weekly bulletin published in fort worth, texas for …volume 23, issue 29 2. 3. in god we trust july...

Volume 23, Issue 29

In God We Trust

July 15, 2019 Volume 23, Issue 29

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

Life A.V. Health A.V.

Mark Simpkins OH $ 1,527 Mark Simpkins OH $ 16,846

18,252

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. Chris Simpkins OH $ 5,335

3. Jana Shetler MO $ 5,130

4. Michelle Hilgendorf TX $ 3,146

5. Jerry Evins TX $ 2,244

6. Phil Seideman TX $ 1,771

7. Derrell Beck TX $ 1,592

Volume 23, Issue 29

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

Hospital Expense Protection

STM GI

STM—5

AME—Plan Enhancer—5

TRIOMED AME/CI

Life / Critical Illness

Cancer / Heart / Stroke

Accident

Indemnity Dental

PPO Dental

Term Life

$ 22,181.00 Health

Mark Simpkins OH

$ 2,244.00 Health $ 1,527.00 Life

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

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

Final Expense-WL—1 Jerry Evins TX

Life Insurance

Child Whole Life Living Promise Term Life Answers Term Life Express GUL GUL Express Guarantee Advantage IUL

Income Advantage Protection Advantage

Med Sup—6

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 Ultra-Premier

$ 11,639.00 Health

Jana Shetler MO

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

Silver Membership $1,435.20

4 New Members

Mark Simpkins OH

MyTelemedicine

$5000 (Guaranteed Converti-ble) Group Life Insurance

Deep Dental Savings

Emergency Roadside Assit.

RX Savings

See disclosure on page 7

Volume 23, Issue 29

Not Insurance

Agent Commission Bonus

Steve Cox $ 100 $ 100 Chris Simpkins $ 100 $ 100 Mark Simpkins $ 200 $ 200



Phil Seideman $ 100

No Winner

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

Zig Ziglar

No Winner

Derrell Beck $ 100

Jerry Evins $ 100

Michelle Hilgendorf $ 200

Jana Shetler $ 100

Volume 23, Issue 29



“ AMERICA’S ASSOCIATION FOR ELITE BENEFITS”

As of August 1st , 2019. Silver Plus will be available !

Heartland Silver level - $29.90 month + $29.90 enrollment

fee

Heartland Silver Plus level - $39.90 month + $39.90

enrollment fee. (New brochures and benefit info to come).

Heartland Group Term Life

only Available in these States– MT,CO,NM,AZ,NE,OK,TX,AR,MO,IL,IN,OH,PA,KY,TN,MS,AL,GA,

SC,FL,MI WWW.HEARTLAND-

AMERICA.ORG Reminder— When a

member is hospitalized for 2 or more consecutive days, the member

receives one year of dues.

Make sure and follow HEARTLAND now on #Twitter#Facebook and

#Linkedin

Many of your clients will be able to find details on the Heartland web-site… 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

REMEMBER ... the Heartland Member MUST PRE-REGISTER for the MyTelemedicine and Roadside Assistance programs!

DON'T WAIT 'TILL IT IS TOO LATE!

Not Insurance

http://heartlandamerica.org

Volume 23, Issue 29

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 . . .

The Heartland Bonus will be a credit to the “ Back End “ account for those agents without

sufficient credits in the “ Back End “ .. This credit is to insure that ALL agents accounts are

protected against any “ Charge Backs or Lapses

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 . . .

Mutual of Omaha Term Life Express and Living Promise and

United American Final Expense receive an ADDITIONAL (Min Monthly premium $100)

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

Effective 06/24/19 Turn-In (Bonuses subject to change)



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

Volume 23, Issue 29

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 $5,000 Group Life Insurance up to age 70! Deep Dental Savings RX Savings Vision Savings MAS Benefits

We recommend that members with insurance or medical stay away from CO,MT,SD,UT,NC,OR

Membership Fee $29.90 and $29.90 monthly Only 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



Volume 23, Issue 29



Priority Income Protection Plan

Talking to your clients about Priority Income protection can help get them in the “ Lifestyle

Protection” mode.. Any disability that occur off the job is covered by PIP. It’s affordable,

easy to understand and delivers portable coverage in just days.

How Simple ? Run a Quote Today!!

Guaranteed renewable as long as premiums are paid Issue ages-18-61

Monthly benefits $300.00-4,000 (up to 70 % of net income)

Easy quote e - app Benefit periods 12,24,36 months

Streamlined Underwriting Premium Structure-Unisex, Tobacco and Non Tobacco

No occupation classes Benefits– Total/Partial Disability, Recurrent Disability and

Waiver of premium.

No rate ups or exclusions

No medical exams or Dr’s information required

Your Guide to Selling Critical Advantage

There’s nothing complicated about selling CIL products

1. It’s easy to understand. The policy pays cash upon diagnosis.

2. It’s easy to sell. With just three knock-out questions for benefits up to $50,000,

3. It’s quick to issue. Express underwriting means your policy’s are issued in days.

http://blogs.mutualofomaha.com/express/index.php/2019/06/28/your-guide-to-selling-critical-advantage%e2%84%a0/

Volume 23, Issue 29

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.



Volume 23, Issue 29



Do you want to register for a United American and

Globe Life of New York training webinar?

Or are you looking to attend one of our exciting LIVE seminars?

Get on one of Henry’s training Webinar’s. He has many, many live training webinars

you can attend. If you need new agent training or just a refresher course.

Email him for a list of training Webinars.

Henry Vazquez. Director New Agents – ([email protected])

UA-250 Accident Compensation Plan Cash Benefit Cancer Plan HealthGuard (CILS)… ProCare® Medicare Supplement Plans... featuring the High Deductible Plan F (HDF).

Final Expense Whole Life

Juvenile Whole Life

Fundamental Life Series II offers Term Life options

Reserve Fund Annuity

Just some of the GREAT United American Products !!

Volume 23, Issue 29

Reminder: The annual Medicare Open Enrollment

period begins on October 15 and continues until

December 7. For 2020 coverage, open enrollment

will run from October 15, 2019, to December 7,

2019. During the annual enrollment period

(AEP) you can make changes to various

aspects of your coverage.



Volume 23, Issue 29

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+



Volume 23, Issue 29



Changes to National General

Please keep in mind that these are modifications to our existing Short Term Medical Products

In late August, National General will release a new portfolio of Short Term Products that will feature a range of products/ price points; various durations based on the regulatory environment - 12 month plans, 24 month plans, 36 month plans ( both renewable and consecutive), Guaranteed Issue STM, Co pays, RX Benefits, richer benefits, etc. Training materials for this portfolio will be available in mid to late July

Short Term Medical Available for quoting July 1

st, for plans with July 2, 2019, and later effective dates.

Indiana

Changes Include:

The Life Time Maximum (LTM) amount is increased to $2 million, for new and existing business

Rates will not change North Dakota

Changes Include:

The policy term will be a full 12 months

We will discontinue offering:

o Any term that is less than 12 months

o 6x2 consecutive plans

We will extend current 6x2 plans to a 12 month plan

o Deductibles and coinsurances will not reset

New Brochures will be available in quoting on Monday, and later next week on NGAH-NGIC.com

Indiana is now a state specific brochure

Mississippi is now a state specific brochure (previously shared with Indiana) North Dakota is included in the most generic brochure, the LTM change is

footnoted in the brochure.

http://NGAH-NGIC.com

Volume 23, Issue 29

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:

NEW LEAD QUALIFICATIONS

7/15/2019

Agents will qualify for SIX (6) Life Leads from Voice

Leads for every One (1) Lead sold ..It doesn’t matter

whether the sold lead is Elite or Select ..The Elite

Leads Qualified For would be matched with one (1)

Select Lead from our Data Base ...The Maximum of

New Elite Leads Qualified For would be Eighteen

(18)



weekly bulletin published in fort worth, texas for …volume 23, issue 29 2. 3. in god we trust july...

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