The news and ideas magazine for the Independent Agents of United American Insurance Company and Globe Life Insurance Company of New York

DECEMBER 2016

FROM THE CROWD

EDITORGay Falkowski

COPYWRITERLauren Suarez

CREATIVE LEADJohn Begg

EMAILeditor@torchmarkcorp.com

to update information for Summit or to submit news for the Editor’s page.

HOME OFFICE972-529-5085

GLOBE LIFE OF NEW YORK315-451-7975

(Agent use only)

AGENT SERVICE CENTER 800-925-7355 or email

agencyservice@torchmarkcorp.com

IGO E-APP® SUPPORT 214-740-2662

WEBSITES unitedamerican.com/logon (for Agents)

unitedamerican.com

office.globelifeofnewyork.com (for Agents) globelifeofnewyork.com

Published regularly by United American Insurance Company and

Globe Life Insurance Company of New York 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.

NEW PROCARE RATE APPROVALS FOR 2017New rates for 2017 have been approved for most states, excluding: FL, HI, IA, IN, MD, MO, MT, NJ, NY, PA, VA, WA, and WI. To see new business renewal rates, download detailed Rate Cards from UAOnline – www.unitedamerican.com/logon.

PREPARE FOR THE ‘YEAR OF RECRUITING’Though most of you are focused on selling during the Medicare Advantage Disenrollment Period, don’t forget to keep an eye out for potential recruits. After all, 2017 is the ‘Year of Recruiting’ for United American.

The first place to look for recruiting assistance is the UA General Agency Office site. There are two important features on the ‘Recruiting and Support’ page to help with your recruiting efforts. Check the ‘Recruiting and Support’ page for the Regional Director who can help you along the way with your specific recruiting needs. The page also has a link to the ‘Work With Us Website’, which you can use to help give your Agents an idea about what it means to be appointed to represent United American.

KUDOS FROM VERMONT“I really enjoy the Webinar sessions with United American. All the hosts are personable and make you feel like you’re working directly out of a district office. The format is so easy to connect to and Q&A works great! I recommend these Webinars to every UA Agent who wants to get plugged-in, learn fast, and make sales with the Company. These sessions are super valuable, and there is no doubt that Rick, Dave, and Vinny know this business inside-and-out. After taking iGO e-App® training I was able to submit and issue business electronically my first week! Several of my applications were approved and in force just days later. Great stuff!”

~ Ray Landis, Vermont

TAKE THE LEAD WITH LEADSOne way to get a fast start in the New Year is to take advantage of all the lead resources available to Agents appointed with UA and Globe Life of New York*:

y Free lists of people turning 65 in the ZIP codes where they work

y ‘Fast Start’ incentive for the newly-appointed Agents (receive 1,000-piece direct lead mailers)

y Ongoing monthly incentives (Agents can receive 1,000 to 2,000-piece direct lead mailers)

y Optional Lead Account – 15% of Annualized Health sales and 10% of Life sales are set aside in a special lead account

y Lead referrals from UA when prospects reach out to us for coverage, we typically send them to our Agencies

y Comprehensive lead vendor list of nearly 40 companies, many of which offer exclusive UA pricing and discounts

* Globe Life of New York is a trade name of Globe Life Insurance Company of New York. Globe Life Insurance Company of New York is located at 1020 7th North Street, Liverpool, New York, 13088, and is licensed to do business in New York and not in any other state.

ANNUITY RATEThe lifestyle annuity rate for December 2016 is 3 percent. We are not approved to sell the SPDA product in CO or NY.

WORDS OF WISDOM

“It's simple ... go the extra mile and you will stand out

from the crowd.”

— Robin Crow, author —

2 DECEMBER 2016 STAND OUT FROM THE CROWD

FROM THE CROWDStanding out from the competition has always been one of the great challenges in this industry. During the last several years, the rise of Social Media has made it even more difficult to capture consumer attention. The good news is if you’re an Agent appointed with United American or Globe Life of New York, you’ve got the advantage of working with a Company that’s committed to helping you stand out in many ways. Not only do we promote our Company on a national level, but we also provide you with the training and tools that can help you become a well-known and trusted Agent in your local community. Simply put, we’re invested in your success.

In this issue of Summit, you’ll see examples of recruiting ads we’ve placed in some of the industry’s most well-read print and online publications for Agents. Keeping our name visible in the public arena is important as we continue to focus on helping you build your business as well as your client base. We’re also active participants in the industry conference circuit. Staffing tables in exhibition areas gives us an opportunity to personally connect with Agents from all over the country and introduce them to our great portfolio of products. Most importantly, we funnel interested Agents to those of you who are growing your teams.

NEW NAME IN NEW YORKSuccessful branding has always been the goal of any Company striving to stand out from the crowd.

In a strategic branding move, our New York affiliate, First United American Life Insurance Company, is now known as Globe Life Insurance Company of New York. The change, which took place Jan. 1, 2017, is a change in name only. It will be business as usual for our New York Agents – except materials will be newly branded with the Globe Life of New York name and logo. Jim Savo, FMLI, Vice President of Operations and General Manager of Globe Life of New York, shares more about the significance of this rebranding in his column on page five.

Of course, January 1 is an important date for all Agents nationwide in the business of selling Medicare Supplement insurance plans, as it marks the beginning of the Medicare Advantage Disenrollment Period (MADP). This period, which ends February 14, is a peak selling season for United American and Globe Life of New York, ranking only behind the Annual Enrollment Period in volume of Medicare Supplement insurance plan sales.

WHAT CAN YOU DO TO STAND OUT IN MADP?Get visible! Take the initiative to do your own advertising. Most cities and towns still have community newspapers and magazines that the locals enjoy reading to keep up to date about happenings in their area. A well-placed advertisement is a great way to let them know they have a Medicare Supplement insurance plan provider standing by to answer all their questions during MADP and beyond. You’ll find pre-approved ads in Agent Supply to help you get the word out as quickly as possible.

Another great way to make your service visible is by presenting free Medicare informational seminars for Seniors. Local facilities such as libraries or neighborhood community recreation halls often have spaces you can rent for a minimal fee. Many Agents have told me their successful Medicare Supplement insurance sales strategy begins with education. I’ve heard it said, “If you just teach them about Medicare, they’ll buy from you.”

I wish all of you a terrific start in the New Year. Let’s all work together to stand out from the crowd and stand up as proud representatives for United American and Globe Life of New York.

Charles MankamyerPresident of General Agents

3 DECEMBER 2016 STAND OUT FROM THE CROWD STAND OUT FROM THE CROWD DECEMBER 2016 3

WELCOME TOUNITED AMERICANAbbey, FrancisAckerson, PeteAdams, DeborahAkers, ChristopherAlbano, MarkAlexander, EdAllen, CarolynAllen, RichardAlterman, GlennAlvarez, LuzAnderson, JeffereyAnno, DebraAnno, RonAoki, CharlesAreawide Insurance

Office, LLCArnold, DavidAustin, CharlesAyala-Hernandez,

ManuelBailey, BelindaBallin, SylviaBelk, MichaelBenson, AshleyBerkley, LeroyBerniker, HowardBilyeu, BrianBoeve, PeterBrennan, DianeBuccheri, KathleenBurke, DebraByrd, WayneCagnassola, StephenCancio, MelissaCaputo, LouisCardenas, MartinCarmack, BobCervantes, JoseChavez, TimoteoChin-Tai, PeterChristy, KennethChurchill, ArnoldCoby, DianeColapret, DeborahConnley, GeorgeCooke, CarolynCornelius II, WilliamCoronado, NicholasCortez, SherryCox, PaulCox, RonaldCribb, Neil

Cuddy Sr., DanielDavey, WilliamDavis, LorettaDay, MarilynDeem, ThomasDillon, RobertDodd, LindaDubeck, DavidEbersole, KellyEdwards, GroverEdwards, LorenzoEhrhart, JamesEhrler, TimothyEisnaugle, PrestonElder, CharlieElder, ClaudeElliott, MollyEnglish, ShawnerEtienne, MarjorieEubanks, RobertEvans, TonyEverette, JamesFaulds, RobertFernandez De Castro,

EduardoFincher, GaryFinney, CarolFishbourne, ValerieFlores, BeckyFlores, EstebanFryer, MichaelFujimoto, SusanGage, JeffreyGaon, DavidGill, ZafarGlobal Insurance

Resource Group, Inc.Gomez, FabianGonzalez, HumbertoGoodnow, TimGraves, StevenGreen, GeraldineGreen Jr., WilliamHale, ScottHaney, AnthonyHartline, KarenHaynes, OrlandoHazley, AlanHedrick, JohnHisle, ThomasHoward, MarkHowe, CliffordHuelsman, Clarence

Hunt, RichardHunter III, RichardHusted Jr., EddieIvy, LeroyJackson, PrentisJackson, TanyaJarvis Jr., RichardJefferies, KimJensen, SamuelJensen, SoniaJimpie, JohnJohnson, EdwardJohnson Jr., CharlieJones, GeorgeJung, AnnaKates, JeffreyKaur, JasminderKeadle, KathyKeegan, RobertKemeliotis, MichaelKentgen, EdwardKoons Jr., JohnLandis, RaymondLatimore, MaryLausch, IssacLe, BrendaLeftwich, RogerLentz, BlakeLeonard, DonnaLewen, DonnaLiming, RogerLodge, LynneLopez, TeresaLundquist, WayneMalson, ParrishManzo-Shkodrova,

MarleneMaranto, JosephMartinez, CarolMates, LawrenceMathis, WilliamMatthews, PetionMcCall, KoolMcClure, EduardaMcCrite, GaryMcFarland, MichaelMcGavran, EarlMcGrath, LawrenceMcLean, JohnMcNamara, DavidMiller, RobertMills, TonyaMingo, Milton

Mitchell, DavidMitchell, WilliamMoghadam, MandanaMoghadam, MatthewMoots, CharlesMoradi, AlirezaMoreida, NormaMujica, MercedesNadeau, EugeneNail, DavidNash, BarbaraNazareth, AndreNelson, ChristinaNelson, TimothyNesbitt, ChristopherNicholson, AnneNienberg, BernardNorris, ElizabethOhl, ChristianOlcese, AldoOreilly, JohnOwens, AnnettePadgett, BarbaraPalaca, DavidParish, JohnPark, DanielPatel, KiranPatrick, JudithPenaloza, DanitzaPerdue, ElliottPerdue, JasenPerez, RogelioPerretti, RonaldPeterson, LeonardPitstick, BryanPoczatko, DebraPosey, PamelaPyle, AntoniaRaaf, KevinRawlings, PatrikaRedman, RoyRestrepo, CarlosReyes, AinekiRhodes, DonaldRiggs, DonaldRivera, HectorRobinson, MichaelRodriguez, ThomasRomine, DougRosen, LarryRosenthal, AllenRoss, DavidRunion, Charles

Ryan, DarrylRyan, JudySaco-Vertiz-Deza, CarlosSeat, CarolSheesley, TaraSheptow, AllenSingh, PremilaSmith, ReginaldSnasel, JacobSnowden, ConsanderSolomon De La Cruz,

AliciaSoni, VerendarSousou, MichaelSpann, BillieStallings, DarbyStout, IrvinStrickler, CarolSutton, PrestonTardugno, StevenTaylor, TerrenceTerrell, SharonThoele, RichardThomas, AlanThomsen, SallyThorne, JasonTurner, CraigTurner, TerriTurtletaub, MichaelUmberger, SharonVanasek, AntonetteVang, DavidVasa, SteveWalda, OctaviaWalker, DonaldWalker, JeffreyWallace, JamesWaters, C.J.Waters, RogerWatkins, GailWatson, CliffordWatts, LarryWeeks, TimothyWeintz, DeborahWells, DeborahWells, RamonaWilliams, JeanWilson, JohnnyWong, RodneyYragui, JamesZarate, RaulZiegler Jr., Joseph

GLOBE LIFE OF NEW YORKAbadi, EliottBarr-Mack, SherrieCascino, AliciaChurch, LindaFlynn, BryanHall, JosephJames, PamelaKilker, AndrewLopez, AlisarriMerriweather, LaverneMucthison, MaureenOtobo, AtabuPerez, IrisRobson, MarkRosenberg, GemmaRyan, MichaelSlowley, NellianWebster, AmyaiWeil, Hannelore

4 DECEMBER 2016 STAND OUT FROM THE CROWD

USHERING IN A NEW ERA “It takes a lot of courage to release the familiar and … to embrace the new.”

Alan Cohen, author

As most of you have heard – and likely heard several times by now – First United American Life Insurance Company changed its name to Globe Life Insurance Company of New York. As we have emphasized, this is a name change only. It will be business as usual January 1, except you will identify yourself as an Agent representing products of Globe Life of New York instead of First United American, and all your materials and presentations will display the new name and logo.

Those of you who have been with First United American for many years may feel a little bittersweet the first few times you say you’re with Globe Life of New York. I’m sure I will. But, at the same time, I truly believe we will one day look back upon this date as the beginning of a remarkable new phase of growth and prosperity for all of us. I have a tremendous amount of trust and confidence in our corporate marketing team responsible for the research and planning that led to this recommended change, and I hope you’ll join me in whole-heartedly embracing our new identity as Globe Life of New York.

GET TO KNOW GLOBE LIFESome of you may be wondering: Just who is Globe Life and why are we taking its name? Well, for starters, the full name of our sister Company (outside of New York state) is Globe Life And Accident Insurance Company (Globe Life). Along with our parent Company, United American Insurance Company, Globe Life is one of five brands

within the family of Torchmark Corporation subsidiaries. Here are some interesting facts about Globe Life:

f It was founded in 1951 by two men who were determined their Agency would market inexpensive but dependable life insurance protection to Americans who were living in rural areas.

f When First United American Life Insurance Company was first incorporated in New York as a stock life insurance company in 1981, the Company name was Globe International Life Insurance Company.

f Since 1951, Globe Life has grown in financial strength and reputation. A.M. Best Company, an independent insurance analyst since 1899, awarded Globe Life an A+ (as of 6/16) based on their latest analysis of financial strength, management skills, and integrity.

f With more than $77 billion of insurance in force, Globe Life is proud to provide life insurance coverage to more than 4 million policyholders.

f Much of Globe Life’s later success has been largely credited to the fact that customers recognized the Company name, including many of them who were aware that their parents and grandparents held policies with Globe Life.

BUILDING ON NAME RECOGNITIONIn 2014, Globe Life purchased the naming rights to the Texas Rangers Ballpark in Arlington. Since then, it has been known as Globe Life Park in Arlington. As the proud

sponsor of Globe Life Park in Arlington, the Globe Life brand is receiving more than half a million dollars in advertising value in the state of NY, according to Company estimates. The name change from First UA to Globe Life of New York will help us make better use of that advertising value.

I’m excited about what this means to our Agents, as you reach out to new clients and revisit your relationships with existing ones. You are the ones who can capitalize on the surge in name recognition that Globe Life has experienced during the last two years, which has reached 35 percent nationally. Think about this: Today the Globe Life brand name is more well-known than any other TMK brand.

So, let’s all ride the momentum our new name will bring. Reach for new heights. Dream big. Seize the opportunity we’ve been given. Refresh your career. There’s no better time than now to start anew. Thank you for your past, present, and future business – it is appreciated.

Season’s Greetings and Happy New Year!

From the

DIRECTOR’SCORNER

Jim SavoVP Operations & General Manager

Source: Company Records, 2016

5 DECEMBER 2016 STAND OUT FROM THE CROWD STAND OUT FROM THE CROWD DECEMBER 2016 5

Powered by:

E&O InsuranceExclusive Errors & Omissions Program for United American Agents

Are You Protected From Lawsuits?

Call for Assistance: (877) 524-0265

Newly Licensed Agent Rate: $34.17 per monthApply in minutes @ www.360CoveragePros.com/uaic/eo

6 DECEMBER 2016 STAND OUT FROM THE CROWD

How to

Sh nein the Senior MarketOne of the best ways to stand out as Agent is to get to know your audience even before you show up to make your presentation. You just may impress them with your keen insight into how they view the world. Here’s a quick primer on Baby Boomers. You’re bound to encounter many of them as they transition into ‘Seniorhood’ and start shopping for Medicare Supplement insurance:

Baby boomers entering the Senior market don’t tend to think of themselves as Seniors. In part because of their better health and fitness when compared to the previous generation at the same ages, they actually see themselves as 10 to 15 years younger than their actual age.* They have more of a ‘future’ focus, and are much more likely to think in terms of their ‘bucket list’ and plan on having an active retirement.

They are much more ‘tech-savvy’ than their parents’ generation, and they use technology to stay much more closely connected to their own children, including exchanging input and recommendations on purchases. They also do issue and product research online and are heavy users of ‘traditional’ social media, like Facebook:

Almost 75 percent are regularly on Facebook – nearly 19 million

88 percent of Americans age 65 and older use email

About 60 percent read blogs and online articles and 70 percent watch videos online

82 percent do research online and 90 percent regularly make purchases online

45 percent give their opinions online, and they’re the largest group of online reviewers

35 percent of tablet owners are over age 45

Especially when investigating something as complex as Medicare coverage options, Baby Boomers want quality information, delivered in a clear, relevant, and interesting way. Having a Facebook presence where they can get information and answers to their questions will also address their desire for one-on-one customer service.

You also want to take into account that word-of-mouth and recommendations of friends and family strongly influence their buying decisions, so having positive visibility in your area can pay dividends. And keep yourself motivated – once they’ve made a buying decision, Baby Boomers have the highest brand loyalty of any age group!

*Sources: http://www.immersionactive.com/resources/50-plus-facts-and-fiction/ "2015 Senior Shopping and Switching". Deft Research. Retrieved from KERN Health, July 2016.

http://kernagency.com//wp-content/uploads/2016/01/KERN-10-Tips-Quick-Guide.pdf

7 DECEMBER 2016 STAND OUT FROM THE CROWD STAND OUT FROM THE CROWD DECEMBER 2016 7

FROM THE CROWD

WHAT WE DO: Top level leadership has represented United American and Globe Life Insurance Company of New York (GLNY) at industry events nationwide. The contacts they make with potential recruits are then forwarded to UA and GLNY appointed Agents who are team building in the area where the interested Agents live.

Recently President of General Agents Chuck Mankamyer and Assistant Director Henry Vazquez represented UA at NAILBA, which was held in Grapevine, Texas, not far from the Home Office. The National Association of Independent Life Brokerage Agencies (NAILBA) serves as a national association of life, health, and annuity insurance distributors.

“Showcasing our products and services at events such as NAILBA is a powerful and cost-effective way to reach and influence hundreds of decision-makers whose Agencies represent over 300,000 independent agent producers in the field,” Chuck says.

WHAT YOU CAN DO:If recruiting is your goal, keep an eye out for industry events in your area and make the most of the networking opportunity. If selling is your goal, you can connect with others by representing your Agency at community events geared towards topics such as healthcare or other Senior issues. Here’s what Eagle Jon Ahlbum of the Ahlbum Group says about attending Senior expos:

“The biggest benefit is getting our name and material into as many hands as possible. It may not be immediate, but we get calls saying that they talked to us at one of the venues and need some help. They also share our info with friends who eventually reach out to us, too.”

His team watches for mailings and email blasts sent out by promoters. They look closely at the area and demographics of the events and limit attendance to three or four a year, sending two reps to each. The average cost for a table is $500, Jon says.

What to bring? The Ahlbum Group’s expo offerings include UA brochures, ‘Top Ten Reason’ folders, ‘A Story Worth Telling’ folders, and AM Best mini brochures. Visitors can submit their contact information for a chance to win a food basket.

Lisa Rosati and Xiomara Ottovegio represent The Ahlbum Insurance Group and UA at Boomer Times and Senior Life Magazine “Pennies from Heaven” Senior Expo at the City of Sunny Isles Beach, FL.

To ‘stand out’ from the crowd you’ve first got to ‘get out’ in the crowd, and there are many ways you can do that. Here’s how we help you get noticed, along with some ideas on how you can help yourself become known in your community …

8 DECEMBER 2016 STAND OUT FROM THE CROWD

FROM THE CROWD

WHAT WE DO: We advertise in the industry’s most well-read publications, in both print and online editions. Check out the following ads that appeared in California Broker:

WHAT YOU CAN DO:Visit our online AdCatalog and choose a pre-approved ad that you can use in your local print and online publications. Don’t forget items such as door hangers – a great leave-behind that lets them know you are just a phone call away.

Agent Paul Sheldon’s got the right idea with a billboard that’s sure to draw some roadside attention.

Important note: All ads not contained in the AdCatalog must adhere to Company guidelines and be submitted to the Advertising Committee at adapproval@torchmarkcorp.com for pre-approval before use.

Go into the Annual Election Period with a competitive portfolio, and industry-leading equipment.

OUR AVERAGE HDF RATE IS

$32/MOHDF rate is United American’s

national average rate for women, age 65, nonsmoker.

SUBMIT POLICIES QUICKLY WITH

OUR INNOVATIVE

e-App.

GET COMPETITIVE!

CALL: (855) 312-1679for more information on how we

can help you get competitive.RANDY WHITEFootball Hall of Famer Policyholder and paid spokesperson for UA

United American Insurance Company is not connected to or endorsed by the U.S. Government, federal Medicare program, Social Security, or any other government agency.

WITH MEDICARE SUPPLEMENT INSURANCE YOU CAN:

CALL TODAY AND ASK ABOUT OUR:

CALL: MICHAEL SURRANO ASSISTANT DIRECTOR

(214) 326-2339

y Sell year round!

yNo special certification required!

Renewals paid for the life of the business, and are limited to 6th policy year on Guaranteed Issue Medicare Advantage Replacements; not applicable in NY or WA. Assumes no lapse in policy.

WJOIN THE

BOOMING MEDICARE MARKET WITH AN A+ RATED COMPANY

The Senior Market continues to grow at a rate of 10,000 individuals* every day, and this will continue until 2030. It’s a huge opportunity to expand your portfolio and earn renewals for the life of the business.

* Fortune. Baby Boomers slowly growing more comfortable with retirement February 2015.

We’ve been selling Medicare Supplement insurance since Medicare began in 1966. For 40 consecutive years, UA has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/16).

y Company Direct Independent General Agency Contract

y Exclusive Lead Account to start a perpetual lead system based on your production.

LEVEL COMMISSIONS/RENEWALS

WITH VESTING FROM DAY 1

RENEWALS PAID FOR THE LIFE OF THE POLICY

HOW CAN YOU LIVE ON 0% COMMISSION?

CALL: (855) 312-1679to find out what opportunities

you’re missing out on.

WE OFFER:

Our Company Direct, Independent General Agency Lead Contract could help boost your earnings!

Renewals paid for the life of the business, and are limited to 6th policy year on Guaranteed Issue Medicare Advantage Replacements; not applicable in NY or WA. Assumes no lapse in policy.

AD-238 R10

Stability: Now More Than Ever

Policy Form XXXX

Disenrolled by Medicare Advantage? Find a stable

home with United American Insurance Company.

Providing individual Medicare

Supplement insurance plans since

Medicare began in 1966.

A+ (Superior) Financial Strength Rating*

United American Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program.

Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy

forms MSA10, MSB10, MSC10, MSD10, MSG10, MSF10, MSHDF10, MSK06, MSL06, and MSN10, MC4810 in WI

are available from our Company where state approved. Some states require these plans be available to persons eligible for

Medicare due to disability. This is a solicitation for insurance. You may be contacted by an Agent representing United American

Insurance Company. *From A.M. Best Company as of 6/15. This rating refers only to the overall financial strength of the

company and is not a recommendation of the specific policy provisions, rates or practices of the insurance company.

To learn more:

Stability: Now More Than Ever

Stability: Now More Than EverDisenrolled by Medicare Advantage?

Find a stable home with United American Insurance Company.

Providing individual Medicare Supplement insurance

plans since Medicare began in 1966.

A+ (Superior) Financial Strength Rating*

United American Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program. Policies and benefits may vary by state and have some limitations

and exclusions. Individual Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSG10, MSF10, MSHDF10, MSK06, MSL06, and MSN10, MC4810 in WI are available

from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability. This is a solicitation for insurance. You may be contacted

by an Agent representing United American Insurance Company. *From A.M. Best Company as of 6/15. This rating refers only to the overall financial strength of the company and is not a

recommendation of the specific policy provisions, rates or practices of the insurance company.

To learn more:

Stability: Now More Than Ever

UAI0561 1015

AD-238 R10

UAI0561 1015

www.unitedamerican.com

www.unitedamerican.com

Med-Supp Print Ad

2 Column

3 Column

Agent Name Agent Address Agent Phone

Agent Name Agent Address Agent Phone

AD-238 R10

Stability: Now More Than Ever

Policy Form XXXX

Disenrolled by Medicare Advantage? Find a stable home with United American Insurance Company.

Providing individual Medicare Supplement insurance plans since Medicare began in 1966.A+ (Superior) Financial Strength Rating*

United American Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSG10, MSF10, MSHDF10, MSK06, MSL06, and MSN10, MC4810 in WI

are available from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability. This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company. *From A.M. Best Company as of 6/15. This rating refers only to the overall financial strength of the

company and is not a recommendation of the specific policy provisions, rates or practices of the insurance company.

To learn more:

Stability: Now More Than Ever

Stability: Now More Than EverDisenrolled by Medicare Advantage?

Find a stable home with United American Insurance Company.

Providing individual Medicare Supplement insurance plans since Medicare began in 1966.

A+ (Superior) Financial Strength Rating*

United American Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSG10, MSF10, MSHDF10, MSK06, MSL06, and MSN10, MC4810 in WI are available

from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability. This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company. *From A.M. Best Company as of 6/15. This rating refers only to the overall financial strength of the company and is not a

recommendation of the specific policy provisions, rates or practices of the insurance company.

To learn more:

Stability: Now More Than Ever

UAI0561 1015

AD-238 R10 UAI0561 1015

www.unitedamerican.com

www.unitedamerican.com

Med-Supp Print Ad

2 Column

3 Column

Agent Name Agent Address Agent Phone

Agent Name Agent Address Agent Phone

Sorry we missed you!

FC657

SENIORSAre you looking for an affordable Medicare Supplement insurance solution?WE MAY HAVE IT! If you are in relatively good health, it may make sense to consider an HDF policy with United American for the considerable savings in premiums!

UA ProCare Monthly Premium Comparison*Plan F Plan HDF How much can the HDF policy save you annually in premiums?$188 $32 $156 x 12 = $1,872

* UA ProCare national average monthly premium, female, age 65 nonsmoker. Per Company records 03/16. For illustrative purposes only.

UAI2806 0916

8 DECEMBER 2016 STAND OUT FROM THE CROWD STAND OUT FROM THE CROWD DECEMBER 2016 9

Eagles Club is an elite group of Agency leaders representing the best of United American and Globe Life of New York.

Through November 2016, these top producing General Agents and Agencies have the highest net combined annualized premium. Agents/Agencies producing $350,000 or more in NAP will qualify for club membership and receive an award at convention; the top 10 will have their photo on the wall at the Home Office.

Through November 2016, these top producing Writing Agents have the highest net combined annualized premium.

2016 EAGLES

PRESIDENT'S CLUB PACESETTERS CLUB

#1

#2

#3

#4

#5

#1

#2

#3

#4

#5

Jon Ahlbum The Ahlbum Insurance

Group, Inc. $4,981,736

Mike Lemar Sunshine State Agency

$1,891,082

Catherine Hatton Long Island Insurance

Solutions $1,635,561

William Borosak Jr. Secure Financial

Group, LLC $1,565,192

Tim Ahlbum Health Coverage

Solutions $1,408,420

AGENT NAME AGENC YYTD PRODUCTION

1 Donna Ahlbum The Ahlbum Insurance Group, Inc. $1,284,272

2 Paul Sheldon, CLU, ChFC Paul Sheldon Insurance & Benefits Planning $813,935

3 Kerry Sachs Secure Retirement Solutions, Inc. $726,162

4 Ron Concklin Rosenberg-Concklin, Inc. $676,287

5 Christopher Graham, CLU Graham Financial Group, Inc. $656,173

6 John Clark Senior Solutions Insurance Agency $640,760

7 Scott Mednick Professional Insurance Systems of Florida $623,184

8 Lisa Rosati Rosati Insurance Agency $512,817

9 Robert Wroblewski SOS Insurance Group $418,101

10 Scott Schwartz Insurance Protection Services $374,380

11 Vincent Abbatiello Mainstay Retirement Solutions $321,626

12 Joseph Maisonet Maisonet Insurance Agency $282,446

13 Gina Savage Savage Insurance Agency $263,461

14 American Eagle Consultants, Inc. $261,726

15 Loren Olguin Olguin Insurance Agency $260,482

16 Brian Gilbert Gilbert Insurance Agency $253,268

17 Richard Schwartz Insurance Center of S. Florida $248,782

18 Edward Catron Catron Insurance Agency $240,651

19 Centerstone Insurance & Financial Svcs. $236,083

20 Shawn Schroeder Jack Schroeder & Associates, Inc. $234,878

21 Jackson Edwards IV Edwards Insurance Agency $231,045

22 Pierre Abadjian Abadjian Insurance Group $220,337

23 Senior Insurance Marketing, Inc. $215,608

24 Cesar Chacon The Insurance Hub $215,313

25 Nicholas Mangini Mangini Insurance Agency $214,751

26 Mike Stevens Farm & Ranch Healthcare, Inc. $197,178

27 Valerie Bahlkow Bahlkow Insurance Agency $195,357

28 Long Island Health Plans, Inc. $190,614

29 Peter Gelbwaks Gelbwaks Executive Marketing Corp. $190,556

30 ERIN Marketing, Inc. $185,021

AGENT NAMEYTD PRODUCTION

1 Paul Sheldon, CLU, ChFC $811,627

2 Tim Ahlbum $558,504

3 Scott Schwartz $374,380

4 Kerry Sachs $367,634

5 Lisa Rosati $308,773

6 Ray Stevens $303,364

7 Jason Stevens $279,844

8 Christopher Graham, CLU $256,591

9 Brian Gilbert $256,112

10 Glenn Ripoll $248,436

11 Eugene Ranney $223,572

12 Vincent Abbatiello $201,471

13 Thomas Payant $198,371

14 Jon Ahlbum $193,315

15 Mark Hargis $192,722

16 Gary Kempler $191,015

17 Devin Barta $190,212

18 Nicholas Mangini $188,699

19 Xiomara Ottovegio $180,095

20 Beverly Kingsley $165,093

21 Neill Aarons $162,204

22 Stephen Maisto $158,597

23 Dexter Saylor $156,854

24 Valerie Bahlkow $154,895

25 Joseph Jaffe $154,277

26 Bryan Wiedersum $152,352

27 Gina Savage $151,892

28 Robert Holzman $147,917

29 Jackson Edwards IV $147,069

30 Aaron Gordon $144,556

10 DECEMBER 2016 STAND OUT FROM THE CROWD

PACESETTERS CLUB

Through November 2016, these top producing General Agents and Agencies have the highest net life annualized premium.

Through November 2016, these top producing Writing Agents have the highest net life annualized premium.

TOP 30 LIFE GENERAL AGENTS

TOP 30 LIFE WRITING AGENTS

Mark Graham AmeriLife

$1,135,633

Devin Barta Barta Insurance Agency

$1,119,554

Ray Stevens Stevens & Associates

Insurance Agency, Inc. $1,007,882

Edward Shackelford The Assurance

Group, Inc. $1,005,163

Stephen Maisto Senior Health Solutions

$383,825

AGENT NAME AGENC Y

1 Mike Stevens Farm & Ranch Healthcare, Inc.

2 Joseph Iannelli Iannelli Insurance Agency

3 Mark Graham AmeriLife

4 Donald Howe Howe Insurance Agency

5 Catherine Hatton Long Island Insurance Solutions

6 Gilbert Williams Williams Insurance Agency

7 Sylvan-James Associates, Inc.

8 John Clark Senior Solutions Insurance Agency

9 Sheldon Reid Reid Insurance Agency

10 Hulda Hicks Hicks Insurance Agency

11 John Barberan Barberan Insurance Agency

12 Mike Lemar Sunshine State Agency

13 Richard Sakharoff Security Benefits Group, Inc.

14 Mark Landis Metro Insurance & Financial Services

15 Dorothy Jones Jones Insurance Agency

16 Scott Mednick Professional Insurance Systems of Florida

17 Everett Forney Forney Insurance Agency

18 Alcoen & Associates, LLC

19 Shamseldin Omer Omer Insurance Agency

20 D & P Jones Insurance Services, Inc.

21 Loren Olguin Olguin Insurance Agency

22 William Masterson Masterson Insurance Agency

23 Susan Hirsch Hirsch Insurance Agency

24 Michael Brickley Sr. Brickley Insurance Agency

25 Daniel Dragan Dragan Insurance Agency

26 Dawn Manor Manor Insurance Agency

27 Benefit Plans of America, Inc.

28 Raymond White Jr. White Insurance Agency

29 Jacob McGeoy Secure Benefits Alliance

30 Robert Collins Collins Insurance Agency

AGENT NAME

1 Mark Simpkins

2 Stephen Pilotti

3 Gilbert Williams

4 Joe Gray

5 John Muamba

6 Julio Alvarez

7 Randy Merrell

8 Larry Brooks

9 Richard Sakharoff

10 Hulda Hicks

11 Joseph Butler

12 William Masterson

13 Benjamin Sulsky

14 Michael Brickley Sr.

15 Regina Sakkal

16 Raymond White Jr.

17 Christian Mollon

18 Shirrlee Bays

19 Peter Gbongay

20 Loren Olguin

21 Dawn Horne

22 Ronald Woodlief

23 Elmer Garcia

24 Douglas McElroy

25 Roy Moreira

26 John Barberan

27 Elliot Ricks

28 Diana Ellison

29 Jesse Brown

30 Curtis Bradsher

10 DECEMBER 2016 STAND OUT FROM THE CROWD STAND OUT FROM THE CROWD DECEMBER 2016 11

INTERCONTINENTAL CHICAGO MAGNIFICENT MILE

#UACONVENTION2017 JUNE 24–27, 2O17

WH

AT Y

OU

NEE

D T

O Q

UA

LIFY

IF

YO

U A

RE

A G

ENER

AL

AG

ENT:

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 W

RIT

ING

AG

ENT:

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

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. Non-standard (Disability) Medicare Supplement production will not count towards qualification for Convention, Awards or Club honors.

ARE YOU ON PACE TO JOIN US?