1 Nebraska Heartland September 2016 ADVOCATE • EDUCATE • LEGISLATE • MOTIVATE President’s Perspective Why We Joined NAIFA: It’s my favorite time of year! The weather is cooler, trees are starting to turn colors, and football is in the air! Go Big Red!!! First, I want welcome our newest member, Kris Loberg! We are thrilled that you are making the trip from Omaha to attend our September 30 th Association Meeting and look forward to meeting you in person! (see Kris’s new member spotlight on page 4) Thank you to everyone who participated in and sponsored our 2016 Annual Golf Tournament! Jon Smith headed up the Golf Committee; who all worked hard to ensure the event was fun and successful. As you know, the golf tournament is our biggest fundraiser, and the funds raised are used for Scholarships, LIAM Advertising, Association Meetings & Speakers, Community Events, and so much more! (see pictures on page 5) Did you see who was in the paper this last weekend? That’s right all of you were! Make sure you are taking full advantage of Life Insurance Awareness Month to educate your clients on the importance of life insurance and its benefits. Hastings Tribune Ad Grand Island Independent Ad Important: Registration for the 10/05/16 CE Seminars must be completed by September 21, in order to have access to presenter handouts. (see page 6 for additional details and a link to the registration form) Vision & Mission Code of Ethics IFAPAC Coming Up: 10/5 CE Seminars (see page 6) DOI Listening Sessions (see page 7) Inside This Issue: Calendar of Events 2 9/30 Guest Speaker Barry Carlson 3 Welcome – Kris Loberg! 4 Annual Golf Tournament Pics 5 10/5 CE Seminars–Register Now! 6 Legislative Updates 7 LUTCF – September Discounts!!! 8 Also, remember to let Heidi Adams know by September 23, if you will or will not be attending our first 2016-2017 Association Meeting at the Alda Crane Center on Friday, September 30 th . Blessing, Michael Membership 9 IFAPAC – Contribute Today! 10 Sponsor Highlights 11 Board Members 13
Why We Joined NAIFA: It’s my favorite time of year! The weather is cooler, trees are starting to turn colors, and football is in the air! Go Big Red!!! First, I want welcome our newest member, Kris Loberg! We are thrilled that you are making the trip from Omaha to attend our September 30th Association Meeting and look forward to meeting you in person! (see Kris’s new member spotlight on page 4) Thank you to everyone who participated in and sponsored our 2016 Annual Golf Tournament! Jon Smith headed up the Golf Committee; who all worked hard to ensure the event was fun and successful. As you know, the golf tournament is our biggest fundraiser, and the funds raised are used for Scholarships, LIAM Advertising, Association Meetings & Speakers, Community Events, and so much more! (see pictures on page 5) Did you see who was in the paper this last weekend? That’s right all of you were! Make sure you are taking full advantage of Life Insurance Awareness Month to educate your clients on the importance of life insurance and its benefits.
Hastings Tribune Ad
Grand Island Independent Ad
Important: Registration for the 10/05/16 CE Seminars must be completed by September 21, in order to have access to presenter handouts. (see page 6 for additional details and a link to the registration form)
Vision & Mission Code of Ethics
IFAPAC
Coming Up: 10/5 CE Seminars (see page 6)
DOI Listening Sessions (see page 7)
Inside This Issue: Calendar of Events 2 9/30 Guest Speaker Barry Carlson 3 Welcome – Kris Loberg! 4 Annual Golf Tournament Pics 5 10/5 CE Seminars–Register Now! 6 Legislative Updates 7
LUTCF – September Discounts!!! 8 Also, remember to let Heidi Adams know by September 23, if you will or will not be attending our first 2016-2017 Association Meeting at the Alda Crane Center on Friday, September 30th.
July January No Association Meeting No Association Meeting
August February
8/26 – Golf Tournament Association Meeting Indianhead Golf Club Joint with Central 11:30 Sign In & Lunch | 1:00 Tee Time Date, Time & Location – TBD Get involved on a committee to help!
September March Life Insurance Awareness Month CE Meeting
2016 Annual NAIFA Conference Date, Time & Location – TBD
9/17 – 9/19 | Las Vegas, NV
Family Event
9/30 – Association Meeting Date, Time & Location – TBD
Joint with Central | CE Available Get involved on a committee to help!
8:45 a.m. at Alda Crane Center
October April 10/5 CE Seminars 2017 Insurance Leaders Forum
College Park in Grand Island Date, Time & Location – TBD
Kris is a Regional Sales Manager with Assurity in Lincoln, NE, and her industry focus is on Workplace Voluntary Benefits. She actually resides in Omaha and commutes to Lincoln when she is not traveling throughout Nebraska, North Dakota, and South Dakota to meet with clients. In addition to being a NAIFA Member, Kris is also a member of NAHU (National Association of Health Underwrites) and is currently a Board Member on the Lincoln Association (LAHU).
Kris has two children, Skylar (11) and Jacob (16). Yes, he is now driving (mostly in Omaha); which is scary and exciting at the same time. In her spare time, Kris enjoys:
Spending time with family & friends
Exercise
Exploring new places to have dinner and a glass of wine
Traveling—she has been to Madrid, Spain; Sydney, Australia; and Rome, Italy
Did You Know? Workplace Voluntary Benefits are valuable, cost-effective benefits which provide employees with a financial safety net for unexpected health expenses or pre-mature death. Employers can choose to pay for the benefits or allow employees to payroll deduct the premium. For example:
Life Insurance (i.e. term, whole life, universal)
Health Insurance (i.e. accidental, disability, critical illness, hospital, indemnity)
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2016 Annual Heartland Golf Tournament
Friday, August 26, 2016 – Indianhead Golf Club
12 Teams Participated!
Thunderbirds for Life Ellerbrock-Norris Financial Primark Insurance Agency
Thanks for the awesome
lunch Indianhead!
YUM!!!
Hole In One Eagle Eye!
All Were Winners…..but official placement was:
First Flight – 1st Place
Primark Insurance Agency Second Flight – 1st Place Rogers Benefit Group
First Flight – 2nd Place
OCI Second Flight – 2nd Place
Yellow Van
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10/5 CE Seminars
NAIFA-NE CE Seminars Wednesday, October 5, 2016
IMPORTANT: Register by Wednesday, September 21, in order to have access to presenter handouts.
Register Online Today! o CE Seminars Online Registration (Tax Updates and/or Top 10 Mistakes) o Grand Island DOL Workshop Online Registration
Print, Complete, & Mail in your Registration Form
Seminar Opportunities Include:
“Tax Updates & Social Security Tax Issues” Bob Bryant is back with another tax update that will hit on annuity income to trusts, R.M.D., tax planning before death, social security tax issues and benefit options, Obama health insurance, new wage limit for overtime payment and more.
9:00 a.m. – 12:00 p.m.
3 CE Hours Approved
“The Top 10 Mistakes Made in Estate Planning and How to Avoid Them” You will learn how to avoid making costly mistakes in the estate planning process, so that estate administration (post-death) is not complicated, expensive or contentious.
1:00 p.m. – 4:00 p.m.
3 CE Hours Approved
“The New DOL Fiduciary Rule” This is a live workshop facilitated by Terry Headley. If you are an advisor working with qualified plans and IRAs, the new DOL fiduciary rule will impact your practice and clients. In this live workshop you will learn how the rule impacts you, understand the rule’s requirements and restrictions, develop strategies to implement the rule within their practices and become compliant while best serving the needs of your clients.
1:00 p.m. – 5:00 p.m.
4 CE Hours Approved
Cost & Location:
$25 for CE (morning, or afternoon, or both sessions)
$195 for DOL Workshop (includes morning session)
College Park 3180 W. Highway 34 Grand Island, NE ***Lunch will be provided.
Government-Wide Funding Issues Congress will spend most of September trying to resolve government-wide funding issues, with a catch-all spending bill expected prior to (or at) the deadline by which new government funding must be authorized (or the government will shut down). That deadline is September 30, the end of the government’s current fiscal year. Senior Safe Act Bill (H.R. 4538) On July 5, the House of Representatives approved the Senior Safe Act, H.R. 4538, a bill aimed at “protecting financial advisors from liability when they try to stop the financial exploitation of seniors.” The bill passed by voice vote. NAIFA worked closely with bill sponsors to craft rules that work for both seniors who are at risk for abuse and the financial advisors who work with them. The House-passed bill was patterned on a measure by Sen. Susan Collins (R-ME), who says she hopes the measure can win Senate approval before this Congress adjourns later this year. NAIFA supports the bill. Background on the Employer Health Insurance Premiums Exclusion Congress is currently considering healthcare reform proposals that would eliminate or place a cap on the employer-tax exclusion for health insurance. NAHU is very concerned about these proposals as they would undermine the employer-sponsored health insurance system that provides coverage for more than 175 million Americans. Eliminating the exclusion would eliminate most of the advantages of employer-sponsored insurance, while capping it would degrade the benefit and serve as a tax increase for middle-class Americans.
ACTION NEEDED: NAHU opposes any efforts that would eliminate or cap the employer-tax exclusion for health insurance. While various pieces of legislation are currently pending in Congress that address the exclusion, NAHU is asking all members to urge their federal legislators to oppose any efforts that would eliminate or place a cap on the employer tax exclusion. Contact Congressman Adrian Smith Today!
Listening Sessions Offered by the Department of Insurance Many Nebraskans have questions about insurance and how it affects their family or business. In order to answer their questions, the Department of Insurance has scheduled listening sessions to update consumers on changes in the market and will have experts on hand to speak about the recent changes in the Affordable Care Act also known as Obamacare. The listening sessions will consist of a brief discussion on the following topics:
The ACA and the Future
Health Insurance Options for individuals and small businesses
2017 Premiums
Property and Casualty Insurance There are 15 listening sessions throughout September and October in several locations across Nebraska; including Grand Island (9/29) and Hastings (9/29). See page 2 of the DOI Press Release for all available times and locations.
The Life Underwriter Training Council FellowSM (LUTCF®)
September Discounted Rates!!!
When you enroll in the LUTCF Designation Program in the September 2016, you will receive the following discounts:
$100 off a Single LUTCF Course + an additional 15% off = $697.00 (Retail Price: $920.00)
$300 off the Full LUTCF 3-Course Program + an additional 15% off = $1,729.75 (Retail Price: $2,335.00)
Program Summary: The College for Financial Planning and NAIFA have partnered to bring you the nation’s top credential for new agents and advisors, the LUTCF® designation. The Life Underwriter Training Council FellowSM or LUTCF® program provides you with the background you need in order to ensure a successful career in the insurance business. The program focuses on fundamental prospecting, selling and practice management skills, plus working knowledge of the four practice specialties. These are essential skills for new agents and advisors that can make or break your career. Need more proof? 50% of the students enrolled in the LUTCF® designation program made a sale as a result of a Course 1 homework assignment!
Why Choose the LUTCF®? The new LUTCF® is right for you if you identify with one or more of the following:
You are new to the industry and are looking to develop fundamental prospecting, selling and practice management skills, plus working knowledge of the four practice specialties.
You are a financial professional seeking a broad understanding of the insurance industry and how it can impact financial planning and advising.
You are an insurance agency or home office staff seeking a comprehensive overview and an understanding of the business aspects of the industry.
When you enroll in the LUTCF® program, you’re investing in yourself!
Learn more at CFFPinfo.com/LUTCF Classes are now available—click here to ENROLL TODAY!
Members & IFAPAC Contributors: Thank you for your continued support to help our association advance the legislative and regulatory interests important to all of us!
Heidi Adams Todd Anania Judy Barnes Duane Biede Kristy Cavanaugh J.J. Green Matt Green John Haynes Steve Heath Paul Hoos Rodney Hunt Michael Hutchinson
Craig Marmie Dennis McCarty Tim O’Conner Tom Reisdorph Randy Rhodes Steve Ryan Greg Sanchez Mary Santin Allen Sjuts Dave Skutnik Diane Skutnik Jon Smith Randy Spiehs Tom Strand Patti Wissing Denise Wray Dan Yost
Members:
Kevin Armstrong Ty Benton Jeb Brant Brad Carlson Nate Casey Justine Cockerham
Linda Cruikshank Martin Demuth Sean Gellatly Alfredo Guerrero Shannon Hannappel Lisa Huismann
Jeremy Jensen Holly Johnson Steven Johnson Tracy Kennedy Rocky Kershaw Tony Larsen Cory Lenners Kris Loberg Dayla Mamot-Sack Erin Marick Julie Meier James Meyer Lee Mohr Thomas Mortimer Scott Norlen
Mary Place Terry Regan Stacey Rust Vincent Ryan Kay Sawyer Kyle Sawyers
Larry Schanaman Laura Schneider Matthew Schultz Don South Mike Theis Denise Zabka
Become an IFAPAC Contributor Today!
There is no better time than Now and contributing is EASY!
Online Contributions (via Debit or Credit Card)
Check or Monthly Bank Draft Contributions (see page 10 for Contribution Form)
Learn more about IFAPAC here. If you need assistance logging in to the NAIFA Website, contact Heidi Adams.
Thank You to all of our Corporate Sponsors! To access a sponsor’s website, click on their logo.
APPS-Portamedic is the largest provider of paramedical services for gathering information to be used in underwriting of life, disability, and group insurance. They lead the industry through technology advances such as Smart Paramed—electronic data-collected exams—to further enhance the exam experience.
LIFE HAPPENS. When it does…make sure you know who to turn to for help…Auto Glass Pros! Your safety, and maintaining the original integrity of your vehicle after a windshield, side, or back glass replacement is guaranteed! 5 Locations: Grand Island • Hastings • Kearney • Omaha • Lakewood, CO
We consider ourselves the “boutique” of insurance brokerage companies and appreciate building relationships with individual agents and brokers looking for high quality insurance and investment products. We have a General Agency relationship with Transamerica Life Insurance Company, but we also offer contracts with several other companies offering Life, Health, Long Term Care, Annuity, and Disability Insurance products.
Our experienced service department & body shops will keep your vehicle in top condition. We use the latest technology to provide high-quality service and quick turnaround. Our technicians are highly skilled and have years of experience. Most of all they love cars and care about yours. 5 Locations: Grand Island • Hastings • St. Paul • Kearney • North Platte
Headquartered in Omaha, NE; McGill, Rediger & Simmons is a nationally recognized wholesale brokerage firm in the life, disability, annuity and long term care markets and represent over 50 carriers. Our mission is to deliver the industry’s best products, underwriting, service and commissions to brokers everywhere. We analyze product and carrier quality continuously which enables us to point you in the right direction on a case by case basis.
OCI Insurance and Financial Services, Inc. has a simple philosophy: “To help insurance professionals in the confusing and complex world of health insurance and employee benefits.” OCI is a full service general agency for Individual & Group Health Insurance, Worksite Benefits, Payroll & HR Services, and more.
For 50 years, Paul Davis Restoration of Central Nebraska has solved Grand Island‘s disaster restoration and remodeling needs. From flooding to fires and frozen pipes, Paul Davis has responded with 24-hour emergency service to restore calm in the most chaotic of events. We are here to serve you in every capacity, providing excellent customer service and a quality end product.
Since 1981, Yellow Van Cleaning & Restoration has been serving South Central NE with professional carpet cleaning, fire & smoke restoration services, and water/mold cleanup, as well as upholstery & leather cleaning, wood/stone/tile cleaning, air duct cleaning, & in-shop Oriental Rug cleaning for both commercial and residential clients. So when an accident or disaster occurs, don't feel alone. We’ll be there for you, no matter what time of the day it is. 3 Locations: Grand Island • Hastings • Kearney
Know someone that might be interested in being a Corporate Sponsor
