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November 2012
The news and ideas magazine for the Independent Agents of United American and First United American Life Insurance Companies
2 November 2012
2013 changes for Medicare suppleMent plans hdf, f+, K, and l The Centers for Medicare & Medicaid Services (CMS) recently announced the 2013 deductible for Medicare Supplement Plans HDF and F+ and the out-of-pocket limits for K and L.
• Annual deductible Plans HDF and F+: $2,110
• Annual out-of-pocket expense limits for Plans K and L: $4,800 and $2,400 respectively
As of press time, Medicare has not released the 2013 Part A deductible, hospital daily copayments, skilled nursing facility copayment, Part B monthly premium, or Part B annual deductible.
iMportant change for ua agents!Effective Nov. 1, 2012, United American will accept new Lifestyle Single Premium Deferred Annuity (USDPA02) production only from Agents who have sold at least an equivalent number of UA ProCare Medicare Supplement policies. Policies written prior to Nov. 1, 2012, must be received in the Home Office by Nov. 8, 2012. This restriction does not apply to the Reserve Fund Annuity (RFA).
Agents who fail to comply with this requirement will be subject to contract termination. Contact Agency Service at 1-800-925-7355 or e-mail [email protected] with questions.
attn: ua agentsUnited American has updated its Privacy & Disclosure Information (UAPDI) booklet to include the following:
Change Medical Information Bureau’s name to MIB, Inc.
Update MIB, Inc. company address
Delete hearing impaired TTY phone number
Underwriting now reports medical information to MIB, Inc.
Applicants can now contact MIB, Inc., to request their medical record report
Go to the Agent website, ‘Products/Rates’, ‘Download Supply Order Form’, to order new UAPDI (F5616) booklets. Please discard any old UAPDI booklets and begin using the new booklet. Applications submitted with the old versions will not be accepted after Dec. 1, 2012 (no exceptions).
Contact Agency Service at 1-800-925-7355 or e-mail [email protected] with questions.
attn: all agentsEffective Nov. 1, 2012, United American’s Single Premium Annuity (UFPDA02, FPA802) and First United American’s Flexible Premium Deferred Annuity (NYFPDA02) changed lifetime maximum limits from $1,000,000 to $100,000. This change is for new business only. Annuities purchased prior to Nov. 1, 2012, are not affected. The maximum annual limit of $20,000 per annuitant, per policy, does not change.
As a reminder, First United American Agents may only sell First UA annuities if they are also selling First UA’s Medicare Supplement insurance policies. First United American cannot accept new annuity production from Agents who have not also sold at least an equivalent amount of First UA Medicare Supplement policies.
Agents who fail to comply with this requirement by selling First UA annuities without having sold at least an equivalent number of First UA Medicare Supplement policies will be subject to contract termination.
UA Agents may contact Agency Service at 1-800-925-7355 or e-mail [email protected] with questions. First UA Agents should contact the Home Office at 315-451-2544 with questions.
attn: all agentsThe Home Office recently distributed to all General Agents an ‘Infographic’ to visually communicate our Companies’ Social Media Etiquette (SME). The poster can be displayed in a prominent location in your office.
The SME, along with our Social Media Guidelines and Social Media policy, is found on both the UAGA and First UA websites under ‘Code of Business Conduct and Ethics’. Using Social Media like Facebook and Twitter can boost your recruiting efforts as potential recruits look to Social Media to learn more about the Company and its culture. Get active on Social Media and help project a positive image for UA and First UA.
interest rates setThe Lifestyle Annuity rate for November 2012 is 3.00 percent. Rates are reviewed and adjusted accordingly.
The Deposit Fund Rider new business interest rate for 2012 is 3.00 percent.
thanKsgiVing holidaYThe UA and First UA Home Office is closed Thursday, Nov. 22, and Friday, Nov. 23, in recognition of the Thanksgiving holiday. Have a great Turkey Day!!
Words of WisdoM“It is not your customers’ job to remember you. It is your obligation and responsibility to make sure they don’t have the chance to forget you.”
Patricia Fripp, professional speaker, coach, trainer
marketing content manager christie gibson
editor roberta boyd king
senior staff writers brynn caccamo, katrina kotzen
staff writer seth cohn
jr. staff writer/staff photographer brittany feagans
graphic designer john begg
e-mail [email protected] to update information in Summit
home office First UA 972-529-5085 315-451-2544
agent service center 800-925-7355 or e-mail [email protected]
supply order fax 469-525-4290 attn: agency supply
supply order e-mail [email protected]
websites unitedamerican.com unitedamerican.com/logon firstunitedamerican.com firstunitedamerican.com/office www.torchmarkconvention.com
Published regularly by United American and First United American Life Insurance Companies 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.
Charles Mankamyer Senior Vice President / General Agents
Grab your board and head to the beach because the BIG wave of Seniors is rollin’ in!
The Medicare Advantage Annual Enrollment Period (AEP) for 2012 is well underway, and I’m excited about the potential it has now and in the future. According to a July report by the Congressional Budget Office (CBO) and the Joint Committee on Taxation (JCT), federal payments to Medicare Advantage Plans will reduce by approximately $156 BILLION over the next 10 years. The CBO also states Medicare Advantage (MA) enrollments will drop from 13.9 million currently to only 9.1 million by 2019. That’s close to 5 million Seniors who will seek alternative coverage in the next few years.
The Centers for Medicare & Medicaid Services (CMS) recently released data that revealed the nonrenewal of more than 6,056 MA plans and almost 5,976 new MA plan combinations. Most members of nonrenewed plans are offered a replacement plan by their current insurer, but there are 393,819 MA plan members not being offered a replacement plan. Those 393,819 Seniors impacted by nonrenewed plans are looking for new coverage … a 36 percent increase over the number of Seniors this time last year. They need help, and you can offer it to them with a quality Medicare Supplement from UA or First UA.
Medicare Advantage disenrollments provide us with tremendous opportunity to broaden our customer base, but Medicare Advantage is only part of it. With 10,000 individuals becoming Medicare-eligible every day in the United States according to Pew Research, our country is truly in the midst of a ‘Senior Tsunami’. Wave after wave of Medicare-eligible Seniors are looking for supplemental coverage that is affordable and will help eliminate deductibles, copayments, and coinsurance. It's your job to provide them with a quality Medicare Supplement that suits their needs and budget.
Every time I read articles related to Medicare Advantage and the thousands of MA plans available, being dropped, or added, I appreciate even more the tremendous simplicity of Medicare Supplements:
y There are only 11 Medicare Supplement plans from which a Senior can choose, including the high deductible Plan F (HDF and F+ in New York).
y All Medicare Supplement plans offer the same benefits, no matter which company sells them.
y Medicare Supplement plans are guaranteed renewable as long as premiums are paid on time.
y Seniors can choose any doctor or hospital that accepts Medicare. There are generally no networks.
y Depending on the Medicare Supplement plan selected, a Senior may have no deductibles, copayments, or coinsurance about which to be concerned.
Most Seniors have worked hard all their lives. If there is anything you can do as individual Agents or we can do as a Company to make their retirement years more comfortable, let’s pledge to do it. Medicare— and healthcare in general—is such a loaded issue right now, we need to assure Seniors that no matter what changes the federal government makes regarding Medicare, we are there for them.
As we celebrate Thanksgiving once again, I thank each of you for your loyalty and dedication in bringing UA and First UA products to your customers. I know you always have a choice, and I appreciate that so many of you choose UA and First UA year after year. Have a wonderful holiday season …and a fantastic fourth quarter!
Plan Year Total Plans New PlansNon-Renewed
Plans
Insureds Impacted by
Non-Renewed Plans
% Change Insureds
2013 43,306 5,976 6,056 393,819 36%
2012 43,458 12,317 8,311 288,742 -86%
November 2012 3
WELCOMEto UA & FIRST UA
4 November 2012
United AmericAnAbrahamson, Olaf C.Aguilar, David F.Albarran, Edgar G.Anthony, Jimmy J.Arbuthnot, Frederick J.Arnold, John P.Atherton, William GeorgeBailey, Monica V.Bakken, Harlan T.Banks, Thomas J.Bartlett, Robert LeeBaxter, TonyBeecher, AmosBeers, Lisa G.Bell, Bonnie A.Bentley, George H.Blackhurst, Don C.Blockey, Julie A.Boatwright, Robert A.Bonito, GeorgeBradley, Shawn J.Brown Jr., Howard E.Brown, Randall E.Broyles, Lynn E.Bryant, Calvin W.Butler, Joann G.C.L. Zuk & Associates InsuranceCain, Marty D.Caldwell, AprilCalles, RobertoCampbell, Gaylen R.Carpenter, Robert BurlCarvell, WandaCash, James N.Castle, Russell D.Childs Sr., Harold RaymondChristophersen, Chris J.Claflin, StephenClark, Brenda G.Clark, Don H.Clarke Jr., Carl O.Cleghorn, Michael S.Coker, Norman L.Colino, Charmaine K.Coon, Steven R.Cosa, Narcis F.Cowguill, DavidCrawford, Rosie M.Criscolo, William J.Croes, John G.Custer, Ray R.Daggett, Clinton W.Dale Sr., BenjaminDavid, Venita LynnDeitz, Arlene M.Desmarchais, Kenneth J.
Dibacco, Sheri J.Diers, Michael E.Dillinger, VirginiaDomenico, Nicholas PaulDouglas, Clinton H.Echols Jr., EarvinElizarraga, Maria P.Elrod, Teresa CoxEpstein, Harriet J.Erickson, Carol K.Ernsbarger, LeonardEvans, Donald D.Faircloth, Janice L.Farrell, Michael E.Finkle, James E.Flood, EveForbes, Chenese O.Ford, Brenda C.Franklin, Charles E.G.M. Goldman & Assoc., Inc.Gantner III, Joseph C.Gardner, Amy A.Garrett Sr., Ernest E.Gehrich, Rhonda LeeGibson, AndreaGish, JohnGlymph, Carolyn M.Goldberg, David G.Goodwin, ScottGordey, James DavidGranados, JuanGriswold, ElaineGuerrero, TeresaGuiness, StevenHaack, Donald D.Hahn, David B.Hall, Casey FergusonHall, Freddie C.Hall, Ted H.Harris, Alvin L.Harris, Glen RayHauck, RhondaHawald, Mark J.Hawkins, Gary ThomasHeartland Benefits, Inc.Heath, Millard C.Heffernan, Daniel E.Henking, Dana M.Hetland, Ryan C.Hilliard, Rodger D.Hillman, Howard S.Hoag, GilbertHolmes, Glenn AllenHoneysucker, James L.Hose, Steve W.Hovde, Donald G.Hudgen, Gwendolyn
Hughes Jr., James H.Hunter, Yvonne G.Insuremonkey, Inc.Jackson, David M.Jackson, Douglas E.Jacobson, MichaelJaehnke, Douglas R.Jameson, Cynthia L.Jennings, Cynthia DillonJohnson III, John W.Johnson, Rex A.Jones, Michael D.Jumpe, VirginiaKao, William W.Kayser, Cynthia M.Keenan, Linda M.Kelly, Dennis E.Kelly, PercivalKerns III, William E.King, John W.Koppin, Matthew R.Kroum, Robert J.Kunic, Ivan N.Landry, Ralph PaulLarsen, DavidLaughlin, ThomasLavine, John H.Layne, Jack R.Leach, Ivy L.Lederer, MartinLemieux, William AlfredLevy, M. DavidLewis, Alicia W.Lijeski, PaulLindgren, William B.Loftin, LyneseLombardo, June C.Lopez, TonyLucas, RichardLumba, Cody C.Lynch, LawrenceMalcolm Jr., Billy F.Marr, Priscilla F.Marr, Steven R.Maxfield, Edward A.May, CaroleMazer, Deborah L.McCallum, Bruce AllanMcCullough, Sandra LeeMcRae, Marjorie K.Megraw, Keith J.Menck, Michael A.Mergener, DonaldMessett, Jeffrey L.Messett, WilliamMeyer, Timothy J.Meyer, Tonya V.
Mickle, KennethMidland, AnnetteMiller, Daniel S.Miller, DerekMinor, Lynne D.Mitchell, Robert H.Mixon, WilliamMoebes Jr., Thomas F.Mollica, RosannaMoluf, LarryMorey, Leslie M.Morrill, Benjamin JamesMorris, Louise T.Mullins, John H.Murray, DavidMyers, Cheryl L.Nardelli, Mark S.Neitz, Karen A.Nelson, Richard C.Nesbitt, Philip W.Newell, Joe A.Newhouse, TiffanyNickoles, Leonard F.Nunes, RobertO’Brien Jr., Earl M.O’Grady, Peter E.Okrant, Bruce I.Orange III, FrankOtto, Dwight R.Owen, William D.Parker, Edward G.Patel, BhailalbhaiPenangwala, Ahmed S.Pennick, James E.Pettis, Sherman W.Phillips, Mark W.Pickar, Douglas MorganPines, Karen J.Pollack, NicholasPonders, Angie D.Porterfield, JohnPotts, Phillilp S.Pratka, CharlottePrideaux Agency, Inc.Procknow, Gary L.Pryor, DebraPryor, RaymondPy FinancialRamsey, EllenRankin, Stanley L.Ratner, Richard A.Ray, Sidney D.Rayle, Cary K.Redden, Debra A.Reed, MarieReed, Steven G.Regan, Daniel
Restaino, Brian W.Reyes, Virna L.Richardson, Robert W.Richman, AndrewRiley, Derek B.Ritter, Calvin J.Riva, AntonioRND Ins. Marketing, Inc.Rose, Anne C.Ross, Alice M.Rouke, Eileen F.Rudd Jr., Kenneth W.Russell, PamelaRusso, Joseph M.Ruth III, Charles F.Salas, GracieSampson, Barbara A.Sarmiento, ManuelScearce, William C.Schlenkert, CherylScullen, Robert W.Seays, CeceliaSela, LiorSellick, BradleyShah, AshokShah, RajeshSherrow, Frank C.Smalls, Dianne M.Spann, Elizabeth AnnSpann, GarySpencer, Jeffrey S.Spinelli, Maricela I.Stellpflug, John G.Stewart, Katieshya M.Strickland, John C.Stukenborg Jr., Alfred J.Sullivan, Mark B.Suttles, Dony M.Swanson, Katherine L.Sword, Charles H.Tamiso, William L.Tangri, Kuldip C.Tashler Jr., John W.Taudte, James A.Taylor, John J.Thatcher, Lisa S.Thompson, Jack E.Tilson, MichaelToure, TiemokoTrahan, Sherry Y.Trask, David J.Trierweiler, RichardTrussell, Reuben L.Umberger, Sharon S.US Family Fin. Serv., Inc.Uzcategui, Marco A.Varner, Daniel E.
Vining, Gerald M.Walterman, Daniel L.Waltz, Robert A.Weaver, BrianWeaver, Travis RushforthWebb, John C.Weeks, Elizabeth A.West, Gene WillilamWiedeman, Marcia W.Willcockson, Jeffrey B.Williams, Gwendolyn RoseWilson, J. L.Wilson, Pauline A.Worthington, Carl P.Wu, JulanWynberg, Gary J.Young, Robert CameronYoung, Thomas E.Zaruba, Mark J.Zwers, Francis G.
FirSt United AmericAnAmitrano, RalphArgento, Margaret A.Assael, StevenCadavid, Juan R.Caravousanos, George V.Clifford M. Golub Assoc., Inc.Colangelo GroupElie, Cecil S.Eshaghian, ArashFonseca, Maria S.Galusha Jr., Joseph V.Gannon, James EdwardGant, Keithlyn F.Geier, AlanHematian, ShaiHoefer, Francis E.Hoffmann, GerardJohnson, Linda A.Kregsman, DonaldMansfield, David MatthewMansfield, LaurenceMehta, Trilok M.Milella, Richard F.Mosquera, Edwin E.Peters, Louis J.Ranu, Mukesh K.Song, DavidSwinton, Billy G.Toner, Michael J.Wamiq, NadeemYuen, Wai K.
The Medicare Advantage Annual Election Period is winding down. Now it’s preparation time for the MA Annual Disenrollment Period that runs Jan. 1, to Feb. 14, 2013. Spread the good word about UA and First UA and welcome aboard!
Medicare Advantage Annual Enrollment Period (AEP)Oct. 15 – Dec. 7, 2012
Medicare Advantage Annual Disenrollment Period Jan 1. – Feb. 14, 2013
What Applicants NeedUA and First UA require applicants who disenroll from an MA plan during one of the above time periods and apply for a Med-Supp plan to submit ONE of the following with the application:
1. Copy of applicant’s MA plan disenrollment notice* — OR — 2. Copy of signed letter applicant sent to her MA plan requesting disenrollment — OR —3. Statement signed by applicant that she requested disenrollment from her MA plan, indicating how
request was made — whether contacting the MA organization by phone, over the Internet, or calling 1-800-MEDICARE.
Documents must be dated and include name of the Medicare Advantage insurer from which applicant disenrolled and MA plan termination date. After Feb. 14, 2013, an applicant can submit ONLY a copy of applicant’s MA plan disenrollment notice.
Application Completion for MA Disenrollees1. Fully complete the Med-Supp application and include a copy of
applicant’s Medicare card. 2. Provide the MA plan start date in Part II, question 3(a).3. Provide the MA plan termination date in Part III.4. Applicants involuntarily disenrolled from their MA plans must complete
Part III, Section I of the app, providing name of the MA insurer, date of termination, and reason for termination.
5. Applicants voluntarily disenrolled from their MA plans must complete Part III, Section II of the app, providing name of the MA insurer, date of termination, and reason for termination. This type of applicant must also answer questions I and 2.
6. Complete Replacement Form REPMSM (NYREPMSM and NYU-1366 R11 in New York) by marking ‘Disenrollment from a Medicare Advantage Plan’ and providing a brief explanation of the reason for disenrolling.
*An applicant’s MA plan disenrollment or termination notice is required if the applicant applies for a Guaranteed Issue Medicare Supplement policy. Health questions are not answered if the applicant is eligible for Guaranteed Issue. Not applicable in New York.
Medicare Advantage disenrollees take center stage for the next several months. To make sure applications are processed quickly … along with your commissions … keep the following in mind:
Medicare advantageMedicare advantageMedicare advantage
NOW
LATER
November 2012 5
- -
- -
Initials of
Proposed Insured
APPLICATION FOR MEDICARE SUPPLEMENT INSURANCE * UNITED AMERICAN INSURANCE COMPANY
A LEGAL RESERVE STOCK COMPANY
6208
WHAT DOES AN INSURANCE CAREER OFFER? y PERSONAL SATISFACTION: Provide appropriate insurance coverage to help ease the financial risks of everyday life.
y FLEXIBILITY: Insurance sales offer flexibility, whether you prefer small-town life or big-city living, a full-time career, or part-time work.
y RENEWALS: Get paid now for business you sold a year ago, two years ago, 10 years ago. As long as your customer’s policy stays in force, you earn renewal commissions year after year.
y STABILITY: People always need insurance protection.
yGROWTH: Grow your career to whatever level you choose.
y COMMUNITY INVOLVEMENT: Become active in your community and help grow your business.
WHO MAKES A GREAT AGENT?The most important qualities for an insurance Agent are good communication skills, honesty, integrity, compassion, and a solid work ethic … admirable skills for any profession. Many people enter the insurance industry with previous sales experience. But just as many new recruits have none. Sit in a room full of Agents and you find every type of occupation represented. Those in the hospitality industry, retail, paralegal, nursing, and teaching often are attracted to insurance sales because of the potential for greater earnings, the satisfaction of helping others, and the desire for more flexible hours.
Looking for that perfect wave? How about a perfect career instead … one that lets you help others and make fantastic money doing it?This is the perfect time to become an insurance Agent. Given the aging Agent population (see September Summit), the industry needs to attract more younger people. With a huge wave of new, Medicare-eligible Seniors coming ashore daily, more talented Agents are needed to bring them safely to dry land!
6 November 2012
$33,
840
$46,
770
$24,
370
QUICk FACTS: INSURANCE SALES AGENTS
2010 Median Pay $46,770 per year $22.48 per hour
Entry-Level Education High school diploma or equivalent
Work Experience in a Related Occupation None
On-the-job Training Moderate-term, on-the-job training
Number of Jobs, 2010 411,500
Job Outlook, 2010-20 22% (Faster than average)
Employment Change, 2010-20 90,200
Source: http://www.ibabc.org/index.php/careers-and-education/become-an-insurance-broker/a-great-career-choice.html; http://www.bls.gov/ooh/sales/insurance-sales-agents.htm#tab-1
WHAT’S IT TAKE?An Agent only needs to be licensed in the states in which he sells and doesn’t need a college degree or other long-term training. For the next several years, insurance sales is on track to be one of the biggest growth industries. ➡
INSURANCE SAlES AGENTS Median annual wages, May 2012
SHOW ME THE MONEY!Insurance Agents can earn good money (including that fantastic renewal commission), considerably higher than the median pay for all occupations and almost twice as much as for other sales and related occupations. With a median pay of $46,770 in 2010, half of all Agents earned less, but half earned more. The lowest 10 percent earned less than $25,940, and the top 10 percent earned more than $115,340.
No matter how you look at it, becoming an insurance Agent is the wave of the future!
Insurance Sales Agents
Total, All Occupations
Sales and Related
Occupations
November 2012 7
STEP ONE
STEP TWO
STEP THREE
STEP FOUR
STEP FIVE
Work hard at least nine hours e
very day.
Even with the luxury of settin
g your own
schedule, it’s s
till important to
work hard at least
nine hours every day. W
hether you’re out in the
field or making phone calls,
maintain a high level
of activity. Increasing activity is t
he key to
increasing production.
Be organized and efficient.
Whether you’re a new Agent or a veteran,
it’s important you remain organized and effic
ient.
New Agents have few customers a
nd a lot of free
time, w
hich you should use to prospect and find
customers. As your career grows and you develop
more customers, your fre
e time sta
rts to shrink.
With less available tim
e, veteran Agents m
ust be
really organized to service existing customers
and gain new ones.
Emphasize Introductory Offers.
Introductory Offers are a fantastic
opportunity
to generate leads. United American’s $
3,000
Accidental Death Policy (ADP), Child Safe Kit,
MedFacts Kit, a
nd Memorial Guide are simple tools
that can help increase activity, establish
rapport,
enhance production, and dramatically boost
your referrals.
Work through referred leads.
When you provide good service to someone, they
gladly refer you to friends and asso
ciates. Instead
of startin
g from scratch with str
angers, make good
use of your referrals.
Call them rig
ht away and
start building a relationship. It
shows you care and
are not too busy to take a personal in
terest.
Provide clients with unbelievable service.
Make sure your customers know you care
for them, even when they are not buying new
products. Showing you care leads to
additional
referrals, because they always sh
are their positiv
e
experiences with frie
nds, relatives, a
nd
business asso
ciates.
STEP UP TO SAlES SUCCESSARE yOU ExPERIENCING A DRy SPEll? WONDERING WHAT yOU CAN DO TO BOOST yOUR BUSINESS?
HERE ARE A FEW SUGGESTIONS TO INCREASE yOUR SAlES ACTIVITy.
Source: http://www.lifehealthpro.com/2012/07/01/4-habits-that-increase-life-insurance-sales-activi
8 November 2012
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Are you one of the nearly 175 million* active Facebook users in North America? United American and First United American have a Facebook presence and want you to be part of it. Consider Facebook a no cost recruiting tool. Social Media, like Facebook, can help you promote UA and First UA, recruit new talent, connect with other Agents, acknowledge excellence on your team, share your interests and successes, and create a positive environment for communication.
Visit UA/First UA on Facebook to see what all the commotion’s about. ‘Like’ us and post a positive comment about our Companies to let both potential recruits and customers know that United American and First United American are Companies with whom they’d want to work or do business.
Getting started is easy. If you don’t have a Facebook account, go to www.facebook.com to create one. The system will walk you through the step-by-step sign-up process. Facebook will send you a confirmation e-mail and walk you through developing your profile.
Once you have a Facebook profile, you’re ready to ‘Like’ and post on the UA/First UA site. Since UA and First UA are so closely connected, we have combined the two sites into one.
To follow United American and First United American, go to www.facebook.com/UnitedAmerican. Click ‘Like.’
Find us at: www.facebook.com/UnitedAmerican
Comment on existing posts on the official UA/First UA Facebook page or add one of your own, and click ‘Share’ to add to the UA/First UA timeline. ‘Sharing’ your success and positivity with others may inspire them too! Now THAT’S the UA and First UA spirit!
*Source: http://ansonalex.com/infographics/facebook-user-statistics-2012-infographic/
We Want YOU to Us on Facebook!
We Want YOU to Us on Facebook!
November 2012 9
10 November 2012
top producers ytd
PACESETTERS CLUB
PRESIDENT’S CLUB
6. DAvID K. DANIELS David K. Daniels & Associates
7. KERRy SAChS Secure Retirement Solutions, Inc.
8. MARK hELLER Heller Insurance Agency
9. PAUL SwEENEy Quality First Insurance Agency , Inc.
10. RoBERT M. wRoBLEwSKI SOS Insurance Group
11. ThoMAS G. STATKEwICz Sylvan-James Associates, Inc.
12. AMERICAN EAGLE CoNSULTANTS, INC.
13. MIKE STEvENS Farm & Ranch Healthcare, Inc.
14. JohN STAMPER Choice Plus Benefits
15. JohN STEvEN CARRAN
16. PhILIP B. oRTEz JR. Phil & Kathy Ortez Insurance Agency, Inc.
17. CENTURIoN AGENCy, LTD.
18. STUART ALAN Senior Care Insurance Center
19. JAMES A. SwEENEy American Senior Benefits
20. RIChARD D. SAKhARoff Security Benefits Group, Inc.
21. NAyEEM SIDDIqUE Siddique Insurance Agency
22. SCoTT E. MEDNICK Professional Insurance Systems of Florida
23. PETER S. GELBwAKS Gelbwaks Executive Marketing Corp.
24. RIChARD S. SChwARTz Insurance Center of South Florida
25. EARL D. DwoRKIN Dworkin Insurance Agency
26. ShAwN T. SChRoEDER Jack Schroeder & Associates, Inc.
27. JAMES f. SChULER Consumer Group Services, Inc.
28. MARC G. zUM ToBEL Consolidated Insurance Group, Inc.
29. JohN J. CoSTA Agent Services of America
30. ELAINE T. foRhMAN R & E Marketing Assoc, Inc.
6. KERRy SAChS
7. AARoN GoRDoN
8. ChRISToPhER N. GRAhAM
9. JULIA GILELS
10. RoGER A. GRADy JR.
11. vANDA v. wATSoN
12. EDwARD A CATRoN
13. CASEy v. PALMER
14. PhILIP B. oRTEz JR.
15. RIChARD D. SAKhARoff
16. fRED w. LEMAR JR.
17. vICToRIA A. MAJoR
18. STUART ALAN
19. CAThERINE E. hATToN
20. MATThEw BRowN
21. JohN w. STAMPER
22. MARTIN L. ShAw III
23. EARL D. DwoRKIN
24. JoNAThAN L. RUNNELS
25. ADAM D. PATTERSoN
26. KENNETh R. DELAUTER JR.
27. GARy S. KEMPLER
28. SCoTT A. RoPER
29. RoBERT hoLzMAN
30. PAUL RIChARD
Through october 2012, these top producing Agencies and Agents have the highest net combined annualized premium. They can qualify to attend the annual Convention based on Company production and retention requirements.
MIKE LEMAR Sunshine State Agency
RAy STEvENS
RoN CoNCKLIN Rosenberg-Concklin, Inc.
DEvIN M. BARTA
CAThERINE E. hATToN Long Island Insurance Solutions
JoN AhLBUM
RAy STEvENS Stevens & Associates Insurance Agency
MARK hELLER
JoN AhLBUM The Ahlbum Group
TIM AhLBUM
November 2012 11
top producers ytdLIfE hEALTh
GEN
ERA
L AG
ENTS
LIfE hEALTh
wRI
TIN
G A
GEN
TS
1. JoN AhLBUM The Ahlbum Group
2. MIKE LEMAR Sunshine State Agency
3. RoN CoNCKLIN Rosenberg-Concklin, Inc.
4. CAThERINE E. hATToN Long Island Insurance Solutions
5. RAy STEvENS Stevens & Associates Insurance Agency
6. DAvID K. DANIELS David K. Daniels & Associates
7. KERRy SAChS Secure Retirement Solutions, Inc.
8. MARK hELLER Heller Insurance Agency
9. PAUL SwEENEy Quality First Insurance Agency , Inc.
10. RoBERT M. wRoBLEwSKI SOS Insurance Group
11. ThoMAS G. STATKEwICz Sylvan-James Associates, Inc.
12. AMERICAN EAGLE CoNSULTANTS, INC.
13. JohN STAMPER Choice Plus Benefits
14. MIKE STEvENS Farm & Ranch Healthcare, Inc.
15. JohN STEvEN CARRAN
16. PhILIP B. oRTEz JR. Phil & Kathy Ortez Insurance Agency, Inc.
17. CENTURIoN AGENCy, LTD. 18. STUART ALAN
Senior Care Insurance Center19. JAMES A. SwEENEy
American Senior Benefits20. RIChARD D. SAKhARoff
Security Benefits Group, Inc. 21. NAyEEM SIDDIqUE
Siddique Insurance Agency 22. SCoTT E. MEDNICK
Professional Insurance Systems of Florida
23. PETER S. GELBwAKS Gelbwaks Executive Marketing Corp.
24. RIChARD S. SChwARTz Insurance Center of South Florida
25. EARL D. DwoRKIN Dworkin Insurance Agency
26. ShAwN T. SChRoEDER Jack Schroeder & Associates, Inc.
27. JAMES f. SChULER Consumer Group Services, Inc.
28. MARC G. zUM ToBEL Consolidated Insurance Group, Inc.
29. JohN J. CoSTA Agent Services of America
30. ELAINE T. foRhMAN R & E Marketing Assoc., Inc.
1. owEN E. METTS
2. GEoRGE A. wALLACE
3. vANDA v. wATSoN
4. TIMoThy STyER
5. ALExANDER C. hoDGES
6. MACK M. DANIELS
7. BoBBy L. CLANToN
8. BANTEE L. hALL
9. JohNNIE D. SNIDER
10. hERSChELL A. MCCoy
11. CARLToN R. hAwKINS SR.
12. RoBERT C LACKEy
13. KENNETh R. GEMPELER
14. RoBERT K. KEMPNER
15. TERESA S. MARoTTo
16. BLAINE G. KLoECKNER
17. JohN w. CRAvEN SR.
18. DoN P. BURNETT
19. wILLIAM R. CAMPBELL
20. hENRy LANE
21. BoBBy LEE BAKER
22. LEvy JohNSoN
23. MELvIN M. wILLIAMS
24. GINA DAvIS-LLoyD
25. NAGIB f. KhALLoUf
26. PhILLIP SEIDEMAN
27. JESSE E. BRowN
28. ShARoN N. LEwIS
29. TITUS L. wILLIAMS
30. DoUGLAS A. GEoRGE
1. TIM AhLBUM
2. RAy STEvENS
3. DEvIN M. BARTA
4. JoN AhLBUM
5. MARK hELLER
6. KERRy SAChS
7. AARoN GoRDoN
8. ChRISToPhER N. GRAhAM
9. JULIA GILELS
10. RoGER A. GRADy JR.
11. EDwARD A. CATRoN
12. vANDA v. wATSoN
13. CASEy v. PALMER
14. PhILIP B. oRTEz JR.
15. RIChARD D. SAKhARoff
16. fRED w. LEMAR JR.
17. vICToRIA A. MAJoR
18. STUART ALAN
19. CAThERINE E. hATToN
20. MATThEw BRowN
21. JohN w. STAMPER
22. MARTIN L. ShAw III
23. EARL D. DwoRKIN
24. JoNAThAN L. RUNNELS
25. ADAM D. PATTERSoN
26. KENNETh R. DELAUTER JR.
27. GARy S. KEMPLER
28. SCoTT A. RoPER
29. RoBERT hoLzMAN
30. PAUL RIChARD
1. MIKE STEvENS Farm & Ranch Healthcare, Inc.
2. owEN E. METTS Metts Insurance Agency
3. GEoRGE A. wALLACE Wallace Insurance Agency
4. DAvID K. DANIELS David K. Daniels & Associates
5. ALExANDER C. hoDGES Hodges Insurance Agency
6. MACK M. DANIELS Daniels Insurance Agency
7. BANTEE L. hALL Hall Insurance Agency
8. JohNNIE D. SNIDER Snider Insurance Agency
9. hERSChELL A. MCCoy McCoy Insurance Agency
10. KENNETh R. GEMPELER Gempeler Insurance Agency
11. RoBERT K. KEMPNER Kempner Insurance Agency
12. TERESA S. MARoTTo Marotto Insurance Agency
13. BLAINE G. KLoECKNER Kloeckner Insurance Associates
14. JohN w. hARRINGToN Harrington Insurance Agency
15. JoN AhLBUM The Ahlbum Group
16. DoN P. BURNETT Burnett Insurance Agency
17. hENRy LANE Lane Insurance Agency
18. BoBBy L. BAKER Baker Insurance Agency
19. LEvy JohNSoN Johnson Insurance Agency
20. MELvIN M. wILLIAMS Williams Insurance Agency
21. GINA DAvIS-LLoyD Financial Choices, Inc.
22. MIKE LEMAR Sunshine State Agency
23. NAGIB f. KhALLoUf Trans Capital Financial & Insurance Services
24. JESSE E. BRowN Brown Insurance Agency
25. ShARoN N. LEwIS Lewis Insurance Agency
26. TITUS L. wILLIAMS Williams Insurance Agency
27. DoUGLAS A. GEoRGE George Insurance Agency
28. JAMES D. BRowN Brown Insurance Agency
29. MARK A. BRSAN Brsan Insurance Agency
30. ThEoDoRE w. MARSICo Marsico Insurance Agency
JUNE 18-21, 2013www.torchmarkconvention.com
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