weekly bulletin published in fort worth, texas for f&r agents · 11-03-2019  · mark simpkins...

11
Volume 23, Issue 11 2. Greg Fallin TX $ 1,906 3. Jose Cervantes TX $ 1,233 4. Mark Simpkins OH $ 1,016 5. Jerry Evins TX $ 405 In God We Trust March 11, 2019 Volume 23, Issue 11 Weekly Bulletin Published in Fort Worth, Texas for F&R Agents A Faith-Based Company Life A.V. Health A.V. Mike Sosso TX $ 6,908 Mark Simpkins OH $ 22,630 Important Notice regarding the F&R Bulletin: The F&R Weekly is published by Farm & Ranch Healthcare, Inc. for the dissemination of information to its Agents. It is not intended to be used as advertising material. Permission must be obtained from Farm & Ranch Healthcare, Inc. for reproduction or other use of material herein. This weekly bulletin is intended for distribution to the independent professional sales associates affiliated by contract with Farm & Ranch Healthcare, Inc. It is not intended nor authorized to be used as a sales tool and its contents are not to be shared by any means with anyone not currently contracted with Farm & Ranch Healthcare, Inc.- Thank you. CA License#:CAOC01351 2. Greg Fallin TX $ 5,669 3. Rob Lackey TX $ 2,360 4. Lisa Wallace TX $ 2,234 5. Bobby Dunn TX $ 1,592 6. Bill Gnemi LA $ 1,563 7. Derrell Beck TX $ 1,353 8. David Kaulzarich IA $ 1,162 9. Michelle Hilgendorf TX $ 1,099

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Page 1: Weekly Bulletin Published in Fort Worth, Texas for F&R Agents · 11-03-2019  · Mark Simpkins OH $ 1,016 5. Jerry Evins TX $ 405 In God We Trust March 11, 2019 Volume 23, Issue 11

Volume 23, Issue 11

2. Greg Fallin TX $ 1,906

3. Jose Cervantes TX $ 1,233

4. Mark Simpkins OH $ 1,016

5. Jerry Evins TX $ 405

In God We Trust

March 11, 2019 Volume 23, Issue 11

Weekly Bulletin Published in Fort Worth, Texas for F&R Agents A Faith-Based Company

Life A.V. Health A.V. Mike Sosso TX $ 6,908 Mark Simpkins OH $ 22,630

Important Notice regarding the F&R Bulletin: The F&R Weekly is published by Farm & Ranch Healthcare, Inc. for the dissemination of information to its Agents. It is not intended to be used as advertising material. Permission must be obtained from Farm & Ranch Healthcare, Inc. for reproduction or other use of material herein. This weekly bulletin is intended for distribution to the independent professional sales associates affiliated by contract with Farm & Ranch Healthcare, Inc. It is not intended nor authorized to be used as a sales tool and its contents are not to be shared by any means with anyone not currently contracted with Farm & Ranch Healthcare, Inc.- Thank you. CA License#:CAOC01351

2. Greg Fallin TX $ 5,669

3. Rob Lackey TX $ 2,360

4. Lisa Wallace TX $ 2,234

5. Bobby Dunn TX $ 1,592

6. Bill Gnemi LA $ 1,563

7. Derrell Beck TX $ 1,353

8. David Kaulzarich IA $ 1,162

9. Michelle Hilgendorf TX $ 1,099

Page 2: Weekly Bulletin Published in Fort Worth, Texas for F&R Agents · 11-03-2019  · Mark Simpkins OH $ 1,016 5. Jerry Evins TX $ 405 In God We Trust March 11, 2019 Volume 23, Issue 11

Volume 23, Issue 11

Farm & Ranch Healthcare, Inc.

Carrier Products Sold Weekly A.V. / Top Producer

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Foundation Health Enhanced Hospital Expense Protection STM GI STM—5 AME—Plan Enhancer—3 TRIOMED AME/CI

Life / Critical Illness Cancer / Heart / Stroke Accident Indemnity Dental PPO Dental—1 Term Life

$ 23,998.00 Health

Mark Simpkins OH

$ 2,234.00 Health $ 1,746.00 Life

Med Sup—Traditional—1 Med Sup—High Ded Plan F—1 Disability Med Sup—Traditional Disability Med Sup—High Ded Plan F Cash Cancer Critical Illness No First Year Prem Acc Death—1

Foundation Life Series II 10 YR Renewable Term 10 Yr to ART 20 Yr to ART Lifestyle Annuity—2 Juvenile Life

Final Expense-WL—2 Lisa Wallace TX

Life Insurance Child Whole Life Living Promise—3 Term Life Answers—2 Term Life Express—4 GUL GUL Express Guarantee Advantage—1 IUL Income Advantage—1 Protection Advantage—1

Med Sup—10

PDP

Critical Advantage—1

Dental Dental Preferred Dental Protect

Disability Income Priority Income Disability Income Choice

Long Term Care Mutual Care Solution Annuities Bonus Flex Ann. Ultra-Secure Single Prem Ann.

$ 13,724.00 Health $ 9,722.00 Life

Mike Sosso TX

Not Insurance $29.90 monthly Family Membership Dues—Less Than a Dollar A Day!

Silver Membership

$ 6,817.20 19 New Members

MyTelemedicine $5000 (Guaranteed Converti-

ble) Group Life Insurance

Deep Dental Savings Emergency Roadside Assit. RX Savings

See disclosure on page 7

Page 3: Weekly Bulletin Published in Fort Worth, Texas for F&R Agents · 11-03-2019  · Mark Simpkins OH $ 1,016 5. Jerry Evins TX $ 405 In God We Trust March 11, 2019 Volume 23, Issue 11

Volume 23, Issue 11

Greg Fallin $ 100

Mike Sosso $ 600

Not Insurance

Agent Commission Bonus Jackie Beatty $ 200 $ 200

Jerry Evins $ 100 $ 100

Greg Fallin $ 100 $ 100

Greg Hagenston $ 100 $ 100

Phil Martin $ 300 $ 300

Steve Simmons $ 600 $ 600

Mark Simpkins $ 300 $ 300

Lisa Wallace $ 200 $ 200

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Derrell Beck $ 100

Bobby Dunn $ 100

Greg Fallin $ 300

Bill Gnemi $ 100

Michelle Hilgendorf $ 100

David Kauzlarich $ 100

Rob Lackey $ 200

Lisa Wallace $ 100

No Winner

No Winner

You can’t stop the waves… but you CAN Learn to Surf !

Zig Ziglar

Page 4: Weekly Bulletin Published in Fort Worth, Texas for F&R Agents · 11-03-2019  · Mark Simpkins OH $ 1,016 5. Jerry Evins TX $ 405 In God We Trust March 11, 2019 Volume 23, Issue 11

Volume 23, Issue 11

Bonus Rules:

Bonus will not be paid for products written on Family Members, Yourself or any other F&R Agent and/or Manager.

Bonus is subject to charge backs if lapsed, declined or cancelled by the Ins Company and/or the Policyholder within the first 90 days.

No Bonus applicable to internal replacement applications and re-submitted applications (previously submitted) will be paid only if the original bonus has been charged back. Multiple submissions will be determined on a case by case basis.

All Agents / Managers must maintain an acceptable Net to Gross Ratio in order to qualify for Bonus.

Bonus & Commission is not paid on Trial Applications until policies are placed & premium received.

Heartland conversion applications count toward bonus qualifications.

Heartland Commissions will be charged back on all Heartland Memberships lapsed or cancelled within the first year.

Only applications that are submitted on Bank Draft Mode qualify for Bonus Program

One bonus payable per application

Medicare Supplement Guaranteed Issue business for reasons other than “aging in” do not qualify for bonus.

Heartland Silver Bonus Write a Heartland Silver membership and receive . . .

(PLUS $100 Commission) $200 Total Life & Accidental Death E-APP Bonus

Write any MOO or UA Life or Acc Death E-APP or a paper app on any MOO IUL ,GULE, GUL (Min. $60 monthly premium) and receive . . .

Medicare Supplement E-App Write a Mutual of Omaha or United American E-App (Plans F, G or N) excluding High Deductible Plan F (HDF)

Mutual of Omaha Critical Advantage E-App Bonus Write a Mutual of Omaha Critical Advantage E-App (Min $100 monthly premium) and receive . . .

Mutual of Omaha Long Term Care E-App Bonus Write a Mutual of Omaha Long Term Care E-App Mutual of Omaha Term Life Express and Living promise

And United American Final Expense receive an ADDITIONAL

(Min Monthly premium 60.00)

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Providing the highest quality LEADS is an integral part of our unique BONUS Program!

Page 5: Weekly Bulletin Published in Fort Worth, Texas for F&R Agents · 11-03-2019  · Mark Simpkins OH $ 1,016 5. Jerry Evins TX $ 405 In God We Trust March 11, 2019 Volume 23, Issue 11

Volume 23, Issue 11

Mutual of Omaha Guaranteed ADvantage Accidental Death Up to $1,000,000 in total benefits under certain circumstances. Otherwise up to $500,000.00 in benefits Issued up to age 18- 70. Renewable up to age 80

Mutual of Omaha Term Life Express - Available up to $25,000 up to $300,000** Face - Issue Ages 18– 70*

Mutual of Omaha Living Promise - Final Expense Available up to $40,000** Face - Issue Ages 45-85* Mutual of Omaha Guarantee Universal Life Express

Available $25,000 up to $ 250,000** Face - Issue Ages 18- 65*

Mutual of Omaha Children’s Whole Life- Available $2,000 up to $ 50,000 Face – Issue Ages 14 Days– 17 yrs

United American Final Expense Available up to $25,000** Face - Ages 50-80*

United American Juvenile Whole Life Available up to $25,000 Face - Ages 0-18

FULLY UNDERWRITTEN Mutual of Omaha Term Life Answers Available $100,000 up to $65,000,000** Face - Ages 18– 80* Mutual of Omaha Guaranteed Universal Life (GUL )

Available up to $100,000 up to $65,000,000** Face - Ages 0-85*

Mutual of Omaha Income Advantage Indexed UL Available up to $100,000 up to $65,000,000** Face - Ages 0-85*

Mutual of Omaha Life Protection Advantage Indexed UL Available up to $100,000 up to $65,000,000** Face - Ages 0-85*

United American “Fundamental Series” Term Life Available up to $25,000—$500,000** Face - Ages up to 20-70*

Maximum issue age will vary based on product, Term length, risk class, tobacco use and state mandates. ** Maximum Face Amounts will vary based on age, product, Term length, risk class, tobacco use and state mandates. Face amounts are also subject to financial underwriting requirements based

on insurability.

Silver Membership

MyTelemedicine $5000 Group Life Insurance up to age

70! Deep Dental Savings RX Savings Vision Savings MAS Benefits

$29.90 Monthly Family Membership $29.90 Enrollment Fee

Less Than a Dollar A Day!

Not Insurance

National General Foundation Health Plan Fixed-Benefit Indemnity Plan offers predictable and affordable access to health care. Issue Ages 18-64

NGIC Short Term Medical Plan with a guaranteed issue option – Term Medical insurance It provides the financial protection you need from unexpected medical bills and other health care expenses. Issue Ages 18-64 Up to 12 mo options ...Max. allowable policy period is 364 days. Policy durations will vary by state. Some states have a maximum duration of 3 or 6 months.

Mutual Of Omaha Companies Medicare Supplement Plans Issue Ages 65 and Up

United American ProCare® Medicare Supplement Plans Issue Ages 65 and up * Some States Underage 64 Disability Med Supp

Mutual of Omaha Dental plans Issue Ages 19-99 Critical Advantage-Critical Illness Plan

Issue Ages 18- 65 ...18-89 Cancer-Heart/Stroke Disability Income Plans-Issue Ages 18- 61(Most Plans)

Accident - Short- Term- Long Term- Business Expense Long Term Care– Mutual Care Solutions

Issue Ages 30-79 United American Cash Benefit Cancer Plan- Issue Ages 0- 69

Pays maximum benefit amount in cash as listed in the policy schedule up to $50,000

UA250—Accident plan—Issue Ages 0- 63

HealthGuard (CIL) Issue Ages 18-64 critical illness protection which pays a lump sum benefit directly to the policyholder up to $50,000 .

National General Hospital Expense Protection-Issue Ages 18-64

Provides set, cash benefits that help you pay for out-of-pocket costs due to a hospital stay.

TrioMed- AME/C.I./Accidental Death Combo Plan Issue Ages 18- 64

Accident Fixed-Benefit- Issue Ages 18-64 The Accident Fixed-Benefit plan pays cash benefits when injuries, medical treatment or death result from an accident.

Plan Enhancer/Accident Medical Expense Issue Ages 18-64 Accident Medical Expense with

Lump sum benefit rider for Cancer Heart and Stroke. Optional Sickness Hospitalization rider Lump Sum Benefit upon admission to the hospital max varies by state.

Term Life or Life / C.I.— 10 yr Term Life—Critical Illness Issue Ages 18-59

Dental Indemnity 3 levels of affordable coverage to choose from: BASIC - INTERMEDIATE - PLUS In most states, apply for coverage through age 70 and renew up to age 75.(Apply through age 64 and renew up to age 70

in CO, MA, MD, NC, NJ, OH, OR, SD and UT.)

See disclosure on page 7

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Page 6: Weekly Bulletin Published in Fort Worth, Texas for F&R Agents · 11-03-2019  · Mark Simpkins OH $ 1,016 5. Jerry Evins TX $ 405 In God We Trust March 11, 2019 Volume 23, Issue 11

Volume 23, Issue 11

Not Insurance

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Many of your clients will be able to find details on the Heartland website… http://heartlandamerica.org .. Members -”Log In” tab .

If your Heartland clients need to talk to someone recommend they first call Farm and Ranch’s Home office… 800-633-6508 ext 109 ... or you the agent

to ensure the receive quality service.

REMEMBER ... the Heartland Member MUST PRE-REGISTER for

the MyTelemedicine and Roadside Assistance programs!

DON'T WAIT 'TILL IT IS TOO LATE!

Heartland Hospital Confinement Program Heartland is dropping the days to 2 or more consecutive days to qualify for the hospital confinement benefit. Member’s will be reimbursed one year’s membership dues if hospitalized for 2 days or more !!

Heartland stated: We recommend that memberships with insurance or medical stay away from CA,CO,CT,MA,ME,MD,MT,NH,NJ,NY,SD,UT,NC OR,VT,WA. Heartland memberships not available in MA,WA, VT

Careington portion of benefits are not available in MA,WA,VT

Disclosures: THIS PLAN IS NOT INSURANCE AND IS NOT INTENDED TO REPACE HEALTH INSURANCE. This plan does not meet the minimum creditable coverage requirements under M.G.L.C

111M and 956 CMR 5.00. This plan is not a qualified health plan under the Affordable Care Act. This is not a Medicare Prescription drug plan. The range of discounts will vary depending on the type of provider and

service.The plan does not pay providers directly .Plan members must pay for all services but will receive a discount from participating providers. The list of providers is at www.heartlandamerica.org A written list of

participating providers is available upon request.

Platinum

Membership Coming Soon!!!!!

Page 7: Weekly Bulletin Published in Fort Worth, Texas for F&R Agents · 11-03-2019  · Mark Simpkins OH $ 1,016 5. Jerry Evins TX $ 405 In God We Trust March 11, 2019 Volume 23, Issue 11

Volume 23, Issue 11

Here are some highlights of the opportunities with National General Insurance Company:

National General Foundation Health… Fixed-Benefit Indemnity Plan offers predictable and affordable access to health care...An permanent alternative option for health care insurance.

NGIC Short Term Medical Product with a guaranteed issue option – both available with the Aetna Open Choice PPO Network Term Medical insurance It provides the financial protection you need from unexpected medical bills and other health care expenses. Make sure you check for STM Term Changes by checking state specific details.

NGIC Supplemental portfolio:

Hospital Expense Protection-Provides set, cash benefits that help you pay for out-of-pocket costs due to a hospital stay. These benefits pay on top of any other coverage you may have Has no network restrictions. HEP pays you directly — use the cash benefits in any way you need. Multiple plan designs, including options with benefits for doctor visits and laboratory costs

TrioMed- AME/C.I./Accidental Death Combo Plan

Accident Fixed-Benefit The Accident Fixed-Benefit plan pays cash benefits when injuries, medical treatment or death result from an accident. Two base-policy options are available. Off the Job Accident Fixed-Benefit, or 24-Hour Accident Fixed-Benefit

Plan Enhancer/Accident Medical Expense Maximum benefit $2,000 - $10,000 per accident-Deductible per accident ...$250 Covered accidents per calendar year…No limit

Optional rider for Cancer Heart and Stroke. Lump sum benefit for first ever Cancer diagnosis and covered Heart Attack or stroke. Pays regardless of other coverage.

Optional Sickness Hospitalization rider Lump Sum Benefit paid on first covered day of hospital admission… Sickness Hospitalization rider not available with $7,500 and $10,000 benefit levels. Some states Sickness Rider $ 7900 benefit available. Check state specific details.

Term Life / Critical Illness-AL, AR,AZ,CO,GA,DC,FL,IL, IA, ID, ME, MI, MO, MS,NC, ND, NE, NM, OK, SC, SD, TN,TX, WI, WV and WY

Protection for Critical Illness and Term Life coverage in one plan Upon a qualifying illness, you receive a critical illness benefit; they choose how to use the money! The benefits are paid directly to the client or beneficiary!!! Critical Illness — 10 year Term Life Benefit $25,000, $30,000, $50,000, $75,000 and $100,000 15 Covered Conditions on C.I Benefit ( Note:4 conditions have partial benefits) Issue ages 18-60 (Check state specific details.)

Life —Term Life AK, IN, KY, LA, MD, NH, NV, OR, UT, and VA 10 year Term Life Benefit -Benefit options: $25,000, $30,000, $50,000, $75,000 and $100,000 Issue ages-18-64

Cancer, Heart, Stroke Supplemental Coverage plan that pays your client cash at the first diagnosis of cancer and/or a heart attack or stroke.

Simple-Pays a lump-sum cash benefit for life-threatening cancer and heart attack or stroke Use the money however you wish — to seek treatment, replace lost income or pay household bills

Dental Indemnity Supplemental Coverage plan that pays your client cash for dental both preventive care and treatment. 3 levels of affordable coverage to choose from: BASIC - INTERMEDIATE - PLUS In most states, apply for coverage through age 70 and renew up to age 75. (Apply through age 64 and renew up to age 70 in CO, MA, MD, NC, NJ, OH, OR, SD and UT.)

Dental PPO Products

3 levels of affordable coverage to choose from: Essentials - Essentials Plus - Enhanced Careington Maximum Care Dental Network Issue Ages 18 to age 74 ( thru 74) Renewable to age 85 Pricing bands 18 to 65 ( compared to most competitors age 64) and then 66+

Currently approved – AL , AR, AZ, DC, FL, ID, MA, MI, NV, OK, PA, SC, TX, WY

Sell All National General Products from one “Quotit” platform!

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Page 8: Weekly Bulletin Published in Fort Worth, Texas for F&R Agents · 11-03-2019  · Mark Simpkins OH $ 1,016 5. Jerry Evins TX $ 405 In God We Trust March 11, 2019 Volume 23, Issue 11

Volume 23, Issue 11

National General Product changes happening this week! This week we will be introducing “National General Foundation Health Enhanced” – a new fixed-benefit Limited Medical option.

· The new plan offers new lower rates and more robust benefits such as: o Benefits for Preventive Office Visits, Skilled Nursing, and ICU stays o Increased benefit amounts for Doctor visits, ER visits and Diagnostic Testing

· The new plan is available in AL, AR, AZ, DC, FL, GA, ID, IL. MI, MO, NV, OK, PA, SC, TX and WY and replaces our current Nat Gen Foundation health offering in these states

o The current Nat Gen Foundation Health plan will remain available in IN, LA, MS, NC, NM, OH, RI, TN, VA, WI and WV

· Plans will be available for quoting in Coverage Builder on Jan. 18, 2019, for Jan. 19 and later effective dates

Important information regarding Short Term Medical Applications in the following state: AL,AR,AZ,DC,FL,GA,IL,KY,NE,OK,SC,TX and WY. We recently implemented changes that impacted applications in pending status as of 2-21-2019. If your client goes to provide their signature on the Application and Billing Authorization, the application may show a rate different from what was quoted. If this happens, have your client complete the Application and Billing Authorization, and the operations team will adjust premium back to the quoted rate and apply refund if applicable.

Updated materials will be available in quoting and on NGAH-NGIC.com on Friday. An updated Product by State grid and STM State Details grid are attached. NATIONAL GENERAL DEFINITION OF PRE-EXISTING (VARIES BY STATE)

Pre-existing condition exclusion Charges resulting directly or indirectly from a pre-existing condition are excluded from coverage. Pre-existing conditions are referred to as conditions for which medical advice, diagnosis, care, or treatment (including services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received within the 12 months immediately preceding the effective date, unless a lesser period is required by state regulation. This exclusion does not apply to a newborn or newly adopted child who is added in accordance with the coverage eligibility and effective date sections within the certificate of coverage. This exclusion also does not apply to routine follow-up care for breast cancer to determine whether a breast cancer has recurred in a covered person who has been previously

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Page 9: Weekly Bulletin Published in Fort Worth, Texas for F&R Agents · 11-03-2019  · Mark Simpkins OH $ 1,016 5. Jerry Evins TX $ 405 In God We Trust March 11, 2019 Volume 23, Issue 11

Volume 23, Issue 11

Cash Benefit Cancer Plan...Issue ages 0-69. Pays maximum benefit amount in cash as listed in the policy schedule up to $50,000 for written satisfactory proof of a first-time diagnosis of internal cancer or malignant melanoma. Benefit can be used for anything - income while not working, travel expenses, at-home care, experimental treatment or whatever is needed. Pays in addition to other coverage. Available for individual, single parent, or family coverage.

HealthGuard (CILS)… Issue ages 18-64. The plan is critical illness protection which pays a lump sum benefit directly to the policyholder upon written satisfactory proof of first diagnosis. Covered illnesses include: Major Organ Transplant, Heart Attack, Stroke, Total Loss of Eyesight, Total Loss of Hearing, and End Stage Renal Failure. Benefits are available in $10,000 increments, ranging from $10,000 to $50,000. Benefit amounts reduce by 50 percent at age 65. Individual and spouse coverage available.

ProCare® Medicare Supplement Plans... featuring the High Deductible Plan F (HDF). The HDF is a Medicare Supplement Plan F policy that provides all the features and benefits of a standard Plan F, but at a substantially lower premium. The difference is a calendar-year deductible. The amount of the calendar-year deductible for 2019, is $2,300. (Set by the federal government) Why does an HDF policy make great sense? U A’s Company statistics show the majority of their Plan F policyholders have annual claims well below the current deductible amount of $2,300. In fact, Company statistics show that 80% of policyholders ages 65-67 had annual claims averaging $524. If your clients anticipate few claims or small claims, an HDF policy may be the right choice! After all, why pay premiums for claims they may never have?

10-Year-UL10-20 Renewable Term Issue ages: 0-60

10-Year Term to Annual Renewable Term (ART)-UL10-20 Issue ages: 20-70

20-Year Term to Annual Renewable Term (ART) UL10-20 Issue ages: 20-60

Here’s a quick glance at the easy sell United American products:

Fundamental Life Series II offers Term Life options from $25,000 to $500,000. Terminal Illness Accelerated Benefit Rider (ABR1) automatically included, at no cost

Final Expense Whole Life Final Expense Whole Life Insurance with Individual, Graded Benefit (Sub-standard), and Level Benefit (Sub-standard) coverage from $1,000 to $25,000. Permanent lifetime coverage that accumulates cash and loan value. Terminal Illness Accelerated Benefit Rider (ABR1) automatically included, at no cost Juvenile Whole Life Juvenile Whole Life Insurance with Individual coverage from $1,000 to $25,000. Permanent lifetime coverage that accu-mulates cash and loan value. Terminal Illness Accelerated Benefit Rider (ABR1) automatically included, at no cost (where state approved).(Not Available in: Montana and Washington)

Reserve Fund Annuity...A flexible premium deferred annuity A flexible premium deferred annuity, to assist policyholders with accumulating funds needed to meet their health insur-ance calendar year deductible or co‑payment amount by authorizing United American to draft the deductible or co‑-payment amount from the annuity. No fees or penalty charges for withdrawal of funds. Interest rate is guaranteed to never be less than 3%. This is a non-qualified annuity. Issue ages 65-90 (65-86 in OK).

UA-250 Accident Compensation Plan ...Issue ages 0-63. Guaranteed Renewable for Life! Pays cash benefits for accidental injury. Choose from a lump sum payment of up to $10,000 per accident or a hospital cash benefit of up to $6,250. Also includes an Accidental Death Benefit which pays $10,000 instead of all other benefits (or $10,000 minus any previously paid benefit) to chosen beneficiary.

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Page 10: Weekly Bulletin Published in Fort Worth, Texas for F&R Agents · 11-03-2019  · Mark Simpkins OH $ 1,016 5. Jerry Evins TX $ 405 In God We Trust March 11, 2019 Volume 23, Issue 11

Volume 23, Issue 11

Effective (12/17/18 Turn-In)

IMPORTANT REMINDER The Leads provided to you by Farm & Ranch Healthcare , Inc. are , and remain , the exclusive property of Farm & Ranch Healthcare, Inc. Any attempt to persuade a Farm & Ranch provided client lead to purchase an insurance product not expressly approved , in advance , by Farm & Ranch is considered a direct violation of your contract and may be cause for termination. It is further understood that any attempt to persuade a client who is a current policyholder of Farm & Ranch to change to a policy underwritten by a company not approved by Farm & Ranch is a direct violation of your contract and may result in termination of your contract and any renewal income generated as a result of that contract. Remember: Honesty is the best policy ... Your adherence to these prudent business guidelines is sincerely appreciated. In order to be eligible to participate in the tremendous incentive of the Farm & Ranch FREE Lead Program, you must choose to participate in the short weekly conference call on Monday mornings at 10:00 cdt. Thank You, Management.

We must maintain a minimum of 1 insurance sale

for every 10 leads closing(10%) ratio on the F & R Elite Leads

And/or 2% on Select Leads distributed.

This closing ratio is calculated by total year –to–date Elite leads received & “SOLD” commissionable applications

received for 2019.

ATTENTION !!!!

GET YOUR LEAD CREDIT FOR YOUR

SOLD LEADS !

~~~~~~~~~~~~~

It is very important you

receive credit for EVERY SOLD LEAD!

Because we identify a SOLD

lead by the phone number on the lead, it is imperative that

you list the lead phone number on your turn in sheet!!

This number can be entered in the Work/Alternate phone

number space. If for some reason this is not possible

PLEASE EMAIL

[email protected]!

We want to ensure that resources are being directed to agents that are able to convert the Elite leads. Our goal each week is to put a minimum of fifteen fresh, hot leads into the hands of each and every agent who is converting these leads into sales and commission $$$. Elite leads will be awarded as follows:

1 Elite Lead per $1,000 A.V. (Short Term Medical A.V. Does Not Qualify)

Life Insurance Premium earns double credit for lead qualification. i.e. $1,000 of Life AV gets you 2 leads!

ALL “ Select “ Leads Sold will qualify for (5) Elite leads

5 ELITE leads per Heartland sale

Must participate in the Monday Marketing Conference Call (10:00 AM cdt)

Minimum $1,000 AV to qualify

Max 20 Elite Leads

Select Leads matched 1 to 1 to Elite Leads (where available)

Remember: Additional Select Leads available upon request!

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Page 11: Weekly Bulletin Published in Fort Worth, Texas for F&R Agents · 11-03-2019  · Mark Simpkins OH $ 1,016 5. Jerry Evins TX $ 405 In God We Trust March 11, 2019 Volume 23, Issue 11

Volume 23, Issue 11

We wanted to say a BIG THANK YOU to Tom Hall President of United American for joining us on the Monday Morning meeting. He told us WHAT most of the UA agents are using to get their foot in the door with the FREE UA Accidental death no first

year premium plan. You can give this out to people at schools, churches etc.. Have the

policy mailed to you as the agent. Then, when you go back to deliver their policy you will now be, their AGENT!!Opens you up for a lot more

BUSINESS!!

1. The UNITED AMERICAN Cash cancer plan only has 2 questions to answer..(HIV) and (CANCER) This plan pays on diagnosis up to

$50,000 !! 2. Ask them about a GIFT for their grandchildren. They do not even

have to live in the SAME STATE.. 3. Final Expense –Simplified Life– 5 questions if not, Graded plan , 5

more questions. Very EASY to get placed.. 4. Med Supplement plans– Pays commission to you on ALL policies

no matter what. 5. If anyone needs to contact Tom Hall

His EMAIL IS: TMHALLTorchmarkcorp.com

Have you asked your prospects… How would your family handle the high cost related to a serious illness like cancer stroke or heart attacks hit today? You have an answer!

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc