The news and ideas magazine for the Independent Agents of United American and First United American Life Insurance Companies

August 2014

Director of MarketingChristie Gibson

EditorsRoberta Boyd King Christine Perrenot

Social Media & SEO SupervisorGina Circelli

Graphic DesignerJohn Begg

Emaileditor@torchmarkcorp.com to update information for Summit or to submit news for the Editor’s page.

Home Office First UA972-529-5085 315-451-2544

Agent Service Center 800-925-7355 or email agencyservice@torchmarkcorp.com

Supply Order Fax469-525-4290 attn: agency supply

Supply Order Emailagentsupply@torchmarkcorp.com

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.

ATTN: UA AGENTSThe UA Medicare Supplement ProCare Brainshark training has been updated for 2014. The training has been shortened and is a great training resource. Access the Brainshark training module on the UA General Agency Office website. Click ‘Training’ and ‘Learn More’ under Brainshark Training’.

Please contact Agency Service at 1-800-925-7355 or email agencyservice@torchmarkcorp.com with questions.

ATTN: FIRST UA AGENTSAs previously communicated, First United American is pleased to offer new and existing First UA Medicare Supplement policyholders “Automatic Claims Filing”(ACF®) free of charge.

ACF can help First UA policyholders avoid the hassle and inconvenience of having to locate and file their Medicare Supplement Part B claims. Instead, Part B claims are automatically transmitted electronically by Medicare to First UA.

New insurance cards indicating an ACF effective date are being sent to existing First UA Medicare Supplement policyholders. Please contact the Home Office at 315-451-2544 with questions.

ATTN: OHIO AGENTSAs of June 30, 2014, an insurance producer’s initial appointment fee and appointment renewal fee for Ohio is reduced to $15. If you have questions, please contact the Ohio Department of Insurance at 614-644-2665 or visit the state’s website at www.insurance.ohio.gov.

KUDOS TO OUR DIRECTORS AND TRAINERS“Thank you, again, Bob (Kempner). I just wrote another e-App today over the phone on the lead you sent me. It is a monthly premium of $217 for Plan F in Washington, NC. That’s a seven-hour drive I didn’t have to make. The e-App has recently saved me more than 10 hours of driving time, and I sold all F Plans due to United American’s reputation. That’s a total premium of $7,080 for the Home Office. Thanks, again.”

~Agent Darrell Collins Greensboro, NC

“Jonathan (Vall), wow, thank you for the great news. I’m really enjoying the working relationship with UA and look forward to more opportunities to present the excellent products that UA has to offer.”

~Agent Ron Edwards (on learning he qualified for 1,000 free direct lead mailers)

“Rick (Andriola), thank you for the informative webinar this morning. Having these types of training tools will be instrumental to my success, I am sure. I am new to Medicare Supplements and annuities, so I will attend those trainings as well. Thank you for all the Agent support. It’s superlative!”

~Agent Bonnie Hale

“Hello, Gary (Owen), just a note to let you know I closed two Med-Supp cases for UA. Your effort is not wasted. Thanks so much.”

~Agent Walter Howard, CLU, ChFC

ARE YOU COVERED?The Errors and Omissions Insurance Plan administered by MGA Insurance Services is designed to help protect Agents against claims arising from the sale and servicing of insurance products. Basic coverage is under $40 a month. Is it worth it? Agent Mark Heller thinks so …”Thank you so much for bringing to our attention the MGA Insurance Services E & O coverage. I purchased this coverage … equal to the coverage I had before … and cut my premium by 50 percent. Thank you so much, Chuck Mankamyer, for making this E & O offer available to UA and First UA Agents.” Apply on the Agent websites at ‘Errors & Omissions Insurance Available from MGA http://mga-eo.com/uaic.’

AND THE WINNERS ARE …Congratulations to Curtis Fuchs and Jason Stevens, who are the June and July winners of the Garmin GPS.

INTEREST RATES SETThe Lifestyle Annuity rate for August 2014 is 3.00 percent. Rates are reviewed and adjusted accordingly. The Deposit Fund Rider new business interest rate for 2014 is 3.00 percent.

2 August 2014 LET THE GOOD TIMES ROLL!

Curtis Fuchs Jason Stevens

Do you think I’m referring to the Convention in NOLA? I am, because the New Orleans Convention was wonderful as you see on the following pages. The Convention was an affirmation of all that’s great about the Agents of United American and First United American. But I’m also referring to the future of UA and First UA, and what you can look forward to in the months and years ahead … continued growth, quality products, and outstanding Home Office support.

Tell a StoryYou’re heading into the Medicare Annual Enrollment Period (AEP), and that is always an exciting and productive time. You know how important it is for prospects to purchase a quality Medicare Supplement from UA or First UA, but how do you help them realize it? Stories are one of the best ways to make your point with prospects and customers, because everyone loves a good story. The trick is to tie in the story to the value of Medicare Supplements. If you don’t have a real-life story to tell based on customer experiences, use the ‘What if ’ approach with your prospect. Set up a scenario involving a third party. Be creative and say something that demonstrates why a Medicare Supplement is so important. For example, you could tell your prospect about a hypothetical Senior who has a heart attack and ends up in the hospital for several days. Explain

Medicare will pay 80 percent of the approved charges, but that the Senior will be responsible for the additional 20 percent, plus any applicable deductibles, copayments, or coinsurance. Help the prospect understand a Medicare Supplement will pick up where Medicare leaves off to help pay the remaining 20 percent and the other additional charges I mentioned. It’s simple and straightforward, and it makes the point.

Two Important ReasonsWith the Medicare Annual Enrollment Period coming up in less than two months, it’s not too early to get your game face on and put your strategy in place. You’ll be working with Medicare Advantage members and those who may be considering a Medicare Advantage plan. I’ve mentioned this before, but it’s worth repeating. The two most important reasons your prospect should consider a Medicare Supplement is its guaranteed renewability (as long as premiums are paid on time) and its lack of network restrictions. Your customer’s coverage cannot be canceled or benefits reduced due to aging or declining health. The insurance company won’t terminate its contract with Medicare and Medicare won’t terminate its contract with the insurance company, because there are no contracts. There also are no networks or restrictions with Medicare Supplements. As

long as a doctor, hospital, or other medical facility accepts Medicare, those facilities also accept a Medicare Supplement.

Guaranteed renewability may not seem terribly important to young, healthy Seniors, unless they’ve seen their parents or grandparents struggle with health issues and the resulting expenses. But most Seniors realize as they get older their health may deteriorate. It's important to purchase a guaranteed renewable Medicare Supplement policy while they're still young, healthy Seniors. It means when they're 80 with more serious health concerns, they'll never need to worry about having their coverge canceled. They'll already have a quality Medicare Supplement in place.

Think Long TermEncourage your Senior prospects to think long term. When they choose medical insurance, it should be coverage they plan to live with for many years. Offer them a plan that has stability built right into it. Once your prospect purchases a Medicare Supplement from United American or First United American, it can be his for as long as he lives. It’s quality coverage with a quality Company at a quality price. It just makes sense.

Have a busy and productive AEP, because I want to see you in Boca Raton in 2015. Get those sunglasses ready … the beach is waiting!

Good Times ...

LET THE GOOD TIMES ROLL! August 2014 3

Charles Mankamyer Senior Vice President / General Agents

WELCOME TO Believe … Achieve … Succeed!UNITED AMERICANAaker, Mark S.Aaron, Thomas M.Abdnor, Darryl D.Abernathy, James E.Aguilera, Edgar F.Aguilera, Francisco D.Aina, OlumuyiwaAkhund, Anees A.Akselrod, AsnataAlcinor, PatrickAleman, Zoraida L.Alexander, RonaldAltmann, Vernon W.Alvarez Caveda, OlgaAndrus, Stephen M.Antwi-Barfi, Frank Q.Arriola, MauelAtkinson, JudyAwad, MohammedAyob, Salim O.Bai, Thomas T.Baker, Jerry W.Baker, KennethBalwierz, Paul E.Banks, MervBarbose-Carpenter, DeborahBarkdull, Lance O.Barnett, Garrett S.Bartell, WesleyBasmajian, Brendan A.Bauer, Kathryn M.Baver, HaroldBaxter, Barbara E.Bayer, AlanBecherer, David W.Becker, StephenBell, JeffBianchi, TonyBirgy, SergioBlentlinger, MichaelBones, Catherine A.Book, Rachel A.Braunwalder, JuanitaBroderick, AngelinaBrooks-Keller, Francenia Brown, AllenBrown, Carl A.Brown, Daniel S.Brown, Martie G.Brown, Pamela B.Brown, WaldronBrownlee, EdwardBruce, John W.Bryant, Robert A.Brzezinski, Kenneth L.Buffin, MargaretBurnett, Edna C.Burrell, ScottButts, David J.Byas, PauletteCaccamise, Dori A.Campbell, Joseph C.Campisi, Medora B.Carpenter, Gregory A.Carter, DavidCastillo, Vincent Jr.Catania, Peter B.Cen, Shelly X.Cerra, James D.Chalmers, Larry A.Chaney, MarquettaChapman, Ricky D.Chen, AinaChicas, Noel J.Chien, Peter C.

Chitwood, Kathryn E.Choppie, Carmin W.Christiansen, Cory J.Chung, JosephClancy, John T.Clements, David L.Cline, Ronald A.Cobb, RobertColella, JamesColeman-Thomas, Kimberly M.Colwell, Leslye H.Copeland, Christopher L.Courtney, Palice J.Coy, Frank G.Craig, TeresaCrawford, Harold J.Crawford, Michael C.Croft, PamelaCrook, Sandra K.Crotts, Zachary S.Cuevas, MariaCuspinera Davila, AmberCutter, NancyD’Agostin, EdwardDalbey, Brad L.Davis, Harold R.Davis, StellaDe Gracia, ShanidaDe La Cruz, Jesus M.Dejesus, AbelynDelay, Dale A.Delikyan, SonaDelisca, JeansoDibisceglie, Darrin J.Dickey, DaphneyDiehl, JamesDisabato, James J.Dixie, Melinda W.Duarte, David F.Dubose-Bryant, Mary A.Duffin, JackDufour, Ernest D.Dugas, Angelique F.Eady, Mark L.Eden, William J.Edmond, DavidEgan, George A.Eigen, SherriEls, Rosemary A.Ezenweani, Ignatius K.Feigenbaum, StephenFeinberg, MyronFerguson, Martin R.Fernandez, SergioFernandez-Salvador, Antonio R.Feulner, LanaFighera, Ralph Jr.Flores, AaronFortier, Lee J.Francis, Sylvia L.Fricke, Jeffrey B.Frost, Robert G.Fulgham, Anita M.Gaines, KevinGarcia, CarlotaGardner, Martin L.Garfinkle, DavidGarvey & Associates, Inc.Gathitu, AnthonyGeibig, Dina D.Geraldine S. Regan Associates, Inc.Ghoman, Bhupinder S.Gibbs-Lawrence, Wilma C.Gillman, Paul T.Gilmer, Wilber J.

Gittler, Brian T.Gooch, JoelGooden, Michael D.Gordon, Stephen A.Gray, Brian P.Gray, StanleyGreen, Jaime R.Green, MarcusGreen, Terry L.Greenstein, BruceGrossman, Phillip J.Guillory, LorettaGurley, Dennis E.Gustman, Stephen T.Hairston & Associates InsuranceHale, JeremiahHall, CarlusHall, Rick D.Hammond, Fredrick G.Hansen, TroyHardy, CammieHarkins, William H.Harris, Thomas J. Jr.Harts, Donald E.Hebdon, Spence F.Herbst, Robert E.Hermiller, Mark A.Hoffa, WilliamHolland, Sandra H.Holst, AlanHonaker, Edwina S.Hoo Fatt, Irvin W.Horning, William G.Howell, John F.Hsu, Karen M.Hughes, ChristineHulme, David L.Hunt, Sarah B.Imbuelten, EricIsenberg, Anne S.Ivany, StephanieJackson, Bobby G.Jefferson, CraigJefferson, ShirleyJohnsen, DaleJohnson, HenryJohnson, Roy B.Jones, Angelica C.Kamerasevic, JasminaKara, Nooruddin B.Karchinski, Francis L.Kehl, KevinKelly, Richard F.Kennedy, James R.Keregha, StanleyKhullar, PardeepKing, LorettaKingsford, Lura A.Kipp, David N.Kite, Debra L.Kitover, BartKlayman, Martin H.Klopfer, RobertKnight, Herbert D.Koiman, IgalKolb, WarrenKorpi-Schneider, Darleen M.Kronaizl, Ann T.Kubal, MatthewLabelle, JohnLadd, BillLaidlaw, JohnLalas, Michael Z.Larin, Michael A.Lauderdale, Kenneth W.

Lavu, Rana P.Lawal, LooqmanLee, AeriLee-Wheatley, Monique S.Leibowitz, AshleyLeos, BrendaLeyva, Raul V.Licon, Robert A.Lieberg, Craig R.Lindgren, Robert G.Litchfield, George C.Lopez, Odalis M.Love, Arnold H.Lowe, Sherri R.Lucas, Manon M.Lumpkin, Mary H.Lundy, Willie J.Machuca, ManuelMacklem, Martha H.Mahan, David H.Malone, PamMalone, Timothy B.Manges, Donna M.Manzie, Alan M.Marks, Roger N.Martin, William P. Jr.Martin, Devon J.Marx, DavidMaurer, Gene A.McClure, Charles W.McDonald, Kyle S.Mead, MarkMedina, Cezar D.Mendenhall, Catherina M.Mercurio, RobertMerfeld, Pamela A.Meyer, Charles A.Meyer, Bob J.Meyer, Tammy B.Mikul, PhilipMink, Sonia O.Mirabella, MattMix, PamelaMoehrke, Thomas R.Monaghan, KevinMonteagudo, Bryan J.Moon, Ronald D.Mooney, Robin A.Moore, Beth A.Morales, Stephen J.Morlock, Kimberly A.Morris, LillianMuhammad, Toni A.Munger, Gary C.Natale, RoseNeal, James W.Niemi, AlanNovak, John H. Jr.O’Briant, Jerry J.O’Bryan, Cheryl L.Olivas, PatrickOlson, Trenton M.Ortega, TomPalla, Susan E.Palma, Kenny T.Palmer, Janice A.Palmer, Wayne T.Palumbo, Susan L.Papilli, GenevievePapilli, JuliaPark, MikyungPattni, Vrajlal D.Pautauros, Michael P.Pavlicek, KayPayant, Thomas A.Pedersen, JohnnyPeoples, Debra A.Peraino, Catherine A.Perez, AngelPerkins, William R. Jr.

Perkins, MauraPerkins, Susan M.Pesce, GeraldinePhillips, Steven M.Phillips, Stuart A.Pine, Lori J.Pintavalle, Peggy A.Pires, Charles M.Porath, James V.Porterfield, Stephen R.Potenzieri, VitoPotes, CharlottePowell, Samuel E.Presley, Ray P.Pulley, WalterQuinlan, Linda M.Randle, DavidRandolph, Duane R.Reinwald, Daniel J.Rekas, FranklinRemillong, Sharon E.Rial, Karen M.Richards, JoeRichman, Warren E.Rivadeneira, FranciscoRobert L. May & Associates, Inc.Robinson, MarcellRock, Larry J.Roniet, MarkRosado, JoseRosenfeld, Charles R.Rosenfelder, Vicki K.Rotondo, JessicaRouse, AntonietaRyan, DarrylSabeti-Colahy, EbrahimSabotka, BarbaraSainvil, AstenieSanchez, KarenSanders, KarlScali, Terrence M.Scarbrough, Ernest W.Schaefer, Kurt L.Schoen, Stephen J.Schuebel, Mark S.Seders, JeffreySeeger, Stacy M.Serafini, Mark A.Seropian, AlexanderSexton, Frank M.Shah, Haresh H.Sharples, KeithShaw, TimSheahan, Robert D.Shear, Yvonne W.Sherrow, FrankShockley, RonshellSiebol, BruceSilfen, HowardSilhavey, Robert E.Sloman, TakemaSmith, Christopher P.Smith, Frank W.Smith, Fred Riley.Smith, Patricia D.Smith, Robert F.Smith, Sheldon S.Smith, Stewart J.Smith, Thomas M.Solis, David E. Jr.Solomon-Masters, Sheryl M.Spahr, , James R. Sr.Spears, DebraSpringer, Jason M.Steele, Linda S.Steen, James T.Stibbens, Kelly P.Stokes, Wallace E. IIIStone, Beverly J.Stroud, Christina J.

Strube, Steven R.Stueck, TerrySturm, Brian C.Stypula, Daniel J.Swisstack, JeffreySzabo, George L.Tardugno, Steve J.Taylor, AlejandroTehranchi, NaderThakar, Munna B.Thornock, ScottThornton, Robert G.Tichy, Jon E.Tito, ThomasTomihama, EdwinTompkins, NoraToothman, David E.Tran, GloriaTran, Jean C.Trimble, James A.Tucker, GlennTunis, Susan V.Tupper, Donna E.Turner, MitchelolTurner, Roxanne M.Ung, GaryUpton, Robert R. Jr.Uttinger, Janet L.Valdez, Jose R.Van Rikxoord, RichardVeit, Rita M.Verock, Stephen A.Victor, KendallWaechter, James F.Wallace, Paula Q.Wareheim, James E.Webb, DanWeinstrom, JeromeWemimo, MichaelWest, John K.Wheeler, DeloisWheelock, William D.White, Anne R.Wiginton, Phillip E.Williams, Laura F.Williams, Richard C.Williams, Roderic M.Willner, Jerry R.Wilson, Sharonda D.Wilson, Timothy S.Wilson, VancineWinter, StephenWright, MatthewWright, StevenYoung, Michael C.Youngblood, Phillip L.Zettler, Mark S.Zimmerman, Robert J.

FIRST UNITED AMERICANAtlas, StevenCerruti, CarlCochran, BarbaraCotie, DavidDeLuca, RoccoDickstein, JeremyDonnellan, ChristopherGhoman, Bhupinder S.Guerra, LuisMolina, EdgarRutigliano, PhilipStephenson, Quentin R.Vicari, Geraldine

4 August 2014 LET THE GOOD TIMES ROLL!

successTheSwee� Soun� of

2013 UA/First UA Eagles Club!

Tim did it again too! Tim Ahlbum is the

#1 Production Agent for the fourth year in a row! Tim produced $453,693 in

net annualized premium, with 96.4 percent net to

gross. He has represented United American since 2003

and keeps getting better with each passing year.

They did it again! The Ahlbum Group is the #1 Production Agency for the fourth year in a row!

Jon and his team produced $2.2 million in total net annualized premium,

with 96.8 percent net to gross. Jon has represented

United American since 1996 and has consistently

been a top producer.

For decades, The Roosevelt New Orleans has attracted big names from all walks of life … musicians, gourmet chefs, Hollywood celebrities ...people with star power. UA and

First UA brought its own brand of star power to this historic property — an amazing group of Convention Qualifiers!

The Eagles Club sets the Company standards for field performance. Its members are leaders in production, retention, recruiting, management development, and growth of in-force premium.

From left: Robert Wroblewski of SOS Insurance Group; Scott Mednick of Professional Insurance Systems of Florida; William Borosak Jr. of Secure Future Financial Group, LLC; Devin Barta of The Ahlbum Group; Tim Ahlbum of The Ahlbum Group, UA/First UA President and CEO Vern Herbel, UA/First UA Senior Vice President/General Agents Chuck Mankamyer, Ray Stevens of

Stevens & Associates Insurance Agency, Inc.; Mike Lemar of Sunshine State Agency, Catherine Hatton of Long Island Insurance Solutions, Ron Concklin of

Rosenberg-Concklin, Inc.; Jon Ahlbum of The Ahlbum Group.

Nicknamed Satchmo or Pops, Louis Armstrong was a world-

famous, American jazz trumpeter and singer from New Orleans.

Bill Borosak and Rob Wroblewski burst with pride showing off their Eagle rings.

Ferdinand Joseph LaMothe, known professionally as Jelly Roll Morton, was a New Orleans ragtime and early jazz pianist and considered

himself the ‘inventor of jazz’.

Congratulations to the Celebrities of UA and First UA!

LET THE GOOD TIMES ROLL! August 2014 5

With net annualized premium in 2013 of $350,000 or more, these General Agents qualified for the President’s Club and for Convention.

Congratulations to our top producing GAs on a terrific year!

President’s Club

Jon Ahlbum The Ahlbum Group

#1 Mike Lemar Sunshine State Agency

#2

Ron Concklin Rosenberg-Concklin, Inc.

#6Catherine Hatton Long Island

Insurance Solutions

#5

William Borosak Jr. Secure Future

Financial Group, LLC

#3

Scott Mednick Professional Insurance

Systems of Florida

#7

Ray Stevens Stevens & Associates

Insurance Agency, Inc.

#4

Devin Barta The Ahlbum Group

#8

Tim Ahlbum The Ahlbum Group

#9 Robert Wroblewski SOS Insurance Group

#10

#11 Josh Slowik Professional Insurance Systems of Florida

#12 Edward Catron Sunshine State Agency

#13 Paul Sweeney Quality First Insurance Agency, Inc.

#14 Kerry Sachs Secure Retirement Solutions, Inc.

#15 Adam Wasmund Jack Schroeder & Assoc., Inc.

#16 John Stamper Choice Plus Benefits

#17 Christopher Graham, CLU American Life & Health Group, Inc.

#18 Paul Sheldon Paul Sheldon Insurance & Benefits Planning

#19 Mark Heller Heller Insurance Agency

#20 Fred Ulayyet Senior Care Insurance Services, Inc.

#21 Stephen Maisto Senior Health Care Solutions

#22 Scott Schwartz Insurance Protection Services

A native of New Orleans, Fats Domino is an American rhythm and blues and rock and roll pianist and singer-songwriter. Domino released five gold records before 1955.

6 August 2014 LET THE GOOD TIMES ROLL!

With net annualized premium in 2013 of $150,000 or more, these Writing Agents qualified for the Pacesetters Club and for Convention. What an outstanding year for this talented group!

Pacesetters CLUB

Tim Ahlbum The Ahlbum Group

#1 Ray Stevens Stevens & Associates

Insurance Agency, Inc.

#2

Jon Ahlbum The Ahlbum Group

#6Paul Sheldon Paul Sheldon Insurance

& Benefits Planning

#5

Kerry Sachs Secure Retirement

Solutions, Inc.

#3

John Stamper Choice Plus Benefits

#7

Mark Heller Heller Insurance Agency

#9

Devin Barta The Ahlbum Group

#4

Edward Catron Sunshine State Agency

#8

Fred Ulayyet Senior Care

Insurance Services, Inc.

#10

Sources: http://therooseveltneworleans.com/history.html; http://www.neworleansonline.com/neworleans/cuisine/chefs/; https://www.google.com/?gws_rd=ssl#q=Musicians+of+New+Orleans&safe=active

#11 Robert Holzman American Life & Health Group, Inc.

#12 Aaron Gordon American Life & Health Group, Inc.

#13 Christopher Graham, CLU American Life & Health Group, Inc.

#14 Gary Kempler Futurity First Insurance Group

#15 Stephen Maisto Senior Health Care Solutions

#16 Scott Schwartz Insurance Protection Services

#17 Philip B. Ortez Jr. Phil & Kathy Ortez Insurance Agency, Inc.

#18 Robert Tantillo Quality First Insurance Agency, Inc.

#19 Julia Gilels American Life & Health Group, Inc.

#20 William Tamiso Southeastern Insurance Agency

Chef Paul Prudhomme's NOLA restaurant, K-Paul's Louisiana Kitchen, is a favorite of connoisseurs throughout the world.

LET THE GOOD TIMES ROLL! August 2014 7

QQ2

Agencies & Agents#1#2#3#4#5

Quality of business matters! Large quantity production is of little value unless it’s backed by quality.

These Agencies and Agents have both! Congratulations to our top Q2 Quality of Business Award winners!

Jon Ahlbum The Ahlbum Group $2,241,829 NAP 96.8% Net to gross

Mike Lemar Sunshine State Agency $1,550,371 NAP 94.4% Net to gross

William Borosak Jr. Secure Future Financial Group, LLC$923,207 NAP97.8% Net to gross

Ray Stevens Stevens & Associates Insurance Agency, Inc. $768,980 NAP 96.5% Net to gross

Catherine Hatton Long Island Insurance Solutions $680,968 NAP 98.9% Net to gross

Tim Ahlbum The Ahlbum Group $453,693 NAP 96.4% Net to gross

Ray Stevens Stevens & Associates Insurance Agency, Inc. $346,458 NAP 100% Net to gross

Kerry Sachs Secure Retirement Solutions, Inc. $254,707 NAP 96.9% Net to gross

Devin Barta The Ahlbum Group $247,811 NAP 98% Net to gross

Paul Sheldon Paul Sheldon Insurance & Benefits Planning $244,356 NAP 99.7% Net to gross

Jon and guest Donna Ahlbum Tim and guest Alissa Ahlbum

Mike and guest Jaime Lemar Ray and guest Sandy Stevens

Bill and guest Bernadette Borosak Kerry and guest Teresa Sachs

Ray and guest Sandy Stevens Devin and guest Angelic Carrasquillo

Catherine with Vern and Chuck Paul and guest Nesi Sheldon

Emeril Lagasse runs three fabulous restaurants in New Orleans and stars in two cooking shows.

Born in New Orleans in 1967, Harry Connick Jr., is a singer, musician

and actor and has sold more than 28 million albums worldwide.

8 August 2014 LET THE GOOD TIMES ROLL!

Make Cancer and Critical Illness Sales

THE JEWEL in Your 3rd Quarter Production

Everyone knows the devastating effects a cancer or critical illness diagnosis can bring. Some of you have personally experienced it or watched friends and relatives deal with it. What’s the bottom line? The importance of selling cancer and critical

illness coverage cannot be overstated, because the need for it is overwhelming.

CONTEST RULESContest period is July 1, 2014, to Sept. 30, 2014Applications must be written and issued during

the contest period to qualify toward rewards.

WHO QUALIFIES?All appointed United American and

First United American Agents

PEARL LEVEL Generate $1,001 – $2,500 NAIP

Earn a $50 Amazon gift card

SAPPHIRE LEVELGenerate $2,501 – $4,500 NAIP Earn a $150 Amazon gift card

RUBY LEVEL Generate $4,501 – $6,500 NAIP Earn a $250 Amazon gift card

EMERALD LEVEL Generate $6,501 – $9,999 NAIP Earn a $350 Amazon gift card

Agents receive a FREE ‘Cancer Sucks’ wrist band and

cancer pin at all production levels.

DIAMOND LEVEL Generate $10,000 + NAIP

Earn a $500 Amazon gift card

During the UA/First UA 3rd Quarter Incentive, sell the following policies to earn rewards:

UA Cancer Policy (CAGR) UA Cancer Expense Coverage (CAXC, CIXC) UA Cash Benefit Cancer (CANLS-2, CANLS, CANB) UA HealthGuard (CILS)

First UA Cash Benefit Cancer (NYCANLS-2)

Earn Rewards and Show Your Support!!Just as some precious gems are more valuable than others, the larger

your cancer and critical illness production, the bigger your reward!

SAPPHIRE LEVELGenerate $2,501 – $4,500

Earn a $150 Amazon gift card

LET THE GOOD TIMES ROLL! August 2014 9

#2

#2

#3

#3

#4

#4

#5

#5

#1

#1

PACESETTERS CLUB

PRESIDENT'S CLUBThrough July 2014, these top producing Agencies and

Agents have the highest net combined annualized premium. They qualify to attend the annual Convention based on

Company production and retention requirements.

10 August 2014 LET THE GOOD TIMES ROLL!

1. MIKE STEVENS Farm & Ranch Healthcare, Inc.

2. DONALD K. SALTIS Saltis Insurance Agency

3. NEAL STACY Stacy Insurance Agency

4. RONALD C. WOODLIEF Woodlief Insurance Agency

5. CHARLES A. LOPER JR. Loper Insurance Agency

6. ENSURITY GROUP, INC.

7. FRANCES D. SALETT Salett Insurance Agency

8. EDWARD A. MAXFIELD Maxfield Insurance Agency

9. JON AHLBUM The Ahlbum Group

10. JOSEPH MAISONET Maisonet Insurance Agency

11. MARCUS KABORE Kabore Insurance Agency

12. ORAN W. YOUNG Young Insurance Agency

13. LOREN A. OLGUIN Olguin Insurance Agency

14. MICHAEL E. SMITH Smith Insurance Agency

15. GREGORY A. LOERZEL Loerzel Insurance Agency

16. AMERICAN EAGLE CONSULTANTS, INC.

17. WILLIAM P. SCARCELLA Scarcella Insurance Agency

18. JOHN W. HARRINGTON Harrington Insurance Agency

19. DAVID K. DANIELS David K. Daniels & Associates, Inc.

20. SAMUEL A. DUNCAN Duncan Insurance Agency

21. LIONEL D. STOCKWELL Stockwell Insurance Agency

22. ROBERT M. WROBLEWSKI SOS Insurance Group

23. GEORGE L. MORTENSEN Mortensen Insurance Agency

24. MACK M. DANIELS Daniels Insurance Agency

25. HERSCHELL A. MCCOY McCoy Insurance Agency

26. JESSE E. BROWN Brown Insurance Agency

27. JOHN W. CLARK Senior Solutions Insurance Agency

28. MIKE LEMAR Sunshine State Agency

29. MARTHA E. RANDALL Randall Insurance Agency

30. BENEFIT PLANS OF AMERICA, INC.

1. MARK A. SIMPKINS

2. RICHARD L. KRETSCHMAN

3. EDWARD T. CODY

4. RONALD C. WOODLIEF

5. LEE A. MCGRIGGS

6. DORA SOLIS

7. FRANCES D. SALETT

8. CICERO MORRIS

9. WILLIAM E. CRAIGHEAD

10. MARCUS KABORE

11. ORAN W. YOUNG

12. JOSEPH MAISONET

13. LOREN A. OLGUIN

14. ROBERT C. LACKEY

15. MICHAEL E. SMITH

16. ROBERT R. PARKER

17. WILLIAM P. SCARCELLA

18. JOHN W. CRAVEN SR.

19. DANIEL HINES

20. SAMUEL A. DUNCAN

21. LIONEL D. STOCKWELL

22. ROGER A. GRADY JR.

23. CARLTON R. HAWKINS SR.

24. GEORGE L. MORTENSEN

25. TONYA KOGER

26. MACK M. DANIELS

27. HERSCHELL A. MCCOY

28. JESSE E. BROWN

29. MARTHA E. RANDALL

30. CHARLES E. WATERS

1. JON AHLBUM The Ahlbum Group

2. MIKE LEMAR Sunshine State Agency

3. CATHERINE E. HATTON Long Island Insurance Solutions

4. RON CONCKLIN Rosenberg-Concklin, Inc.

5. RAY STEVENS Stevens & Associates Insurance Agency, Inc.

6. EDWARD L. SHACKELFORD The Assurance Group, Inc.

7. SCOTT E. MEDNICK Professional Insurance Systems of Florida

8. ROBERT M. WROBLEWSKI SOS Insurance Group

9. PAUL T. SHELDON Paul Sheldon Insurance & Benefits Planning

10. PHILIP L. ROBBINS Robbins Insurance Agency

11. SHAWN T. SCHROEDER Jack Schroeder & Associates, Inc.

12. JOSEPH MAISONET Maisonet Insurance Agency

13. SCOTT J. SCHWARTZ Insurance Protection Services

14. FRED M. ULAYYET Senior Care Insurance Services, Inc.

15. PAUL SWEENEY Quality First Insurance Agency, Inc.

16. JAMES F. SCHULER Consumer Group Services, Inc.

17. JOHN W. CLARK Senior Solutions Insurance Agency

18. PETER S. GELBWAKS Gelbwaks Executive Marketing Corp.

19. MARK HELLER Heller Insurance Agency

20. AMERICAN EAGLE CONSULTANTS, INC.

21. RICHARD S. SCHWARTZ Insurance Center of S. Florida

22. CENTURION AGENCY, LTD. 23. NAYEEM SIDDIQUE

Siddique Insurance Agency24. CENTERSTONE INSURANCE

& FINANCIAL SVCS.25. RICHARD D. SAKHAROFF

Security Benefits Group, Inc.26. STUART ALAN

Senior Care Insurance Center 27. MARC ZUM TOBEL

Consolidated Insurance Group, Inc.

28. BENEFIT PLANS OF AMERICA, INC.

29. CARMEN A. RODRIGUEZ Landers-Stein & Associates

30. THOMAS G. STATKEWICZ Sylvan-James Associates, Inc.

1. PAUL T. SHELDON

2. TIM AHLBUM

3. KERRY SACHS

4. DEVIN M. BARTA

5. PHILIP L. ROBBINS

6. SCOTT J. SCHWARTZ

7. RAY STEVENS

8. EDWARD A. CATRON

9. JON AHLBUM

10. FRED M. ULAYYET

11. CHAD A. ROBBINS

12. AARON GORDON

13. JAMES A. LAUGHLIN

14. DEXTER R. SAYLOR

15. JOSEPH A. JAFFE

16. MARK HELLER

17. JASON STEVENS

18. JACKSON EDWARDS IV

19. JEFF D. HACKMEIER

20. ROBERT HOLZMAN

21. RICHARD D. SAKHAROFF

22. JULIO C. CORTES

23. JULIA GILELS

24. CHRISTOPHER N. GRAHAM

25. BEVERLY J. KINGSLEY

26. GARY S. KEMPLER

27. CATHERINE HATTON

28. EARL D. DWORKIN

29. JOHN W. STAMPER

30. ROBERT V. TANTILLO

LOOK FOR YOUR NAME ON FACEBOOK AND TWITTER!

LOOK FOR YOUR NAME ON FACEBOOK AND TWITTER!

LET THE GOOD TIMES ROLL! August 2014 11

LIFE HEALTH

LIFE HEALTH

GENE

RAL

AGEN

TSW

RITI

NG A

GENT

S

BOCA

RATON

FLORIDA

2015 CONVENTION JUNE 18-21, 2015, BOCA RATON RESORT & CLUB

WH

AT Y

OU

NEE

D T

O Q

UA

LIFY

IF

YO

U A

RE A

GEN

ERA

L A

GEN

T:

MONTH LIFE ONLY HEALTH ONLY COMBINED

$180,000 NAP $350,000 NAP $350,000 NAP

JAN. $15,000 $29,167 $29,167

FEB. 30,000 58,333 58,333

MAR. 45,000 87,500 87,500

APR. 60,000 116,667 116,667

MAY 75,000 145,833 145,833

JUNE 90,000 175,000 175,000

JULY 105,000 204,167 204,167

AUG. 120,000 233,333 233,333

SEPT. 135,000 262,500 262,500

OCT. 150,000 291,667 291,667

NOV. 165,000 320,833 320,833

DEC. 180,000 350,000 350,000

WH

AT Y

OU

NEE

D T

O Q

UA

LIFY

IF

YO

U A

RE A

WR

ITIN

G A

GEN

T:

MONTH LIFE ONLY HEALTH ONLY COMBINED

$100,000 NAP $150,000 NAP $150,000 NAP

JAN. $7,500 $12,500 $12,500

FEB. 15,000 25,000 25,000

MAR. 22,500 37,500 37,500

APR. 30,000 50,000 50,000

MAY 37,500 62,500 62,500

JUNE 45,000 75,000 75,000

JULY 52,500 87,500 87,500

AUG. 60,000 100,000 100,000

SEPT. 67,500 112,500 112,500

OCT. 75,000 125,000 125,000

NOV. 82,500 137,500 137,500

DEC. 100,000 150,000 150,000

Agents who contract after Feb. 1, are prorated for Convention qualification. For example, contract in March and the Agent life/health requirement is 10 months or $125,000 of combined NAP. Minimum NAP for an Agent who contracts in June is six months or $75,000

combined NAP. Agents must be contracted and produce at a six-month minimum production level to be eligible for Convention.