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

April 2014

Director of MarketingChristie Gibson

EditorsRoberta Boyd King Christine Perrenot

Social Media & SEO SupervisorGina Circelli

Graphic DesignerJohn Begg

E-maileditor@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 e-mail agencyservice@torchmarkcorp.com

Supply Order Fax469-525-4290 attn: agency supply

Supply Order E-mailagentsupply@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.

MY E-APP REWARDSAre you a newly appointed Agent? Are you iGO e-App® certified? Are you earning e-App reward points? The e-App Reward Contest for newly appointed Agents is underway, and we’re excited so many new Agents are participating.

Who Qualifies? � All iGO e-App certified UA and First UA Agents newly appointed Jan.1, 2013, through June 28, 2014.

Contest Rules: � Contest period is April 1, 2014, to June 30, 2014.

� Each dollar of Medicare Supplement NAIP counts as ONE earned point.

� To count toward reward points, applications must be submitted on the iGO e-App within the contest period, and policies issued no later than July 14, 2014.

� Points earned are at the Writing Agent level. � Disability, underage 65 Medicare Supplement policies do not qualify for points earned.

� In New York, policy replacements, including the replacement of Medicare Supplement and Medicare Advantage plans, do not qualify for points earned.

� Contest not available to Washington State Agents.

Remember, you now have two options to earn iGO e-App certification — register for a certification webinar with e-Applications Director Dave Oliver OR take the e-App Certification Brainshark. Go to the UA General Agency Office website and register.

Log on to www.awardlink.com/UAI to review complete program rules, prize catalog, and to track your e-App Reward points. To gain access, enter your Agent number to set up your personal ID and password. Got questions? Call Agency Service at 800-925-7355 or e-mail agencyservice@torchmarkcorp.com.

WE’RE COMING TO SEE YOU! Have you signed up for a live recruiting/training workshop? The last week in April, Ryan Sykes, National Director of Sales & Recruiting, and Henry Vazquez, Assistant Director, will facilitate meetings in Colorado, Arizona, and Nevada.

� April 28 - Aurora, CO � April 29 - Colorado Springs, CO � April 30 - Lakewood, CO � May 1 - Phoenix, AZ � May 2 - Henderson, NV

Workshops run from 9 a.m. to noon. Go to the UA General Agency Office website under, ‘We’re Coming to See You’ and click ‘View Schedule’ for exact locations.

IT’S THE SECOND QUARTER!Did you have a good first quarter? If you did … GREAT! If you didn’t, think about what you can do to change the outcome for the rest of the year. Contact your Recruiter or Director anytime if you have questions or concerns, or simply need a little extra push. SVP Chuck Mankamyer and the entire Home Office team are great cheerleaders and here to inspire you whenever you need it!

INTEREST RATES SET The Lifestyle Annuity rate for April 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.

WORDS OF WISDOM

“ Live your life each day as you would climb a mountain. An occasional glance toward the summit keeps the goal in mind, but many beautiful scenes are to be observed from each new vantage point.”

~Harold B. Melchart2 April 2014 NEW GROWTH

Ryan Sykes

Henry Vazquez

Spring is here. The grass is turning green, and the trees are blooming, so it seems like the appropriate time to talk about growth … growth for you, your Agency, and your production.

We talk a lot about recruiting. After all, recruiting is what keeps United American and First United American strong and productive, just the way it keeps your Agency thriving. Bringing new people on board can change the whole dynamic of your team. New people with creative ideas and inventive ways of doing things can be just what you need to kick things up a notch.

I LOVE RECRUITING! Being able to offer the UA or First UA opportunity to new Agents is always exciting for me, especially when it’s at a live workshop where I have the chance to meet, greet, and answer questions. I think I enjoy it so much because I’m fully aware of the tremendous possibilities for success that potentially lie ahead for recruits. They can truly create a long-term income stream selling UA or First UA products. For instance, if a new Agent generates $5,000 to $10,000 NAIP a month his/her first year and doubles that in the second or third year, what would that mean in overrides now and in the future? It means big money for Writing Agents and General Agents and a good night’s sleep for thousands of policyholders who know they’re well protected. I’ve been there, and it’s exciting every single

time another Agent wants to pursue that path, a path so many successful General Agents and Writing Agents have followed. Recruit three new Agents a month and build a dynamic organization. With 10,000 Seniors turning 65 every day in the United States and many needing a Medicare Supplement, that’s a lot of potential!

Where do you find good recruits? Everywhere! And that’s the mindset you need to have if you’re going to bring good people into your Agency. Consider the fact that everywhere you go you can potentially find quality people to join your team. And they don’t have to be of any certain age or gender. Check out pages 6 and 7 for more insight on the recruiting process and be sure to read pages 8 and 9 to see why the Agent Appointment Automation System is such a big plus for recruiting.

E-APP REWARD CONTESTWe kicked off the e-App Reward Contest this month and it’s already generating lots of interest and activity among our newly appointed Agents. A little extra incentive never hurt anyone … especially when it’s in addition to our outstanding commission structure. The contest runs through June 30, 2014, so all you new kids on the block have plenty of time to turn those e-App Reward points into great prizes from the online catalog.

PROMOTE MEDICARE SUPPLEMENTS We’ve survived the initial rollout of the Affordable Care Act (ACA) and made it past the deadline for enrollment. Those of you who work every day selling Medicare Supplements can’t help but feel concern for those selling Medicare Advantage plans. Based on what I’ve read in recent months, Medicare Advantage is still being hit hard by cuts, potential cuts, and general uncertainty about its future. My advice to those selling Medicare Advantage? Concentrate your time and energy on promoting Medicare Supplements. Medicare Supplements are:

� Guaranteed renewable as long as premiums are paid on time

� Accepted by any doctor, hospital, or medical facility that accepts Medicare patients

� Not directly affected by cuts related to the ACA

With April here already, June is not far behind. Many of you are looking forward to the 2014 Convention in New Orleans. It’s a fantastic place to party and offers some of the best food and music on the planet. But if you didn’t qualify for New Orleans, set your sight and your production on Boca Raton for 2015. Pump up the volume through the next three quarters and get ready for the sunshine state!

NEW GROWTH April 2014 3

Charles Mankamyer Senior Vice President / General Agents

UNITED AMERICANAbrams, AllanAdams, PatriciaAgliano, John B.Allen, Patricia W.Alli, Gerald D.Allred, Tomas E.Ammagui, Mohammed S.Amodeo, Frank A.Amstadt, Robert B.Ansted, John C.Anthony, Jimmy J.Atwood, Cecil W.Avoine, NormandAyers, Diane L.Baccus, TroyBailey, Monica V.Baker, Mark J.Baker, RonaldBanas, RaymondBansag, Eddie E.Barnett, David T.Bartz, Roger J.Beach, Barbara H.Benedeti, Juan C.Berlin, LouisBerry, Gerald L.Blackburn, KailaBlackshear, Lester R.Blanchard, DrisillaBo Tran, SothearaBohanan, Lisa B.Borawski, Mike S.Box, Floyd A.Box, Mark A.Bradford, Marva L.Braschler, Joel R.Brewer, Mary T.Bright, Lawrence G.Briseno, RaulBrockmire, William A.Brogan, Francesca M.Brown, Robert T.Brown, ShawnBrownstein, ArlenBurchfield, James A.Burkhalter, StephenBurrell, ClarenceBurt, Travis R.Burton, John F.Busch, LisaBush, PatriciaButler, BrianBytnar, Theodore G.Cabble, James J.Caplin, Jeffrey A.Carhee, Winston K.Caridi, PeterCarlos, AlfonsoCarroll, Priscilla L.Caudill, MichaelChang, Timothy W.Chapman, AmandaChen, Diane E.Cheng, ShifaCherry, Saundra R.Chiszar, Alfred E.Clark, GeraldineClark, Melissa A.Clarkson, Carol A.Clements, RobertCohen, MauriceColes, Dudley W.Congdon, JeanneConnolly, ShawnCordle, Trudy C.Covington, Donald

Cox, Dian B.Craighead, William E.Cretu, JonCrosby, Lorin G.Cuahonte, MyronCurrier, Reynold A.Czajka, CharlesDabolt, Barbara L.Dahl, Sterling G.Daigle, Suzanne L.Darany, Michael A.Darley, MarshallDavis, John L. Jr.Davis, Michael S.Davis, SonyaDavison, Douglas P.Dayton, JakeDecker, Karrie A.Deloureiro, Christine M.Demeis, NatalinaDent, MichaelDesir, NarlynDikic, DajanaDillon, Robert H.Dimond, John R.Dobbs, Robert B.Domingo, John M.Dorta, Rolando H.Drummond, James A.Dudek, Andrew C.Dwyer, WayneEarhart, LarryEast, Douglas A.Eley, TrinaElliott, John M.Enders, Donald E.Eppy, JosephErickson, Thomas R.Eschenbrenner, John J.Escobar, FelipeEttmyer, Russell W.Evans, Leon R.Fajardo, Sandra S.Farmer, Betty A.Fatur, Ruth O.Ferraro, AlexFerrer, Richard J.Fiala, Susan A.Fiscelli, Arnold R.Foncannon, Ryan K.Fong, HarryFrancis, LeonFreeman, Adriana R.Frye, Robert L.Gabelman, Mark W.Gabriel, HerveGabriela, SilvanaGant, Ronnie K.Gardner, William Edward-JosephGhanti, Jayaprakash N.Gibson, Doris L.Glisson, Allison M.Gold, Edward G.Goldin, BruceGoodfellow, EdwardGordon, Richard L. Jr.Gratton, Kristen K.Green, Darren M.Gregory, Judy L.Griffin, Macoy N.Griffin, Wesley W.Grissum, Bryan T.Gritsonis, GeorgeGrizzle, Carl F.Grolli, PaulGrossman, Richard

Growdon, William A.Guess, John D.Guess, Nancy K.Guidance Insurance Group, Inc.Haag, Sharon K.Hadley, Robert E.Hagan, LynneHaines, Kimberly K.Hales, Larry M.Hall, Jeffrey E.Hancock, Joe I.Hanifin, Donald, E. Jr.Hanna, MagdyHansen, Patricia L.Harris, Angela D.Harrison, Nancy H.Hauptrief, Jesse W. Jr.Haydu, George A.Hayes, Edward F.Healion, AndrewHealy, Daniel W.Heikens, Michael W.Helle, RichardHendrickson, Robert L.Henry, Kevin A.Hernandez, CorinaHeupel, David E.Hill, Howard A.Hill, James D.Hines, DanielHirsh, HaroldHobbins, Thomas W.Hoerner, JoeHofmann, JonHogue, Elizabeth A.Hokstad, Doug W.Hoppe, William F.Horn, SeanHornsby, Hugh M.Hoskinson, John R.Hovanic, Michael J.Hubbs, Christopher W.Hurry, Allan L.Hurst, JamesIbbetson, Ruby A.Ivanich, Daniel L.Jackson, Jerry D.Jackson, Tamara K.Jackson, Walter E.Jarad, Rateb M.Jemison, Daniel M.Jenkins, JosephJenkins, Michael C.Johnson, RodellJohnson, Susanne E.Joiner, Michelle D.Jones, Larry G. Jr.Jones, Deirdre R.Jones, Jennifer I.Jones, Lisa G.Jordan, LucealKazin, James A. Sr.Kee, RosanneKeehn, Robert S.Kennedy, James W.Kerney, Vincent J.King, Stephen G. Sr.King, JefferyKlosterman, Donald L.Knauer, Bobbie B.Knight, John F.Kok, Heather L.Koltun, Lawrence F.Konopa, Theresa E.Krpata, Donald C.Labuzetta, John R.Lagamma, Vincent J.Lamb, Melvin R.Landers, Debra L.Langley, Kenneth

Lanni, Vincent A.Lapetina, JosephLaryea, VictorLassiter, Michael W.Lattrell, Danny J.Layton, ShirahLeach, Ivy L.Leal, JeremyLee, Gregory M.Lee, JimLehman, Richard A.Leibowitz, Alan S.Leibowitz, Wayne S.Lemons, DavidLevine, Howard E.Levis, RichLevy, Vilma G.Lilly, Carol D.Lombardo, Cassandra A.Long, Charles R.Lopez, Emilio J.Lott, SharonLoupe, Donna L.Lugo, RobertoMai, PinkhamMaira, Alexander N.Mannoni, AudreyMaquera, Stella-Marie BazaMassaro, Pamela C.Mattingly, JamieMattingly, Kenneth P.Maupin, Nancy L.Mazza, AbrahamMcAuliffe, Moira L.McCullough, Richard M.McGill, Damien S.McGoldrick, Michael M.McKibbin, MarilynnMedina, Jess Jr.Meertins, GordonMicciulla, BruceMiddleton, Edward L.Midwest Benefit Advisors, Inc.Misiaszek, Martin T.Mitchell, Gregory L.Mitchin, LawrenceMoats, Dwight W.Moebes, Thomas F.Montgomery, RobertMooney, Roxanne M.Moore, Jeffrey A.Moore, Willie E.Morris, Gina H.Morris, Susan E.Morse, Mildred S.Mullen, Joseph F.Murray, Sharron L.Myers, LenardNapolitano, Mary M.Nelson, BryanNevels, KeithNicklas, David P.Nicklas, Paul J.North, Morgan D.Ockenfels, Lauren G.Oliver, DonovanOlson, Leonard A.O’Quinn, Steve W.Osborn, JarrettPallekonda, JayachandPalte, William D.Patrick, Nancy M.Paulet, VirginiaPedersen, MogensPerdue, Kirt E.Peri, LouisePerry, Robert E.Peterson, ThomasPetras, Jo L.Phillips, Joyce A.

Pippow, Gerhard O.Pitcher, Gregory A.Poindexter, Glynn R.Polatis, Christian J.Polk, Daryl E.Porter, Russell W.Powell, Donna L.Powell, Jarrett O.Primo, Juan A.Pugachevsky, EvgenePyle, David J.Rabin, Bruce D.Rainey, WandaRay, Tommy L.Redding, Patricia D.Retzlaff, William C.Riccardi, Victor L. Jr.Richardson, Patricia A.Robbins, Paul L.Roberts, James J.Roberts, KellyRodriguez, ArielRojas Bracho, DavidRolling, TerranceRolnick, MarkRosenstengel, Chadwick N.Rossi, RaymondRubin, Susan H.Ruby, Lawrence H.Rudolph, Dianne C.Rusling, John B.Ryan, Michael A.Saez, PierreSafanov, ValerySales, MauriceSalge, ChrisSalter, Sheppard C.Sanchez, Dominga T.Sanchez, JaneSander, KimberlySandifer, JeanSaull, Michael H.Schrader, Timothy J.Seay, Charles F.Seeman, Debbie L.Sellers, Charles W.Senteney, BrianShaffer, Donna J.Shane, Ronnie L.Shavinski, Richard J.Sherman, Warren D.Shires, Michael W.Shuck, ChandraShuffield, Dolores E.Shurtleff, Lynn C.Sifers, Christopher W.Sigmund, ToddSills, Ronald V.Silverman, BarrySimonsen, KimmarieSinyard, Claude L.Smiley, Gary E.Smith, Gary L.Smith, Mary C.Smith, SheilaSnyder, JosieSoder, Keats E.Sollars, Albert J.Specht, JeremySpratt, Neoma A.Staple, ImeldaStarrett, June M.Stegen, Steven E.Stewart, Harry T. Jr.Stewart, DennisStewart, Millard L.Stickler, Roger D.Stitz, Drew K.Stonebraker, Richard G.Stover, James L.Studstill, Vernice W.

Summers, Mark A.Swinton, JamesTaylor, John A.Taylor, Robert K.Terilli, Elio M.Terry, Sedrick O.Theodat, CliffordThompson, Margaret H.Tidwell, Jewel A.Tiene, MackensonTorres, Andrea A.Toye, Shannon D.Trent, GeraldineTurko, SallieTurner, Jana T.Turner, William M.Udoh, Veronica I.Utley, Donald E.Vatske, Albert I.Vaughn, Joe B.Vaughn, WilliamVeatch, SharonVenturella, Charles R.Vercher, Johnny D.Vicari, Michael J.Vickery, Shelly M.Vicknair, Ken L.Vidal-Salinas, Cesar A.Vigar, Jim L.Villa, Beverly A.Walker, Roger M.Walker-Avoine, Evadney E.Ward, Keita M.Wassmer, MarkWeaver, Curtis L.Wells, Johnny R.Wells, RickWhaley, Charles B.Wheeler, Edith C.Whelan, Susan M.White, Mathew R.Wiley, BennieWilford, DarrellWilliams, John J. Jr.Wilson, Tanya R.Wolfe, ChanningWoodward, ThomasWorters, Melvin R.Worthy, Phyllis A.Wright, BenjaminYork, Daniel L.Zachery, Chanda L.Zaffke, Lynn

FIRST UNITED AMERICANBellamy, Russell A.Catanese, RobertChisholm, Fitzroy A.Demario, Gregory J.Demeis, NatalinaFalci, Victor A.Gomez, Victor H.Headrick, Dennis W.Highland, SharonHouser, Timothy S.Johnson, Robert A.Khottavong, JimKoopman, Elvera A.Meli, Corinne L.Moran, PaulO’Leary, Lisa D.Perry, Kathleen C.Rivera, Lisa M.Silliman, StephanieTietjen, Gary B.Virts, Mallory A.

WELCOME TO:W E ’ R E H E R E T O S H A R E O U R

T O O L S A N D E X P E R I E N C E T O H E L P Y O U G R O W W I T H U S !

4 April 2014 NEW GROWTH

BOCALIFE IS

BIGIN

MARK YOUR CALENDAR FOR CONVENTION 2015!

JUNE 18-21, 2015See you t here!

Are you fired up for Convention 2015 in stunning Boca Raton, Florida? Before you know it, you’ll have your toes in the sand at the world famous Boca Raton Resort and Club. From luxurious beaches to scenic golf courses, the city has countless fabulous destinations for visitors!

Want to show off your impressive golf swing? Osprey Point Golf Course, located in Burt Aaronson South County Regional Park, is a scenic 27-hole golf course featuring environmental turf grass.

Red Reef Park is one of the most popular places to swim, surf, or watch the sun set.

Got the need for speed? Buckle up on a Loxahatchee Everglades Airboat Ride.

Take in killer views of the turquoise ocean waves at South Inlet Park Beach. This beach is recognized as a top spot to snorkel and explore the fascinating Florida ocean life.

Ready for the adventure of a lifetime? With hundreds of charter boat companies to choose from, you and your fellow Agents can go deep sea fishing and catch trophy fish!

Interested in some retail therapy? Think you could make a fashion statement at any of the 220 upscale shops at Town Center of Boca Raton? Revamp your style with designer labels at this premier shopping destination.

Sources: http://www.pbcgov.com/parks/sports/golf/ospreypoint/, 2013NEW GROWTH April 2014 5

WHY DO AGENTS LEAVE THE INSURANCE INDUSTRY?

¦ Retirement? ¦ Downsizing? ¦ A more appealing career opportunity? ¦ Industry insecurity created by the Affordable Care Act?

Whatever the reason, Agents are leaving or never starting in the first place. According to an article in Life Insurance Selling, “Thanks to negative perceptions about the profession, a lack of awareness about rewarding careers, and a limited pool of trained talent, graduating students fill no more than 15 percent of the industry’s hiring needs. The tendency to overlook insurance careers by both the Millennial Generation and Gen Xers between ages 30 and 51 creates an enormous challenge for an industry that anticipates a 50 percent workforce turnover in the next 15 years.”

LOOK TO EXPERIENCE!While bringing younger generations into the industry is critical, don’t overlook experience. Older Agents may want a new challenge or simply to work with a different customer base. Don’t disregard them. They are:

✔ Competent, capable, motivated ✔ Already experienced in the ‘dos’ and ‘don’ts’ of insurance sales ✔ Immediately productive ✔ Mentors for younger, less experienced Agents

Older Agents may not remain with you for 20 years, but they can make a profound difference to your success while you have them. And don’t restrict yourself only to seasoned Agents. Older people from noninsurance backgrounds who are willing to put in the time and effort to earn a license can significantly increase your bottom line.

THE TIME IS NOW!According to the U.S. Department of Labor, Bureau of Labor Statistics:

Quick Facts: Insurance Sales Agents

2012 Median Pay $48,150 per year $23.15 per hour

Entry-Level Education High school diploma or equivalent

Work Experience in a Related Occupation Not Required

On-the-job Training Yes

Number of Jobs 2012 443,400

Job Outlook 2012-22 More than a 10 percent increase

Additional Jobs 2012-22 45,900

It’s important to recruit younger Agents into the industry, and those top three categories should make new graduates sit up and take notice. Where else can you make almost $50,000 a year with only a high school education and no previous experience?6 April 2014 NEW GROWTH

LOOK TO EXPERIENCE!While bringing younger generations into the industry is critical, don’t overlook experience. Older Agents may want a new challenge or simply to work with a different customer base. Don’t disregard them. They are:

✔ Competent, capable, motivated ✔ Already experienced in the ‘dos’ and ‘don’ts’ of insurance sales ✔ Immediately productive ✔ Mentors for younger, less experienced Agents

Older Agents may not remain with you for 20 years, but they can make a profound difference to your success while you have them. And don’t restrict yourself only to seasoned Agents. Older people from noninsurance backgrounds who are willing to put in the time and effort to earn a license can significantly increase your bottom line.

THE LADIES HAVE IT!The insurance industry employs a lot of women, but a large percentage of them are in support or administrative positions. Is there a good reason for it? Absolutely not!! Women are a great fit for a career in insurance sales:

♀ Women have good people skills: Building strong relationships with customers is a huge part of successful sales. Women have natural social skills and acute emotional antennae, which make them ideal candidates for sales success.

♀ Women are good listeners: Women are generally excellent listeners – an important trait in salespeople. Being able to listen to the needs of a customer — really listen — is an important part of building a lasting and trusting relationship.

♀ Women empathize: A recent study showed middle-aged women were extremely empathetic – more so than most people (male or female). Empathy is a great quality to have in sales because it helps the seller relate to the buyer, which helps the seller provide the buyer with exactly what the buyer wants or needs. This quality builds trust, encourages loyalty, and builds credibility.

♀ Women love the flexibility of insurance sales: Because it’s not a ‘9 to 5’ career, insurance sales allows women the flexibility to coordinate home, family, and career in a way that works for them.

Source: http://management.fortune.cnn.com/2013/03/27/college-graduation-gender-salaries/ http://www.lifehealthpro.com/2012/07/01/facing-up-to-an-aging-producer-workforce; http://www.bls.gov/ooh/sales/insurance-sales-agents.htm; http://www.careerealism.com/reasons-women-make-great-salespeople/

THE TIME IS NOW!According to the U.S. Department of Labor, Bureau of Labor Statistics:

Quick Facts: Insurance Sales Agents

2012 Median Pay $48,150 per year $23.15 per hour

Entry-Level Education High school diploma or equivalent

Work Experience in a Related Occupation Not Required

On-the-job Training Yes

Number of Jobs 2012 443,400

Job Outlook 2012-22 More than a 10 percent increase

Additional Jobs 2012-22 45,900

It’s important to recruit younger Agents into the industry, and those top three categories should make new graduates sit up and take notice. Where else can you make almost $50,000 a year with only a high school education and no previous experience?

NEW GROWTH April 2014 7

“The Agent Appointment Automation System has given

my team the opportunity to increase recruiting results by approximately 20

percent per year! For the General Agent wanting to build an Agency, this system could simplify the contracting process and impress the new Agent with our timely technology.”

~Chuck Mankamyer, SVP, UA & First UA General Agents

“As a recruiter I feel it’s so much better than paper

applications. The appointment process is much faster; I have had

Agents appointed in as few as six hours! It makes my life easier — no more chasing

down Agents for things missed on paper applications (signatures and other info),

because the automated application won’t let you continue if there are errors.”

~Michael O’Neill, Agent Recruiter

“Our Agent Appointment Automation System is intuitive

and has really helped streamline our appointment process. I have

seen Agents get appointed within 24 hours of filling out our automated application. I have even seen some

appointed in as little as five hours!”

~Michael Surrano, Senior Recruiter

“Considering the fast-paced lives most of us lead, automation is crucial for increasing efficiency.”

~Val Bonitto, Administrative Assistant

“I’ve used UA’s Agent Appointment Automation System

quite a few times to get sub-Agents appointed with our Agency. All I can

say is … WOW! It’s super fast and easy for me and for my subs. In our business, time is money, so the less time we spend

filling out paperwork the better!”~Todd Concklin,

LRC & Associates

“With all of the privacy issues going on today, we have

upgraded our recruiting systems to protect you from day one.”

~Ryan Sykes, National Director of Sales & Recruiting

“I love the automated appointment system, because the application is sure to be

complete when I get it; it doesn’t let you advance to the next step if something is not done correctly. I

often have fun with the Agents as I walk them through it. Every single one of them has fun with the last

page when they’re signing the application. I get funny descriptions on how the signature looks like 'trying to sign

with the old Etch-A-Sketch', or 'looks like a chicken did it!'. I’m also able to confirm receipt of the application

when they submit it. Ain’t technology grand!”~Carol Hill-Frazier,

Agent Recruiter

“The automated appointment system eliminates

the hassle of paperwork, saves valuable time, and can get

Agents selling and earning money with UA faster than ever!”

~Alyssa Church, Agent Recruiter

Whether you want to save time, trees, or both, Agent Appointments can help. Getting Agents appointed quickly and electronically makes the process fast and efficient for everyone. Here’s why SVP Chuck Mankamyer, our Eagles, Directors, and Recruiters think you should make regular use of this terrific, easy-to-use tool.

savetimeandtrees!

8 April 2014 NEW GROWTH

“The Agent Appointment Automation System protects an Agent’s

personal information and is the fastest way to complete and submit

error-free appointment paperwork. It’s easy to link new Agents with existing

General Agents, and the entire process is easily managed.”

~Thomas Hall, Regional Director“Our Agent

appointment system makes getting appointed

so much easier for our Agents, which enables them to get access

to training and our iGO e-App® in less time than before!”

~Lincoln Powers, Recruiter

“Speed and accuracy is of top importance when

dealing with Agents. The automated system prevents errors and speeds

up the process. Without the system, we would be more limited in our

ability to achieve success.”~Bob Lochard,

Assistant Director

“The automated system has streamlined the Agent appointment

process, greatly reduced paperwork, and has really shortened the time from submission

to appointment. What I really like, compared to the e-mailed PDF contracting, is that the forms are

all completed properly and all pages are submitted at once. New Agents are very impressed by how quickly

they get their Agent number and the ability to get going right away. It’s a real plus for Agency building! Thanks

to Cara Randolph and Juliann Pagoria for their diligence in creating the automated appointment

system and their ongoing Agent support.”~Jon Ahlbum,

The Ahlbum Group

“United American’s Agent Appointment Automation

System is lightning fast, extremely simple, very efficient, and absolutely makes it easy for any Agent/Agency

to do business with us by contracting the Agent in record time.”

~Henry Vazquez, Assistant Director

“The automated appointment system not only

saves time but also money, because it makes us more productive. It is simple and easy to use; it's virtually error free. It

eliminates all the paperwork being faxed back and forth. No more hunting down missing

information, missing pages, missing signatures, YEAH!! The focus of our attention stays with

training new Agents and on the UA product line, not worrying about paperwork. It’s easy,

efficient, and paperless! Way to go, UA!!”~Robert Wroblewski, SOS Insurance Group

“Even those technologically challenged

find the automation system easy to use. It’s simple! Seamless!

And only takes five minutes.”~Danielle Kirschner,

Senior Recruiter “The Agent Appointment Automation System is the first step

toward getting an Agent contracted with United American. The ability to seamlessly send

an appointment application to an Agent in an e-mail before, during, or after a live conversation gives me the ability to build rapport with Agents

while walking them through the application. The automated system is a vital part of the

appointment process for our new Agents.”~Adam Rivera,

Agent Recruiter

“The automated appointment process is the best system I have seen

in my 36-plus years of recruiting Agents in the insurance business. It is extremely

fast and very accurate and allows us to resend invitations to Agents who don’t fill it out

right away. With this system it allows us to achieve our monthly recruiting goals.”

~Steve Siet, Senior Recruiter

“There’s never a worry about having out-of-date

forms and there’s no additional hierarchy forms to complete.”

~Jonathan Vall, Assistant Director of Training

NEW GROWTH April 2014 9

#2

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PACESETTERS CLUB

PRESIDENT'S CLUB

6. SCOTT J. SCHWARTZ

7. DEVIN M. BARTA

8. RAY STEVENS

9. EDWARD A. CATRON

10. JAMES A. LAUGHLIN

11. AARON GORDON

12. MARK HELLER

13. JEFF D. HACKMEIER

14. ROBERT HOLZMAN

15. RICHARD D. SAKHAROFF

16. FRED M. ULAYYET

17. JOSEPH A. JAFFE

18. GARY S. KEMPLER

19. JULIA GILELS

20. WILLIAM J. BOROSAK JR.

21. CHRISTOPHER G. JENNINGS

22. BEVERLY J. KINGSLEY

23. TIMOTHY T. RUSH

24. SANDRA K. STEVENS

25. ADAM D. PATTERSON

26. PAUL RICHARD

27. ROBERT V. TANTILLO

28. JULIO C. CORTES

29. KEITH E. CLEVELAND

30. EARL D. DWORKIN

Through March 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 April 2014 NEW GROWTH

1. MIKE STEVENS Farm & Ranch Healthcare, Inc.

2. EDWARD A. MAXFIELD Maxfield Insurance Agency

3. ORAN W. YOUNG Young Insurance Agency

4. LOREN A. OLGUIN Olguin Insurance Agency

5. SAMUEL A. DUNCAN Duncan Insurance Agency

6. LIONEL D. STOCKWELL Stockwell Insurance Agency

7. FRANCES D. SALETT Salett Insurance Agency

8. CHARLES A. LOPER JR. Loper Insurance Agency

9. ROBERT M. WROBLEWSKI SOS Insurance Group

10. GEORGE L. MORTENSEN Mortensen Insurance Agency

11. JOSEPH MAISONET Maisonet Insurance Agency

12. HERSCHELL A. MCCOY McCoy Insurance Agency

13. JESSE E. BROWN Brown Insurance Agency

14. CHARLES E. WATERS Waters Insurance Agency

15. PAUL W. PIERRE Pierre Insurance Agency

1. MARK A. SIMPKINS

2. CICERO MORRIS

3. ORAN W. YOUNG

4. LOREN A. OLGUIN

5. SAMUEL A. DUNCAN

6. LIONEL D. STOCKWELL

7. FRANCES D. SALETT

8. LEE A. MCGRIGGS

9. CARLTON R. HAWKINS SR.

10. GEORGE L. MORTENSEN

11. TONYA KOGER

12. HERSCHELL A. MCCOY

13. JESSE E. BROWN

14. CHARLES E. WATERS

15. PAUL W. PIERRE

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. SCOTT E. MEDNICK Professional Insurance Systems of Florida

6. RAY STEVENS Stevens & Associates Insurance Agency

7. ROBERT M. WROBLEWSKI SOS Insurance Group

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

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

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

11. PHILIP L. ROBBINS Robbins Insurance Agency

12. SCOTT J. SCHWARTZ Insurance Protection Services

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

14. PAUL SWEENEY Quality First Insurance Agency, Inc.

15. AMERICAN EAGLE CONSULTANTS, INC.

16. JOSEPH MAISONET Maisonet Insurance Agency

17. PETER S. GELBWAKS Gelbwaks Executive Marketing Corp.

18. MARK HELLER Heller Insurance Agency

19. CENTURION AGENCY, LTD. 20. RICHARD S. SCHWARTZ

Insurance Center of S. Florida21. RICHARD D. SAKHAROFF

Security Benefits Group, Inc.22. FRED M. ULAYYET

Senior Care Insurance Services, Inc.

23. MARC G. ZUM TOBEL Consolidated Insurance Group, Inc.

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

25. STEPHEN MAISTO Maisto Insurance Agency

26. BRIAN W. BAACKE Baacke Insurance Agency

27. STUART ALAN Senior Care Insurance Center

28. NAYEEM SIDDIQUE Siddique Insurance Agency

29. CENTERSTONE INSURANCE & FINANCIAL SVCS.

30. KEITH E. CLEVELAND Cleveland Insurance Agency

1. TIM AHLBUM

2. PAUL T. SHELDON

3. KERRY SACHS

4. PHILIP L. ROBBINS

5. JON AHLBUM

6. SCOTT J. SCHWARTZ

7. DEVIN M. BARTA

8. RAY STEVENS

9. EDWARD A. CATRON

10. JAMES A. LAUGHLIN

11. AARON GORDON

12. MARK HELLER

13. JEFF D. HACKMEIER

14. ROBERT HOLZMAN

15. RICHARD D. SAKHAROFF

16. FRED M. ULAYYET

17. JOSEPH A. JAFFE

18. GARY S. KEMPLER

19. JULIA GILELS

20. WILLIAM J. BOROSAK JR.

21. CHRISTOPHER G. JENNINGS

22. BEVERLY J. KINGSLEY

23. TIMOTHY T. RUSH

24. SANDRA K. STEVENS

25. ADAM D. PATTERSON

26. PAUL RICHARD

27. ROBERT V. TANTILLO

28. JULIO C. CORTES

29. KEITH E. CLEVELAND

30. EARL D. DWORKIN

LOOK FOR YOUR NAME ON FACEBOOK AND TWITTER!

LOOK FOR YOUR NAME ON FACEBOOK AND TWITTER!

NEW GROWTH April 2014 11

LIFE HEALTH

LIFE HEALTH

GEN

ERA

L A

GEN

TS

WR

ITIN

G A

GEN

TS

BOCA

RATON

FLORIDA2015 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.