Executive | Cell: 469-236-8720

[email protected]

Robin Whetstone Account Executive | Cell: 972-742-5536

[email protected]

5605 N. MacArthur Blvd. #550 | Irving, TX 75038

Randy Nichols, CLU, LUTCF Account Executive | Cell: 469-236-8720

[email protected]

Robin Whetstone Account Executive | Cell: 972-742-5536

[email protected]

5605 N. MacArthur Blvd. #550 | Irving, TX 75038Life insurance policies contain fees and expenses, including cost of insurance, administrative fees, premium loads, surrender charges and other charges or fees that will impact policy values.

“TheHartford”isTheHartfordFinancialServicesGroup,Inc.anditssubsidiaries,including the issuing companies of Hartford LifeInsuranceCompany(NewYork)andHartfordLifeandAnnuityInsuranceCompany(outsideNewYork),Simsbury,CT.ThemailingaddressforbothissuersisP.O.Box2999,Hartford,CT06104-2999.LIF1040882/11

Life insurance policies contain fees and expenses, including cost of insurance, administrative fees, premium loads, surrender charges and other charges or fees that will impact policy values.

“TheHartford”isTheHartfordFinancialServicesGroup,Inc.anditssubsidiaries,including the issuing companies of Hartford LifeInsuranceCompany(NewYork)andHartfordLifeandAnnuityInsuranceCompany(outsideNewYork),Simsbury,CT.ThemailingaddressforbothissuersisP.O.Box2999,Hartford,CT06104-2999.LIF1040882/11

With The Hartford Behind You, Achieve What’s Ahead of YouSM

With The Hartford Behind You, Achieve What’s Ahead of YouSM

Happy Mother’s DaySunday, May 8, 2011

Is YOUR company listed here and getting FREE promotion? If not, why not?

Call the NAIFA-Dallas office at972-991-2364.

Insurmed Services

For more information contact:

Bob Bowsher, CLU, ChFCBrokerage Director15851 Dallas Parkway, Suite 1000Dallas, TX 75001Phone: 214-883-7426Email: rbowsher@fi nsvcs.comWebsite: www.stevensfi ancialgroup.com

Stevens Financial Group

We know brokerageFrom Best Class to High Risk, your business is our expertise.

LIFE INSURANCE • DISABILITY INCOME INSURANCE • LONG TERM CARE INSURANCE

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. Insurance products issued by MassMutual, 1295 State Street, Springfield, MA 01111-0001 and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company, 100 Bright Meadow Blvd., Enfield, CT 06082. *The MassMutual Trust Company, FSB is a wholly owned stock subsidiary of MassMutual. CRN201112-127786

Submit your next case to us, and find out what we have to offer…

COMPETITIVE PRODUCTSLife Insurance• A Broad Portfolio of Life Insurance

Products - UL, Whole Life, Term Life and Survivorship

Disability Income Insurance• BOE and Buy-Sell• Multi-Life or Individual DI Insurance • Own Occupation Protection• Protect ability to save for retirement

Long Term Care Insurance• From a Company that’s in the business for

the long term• Reimbursement or Indemnity Policies

SERVICE YOU DESERVEEstate Analysis & Business PlanningMassMutual Retirement ServicesThe MassMutual Trust Company, FSB*

Teresa Larabawww.southwest.com

LauraL.Biesemeyer•972-884-6156 [email protected]

Brian Haselden, CLU, ChFC, LUTCF214-532-4194•[email protected]

Ackley Financial Group associated with

Ayres Financial Group associated with

IDT RISk MANAGEMENT GROUP

BeverlyNorman•469-222-6055 [email protected]

EliPickel•972-758-5355 [email protected]

ChadNulty•713-831-3281 [email protected]

TomRutledge,CLU,ChFC•469-586-1038 [email protected]

ReedSchnittker•972-943-9999 [email protected]

DebbieHubbell•972-960-1305x115 [email protected]

David W. Ralston, PCDavidRalston•972-850-3050

[email protected]

Kathy&MarkRice•972-997-8220 [email protected]

Sony Life Insurance Co., Ltd. Tokyo, Japan

JoeRadovic,CLU,ChFC,CFP•469-737-4052 [email protected]

NeilF.McGlone•214-566-4938 www.idtriskmgtgrp.com

JohnDavisSr.,CLU•214-696-9756 [email protected]

ClaudiaForaker•972-404-8113 [email protected]

CarolynRossi,RHU,CLTC•214-282-6012 [email protected]

RichardTreta,CFP•[email protected]

TomBrown•866-601-8854 [email protected]

MitchMonis•469-341-3710 [email protected]

MarkLewis•972-832-7649 [email protected]

BradCampbell,CLU,ChFC,CASL•[email protected]

MarkKoskovich,CLU•972-774-2019 [email protected]

JerryBaker•972-398-6993 [email protected]

TylerRandall•512-636-3973 [email protected]

BOB NELSON & ASSOCIATES

BobNelson•972-238-7411 [email protected]

RalphPence•[email protected]

kINDER BROTHERS INTERNATIONAL

GarryD.Kinder,CLU•972-380-0747 [email protected]

LD LOWE SR. FINANCIAL ADVISORYLloydD.Lowe,Sr.•972-335-2523

[email protected]

DavidE.Ayres,CLU•972-980-9600 [email protected]

MikeSmith,LTCP•800-442-4915 [email protected]

PeterHershon•877-836-8300 [email protected]

StephanieDurham•214-615-5268 [email protected]

TomHelbing•972-795-5813 [email protected]

DwightOtto,CLU,ChFC•214-350-4455 [email protected]

DannyFisher,CLU,ChFC•972-238-1450 [email protected]

ScottDial•214-346-0985 [email protected]

JoeAitro•203-272-2660 [email protected]

AndraGrava,CLU,RHU•972-774-9663 [email protected]

RaymondWong•214-682-5894 [email protected]

Jaime G. González, DrPH, MSSW, MSHA469-633-8891

[email protected]

ChuckSharpe•[email protected]


dObDWIGHT OTTO BROKERAGE

Quality Products fromQuality Companies

Featuring:

LIFE, DISABILITY INCOME, ANNUITIES, ANDLONG TERM CARE

INSURANCE

Dwight R. Otto, CLU, ChFC4919 W Lovers Lane

Dallas, TX 75209T 214.350.4455F 214.350.9492

Member ofThe Argyle Group, Inc.Altoona, Chicago, Cleveland, Dallas,Detroit, Houston, Memphis, Miami,

New York, San Diego, San Francisco

ScottA.Hoke,CLU,ChFC•[email protected]

DeniseBryant•[email protected]

KathyWalker•[email protected]

ScottBarnard•[email protected]

ShannonBirkes,AIF®•[email protected]

TonyDillard•[email protected]

RickSpence•[email protected]

THANK YOU TO OUR 2010-11 SPONSORS & EXHIBITORS:

ChristopherHollmann•972-437-2040 [email protected]

AaronRoby•214-325-7379 [email protected]

HeathDrulman•[email protected]

JimDingemanse•[email protected]

JeffBaker•331-643-5842 [email protected]

Standing Amongthe Best in the DI Business.

Union Central’s DI and BOE products and service stand among the best. In 2011, two new names are joining this proud tradition.

Union Central’s affi liated insurers – Ameritas Life Insurance Corp., founded in 1887, and its subsidiary, First Ameritas Life Insurance Corp. of New York – will begin issuing all new DI and BOE policies within UNIFI Companies, while Union Central services its in-force policies.

The things you value most will remain unchanged in this transition.

• The great team of professionals you work with will remain unchanged.

• The great key competitive features you rely on will remain unchanged.

• All in-force Union Central DI and BOE policies will remain unchanged.

Get the features and service your clients want, from the team you trust... as always. Call us today.

*As of 4-15-11, Disability Income (DI) and Business Overhead Expense (BOE) Insurance (Forms U4501 NC, U4502 GR, and UC 4403 S) is still issued by The Union Central Life Insurance Company (Union Central) in approved states outside New York. In New York, Disability Income insurance (5501-NC, 5502-GR, 5503-BOE) is now issued by First Ameritas Life Insurance Corp. of New York. Throughout 2011, pending state approvals, Ameritas Life Insurance Corp. will begin issuing DI and BOE insurance in approved states outside New York. Transition dates and new form numbers will be announced upon fi nal approvals by the states.

This information is provided by The Union Central Life Insurance Company and affi liates, including Ameritas Life Insurance Corp. and First Ameritas Life Insurance Corp. of New York, which utilize the UNIFI® or UNIFI® Companies marketing name. Ameritas Life Insurance Corp. is not licensed in New York. Each UNIFI company is solely responsible for its own fi nancial condition and contractual obligations. For more information about UNIFI Companies, visit UNIFIcompanies.com. UNIFI® and a UNIFI Company® are registered marks of the UNIFI Mutual Holding Company.

For Producer use only. Not for use with clients.

A. Andra Grava, CLU, RHU General Agent/Branch [email protected]

© 2011 UNIFI Mutual Holding Company DST 1586 VF 5/11

Jim Coyle, CLU, RHU, REBC [email protected]

Dallas DI Center17000 Dallas Parkway, Suite 226Dallas, TX 75248

972-774-9663972-774-1792 Fax888-735-5825 Toll-free

the naifa-dallas and our title sponsors financial … and our title sponsors, naifa-dallas

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