01/12 Cover - · PDF fileGeorge T. Cirese Mary R. Collier Stanley V. Compton Larry E. Cook Jeffrey S. Cope Dorothy J. Corbin Juanita R. Cox Stephen F. Cox James E. Craig Charles M

NEWSApril 2003UA

The news and ideas magazine for the Independent Agents of United American Insurance Company.

Need HelpSpreading the Word?

UA AdvertisingGets Results!

Need HelpSpreading the Word?

UA AdvertisingGets Results!

UA NEWS

Published monthly by

United American Insurance

Company for the

dissemination of

information to its Agents.

Prior permission must

be obtained from

United American for

reproduction or other use

of material herein.

Home Office972-529-5085

EditorRobin Woods

Graphic DesignerLee Griffin

Agent Service Center800-925-7355

Supply Order Information800-285-3676

Supply Order Fax405-752-9341

Supply Order E-mailuaagentsupply

@torchmarkcorp.com

Web Siteswww.unitedamerican.com

www.uageneralagency.com

ProCare ApprovalsA special mailing regarding ProCare MedicareSupplement rates for new business and renewalshas been mailed to General Agents in District ofColumbia, Iowa, Montana and North Dakota.Check your state(s) ProCare rate memo forcomplete effective date information and cut-offdates for business written with old rates. If you didnot receive this notice, please contact the AgentService Center at 800-925-7355.

Good Sense Plan ApprovalsA special mailing regarding Good Sense Plan(GSP) premium rate increase approvals effectiveMay 1, 2003 for new business and renewals hasbeen mailed to General Agents in WashingtonD.C..

You can order new rate cards by contacting AgentSupply at 800-285-3676.

Attn: California AgentsUA has switched from Attained Age to Issue Agepricing on ProCare Med-Supp plans in California.New supplies will be sent. No Attained Ageapplications or rates will be accepted after June 1, 2003.

Interest Rate SetThe Lifestyle Annuity new money interest rate forthe month of April is 4.00 percent. Rates willcontinue to be reviewed and adjusted accordingly.The Deposit Fund Rider interest rate for 2003 hasbeen set at 4.00 percent.

Attn: UA Life AgentsThe UA Partners authorization section has beenremoved from UA’s RT-85 and 400 Seriesapp/brochures. Use the UA Partners Authorization& Enrollment Form (F3840) to enroll your newbusiness clients in the UA Partners program.Enrollment forms may also be downloaded fromwww.uageneralagency.com/office.

Also, as previously communicated, the MIB Noticeof Information Practices authorization is nowrequired on all applications for life insurance.The MIB section of the app/brochure has also beenrevised.

Attn: Health AgentsThe UA Partners authorization section has beenremoved from UA’s Good Sense Planapp/brochures. Use the UA Partners Authorization& Enrollment Form (F3840) to enroll your newbusiness clients in the UA Partners program.Enrollment forms may also be downloaded fromwww.uageneralagency.com/office.Additionally, UA will now require the MIBNotice of Information Practices authorizationon all GSP sales. The Agent’s signature as well asthat of the applicant are required on the MIBAuthorization located on the back of theapp/brochure.

Attn: LTC AgentsEffective immediately, model regulations nowrequire insurance companies to determine that thepurchase, or replacement, of a long term carepolicy is the appropriate coverage based on theapplicant’s income and assets. In order to makethis determination, an LTC Personal Worksheetmust be completed and submitted with allapplications. Agents are required to provideapplicants with a copy of the new LTCInformational Letter (Form LTCINF). Theseforms may also be downloaded fromwww.uageneralagency.com/office.

HIPAA Privacy RulesThe HIPAA Privacy Rule becomes effective April14, 2003, and UA has implemented policies andprocedures to become compliant. Policyholdershave been mailed a Notice of Privacy Practices.For further information, please log on towww.unitedamerican.com.

Deposit Fund Rider ReminderWhen writing DFR business, please keep thefollowing points in mind:

The DFR is available with RT-85 business only.• Bank Draft premium payment mode is required

to open the Deposit Fund.• The minimum deposit amount is $5.• The interest rate is guaranteed not to fall

below 4%.• The initial deposit amount and the subsequent

bank draft deposit amounts must be the same.• Additional funds may be deposited by check

accompanied with a completed Transaction Form.

• There is no charge or interest penalty for withdrawals.

E D I TO R ’ S N OT E S

2 • UA NEWS • APRIL 2003

UA

APRIL 2003 • UA NEWS • 3

The end of the first quarter of the fiscal year isa good time to stop and make note of wherewe are. In this “State of the Sales Union”

comment, we do just that. Here’s how the year isshaping up so far.

United American sales are off to a great start in2003. In terms of new business, theHospital/Surgical product lines lead the way, withFinal Expense close behind. Of course, in terms ofin-force premium, Medicare Supplement coveragesare still on top. As amatter of fact, UA hasthe largest Med-Suppmarketshare of anycarrier, except theAARP provider. Formore information onthis exciting news, seethe special report onpage four.

UA is also in theprocess of completingthe filing of a newCritical Illness plan and will introduce the coveragevery soon. This plan will be an excellent add-on tothe basic Hospital/Surgical products and will featurea lump-sum benefit upon first diagnosis of certaincritical illnesses, such as stroke or heart disease. Weexpect the symbiotic relationship between CriticalIllness and basic Hospital/Surgical plans to producean increase in sales of both product lines.

For new business, sales of the new UA Partnersprogram have begun. As you know, this revampedprogram features a provider network, traveldiscounts, prescription savings, and much more.

UA continuously strives to engineer products andservices which are valuable to your customers. Thereception for the new Partners has beenenthusiastic, as it is easy for clients to see how tostretch their insurance dollars by enrolling in thenew program.

United American remains financially strong. Amajor subsidiary of Torchmark Corporation (NYSE:TMK), UA has earned an A+ “Superior” ratingfrom AM Best and a AA financial strength rating

from Standard & Poor’s.Torchmark is a Forbes 2003Platinum 400 company. Forfurther information aboutTorchmark, log on towww.torchmarkcorp.com andclick on “Investor Relations.”

As we have spoken to UAAgents across the country, Iam pleased to report awidespread feeling of optimismfor 2003. UA’s niche issupplemental coverages, and

the market for these products is in great shape.Each Agent I have spoken with is pleased with thepotential for an excellent commission-earning year.The opportunity is out there, and many of ourAgents are working hard to raise the bar by year-end.

Finally, as we at UA enjoy our continued prosperity,let us always be mindful of our brave servicemenand women overseas. May God bless our military asthey endeavor to maintain the great life weexperience in this nation.

FROM THE DESK OF:

Gene GrimlandPresident, General Agency

Marketing Division

“We are confronted with insurmountableopportunities.”

— Pogo

State of the (Sales) Union!

P E R S P E C T I V E


UA Is On Top!

National Association of Insurance Commissioners2001 Medicare Supplement Insurance Experience Reports

In Order by Direct Premiums Earned*

Company Name

Every year, the National Association of Insurance Commissioners(NAIC) issues a report reviewing Medicare Supplement activity over thepast year. The report details company earnings, claims, loss ratios andother pertinent Med-Supp data. One portion of the report of particularimportance is a list of Medicare Supplement providers by directpremiums earned. This report indicates which companies wrote the mostbusiness for a particular year.

At United American, we are so pleased to announce the NAIC has listedUA as one of largest writers of Medicare Supplement policies for 2001,second only to the AARP provider (see chart below). Also worth noting,UA has the lowest loss ratio of all companies listed in the top ten.

This is certainly an achievement! We are glad to share this good newswith our field force — without you such a milestone would not have beenpossible. There are many working parts of UA, and, at moments likethis, we all get to share in our success. Many thanks for your uniquecontribution to this accomplishment.

LossIncurred toPremiumsEarned %

DirectClaims

Incurred

MarketShare

%

DirectPremiums

Earned

United Healthcare Ins Co (AARP Supplier) 1,075,001,721 8.9 862,680,162 80.2United American Ins Co 663,823,393 5.5 449,408,212 67.7Bankers Life & Cas Co 542,354,132 4.5 379,635,104 70.0Health Care Svc Corp 450,177,650 3.7 344,320,967 76.5Mutual of Omaha Ins Co 371,147,186 3.1 263,002,392 70.9Highmark Inc 307,706,168 2.6 291,761,747 94.8BCBS of MA 287,202,132 2.4 264,546,818 92.1BCBS of NC Inc 285,437,785 2.4 211,894,997 74.2BCBS of FL 277,191,456 2.3 202,552,828 73.1Trigon Insurance Co 269,810,481 2.2 206,897,275 76.7

*Report dated Nov. 6, 2002

★Aristides AgueroJim B. AikmanKenneth E. AldhizerAMEX Financial AdvisorsJohn M. AndersonDow BakerJohn J. BakerLarry A. BassettGeorgia M. BauerBeauchamp & McSpaddenRussel N. BechtelRalph E. BellMichael O. BenkeAlex BerkowitzBernard WizigThomas J. BirdEdward A. BoltonDaniel W. BrightCraig BrozeyJudy H. BrummellMark E. CampbellEvelyn R. CarrollJames G. CarrollJames C. Chastant IIILois M. ChesnutJoe D. ChetwoodGeorge T. CireseMary R. CollierStanley V. ComptonLarry E. CookJeffrey S. CopeDorothy J. CorbinJuanita R. CoxStephen F. CoxJames E. CraigCharles M. CroweLarry A. CrumleyChalmers E. CuretonJames L. DarbyTim L. DeckardBernardino O. DeLapazWilliam D. Delzell

William B. DemareeCarl H. DesMaraisKenneth DeWaltRicardo A. DillworthElizabeth R. DimeolaDonald W. HoneckDavid S. DowlingHarold L. DuckworthJerry W. EckertJohn H. EikenberrySteve M. EnochFred A. EricksonSafar FarditurkmaniRoy T. FarrLeah A. FarsterLorenzo FaviaWaymon M. FerrellDavid R. FieldsHenry T. FulcherJerri D. GillDavid C. GlidewellErnesto J. GonzalesAnnamarie M. GoodwinRichard L. GordonRobert R. GundstromPorter B. GutteryJulian H. HalfacreThomas N. HansonRoger W. HarperBarbara T. HathwayDonald K. HattabaughHarold D. HayesLuis F. HernandezJoseph R. HodorowskiTimothy W. HuckstepVernon R. InmanJohn C. HarcarMyron L. JohnsonBruce A. JonesHenry T. JonesWayne K. JosselynTalmage L. Keenan

Charles A. KesslerRonald D. KingJames D. KnuttiSamuel LanRobert L. LarschanJoseph H. LedouxReginald O. LillieKatherine A. LindquistMilton D. LinkovsJonathan R. LoyolaAlma S. MandelRobert W. MannEllen M. MartinMichael MathisJoyce C. MatvejsTerrence P. McCartyMark A. McDonnellRobert L. McDanielGeorge H. McElroyDaniel MendozaConrado N. MirandaIsiah Morris Jr.Leigh M. MorrisLawrence P. Moss IIISusan R. NobleAngela R. OvertonRajeev PanditMarvin F. PankratzRandall PetersenSteven M. PhillipsRodger P. PiriusMichael S. PortwoodRalph S. Price Jr.Clyde E. PruettRandall W. ReedRoger D. LangehennigGary M. ReynoldsRobert N. RinehartSam RomoMarvin G. RooksRobert E. RotenizerDouglas V. Roufa

Glenda F. RouseAsa E. RoyaltyAlbert L. SanofskyKarl E. SchultzJames L. SegarsChristopher J. SeivertTommy M. HiebertRichard E. SieversJ. David SkeltonRoyland L. SkirvinPaul A. SmithAubrey L. StarlingMichael J. StichtRichard E. StrangeRobert L. SuttonErnest L. TibblesLynne B. TomlinsonVictor A. TouchoLuc D. TruongRoss E. TuckerAlbert L. ValeryJames F. VinsonThomas A. VlachosShirl B. WardWarren J. KolbFrank D. Watson Sr.Craig G. WearJoan A. WertelJames K. WhiteJulian D. WhitfieldRichard L. WilliamsPamela A. WoodWilliam M. Zaremba

The results are in! Everyone at UA would like to say thanks to everyone whoparticipated in our Revival Stars contest. Appearing below is the last list of

participants’ names. Congratulations to you all!

And The

Congratulations are in order for Michael Benke!Mr. Benke is the winner of the Revival Stars’ drawing andwill be extended an invitation to attend UA’s SalesConference at the fabulous Fairmont Scottsdale Princess inMay 2003!

Pictured Left: Lori Leggett and Gene Grimland draw thelucky winner.

Revival Stars

UA Advertising:Approved, Available, and Accessible

Before you pick up your pen, spend days creating an eye-catching ad, and thentake weeks running the approval process, check out what advertising UA already has available.Often, you will find we have something to suit your purposes, and these ads are approved andready to go. Also, new advertising is continuously created — just see below! Best of all, thesepieces are available to UA’s Independent Agents free of charge.

“All You Need Is One”(UAOHL2)

This is a full page, full color adtargeting Senior Health prospects.The ad outlines features of UA’sSenior products, such asguaranteed renewability, freedomof choice, and access to discountson prescriptions and services.

ALAKARAZCACOCTDEDCFL

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The new UAOHL2 is available in states marked with an “X” as of 3/1/03.

“All You Need Is One”(UAOHL1)

This ad presents the idea of UAas the “one” company for all aprospect’s supplemental insuranceneeds and outlines UA’s products,services, and stability. It is also afull page, full color ad.


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The new UAOHL1 is available in states marked with an “X” as of 3/1/03.

Having TroubleFinding AffordableHealth Coverage?(AG497)

AG497 is a black-and-white,camera-ready print ad. Perfect fornewspapers or news magazines, thead intends to address prospectslooking for affordable UnderageHealth coverage.


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The new AG497 is available in states marked with an “X” as of 3/1/03.



Medicare Supplement:ProCare Plan F (AD-119-20 R01)

Ten Reasons to Buy (AD-121-2 R99)

Financial Stability (AD-127-8 R99)

ProCare Plans F & C (AD-132 R99)

ProCare Plans D & G (AD-149)

General Med-Supp (AD-148)

Ten Advantages of Med-Supp overHMO (AD-152)

Five Advantages of Med-Supp overHMO (AD-153 RW01)

UA Ratings & Service (AFS RW01)

HMO Cancelled (AG390R)

UA Service Points (AQA)

Underage Health:HSXC Hospital Surgical (AD-144)

Good Sense Plan (AD-146R02)

General Underage Health(AD156-158)

Affordable Health Coverage(AG497)

Life:Whole Life (AD-137)

Joint Last Survivor (AD-139)

Memorial Guide (AD-140)

Final Expense Memorial Guide(AD-141)

RT-85 (AD-147)

One Life Plan (AD-155GAD)

Long Term Care & CancerLTC Gold/Classic (AD-143)Cancer (AD-135 R00)

United American & BannersAgent Salute (AD-129)

Sm. Agent Salute (AD-130)

Affordable Health Banner (AHIB)

Priced Out of Coverage?-Banner(HIMS)

*Please check the AdvertisingApprovals Chart for availability inyour state.

Print Ads Available From UA...Remember: They’re free!

ImportantAdvertisingReminder:Any variation on Company-providedmaterial or any individual piece anAgent desires to use for customersolicitation must be submitted to theHome Office for written approvalprior to publication or use.Advertising is any material used withpotential customers to promoteinterest in the Company, its productsor its producers, such as print ads,TV/radio scripts, websites, or directmail pieces.

Send the material to:Home Office Attention: Mike GaisbauerCompliance Department

Allow a two- to three-weekturnaround time for the review andevaluation process. If prior stateapproval of the advertisement isrequired, expect additional delays. Ifthe advertisement will be used formore than 60 days, it must be re-submitted.

A review of UA’s advertisingguidelines can be found online atwww.uageneralagency.com/office.

Banner Ads for Signage(AHIB & HIMS)

The banner ads may be used forsignage such as billboards,magnetic car signs, or yard signs.These ads are designed topromote UA’s Underage Healthproducts.


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The new AHIB & HIMS are available in states marked with an “X” as of 3/1/03.

[ PHONE NUMBER ]


Sales Potential: Quick Checklist*Q: Do you have a well defined business development strategy?

Please circle the most appropriate response.

1. Everyone in the agency can clearly articulate the vision of the agencyand where sales fits into the overall picture.

2. The agency has identified and established a target customer profile.

3. The agency possesses the skills, resources, and company relationshipsto attract and retain those target clients.

4. The agency knows what competitors are doing to meet client needs and desires.

5. The agency has established outstanding two-way communication withexisting clientele (i.e. providing clients information and listeningeffectively).

6. The agency does research to identify prospects who fit the profile ofthe target customer.

7. The agency actively solicits referrals from existing customers.

8. The agency has clearly defined and implemented a process fordeveloping new business.

9. Product offerings match the needs of customers (existing and prospective).

10. Agency placements (submissions to companies) are complete and accurate.

11. The agency regularly looks for ways to improve the effectiveness ofsales and servicing efforts.

12. The agency conducts customer surveys to understand its performancerelative to customer expectations.

13. Agency excels in customer service.

14. Agency maintains industry and specific customer knowledge.

15. Agency provides thorough training in product knowledge.

1 2 3 4 5

NotDoing

AveragePerformance

DoingGreat

*Reprinted with permission. Independent Insurance Agents & Brokers of America, Inc.2000-2003. All Rights Reserved.

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Scores:15-31 Needs Improvement 32-60 Average 60-75 Superior


Quality Forum:Business Development

Business development is a critical issue for any Agency or Agent. In order to keep generating new business (andnew commissions), prospecting must stay at the forefront of the insurance professional’s agenda. We asked two of

our top GAs to fill out the survey to the left and take a moment to discuss the results. The following are their scores and thoughts.

William T. BrewerGeneral Agent Brewer Insurance AgencyScore: 56

“There are two areas which we really focus on at ourAgency: the actual sales presentation and the follow-up.

In teaching a new Agent to develop an effectivepresentation, I always coach them myself and, in mostcases, take them out with me personally. I spend abouttwo weeks teaching them the finer points ofcommunicating with prospects. In my experience,novice Agents are typically inclined to either give uptoo quickly or assume the prospect does not have aneed. Both of these pitfalls can be avoided by simplecommunication.

It is important to make the presentation in a relaxedenvironment. Try to make a friend rather than acustomer. If it takes an hour or more to educate theprospect and gain their trust, this is time well spent.The business will be much more solid if you are willingto invest the time.

Secondly, I really try to emphasize the follow-up. It isimportant to stay in contact with the prospect,especially during the underwriting process. I personallydelivery the policy and go over the plan with thecustomer again. Ten days later, I give the newpolicyholder a call. This gives me a chance to makesure everything is still on track; in case there are anyobjections I am able to deal with them then rather thanlose the sale.”

Jonathan AhlbumGeneral AgentThe Ahlbum GroupScore: 65

“At my Agency, we try to emphasize consistentlydelivering quality customer service as well constantlyseeking referrals. I have found that the two really gohand-in-hand.

I usually ask for referrals when I deliver the policy. Ifeel this is a good point in the process because, by thistime, you’ve built some rapport with the client andthey know your word is good. You’ve done what yousaid you would do. I try to impress upon my Agentsthat every sale should really result in three or foursales. It is not uncommon for new Agents to hesitateabout asking for a referral. They feel as thoughthey’ve built this warm relationship with their newclient, and they don’t want to damage that trust — butit doesn’t. Most people understand you are operatinga business and are not taken by surprise that youwould like to continue to grow that business.

Sometimes, the referral comes down the road. This iswhy customer service is so important. At my Agency,if a customer calls with a question or concern, wereturn the call that same day. It is critical that thepolicyholder get an immediate response. They needto know you are with them for the long haul, not justthe sale. Superior customer service is the proof ofyour commitment, which is why often, months later,we may see a referral roll in.”


6. CAMERON M. KIRCHOFF

7. DAVID GROPPI

8. NEAL STACY

9. STEPHEN K. BARBER

10. AMY-NICOLE PERKINS

11. JOHN M. BLOOM

12. PHILIP B. ORTEZ JR.

13. STERLING R. COOPER

14. BARRY COLLINSWORTH

15. TOD E. KEMBLE

16. JAY M. MULLINS

17. JAMES E. MAYNER

18. JERRY C. ANDERSON

19. LYNN M. STOKES

20. PHILIP K. SEIDEMAN

21. JOHN S. LORD JR.

22. JOHN J. LOEWEN

23. TERRY W. PATTON

24. SYDNEY M. PATTON

25. ANDREW M. BASHOR

26. GAIL L. BLAIR

27. JAIME R. KLEIN

28. HOLLIE L. NEELY

29. GARY SAUNDERS

30. C. DEAN DAVISON

TO P P R O D U C E R S

6. JIMMY K. WALKER IIAmerica’s Insurance Consultants, Inc.

7. MICHAEL LEMARSunshine State Agency

8. RAY GRIFFINUnion Benefit Corp.

9. TINA HENSONAmerican Eagle Consultants, Inc.

10. PHILIP B. ORTEZ JR.Phil & Kathy Ortez InsuranceAgency, Inc.

11. LARRY L. WEBSTERWebster & Associates, Ltd.

12. CATHERINE HATTONHatton Insurance Agency

13. RON CONCKLINRosenberg-Concklin, Inc.

14. DAVID K. DANIELSDavid K. Daniels & Associates

15. PAUL D. WOOD JR.National Health Insurance Company

16. FRANKLIN D. CARBONEAssured Benefits Corp.

17. JONATHAN AHLBUMThe Ahlbum Group

18. TERRY E. BREWER JRBrewer Insurance Agency

19. ROY G. WEINBERGWeinberg Insurance Agency

20. PAUL SWEENEYQuality First Insurance Agency, Inc.

21. INSURANCE OF AMERICAAGENCY, INC.

22. WILLIAM F. WISE JR.Wise Insurance Agency

23. EAGLE INSURANCE GROUP24. WILLIAM BREWER

Brewer Insurance Agency

25. MICHAEL WATTSWatts-Baxley Agency

26. GEORGE DEMELLO JR.LPI Associates, Inc.

27. ROBERT LYLEMedical Insurance Services, Inc.

28. ROBERT GERCZAKGerczak Insurance Agency

29. ROBERT J. STILLWELLRobert J. Stillwell Agency, Inc.

30. MICHAEL BENKEBenke Insurance Agency

Through March 2003, the following producers represent the top Agencies with the highest net combined annualizedpremium for the year. A distinguished wall plaque will be awarded each month to the number one President’s Clubcandidate. Agencies shown in color are on schedule to attend the UA Sales Conference.

Through March 2003, the following producers represent the top Writing Agents with the highest net combinedannualized premium for the year. A distinguished wall plaque will be awarded each month to the number onePacesetters Club candidate. Agents shown in color are on schedule to attend the UA Sales Conference.

1. MICHAEL K. STEVENSFarm & Ranch Healthcare

2. KEN PARKERParker & Associates, P.A.

4. CHARLES R. MANKAMYERAmerican Life & Health Group, Inc.

3. PAMELA RANDALLP.R.’s Insurance Solutions

PRESIDENT’S CLUB PACESETTERS CLUB

5. THOMAS STATKEWICZSylvan-James Associates, Inc.

1. TERRANCE R. DAVIDSON

2. FRANKLIN D. DANDRIDGE

4. RICHARD R. ZEIS

3. DIANA R. PERKINS

5. RICHARD W. CHALKER


TO P P R O D U C E R S

LIFE GENERAL AGENTS HEALTH GENERAL AGENTS

LIFE WRITING AGENTS HEALTH WRITING AGENTS

1. KEN PARKERParker & Associates, P.A.


3. EAGLES INSURANCE GROUP4. DAVID K. DANIELS

David K. Daniels & Associates

5. MATTHEW U. THOMPSONThompson Insurance Agency

6. STANDARD INTERNATIONALUNDERWRITERS, INC.


8. BRIAN H. MCLAUGHLINMcLaughlin Insurance Agency

9. ALLEN V. TURNERTurner Insurance Agency

10. RICHARD F. GRAHAMGraham Insurance Agency

11. MICHAEL P. KOETTINGKoetting Insurance Agency

12. RICHARD HARKERHarker Insurance Agency

13. LARRY L. NOYESNoyes Insurance Agency


15. JOHN R. THOMPSONThompson Insurance Agency

16. STEPHEN E. FREYFrey Insurance Agency

17. JOHN R. BILLSJohn R. Bills & Associates

18. PAUL E. BROUSSARDBroussard Insurance Agency

19. PAUL COLSONSenior American Insurance Agency, Inc.

20. ROLAND GUTIERREZGutierrez Insurance Agency

21. RAY W. MOELLERMoeller Insurance Agency

22. DAN L. ARTHURSCarolina Insurance Marketing

23. WILLIAM J. FEDIGANFedigan Insurance Agency

24. ALBERT R. MCKENZIEMcKenzie Insurance Agency

25. EDWARD L. WEHRENBERGWehrenberg Insurance Agency

26. BILLY C. FIELDSFields Insurance Agency

27. RICHARD REIFJ. R. Insurance Agency, Inc.

28. ROBERT D. COLLINSCollins Insurance Agency

29. CHARLES H. OWENSOwens Insurance Agency

30. JAMES M. BURCHBurch Insurance Agency

1. JAMES L. DODD IV

2. JEFFERY A. HEYBROCK

3. BRYAN K. COATS

4. ROBERT W. MITCHELL

5. ELLEN S. NICODEMUS

6. CHRIS W. SIMPLER

7. STEPHEN K. BARBER

8. BARRY COLLINSWORTH

9. LARRY A. WEINER

10. STEPHEN W. BENNETT

11. CRAIG WARD

12. BRIAN S. MARTIN

13. ANGEL H. GODBOLT

14. PHYLLIS C. OWENS

15. MICHAEL A. WATKINS

16. MARK NATIONS

17. NEAL STACY

18. TERRY L. LAMBETH

19. JAY M. MULLINS

20. MICHELLE D. STYLES

21. KATHERINE B. GLENN

22. MISTY M. NICODEMUS

23. STEPHEN M. LEVY

24. JAMES H. KALCHTHAL

25. DARRLY L. GORDON

26. JEFFREY M. MUYRES

27. CHAD F. SMITH

28. MITCHELL C. WOLFF

29. LARRY W. MURPHY JR.

30. LARRY M. BARKSDALE

1. TERRANCE R. DAVIDSON

2. DIANA R. PERKINS

3. FRANKLIN D. DANDRIDGE

4. RICHARD R. ZEIS

5. RICHARD W. CHALKER

6. AMY-NICOLE PERKINS

7. JOHN M. BLOOM

8. PHILIP B. ORTEZ JR.

9. JAMES E. MAYNER

10. CAMERON M. KIRCHOFF

11. DAVID GROPPI

12. PHILIP K. SEIDEMAN

13. STERLING R. COOPER

14. JOHN S. LORD JR.

15. TERRY W. PATTON

16. JOHN J. LOEWEN

17. NEAL STACY

18. SYDNEY M. PATTON

19. GAIL L. BLAIR

20. JAIME R. KLEIN

21. ANDREW M. BASHOR

22. TOD E. KEMBLE

23. JERRY C. ANDERSON

24. GARY SAUNDERS

25. LYNN M. STOKES

26. HOLLIE L. NEELY

27. JAY M. MULLINS

28. CYNTHIA G. POWELL

29. BRUCE E. LUNDIN

30. C. DEAN DAVISON


2. PAMELA RANDALLP.R.’s Insurance Solutions

3. CHARLES R. MANKAMYERAmerican Life & Health Group, Inc.


5. JIMMY K. WALKER IIAmerica’s Insurance Consultants, Inc.

6. MICHAEL LEMARSunshine State Agency

7. RAY GRIFFINUnion Benefit Corp.

8. PHILIP B. ORTEZ JR.Phil & Kathy Ortez Insurance Agency, Inc.

9. LARRY L. WEBSTERWebster & Associates, Ltd.

10. CATHERINE HATTONHatton Insurance Agency


12. RON CONCKLINRosenberg-Concklin, Inc.

13. PAUL D. WOOD JR.National Health Insurance Company

14. FRANKLIN D. CARBONEAssured Benefits Corp.

15. DAVID K. DANIELSDavid K. Daniels & Associates

16. TERRY E. BREWER JRBrewer Insurance Agency

17. ROY G. WEINBERGWeinberg Insurance Agency

18. JONATHAN AHLBUMThe Ahlbum Group

19. PAUL SWEENEYQuality First Insurance Agency, Inc.

20. INSURANCE OF AMERICAAGENCY, INC.

21. WILLIAM F. WISE JR.Wise Insurance Agency

22. BRUCE D. RICERice Insurance Agency

23. WILLIAM BREWERBrewer Insurance Agency

24. MICHAEL WATTSWatts-Baxley Insurance Agency

25. GEORGE DEMELLO JR.LPI Associates, Inc.

26. ROBERT LYLEMedical Insurance Services, Inc.

27. ROBERT GERCZAKGerczak Insurance Agency

28. ROBERT J. STILLWELLRobert J. Stillwell Agency, Inc.

29. MICHAEL BENKEBenke Insurance Agency

30. RONALD O. PENLANDPenland Insurance Agency

Headquarters of United American Insurance Company

About Your CompanyFor over a half century, United American

Insurance Company has been meeting the

public’s life and health needs. We are a leader

in individual life/health protection. We are

totally committed to meeting customer needs

through personal one-on-one Agent service

and complete Home Office customer

support. You can count on UA to do what it

says it will do.

SUPPLY ORDER INFORMATION:Toll Free: 800-285-FORM or 800-285-3676Fax: 405-752-9341E-mail: [email protected] site: www.uageneralagency.com

Presorted Standard

U.S. Postage

P A I DMcKinney, Texas

Permit No. 75

District of Columbia

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

TERRITORY:Licensed in:CanadaUnited States of America

POST OFFICE BOX 8080MCKINNEY, TEXAS 75070-8080

ADDRESS SERVICE REQUESTED

Documents

01/12 Cover - · PDF fileGeorge T. Cirese Mary R. Collier Stanley V. Compton Larry E. Cook Jeffrey S. Cope Dorothy J. Corbin Juanita R. Cox Stephen F. Cox James E. Craig Charles M