WHAT YOU NEED TO SUCCEED AND WHERE TO FIND IT

NO. 3

UNITED AMERICAN and GLOBE LIFE OF NEW YORK

MARCH 2018

CONTENT SUPERVISORLauren David

JR. DIGITAL CONTENT CREATORMadilyn Alexander

CREATIVE LEADJohn Begg

GRAPHIC DESIGNERSKate Timofeeva

Deborah Edelmann

EMAILeditor@torchmarkcorp.com

to update information for Summit or to submit news for the Editor’s page.

HOME OFFICE972-529-5085

GLOBE LIFE OF NEW YORK315-451-7975

(Agent use only) glnyagency@torchmarkcorp.com

AGENT SERVICE CENTER 800-925-7355 or email

agencyservice@torchmarkcorp.com

IGO E-APP® SUPPORT 214-740-2662

WEBSITES unitedamerican.com/logon (for Agents)

unitedamerican.com

office.globelifeofnewyork.com (for Agents) globelifeofnewyork.com

Published regularly by United American Insurance Company and

Globe Life Insurance Company of New York for the dissemination of information

to their Agents.

Prior permission must be obtained from the Home Office for reproduction

or other use of material herein.

ATTEND A FREE TRAINING WEBINAR New and experienced Agents are invited to attend upcoming webinars specifically designed to help you get started selling in the Senior market. Log on to the UA or Globe Life of New York General Agency site and click the green ‘Webinars/Workshops’ button for a full schedule of all upcoming training webinars and seminars. Check out pages six and seven to see the location.

“The webinars are the best I have yet to encounter. I have been through Aflac, Colonial Life, AHIP, CMS, Florida Blue, etc.”

– Tara Dalrymple, General Agent

REMINDER: PROCARE DISABILITY PLANS HDF, K AND L DISCONTINUED IN CAAs of February 8, UA ProCare® Under Age 65 Plans HDF (both Underwritten and Open Enrollment/Guaranteed Issue Period versions), K, and L (policy forms DMSHDF10, DMSK06R, and DMSL06R), are no longer available.

Disability Plans A, B, C, F, and N are still available for issue during Open Enrollment/Guaranteed Issue Period situations (policy forms DMSA10, DMSB10, DMSC10, DMSF10, and DMSN10).

REMINDER: IT’S TAX SEASON!April 17 is the last day to file your taxes, don’t forget!

WORDS OF WISDOM

People often say that motivation doesn’t last. Well, neither

does bathing – that’s why we recommend it daily.

— Zig Ziglar —

2 PB Mar 2018 Mar 2018

Yes, you read that right. You don’t have a job. As independent insurance Agents, we don’t have jobs, we have careers and I think many of you know that. You understand what you do is so much more than a simple job – it’s a career, a profession, and I’d say even a vocation. But for those of you who still consider this as something you do day-to-day for a paycheck, I’m here to tell you, now is the time to start viewing what you do in a completely different light.

What you, as Agents, do on a regular basis is something that has a profound effect on so many people. When you close a sale, you do more than simply provide some financial protection to our customers. You help educate Seniors on their Medicare options. You help someone devastated by the loss of a loved one retain the ability to carry on with life when that otherwise might not have been possible.

When you recruit someone who’s looking for a better opportunity, you give that individual a chance to create a worthwhile career and offer his or her family a better life. You lift that person up from the struggle of unemployment or underemployment to a level of potential success that might not even be attainable elsewhere.

I want you to understand that these feats are not something someone with a job could accomplish. These acts could only be done by someone devoted to developing a valuable career by consistently giving 100 percent. In short, our work is reserved for the pros.

Becoming a pro takes practice and we are here to support you. With so many newly appointed Agents with United American and Globe Life of New York, we want to make sure you know where to go to get started training and selling. What you do day-in and day-out is important, and it’s important for us to know you feel prepared to provide your clients with the best product to fit their unique needs.

With training webinars at your fingertips and direct contact with our trainers, there’s no doubt in my mind you can become confident in our products and walk away from the webinar learning at least one thing you never knew. We continuously update these training webinars with the latest industry information and trends, so even if you attend the same webinar there will be new information.

Training webinars are only the tip of the iceberg for helping you feel prepared to enter the field as a pro with UA and Globe Life of New York. In this issue, we will show you where to go for items such

as compliance sheets, preapproved ads, directors’ contact information, marketplace bulletins, etc.

Now is the time to see this career as so much more than a road to payday. It’s an opportunity to build a career helping families find support during trying times. It’s an opportunity to educate Seniors on the complicated Medicare market. And we are here to help you make the most of these career opportunities.

Charles MankamyerPresident of General Agents

You Don'tHave a Job.

PB 3 Mar 2018 Mar 2018

UNITED AMERICANABDUL-RAHIM, EUNICEACEVEDO, LISAADVANCED INSURANCE

RESOURCESAINSLIE, RONALDAMANN, JOHNAMAYA, JAIMEAMERICAN FAMILY

SENIOR SERVICES, LLCARROJO, MANUELAUTREY JR., MERVILBAIER, EDWARDBANKS, EDDIEBAQUERO, DAVIDBARBER, LEOBARCZAK, ROBERTBARDEN, RALPHBARNHART, LARRYBARRETT, BRENDABAUER, HAROLDBECK, COURTENYBELLAIRE, KRISTINEBENOIT, CHARLESBERARD III, RICHARDBERGERON, STEVENBERLIN, LLOYDBETHEA, WILLIAMBI-STATE INSURANCE

SOLUTIONS, LLCBLANTON, BEVERLYBLUMENTHAL, JAMIEBONNETT, BOYDBORAKS, RONABORDEN, WILLIAMBOUNDS, KATHYBOVELL, ERROLBOWENS, DARRELBRAUNECK, FREDERICKBRETT WYATT

AGENCY, LLCBRIDLEWOOD

INSURANCE SERVICES, INC.

BROOKINS, MELONESEBROWN, CONNIEBROWN, DAVIDBROWN, JUANITABROWN, PAMELABRYAN, LLOYDBRYANTON, ALDENBUENO, CLAUDIABUENZLE, WILLIAMBURGAD, JAFORDBURNETT, JOHNBURNS, BOBBYBURT, PAULC.A. ROSS INSURANCE

AGENCY, LLCCALDWELL, CARLACALDWELL, GREGORYCALLICUTT, SHUNNACAMPBELL JR., ROBERTCANO, GUADALUPECASIMIR, HANSCASON, CASEYCAYOUETTE, SCOTTCEDILLO DIAZ, JOSECEMI INSURANCE

GROUP, LLCCEPPI, ENRIQUECHAPEL, ANDREWCHAPEL, JAMESCHAPEL, TIMOTHYCHRISTIAN, ELSIECIANFLONE, THOMAS

CISSELL, CANDICOE, LAWRENCECOHEN, TABCOLBURN, GARYCOLE, BRIANCOLE, LYNDACONE, KENNETHCONLEY, MICHAELCONNELL, GREGORYCONRAD SR., WILLIECONROY, THOMASCONWAY, DONNACOOGAN, MICHAELCOOK, AMYCORADO, LOUISCORDOVA-MONROY,

PEDROCOWAN, JAMESCRAYTON III, WILLIECREVISTON, JOANCRUICKSHANK, RONALDCRUMP, KIMBERLYCRUTCHFIELD, SCOTTCURRY, CARLD.R. INSURANCE

SERVICES, LLCDAGER, ALBERTODANIEL SR., ROLANDODAYRIT, REMYDE RAMA, SONNYDEBUS MOLLENDOR,

SHARONDEJESUS, WILSONDEMARCO, FRANKDEMERCADO, JUDITHDEPUGH, DENNISDESANTIS, DOMINICDIBARTOLO, MICHAELDICKINSON, DIANEDOMINGUEZ, GILBERTDONATO, JOHNDOPPMANN, DONALDDORVILUS, ERNSODORVILUS, LEMELDRINKWATER, SARIDUALAN, FAUSTINODUMAY, ISSELENEDUNBAR, EDWINEARP, DALEEDWARD LAMB &

ASSOCIATESEDWARDS, BRYANEHRLICH, JOELEL-AMIN, SHAHIDELDRED, KERLINGEMMONS, BRANDENENCIRCLE INSURANCE

SERVICES, INC.ESCOBEDO, DANIELESPINOZA, CATHERINEESTRADA, ERNESTOFAIR, MICHAELFAIRLESS, JOHNFALZACK, STEVENFAUS, BRYANFEGAN, FREDERICKFERNANDEZ JUSTINIANI,

SILVIAFILKEY, REGNERFISCHMAN, BENJAMINFLOREY, THOMASFORNEY, JENNIFERFOX, MARGARITEFRACTOR, MARKFRANCO, JUANFRAZIER, ALLEN

FREEDOM INSURANCE SERVICES, LLC

FROMM, JERRYGALLAGHER, KARENGARCIA JR., SABINOGARZA, CLAUDIAGATTO, FRANKGENNETTI, CYNTHIAGEORGE SR., KEITHROYGIBBS, PATRICKGILBERT, TOMERAGOLDBERG, ROBERTGONZALEZ, ROGELIOGOOD, MILTONGOODMAN, RAYMONDGOSSEN, KERVINGRAHAM, KATRINAGRAHAM, MIRIAMGRASSMANN, JOANGRAVES, CHRISGREEN, WILLIAMGREEN-LEAMON &

ASSOCIATES, INC.GRIFFIN, JOHNGRIMM, GERALDGUERRERO, SALVADORHADDOW, LINDAHALBERG, STEVENHANSEN, JAZZYHARPER, ANDREAHARRIS, ANDREWHARRIS, KARENHARWELL, EDWINHASSELL, MARLAHATFIELD, JERRYHAYMAN, BOBHAZELTON, JAMESHEATH, ERICHEFTI, DAVIDHELMAN, SHARONHENDERSHOT, CHARLESHENRY, CHRISTOPHERHENRY, NOVINEHERNANDEZ, JIMMYHERRICK SR., TIMOTHYHESTER, MARYHEUBLEIN, WILLIAMHILL, ELDYNHOLMES, STEPHANIEHOWELL, LEEHUCKEBA, RALPHHUGGINS, FORRESTICART-FERDINAND,

MAGALIEIRWIN, DAVIDISBELL, PRESTONJAMES, DIATRAJAMES, LEOPOLDJARRELL, FRANCESJENKINS, MICHAELJIMERSON, THERESAJIMERSON, WILLIEJOHNSON, CYNTHIAJOHNSON, RENÉJOHNSON II,

ALEXANDERJONES, DOROTHYJONES, KURTJONES, RYANJUREWICZ, FRANCISKAMINSKI, LECHKAPLAN, THOMASKEITH, KELLIKELLEY, DAVIDKHOKHAR, MUHAMMADKICHERER, MICHELE

KINDER, LUANNEKITCHNER, IVANKOFFLER, PETERKOMONIBO, IBIMINAKOTICK, ARNOLDKUBIT, ADAMKUIAWA, DEBORAHLAMBERT, ELLIOTLANE, JEFFREYLASH, THOMASLATIMER, MICHAELLAU, MANUELLAWSON, JAMESLECLAIR, JOHNLECOMPTE, MICHAELLEHL, BRADLEYLEVENTIS, GEORGELEWIS, KENNETHLIKOURENTZOS, SOPHIALIN, SHUCHIALOGAN, CURTLONGO, DOMINICKLOPEZ, DAISYLOS, BERNARDLOSADA, JOSELUBENOW, JUSTINLUQUE, MARIOMACKEY, KEITHMACNIDER, MARKMAGPANTAY, JULIETMAGUIRE, MARKMAHOMES, FABIANMALLOUK, PETERMANN JR., GREGORYMARTIN, CHARLESMARTIN, JUDYMARTINEZ, LARRYMARULANDA, CARLOSMAXSON, ELLENMAYS, ALONZOMCALISTER, JOHNNYMCCAUSE, MELVINMCELROY, KENTMCMANUS, STEPHENMCNEILL, SUSANMEDICARE & OTHER

RED TAPE, LLCMERRITT, GILBERTMICOCCI, ROSAMINKINA, ANNAMOATS, DWIGHTMONTIEL-HERNANDEZ,

MARCOSMOON, RONALDMOORE, LESLIEMOORE, WESLEYMORRO ROCK

INSURANCE AGENCYMULLINS, CAROLYNMULLINS, JEREMYMUNIER, JASONNAKAGAWA, OSAMUNATIONCARE

INSURANCE SERVICES, LLC

NDANDJEU MBANGA, SCARLENE

NELKIN, MARCNGUYEN, SONNICHOLS, JUDITHNICHOLS, SHNISENITZBURG, JOANNORFLEET, MECHELLENORMAN, MARSHAOBREGON, JUANAOKOLO, DENNIS

OLDS, ERICOQUENDO, PHILLIPORTIZ, FELIXPACHECO-LEBRON,

RAFAELPADILLA, ANTONIOPADILLA, KIRKPAGAN, JAMIPAONESSA, PETERPARHAM, GILBERTPATAWARAN, CHARLESPATET, JEFFREYPAYNE, OGLIVIAPAYTON, NOVELLAPEACOCK, MARKPECORA, VINCENTPERRON, JEANPETERSON, MICHAELPINA, APRILPLETZKE, VIVIANPOPE, RICHARDPRABAKER, P.PRUNTY, KEVINQUINLAN, MARKRAHMAN, KHANDAKERRAMPONE, HENRYRANDOLPH, RUFUSREED, NORMANREICH, KEVINREPASI, CHRISTOPHERREUT, STEPHANIEREYNOLDS, CLARENCERICHARDSON, JAMESRICKER, GREORYRIOS, CHRISTOPHERROBINSON, MARKRODGICK, MICHAELRODOLI, REINAROLLAND, DONNAROONEY, PAULROSAUER, STEVENROSS, CECILROTENBERG, ELIEZERROTH, RICHARDRUKHMAN, STEVENRUMMAGE, GLENNSALAND, LESLIESANCHEZ, ROLANDOSANDBERG, WAYNESANDERS

INSURANCE, LLCSATYAKETU, KUMARSAVAGE, FREDERICKSAWICKI, DANIELSCHMIDT, CHRISTOPHERSCOFIELD, DIANESEIFERT, RAYMONDSERNA, ALAINSHAH, NAYANSHANE, RICHARDSHAW, MICHAELSHEPHERD, JULIANSHERMAN R. ROSS, LLCSHIPMAN, MICHAELSHOOK, CHARLESSHUPPER, MARGARETSILVA, PATRICKSILVERMAN, EDWARDSMITH, DARLINGTONSMITH, GERALDSMITH, JACQUELINESMITH, JOHNSMITH, KATHLEENSMITH, SPENCERSNOW, JAMESSOLANO, DAISY

SOTELO, JORGESPIEHS, ALLANSPIELVOGEL, MARKSTARKE FINANCIAL

SERVICES, INC.STAS, JOSEPHSTATON, JEESEYETTASTERNBERG, TIBORSTERNER, GAILSTERRITT, MARKSTEVENSON, MARYSTONE, DENNISSTONE, WILLIAMSTROUD, LEMUELSTUBBS, GUYSTUBLEY-STOVALL,

ELAINESULLIVAN, ALVINSUMMERS, JACKSUMMIT INSURANCE

GROUP, INC.SUPREME

ALLIANCE, LLCSUVARNA,

NAVINKUMARSWEARINGEN, GERALDSYNERGY BENEFITS

CONSULTING, INC.TACKER, BOBBYTALLEY, ANTOINETTETALLICHET JR., WILLIAMTATE, VALIERETAUB, JOELTAYLOR, DEWANDTAYLOR, JAMESTEJERA, EDUARDOTERRELL, HENRYTERTERIAN, OSSANATHE HEALTH

INSURANCE CENTERTHOMAS, JEFFERYTHOMAS III, DILMANTHOMPSON, PETERTHOMPSON-

PARKER, TARATHORNTON, DONALDTOBER, JANETTODD, JACQUELINETORNES JR., LUISTUNITSKIY, EUGENETYREE, DAVIDUSHER, LACRETIAUTLEY, DONALDVARUGHESE, THOMASVONFELDT, NEILWAGNER, GENEWASHINGTON,

PEARLEANWATKINS, LARRYWATTS, STANLEYWATTS, WYESHAWEIGEL, CAMERONWEISIGER, CALVINWELCH, LINDAWELLS, KIMWHITMORE, HOPEWIENER, ROBERTWIGINTON, PHILLIPWILCOX, THEAWILLIAMS, JEFFREYWILLIAMS, TEMPESTWILSON, JUNITAWOMACK, TONYAWRIGHT, SAMUELWYGAL, JOHNWYMAN, MICHAELZACARIAS, LAILA

GLOBE LIFE OF NEW YORK

BAPTISTE, SHIRNBIFARELLA, PETERBRIMM, CAULINEBRYANT, JOHNCASTIGLIA, TAMMYCHEPURU, SHOBHACURTIS, ANTHONYDENNISON, ROBERTELENTERIO, VINCENTFIALOR, STEPHENFRANZESE, ANTHONYFRIEDMAN, ISAACGALLIPOLI, RICHARDGOLD, AVRRAHAMGRYGA, JOSEPHHERNANDEZ, LUISMCDERMOTT, WILLIAMMCQUEEN, LISAMIANO III, SULLIVANMOZZO, NORMAMUNRO, PINAOSSIP, JEFFREYOSTER, HERBERTPILZ, TIMOTHYROBERTS, FREDERICKSAM, JEROMESCACCIA, JOSEPHSNITCHLER, STEPHENSULLIVAN, BRIENTCHOUKE, BERTRANDTHE KAPOOR

AGENCY, INC.TRIMPOLI, SUZANNEWANG, NICOLEWARNER, PHILMOREYADGAR, SALEH

WELCOME TO

4 PB Mar 2018 Mar 2018

JUVENILE LIFE SALESIf you’re already active in the Senior market, there’s an opportunity for additional sales* right at your fingertips: our Juvenile Whole Life policy. Whenever I’ve sat down with grandparents, whatever the focus of my initial presentation, I always made certain that I offered them the opportunity to protect their grandchildren. Whole life coverage can be a legacy that helps protect those children’s future families as they grow into adulthood.

From the

DIRECTOR’SCORNER

Rick AndriolaDirector of Training and Ancillary Products

I have never sold the death benefit when offering juvenile policies. I always painted the picture of the advantages and the value of having a whole life insurance plan such as cash values, paid-up insurance values, and extended term options. These are the important things I’ve found grandma and grandpa can appreciate and relate to when it comes to thinking about the future for their loved ones.

CASH VALUE: Cash amount offered to the policyowner upon cancellation of the policy.

PAID-UP VALUES: This allows the policyowner to stop paying premiums, and maintain a smaller face amount that will remain in force for the rest of the insured’s life.

EXTENDED TERM: The policyowner can convert this policy from whole life to term insurance that will remain in force for the full face value until the end of the stated term.

With these three options, our Juvenile Whole Life policy helps give the insured child protection and flexibility as they become an adult. The longer the policy remains in force, the greater these benefits become.

Now that you know WHY to show the product, here are a few pointers on creating the opportunity to do so:

• Be observant when you’re with your clients. Look around for the family photos. I have yet to meet a Senior who doesn’t beam with pride when asked about their grandkids!

• You can start the conversation directly. Ask something like, “Many of my clients are grandparents, how about yourself?” It really is that simple. If they nod in affirmation, ask how many, and their ages – just remember to keep these questions friendly and casual in tone! Then continue, “If you’re like most grandparents, you probably buy them a gift or two now and then, am I right?” They’ll probably nod. Now use a little humor: “But you’ll find over time that what they don’t eat, break, or spend, they tend to outgrow. Isn’t that true?” Always get confirmation. “United American (or Globe Life of New York) has a gift that can last a lifetime, something that you’ll always be remembered for. I’d like to show it to you real quick – if you like it, fine, if not, that’s fine too!” Then take out your brochure and present.

Try adding the Juvenile Whole Life product into your regular activities with your new prospects and existing clients – you may be surprised at the results!

Why purchase whole life coverage for children?

Lock in an affordable, low premium: Premiums are based on age, so it will never be as low as the day they buy it! The cost is level for the life of the policy and will not increase due to age.

Protect against changes in insurability: Changes in health down the road, or choices like tobacco use or pursuing hazardous occupations or hobbies can make insurance very expensive or unavailable.

Living benefits: Whole life coverage offers far more than just a death benefit with various non-forfeiture options.

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

PB 5 Mar 2018 Mar 2018

As an appointed Agent with United American or Globe Life of New York, you have access to numerous tools and information. But what good does it do if you don’t know where to go to find them? Below we’ve outlined the top features in our online portals. You can find UA Online through the UA General Agency site in the right-hand column under the Summit Magazines section.

UAONLINEWhether you’re an Agent with United American or Globe Life of New York, the first place you go to register and create a login is UAOnline. You will need to visit UAOnline for all matters relating directly to your writing number.

UAOnline Menu: This section is all about production. You can find tools needed to track your submitted business, review commission statements, and onboard Agents to your team.

Product, Rates, and Training: This will take you directly to the UA General Agency site.

State DO NOT CALL Lists: Use the Do Not Call list to check who has registered in your state before reaching out to sell any insurance. For specific provisions set by the Company, see the Do Not Call Procedures document.

Sales Tools: Order your supplies online to have them mailed directly to you, and check out some of the preapproved ads you can customize and start using right away!

Life Proposal System: Here you’ll find a rate calculator to generate life insurance quotes for your prospective clients.

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Products/Rates is a portal that has numerous resources explaining our products. You can find your state compliance sheet using either the clickable map or the drop down menu.

Leads information can be found in this portal. We have a list of approved lead vendors, some of which may offer discounts or special pricing for our Agents. Globe Life of New York Agents can find the lead vendor list by selecting the ‘Agent Tools’ button.

Agent training material and business forms, such as Marketplace Bulletins, Underwriting Guidelines, and a Bank Draft Authorization form, are important documents and resources you can review to ensure you’re ready to make a sale. If you’re on the UA General Agency site, you can access both training materials and business forms by visiting the ‘Submit Business’ page. And if you’re on the Globe Life of New York site, everything is on the ‘Downloads’ page.

Memos are consistently being sent to the field announcing new rates, policy changes, recruiting and production contests, and more. We encourage you to check the memos every so often to ensure you haven’t missed any big announcements.

Training webinars are presented live, Monday through Friday. They cover topics like first steps for new Agents, product training, how to work leads effectively, and how to sell using our iGo e-App.

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UA GENERAL AGENCY SITE

GLOBE LIFE OF NEW YORK AGENCY SITE

All Things United Americanand Globe Life of New York

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NEW LEAD OPTIONS FOR 2018

By Joseph SanchezPresident, VoiceLeads

United American and Globe Life of New York Agents now have access to two new lead products, verified Medicare Supplement insurance leads and verified Life Insurance leads, available for order through VoiceLeads, a vendor located in Goodyear, AZ. Starting this month, VoiceLeads, a telemarketing company in business since 2007, joins United American and Globe Life of New York as an approved lead vendor selling only exclusive leads to United American and Globe Life of New York Agents for the Life insurance and Medicare Supplement markets.

The new verified Medicare Supplement lead is a telemarketing product in which an extensive phone interview is conducted with prospects 65 to 79 years of age with incomes $30,000 per year or higher. During the interview, prospects are asked if they want more information on Medicare Supplement insurance products. If yes, the telemarketers gather the prospect’s name, age, address, and verify that they are not receiving any government assistance, such as Medicaid. Finally, the prospect’s beneficiary information is gathered and can be used for verification purposes during the callback.

Lead information is typed into an online form by the telemarketer and is sent to the Agent within minutes of the call ending. Agents can access the information and call the prospect right back to either sell the product over the phone or set an appointment to visit at the client’s home. Pricing for the verified Medicare Supplement leads are $30 per piece with a minimum purchase of 20 leads, and they are exclusive – not shared.

The new verified Life Insurance lead is also a telemarketing product in which an extensive phone interview is conducted with prospects ages 30 to 80 with incomes of $30,000 and higher. Agents can put an age filter on the data of 50 to 80 years old to target the whole life final expense market at no additional cost. During the interview, prospects are asked if they want more information on life insurance products. If they answer yes, the telemarketer takes down their name, age, amount of life insurance they wish to purchase, the beneficiary name and relationship, and address. Finally, they ask if anybody else in the home needs a quote on life insurance as well. This is a value-added feature in which two or three names can appear on one lead.

Lead information is handled the same as the verified Medicare Supplement leads: typed by the telemarketer and sent directly to the Agent within minutes of the call ending. Pricing for the verified Life Insurance leads are $26 per piece with a minimum order of 20 leads. These leads are also exclusive, not shared with any other Agents.

Agents are encouraged to order leads and use the funds in their Agent lead accounts. To order through VoiceLeads, simply call 855-68-LEADS OR 855-685-3237 and mention that you are a United American or Globe Life of New York Agent, and they will process your order over the phone so you can start your campaign the very next day, unless specified otherwise. Orders are completed within three to five business days.

AGENTS: Please reference the Compliance sheet and the Do Not Call procedures on the UA and Globe Life of New York General Agency sites to ensure you are complying with required guidelines regarding sales procedures.

VERIFIED MEDICARE

SUPPLEMENT LEADS

VERIFIED LIFE INSURANCE

LEADS

HOW TO ORDER

8 PB Mar 2018 Mar 2018

PROFILE FOR SUCCESS:

LISA ROSATI Rosati Insurance AgencyMy advice to new or existing Agents wanting to find success is to focus on activity, not on outcome. Generate business by meeting with groups and individuals who are connected, in some way, to people over 65 or aging in Medicare eligibility. Once you’ve collected these prospective customers, be willing to go to the customer instead of having them come to you or doing their applications over the phone. This helps cut down on application errors and gets the business submitted more efficiently. The most important part of focusing on activity is having passion and integrity in what you do.

This business is much more than just another sales job. We have to maintain a sincere desire to help people even when it is not going to result in a sale. That means taking the time to educate your customers, and never trying to ‘sell’ them something. I feel we have to protect our client’s best interest regardless of our interest. When you put others before yourself, you will always win!

• The Ahlbum Insurance Group’s training and support. Jon and Donna Ahlbum continue to train us and always make themselves available.

• I keep a strong work-ethic.

• My focus is always on the customer, not my production.

• I have the willingness to travel outside my immediate location to meet potential customers face-to-face.

• I hand deliver customers’ policies so they see me again, and feel they are being looked after.

• I am always available to my clients, which gives them a sense of security.

Along with maintaining multiple club statuses over the years, I’ve also won multiple trips to the Home Office for special luncheons, dinners, baseball games, and a special trip to The Star, Dallas Cowboys World Headquarters in Frisco, where I met football legend, Randy White.

‘Profile for Success’ will feature Agents’ advice on what it takes to excel in this industry. We’re asking Agents who would like to share tips and techniques they think other Agents will find helpful to email us. We’d like to feature these Agents and their advice in Summit. Please reach out to us by emailing editor@torchmarkcorp.com and we will work with you to convey your expertise.

I BELIEVE I HAVE BEEN SUCCESSFUL FOR SEVERAL REASONS:

MY TIME WITH UA:

2015

President's Club and Pacesetters; Qualified

for Convention

2016

President's Club and Pacesetters; Qualified

for Convention

2017

President's Club; Qualified for Convention

2014

Started in October 2014

PB 9 Mar 2018 Mar 2018

Eagles Club is an elite group of Agency leaders representing the best of United American and Globe Life of New York.

Through February 2018, these top producing General Agents and Agencies have the highest net combined annualized premium. Agents/Agencies producing $350,000 or more in NAP will qualify for club membership and receive an award at convention; the top 10 will have their photo on the wall at the Home Office.

Through February 2018, these top producing Writing Agents have the highest net combined annualized premium.

2018 EAGLES

PRESIDENT'S CLUB PACESETTERS CLUB

#1

#2

#3

#4

#5

#1

#2

#3

#4

#5

Jon Ahlbum The Ahlbum Insurance

Group, Inc. $892,528

Mike Lemar Sunshine State Agency

$719,693

Mark Graham AmeriLife $480,255

William Borosak Jr. Secure Financial

Group, LLC $391,808

Catherine Hatton Long Island Insurance

Solutions $294,059

AGENT NAME AGENC YYTD PRODUCTION

1 Paul Sheldon, CLU, ChFC Paul Sheldon Insurance & Benefits Planning $214,415

2 Edward Shackelford The Assurance Group, Inc. $187,003

3 Scott Mednick Professional Insurance Systems of Florida $169,431

4 Gina Savage Savage Insurance Agency $160,361

5 Ron Concklin Rosenberg-Concklin, Inc. $151,127

6 Kerry Sachs Secure Retirement Solutions, Inc. $146,282

7 John Clark Senior Solutions Insurance Agency $129,745

8 Elite Insurance Partners, LLC $111,829

9 Sylvia Gordon Gordon Marketing $104,293

10 Robert Wroblewski Palm Cove Insurance Solutions $103,443

11 Shawn Schroeder Jack Schroeder & Associates, Inc. $102,467

12 Senior Insurance Marketing, Inc. $99,024

13 James M. Gray, Inc. $91,240

14 Albert Valery Valery Insurance Agency $83,392

15 Richard Schwartz Insurance Center of S. Florida $78,608

16 Erin Marketing, Inc. $78,583

17 Corrie Borde Borde & Associates, PA $72,818

18 Agent Pipeline, Inc. $71,260

19 Nicholas Mangini Mangini Insurance Agency $68,687

20 Carter Graham Shoreline Financial $65,728

21 Centerstone Insurance & Financial Svcs. $62,470

22 Scott Schwartz Insurance Protection Services $57,180

23 Landers-Stein & Associates, Inc. $56,197

24 Maria Cancio Cancio Insurance Agency $54,346

25 Lisa Rosati Rosati Insurance Agency $51,906

26 Stacy Murphy Murphy Insurance Agency $51,511

27 Casey Palmer Palmer Insurance Agency $50,583

28 Vincent Abbatiello Mainstay Retirement Solutions $49,815

29 Joseph Maisonet Maisonet Insurance Agency $49,144

30 Joseph Jaffe Jaffe Insurance Concepts, Inc. $47,856

AGENT NAMEYTD PRODUCTION

1 Paul Sheldon, CLU, ChFC $214,415

2 Tim Ahlbum $105,294

3 David Haass $102,193

4 Gina Savage $82,099

5 Corrie Borde $72,818

6 Neill Aarons $66,732

7 Robert Holzman $66,239

8 Kerry Sachs $63,108

9 Scott Schwartz $57,180

10 Ray Stevens $56,638

11 Brian Gauldin $43,192

12 Jason Stevens $42,313

13 Maria Cancio $41,627

14 Aaron Gordon $38,549

15 Christian Balogh $38,211

16 Jon Ahlbum $37,396

17 Gary Kempler $35,628

18 Brian Gilbert $34,719

19 Russell Warner III $33,498

20 Christopher Graham $32,459

21 Jordan Vickers $30,816

22 Francine Rush $29,532

23 Joseph Jaffe $29,064

24 Dani Chard $27,820

25 Thomas Payant $26,316

26 John Shoaf $25,920

27 Matthew Claassen $25,775

28 Lisa Rosati $25,558

29 Samuel Llanes $25,116

30 Sandra Stevens $24,917

Through February 2018, these top producing General Agents and Agencies have the highest net life annualized premium.

Through February 2018, these top producing Writing Agents have the highest net life annualized premium.

TOP 30 LIFE GENERAL AGENTS

TOP 30 LIFE WRITING AGENTS

Donna Ahlbum The Ahlbum Insurance

Group, Inc. $278,543

Christopher Graham, CLU

Graham Financial Group, Inc. $256,549

Ray Stevens Stevens & Associates

Insurance Agency, Inc. $224,503

Tim Ahlbum Health Coverage Solutions

$190,053

Devin Barta Barta Insurance Agency

$159,530

AGENT NAME AGENC Y

1 Mike Stevens Farm & Ranch Healthcare, Inc.

2 Mae Harrell Harrell Insurance Agency

3 Charles Judah MSIS, Inc.

4 Deborah Pearson Pearson Insurance Agency

5 Joseph Iannelli Iannelli Insurance Agency

6 Henry Bullock Bullock Insurance Agency

7 Catherine Hatton Long Island Insurance Solutions

8 Vincent Abbatiello Mainstay Retirement Solutions

9 Tango Yang Yang Insurance Agency

10 Randall Eaton Eaton Insurance Agency

11 Sharon Daniels Daniels Insurance Agency

12 Debra Gould-Lisco Gould-Lisco Insurance Agency

13 Miriela Castiello Castiello Insurance Agency

14 Victor Henry Henry Insurance Agency

15 Larry Jackson Jackson Insurance Agency

16 David McKnight McKnight Insurance Agency

17 Robert Collins Collins Insurance Agency

18 Charles Roper Roper Insurance Agency

19 Sylvia Gordon Gordon Marketing

20 Harry Davis Davis Insurance Agency

21 Edward Barnett Barnett Insurance Agency

22 Rasheed Badmus Badmus Insurance Agency

23 Wynn Network & Associates

24 Mark Graham AmeriLife

25 Saliya Abeysekera Abeysekera Insurance Agency

26 Kermit Stacy Stacy Insurance Agency

27 Agent Pipeline, Inc.

28 Keith Cleveland Cleveland Insurance Agency

29 Curtis Scott Scott Insurance Agency

30 Donald Howe Howe Insurance Agency

AGENT NAME

1 Mark Simpkins

2 Mae Harrell

3 Krishna Boodram

4 Phillip Seideman

5 Deborah Pearson

6 Martin Pereira

7 Clifford Imahara

8 Henry Bullock

9 Mark Jennings

10 Tango Yang

11 Craig Walkenbach

12 Sharon Daniels

13 Debra Gould-Lisco

14 Lasonnuia Sloan

15 Manuel Arcia Lopez

16 Victor Henry

17 Larry Jackson

18 David McKnight

19 Douglas McElroy

20 Charles Roper

21 Harry Davis

22 Edward Barnett

23 Rasheed Badmus

24 Saliya Abeysekera

25 Edward Cody

26 Erica Jones

27 Angelita Rice

28 Keith Cleveland

29 Mike McCardle

30 Curtis Scott

10 11 Mar 2018 Mar 2018

CONVENTION JUNE 18–21, 2O19ARE YOU ON PACE TO JOIN US?

CAESARS PALACE

LAS VEGAS #UACONVENTION2019

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MONTH LIFE ONLY HEALTH ONLY COMBINED$180,000 NAP $350,000 NAP $350,000 NAPJAN. $15,000 $29,167 $29,167FEB. 30,000 58,333 58,333 MAR. 45,000 87,500 87,500APR. 60,000 116,667 116,667MAY 75,000 145,833 145,833JUNE 90,000 175,000 175,000JULY 105,000 204,167 204,167AUG. 120,000 233,333 233,333SEPT. 135,000 262,500 262,500OCT. 150,000 291,667 291,667NOV. 165,000 320,833 320,833DEC. 180,000 350,000 350,000

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MONTH LIFE ONLY HEALTH ONLY COMBINED$100,000 NAP $150,000 NAP $150,000 NAPJAN. $8,333 $12,500 $12,500FEB. 16,667 25,000 25,000MAR. 25,000 37,500 37,500APR. 33,333 50,000 50,000MAY 41,667 62,500 62,500JUNE 50,000 75,000 75,000JULY 58,333 87,500 87,500AUG. 66,667 100,000 100,000SEPT. 75,000 112,500 112,500OCT. 83,333 125,000 125,000NOV. 91,667 137,500 137,500DEC. 100,000 150,000 150,000

Agents who contract after Feb. 1, are prorated for Convention qualification. For example, contract in March and the Agent life/health requirement is 10 months or

$125,000 of combined NAP. Minimum NAP for an Agent who contracts in July is six months or $75,000 combined NAP. Agents must be contracted and produce at a six-month minimum

production level to be eligible for Convention. Non-standard (Disability) Medicare Supplement production will not count towards qualification for Convention, Awards or Club honors.

Globe Life of New York Agents can only qualify for convention based on health production only. You can also qualify by issuing 100 or more

non-disability ProCare® Medicare Supplement insurance plans as personal production during the 2018 convention qualification period.