december 2012 sheets... · 2 december 2012 attn: first ua agents! first united american has...
TRANSCRIPT
December 2012
The news and ideas magazine for the Independent Agents of United American and First United American Life Insurance Companies
2 December 2012
ATTN: FIRST UA AGENTS!First United American has received state approval in New York on 2012 rates for First UA ProCare Plans A, B, C, D, F, F+, G, K, L, and N. Rates on some plans have increased, and others have decreased. The rates for Areas 1 and 2 are identical, and the rates for Areas 3 and 4 are identical. New York uses area-rating on all plans. Rates on Plan F+ have decreased by five percent.
The new business and renewal effective date was Dec. 15, 2012.
Detailed rate cards that include all plans, rates, and pay modes are available for download on the Agent website. Please contact the Home Office at 315-451-2544 with questions.
ATTN: COLORADO AGENTSUnited American has received state approval in Colorado on 2012 rates for both over and under age 65 ProCare Plans A, B, C, D, F, HDF, G, K, L, and N. The rates on over age 65 Plans A, B, C, G, K, L, and N and under age 65 Plans K, L, and N are unchanged. Plan HDF rates have decreased by five percent.
The new business and renewal effective date was Dec. 15, 2012.
Detailed rate cards that include all plans, rates, and pay modes are available for download on the Agent website. Please contact Agency Service at 1-800-925-7355 or e-mail [email protected].
ATTN: UA AGENTS IN ALABAMA, CONNECTICUT, AND GEORGIAUnited American has received state approval in Alabama, Connecticut, and Georgia on 2013 rates for UA ProCare Plans A, B, C, D, F, HDF, G, K, L, and N. Rates on Plan HDF have decreased by 10 percent.
The new business and renewal effective date is Jan. 1, 2013.
Detailed rate cards that include all plans, rates, and pay modes are available for download on the Agent website. Please contact Agency Service at 1-800-925-7355 or e-mail [email protected].
CONGRATULATIONS TO OCTOBER IPAD WINNER, NAyEEM SIDDIqUE
“I sell UA Medicare Supplement policies because of the outstanding support I receive from the Home Office and management. Customers also love the dedicated customer service and prompt claims payments. UA products are priced competitively, and the compensation model is unbeatable. Almost weekly, I encounter an Agent who thanks me for introducing him to the United American portfolio! I’m proud to offer UA products, and will continue to market UA products as a strategy to grow my Agency.”
ATTN: UA AGENTS Due to high application volume, we’ve added another fax number for submission of new business: 972-767-4462.
ATTN: ALL AGENTSWant to easily assign or reassign leads to your Agents? You can with Kramer Direct’s Lead Tracker electronic lead delivery system. Distribute leads to selected Agents or reassign leads to other Agents when the original Agent is no longer working with you.
For details, call Kramer Direct at 1-888-572-6373 or e-mail [email protected].
CONGRATULATIONS FFIG!Nov. 1, 2012, was a BIG night for Agent Gary Kempler (recent iPad winner) and Futurity First Insurance Group at the grand opening of the Agency’s newest location in Weston, Florida. More than 100 people attended, including two city commissioners and Mark Kalen, Futurity First CEO, who flew in from Connecticut. Other special guests were Chuck Mankamyer, UA Senior Vice President, and Gary Owen, UA Regional Director. Gary is pictured here with FFIG Sales Manager, Diana Campana.
INTEREST RATES SETThe Lifestyle Annuity rate for December 2012 is 3.00 percent. Rates are reviewed and adjusted accordingly.
The Deposit Fund Rider new business interest rate for 2012 is 3.00 percent.
HOME OFFICE HOLIDAy BREAK! The Home Office is closed Mon. Dec. 24, and Tues. Dec. 25, 2012, and Jan. 1, 2013.
marketing content manager christie gibson
editor roberta boyd king
senior staff writer katrina kotzen
staff writer seth cohn
jr. staff writer/staff photographer brittany feagans
graphic designer john begg
e-mail [email protected] to update information in Summit
home office First UA 972-529-5085 315-451-2544
agent service center 800-925-7355 or e-mail [email protected]
supply order fax 469-525-4290 attn: agency supply
supply order e-mail [email protected]
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.
WORDS OF WISDOM
“If you can dream it, you can achieve it.”Zig Ziglar
Charles Mankamyer Senior Vice President / General Agents
Why do Medicare Advantage (MA) members leave Medicare Advantage? Maybe when they ask, “What’s in it for me?”, they don’t get the response they want. Unfortunately, in the past three years, hundreds of thousands of Seniors across the United States didn’t even have the chance to ask that question. They were involuntarily disenrolled by insurers that did not renew their annual contracts with Medicare and withdrew from the market. Or their insurer dropped the member’s plan, the member wasn’t offered other plans, or the plans offered were not the right fit.
For members choosing to withdraw from Medicare Advantage, other reasons may also apply:
y Most Medicare Advantage plans are similar to HMOs or PPOs, and Seniors generally are limited in their choice of doctors, hospitals, and nursing facilities.
y Their doctor may leave the MA plan or be dropped by the plan.
y Senior moves out of the plan’s area.
y Finding covered medical care, such as emergency or urgent care while traveling, may be difficult, since the member’s access is generally limited to a certain network of doctors and hospitals.
y A claim under the Medicare Advantage plan may not have been handled the way the Senior hoped, or a claim may have been denied, causing the member undue financial hardship.
y The Senior didn't realize the MA plan is not guaranteed renewable, or that he would be responsible for copayments or coinsurance for doctor visits, hospital stays, etc., … charges a Medicare Supplement generally covers.
Whatever the reasons, Medicare Advantage members can opt out of their MA plans starting Jan. 1, 2013, and return to Original Medicare. In addition to a Medicare Supplement, they will likely need a Part D Prescription Drug Plan. As you know, UA and First UA Agents don’t sell Medicare Part D, but your Med-Supp customers can enroll in our plans online. Direct UA customers to www.uamedicarepartd.com and First UA customers to www.firstuamedicarepartd.com, where they can enroll in a Select or Enhanced Part D Prescription Drug Plan.
Make sure your customer knows ‘What’s In It for me'?What’s the most important point to make with Seniors leaving Medicare Advantage? Assure them Original Medicare coupled with a quality Medicare Supplement and a Part D Prescription Drug Plan from UA or First UA can satisfy their health insurance needs for decades to come. Guaranteed renewability is probably the number one feature of Medicare Supplements that can make them a great choice. Freedom to choose doctors and hospitals is probably number two. In addition, make sure prospects know our plans are accepted nationwide by any doctor or hospital that accepts Medicare. Tell prospects about our Companies’ longstanding A+ (Superior)* Financial Strength rating from A.M. Best Company. And don’t forget our outstanding claims service. Make sure your customer knows ‘What’s In It for Me'?
You successfully worked the Medicare Advantage Annual Enrollment Period
that just ended and were able to provide many new Senior customers with a quality Medicare Supplement from United American or First United American. There are, however, a multitude of Seniors across the country not yet tuned-in to the value of Medicare Supplements. I know you will be just as successful during the Medicare Advantage Disenrollment Period running Jan. 1, to Feb. 14, 2013.
As 2012 comes to an end, may you and your families be truly blessed this holiday season, and may the coming year bring you success beyond your wildest dreams. Thank you for being part of the UA and First UA family! I look forward to what lies ahead for all of us!
Sources: http://www.emedicaresupplements.com/medadvantage/plan/coverage-disadvantages; https://www.open-placement.com/blog/2012/11/when-its-time-to-drop-your-medicare-advantage-plan; http://www.medigap360.com/medicare-advantage.php*UA and First UA rating reaffirmed by A.M. Best Company as of 6/12
December 2012 3
4 December 2012
United AmericAnAbrams/Mendelsohn, Inc.Adams, Garry W.Adler, Gail A.Agency Services Online, Inc.Amicone, Rodney W.Amstutz, J. StevenAnderson, William J.Andraszczyk, Mark J.Angus, Ayrton J.Arbuthnot, Edward A.Atkins, Traci F.Baker, Gilbert E.Barkley, Clark D.Barton Jr., Russell H.Batchelder, Joshua HenryBeck, Gwen M.Berenguer, Gina FerroBinstock, DuaneBrackhahn, Jane V.Bradley, MaureenBragg, BonnieBraselton, Donald W.Breedlove, James M.Brewer, Larry E.Brown, Larry D.Brown, Patricia L.Burch, Gregory A.Burton, Curtis R.Buschle, Christopher A.Bussell, David R.Cacciola, KathyCampbell, Bonnie J.Cantrell, Dusty B.Capizzi, Stephen E.Carver, MichaelCerilli, VincentChiodini Jr., Stephen P.Chisik, Barbara L.Claiborne, Shelby B.Clegg, Leland E.Clements, Donald WayneCollins, Donald GeorgeConley, MichaelCook Jr., Donald D.Craighead, Darrell R.Crosby, Harry W.Cross, Lawrence R.Curry, Michael E.D’Agostino, Mary
Dalton, Stanley L.Davidson, Jenny ReneeDavis, Norma J.Di Girolamo, Thomas A.Draves, David T.Dupree, Yvonne VictoriaDyer, BrentDyson, Michael R.Ebersberger, Adolph WilliamEdmisten, Maralie R.Edmonds, Lillie M.Emord, Carolyn A.English, Gary B.Ensign, Roberta K.Evans, GeorgeFalkner, SuzanFazio, David A.Fenwick, MichaelForrest, Sheryl LynnFoster Jr., Larry W.Foster-Bonner, Deborah A.Fowler, Toby R.Gathings Jr., Bennie Lee JackGiglia, Richard J.Gill, Joseph C.Goldman, Ronald J.Gonnering, Joseph C.Good, KatieGottlieb, Irene R.Grimsley, Robin R.Halley, JackHarkness, Diane LynnHarrier, YancyHaskell, Russell LeonHayslip, James S.Heninger, William J.Herskovits, ThomasHildreth, CharlesHolmes, LavernHorton, Joseph LeslieHowell, LisaHowell, MarcusHuntsberger, Mathew C.Huskey, Goldie M.Huston, JeffHuxman, Roger A.Hyatt, Edward R.Iis Agency, Inc.Imam, Hasan ZafarJohnson, Quenteen Eloise
Kahmeyer, Brenda G.Kamat, Harischandra V.Kamber, BreanaKennard, Gary SmithKing, Ronald L.King, Walter A.Kleinbaum, BarryKraft, Tim A.Kuusinen, Holly A.Lambert, Joe A.Lee, Eldon V.Legate, Winford C.Levy, Vilma G.Liebstein, RalphLigocki, Wayne R.Lindsley, CurtisLindsley, Kevin A.Mahajan, Dinesh K.Maiga, LolitaMaisonet, JosephMajor, Gerald AllenMalak, Deborah L.Malone, Roy A.Martin, JonathanMason, Tommy L.Matacchiero, Robert M.McDowell, Leland L.McDowell, Meredith KearnsMella, Charles J.Mena, JorgeMier, Ronald DrakeMiller, Craig T.Mitler, Jacqueline M.Moore, CourtneyMorris, Antony C.Mower, DouglasMuenks, Glenn G.Murphy, GaryNakanishi, Arthur T.Neder, Gail P.Nesselhauf, Nancy M.Nienberg, Bernard A.Nye, Richard R.Ochoa, Miguel A.Pangborn, Theresa M.Patterson, John R.Paz, JacquelinePeacock, George E.Pepper, Steven A.Peterson, Gary W.
Peterson, Jack J.Peterson, Kyle W.Pickert, Gerald C.Pilling, Mark B.Ping An Group, Inc.Plunkett, Robert C.Pollock, James GaryPoole II, Charles E.Pritchett, DebraPulling, Mary K.Puro, Miko MarkusQuigley, MauriceQuintal, Elizabeth M.Rankin, David ThomasRash, Richard S.Ratigan, Michael R.Rayfield, John WayneRhodes, PeggieRich, MichaelRiebe, Mindy D.Robbins, PaulRobinson, Michael C.Rodriguez, Norma C.Rourke, Kim J.Rowland, Richard B.Royal Sr., Eastland J.Samonie, George M.Sanders, Alec W.Scaggs, Misty R.Schlonsky, Jack M.Schneider, James O.Selby, Charles E.Settle, RobertShaw, RosalynShepard, Gary C.Sheppard, BabsSheridan, GeraldShrader, ScottShuman, Mack M.Silcox, Gary DaleSims, Donald E.Skees, Harry T.Smids, FrederickSmith, Cambria MizeSmith, Mattie M.Spinner, John R.Stagliano, JosephStangel, Casey J.Starks, Anthony M.Stone, Crystal D.
Strange, James P.Taj, ShahabuddinTalford, Constantenia L.Tam, Johnny Hung-ChunTaylor, BruceThe Advisory Group, Inc.Thomas, Judith A.Thomas, Rishard L.Thomeczek, Frank J.Thompson, Larry L.Thompson, Rhonda L.Thorman, Phil L.Tibbs, Casey D.Tomberlin, Randy E.Tyler, Martha P.Tyre, MatthewValdez, Joseph R.Vance, Marcie J.Varney Jr., JosephWalker, Christopher M.Walker, Don HughWalker, KaraWallace, Ira L.Ward, Harold C.Wardell, Ronald P.Weiss, Rosalie E.Whitaker, Harold D.White, KatrinaWilliams, Larry A.Wilson, Charles L.Woody, Elmer R.Yaminitz, Edward D.Young, James A.Young, Melvin ReshaudZimmerman, Robert E.Zurn, Terri P.
FirSt United AmericAnBaxter, GeraldDaniels, Shawn MichaelEarp III, Dale E.Girma, BelayLebovits, Moishe E.Mc Cowan, Lonnie D.Mitler, Jacqueline M.Salters, Arthur G.Spinner, John R.Van Raay, Eduard H.Westerberg, Richard E.
it’s prep time for the medicare Advantage Annual disenrollment Period that runs Jan. 1, to Feb. 14, 2013. Spread the good news about UA and First UA to create out-of-this-world success!
The Medicare Advantage Annual Disenrollment Period starts Jan. 1, and runs to Feb. 14, 2013. It’s time to get READY to boost your q1 production and start the year off RIGHT!!
Top five reasons to sell UA and First UA Medicare Supplements
1. Guaranteed Renewability: Customers cannot be canceled as long as premiums are paid on time … regardless of their health status.
2. Freedom of Choice: Customers can choose any doctor or hospital that accepts Medicare without worry about being ‘in the network’ or ‘out of the network’.
3. Company Stability: UA and First UA have been selling Medicare Supplements since 1966 and 1986 respectively.
4. Company Longevity: Together UA and First UA have more than 70 years of experience selling to Seniors. We know Seniors!
5. Financial Strength: For a total of more than 50 consecutive years, UA and First UA have earned an A+ (Superior)* Financial Strength rating from A.M. Best Company. *Rating as of 6/12
2013 Medicare Deductibles/Copayments/ Out-of-Pocket Expenses
• Medicare Part A Hospital Deductible: ........... $1,184• Daily coinsurance for hospitalization
days 61-90: ............................................................ $296• Daily coinsurance for hospitalization
days 91-150: .......................................................... $592• Daily coinsurance for Skilled Nursing
Facility days 21-100: ............................................ $148• Medicare Part B Annual Deductible: ................ $147• Plan HDF (F+ First UA) Deductible: ................ $2,110• Plan K Out-of-Pocket Limit: ............................. $4,800• Plan L Out-of-Pocket Limit: ............................. $2,400Source: Centers for Medicare & Medicaid Services
During the six-week period from Jan. 1 to Feb. 14, seize the opportunity to turn former Medicare Advantage members into satisfied UA and First UA policyholders.
See page 5 in the November issue of Summit for specifics on submitting applications for Medicare Advantage members disenrolling from MA plans.
Quality Benefits and Lower Premium
Medicare Supplement High Deductible Plan F (HDF and F+ for First UA) can be a great match for Medicare Advantage members switching to Original Medicare and purchasing a Medicare Supplement.
• In the past three years, UA’s HDF rates have lowered by approximately 36 percent in most states.
• If your prospect does not anticipate high medical expenses and can cover the annual deductible, a high deductible plan features quality benefits coupled with lower premiums and might be an appropriate option.
• Where approved, UA Agents can offer the Reserve Fund Annuity (RFA) to help the customer pay medical expenses before policy benefits take effect. The RFA, where approved, is also available with Plans A, B, D, G, K, and L.
December 2012 5
JAN. 1, 2013 FEB. 14, 2013
Alyssa church, northeast regional recruiter
“The opportunity UA presents for the independent Agent is amazing, and I love being able to share such a terrific opportunity. You and your families have my best wishes for a wonderful holiday season and a fantastic 2013!”
Gary Owen, regional director
“To all our professional and dedicated Agents and Agencies, who perpetually demonstrate loyalty to UA and First UA, THANK YOU for your business. I wish you and yours a very Merry Christmas/Happy Hanukkah and a happy and safe holiday season. We are ready to support your efforts to ensure a healthy and prosperous 2013!”
Jonathan Vall, recruiting Agent/contractor
“I’m excited about working with UA and look forward to helping Agents reach their goals in 2013. Have a wonderful holiday!”
The Home Office embraced the spirit of the season, and we want to share our enthusiasm with YOU. Beautifully decorated trees grace our lobby and break room, and stairways are highlighted with garlands, ribbons, and ornaments. Each department is spreading holiday cheer with its own unique style, and since you can’t be here to enjoy it, we’re bringing it to you.
Anabel nevarez, Bilingual customer Service Supervisor
6 December 2012
Mark LincolnMike
Jim Savo, VP Operations and General manager, First UA
“Season’s Greetings! I want to thank all of you for your business—past, present, and future. It’s greatly appreciated, and it makes the Company what it is today. I enjoy working with you and will continue to assist you in any way I can. Have a healthy and prosperous New Year!”
Whether your December celebrations include Christmas, Hanukkah (The Festival of Lights), Ashura, Bodhi Day, Las Posadas, Boxing Day, or Kwanzaa, the entire Home Office team wishes you a blessed holiday season and a New Year filled with good health, happiness, and abundant success.
Source: http://www3.kumc.edu/diversity/ethnic_relig/ethnic.html
Anabel nevarez, Bilingual customer Service Supervisor
mike Surrano, northeast regional recruiter
“Have a great holiday and a happy New Year. Thank you for all your hard work; it is greatly appreciated, and we look forward to working with you for years to come!”
mark miller, regional recruiter
“Merry Christmas and Happy New Year! Let’s start the New Year with a BANG for U and UA.”
Lincoln Powers, recruiting Agent/contractor
“Thank you all so much for your hard work and effort. I wish you happy holidays, and I look forward to continuing business with you in 2013.”
December 2012 7
Great news! United American’s MLAP and ILAP Life Rate Calculator has been redesigned and published on the LIFE Products page of the UA General Agency website. To access the calculator, click on the link under the appropriate life insurance product.
This redesign includes the following features:• Formatted for both PC and Mac users
• Appearance is cleaner and easier to follow
• No issue with availability – the Rate Calculator is an Excel file you download straight to your desktop. No more web-based issues!
• INSTRUCTIONS tab has been simplified
According to 2011 LIMRA statistics, 41% of American adults don’t have life insurance. Help your Agents use the new and improved Life Rate Calculator to boost life sales in 2013!
8 December 2012
Who’s your typical life insurance customer? Young newlyweds eager to start their lives together? Financially stable first-time
homeowners? Protective new parents? A lot of scenarios come to mind, but one important group is often missing — Seniors.
Encourage your Senior customers to give a gift of life and love!Source: http://www.ehow.com/how_5555723_make-life-insurance-senior-citizens.html
Seniors need life insurance too!in addition to covering final expenses and providing financial help for a remaining spouse, a life insurance policy with a child or grandchild as beneficiary can serve as a loving, financial legacy … one that may help that child pay off a mortgage or send a grandchild to college.
Here are a few tips to reach this large and important prospect pool:
1. Attend charitable events and other functions where Seniors congregate. Get acquainted with staff at local retirement communities, Senior centers, and organizations that cater to the needs and interests of Seniors.
2. Set up a booth at health fairs. these events often attract Seniors for free blood pressure or cholesterol screening. if you make contacts with younger folks, remember, they have parents and grandparents too!
3. Host a life insurance seminar at your local Senior center. Plan the event for mid-morning and provide coffee, donuts, etc., to make the seminar more inviting. Keep the seminar brief, but provide lots of ‘meet and greet’ time after – that’s when you make connections with potential prospects and start building trusting relationships.
4. Attend sporting events, university functions, and art gallery and restaurant openings. Seniors often have more time and money to attend these types of events. Also reach out to family members who may be in attendance and beneficiaries of the products you offer – they may even play a role in the decision-making process for their parents.
UA has updated and improved the UA Life Rate Calculator (see page 8), which makes selling United American’s Fundamental Life Series I and II even easier! With benefit levels ranging from $1,000 to $500,000, there’s an appropriate policy for almost everyone.
December 2012 9
10 December 2012
top producers ytd
PACESETTERS CLUB
PRESIDENT’S CLUB
6. DAvID K. DANIELS David K. Daniels & Associates
7. KERRY SACHS Secure Retirement Solutions, Inc.
8. ROBERT M. WROBLEWSKI SOS Insurance Group
9. MARK HELLER Heller Insurance Agency
10. JOHN STAMPER Choice Plus Benefits
11. JOHN STEvEN CARRAN
12. AMERICAN EAGLE CONSULTANTS, INC.
13. PAUL SWEENEY Quality First Insurance Agency, Inc.
14. MIKE STEvENS Farm & Ranch Healthcare, Inc.
15. THOMAS G. STATKEWICz Sylvan-James Associates, Inc.
16. PHILIP B. ORTEz JR. Phil & Kathy Ortez Insurance Agency, Inc.
17. CENTURION AGENCY, LTD.
18. RICHARD D. SAKHAROFF Security Benefits Group, Inc.
19. STUART ALAN Senior Care Insurance Center
20. JAMES A. SWEENEY American Senior Benefits
21. SHAWN T. SCHROEDER Jack Schroeder & Associates, Inc.
22. SCOTT E. MEDNICK Professional Insurance Systems of Florida
23. EARL D. DWORKIN Dworkin Insurance Agency
24. RICHARD S. SCHWARTz Insurance Center of South Florida
25. NAYEEM SIDDIQUE Siddique Insurance Agency
26. PETER S. GELBWAKS Gelbwaks Executive Marketing Corp.
27. JAMES F. SCHULER Consumer Group Services, Inc.
28. MARC G. zUM TOBEL Consolidated Insurance Group, Inc.
29. JOHN J. COSTA Agent Services of America
30. ELAINE T. FORHMAN R & E Marketing Assoc, Inc.
6. KERRY SACHS
7. AARON GORDON
8. CHRISTOPHER N. GRAHAM
9. JULIA GILELS
10. ROGER A. GRADY JR.
11. EDWARD A. CATRON
12. RICHARD D. SAKHAROFF
13. FRED W. LEMAR JR.
14. CASEY v. PALMER
15. vANDA v. WATSON
16. JOHN W. STAMPER
17. vICTORIA A. MAJOR
18. MATTHEW BROWN
19. STUART ALAN
20. PHILIP B. ORTEz JR.
21. CATHERINE E. HATTON
22. ROBERT HOLzMAN
23. EARL D. DWORKIN
24. GARY S. KEMPLER
25. MARTIN L. SHAW III
26. RICHARD MACHT
27. JONATHAN L. RUNNELS
28. BRIAN K. BARGANIER
29. PAUL RICHARD
30. ADAM D. PATTERSON
Through November 2012, these top producing Agencies and Agents have the highest net combined annualized premium. They can qualify to attend the annual Convention based on Company production and retention requirements.
MIKE LEMAR Sunshine State Agency
RAY STEvENS
RON CONCKLIN Rosenberg-Concklin, Inc.
DEvIN M. BARTA
CATHERINE E. HATTON Long Island Insurance Solutions
JON AHLBUM
RAY STEvENS Stevens & Associates Insurance Agency
MARK HELLER
JON AHLBUM The Ahlbum Group
TIM AHLBUM
December 2012 11
top producers ytdLIFE HEALTH
GEN
ERA
L AG
ENTS
LIFE HEALTH
WRI
TIN
G A
GEN
TS
1. JON AHLBUM The Ahlbum Group
2. MICHAEL LEMAR Sunshine State Agency
3. RON CONCKLIN Rosenberg-Concklin, Inc.
4. CATHERINE E. HATTON Long Island Insurance Solutions
5. RAY STEvENS Stevens & Associates Insurance Agency
6. DAvID K. DANIELS David K. Daniels & Associates
7. KERRY SACHS Secure Retirement Solutions, Inc.
8. ROBERT M. WROBLEWSKI SOS Insurance Group
9. MARK HELLER Heller Insurance Agency
10. JOHN STAMPER Choice Plus Benefits
11. JOHN STEvEN CARRAN
12. AMERICAN EAGLE CONSULTANTS, INC.
13. PAUL SWEENEY Quality First Insurance Agency, Inc.
14. THOMAS G. STATKEWICz Sylvan-James Associates, Inc.
15. MIKE STEvENS Farm & Ranch Healthcare, Inc.
16. PHILIP B. ORTEz JR. Phil & Kathy Ortez Insurance Agency, Inc.
17. CENTURION AGENCY, LTD. 18. RICHARD D. SAKHAROFF
Security Benefits Group, Inc. 19. STUART ALAN
Senior Care Insurance Center20. JAMES A. SWEENEY
American Senior Benefits21. SHAWN T. SCHROEDER
Jack Schroeder & Associates, Inc.22. SCOTT E. MEDNICK
Professional Insurance Systems of Florida
23. EARL D. DWORKIN Dworkin Insurance Agency
24. RICHARD S. SCHWARTz Insurance Center of South Florida
25. NAYEEM SIDDIQUE Siddique Insurance Agency
26. PETER S. GELBWAKS Gelbwaks Executive Marketing Corp.
27. JAMES F. SCHULER Consumer Group Services, Inc.
28. MARC G. zUM TOBEL Consolidated Insurance Group, Inc.
29. JOHN J. COSTA Agent Services of America
30. ELAINE T. FORHMAN R & E Marketing Assoc., Inc.
1. JOHNNIE D. SNIDER
2. TIMOTHY STYER
3. OWEN E. METTS
4. CYNTHIA A. MARKL
5. GEORGE A. WALLACE
6. vANDA v. WATSON
7. ALExANDER C. HODGES
8. MACK M. DANIELS
9. BOBBY L. CLANTON
10. BANTEE L. HALL
11. HERSCHELL A. MCCOY
12. CARLTON R. HAWKINS SR.
13. ROBERT C. LACKEY
14. KENNETH R. GEMPELER
15. ROBERT K. KEMPNER
16. TERESA S. MAROTTO
17. BLAINE G. KLOECKNER
18. ROGER A. GRADY JR.
19. JOHN W. CRAvEN SR.
20. MICHAEL JOHNSON
21. DON P. BURNETT
22. WILLIAM R. CAMPBELL
23. HENRY LANE
24. BOBBY LEE BAKER
25. SAMUEL A. DUNCAN
26. LEvY JOHNSON
27. MELvIN M. WILLIAMS
28. MORRIS L. SALTER
29. GINA DAvIS-LLOYD
30. NAGIB F. KHALLOUF
1. TIM AHLBUM
2. RAY STEvENS
3. DEvIN M. BARTA
4. JON AHLBUM
5. MARK HELLER
6. KERRY SACHS
7. AARON GORDON
8. CHRISTOPHER N. GRAHAM
9. JULIA GILELS
10. EDWARD A. CATRON
11. ROGER A. GRADY JR.
12. RICHARD D. SAKHAROFF
13. FRED W. LEMAR JR.
14. CASEY v. PALMER
15. JOHN W. STAMPER
16. vANDA v. WATSON
17. vICTORIA A. MAJOR
18. MATTHEW BROWN
19. STUART ALAN
20. PHILIP B. ORTEz JR.
21. CATHERINE E. HATTON
22. ROBERT HOLzMAN
23. EARL D. DWORKIN
24. GARY S. KEMPLER
25. MARTIN L. SHAW III
26. RICHARD MACHT
27. JONATHAN L. RUNNELS
28. BRIAN K. BARGANIER
29. PAUL RICHARD
30. ADAM D. PATTERSON
1. JOHNNIE D. SNIDER Snider Insurance Agency
2. MIKE STEvENS Farm & Ranch Healthcare, Inc.
3. DAvID K. DANIELS David K. Daniels & Associates
4. OWEN E. METTS Metts Insurance Agency
5. GEORGE A. WALLACE Wallace Insurance Agency
6. ALExANDER C. HODGES Hodges Insurance Agency
7. MACK M. DANIELS Daniels Insurance Agency
8. BANTEE L. HALL Hall Insurance Agency
9. HERSCHELL A. MCCOY McCoy Insurance Agency
10. ROBERT M. WROBLEWSKI SOS Insurance Group
11. KENNETH R. GEMPELER Gempeler Insurance Agency
12. ROBERT K. KEMPNER Kempner Insurance Agency
13. MIKE LEMAR Sunshine State Agency
14. TERESA S. MAROTTO Marotto Insurance Agency
15. BLAINE G. KLOECKNER Kloeckner Insurance Associates
16. JOHN W. HARRINGTON Harrington Insurance Agency
17. MICHAEL JOHNSON Johnson Insurance Agency
18. JON AHLBUM The Ahlbum Group
19. DON P. BURNETT Burnett Insurance Agency
20. HENRY LANE Lane Insurance Agency
21. BOBBY L. BAKER Baker Insurance Agency
22. SAMUEL A. DUNCAN Duncan Insurance Agency
23. LEvY JOHNSON Johnson Insurance Agency
24. MELvIN M. WILLIAMS Williams Insurance Agency
25. MORRIS L. SALTER Salter Insurance Agency
26. GINA DAvIS-LLOYD Financial Choices, Inc.
27. NAGIB F. KHALLOUF Trans Capital Financial & Insurance Services
28. JESSE E. BROWN Brown Insurance Agency
29. SHARON N. LEWIS Lewis Insurance Agency
30. TITUS L. WILLIAMS Williams Insurance Agency
JUNE 18-21, 2013www.torchmarkconvention.com
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