Volume 22, Issue 52 - Farm and Ranch Healthcare, IncDec 24, 2018 · Volume 22, Issue 52 2. Jackie Beatty TX $ 2,141 3. Mark Simpkins OH $ 1,294 4. Jose Cervantes TX $ 361 In God

Volume 22, Issue 52

Volume 22, Issue 52

2. Jackie Beatty TX $ 2,141

3. Mark Simpkins OH $ 1,294

4. Jose Cervantes TX $ 361

In God We Trust

December 24, 2018 Volume 22, Issue 52

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

Life A.V. Health A.V.

John Mills TX $ 10,431 Mark Simpkins OH $ 15,269

Important Notice regarding the F&R Bulletin: The F&R Weekly is published by Farm & Ranch Healthcare, Inc. for

the dissemination of information to its Agents. It is not intended to be used as advertising material. Permission must be

obtained from Farm & Ranch Healthcare, Inc. for reproduction or other use of material herein. This weekly bulletin is

intended for distribution to the independent professional sales associates affiliated by contract with Farm & Ranch

Healthcare, Inc. It is not intended nor authorized to be used as a sales tool and its contents are not to be shared by any

means with anyone not currently contracted with Farm & Ranch Healthcare, Inc.- Thank you. CA License#:CAOC01351

2. Jana Shetler MO $ 9,686

3. John Mills TX $ 9,406

4. Kayla Heinitz AR $ 4,051

5. Tim Styer TN $ 2,893

6. Shanna Wetzstein ID $ 2,690

7. Michele Mitchell IN $ 1,273

8. Greg Fallin TX $ 1,099

9. Jackie Beatty TX $ 707

10. Chris Neff IL $ 564

Top 10 Year To Date F&R Life Producers

1. John Mills TX

2. Mike Sosso TX

3. Mark Simpkins OH

4. Greg Fallin TX

5. Michelle Hilgendorf TX

6. Russell Lavender FL

7. Tim Styer TN

8. Phil Seideman TX

9. Chris Simpkins OH

10. Jerry Evins

Volume 22, Issue 52

Farm & Ranch Healthcare, Inc.

Carrier Products Sold Weekly A.V. / Top Producer

Signature Term Life ART 10, 15, 20 or 30

Strategy Health

Strategy Whole Life—1

$ 821.00

John Mills TX

Not intended to be used as a sales tool or advertising materials.

Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Foundation Health

Hospital Expense Protection—4

STM GI

STM—25

AME—Plan Enhancer—4

TRIOMED AME/CI

Life / Critical Illness—5

Cancer / Heart / Stroke—2

Accident—7

Indemnity Dental—

PPO Dental—4

Term Life

$ 41,150.00 Health

$ 10,904.00 Life

John Mills TX

$ 0.00

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

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

Final Expense-WL

Life Insurance

Child Whole Life—5 Living Promise—1 Term Life Answers Term Life Express—2 GUL GUL Express Guarantee Advantage—2 IUL

Income Advantage Protection Advantage

Med Sup—4

PDP

Critical Advantage—2

Dental Dental Preferred Dental Protect

Disability Income Priority Income Disability Income Choice

Long Term Care

Mutual Care Solution

Annuities

Bonus Flex Ann. Ultra-Secure Single Prem Ann.

$ 6,483.00 Health $ 2,502.00 Life

Tim Styer TN

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

Silver Membership

$ 1,435.20 4 New Members

MyTelemedicine

$5000 (Guaranteed Converti-ble) Group Life Insurance

Deep Dental Savings

Emergency Roadside Assit.

RX Savings

See disclosure on page 7

Volume 22, Issue 52

No Winner

Not Insurance

Agent Commission Bonus

Jackie Beatty $ 100 $ 100

Bobby Clanton $ 100 $ 100

John Mills $ 100 $ 100

Mark Simpkins $ 100 $ 100



Greg Fallin $ 100

Jana Shetler $ 200

No Winner

No Winner

Volume 22, Issue 52

Bonus Rules:

Bonus will not be paid for products written on Family Members,

Yourself or any other F&R Agent and/or Manager.

Bonus is subject to charge backs if lapsed, declined or cancelled

by the Ins Company and/or the Policyholder within the first 90

days.

No Bonus applicable to internal replacement applications and re-

submitted applications (previously submitted) will be paid only if

the original bonus has been charged back. Multiple submissions

will be determined on a case by case basis.

All Agents / Managers must maintain an acceptable Net to Gross

Ratio in order to qualify for Bonus.

Bonus & Commission is not paid on Trial Applications until

policies are placed & premium received.

Heartland conversion applications count toward bonus

qualifications.

Heartland Commissions will be charged back on all Heartland

Memberships lapsed or cancelled within the first year.

Only applications that are submitted on Bank Draft Mode qualify

for Bonus Program

One bonus payable per application

Medicare Supplement Guaranteed Issue business for reasons

other than “aging in” do not qualify for bonus.

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

(PLUS $100 Commission) $200 Total

Life & Accidental Death E-APP Bonus

Write any MOO or UA Life or Acc Death E-APP or a paper app on any MOO

IUL ,GULE, GUL (Min. $60 monthly premium) and receive . . .

Medicare Supplement E-App

Write a Mutual of Omaha or United American E-App

(Plans F, G or N) excluding High Deductible Plan F (HDF)

Mutual of Omaha Critical Advantage E-App Bonus

Write a Mutual of Omaha Critical Advantage E-App

(Min $100 monthly premium) and receive . . .

Mutual of Omaha Long Term Care E-App Bonus

Write a Mutual of Omaha Long Term Care E-App

and receive...

Effective 12/17/18 Turn-In (Bonuses subject to change)



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

Volume 22, Issue 52

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

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

Mutual of Omaha Living Promise - Final Expense

Available up to $40,000** Face - Issue Ages 45-85*

Mutual of Omaha Guarantee Universal Life Express Available $25,000 up to $ 250,000** Face - Issue Ages 18- 65*

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

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

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

FULLY UNDERWRITTEN

Mutual of Omaha Term Life Answers Available $100,000 up to $65,000,000** Face - Ages 18– 80*

Mutual of Omaha Guaranteed Universal Life (GUL ) Available up to $100,000 up to $65,000,000** Face - Ages 0-85*

Mutual of Omaha Income Advantage Indexed UL

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

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

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

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

on insurability.

Silver Membership

MyTelemedicine $5000 Group Life Insurance Deep Dental Savings RX Savings Vision Savings MAS Benefits And many more!

$29.90 Monthly Family Membership $29.90 Enrollment Fee

Less Than a Dollar A Day!

Not Insurance

National General Foundation Health Plan

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

NGIC Short Term Medical Plan with a guaranteed

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

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

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

Mutual of Omaha

Dental plans Issue Ages 19-99

Critical Advantage-Critical Illness Plan Issue Ages 18- 65 ...18-89 Cancer-Heart/Stroke

Disability Income Plans-Issue Ages 18- 61(Most Plans)

Accident - Short- Term- Long Term- Business Expense

Long Term Care– Mutual Care Solutions Issue Ages 30-79

United American Cash Benefit Cancer Plan- Issue Ages 0- 69 Pays maximum benefit amount in cash as listed in the policy schedule up to $50,000

UA250—Accident plan—Issue Ages 0- 63

HealthGuard (CIL) Issue Ages 18-64

critical illness protection which pays a lump sum benefit directly to the policyholder up to $50,000 .

National General

Hospital Expense Protection-Issue Ages 18-64

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

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

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

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

Lump sum benefit rider for Cancer Heart and Stroke.

Optional Sickness Hospitalization rider Lump Sum Benefit

upon admission to the hospital max varies by state.

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

Dental Indemnity

3 levels of affordable coverage to choose from:

BASIC - INTERMEDIATE - PLUS In most states, apply for coverage through age 70 and renew up to age 75.(Apply through age 64 and renew up to age 70

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

See disclosure on page 7



Volume 22, Issue 52

“Our mission is to assist American Families Nationwide in their efforts to provide AFFORDABLE, dependable solutions to their

Life, Accidental Death, Medicare Supplement and Supplemental Health needs - And the amazing life saving programs members receive

from Heartland Alliance of America Telemedicine."

Notice: Always use complete approved company materials when making presentations, or distributing to your clients & prospective clients

Guaranteed Issue Products An easy way to clear all debts and leave a legacy for future generations

No Underwriting—NO Health Questions—NO Occupational Questions

Heartland Silver Membership Plan (This is not Insurance)*See full disclosure on page 7

Mutual of Omaha—Accidental Death Plan United American—No first year Premium—Accidental death

NHIC—Short Term Medical

Mutual of Omaha or United American Medicare Supplement plans when:

Open Enrollment—To be eligible for open enrollment, an applicant must be at least 64 ½ years of age (in most states) and be within six months of his/her enrollment in Medicare Part B. Applicants covered under Medicare Part B prior to age 65 are eligible for a six-month open enrollment period upon reaching age 65 Applicant joined a Medicare Advantage Plan (like an HMO or PPO) or programs of All-inclusive Care for the Elderly (PACE) when they were first eligible for Medicare Part A at 65, and within the first year of joining, they decide they want to switch to traditional Medicare.

Applicant dropped a Medigap policy to join a Medicare Advantage Plan (or to switch to a Medicare SELECT policy) for the first time, they have been in the plan less than a year, and want to switch back Applicant’s Medigap insurance company goes bankrupt and they lose coverage, or the Medigap policy coverage otherwise ends through no fault of t heir own. Applicant leaves a Medicare Advantage Plan or drop a Medigap policy because the company hasn’t followed the rules, or they were misled. Applicant coming off a group plan



Reminder: With the growing amount of

online submission of business the Applicant Data Turn-In Sheet becomes

increasingly important in tracking your business, assisting in servicing your clients, assigning your lead credits, awarding your

bonus credits and most importantly… making sure you get paid.

In our efforts at Farm and Ranch to help support you in your success. Please remember

to send Farm and Ranch a Data Turn-In Sheet with each Client you sell

Online applications and paper applications . Keep a copy for your files.

Help us help you! The weekly New Business Cycle runs from Wednesday thru Tuesday

Weekly New Business Cycle ends at 5PM CST New Business Deadlines and checks mailed date may vary due to Holiday Schedules

Volume 22, Issue 52

Not Insurance

Heartland Commission $100

PLUS $100 BONUS!

$200 Per App!!! Disclosure: THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not

meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. This is not a Medicare proscription drug plan. The range of discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for all services but will received a discount from the participation providers. The list of participation providers is at www.heartlandamerica.org. A written list of participating providers is available upon request. Discount Plan Organization and Administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 7534; phone 800-441-0380. Marketed by Farm & Ranch Healthcare, Inc. 25901 Riverglen Dr., Fort Worth, TX 76109; phone 800-633-6508. 30-day Member satisfaction guaranteed—or full refund!



5 Elite Leads for every

Heartland application!!!

Many of your clients will be able to find details on the Heartland website…

http://heartlandamerica.org .. Members -”Log In” tab . If your Heartland clients need to talk to someone recommend they first call Farm and Ranch’s Home office… 800-633-6508 ext 109 ... or you the agent

to ensure the receive quality service.

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

the MyTelemedicine and Roadside Assistance programs!

DON'T WAIT 'TILL IT IS TOO LATE!

Heartland Membership a Great Christmas Gift!

MyTelemedicine—the convenience of a physician 24-7 Absolutely FREE!

$5000 Group Term Life Insurance on Primary Member* Effective 1-01-2019... Ages 18-70; 180

day waiting period; Guaranteed convertible at age 70 …. (See Next Page)

Emergency Roadside Assistance-the first $50 is FREE!

Huge Dental Savings-Careington Dental

MAS Benefits… My Association Saving Benefits

provides members with exclusive perks and over $4,500 in savings on everything from pizza and the zoo, to movie tickets, oil changes, hotels, and car rentals! (See Next Page) And many more great programs!

http://heartlandamerica.org

Volume 22, Issue 52

How many times were your client’s too old to take advantage ?

Group Life Coverage …

EXTENDED to AGE 70 !!!

Effective 1-01-2019

Primary members receive GUARANTEED

Issue, GUARANTEED convertible Group Life

coverage! The Silver Membership Level

includes $5,000 Group Life benefit for the

primary member. Death Benefit payable

after 180 days of HAA membership waiting

period. This group benefit is GUARANTEED

convertible to an individual plan within 30

days after the member’s 70th birthday!

Which means, ONCE AGAIN, members DO NOT have to qualify!! Go Back ...Enroll them and...

Start their waiting period today!



Not Insurance

JOIN THE MY ASSOCIATION SAVING BENEFITS PERKS PROGRAM! My Association Saving Benefits provides members with exclusive perks and over $4,500 in savings on everything from pizza and the zoo, to movie tickets, oil changes, hotels, and car rentals! Popular Features Include:

Nearby Offers: Use our show & save mobile

coupons to quickly access savings on the go.

eTickets On Demand: Save up to 40% with no

hidden fees.

Show times: Find movies, watch trailers, and

save up to 40% at a theater near you.

Monthly Giveaways: Win cash, movie tickets,

electronics and more with our monthly contests.

And, with over 102,000 available discounts

across 10,000 cities in the United States and Canada, you'll never be far from savings!

REGISTER & LOG IN https://masb.abenity.com/login use code: masb

Show your clients how the can save dollars on their every day expenses. Remember these are in addition to the huge savings we seen with MyTelemedicine, Careington, Emergency Roadside Assistance and the other Heartland Programs

Volume 22, Issue 52

Christmas Holiday, the Home Office will be closed Monday December 24th and

Tuesday December 25th.

New business cut-off will be Friday December 21st

at 5:00 p.m.



New Years Holiday, the Home Office will be closed Tuesday, January 1st ,2019.

New business cut-off will be Monday December 31st

at 5:00 p.m.

Reminder: With the growing amount of

online submission of business the Applicant Data Turn-In Sheet becomes increasingly important in tracking your business, assisting in servicing your clients, assigning your lead credits, awarding your bonus credits and most importantly…

making sure you get paid. (SEE PAGE 6) You can also find a fillable Applicant Data Turn-In Sheet at www.farhc.com Under F & R Forms…

Also there is example and instructions on completion.

http://www.farhc.com

Volume 22, Issue 52

It is that time of year …what should I give for Christmas !!!

In our world’s current environment and today's economy folks are looking to get the best value for their hard earned dollars. Choosing the right gift often leaves folks pondering…

What greater gift can you give your loved ones than security?

In the season of gift giving, think about this... Give the gift of a Heartland Membership…Fit all budgets and needs!

Silver Membership Level for less than a $1 a day...Your loved ones will receive programs like a $5,000 Guaranteed Group Life, MyTelemedicine, Careington Dental , MAS Benefits savings and many more services and cost savings from the Heartland membership programs for the entire year.

Women with children have full-time jobs as mothers… if your gone they require an income to hold that job. The most valuable gift a father can leave his children is their Mother’s time and attention.

Life Insurance is the greatest expression of a person’s love for their family… the sincerest love

letter ever written. With this plan, all of these benefits are our obligation. Without it, they are your obligation.

Indexed Universal Life! What better Gift can you give your family than protecting your family’s financial

well-being, Accumulating cash to supplement retirement income, and with tax-advantaged access to emergency

cash needs.

You can provide a gift that can last a lifetime – something you will always be remembered

for. If you’re like most grandparents, you’ve probably bought them a gift or two, right? What you probably

found is that what they don’t break, eat, or spend, they outgrow right? Children’s Whole Life or IUL!

Of course you will take care of parents, you love them. A gift of Long Term Care coverage makes it affordable for kids to fulfill their promises to take of their parents with the best professional care.

How will your family handle the expense of a devastating Critical Illness like Cancer, Heart Attack or Stroke? With a small monthly investment you can give them the gift of security. Critical Illness plans!

Remember Life insurance isn’t something you get for yourself. Life Insurance is something you give to the ones

you love! Often times folks think about saving a little “nest egg” to give the folks or organizations the they hold

close to their hearts...Remind these folks that ...

“a savings account will leave what they saved but life insurance will leave what they meant to save. You can create

an estate with the stroke of a pen with a purchase of life insurance.”

They may want to leave a legacy for someone or that special organization:

The list goes on and on for folks special interests. During the holiday season folks are thinking about friends, family, and all their loved ones. This year you have more options and you can give folks the gift of “No First

Year Premium” Accidental Death Policy.

Make sure you give your folks every opportunity to give the gift of insurance !!!

Their Church

Grandchildren

Their Favorite Charity

A Favorite Event

Alma Mater (University)

Scholarship Fund



Volume 22, Issue 52

PRODUCTS AND SERVICES FOR INDIVIDUALS, FAMILIES AND SMALL BUSINESSES Life Insurance

Protect your family from the financial risk associated with death or build cash value to help achieve your financial

goals.

Medicare Supplement Insurance Reduce out-of-pocket health care expenses with competitively priced products

that work well with Medicare plans.

Supplemental Health Insurance Protection from life’s unforeseen events through critical illness*, accidental death,

cancer insurance and Dental Insurance

Long-Term Care Insurance Preserve assets and receive quality care with coverage for home health care, assisted

living facilities and nursing homes. Annuities Accumulate savings and assets or convert into guaranteed income

payments for retirement.

Income Protection Insurance Protect your most valuable asset – your income – with short-term, long-term and

accident disability insurance.

*Remember the positive changes to Critical Advantage this year…

20 % Lower rates Additional conditions and Underwriting changes...more people qualify! Go back and give people the updated opportunity!

Strong. Stable. Secure. Mutual of Omaha Insurance Company is a mutual company, owned by and operated for our policyholders. That places our focus solely on the long-term needs of our customers, not the short-term demands of the stock market.

Through good times and bad, you can have confidence in Mutual of Omaha.



Volume 22, Issue 52



The Life Product Review has awarded the WYSIWYG Award to

both of our IUL products – Income Advantage and Life Protection

Advantage. This is an award that Mutual of Omaha is honored to

receive, as it aligns with our IUL philosophy.

In the industry, IUL products have become extremely complex. We

encourage you to ask yourself ‘Are these complex products really what

is best for my clients?’

At Mutual of Omaha, we believe there is value in having straightforward IUL products where clients have

upside potential and downside protection without all the complexity that you will find in many products on

the market today. We do not design our products with bonuses and multipliers in order to illustrate higher

non-guaranteed values, and we are proud of that.

Bottom line – we want to help ensure the IUL policy you sell your clients today is also a policy that you will

be proud to have sold your clients 20 or 30 years from now, when they need it most.

Read the full article to learn more about The Life Product Review’s criteria for the WYSIWYG award and

why having a WYSIWYG product matters.*

Read the WYSIWYG Award Article → https://lifeproductreview.com/2018/12/05/2018-indexed-ul-wysiwyg-award-winners/

_________________________________________________________

The Life Product Review, founded by industry expert Bobby Samuelson, provides independent, objective reviews and analysis of Indexed UL products. A subscription is a must-have resource for anyone who wants to truly understand what is going on in the IUL industry.

Visit The Life Product Review → https://lifeproductreview.com/

*This article is part of The Life Product Review’s content that is available to

the general public. It is being redistributed with the express permission of

Bobby Samuelson, founder and executive editor of The Life Product Review.

Did You Hear the News?

https://lifeproductreview.com/2018/12/05/2018-indexed-ul-wysiwyg-award-winners/

https://lifeproductreview.com/2018/12/05/2018-indexed-ul-wysiwyg-award-winners/

https://lifeproductreview.com/statement-of-independence/

https://lifeproductreview.com/

https://lifeproductreview.com/

Volume 22, Issue 52



Need Product Info Fast? Go to the New SPA Learning Center!

What to do when you have need to know? It's easy to find what you're looking for in the Sales Professional Access Learning Center. And, you can filter by product education, sales ideas and competitive information. Take a look for yourself. Sale Professional Access website Sales Professionals Access Account at : www.mutualofomaha.com/broker

Training Brainsharks and Sales Ideas Flyers Competitive Comparisons on IUL

Volume 22, Issue 52



Due to a “perfect storm” of rising health care premiums and increases in treatment costs, many of your clients will be looking for a solution to help fill the

gap between coverage and out-of-pocket expenses. And as the nation ages, the chances of clients suffering from

These are highlights of the available plans and for agent use. Plan availability, limitations, and exclusions may apply and vary by state due to state specific requirements.

Your state approved forms and materials are available to view/download on SPA in the Forms and Materials section and application books can be ordered through normal channels. Sale Professional Access website SPAccess at www.mutualofomaha.com/broker

THE NEED Nearly everyone knows someone who has been affected by cancer or heart disease. Unfortunately, many believe that their health care coverage is adequate to cover all the expenses associated with these conditions. As costs and deductibles rise, clients are feeling the pinch more and more.

CANCER Nearly 1.7 million new cases of cancer will be diagnosed in 2016 and with medical advances, more and more people survive this disease. Between 1975 – 2013, the five-year survival rate for cancer increased nearly 20 percent.

HEART DISE ASE Heart disease remains one of the most prevalent afflictions in the U.S. affecting 27.6 million Americans. About half of Americans have at least one of the three key risk factors in heart disease: high blood pressure, high cholesterol and smoking.

COSTS

Health care coverage deductibles have increased 67 percent since 2010

Between 2009 – 2013 out-of-pocket costs for health grew 6.5 percent

The average annual cost of treatment for cancer patients rose 19 percent to $58,097 in 2014

WHO TO PROSPECT

Clients in need of high deductible filler

Small business owners

Age 50+

SOLUTION

Cancer & Heart Attack/Stroke

policies fit in well with other products

and protect income for a variety of

expenses

The Critical Advantage

Portfolio offers a number of flexible benefits and options.

Issue Ages

18-64 Critical Illness, (18-54 Term)

18-89, Cancer-Heart and Stroke18-54 (Term)

Coverage Options: Lifetime or Term (10, 15, 20 or 30 years)

Individual, Single Parent, Family

Face Amounts: $10,000 to $100,000

Critical Illness with ROP Intensive Care Rider $250, $500, $750 or $1,000 per day! for a maximum of 30 days during any period of confinement

Cash Value Rider

Simplified or Express Underwriting

Express Underwriting

for policies $50,000 and under

Yes/No knock-out questions

Simplified Underwriting

for policies $51,000 and above

Yes/No knock-out questions

Addition of MIB, Pharmacy

inquiry and random telephone

interview

Discuss options for covering out-of-

pocket expenses: savings, assets or

insurance coverage.

With advances in medical

treatment, people are surviving

cancer and heart disease more

frequently. Additionally, as we

get older, the likelihood of

experiencing one of the covered

conditions increases

Critical Advantage℠ …

New States added to the rate Decrease! Rates for all products in the Critical Advantage℠ portfolio will be decreased by 20%.

All the products still have all the benefits... just lower rates.

http://www.mutualofomaha.com/broker

Volume 22, Issue 52

Choose From Three Ways to Qualify It takes hard work to become a Mutual Sales Leader. But the reward is spectacular. Earn a trip to Cap Cana based on

the type of business you place with Mutual of Omaha.

The Secret to Your Success Becoming a Mutual Sales Leader means doing the right thing for your customers each

and every day. It also means attending a celebration of sales excellence where you’ll meet your Mutual of Omaha partners, receive recognition for your efforts and network

with other sales leaders. Every detail is included…from airfare, luxury hotel accommodations and meals to sightseeing tours and leisure activities…all to thank you

for your commitment to your customers and for the business you place with us.



Nestled on its eastern shore of the Dominican Republic is one of the

Caribbean’s best kept secrets. Pristine beaches, romantic waterfalls, tropical flora and amazing geological formations combine with luxury

hotels, signature golf courses and world-class spas to make Cap Cana a vacation paradise. Who knew?

It’s not your typical all-inclusive resort. Secrets Cap Cana Resort & Spa is a

sophisticated, adults-only hideaway in the exclusive gated community of Cap Cana. At Secrets, you’ll relax in luxury and enjoy stunning views of

the Caribbean. You’ll also be treated to Secrets’ famed Unlimited Luxury® experience. Visit the Secrets Cap Cana Website:

http://www.secretsresorts.com/en_us/resorts/dominican-republic/cap-cana.html

See Next Page

http://www.secretsresorts.com/en_us/resorts/dominican-republic/cap-cana.html

Volume 22, Issue 52

ELIGIBILITY

You are eligible to earn the Mutual Sales Leaders trip to

Dominican Republic based on the business you place with Mutual of Omaha as a Brokerage Producer (personal production only; individuals or agencies may not qualify based on business placed by down-line producers)

QUALIFICATION PERIOD

January 1 through December 31, 2018 (business must be net

issued between January 1, 2018, and December 31, 2018)

All issued policies must be placed and premium collected and

received by Mutual of Omaha by January 14, 2019

Mutual of Omaha will make a determination after January 18,

2019 on who qualifies for the Mutual Sales Leaders trip to Dominican Republic

2018 Mutual Sales Leaders DOMINICAN REPUBLIC 2019 –Qualifications



Medicare Supplement and Dental/Vision Products

PRODUCTION REQUIREMENT

225,000 production credits are

required to qualify for the trip

You earn production credits based on

your net-issued business, which is measured in Annualized New Business Premium (ANBP)

Medicare supplement internal conversions/replacements and affiliate conversions/replacements will receive .5 credit up to a maximum of 50,000 production credits

\

Simplified Health

PRODUCTION CREDIT REQUIREMENTS

Minimum 150,000 combined credits

from Medicare Supplement, Simplified Life, Dental/Vision and Simplified Health with a minimum 75,000 credits coming from Simplified Health are required to qualify for the trip

Top 5 producers (with most total qualifying credits) earn an invite

You earn production credits based on

your net-issued business, which is measured in Annualized New Business Premium (ANBP):

Medicare supplement internal

conversions/replacements and affiliate conversions/replacements will receive .5 credit up to a maximum of 50,000 production credits

Companion Life Insurance Company

business is excluded PERSISTENCY AND PLACEMENT •Mutual of Omaha reserves the right to withhold the invitation should persistency or placement fall below the following: 13-month Persistency – 70% – Placement – 70%

Simplified Issue Life Products

PRODUCTION REQUIREMENT

80,000 Simplified Issue Life

production credits are required to qualify for the trip and a minimum of 20 issued policies

Companion Life business is excluded

Top 60 producers earn an invite

PRODUCTION CREDITS You earn production credits based on your net-issued Simplified Issue Life business, which is measured in Annualized New Business Premium (ANBP)

PERSISTENCY AND PLACEMENT Mutual of Omaha reserves the right to withhold the invitation should the persistency or placement fall below the following: – 13-month Persistency – 70% – Placement – 70%

You can track your numbers on SPA Under

Mutual Sales Leaders … Currently the numbers are

showing for 2017 Ireland trip

Standings for the 2019 trip to Dominican Republic will begin

posting in March

Three Ways to Qualify

https://producer.mutualofomaha.com/enterprise/myportal/home/sales-and-marketing/rewards/mutual-sales-leaders/!ut/p/a1/jY_BDoIwDIafhSdYB2xwnQW3IYgHUdjFcCIkih6Mz28lxgSjaG9tvq9_yxyrmRvaW9-11_48tMdH7-ShMDFyE0IWC5GCKmyZotryMuAENATAl1Iw-qiVCaMcQKMf0XBlsqUGDik8_Rngr

Volume 22, Issue 52

Cash Benefit Cancer Plan...Issue ages 0-69.

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

HealthGuard (CILS)… Issue ages 18-64.

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

ProCare® Medicare Supplement Plans... featuring the High Deductible Plan F (HDF). The HDF is a Medicare Supplement Plan F policy that provides all the features and benefits of a standard Plan F, but at a substantially lower premium. The difference is a calendar-year deductible. The amount of the calendar-year deductible for 2018, is $2,240. (Set by the federal government) Why does an HDF policy make great sense? U A’s Company statistics show the majority of their Plan F policyholders have annual claims well below the current deductible amount of $2,240. In fact, Company statistics show that 80% of policyholders ages 65-67 had annual claims averaging $524. If your clients anticipate few claims or small claims, an HDF policy may be the right choice!

After all, why pay premiums for claims they may never have?

10-Year-UL10-20 Renewable Term

Issue ages: 0-60

10-Year Term to Annual Renewable Term (ART)-UL10-20

Issue ages: 20-70

20-Year Term to Annual Renewable Term (ART)

UL10-20 Issue ages: 20-60

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

Fundamental Life Series II offers Term Life options from $25,000 to $500,000.

Terminal Illness Accelerated Benefit Rider (ABR1) automatically included, at no cost

Final Expense Whole Life Final Expense Whole Life Insurance with Individual, Graded Benefit (Sub-standard), and Level Benefit (Sub-standard) coverage from $1,000 to $25,000. Permanent lifetime coverage that accumulates cash and loan value. Terminal Illness Accelerated Benefit Rider (ABR1) automatically included, at no cost

Juvenile Whole Life Juvenile Whole Life Insurance with Individual coverage from $1,000 to $25,000. Permanent lifetime coverage that accu-mulates cash and loan value. Terminal Illness Accelerated Benefit Rider (ABR1) automatically included, at no cost

(where state approved).(Not Available in: Montana and Washington)

Reserve Fund Annuity...A flexible premium deferred annuity

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

UA-250 Accident Compensation Plan ...Issue ages 0-63. Guaranteed Renewable for Life!

Pays cash benefits for accidental injury. Choose from a lump sum payment of up to $10,000 per accident or a hospital

cash benefit of up to $6,250. Also includes an Accidental Death Benefit which pays $10,000 instead of all other benefits

(or $10,000 minus any previously paid benefit) to chosen beneficiary.



Volume 22, Issue 52



Have you checked the United American Agent Page? https://unitedamerican.com/logon/

Now you have access to UA General Agency Office”. The UA Agent website through the UAOnline portal! Use this website to keep up-to-date with the latest products, training, advertising materials. Access to e-applications. (E-app requires UA certification training)

Order United American Supplies from UAOnline

Note: The Shipping address will default to the Farm and Ranch Home Office. You will need to change the shipping address to your to your preferred shipping address each time your order supplies.

No Guessing... you receive a confirmation e-mail after each supply order submission.

https://unitedamerican.com/logon/

Volume 22, Issue 52



Join United American at Caesars Palace in Fabulous Las Vegas,

Nevada June 18-21, 2019. Staying on the Las Vegas Strip in the

center of the action is a fabulous reason to attend

the Convention 2019!

Convention Qualifications for 2019

There are two ways to qualify for Convention 2019: By meeting production qualifications or by issuing 100 or more non-disability ProCare Medicare Supplement insurance plans as personal production during the 2018 convention qualification period.

Have you checked the video on your United American Agent Page? https://unitedamerican.com/logon/

*Agents contracting after February 1, 2018 will be on a prorated basis, reducing

the qualification period by one or more months, depending on their contract date.

As a result, the amount of required production also is reduced. Example: contract

in February and the Writing Agent life/health requirement is 11 months or $137,500

of combined NAIP; $12,500 combined NAIP monthly average. Example: contract in

March and the Writing Agent life/health requirement is 10 months or $125,000 of

combined NAIP; $12,500 combined NAIP monthly average. Minimum NAIP for a

Writing Agent who contracts in July is six months or $75,000 combined NAIP.

Agents must be contracted and produce at a six-month minimum production level

to be eligible for Convention.

https://unitedamerican.com/logon/

Volume 22, Issue 52

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

National General Foundation Health… Fixed-Benefit Indemnity Plan offers predictable and affordable access to health

care...An permanent alternative option for health care insurance.

NGIC Short Term Medical Product with a guaranteed issue option – both available with the Aetna Open Choice PPO Network

Term Medical insurance It provides the financial protection you need from unexpected medical bills and other health care expenses. Effective 10-2-18 STM Term Changes Check state specific details.

NGIC Supplemental portfolio:

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

These benefits pay on top of any other coverage you may have Has no network restrictions. HEP pays you directly — use the cash benefits in any way you need. Multiple plan designs, including options with benefits for doctor visits and laboratory costs

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

Accident Fixed-Benefit

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

Plan Enhancer/Accident Medical Expense

Maximum benefit $2,000 - $10,000 per accident-Deductible per accident ...$250

Covered accidents per calendar year…No limit

Optional rider for Cancer Heart and Stroke. Lump sum benefit for first ever Cancer diagnosis and covered Heart Attack

or stroke. Pays regardless of other coverage.

Optional Sickness Hospitalization rider Lump Sum Benefit paid on first covered day of hospital admission…

Sickness Hospitalization rider not available with $7,500 and $10,000 benefit levels. Some states Sickness Rider $ 7900 benefit available. Check state specific details.

Term Life / Critical Illness-AL, AR,AZ,CO,GA,DC,FL,IL, IA, ID, ME, MI, MO, MS,NC, ND, NE,

NM, OK, SC, SD, TN,TX, WI, WV and WY

Protection for Critical Illness and Term Life coverage in one plan Upon a qualifying illness, you receive a critical illness

benefit; they choose how to use the money! The benefits are paid directly to the client or beneficiary!!!

Critical Illness — 10 year Term Life Benefit $25,000, $30,000, $50,000, $75,000 and $100,000

15 Covered Conditions on C.I Benefit ( Note:4 conditions have partial benefits)

Issue ages 18-60 (Check state specific details.)

Life —Term Life AK, IN, KY, LA, MD, NH, NV, OR, UT, and VA

10 year Term Life Benefit -Benefit options: $25,000, $30,000, $50,000, $75,000 and $100,000

Issue ages-18-64

Cancer, Heart, Stroke

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

Simple-Pays a lump-sum cash benefit for life-threatening cancer and heart attack or stroke

Use the money however you wish — to seek treatment, replace lost income or pay household bills

Dental Indemnity

Supplemental Coverage plan that pays your client cash for dental both preventive care and treatment.

3 levels of affordable coverage to choose from: BASIC - INTERMEDIATE - PLUS

In most states, apply for coverage through age 70 and renew up to age 75. (Apply through age 64 and renew up to age 70 in CO, MA, MD, NC, NJ, OH, OR, SD and UT.)

Dental PPO Products

3 levels of affordable coverage to choose from: Essentials - Essentials Plus - Enhanced

Careington Maximum Care Dental Network

Issue Ages 18 to age 74 ( thru 74) Renewable to age 85

Pricing bands 18 to 65 ( compared to most competitors age 64) and then 66+

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

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



Volume 22, Issue 52



Where to find information on National General Accident and Health... This is the National General-Informational Site National General has a tool for agents to use. Product forms and details can be found at:

https://ngah-ngic.com/agent.php

You can download supplies, brochures and access the Product Guide and State availability.

Remember National General is all Electronic ...Brochures ...Quoting and Applications! Using National General’s quoting and submission from your personalized “Quotit “ Tool Quote and enroll page. Watch this video tutorial “New NatGen Coverage Builder Tutorial” at www.farhc.com

Insurance Professionals– (Password: f&rsales) - Carrier Forms and Resources -National General

https://ngah-ngic.com/agent.php

http://www.farhc.com

Volume 22, Issue 52



ALL DETAILS OF THIS DOCUMENT ARE SUBJECT TO CHANGE.

For agent use only. Not to be distributed to consumers. National General Accident & Health markets products underwritten by Time Insurance Company, National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation. National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation have all been rated as “A-” (Excellent) by A.M. Best.

NGAH-STMSTATEDETAILS (Rev. 12/07/2018) © 2018 National General Insurance. All rights reserved.

Volume 22, Issue 52



National General Product State Availability Chart State:

1 Cancer and Heart/Stroke rider not available; 2 Sickness Hospitalization rider not available; 3 Underwriting company

varies by state; 4 STM coinsurance max out-of-pocket amount $5,000 – effective 10/3/2018; 5 No riders available; For agent use only. Not to be distributed to consumers. National General Accident & Health markets products underwritten by Time Insurance Company,

National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation. National Health Insurance Company, Integon

National Insurance Company, and Integon Indemnity Corporation have all been rated as “A-” (Excellent) by A.M. Best.

Volume 22, Issue 52

Voice Leads

Voice Leads are available by

Telephone area code using various scripts on different

products:

Life( Final Expense)

Mortgage Protection (Life)

Medicare Supplement

“SELL EM SUMPTHIN”

Get ‘em the information...Get ‘em the updates…

Just get an appointment to have a "Conversation” ... Opportunity to make income!!!

You determine with the client what they need when you get there. Everything prior to that is just setting up the opportunity to talk.

Then it’s your job to “sell sumpthin”. Most folks have “gaps” in their insurance coverage. Our job is to show how one of our products will fill those “gaps”. That’s how we make money!!!

If you believe in your product portfolio selling “ sumpthin” is easy! You just have to be there!!!



Work a Lead with Focus!!! Agents tell us that they are unable to meet with a client because the client has _ . A number of things could be

inserted here:

Our Question is…WHAT DOES IT MATTER??? Do they have a Heartland with access to Telemedicine?

Do they have a Cash Cancer that pays even if the Cancer is

NOT life threatening? Do they have an Accidental Death Plan that pays up to ONE

MILLION DOLLARS?

DO THEY HAVE A FRIEND WHO YOU CAN HELP?

The MOST IMPORTANT QUESTION IS…DO THEY HAVE A

POLICY FROM YOU?

REMEMBER...THE INSURANCE BUYING DECISION IS AN

EMOTIONAL DECISION!

EVERY LEAD YOU RECEIVE IS An opportunity to tell your story to a

NEW prospect.

Creating multiple “conversations” opportunities from every lead is a

“must do” for success. There are various ways to do this, the easiest

is referrals! If you ask every time you’ll receive referrals!

LEADS ARE FOR CLOSERS!

They have CANCER

They have Obamacare

They have “All the Life

Insurance they can afford“

They have Blue Cross

They have “A Medicare

Advantage“

Remember, the purpose of ALL leads is to give the agent an

opportunity to do “Fact Finding”. This helps insure that each

client is given an opportunity to try to determine which plan

or plans will best suite their family.

Referrals—Referrals—Referrals!! The key to success is that

you receive at least 5 referrals at each appointment!

If you receive leads from the

ADI Telemarketing the script

they are using now is:

Hello Mr / Mrs .................. This is .............

calling you today for Red Steagall and our dear

friends at the Heartland ... Today I have

excellent news , GUARANTEED ISSUE GROUP

LIFE INSURANCE HAS RECENTLY BEEN

EXTENDED TO COVER ALL PRINCIPLE

MEMBERS UP TO AGE 70 and Its

GUARANTEED CONVERTIBLE ! So you may

never have to worry about your Life Insurance

needs again FOR THE REST OF YOUR LIFE!

YOU CANNOT BE TURNED DOWN and Rates

will never go up !!

Your Area Heartland Representative (Agents

Name) will be in your area in the near future

sharing information about the many Life Saving

benefits that Heartland Members enjoy.

Please expect his / her call ...Just tell em Old

Red sent ya !!

Thank You and God Bless

Volume 22, Issue 52

Effective (12/17/18 Turn-In)

IMPORTANT REMINDER

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

We must maintain a minimum of 1 insurance sale

for every 10 leads closing(10%) ratio on the

F & R Elite Leads

And/or 2% on Select Leads distributed.

This closing ratio is calculated by total

year –to–date Elite leads received &

“SOLD” commissionable applications

received for 2018.

ATTENTION !!!!

GET YOUR LEAD CREDIT FOR YOUR

SOLD LEADS !

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

It is very important you

receive credit for

EVERY SOLD LEAD!

Because we identify a SOLD

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

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

This number can be entered in the Work/Alternate phone

number space. If for some

reason this is not possible

PLEASE EMAIL Marty!

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

1 Elite Lead per $1,000 A.V.

(Short Term Medical A.V. Does Not Qualify)

Life Insurance Premium earns double credit for lead

qualification. i.e. $1,000 of Life AV gets you 2 leads!

5 Elite Lead per Heartland sale!

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

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

Minimum $1,000 AV to qualify

Max 20 Elite Leads

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

Remember: Additional Select Leads available upon request!



Documents

Volume 22, Issue 52 - Farm and Ranch Healthcare, IncDec 24, 2018 · Volume 22, Issue 52 2. Jackie Beatty TX $ 2,141 3. Mark Simpkins OH $ 1,294 4. Jose Cervantes TX $ 361 In God