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The news and ideas magazine for the Agents of Liberty NationalThe news and ideas magazine for the Agents of Liberty National

HOW BAD DO YOU WANT IT?“The only place success comes before work is in the dictionary.”

~ Vince Lombardi

I ‘ve met many Agents throughout the years with numerous gifts, talents, and capabilities to offer. Some have had fantastic people skills; others have displayed an ability to lead; while others just seemed to have that certain something that made sales come easily to them. But regardless of any ingrained talent these individuals possessed, the longer I worked in this industry, the more I witnessed that these talents alone didn’t matter … at all. Alone, these talents might have made certain aspects of the job a little easier, but without dedication, without drive, and without time, effort, and hard work, talent falls flat. I noticed early on those who found success – myself included – were the ones who busted their butts to accomplish their goals. The ones who were willing to go the extra

mile that seemed too difficult for their peers to trek were the ones who ended up at the top of their Agencies, and once they got there, knew their efforts had been worth it.

A good and timely example of the rewards of hard work is being broadcast every weekend this fall. As another season of football is upon us, I hope while we cheer on our chosen teams we’re reminded of the devotion and hard work of players on the field. Whether you’re a fan of the college or professional level, these athletes represent the best of the best in their sport, and it took more than a good arm to get them where they are.

You owe it to yourself to make your goals a reality, especially when LNL’s Opportunity of a Lifetime is ready and waiting for you to push yourself toward a better, brighter future.

Among these athletes are those with incredible stories of beating the odds to achieve their dreams through their own hard work and dedication. I’m sure many of you are familiar with the story of NFL offensive tackle Michael Oher (whose life story has been depicted on the big screen). Oher’s childhood was comprised of a drug-addicted mother, an absentee father, and numerous stretches of homelessness … but with the help of a generous family and, more importantly, his strong will to succeed, he overcame his troubled past by working hard on the football field and with a private tutor to find success. Oher’s devotion to making a better life for himself paid off, as he went on to play football for the University of Mississippi and then for the Baltimore Ravens and now the Tennessee Titans1.

Going from homelessness to the NFL doesn’t just happen. Oher didn’t find a golden ticket or win the lottery. He made it happen. He made certain he would attain amazing success by working tirelessly toward his goals. And I’m guessing the promise of a better life than one of poverty and hardship was a big motivation to get him there.

So ask yourself, what motivates you? For many of the football stars we watch every week, I’m sure the glory of the game and victory on the field drives them, but we can use similar motivators to excel in our own careers. Qualifying for Convention, being featured in Torch, or gaining the respect of your Agency is some of the glory and victory one finds at LNL. And beyond that – working hard to make a better life for your family, buying a home, sending your children to a good school – there are so many reasons to excel in your career that any reason to take it easy pales in comparison. You owe it to yourself to make your goals a reality, especially when LNL’s Opportunity of a Lifetime is ready and waiting for you to push yourself toward a better, brighter future.

Finding success in your career and your life doesn’t come easily, but it’s absolutely worth the journey, even if parts of it may seem perilous. So make sure you keep your reason for success in mind (whether it’s for your family, your future, or just a dream of a better life) – it will motivate you to press on, even if taking the easy road becomes the appealing option. I know you have the capability, so make sure you have the will.

It’s first and goal … what’s your strategy?

Roger SmithPresident and Chief Executive Officer

* http://www.brainyquote.com/quotes/authors/v/vince_lombardi.html** http://usatoday30.usatoday.com/sports/football/nfl/2009-04-23-michael-oher-cover_N.htm 1 http://espn.go.com/nfl/player/_/id/12621/michael-oher

2 • Torch October 2014 HOW BAD Do You Want It?

Published by Liberty National Life Insurance Company for the dissemination of information to its Agents. Prior permission must be obtained from Liberty National Life Insurance Company for reproduction or other use of material herein.

TORCH STAFFDirector of Marketing

Christie GibsonEditors

Christine Perrenot Roberta Boyd King

Senior Copywriter Brynn Caccamo

Social Media and SEO Supervisor

Gina Circelli

Senior Graphic Designer Cal Slayton

Graphic Designer John Begg

Contact the Torch staff at [email protected]

to send photos and community involvement news, or to update your home address.

LIBERTY NATIONALlibertynational.com • lnlcareers.com • libertynationalblog.com • lnlacademy.com • libertycareercommand.com

SOCIAL MEDIA SHOUT OUT

SA Talmadge Person sporting his new worksite shirt. Looks great, Talmadge!

QUALITY AND PROFITABILITY LEADERSHIP ACADEMY Agency Owners and Quality

Managers gathered in Birmingham in September to attend a great Quality and Profitability Academy led by VP of Quality Luke Gilliam.

WORDS OF WISDOM“The price of success is hard work, dedication to the job at hand, and the determination that whether we win or lose, we have applied the best of ourselves to the task at hand.”

~Vince Lombardi

CODE OF BUSINESS CONDUCT AND ETHICS Please review Torchmark Corporation’s Code of Business Conduct and Ethics located on the Agent Services website.

LIBERTY NATIONAL IPOD®

Now playing:‘Roar’ by Katy Perry

AGENCY BUILDERS OF THE MONTH – AUGUSTThe August Agency Builder of the Month Award went to Michelle Rice Coupal of the Mike Isom Agency (left) and Kasie Watson of the Jill Wilmeth Agency (right). Keep up the good work, ladies!

Liberty National Life Lomenick Agency

Talmadge A. Person

On my way to an enrollment and reppin my Liberty National shirt.

Todd Lomenick shared Talmadge A. Person’s photo.

HOW BAD Do You Want It? October 2014 Torch • 3

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IT’S FOURTH AND GOAL!

HOW BAD Do You Want It?Football season is upon us! Athletes have

prepared all off season to accomplish

one goal. The sport relates so much to

our business, as it’s a challenge of X’s and

O’s (playbook), yards and inches (activity

model), blocking and tackling (facing

obstacles), and scoring (AP).

Whether you’re in the worksite or

individual market, your success depends

on the amount of knowledge you possess

and your understanding of systems that

can take your career and income to the

next level. The applied activity knowledge

comes from the proper execution of your

training and repetitive application. You

can become a master of the systems and

a more effective player on the field.

As a coach in a leadership role, the

continued success of your team is directly

tied to your application of systems and

adherence to the playbooks. Playbooks

help you train your top level recruits

effectively to make an immediate impact

on your team.

Football is a game of yards and inches.

Every team knows the objective is to

move the ball down the field, putting

teammates in the best possible position

to score. There’s a definitive number

directly tied to each objective as the ball

advances. At Liberty National, our yards

and inches are measured by the activity

model. Whether you work in the worksite

or individual market, your activity model

is measured by the number of walk and

talks, to presentations or appointments

needed to reach your Wildly Important

Number (WIN) from your Minimum

Realistic Optimistic number (MRO).

There’s a fine line between winning and

losing. Ask any coach or athlete, and

they’ll tell you football isn’t just about

talent. Talent can only take you so far. It’s

not about how well you understand the

plays. It’s not just about preparation. It’s

about how badly you want it. How badly

do you want to succeed? When the will to

win becomes stronger than obstacles in

front of you, failure will not overcome you.

In our business, we face obstacles and

encounter roadblocks, but we strengthen

ourselves by setting strong goals that are

stated with no alternatives in mind. Make

certain your goals are clearly defined

and measurable. Consider that some

goals may require help from others to

accomplish. Solicit help from the right

coaches who can encourage you and

help you accomplish what you want.

No doubt, scoring (AP) is the fun part of

our business! It’s fun to put points up on

the board, and do it often. Give yourself

a target each and every week so you’ll

light up the scoreboard! Hold inner office

challenges, or challenge your best week,

month, quarter, or year.

As we enter the fourth quarter of 2014,

now is the time to push forward. Set your

sights on finishing strong and taking your

momentum into 2015. We’ll raise our

glasses and celebrate a championship

banner year. Remember proper execution

of plays along with maximum effort

and a desire to win creates victories.

Victories create champions. Champions

become legends.

It’s fourth and goal. How bad do you

want it?


Leadership

Director Elgin Barnett@ElginBarnett

Nicholas Adams William Ray - AD

Deane Jewett - AO

Willie Brown Anna Boffo - AD

Heath Johnsey - AO

Suellen Bryant Brent Stanton - AD Tim Nuckolls - AO

Rico Butler Tanda Jackson - AD Marvin Odell - AO

Deborah Buxton David Bass - AD

John Brooks Jr. - AO

Christopher Cable David Bass - AD

John Brooks Jr. - AO

Thomas Caraway Jr. Dustin Watkins - AD

Lonell Plyler - AO

Marthina Carter Taylor Ivins - AD

Mark Woodruff - AO

Michael Conner Gabriel Speaks - AD Vickie Ketron - AO

Jove Cortez Stephen Turner - AD Larry McDaniel - AO

Janice Cotton Ronald Smith - AD

Terah Mims - AO

Taba Elliott Danielle Johnston - AD

Skip Bond - AO

Anthonia Ellis Carleus Johnson - AD

Owen Wilson - AO

Mistie Gilliland Marilyn Wiggins - AD

Clint McLain - AO

Martha Headrick Philip Nichols - AD Clint McLain - AO

Eva Heredia Carleus Johnson - AD

Owen Wilson - AO

Lafayette Hughes Jr. Gary Roberson - AD Tim Aderholt - AO

John Keen Keri Anderson - AD Sherri Young - AO

Brian Kemp Stephanie Pippen - AD

John Hadder - AO

Amy Knight Tracie Bean - AD

John Hadder - AO

Nathaniel Lickteig Timothy Wertz - AD

Tim Nuckolls - AO

Rodney Long Mark Wofford - AD

Jeff Miller - AO

Shawn Mason Tim Baucom - AD Larry Wood - AO

Shawn Mathenia Chris Johnson III - AD

Terah Mims - AO

Jonathan Odom Jokebed De Canal - AD

Tony Carter - AO

Russell Parham Anna Boffo - AD

Heath Johnsey - AO

Shavon Pierce Caryn McLain - AD

Carl Peevy - AO

Patrick Ratchford Michael Kirkpatrick - AD

Eddie Milner - AO

Justin Royer Addison Everett - AD Kevin Peterson - AO

Brian Sabogal Johan Blanco - AD Kathy Blanco - AO

Nikeia Scott Michelle Bourdon - AD

Sellors-Sellors - AO

David Simmons Justin Cochran - AD

Jill Wilmeth - AO

Charles Smith Jr. Randy Reeves - AD Tim Aderholt - AO

Shelbie Stingley Matt Carter - AD

Jason Everett - AO

Michael Swanson Jokebed De Canal - AD

Tony Carter - AO

Timothy Turner Justin Cochran - AD

Jill Wilmeth - AO

Joyce Williams Adam Van Daley - AD

Brian Cannington - AO

Kyle Woodfin Gary Dobbs - AD

Mark Woodruff - AO

Congratulations to our new Supervising Agents!

The Agency Builder of the Month Award recognizes the Supervising Agent who codes the most Agents.

The September Agency Builder of the Month Award goes to George Binet of the Larry McDaniel Agency. George coded 4 Agents in September.

For his achievement, George received a framed certificate of recognition and a letter from Executive Vice President and Chief Agency Officer, Steve DiChiaro, congratulating him on his commitment to developing new Agents and helping expand his Agency and the Company.

George Binet

LNLSeptember Top Agency Builders

# of Codes Supervising Agent Agency Director Agency Owner

4 George Binet Dana Fontenot Larry McDaniel

3 Nancy Alford Jessica Johnson Keith Mitchell

3 Rebecca Cabaniss Ed Edmondson Mike Isom

3 Tanya Cravens Shawna Pegg Nick Slagle

3 Melissa Johnson Nicole Brent Heath Johnsey

3 Amy Knight Tracie Bean John Hadder

3 Russell Mann Addison Everett Kevin Peterson

3 Joseph Mwawasi Jeff Splawn Sellors-Sellors

3 Patrick Ratchford Michael Kirkpatrick Eddie Milner

3 Melisha Shumpert Scott Smith —

3 Shelbie Stingley Matt Carter Jason Everett

Congratulations! 24 SAs coded 2 new Agents in September!


New Supervising Agents

33 Years of Service David Miller, Agent

28 Years of ServiceTim Woolf, AD

25 Years of ServiceBenny Bowman, AgentKeith Carr, AD

24 Years of ServiceShannon Lambeth, AORex Smedley, AOAlan Spafford, AO

23 Years of ServiceGary Norrell, AgentGloria Sinclair, Agent

21 Years of ServiceMargaret Cobb, AgentJames Holtsclaw, Agent

19 Years of ServiceClark Sanders, Agent

10 Years of ServiceNatalie Newsome, AgentCharles Smith, Agent

9 Years of ServiceLisa Denton, AD

7 Years of ServiceLisa Beck, AgentLeighanne Crews, ADTyler Mayo, AOPhilip Nichols, ADVanessa Trotter, ADChristia Woodford, AD

6 Years of ServiceJason Joiner, AOJill Wilmeth, AO

5 Years of ServiceRoy Latimer, AgentAlice Weston-Sherwood, Agent

4 Years of ServiceDouglas Barrett, AgentMichele Sellors, AO

3 Years of ServiceMichael Nash, Agent

2 Years of ServiceMarri Andrews, AgentMary Durden, AgentQuanitria Ellis, ADAddison Everett, ADKristin Frier, ADWilmar Gil, SAJessica Hubley, AOKristi Jackson, AgentJulie Lindsey, AgentMatthew Proctor, SAMatthew Turner, SASharon Unger, Agent

1 Year of ServiceBruce Alden, ADAshley Buckelew, ADCharlotte Burwell, SAJim Cooper, ADTammi Davis, ADStephen Foster, ADMary Harris, AgentJessica Holloway, SAVirginie Madistin, AgentBrittany Moore, SATalmadge Person, SAStephanie Pippen, ADChristopher Reece, SAEdward Rikard, AgentJohn Robertson, SANatalie Rowe, SAElisa Salazar, SAArnel Senson, SAAmanda Smith, AgentJohn Stagner, SAKimberly Sullivan, SACarrie Willingham, SA

Anniversary dates shown in Torch Magazine reflect continuous service based on the original contract date with LNL or UA, without regard to employment status.

Christopher Brooks Dothan, AL John Brooks Jr. Agency •

Jokebed De Canal Huntsville, AL Tony Carter Agency

Caryn McLain Atlanta, GA Carl Peevy Agency

Scott Misner Anniston, AL Steve Harris Agency

Stephanie Pippen Birmingham North, AL John Hadder Agency

Jon Reynolds St. Louis, MO Sheri Kirch Agency

Michael Simmons Cincinnati, OH Steve Hargis Agency

Lanessa Stansil Anniston, AL Steve Harris Agency

Congratulations!


LNLNew Agency Directors

Anniversaries

Director John Enright

Liberty National Book ClubThe Sales Leaders Playbook: Stop Managing, Start Coaching by Nathan JamailThe qualities required to be a great athlete are talent, determination, discipline, and strength. These same characteristics are what make a Liberty National Agent successful. Just like professional athletes, Liberty National Agents must consistently practice and train to be the very best. We need to use leadership guides and inspect our business in order to improve.

Why would others choose to follow your leadership? Can you commit to helping your Agency achieve its goals? In The Sales Leaders Playbook: Stop Managing, Start Coaching by Nathan Jamail, the author details specific leadership techniques, focusing on what it takes to create a winning team. Readers can execute game plans provided in the playbook to strengthen necessary skills and promote hard work on their team.

Practical advice and instruction, delivered through a unique sports theme, provides readers with the hands-on opportunity to innovate and expand their roles as leaders.

Empower yourself and others by sharing what you learn from the book. Pump up the culture of excellence in your Liberty National Agency and lead your team to victory!

Read the book? Start a discussion with other Agents about what you learned and how you’ll apply it.

Director of the Month

Congratulations to Director John Enright

for achieving Liberty National’s September Director of the Month Award.

John’s name will be engraved on a Director plaque displayed at the

Home Office. Executive Vice President and Chief Agency Officer

Steve DiChiaro recognized John at the October Directors’ meeting.


BOCA RATONFLORIDA

ON SCHEDULE FOR THE 2015 CONVENTION

TIM ADERHOLT AGENCYGainesville, GA

BILL LACOUNTBRANDON GARRETTCOREY HULSEYCRAIG WILSONDARREN ALEXANDERDREW ADERHOLTJENNIFER BENTONKEVIN FOSTERMARK WARRENRACHAEL SATTERFIELDRANDAL DALERANDY REEVESSERGE CLOUATRETIM ADERHOLT*WILLIAM MCCOLLISTERYOLY DALE

RICKY BEARD AGENCYCorinth, MS

ANTHONY BORDENBRADLEY GRAYCHAD ESSARYCYNTHIA BURCHAMDARRELL DAWKINSEDWARD FOWLERHEATHER WEBSTERJAMIE BARNES JOSHUA TRANUMKHARI HADDIXKRISTIE TATELISA BULLOCKMICHAEL NASHRICKY BEARD*

KATHY BLANCO AGENCYTampa Bay, FL

DAVID BURGMANJOHAN BLANCOKATHY BLANCO*

SKIP BOND AGENCYIndianapolis North, IN

BOB WORTHINGTONSKIP BONDTABA ELLIOTT

JOHN BROOKS JR. AGENCYDothan, AL

CHRISTOPHER BROOKSDAVID BASSJOHN LANGFORDJOHN LOVEMICHAEL PADGETT

BRIAN CANNINGTON AGENCYWaycross, GA

ADAM VAN DALEYBILLY YEOMANSBRITT MARCHMANCHRISTOPHER JONESCOREY BRADLEYSEAN DEBARRYHANA MOORMANJOHN O’BERRYPAM ROLLERSTANLEY JOHNSONTINA NICHOLS

TONY CARTER AGENCYHuntsville, AL

CHRISTIA WOODFORDDESTINY TAYLOR

ROB CZERWINSKI AGENCYChicago, IL

ELAISIUS BONNERERIN SCHWERTFEGERROB CZERWINSKI

JASON EVERETT AGENCYLittle Rock, AR

BRENT HENDERSONCHARLES BROWN JR.JACOB HARRMICHAEL VAUGHNRYAN POTTSSHELBIE STINGLEYSTEPHANIE LAWRENCESTEVEN GAITHERTERRI HOGAN

CHRIS GRAHAM AGENCYHouston East, TX

SANFORD SCHMICK

JOHN HADDER AGENCYBirmingham North, AL

MILDRED JACKSONSTEPHANIE LEWISTONI BURGIN

ANGELA HANSON AGENCYAlexander City, AL

ANGELA HANSON*AUSTIN GREENJUDITH GILBERTKENNETH BUCKTRACY BLACK

STEVE HARGIS AGENCYCincinnati, OH

STEVE HARGIS*

STEVE HARRIS AGENCYAnniston, AL

JIM COOPERJOHN GOSS IIIJONATHAN EVERLYSHERRY MATHEWSSTEVE HARRIS*

CAMY SMITH AGENCYColumbia, SC

DARRYL HUNTERMELISHA SHUMPERTMICHAEL CRANDALLSCOTT SMITHSUSAN CRANDALL

CEDRIC HIGGINS AGENCYColumbus, MS

LATESHA CLARK

MIKE ISOM AGENCYAlbertville, AL

MIKE ISOM*REBECCA CABANISS

STEPHANIE JACKSON AGENCYChattanooga, TN

B. SCOTT JACKSONCLAUDETTE HIGGINSNEAL TONY BAILEY IISTEPHANIE JACKSON*

DEANE JEWETT AGENCYColumbus, GA

DEANE JEWETT*LORI JEWETT

HEATH JOHNSEY AGENCYVirginia Beach, VA

ANNA BOFFO

JASON JOINER AGENCYDenver, CO

KYLE KELLER

VICKIE KETRON AGENCYKnoxville, TN

CAROL SPEAKSCHRISTOPHER REECEGABRIEL SPEAKSSHARI GROOMSVICKIE KETRON*

SHERI KIRCH AGENCYSt. Louis, MO

DARLA WATERSKAILEE IRVIN

BILL KNOWLES AGENCYMacon, GA

KRISTIN FRIERREGINA GREENTONYA CARDWELL

SHANNON LAMBETH AGENCYBaldwin County, LA

BENJAMIN BARRETTCHARLES RUSHDOUGLAS BARRETTJOEL CALHOUNLEISA SMITH

TODD LOMENICK AGENCYRaleigh Durham, NC

TODD LOMENICK

LARRY MCDANIEL AGENCYNew Orleans, LA

JOHN BARLOW PHILLIP WEGMANN TYLER MAYO

CLINT MCLAIN AGENCYJasper, AL

ALAN GOFORTHJOHN ROBERTSONMATTHEW WILSONPHILIP NICHOLS

JEFF MILLER AGENCYSpringfield East, MO

A.J. GOODJEFF MILLER*JOHN STAGNERMARK WOFFORDRODNEY LONGTOMMY RECTORTONY DIFILIPPO

EDDIE MILNER AGENCYBirmingham South, AL

MARY VENEZIAROBERT BICE JR.

TERAH MIMS AGENCYMemphis, TN

JANEE HODGESTERAH MIMS*

KEITH MITCHELL AGENCYJackson, AL

DONNA CHANCEYKEITH MITCHELL* NANCY ALFORDSHERRY GRAYWILLIAM ALLEN

JASON NEAL AGENCYCullman, AL

ARCHIE TERRY JR.BYRON SCHREIBERJAMIE SPEAKMANJASON NEAL* MELISSA MOONEYHAMMICHAEL LOGAN

TIM NUCKOLLS AGENCYSpringfield North, MO

BRUCE LEALIJASON ADAMSMATTHEW KELLERPAM STANTONSUELLEN BRYANTTIMOTHY WERTZWENDI THORNTON

MARVIN ODELL AGENCYTuscaloosa, AL

DOUG LAVENDERMARCUS MCMILLANTROY DEW

CARL PEEVY AGENCYAtlanta, GA

CARL PEEVY*CORKY ADDISON

KEVIN PETERSON AGENCYTulsa, OK

ADDISON EVERETTRUSSELL MANN

MITCH PHELPS AGENCYCharlotte Central, NC

ASHLEY RABONRAPHAEL TURNER

LONELL PLYLER AGENCYFlorence, AL

JERRY CROWELLKAY PERRYMAN

HOWARD RALSTON AGENCYDalton, GA

BRANDON HERNDONDAVID WILSONDONALD ASBELLFLOYD BYERSHOWARD RALSTON*JOSHUA PETERSKATHY SMITHMARK CHANDLERMORGAN CASSELSSTEVEN BYERS

SELLORS-SELLORS AGENCYFort Worth, TX

AMY SMITHCHRISTOPHER PENNERJEFF SPLAWNKEN KEITHMICHELLE BOURDONMICHELE SELLORS*TERESA LATKO

NICK SLAGLE AGENCYSpringdale, AR

NICK SLAGLE*SHAWNA PEGGVETA MELVIN

REX SMEDLEY AGENCYAustin, TX

MARRI ANDREWSMARY OWENRACHEL FENZREX SMEDLEY*

AARON SNIDER AGENCYIndianapolis, IN

AARON SNIDER*BRITTANY MOOREKASIA PRICEMALLORY RADUMATTHEW PROCTORSTEPHANIE LEONARD

ALAN SPAFFORD AGENCYSt. George, UT

ELIDORA LOVELESS

JILL WILMETH AGENCYNashville, TN

BRIAN STEELEDAVID SIMMONSJILL WILMETH*KEITH CARR

OWEN WILSON AGENCYOrlando, FL

AMBER HENDERSONC.J. COLLAZO SR.CARLEUS JOHNSONEMMANUEL LYLESGARY RUDDGARY TETREAULTJULIE PALIUCAKARINA JUHNKEOWEN WILSON*TODD GARIEPYUNA WALTERSZITA BROWN-WAMSLEY

LARRY WOOD AGENCYCharlotte East, NC

BUDDY MITCHELLHILLIARD BUCHANAN IV

MARK WOODRUFF AGENCYMontgomery, AL

CHARLES SMITHGARY DOBBS

SHERRI YOUNG AGENCYEnterprise, AL

ASHTON MCKELVYC. WAYNE FISHERDAVID MILLERKERI ANDERSONNICK BOUZIOSSHERRI YOUNG*

8 • Torch October 2014 HOW BAD Do You Want It?Liberty National recognizes Agents, Supervising Agents, Agency Directors, and Agency Owners, who are on schedule as of 10.06.14 for the 2015 Convention to be held June 14 - June 17, 2015. Qualifiers and/or Torch Club honorees must meet applicable Company minimum standards and qualifications for production, persistency, DCN, and recruiting to attend and/or be recognized in our Company magazine. *10 percent and above growth

THE LAW OF TRADE-OFFS 11From John Maxwell’s The 15 Invaluable Laws of Growth

“You have to give up to grow up.” - John Maxwell

Trade-offs are opportunities for growth that force you to make difficult personal decisions. As you mature and create professional and financial standing, you have a lot to risk.

What will it take for you to go to the next level?

Use the space below to brainstorm. By giving up one thing that distracts you from your business, what will you gain in return?

IF I GIVE UP ... I WILL GAIN ... ■ _______________________________________

_______________________________________

■ _______________________________________

_______________________________________

■ _______________________________________

_______________________________________

■ _______________________________________

_______________________________________

■ _______________________________________

_______________________________________

■ _______________________________________

_______________________________________

■ _______________________________________

_______________________________________

■ _______________________________________

_______________________________________

The difference between

where you are today

and where you want to be

tomorrow is determined by

the changes or trade-offs

you’re willing to make.

Trade the ‘known’ for the

‘unknown’!

Give up security for

significance!


LIBERTY NATI NAL’SSIX-MONTH MEDITERRANEAN CRUISE CONTEST

Traveling abroad with great friends!

Agent Darren Alexander and Wendy Jordan enjoy their beautiful surroundings.

AO Aaron Snider and wife Kasey.

Agent Jason Adams and wife Lisa above the

waters of Venice.

President and CEO Roger Smith and wife De.

Agent Wendi Thornton and husband Jerry cruise

through Europe.

“In our combined 30-plus years with Torchmark Corporation affiliates, this

was by far one of the best trips ever! We traveled on a luxury liner through Europe with the best of the best. We dare anyone to dispute the fact that

Liberty National offers the career and Opportunity of a Lifetime!”

–AOs Eric and Michele Sellors

AOs Aaron Snider and Steve Harris see the sights.

Agent David Burgman and wife Sandra relax

with dinner and drinks.

AOs Michele and Eric Sellors are all smiles.


LIBERTY NATI NAL’SSIX-MONTH MEDITERRANEAN CRUISE CONTEST

Liberty National’s Six-Month Mediterranean Cruise Contest winners traveled to Italy, Slovenia, and Croatia – VIP style! Take a look at photos from this trip of a lifetime.

Check out Liberty National’s Facebook and Flickr to see more pictures from the cruise!

Agent Ashton McKelvy and wife Valiece take in the view.

Agent Corey Hulsey and Corrie Hill sightsee

by gondola.

Group gondola ride!

EVP and CAO Steve DiChiaro and wife Holly.

Agent Bill Lacount and wife Donna.

“This was the most incredible trip we’ve ever experienced!”

~Agent Bill Lacount and wife Donna

“Hands down, this is the best trip I’ve ever been on!”

–Agent Corey Hulsey

“This was the most awesome trip I’ve ever been on. Wendy

and I loved it! We loved all the personal service we got on the ship. The crew was awesome!”

–Agent Darren Alexander

“The dream cruise was amazing! Waking up every morning in a whole new world was the

experience of a lifetime.” –AD Jeff Splawn

The gang enjoying a fun night of great food and even better company!

AD Mallory Radu and husband Alex.

Cheers to celebrating success!


Leadership Academy 201 Building for GrowthIn September, this fun group of Agency Directors traveled to the Home Office for #LLA201. They sharpened their recruiting, classroom training, goal setting, and conflict management skills!

Leadership 201 Building for Growth


Break it down! ADs show off their best dance moves.

ADs focus on taking their careers to the next level.

SVPs and #LLA201 graduates witnessed 20 gallons of ice and water poured on their leader who bravely

accepted the chilling challenge!

EVP and CAO Steve DiChiaro took the ALS Ice Bucket Challenge. Brrr!

Watch Steve take the ALS Ice Bucket Challenge on YouTube!

The Social Media Champion Award went to Anna Boffo of the Heath Johnsey Agency.

The Best Dressed Male Award went to Omar Ross of the

Stephanie Jackson Agency.The Best Dressed Female

Award went to Shawna Pegg of the Nick Slagle Agency.

The Best Participation Award went to Kevin Harris of the Stephanie Jackson Agency.




#LLA201 graduates strike a pose!

AD Stephen Foster shares feedback with the group.

ADs enjoy dinner at Brazilian steakhouse Braza Dancante after a day at #LLA201.

Ready for major league fun at Globe Life Park.

Contest winners cheer on the Texas Rangers in the suite. ADs Kyle Keller, Glenn Johnson, and Judith

Gilbert kick back and watch the game.

Contest winners earned the opportunity to watch an MLB game from the exclusive

and all-inclusive Torchmark suite.

The Best Dancer Award went to Adrian Moye of the

Todd Lomenick Agency.


At Liberty National, your future is determined by your will to work hard and your desire to establish a legacy. How bad do you want to be successful?

Ask yourself: How bad do YOU want it? Whether you’re striving to finance your dream home, send your children to the best schools, or change lives by providing needed insurance, you can make your dreams a reality. Let nothing stop you!

HOW BAD Do You Want It?

GROW AS A LEADER TO STRENGTHEN

YOUR TEAM z Qualify to attend Leadership Academy and learn from executives and Company leaders.

z Study leadership guides and perfect your skills. Be a leader others can depend on.

z Personal Recruit and share the Opportunity of a Lifetime with everyone you meet!

DRIVE THE LINE

z Establish your presence in the field and with your Agency. Let your goals be known and gain trust as a leader by helping others aspire to greatness.

z Use proven effective systems. The Laptop Sales Presentation, Worksite on Demand, and Playbooks help you score sales like a pro.

GET IN THE VICTORY ZONE

z Climb the career ladder. Increase sales, learn leadership skills, and personal recruit to grow from an Agent, to SA, to AD, then AO.

z Where do you want to take Liberty National? Explore new territory and open your own Agency to share the Opportunity of a Lifetime with others.

DON’T FUMBLE

GET OFF THE

SIDELINES

TACKLE OBSTACLES

COACH YOUR TEAM

NO EXCUSES

14 • Torch October 2014 HOW BAD Do You Want It? HOW BAD Do You Want It? October 2014 Torch • 15

TOP BONUS EARNERS

Qualifier Amount Agency Director Agency Owner

Jason Adams $8,910 Brent Stanton Tim Nuckolls

Melissa Mooneyham $3,544 Jamie Speakman Jason Neal

Melissa Nuckolls $2,876 Missy Henderson Jason Everett

Matthew Keller $2,851 Timothy Wertz Tim Nuckolls

Jordan Harr $2,718 Jacob Harr Jason Everett

Yoly Dale $2,641 Randy Reeves Tim Aderholt

Wilmar Gil $2,624 Johan Blanco Kathy Blanco

Britt Marchman $2,589 Adam Van Daley Brian Cannington

Rachael Satterfield $2,537 Craig Wilson Tim Aderholt

John Robertson $2,463 Philip Nichols Clint McLain

Agent Standings: 2014 Net Submit

Company minimum standards for production and quality must be met for Torch Club qualification and recognition in the Company magazine.

SEPTEMBER

1. Darren Alexander Gainesville, GA

$67,763 Craig Wilson - AD Tim Aderholt - AO

www.libertynational-aderholt.com

2. Jason Adams Springfield North, MO

$64,889 Brent Stanton - AD Tim Nuckolls - AO

3. Corey Hulsey Gainesville, GA


4. Serge Clouatre Gainesville, GA

$27,463 Drew Aderholt - AD Tim Aderholt - AO

5. Bill Lacount Gainesville, GA


6. Doug Lavender Tuscaloosa, AL

$25,056 Carlos Logan - AD Marvin Odell - AO

7. Michael Logan Cullman, AL

$24,286 Jamie Speakman - AD

Jason Neal - AO

8. Melissa Mooneyham Cullman, AL

$24,110 Jamie Speakman - AD

Jason Neal - AO

9. Raphael Turner Charlotte Central, NC

$20,368 Ashley Rabon - AD Mitch Phelps - AO

10. Tommy Rector Springfield East, MO

$19,779 Tony DiFilippo - AD

Jeff Miller - AO


“The difference between a successful person and others is not a lack of strength, not a lack of knowledge, but rather in a lack of will.”

Vince Lombardi

Agent Standings: 2014 Net Submit Agent Standings: 2014 Net Submit - YTD


2014

1. Jason Adams Springfield North, MO

$563,947 Brent Stanton - AD Tim Nuckolls - AO

www.libertynational-nuckolls.com

2. Darren Alexander Gainesville, GA


3. Corey Hulsey Gainesville, GA


4. Bill Lacount Gainesville, GA


5. Serge Clouatre Gainesville, GA

$171,872 Drew Aderholt - AD Tim Aderholt - AO

6. Doug Lavender Tuscaloosa, AL

$165,647 Carlos Logan - AD Marvin Odell - AO

7. Terri Hogan Little Rock, AR

$143,627 Barry Hogan - AD Jason Everett - AO

8. Ashton McKelvy Enterprise, AL

$138,242 Leighanne Crews - AD

Sherri Young - AO

9. David Burgman Tampa Bay, FL

$130,250 Johan Blanco - AD Kathy Blanco - AO

10. Yoly Dale Gainesville, GA

$120,958 Randy Reeves - AD Tim Aderholt - AO


“Confidence doesn’t come out of nowhere. It’s a result of something … hours and days and weeks

and years of constant work and dedication.”

Roger Staubach

SEPTEMBER

Agency Director Standings: 2014 FYA Net Submit

Top 10 Agency Directors - First Year Agent Net Submit in September

1. Mallory Radu Indianapolis, IN

$63,550 Aaron Snider - AO

www.libertynational-snider.com

2. Timothy Wertz Springfield North, MO

$50,240 Tim Nuckolls - AO

3. Ashley Rabon Charlotte Central, NC

$47,669 Mitch Phelps - AO

4. Mark Wofford Springfield East, MO

$44,958 Jeff Miller - AO

5. Jacob Harr Little Rock, AR

$44,724 Jason Everett - AO

6. Jamie Speakman Cullman, AL

$40,959 Jason Neal - AO

7. Shari Grooms Knoxville, TN

$40,618 Vickie Ketron - AO

8. Randy Reeves Gainesville, GA

$34,756 Tim Aderholt - AO

9. Sherry Mathews Anniston, AL

$33,977 Steve Harris - AO

10. Charles Rush Baldwin County, LA

$31,413 Shannon Lambeth - AO



“If you can believe it, the mind can achieve it.”

Ronnie Lott

2014

Agency Director Standings: 2014 FYA Net Submit Agency Director Standings: 2014 FYA Net Submit - YTD

Top 10 Agency Directors - First Year Agent Net Submit 2014

1. Mallory Radu Indianapolis, IN

$459,652 Aaron Snider - AO

www.libertynational-snider.com

2. Gabriel Speaks Knoxville, TN

$310,753 Vickie Ketron - AO

3. Jeff Splawn Fort Worth, TX

$309,925 Sellors-Sellors - AO

4. Bradley Gray Corinth, MS $255,063

Ricky Beard - AO

5. Jamie Speakman Cullman, AL $242,951

Jason Neal - AO

6. Ken Keith Fort Worth, TX

$238,434 Sellors-Sellors - AO

7. Ashley Rabon Charlotte Central, NC

$236,395 Mitch Phelps - AO

8. Drew Aderholt Gainesville, GA

$226,875 Tim Aderholt - AO

9. Gary Dobbs Montgomery, AL

$219,690 Mark Woodruff - AO

10. Mark Wofford Springfield East, MO

$218,814 Jeff Miller - AO



SEPTEMBER LEADERS

Owen Wilson Category 1 $131,814

libertynational-wilson.com

Ricky Beard Category 2

$110,123 libertynational-beard.com

Jeff Miller Category 3

$80,895 libertynational-miller.com

Keith Mitchell Category 4

$56,801 libertynational-mitchell.com

Steve Harris Category 5

$70,265 libertynational-harris.com

Aaron Snider Category 6

$73,682 libertynational-snider.com

Jason Neal Category 7

$57,103 libertynational-neal.com

Terah Mims Category 8

$81,642 libertynational-mims.com

Larry McDaniel Rookie $57,486

libertynational-mcdaniel.com

Todd Lomenick Startup $41,100

libertynational-lomenick.com

Agency Owner Standings: 2014 FYA Net Submit

“If you aren’t going all the way, why go at all?”

Joe Namath



Torch Magazine recognizes Agency Owners in Categories 1-8 based on performance factor or 10% and above growth.

Owen Wilson Category 1

libertynational-wilson.com

Ricky Beard Category 2

libertynational-beard.com

Sellors-Sellors Category 3

libertynational-sellors.com

Kathy Blanco Category 4

libertynational-blanco.com

Steve Harris Category 5

libertynational-harris.com

Aaron Snider Category 6

libertynational-snider.com

Jason Neal Category 7

libertynational-neal .com

Terah Mims Category 8

libertynational-mims.com

Skip Bond Rookie

libertynational-bond.com

Todd Lomenick Startup

libertynational-lomenick.com

Agency Owner Standings: 2014 FYA Net Submit Agency Owner Standings: 2014 Category Leaders - YTD


Category Agency Owner Performance Factor Growth % FYA % FYA Net Submit - YTD Total Net Submit - YTD

1 Owen Wilson 86% 12% 7391% $743,698 $1,586,897Tim Aderholt 82% 23% 5961% $809,071 $2,274,222Jason Everett 63% 10% 5322% $572,840 $1,416,953

2 Ricky Beard 150% 43% 10689% $775,360 $1,489,156Vickie Ketron 138% 18% 11978% $756,762 $1,063,701Howard Ralston 95% 11% 8427% $749,351 $1,409,959Sherri Young 83% 12% 7134% $471,274 $1,117,122Mark Woodruff 68% 2% 6584% $385,171 $891,615

3 Sellors-Sellors 223% 50% 17278% $768,194 $888,254Angela Hanson 139% 14% 12534% $645,258 $841,352Jeff Miller 101% 17% 8363% $371,819 $794,497

4 Kathy Blanco 131% 27% 10395% $437,855 $709,330Clint McLain 91% 1% 8990% $378,645 $634,371Keith Mitchell 90% 13% 7673% $305,239 $629,291

5 Steve Harris 151% 40% 11149% $365,250 $583,650Stephanie Jackson 150% 16% 13463% $441,039 $551,197Shannon Lambeth 93% 6% 8721% $306,097 $541,311Bill Knowles 68% 6% 6118% $214,732 $508,599Lonell Plyler 56% 8% 4832% $158,306 $494,762

6 Aaron Snider 257% 69% 18795% $527,772 $628,961Carl Peevy 128% 18% 10994% $308,701 $474,300Nick Slagle 84% 12% 7221% $185,872 $424,155Rex Smedley 72% 12% 5961% $167,380 $378,284

7 Jason Neal 235% 104% 13169% $308,162 $531,715Deane Jewett 108% 30% 7859% $183,908 $259,106Mike Isom 96% 10% 8616% $201,605 $365,251

8 Terah Mims 152% 51% 10088% $236,058 $313,567Steve Hargis 146% 66% 7989% $186,942 $231,512Jill Wilmeth 139% 42% 9685% $226,623 $360,837Haim Elfersy 57% 3% 5381% $125,904 $324,825

Category Agency Owner FYA Net Submit - YTD Total Net Submit - YTD

Rookie Skip Bond $358,499 $507,844Startup Todd Lomenick $264,975 $281,906

BonusQualifier Amount

AGENTSDARREN ALEXANDER $21,178

COREY HULSEY $12,920

DOUG LAVENDER $10,250

JASON ADAMS $8,910

JOHN GOSS III $8,347

BILL LACOUNT $8,204

ALAN GOFORTH $8,027

TOMMY RECTOR $7,469

ASHTON MCKELVY $6,682

MARK CHANDLER $6,169

TERRI HOGAN $6,093

NICK BOUZIOS $5,783

TERESA GRUBBS $5,734

CHARLES BROWN JR. $5,713

MICHAEL LOGAN $5,654

MARY OWEN $5,029

CAROL SPEAKS $5,011

WILLIAM ALLEN $4,840

SERGE CLOUATRE $4,838

DAVID MILLER $4,813

MARK MCMILLAN $4,699

HUNTER SELF $4,586

REGINA GREEN $4,479

EDWARD CAMPBELL JR. $4,277

C.J. COLLAZO SR. $4,269

GREGORY BISHOP $4,072

SANDRA MULKEY $3,996

JERRY CROWELL $3,959

BUDDY MITCHELL $3,637

LUKE BUTLER $3,567

MELISSA MOONEYHAM $3,544

JOHN LOVE $3,544

JULIE PALIUCA $3,477

Qualifier AmountROBERT BICE JR. $3,430

ROBERT SMITH JR. $3,404

MILDRED JACKSON $3,391

C. WAYNE FISHER $3,259

KENNETH BUCK $3,235

MICHAEL NASH $3,204

JOHN O'BERRY $3,184

A.J. GOOD $3,113

WENDI THORNTON $3,105

JOANN SPAFFORD $3,086

T. SIKES $3,070

JOEL CALHOUN $3,062

LARRY WASHINGTON $3,060

GARY SMITH $3,059

CHARLES SMITH $3,028

JORDAN MORROW $2,905

EDWARD FOWLER $2,887

KAY PERRYMAN $2,882

MELISSA NUCKOLLS $2,876

MATTHEW KELLER $2,851

DONALD ASBELL $2,837

MARY VENEZIA $2,834

WILLIE MCGEE $2,761

STEPHANIE LAWRENCE $2,754

JORDAN HARR $2,718

YOLY DALE $2,641

WILMAR GIL $2,624

BRITT MARCHMAN $2,589

MARION BEACHAM $2,581

RONNIE HARVEY $2,575

RACHAEL SATTERFIELD $2,537

JOHN ROBERTSON $2,463

TERESA BENNETT $2,445

PAM ROLLER $2,442

Qualifier AmountGARY RUDD $2,433

MICHAEL PADGETT $2,414

TONYA CARDWELL $2,413

LARRY CLOUD $2,360

STANLEY JOHNSON $2,308

VILENE RENFROE $2,258

DEBBIE BAILEY $2,247

CLARK SANDERS $2,243

ALICE WESTON-SHERWOOD $2,210

ELIDORA LOVELESS $2,196

BENJAMIN BARRETT $2,188

RAPHAEL TURNER $2,168

HANA MOORMAN $2,168

MARK WARREN $2,127

LIZBETH LOVELESS $2,118

TIMOTHY TURNER $2,116

PHILLIP WEGMANN $2,075

LISA BECK $2,012

RICHARD TATE $1,982

EDNA OWENS $1,976

BERNARD MARSALIS $1,958

TODD GARIEPY $1,950

RICHARD CRABTREE $1,939

CHRISTOPHER BROOKS $1,930

JOHN BARLOW $1,925

ROBERT RICHARDS JR. $1,908

GLORIA SINCLAIR $1,875

BRANDON GARRETT $1,867

LARHESA BAILEY $1,857

KEITH YARBROUGH $1,833

CYNTHIA BURCHAM $1,826

JOSEPH ROBERSON $1,814

ARCHIE TERRY JR. $1,774

KEVIN FOSTER $1,767

Qualifier AmountLEISA SMITH $1,753

MICHAEL CRANDALL $1,739

NANCY ALFORD $1,738

EVA HEREDIA $1,729

MARRI ANDREWS $1,719

DWIGHT STEWART $1,712

REBECCA CABANISS $1,700

LEIGH HOPSON $1,675

CLIFFORD HEMINGWAY $1,671

CHRISTOPHER PENNER $1,634

UNA WALTERS $1,609

ELAISIUS BONNER $1,585

NATALIE NEWSOME $1,540

JESSICA HENDERSON $1,485

BARRY WILMOTH $1,473

TONYA CLOER $1,473

CHRISTINA COLVIN $1,463

KAILEE IRVIN $1,457

RANDAL DALE $1,456

JOHN STAGNER $1,450

COREY BRADLEY $1,439

SONJA OVERSTREET $1,437

DESIREE WOODS $1,437

RICHARD BYRD $1,422

BRANDON TROUT $1,415

ZITA BROWN-WAMSLEY $1,396

JESSICA RICHARD $1,380

DOUGLAS BUTLER $1,368

TAMEKA MCLEOD $1,345

BRIAN SABOGAL $1,344

SHEILA MITCHELL $1,343

GREGORY BRANNON $1,342

TYLER CREIGHTON $1,338

B. SCOTT JACKSON $1,331

TOTAL: $946,257



BYRON SCHREIBER $1,328

TINA MILLER $1,315

JOSHUA TRANUM $1,312

ANTHONIA ELLIS $1,305

DWIGHT HIXON $1,288

BRIAN ROWLAND $1,277

SHAWN WYNN $1,274

TINA NICHOLS $1,273

KASIA PRICE $1,253

ANNETTE AMRHEIN $1,245

BRIAN STEELE $1,228

CARRIE WILLINGHAM $1,227

TOMY CRUZ $1,206

STEWART ROSS $1,204

MATTHEW PROCTOR $1,199

STEVEN GAITHER $1,175

SCOTT MICHAELS $1,168

HEATHER BOOKOUT $1,162

SANFORD SCHMICK $1,160

QUENTIN ROMAN $1,132

VETA MELVIN $1,129

ALEXANDRU RADU $1,114

JEREMY MOSS $1,104

GARRETT ZIMMERMANN $1,094

HEATHER WEBSTER $1,091

JOHN PAYNE $1,087

GARY TETREAULT JR. $1,084

WILLIAM BARKER $1,076

LORI FULMER $1,068

LUKE FLOYD $1,064

JOHN LANGFORD $1,060

MIGUEL CRUZ $1,058

JENNIFER BENTON $1,045

KAITLYN HAMMONTREE $1,030

Qualifier AmountRICHARD HAMID $1,027

SUSAN MCCRAY $1,026

CHRISTOPHER REECE $1,014

WANDA SEAR $1,011

RANDI SMITH $1,009

SHAWNA GARNER $1,006

BRIAN HENDRIX $996

ANGANIE LACHMAN $980

BRITTANY MOORE $971

BETTY JACKSON $971

LISA WILKERSON $960

ANTHONY BORDEN $951

KENYA WEAVER $937

DALE MCGREGOR $934

ALEXIS ANDERSON $930

CHRISTOPHER JONES $928

JERMIAH BROWN $924

LANESSA STANSIL $922

EDNA SMITH $915

MICHAEL GRAY $915

KHARI HADDIX $908

TONY GRADDY $897

THEODOR REMMAN $890

HEATHER BLAKE $888

JON HILL $888

MICHAEL CONNER $879

TONY BUCK $871

MISTIE GILLILAND $867

RICHARD GREENE $860

CHARLES SMITH JR. $858

NATHAN SPIDEL $857

TABA ELLIOTT $856

JOHN COLE $846

JIMMY COOK $843

Qualifier AmountRAE NA $839

BRANDON CENTO $834

MARTHA HEADRICK $823

IAN LETTERMAN $823

MARION THOMAS $800

BENNY BOWMAN $789

DAVID GRAHAM $780

RONDA SCHAEFFER $773

ROBERT BIRELY $771

RAYMOND HENDERSON $769

DAVID COOPER $760

TRACY BLACK $759

LUC JOSEPH $755

MARIA RAMSEY $745

ANDREW SPIRES $744

MICHELLE WHITE $739

DAINA MOSKAVICZ $707

LADONNE LEWIS $695

RODNEY LONG $675

CHAD BRYAN $664

TANYA CRAVENS $657

MICHAEL VAUGHN $653

CYNTHIA THOMAS $651

BRANDON GOODMAN $637

DAVID WILSON $635

JASON ZITTLE $631

TROY DEW $630

STEPHANIE LEONARD $629

BARBARA HENDERSON $623

SADIE ANDERSON $621

JACQUELINE CEMAN $618

CHRYSTAL JOHNSON $617

DERRICK GLASS $611

TAYLOR WERTZ $608

Qualifier AmountSANDRA KEARNEY $603

RICO BUTLER $600

AQUANITA MCCLANEY $598

PHILIP WEST $595

STEVEN BYERS $592

DIANA MCCURRIE $592

SUELLEN BRYANT $588

AMY SMITH $588

AMY PARRISH $586

ARLENA LEE $585

SHAVON PIERCE $583

CATHERINE HENSON $578

KATHERINE WATSON $577

KEVIN PRESTON $561

STEPHANIE URIBE $557

MELISSA BINGHAM $556

EMANUEL THORPE $555

KIMBERLY JOHNSON $554

AUDRA STRICKLAND $551

JOSEPH LLOYD $549

PATRICK MCCANN $544

JEAN MERLET $532

DAPHNE MOORE $530

JANEE HODGES $527

MARY MOORE $526

MARY VINSON $526

LISA BULLOCK $523

ALAN TRIPP $522

CYNTHIA COVINGTON $521

JOHN KEEN $520

PATRICIA ODOM $518

SASHA ELLIS $503

SHERRY WILSON $502

KELLY KAUFMAN $501



AMY KNIGHT $500

CHARLES ROGERS JR. $498

TERRENCE MORRIS $497

MICHELLE RICE COUPAL $496

PAM STANTON $495

HEATH PRICE $488

JEFFREY KELLEY $488

MORGAN CASSELS $488

PATRICK RATCHFORD $483

RUSSELL MANN $483

JOHNNY BRAGG $480

SUMMER NEUMAN $477

DESTINY TAYLOR $475

JACKSON JEFFRIES $467

RICHARD BOWDEN $461

KELLY BRIDWELL $456

JESSICA RUSH $453

JOSEPH MWAWASI $452

KAREN TRAVELSTEAD $451

WILLIAM STAFFORD II $450

DOUGLAS MARCUM $448

DAVID STEELE $447

SHERRI BYRD $446

JAMES BRASHER $446

PAIGE RUSHTON $440

DAVID YATES $438

JENNIFER LEEVER $435

CHRISTIAN LACKEY $434

DAMION LUMSDEN $426

ANDY MASHBURN $420

ALISHA LEWIS $418

ROSEANNE SILBERMAN $417

RODGER REESE $415

RHONDA GLASS $409

Qualifier AmountKATHRYN LARSON $407

DOUGLAS BARRETT $405

WILLIAM MCCOLLISTER $403

MARY HARRIS $401

JENNIFER SEITZ $397

SHARON UNGER $397

ANDREW FETZER $396

NATHANIEL LICKTEIG $391

HARLIE NIVENS $385

MATTHEW MCDANIEL $384

DANIEL WALTERS $384

VANESSA RUDOLPH $381

JOCQUELINE MILLICAN $380

ALTON ADKISON $375

THOMAS MOORE JR. $371

MELISHA SHUMPERT $368

STEVEN BISE $367

MICHAEL WALKER $366

NANCY WIELECHOWSKI $363

AMANDA SMITH $362

MEGAN MCKEE $357

REANDA KIRCHNER $356

LAUREN HEIOB $356

DARRYL HUNTER $355

THAO VANG $353

WILLIE BROWN $353

EMMANUEL LYLES $351

FRANK SANTIAGO $346

HARRY OKAHASHI $346

TIFFANY ANDERSON $344

ANGELA BROADEN $344

WAYRAH SMITH $344

SHARON HELMS $342

BENJAMIN MEHR $339

Qualifier AmountMICHAEL SWANSON $335

KRISTEN MILLER $335

JOASSAINT CALIXTE $327

WILLIAM KEZERLE $324

KAMI BRANSCUM $324

ANGIE SEMES $323

ASHTON TUCKER $320

SHELBIE STINGLEY $319

SHARON GREEN $317

MIREYA CASTRO $317

JOSHUA PETERS $316

SHANDREUA COOK $316

GARY NORRELL $316

ALEJANDRA RAMOS $310

STEPHANIE HOWSER $309

ELEXIS ASH $308

RICHARD BLOYD $307

DIANA HASTEN $306

JESSIE JAMESON $305

MARK BRANHAM $303

BRIGITTE SAYSTER $302

ELIZABETH CARTER $301

JAMES HOWARD $299

DAVID SIMMONS $295

ALEKSANDR REMINSKY $295

RENEE WEBER $295

MOSES COLEMAN $294

TERESA DAVIS $292

ROY LATIMER $290

DAPHNE HODGES $289

DANIEL LEONARD $286

RICHARD PARKER JR. $286

THOMAS MATCHEN $285

JUSTIN JAMERSON $285

Qualifier AmountJOVE CORTEZ $282

RACHEL DISON $280

CHARLTON HARDAGE $279

BRIAN BRYANT $277

ALLISON STEPHENS $275

JAMES ROBINSON $275

APRIL ANDERSON $275

SHAWN MATHENIA $275

CARYN MCLAIN $272

GEORGE BINET $272

KATHY SMITH $269

SAMANTHA BAKER $266

RYAN POTTS $261

JEFF WALLMARK $261

ALYSSA STEWART $258

VICKY LEE $256

AMY BEDSOLE $256

JONATHAN ODOM $253

SHIRLEY STOKER $252

AMY OWENS $252

DAVID TUBBS $252

CAROLYN HUNT $243

TAMMY MALONE $242

DAVID CANTLEY $239

LISA FORD $239

JAMES NAUROTH $238

KIMBERLY SCALES $237

ASHAR ELLIOTT $232

DEBRA LUCAS $231

ALTON ROGERS $231

JEROME HUGHES $231

JOHANNA LEE $229

JOSE URUENA $228

SHANIKA MCREYNOLDS $228



BRUCE MCKIM $228

REBECCA JORDAN $222

KIMBERLY SULLIVAN $219

ROBERT CALDWELL $218

AMY JONES $217

AUDREY DAVIS $217

STEPHEN FIELDS $215

STACEY SIMS-ALLEN $212

JOHN WILLIS $211

JEANETTE LENOX $208

ELEANOR HARWELL $208

CHRISTOPHER MOORE $208

LESTER MICKENS $207

MICHAEL SULLIVAN $205

JESSICA VANSICKLE $204

HOLDEN PHILLIPS $204

CARMEN JONES $200

MARGARET BURCHAM $200

AGENCY DIRECTORSCRAIG WILSON $10,489

MALLORY RADU $8,129

CHARLES RUSH $7,347

TIMOTHY WERTZ $7,165

JACOB HARR $6,330

CHRIS JOHNSON III $5,716

CARLEUS JOHNSON $5,661

JESSICA JOHNSON $5,638

JAMIE SPEAKMAN $5,429

MARK WOFFORD $5,331

TONY DIFILIPPO $5,196

ERIN SCHWERTFEGER $4,941

ADAM VAN DALEY $4,904

KERI ANDERSON $4,724

SEAN DEBARRY $4,686

Qualifier AmountBRADLEY GRAY $4,414

SHARI GROOMS $4,410

PHILIP NICHOLS $4,395

TONYA WOODSON $4,368

GABRIEL SPEAKS $4,345

GARY DOBBS $4,326

TRACIE BEAN $4,222

MICHELLE BOURDON $4,168

DREW ADERHOLT $4,107

DARRELL DAWKINS $3,980

BRANDON HERNDON $3,932

SCOTT SMITH $3,917

JUDITH GILBERT $3,790

BRENT STANTON $3,655

SHERRY MATHEWS $3,579

KEN KEITH $3,479

ASHLEY RABON $3,461

ADDISON EVERETT $3,436

DARLA WATERS $3,307

SONYA COUNCIL $3,281

ED EDMONDSON $3,008

SHAWNA PEGG $2,968

JENNIFER LANGHAM $2,923

ANNA BOFFO $2,897

JUSTIN COCHRAN $2,818

JAMIE BARNES $2,803

TYLER MAYO $2,763

CHRISTOPHER LOVELESS $2,685

SUSAN CRANDALL $2,643

RANDY REEVES $2,631

JEFF SPLAWN $2,598

DONNA CHANCEY $2,563

MICHAEL SILVERS $2,557

JOHAN BLANCO $2,546

Qualifier AmountJONATHAN EVERLY $2,510

ALAN BECK $2,398

DUSTIN WATKINS $2,374

RACHEL FENZ $2,349

SEAN PASSARO $2,293

AUSTIN GREEN $2,262

ROBERT NEW $2,242

CHRISTIA WOODFORD $2,230

ELENA WILSON $2,227

MATT CARTER $2,173

QUANITRIA ELLIS $2,096

KRISTIN FRIER $2,091

HOLLY WILHELM $2,090

CORKY ADDISON $2,074

LISA BLANTON $2,066

STEPHANIE LEWIS $1,972

KYLE TETREAULT $1,960

OMAR ROSS $1,942

CARLOS LOGAN $1,941

KIRK BUTLER $1,924

MARILYN WIGGINS $1,918

CHAD ESSARY $1,908

KRISTIE TATE $1,889

TIM WOOLF $1,853

JIM COOPER $1,847

STEPHEN TURNER $1,808

GARY FERGUSON $1,790

MISSY HENDERSON $1,755

ASHLEY BUCKELEW $1,749

JOKEBED DE CANAL $1,733

BILLY YEOMANS $1,729

JUSTIN WADDLE $1,703

KYLE KELLER $1,697

GLENN LAMBERT $1,547

Qualifier AmountAMBER HENDERSON $1,539

TONI BURGIN $1,537

JASON PERRY $1,524

AMANDA WELLS $1,523

KEVIN HARRIS $1,498

HENRY REECE $1,474

CLAUDETTE HIGGINS $1,465

CHRISTINE KING $1,456

KEITH CARR $1,419

KEVIN MCGOWN $1,415

TIM BAUCOM $1,395

STEPHANI STELTENPOHL $1,363

MICHAEL SMITHERMAN $1,361

KEVIN JANKOWSKI $1,328

GLENN JOHNSON $1,313

THACH VU $1,304

DEANNA WHITE $1,294

RICK PLUFF $1,294

JOHNNY WILSON $1,286

LEIGHANNE CREWS $1,247

HORACE GREENE $1,237

MICHAEL KIRKPATRICK $1,236

PATRICK KNOWLES $1,235

DAVID BASS $1,229

STEPHEN HARRIS $1,199

JIMMY FLANDERS JR. $1,195

VALERIE SHEPPARD $1,178

MARCUS RICH $1,172

JEFFREY ELLIS $1,162

TANDA JACKSON $1,083

DAN DOWLING $1,075

NEAL TONY BAILEY II $1,044

LORI JEWETT $1,035


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Steve DiChiaroExecutive Vice President and Chief Agency Officer

HOW COMMITTED ARE YOU? Remember when you were a teenager and there was something you desperately wanted? Maybe it was a new sound system for your car, or a TV or computer for your bedroom. You were probably willing to do anything and everything you could to earn money to buy it. The stakes are different for you today, but the idea of working hard to get what you want is the same.

You’ve heard the expression, “there’s no such thing as a free lunch” (except at Leadership Academy). It’s true, at least for most of us. If you want something, you have to work for it and do what is required to get it. That often means moving outside your comfort zone. But getting outside your comfort zone is generally what you must do to get to the next level of success. Agency Owners like Tim Aderholt, Ricky Beard, and Sellors-Sellors didn’t become top producers overnight. They had to learn the processes, make a few mistakes along the way, and meet the same challenges that all successful Agency Owners meet. Doing what it takes to get what you want is not always easy. Anything worth doing and anything worth having generally comes with some sacrifices along the way. But the sense of personal and professional satisfaction you feel makes everything you do worthwhile.

Are you committed? Are you willing to do what it takes to become the best you can be … whether that’s Agent, Supervising Agent, Agency Director, or Agency Owner? If you’re content being an Agent for your entire career, determine to be the best Agent on the planet! But if you have the desire to move up the career ladder, then don’t let anything stop you. Determine right now you will become the very best of whatever you choose to be. And share your goals with others; they can help you to get there, and, in the process, fulfill their own goals.

How do you become the best you can be? Proper training is obviously important. You must know our products to help your customers make the right selections. You must learn Liberty’s systems and practices. You must prospect to create adequate sales opportunities. But the single, most important characteristic of a successful individual — in any industry — is attitude. If you want to create success, you have to think success! It doesn’t matter where you come from. It doesn’t matter if you don’t have a college degree. It doesn’t matter if you don’t have previous sales experience. The only thing that truly matters is that you have the right attitude. If you’re willing to work hard and are trainable, YOU WILL SUCCEED!!

When you truly believe in yourself, everything else can fall into place. How do you achieve the right attitude? BELIEVE IN YOURSELF! Believe you are the best insurance Agent at Liberty National. Believe in your abilities to create the kind of life you want and deserve and be willing to put in the time and effort to achieve it. When you truly believe in yourself, everything else falls into place.

You have the Opportunity of a Lifetime to become the best you can be for yourself, your family, and for Liberty National. You can have it all! So what are you waiting for?


Perspective

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