10
The news and ideas magazine for the Independent Agents of United American and First United American Life Insurance Companies August 2015
The news and ideas magazine for the Independent Agents of United American and First United American Life Insurance Companies
August 2015
COMMUNICATIONS SUPERVISORKaley Lockaby
EDITORSRoberta Boyd King
Gay Falkowski
GRAPHIC DESIGNERJohn Begg
to update information for Summit or to submit news for the Editor’s page.
HOME OFFICE972-529-5085
FIRST UA315-451-2544
AGENT SERVICE CENTER 800-925-7355 or email
WEBSITES unitedamerican.com
unitedamerican.com/logon firstunitedamerican.com
firstunitedamerican.com/office
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.
DO NOT CALL REMINDERAs an Agent of UA or First UA it’s important you’re aware of and adhere to federal and state regulations and Company Do Not Call procedures. A memo is distributed regularly that spells out an Agent’s responsibilities as they relate to Do Not Call. The memos are available on the UA and First UA Agent websites under ‘Memos’ and should be reviewed periodically. UA Agents may access this information via UAOnline and do a ‘Do Not Call Search’ under ‘Leads’ on the UA Agent website. First UA Agents may do a ‘Do Not Call Search’ by clicking on the left side of the home page.
ATTN: ALL FIRST UA AGENTSAs already communicated, we are excited to announce the approval of First United American’s Simplified-Issue Final Expense and Juvenile Whole Life products as of July 23, 2015.
y Offer customers benefit amounts from $1,000 to $25,000
y Application packages (App-pack) are available for both products via UAOnline
y Go to the Agent website to download updated General Underwriting Guidelines and the Marketplace Bulletin
y Go to the Compliance Sheet to download sales materials, rates, and required forms
Contact the Home Office in Syracuse at 315-451-2544 with questions.
ATTN: NEW JERSEY AND PENNSYLVANIA AGENTSAs announced earlier, United American’s Final Expense Whole Life and Juvenile Whole Life products were approved for sale in New Jersey and Pennsylvania on July 23, 2015. Go to the Agent website to download training and sales materials, rates, and required forms. Be sure to check the Life Approval Chart for ABR1 availability.
ATTN: WISCONSIN AGENTSAs communicated previously, United American’s Reserve Fund Annuity (RFA), which can be used to help pay covered healthcare provider claims, deductibles, and excess charges, is now available in Wisconsin. Go to the UA Agent website, ‘Products/Rates’, ‘Compliance Sheets’, ‘Wisconsin’, to download sales materials and to ‘Medicare Supplement’ for RFA training materials.
MEDICARE SUPPLEMENT BENCHMARK REFUNDS United American and First United American gave refunds and/or premium credits to Medicare Supplement policyholders issued these Medicare Supplement Plans effective as of Dec. 31, 2014, in the following states:
Alabama MSAArizona MSB, MSF*Arkansas MSF*California MSBIllinois MSB, Prestandardized PlansLouisiana MSB, MSGMichigan MSGMississippi Prestandardized PlansNevada MSGOhio MSA, Prestandardized PlansOklahoma MSGPennsylvania MSBSouth Carolina MSB, MSGTexas MSA, MSB, MSF*Utah MSBWashington MSG
Some policyholders may receive between one and six month’s premium credit and others a refund. If a policyholder receives a premium credit, no commission is paid in association with this waiver period.
*MSF includes HDF
CONGRATULATIONS, MICHAEL WOODARD!Michael Woodard is ready to enjoy those dog days of summer as the June winner of the Yeti cooler.
“I just want to thank United American for everything. United American is already a leader in the industry, but with the addition of the e-App paperless application for Medicare Supplement sales, UA is even better. Faster application approvals and more options for Agents have helped me make more sales.”INTEREST RATES SETThe Lifestyle Annuity rate for August 2015, is 3.00 percent. Rates are reviewed and adjusted accordingly. The Deposit Fund Rider new business interest rate for 2015, is 3.00 percent.
WORDS OF WISDOM
“Don’t sell life insurance. Sell what life insurance can do.”
~Ben Feldman (1912-1993), American businessman and world-renowned salesperson
NEW!
2 y August 2O15 y TAKE A BITE OUT OF LIFE
TAKE A BIG BITE!! The Big Apple is extending its reach across the great State of New York as First United American Life Insurance Company Agents now may sell Whole Life Final Expense and Juvenile Whole Life. Recently approved for sale in New York, these products are a valuable and potentially lucrative addition to your product portfolio.
GET BACK INTO LIFEUnited American introduced these products a few months ago and is having outstanding success, especially selling to existing Medicare Supplement insurance customers. Whole Life Final Expense for issue ages 50-80, may be the perfect cross-sell product for many of your Medicare Supplement insurance policyholders*. It’s also a wonderful reason to contact your other existing customers. You’re excited about our new offerings, and you want them to know about these new products to determine if they have an interest in them. Even if they don’t have a direct interest in purchasing coverage for themselves, they may know someone who does.
Your Cash Cancer customers and your $3,000 Accidental Death Policy customers need to know about our
new life products too. With the issue age starting at 50 for Whole Life Final Expense, pre-Medicare-eligible customers, who may have had a group term product through work, may be receptive to a Whole Life product that stays with them after retirement. And Juvenile Whole Life is a product many of your customers may not have considered before.
I recently read many Agents avoid talking to their clients about life insurance because they feel it’s too complex a product. Well, their loss is your gain, because Whole Life Final Expense is about as simple as it gets. The product is Simplified-Issue with no medical exam required and has benefit levels ranging from $1,000 to $25,000.
INVEST IN LIFENo one likes to even think about losing a child, but it happens all too often. Gun violence, drowning, accidents, and illness take the lives of thousands of children and young people annually. You can never ease the emotional pain a family endures with the death of a child, but you can help to ease the financial burden with Juvenile Whole Life. Available for issue ages 0-18 with
face amounts from $1,000 to $25,000, Juvenile Whole Life accumulates cash value, so the value of the policy grows as the child grows. The premium for a life insurance policy is a small price for your customers to pay to protect the people they love.
TRAIN FOR LIFEGet enthusiastic about life insurance again! Life Director Bob Lochard, Assistant Life Director Vinny Coiro, Trainer Rick Andriola, and Assistant Trainer Jonathan Vall are coordinating their efforts to make sure you have the knowledge, training, and skills you need to successfully promote our new Whole Life products. Be sure to register on the First UA Agent website for one or more of our Whole Life Final Expense webinars. It’s going to be an exciting year and could be just what you need to get you to Convention 2016, in Los Cabos, Mexico. See you in the sunshine!
*Cross-selling of other products with Medicare Supplement policies at the same time is not permitted in CA. A second visit is required.
3 y August 2O15 y TAKE A BITE OUT OF LIFE TAKE A BITE OUT OF LIFE y August 2O15 y 3
Jim Savo, FLMIVice President of Operations, General Manager, First United American Life Insurance Company
UNITED AMERICANAgbazue, Chinyere S. Aiello, John Alavi, Mark Q. Allen, Douglas A. Almeida, Leonel Alvaran, Reynaldo A. Alvarez, Micaela A. Anderson, Daniel T. Anderson, James A. Anderson, Sterling Anema, Vernon J. Aprill Agency, Inc. Archer, Robert E. Arnwine, Dorothy S. Asay, Joel H. Asurea Wholesale Insurance
Services, Inc. Ayers, Frank Barry, Cassandra L. Bazile, Lesly F. Beasley, Ross E. Bellville, Barry Bernstein, David Bertsch, Kirk J. Best, Thomas M. Bey-Busch, Brenyatta Bezalel, Dustin A. Bibbs, Antonio A. Billingsley, Robert L. Bills, Latonia N. Birchard, Natalie K. Biton, Sigalit Blare, Rocky Bloodworth, Samuel B. Bloomer, Joe K. Bochard Addison, Jeff M. Boone, Ricky Boss, Paul Bostick, Stanley Boxman, Mark J. Bradshaw, Brian L. Brady, Paula M. Brantley, Kimberly E. Breitenfeldt, Paul C. Bridges, Terry L. Brisbin, Scott L. Brown, Robert W. Jr.Brown, Dawn M. Brown, Richard S. Bruno, James A. Burgland, Krista K. Cagnassola, Stephen J. Calvert, Merlyn A. Carey, Douglas E. Carrera, Patricia Carrillo, Patricia Carter, Robert F. Castaneda, Roberto Chalawsky, Howard R. Chaney, Denise D. Chavez, Caridad Christian, Sheryl Clausen, Lynne Clemonds, Neil F. Clenney, Kendall R. Client First, Inc.
Cone, Nicholas H. Cook, Michael L. Cook, William P. Costa, Ruber M. Crank, Jay T. Crosby, Thomas E. Cross, Jacqueline L. Curtis, Michael S. Dalton & Company, Inc. Damron, William W. Darnell, Larry Davis, Johnnie Dawkins, Natasha C. Demler, Jeanne L. Dennis, Mark S. Depalo, Ardala E. Dietmeyer, Philip Dixon-Fields, Willa P. Dixson, Kimberly K. Duffie, Sean T. Dunbar, Jon T. Duncan, Robert Durkee, Kevin S. Durning, David E. Duvall, Jacqueline K. Eaton, Max Ellerbe, Michael A. Erickson, Carol K. Escobedo, Zulema Esington, Patricia A. Esponda, Nora Evenvold, Gary Fairchild, Terry L. IIFedanick, Kristy Feinberg, Robert B. Ferguson, Carolyn L. Ferrara, Michael A. Ferreira, Monica A. Ferro Sr, Edward J. Fitzgerald, David F. Jr.Fox, Lonny H. Fraser, James S. Gaisford, Patricia L. Gallinat, Ron A. Gamboa, Eddie Gardner, Leoma K. Gaviria, Carlos Gelchinsky, Harold Ghent, Miriam Gibson, Carla Giles, Michael K. Glochner, Laura S. Goldsmith, Jason Goldstein, Daniel Gomez, Adam Gonzalez, Carlos Goranowski, Richard H. Gordon, Jacques Goriparthi, Lakshmi K. Graham, William C. Graves, Dale Griffin, Michelle Grudzinski, Robert J. Gurley, Dennis E. Guy, Remedios O. Hadley, William W. Hancock, Sharron
Hansen, Henry E. Hare, Brett Hargreaves, Eric Harmon, Joanne M. Harper, Fred G. Harris, Donna U. Hartley, David K. Hennessy, John M. Henry, James M. Hercules, Jocelyn C. Hevia, Bernardo Higgins, Margaret L. Hildebrand-Helmy, Tracey A. Hill, Brandon Hill, Michael R. Holiday, Denise S. Holmes, Daniel Holtz, Eric Houck, John D. Howard, Michael H. Hubbard, Debra A. Hullum, Holly L. Imsirovic, Nermin Jaclin, Donald Jacobs, Symour Jahangir, Sohail M. Jaramillo De Graham, Ana Jaramillo, Darel D. Jimenez, Carlos A. Johnson, Gerald G. Jr.Johnson, Bruce D. Johnson, Krista Jones & Associates, Inc. Jones, George H. Jr.Jones, Mitchell L. Kaufman, Robert T. Kelley, Rose M. Kenlon, John G. Kennedy, Judy S. Kimberling, Robert Kimbrough, Laurie Kochensparger, John H. Koistinen, Leon C. Kollenbaum, Holly J. Kruger, Marsha Z. Labry, Charles D. Lackey, Jill A. Lane, Scott Larson, Paul R. Lathan, Timothy Lattin, Debbie L. Lee, James M. Lee, Jim Lewis Financial Insurance
Service, Inc. Lipscomb, Antonio L. Livadas, Peter A. Lombardi, Mavis G. Lopez, Jose M. Lopez, Rigoberto Luchansky, John F. Luk, Angela W. Luke, Linda Mac Dermid, James R. Mackley, James W. Maes, Cynthia A. Mai, Tim
Mann, Rona Markowitz, Janet Marra, Jason Marsh, Mcafee Martens, Kirk Mason, Brian D. McClaskey, Barbara A. McClellan, Randy L. McDowell, Jason P. Mead, Keith S. Melcher, H. E. Mendoza, Jemma Menk, Jill A. Messmore, Karl L. Methner, Gerald J. Milber, James D. Miller, Tamara A. MNB Insurance Services, Inc. Montalbo, Lambert Moritz, Robert D. Morrow, Deborah G. Murdock, Stephen L. Newman, Jeffrey M. Nguyen, Tracy Nguyen, Winston Noble, Robert D. Nova, Fernando Obrien, Terrance J. Oconnell, Charles J. Olivas, Eric Olson, Adriene M. Ophardt, David R. Osborne, Edward J. Pack, Cordero Pack, Marcia J. Pack, Yolanda Palmer, Jamella M. Pecoraro, Deborah L. Pennington, Lawrence Perkins, Billy M. Phillips, Williams E. Pierce, Dexter I. Plaza, Angel C. Porath, Daniel G. Powell, Merlene Mavis M. Price, Dorothy J. Pricer, Stephen L. Rance, Collette M. Reed, Michol A. Reese, Paul C. Rettig, Stephen A. Rice, Dell Rider, John M. Riley, Derek Roesel, Philip L. Rooks, Ivory Rosenthal, Robert A. Royer, Lonnie D. Royston, Billy J. Sachs, Marion S. Saltz, Richard D. Sandoz, Neal J. Sarno, Ronald Sr Sr.Scanavino, Kenneth V. Schenberg, Sanford L. Scherba, Richard Schlenger, Harold B.
Schlesner, Dustin M. Schwartz, Sheldon G. Sellin, Ronald N. Sims, Branda L. Singleton, Perry E. Skinner, Robert E. Slocum, Alfred Smith, Darla D. Smith, Norma J. Smith, Robert R. Smulyan, Ira J. Solomon, Kurt D. Sommerkamp, Kristina J. Spellman, Clinton B. Sposato, Frank A. Springer, Kelly Squyres, Otis M. Steele, Barbara A. Stephenson, Coleen A. Suleman, Paula Sullivan, Patrick F. Swindell, Kathleen A. Sword, Charles H. Syed, Tahir L. Tabaac, Irvin L. Taddei, Theodore R. Jr.Taddei, Kyle R. Tarver, Gerald L. Taylor, Catherine Taylor, Ruby L. Telson, Arthur Testa, Bradley J. Thigpen, Ned C. Thompson, James M. Thornton, Quentin D. Thrasher, Preston D. Tinklepaugh, David J. Togba, Garrison Tornoe, Donna R. Tozier, Jared M. Turner, Cynthia E. Underhill, Wallace B. Unterman, David W. Upchurch, Mitchell D. Vetter, Richard Vice, Spencer Voss, Peter L. Wagner, Dustin W. Wagner, Patti B. Watkins, Chadom Webb, Kelly Weidenfeller, Anthony P. White, Rebecca Whitten, Ronald W. Williams, Desmond C. Wilson, James R. Jr.Wilson, Lisa A. Winders, William G. Wolf, Gregory J. Workman, Jeffrey G. Sr.Wyatt, Edward Yoder, Nancy Zepeda, Oscar R.
FIRST UNITED AMERICANAbramovich, Nina Bacchus, Katharine L. Budhu, Robert J. Coonradt, Scott L. Derleth, Jill Dezego, James Eremin, Grace Fisher, Annette Gallagher, Kevin G. Hall, Tarmaine R. Harismides, Jacquie Hoover, William C. Jaclin, Donald Jimenez, Luis M. Kremin, Diane J. Lathan, Timothy Miller, Alex Omer, Shamseldin Pasinkoff, Joel Reyes, Maribel A. Rubinstein, Richard L. Sambuco, James M. Shapiro, Alexander M. Sheffield, Dianne E.
4 y August 2O15 y TAKE A BITE OUT OF LIFE
Source: 2015 Barometer Study by Life Happens and LIMRA
5 y August 2O15 y TAKE A BITE OUT OF LIFE TAKE A BITE OUT OF LIFE y August 2O15 y 5
The release of these two Whole Life products in the Empire State
is projected to be a big hit. What a great addition they’ll make to
your product portfolio! Take a bite out of LIFE … it’s showtime!
Act 1 Final Expense
Take a lead role in selling Final Expense and enjoy:
High commissions
Lifetime renewals for the life of the business
Advance commissions
Never-ending Leads
Dedicated Home Office support staff
Training available 24/7
Sales incentives throughout the year
Agent recognition at annual Convention
Features and benefits your customers may applaud:
Benefit face amounts start as low as $1,000
Simplified-Issue
Level Premium
Level Death Benefit
Graded Death Benefit
Accumulates cash and loan value
Act 2 JUVENILE WHOLE LIFENo one likes to talk about death, especially the death of a child. The following facts about Juvenile Whole Life may help put a positive touch on your dialogue with customers:
The savings in a cash-value life insurance policy such as Juvenile Whole Life may provide a good return, especially in a low-interest-rate environment.Tax-deferred growth with returns, meaning their money may increase regardless of what happens in the financial markets as long as they keep making premium payments.Unlike money kept in traditional savings vehicles for children,
a juvenile life insurance policy's cash value doesn't have to be used solely for education.Children who have permanent, cash-value life insurance are guaranteed future insurability regardless of their future health, lifestyle, or residence.It's issued without any physical exam ... a definite plus when dealing with children.
Get ready for rave reviews of these top-performing products!
0715
P.O. Box 3125 • Syracuse, NY 13220-3125© 2015 First United American Life Insurance Company. All rights reserved.
Our Final Expense Insurance Policy is All About Helping You Plan Ahead!
Planning now makes good financial sense!The last thing you want loved ones to say when planning your final arrangements is, “I can’t afford this.” Grieving takes an emotional toll, and it can be even more difficult when there’s a financial burden. It’s never easy to think about what life would be like for your family after you’re gone. But planning now can help your loved ones focus on the life you lived, and less on your final expenses.
FUA3127Life Insurance
For Children
Ensures that cash will be there
Life is precious. Unfortunately, accidents and disease claim the lives of children every day. Consider that:
• Accidental injuries are the leading cause of death among children in the United States*.
• Cancer is the second leading cause of death among children age 1 – 24*.
Having money for final expenses provides financial protection when the unexpected happens. With First United
American’s Juvenile Whole Life Policy you can get help with that protection.
Whole life policies accumulate cash value, so as the child ages the value of First UA’s Juvenile Whole Life policy will
also grow.
Keeps the premium affordable
Premiums for First United American’s Juvenile Whole Life policy are based on age, so the cost to you will never be
lower than it is now. Buy today and the affordable rate remains the same for life.
• Available for children ages 0-18
• Benefit amounts range from $1,000 to $25,000
The company behind the coverage
Stability - First United American was chartered in 1981 and began writing business in 1986.
Strength - For more than 25 consecutive years, First United American has earned the A+ (Superior) Financial
Strength Rating from A.M. Best Company (as of 6/14).
© 2015 First United American Life Insurance Company. All rights reserved.
FUA3128
0415
*Centers for Disease Control and Prevention, NCHS Data Brief, March 2013
This brochure highlights the features of policy form NYSWL14. Policy described herein is not a
preneed or prearranged funeral plan. Policy has some limitations and exclusions. Refer to Your
policy for actual coverage, benefit amounts, and terms. Applicant must qualify for coverage
amount applied for based on applicant’s age and health. This is a solicitation for insurance. You
will be contacted by a state-licensed insurance Agent representing First United American Life
Insurance Company.
Source: http://www.bankrate.com/finance/insurance/need-juvenile-life-insurance.aspx#ixzz3g4min1iC
6 August 2O15 TAKE A BITE OUT OF LIFE TAKE A BITE OUT OF LIFE August 2O15 7
Looking for a way to open the door to discuss UA’s Final Expense and Juvenile Whole Life products with new or existing customers? A no cost introductory offer can do just that.… It might even get you all the way to the kitchen table.
1) A policy has been issued, which may be renewed.
2) You’re getting to know new prospects.
3) Cross-selling*** opportunities may have been created.
4) You’ve gathered some great referrals.
The seed’s been planted ….You’re an Agent with the expertise and products to meet their insurance needs today and in the future. The more seeds you plant, the better the harvest!
For more great advice tune into the webinar titled ‘Introduction to UA Whole Life Final Expense and Juvenile Whole Life Policies.’ Check the Agent website under ‘Webinars/Workshops’ for exact times. Register today!
***In Maine and California, cross-selling of other products with Medicare Supplement Insurance policies at the same time is not permitted; a second visit is required. In Ohio, cross-selling of health products is permitted with Medicare Supplement Insurance policies, but not life products.
INTRODUCTORY OFFERS:
UNITED AMERICAN'S ACCIDENTAL DEATH POLICY
CORE POINTS:Be sure to
carry lots of ADP applications with
you wherever you go.
Have the policy mailed to you, the Agent, so you can
hand-deliver it to your new customers in
their homes.
When you do, tell them you’re
authorized to extend the amazing offer to six of their friends!
Then …
• Can never be canceled • Guaranteed renewable • Premium not due until the end of the first policy year
• At the end of the first policy year, keep the coverage for a $10** a year premium
• Coverage begins the day the application is signed
Consider saying: “While I’m here,
I’d like to get your opinion on something.”
Then take out the product brochures
and start.
“United American just introduced a life
product that I’d like to show you real quick. If
you’re interested, great. If not, that’s fine too.”
*$2,000 in Florida**$4 in Florida
OR
PIVOT
ANY WAY YOU SLICE IT, THE ADP HAS WORKED WELL FOR YOU:
8 August 2O15 TAKE A BITE OUT OF LIFE TAKE A BITE OUT OF LIFE August 2O15 9
#5
PACE
SETT
ERS
CLUB
PRES
IDEN
T'S
CLU
B
#1 #2 #3 #4 #5
#2 #3 #4#1
STARS OF THE MONTH
6. RAY STEVENS Stevens & Associates Insurance Agency, Inc.
7. SCOTT MEDNICK Professional Insurance Systems of Florida
8. MARK GRAHAM AmeriLife
9. PAUL SHELDON Paul Sheldon Insurance & Benefits Planning
10. RON CONCKLIN Rosenberg-Concklin, Inc.
11. TIM AHLBUM Health Coverage Solutions
12. ROBERT WROBLEWSKI SOS Insurance Group
13. JOHN CLARK Senior Solutions Insurance Agency
14. DEVIN BARTA Barta Insurance Group
15. DONNA AHLBUM The Ahlbum Insurance Agency
16. SCOTT SCHWARTZ Insurance Protection Services
17. KERRY SACHS Secure Retirement Solutions, Inc.
18. PIERRE ABADJIAN Abadjian Insurance Group
19. BENEFIT PLANS OF AMERICA, INC.
20. FRED ULAYYET Ulayyet Insurance Agency
21. AMERICAN EAGLE CONSULTANTS, INC.
22. CENTERSTONE INSURANCE & FINANCIAL SVCS.
23. SHAWN SCHROEDER Jack Schroeder & Associates, Inc.
24. PAUL SWEENEY Quality First Insurance Agency, Inc.
25. MARC ZUM TOBEL Consolidated Insurance Group, Inc.
26. SENIOR SERVICES OF NORTH AMERICA, INC.
27. RICHARD SCHWARTZ Insurance Center of S. Florida
28. NUR AHMED Ahmed Insurance Agency
29. JOSEPH MAISONET Maisonet Insurance Agency
30. FUTURITY FIRST INSURANCE GROUP, INC.
Through July 2015, 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.
JON AHLBUM The Ahlbum Insurance Group, Inc.
MIKE LEMAR Sunshine State Agency
WILLIAM BOROSAK JR. Secure Financial Group, LLC
CATHERINE HATTON Long Island Insurance Solutions
EDWARD SHACKELFORD The Assurance Group, Inc.
PAUL SHELDON TIM AHLBUM TIMOTHY RUSH KERRY SACHS SCOTT SCHWARTZ
6. FRED ULAYYET
7. JASON STEVENS
8. RAY STEVENS
9. LISA ROSATI
10. DEVIN BARTA
11. EUGENE RANNEY
12. JON AHLBUM
13. EDWARD CATRON
14. BRIAN GILBERT
15. CATHERINE HATTON
16. BEVERLY KINGSLEY
17. CHRISTOPHER GRAHAM, CLU
18. MICHAEL WOODARD
19. JOSEPH JAFFE
20. DARRIN DIBISCEGLIE
21. JULIA LEMBCKE
22. AARON GORDON
23. DEXTER SAYLOR
24. JACKSON EDWARDS IV
25. PETER GRATZON
26. GARY KEMPLER
27. CHRISTOPHER DAENZER
28. JORDAN VICKERS
29. VINCENT ABBATIELLO
30. ROBERT HOLZMAN
1. JON AHLBUM $2,215,400 2. MIKE LEMAR $994,270 3. WILLIAM BOROSAK JR. $920,687 4. CATHERINE HATTON $744,789 5. EDWARD SHACKELFORD $710,895 6. RAY STEVENS $653,737 7. SCOTT MEDNICK $510,133 8. MARK GRAHAM $425,858 9. PAUL SHELDON $423,311
10. RON CONCKLIN $409,428
1. PAUL SHELDON $423,311 2. TIM AHLBUM $275,826 3. TIMOTHY RUSH $230,300 4. KERRY SACHS $213,258 5. SCOTT SCHWARTZ $200,952 6. FRED ULAYYET $164,690 7. JASON STEVENS $161,045 8. RAY STEVENS $153,645 9. LISA ROSATI $151,330
10. DEVIN BARTA $146,913
Through the month of July 2015, these top 10 General Agents and Writing Agents have the highest net combined annualized premium.
10 y August 2O15 y TAKE A BITE OUT OF LIFE
WRI
TIN
G A
GEN
TS
WRI
TIN
G A
GEN
TS
GEN
ERA
L A
GEN
TS
GEN
ERA
L A
GEN
TS
1. SHELDON REID
2. ENSURITY GROUP, INC.
3. OWEN METTS Metts Insurance Agency
4. GLEN DOERNBERG Doernberg Insurance Agency
5. RAY STEVENS Stevens & Associates Insurance Agency, Inc.
6. MIKE LEMAR Sunshine State Agency
7. BENEFIT PLANS OF AMERICA, INC.
8. HENRY VAZQUEZ Vazquez Insurance Agency
9. LOREN OLGUIN Olguin Insurance Agency
10. JOHN CLARK Senior Solutions Insurance Agency
11. ROSE MARIE REY Rey Insurance Agency
12. KAYLEIGH OLIVER Affiliated Health Insurances of FL
13. TAIWANA HIXON Hixon Insurance Agency
14. JAMES CRAIG Craig Insurance Agency
15. LEE JERNIGAN Jernigan Insurance Agency
16. DEBORAH WALKER Walker Insurance Agency
17. MICHAEL STEVENS Farm & Ranch Healthcare, Inc.
18. TIM DOYLE Doyle Insurance Agency
19. MICHAEL REDDY
20. NEAL STACY Stacy Insurance Agency
21. FREDRIC HISSONG Hissong Insurance Agency
22. JOSEPH IANNELLI Iannelli Insurance Agency
23. JUAN MENDEZ Mendez Insurance Agency
24. SAMUEL COREY III Corey Insurance Agency
25. RICHARD SAKHAROFF Security Benefits Group, Inc.
26. FRED GITTENS
27. HAROLD STIFFLER Stiffler Insurance Agency
28. DAVID DANIELS David K. Daniels & Associates
29. SCOTT MEDNICK Professional Insurance Systems of Florida
30. DANIEL SHEA Shea Insurance Agency
1. BRYAN MCGHEE
2. OWEN METTS
3. GRACE EVANS
4. GLEN DOERNBERG
5. ARLINE LOUX
6. FREDERICK MENSLAGE
7. DAVID MILLER
8. ROSE MARIE REY
9. BERTHA REED
10. FITO MENARD
11. TAIWANA HIXON
12. JAMES CRAIG
13. VINCENT ABBATIELLO
14. LEE JERNIGAN
15. SHELDON REID
16. DEBORAH WALKER
17. TIM DOYLE
18. MICHAEL REDDY
19. EDWARD CODY
20. RICHARD COLADO
21. FREDRIC HISSONG
22. IGOR SPASOJEVIC
23. FABIAN RAMIREZ
24. CHARLES HALL
25. TIMOTHY STYER
26. RICHARD SAKHAROFF
27. FRED GITTENS
28. KEITH WHITE
29. WALTER ROSS
30. VICTOR CABRERA
1. JON AHLBUM The Ahlbum Insurance Group, Inc.
2. MIKE LEMAR Sunshine State Agency
3. WILLIAM BOROSAK JR. Secure Financial Group, LLC
4. CATHERINE HATTON Long Island Insurance Solutions
5. EDWARD SHACKELFORD The Assurance Group, Inc.
6. RAY STEVENS Stevens & Associates Insurance Agency, Inc.
7. SCOTT MEDNICK Professional Insurance Systems of Florida
8. MARK GRAHAM AmeriLife
9. PAUL SHELDON Paul Sheldon Insurance & Benefits Planning
10. RON CONCKLIN Rosenberg-Concklin, Inc.
11. TIM AHLBUM Health Coverage Solutions
12. ROBERT WROBLEWSKI SOS Insurance Group
13. JOHN CLARK Senior Solutions Insurance Agency
14. DEVIN BARTA Barta Insurance Group
15. DONNA AHLBUM The Ahlbum Insurance Agency
16. SCOTT SCHWARTZ Insurance Protection Services
17. KERRY SACHS Secure Retirement Solutions, Inc.
18. PIERRE ABADJIAN Abadjian Insurance Group
19. FRED ULAYYET Ulayyet Insurance Agency
20. BENEFIT PLANS OF AMERICA, INC.
21. AMERICAN EAGLE CONSULTANTS, INC.
22. CENTERSTONE INSURANCE & FINANCIAL SVCS.
23. SHAWN SCHROEDER Jack Schroeder & Associates, Inc.
24. PAUL SWEENEY Quality First Insurance Agency, Inc.
25. MARC ZUM TOBEL Consolidated Insurance Group, Inc.
26. SENIOR SERVICES OF NORTH AMERICA, INC.
27. RICHARD SCHWARTZ Insurance Center of S. Florida
28. NUR AHMED Ahmed Insurance Agency
29. JOSEPH MAISONET Maisonet Insurance Agency
30. FUTURITY FIRST INSURANCE GROUP, INC.
1. PAUL SHELDON
2. TIM AHLBUM
3. TIMOTHY RUSH
4. KERRY SACHS
5. SCOTT SCHWARTZ
6. FRED ULAYYET
7. JASON STEVENS
8. RAY STEVENS
9. LISA ROSATI
10. DEVIN BARTA
11. EUGENE RANNEY
12. JON AHLBUM
13. EDWARD CATRON
14. BRIAN GILBERT
15. CATHERINE HATTON
16. BEVERLY KINGSLEY
17. CHRISTOPHER GRAHAM, CLU
18. MICHAEL WOODARD
19. JOSEPH JAFFE
20. DARRIN DIBISCEGLIE
21. JULIA LEMBCKE
22. AARON GORDON
23. DEXTER SAYLOR
24. JACKSON EDWARDS IV
25. PETER GRATZON
26. GARY KEMPLER
27. CHRISTOPHER DAENZER
28. JORDAN VICKERS
29. ROBERT HOLZMAN
30. VINCENT ABBATIELLO
1. PAUL SHELDON $423,311 2. TIM AHLBUM $275,826 3. TIMOTHY RUSH $230,300 4. KERRY SACHS $213,258 5. SCOTT SCHWARTZ $200,952 6. FRED ULAYYET $164,690 7. JASON STEVENS $161,045 8. RAY STEVENS $153,645 9. LISA ROSATI $151,330
10. DEVIN BARTA $146,913
10 y August 2O15 y TAKE A BITE OUT OF LIFE TAKE A BITE OUT OF LIFE y August 2O15 y 11
LIFEW
RITI
NG
AG
ENTS
GEN
ERA
L A
GEN
TS HEALTH
CONVENTION
it’s your JOURNEY
FUN IN THE SAND
#UACONVENTION2016
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. $8,333 $12,500 $12,500
FEB. 16,667 25,000 25,000
MAR. 25,000 37,500 37,500
APR. 33,333 50,000 50,000
MAY 41,667 62,500 62,500
JUNE 50,000 75,000 75,000
JULY 58,333 87,500 87,500
AUG. 66,667 100,000 100,000
SEPT. 75,000 112,500 112,500
OCT. 83,333 125,000 125,000
NOV. 91,667 137,500 137,500
DEC. 100,000 150,000 150,000
Hyatt Ziva ✿ Los Cabos, Mexico ✿ juNE 22-25, 2016
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.
