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

September 2014

Director of MarketingChristie Gibson

EditorsRoberta Boyd King Christine Perrenot

Social Media & SEO SupervisorGina Circelli

Graphic DesignerJohn Begg

Emaileditor@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 email agencyservice@torchmarkcorp.com

Supply Order Fax469-525-4290 attn: agency supply

Supply Order Emailagentsupply@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.

ATTN: NEW JERSEY AGENTSAs previously communicated, United American’s ProCare Medicare Supplement Plans A, C, F, and HDF are again approved for sale in New Jersey! Rates are as low as $50/mo for Plan HDF (preferred, female, age 65).

Brainshark online training is available for UA ProCare. Go to UAOnline, click ‘UA General Agency Office’, ‘Product Training’. Sign in as requested and the course should begin.

Free training webinars are available at www1.gotomeeting.com/register/185993544.

NJ ProCare applications are not currently available on the iGO e-App®.

Access training materials, marketing information, etc., on the Agent website. Go to UAOnline www.unitedamerican.com/logon click on ‘UA General Agency Office’, ‘Products/Rates’, ‘Medicare Supplement’. Find additional required materials on the New Jersey Compliance Sheet.

UA Partners®, our optional, noninsurance discount medical program, is also available in New Jersey. See details on the Agent website under ‘Discount Programs’.

MEDICARE SUPPLEMENT BENCHMARK REFUNDS United American and First United American give refunds and/or premium credits to Medicare Supplement policyholders issued these Medicare Supplement Plans effective as of Dec. 31, 2013, in the following states:

Arizona MSBCalifornia MSB, MSF*Illinois MSB, Prestandardized PlansLouisiana MSB, MSF*, MSGMississippi MSB, Prestandardized PlansMontana MSF*Nebraska MSF*New Mexico Prestandardized PlansNew York MSKOhio Prestandardized PlansOklahoma MSGOregon MSGPennsylvania MSBSouth Carolina MSB, MSGTexas MSF*Utah MSBWashington MSGWest Virginia MSF*, Prestandardized PlansWisconsin M48

Some policyholders may receive between one and six month’s premium credit and others a refund. If a policyholder receives a premium credit, no commission is paid in association with this waiver period.

*MSF includes HDF

ATTN: CALIFORNIA AGENTS As previously communicated, at the direction of the California Insurance Department, Agents must collect and submit no more than one month’s premium with an application for a California Medicare Supplement policy. If the policyholder wishes to pay on an annual, semiannual, or quarterly premium mode, the balance of premium for the different payment mode may be collected and submitted to New Business at policy delivery, whereby the policy will be reissued, OR the policyholder may change premium mode at renewal time.

Please contact Agency Service at 1-800-925-7355 or email agencyservice@torchmarkcorp.com with questions on any of the above issues.

WAY TO GO, AGENCY SERVICE!Regional Director Gary Owen recently received an email from UA Agent G.G. Trautmann:

“A woman named Beverly Haller helped me with all of this information. She was absolutely wonderful and extremely kind and helpful. I was completely unaware of the capabilities that UA’s website had to offer, and she walked me through the reports. Thank you very much!”

If you’ve ever spoken with Agency Service, you know Beverly and her team go above and beyond to help Agents, whether getting specific information for them or showing them how and where they can find it themselves on UAOnline. The Agency Service team is one of United American’s best training tools!

INTEREST RATES SET The Lifestyle Annuity rate for Sept. 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

“I believe in the dignity of labor, whether with head or hand; that the world owes no man a living but that it owes every man an opportunity to make a living.”

~ John D. Rockefeller2 September 2014 Aim for LIFE

Opportunity Keeps Coming ...Believe it or not, it’s almost the fourth quarter. Where has the time gone? This has been a busy year — multiple live seminars, new training webinars, e-App certification webinars, implementation of the Automated Agent Appointment System, redesigned recruiting website, incentive programs, etc.

Help Seniors love life too!Now we are thrilled to have United American’s new Whole Life for Final Expenses product already approved in many states. Since its issue age starts at 50, it’s a tremendous product to offer your Senior and soon-to-be Senior customers. This is the optimum time to introduce this product, since September is Life Insurance Awareness Month. See the center spread for additional details on the Whole Life for Final Expenses product. Of course, we still offer term life products with UA’s Fundamental Life Series. Help your customers decide what works best for them, their lifestyle, and their financial situation. Don’t let them be part of the uninsured statistics in this country.

Is an Amazon gift card in your future?The Third Quarter Incentive is just about over, but we achieved our objectives — raising awareness about the tremendous need for Cancer and Critical Illness insurance and rewarding you for quality production.

I hope you are one of the recipients of the $500 Amazon gift cards. That could be a big help with your holiday shopping … or that 55-inch TV you’re considering.

The AEP is coming!Of course, October 15 is when you really turn up the volume on Medicare Supplement production. The Medicare Annual Enrollment Period that runs until Dec. 7 is traditionally a busy time of year. During this period, all people with Medicare can change their Medicare health plan and their prescription drug coverage. What’s that mean for you? Offer a quality UA or First UA Medicare Supplement to Seniors who:

� Need to be educated on the features of both Medicare Supplements and Medicare Advantage plans so they can make the best choice for them.

� Turn 65 and need a plan to supplement Medicare for the first time.

� Want to purchase a different Medicare Supplement plan than the one they currently have.

� Have a Medicare Advantage plan, but are considering switching to a Medicare Supplement plan.

� Definitely want to purchase something other than a Medicare Advantage plan.

All Seniors or soon-to-be Seniors could potentially be your next prospect or customer, whether or

not they currently have a Medicare Supplement. When Jan. 1, 2015, rolls around, you have another opportunity to promote the value and quality of UA and First UA to those disenrolling from a Medicare Advantage plan. But, I’ll talk more about that in Nov. and Dec. Summit!

Something I’m really excited about this year is the tremendous feedback the Directors, Recruiters, and I are receiving from Agents who have attended seminars and webinars. I want to share this one with you.

“Hello Tom (Hall),

I had the pleasure of meeting with you and Steve (Siet) yesterday morning at the Holiday Inn/OakBrook, while attending your training workshop. I must say this was by far the most informative workshop I have attended in my 25+ years in the business … jam packed with great, pertinent information presented in a straightforward, interesting, and entertaining manner. Well done! I look forward to a mutually profitable relationship with you all at UA.”

~ Agent Gary Mikoljak

If you haven’t attended a webinar or live seminar lately, what are you waiting for? Check the dates and locations on the Agent website and sign up today. Get ready, my friends! The fourth quarter is going to be a great one. I’m already looking forward to seeing you in Boca in 2015!

Aim for LIFE September 2014 3

Charles Mankamyer Senior Vice President / General Agents

WELCOME toUNITED AMERICANAbad, GregorioAden, John F.Alderson, JonathanAllen, DyanAlley, George W.Alvis, JennieAmaechi, BennethAmherst, Chad J.Anderson, Beth L.Ansel, WilliamApugo, UgoArfaras, Kem K.Askin, Charles D.Bailey, BrianBaldwin, Jackie A.Banaszak, Edward J.Banks, Lloyd M.Barden, Ralph L.Barkdull, Dan K.Bassham, Carl D.BB & H Benefit DesignsBeliles, Judith R.Bennett, TheresaBerrio, Angelica J.Berson, Craig B.Bex, Phyllis A.Bibal, Socorro B.Bibbee, Rebecca S.Bice, MichaelBielak, JarekBienen, Ronald A.Bingham, Anthony IIIBinkley, John F.Bishop, Patricia S.Black, Stanford M. IIIBlack, FloydBlair, DonaldBlair, Lester J.Blakely, Mark A.Blankenship, Joel K.Blurton, Murray W.Boeje, RandiBohus, Gerald J.Bormann, Ronald J.Born, Sean K.Bornemann, Cheryl A.Bowers, BryanBoyd, John S.Boylan, Peter W.Bradford, BryanBranovacki, Stanislav S.Brantley, Billy C.Brasher, Malcolm Jr.Braun, RobertBrewer, Ralph E.Briggs, Raymond T.Brinkman, Clarence J.Brodsky, SandraBrooks, David A.Brown, George F. Jr.Brown, Robert W.Brown, William A.Bryant, Larry W.Burkhart, Susan L.Burmeister, Richard G.Burridge, George R.Burton, Ralph S.Bush, Ronnie L.Buxton, TommyByers, Vicki L.Byrum, Richard B.Cagnassola, Stephen J.Cai, PingCallahan, Michael P.Calvert, James F.Camarillo, Martha

Cantrelle, David L. Jr.Cardenas, VickieCarnahan, ErnieCarpio, Mirtha X.Castuciano, GlenCerniglia-Sullivan, Annamarie C.Chadinha-Cole, JuaniqueChalk-Watts, Linda Y.Chassang, Gerald D.Chi, GraceChristopher, JonCiesielski, Randall C.Clanton, David A.Cohn, Deborah L.Cohn, MarkColburn, DavidCole, TimCollens, Jonathan L.Collins, JacobColon-Williams, Sandra E.Colston, EarnestineCrawford, BillCross, TimCruson, Robin G.Cutler, Hollie A.Daidone, John A.Damico, James H.Dann, David W.Davis, FeliciaDayne, Fredric R.Dechellis, DanielDerr, Elizabeth M.Dillahunt, Diane M.Dillman, Brad E.Dinsmore, Dennis M.Disabato, Linda M.Divine, VladaDixon, AngelaDodo, JoshuaDominguez-Lozano, Roberto L.Donohoue Howell, MaureenDonohue, Robert J.Dooley, RobertDooling, HeleneDoran, RobertDoster, MelissaDowd, Alexander C.Downey, ElizabethDuncan, Lois A.Dunn, Daniel J.Dunn, Harry L.Dunshie, JayDuvall, Clayton M.Duvall, Jacqueline K.Duverna, JosueEagle, ElizabethEdwards, ShamekaEhrenberg, Harry L. Jr.Eisenhardt, Milton E.Ellender, DavidEmmett, Ethan C.Eo, Soo J.Esch, Jagger W.Evans, Grace J.Fabricant, Alan P.Fabrocini, Susie V.Fan, SusanFaulks, Jim D.Fell, AlbertFigueroa, Maria P.Fisher, James J.Fitzsimmons, Christopher D.Flanzer, StuartFlynn, ErinFondevila, JesusFoxworth, CaliFraser, DennisFreeman, Richard L.Frost, Delores A.

Fuller, James A.Fuller, MarciaFurst, Jerry B.Gadd, Jean B.Gamboa, Beltran C.Garity Associates Brokerage Insurance Agency, Inc.Gaynor, Oran C.Giles, John K.Glass & Burns, Inc.Glass, Deborah A.Gonzalez, KamamoriGoutman, Louis A.Grady, Henry H.Greene, William H.Gregory, Brenda S.Groeger, Anthony J.Grogan, Ed W. IIIGruca, Jodi R.Guy, Elbert D.Hamner, Roderick R.Handy, MichaelHarmala, Amy A.Harris, Allison M.Harris, James W.Harrison, TimothyHartman, William J.Hartnett, Frederick B.Harwat, HarryHawkins, MorrisHayes, DarreneHenschel, Robert D.Hensler, PamelaHerdt, Bryan K.Hermanne, SteveHerrera, MaryHeying, CarolHiggins, Suzanne M.Hill, Joseph E.Hite, Scottie W.Hollans, Laura J.Holley, AllysonHollingsworth, Mark A.Holloway, Claire L.Holmes, Jon M.Holt, Andrew E.Horlacher, DavidHoxworth, Stephen K.Hruska, Chad A.Hudson, Denise L.Huff, Edward C.Huffman, Wesley B.Hughes, Milton J.Hulett, Jeannie M.Ibrahim, Awan M.Insurance Marketing, Inc.Irawan Insurance Svcs., Inc.Irvolino, Carmen A.Isaza, Fabio L.Jabbar-Bey, Ahmad Q.Jabo, Nicole R.Jackson, Michelle R.Jacobs, Richard B.Jaillett-Nickells, JoetteJean-Baptiste, JohaneJeffery, Paul M.Jellison, Lynnette L.Jimenez, DavidJoffe, LaurenceJohnson, Bobby R.Johnson, Charles B.Johnson, GregoryJohnson, JerryJohnson, NewtonJohnston, William C.Jones, Aaron W.Jones, Julianna M.Jones, MariaJones, Willie

Joshi, Bhanwar L.Kanagie, DavidKeefe, Stephen P.Keen, AmyKeiper, TravisKeith, Elenor J.Kemp, MichelleKonradi, NancyKoppa, David T.Kotsopodis, Noula H.Krueger, Janel A.Kuforiji, OlubusolaLane, MarkLane, MichelleLang, Richard C.Latimer, Michael J.Lawal, SikiratLax, Samantha A.Leath, Vonda M.Lebeau, JohnLee, Eric L.Lee, James D.Lee, Robert E.Leffew, Robert M.Legg, Susan J.Lehman, Sheldon C.Leiser, EvelynLentz, Blake N.Lester, Richard E.Leverentz, KeithLieberman, Rose R.Lippincott, KarenLipton, LoriLiss, Jack M.Livengood, Lyndsay M.Lloyd, RobertLobdell, Deborah H.Logan, Andrew A.Lokas, CharlesLombardi, CherylLoven, PaulLukowitz, PeterLynch, ChristineMabry, ThomasMahdi, HaneefaMaiga, LolitaMaloney, BenedictMarshall, ZinnahMartin, James J.Martin, JudyMatheus, Daniel W.Mathews, J. MichelleMcArdle, Michael J.McCammon, Donna R.McClosky, Pamela J.McCrea, Ilene M.McDaniel, LindaMcDaniels, KeithMcEnery, MargueriteMcGlothlen, Thomas E.McIlveen, RichardMcKenzie, DavidMcMillan, Richard L.Meer, ShawnetteMeinig, John W.Mendez, Juan C.Menze, Richard A.Merillat, Bryan K.Messmore, Charles P.Michaels, Patricia N.Michaelson, Robert P.Michelman, Mark L.Micke, Steven J.Miller, Ellis L.Miller, Ted R.Miller, VeraMoon, Tonia R.Moore, EmilyMoore, John D.

Moore, Ralph W.Moore, RaymundaMoran, MarcosMormile, DennisMornak, DavidMote, Donald P.Musaraj, RitaMysel, KarenNabozny, LisaNagy, Mark A.Nelson, Judith L.Nelson, Wayne L.Nespoli, FrankNguyen, Huong T.Nichols, Mark E.Nolan, Henry A.Nunnally, Cynthia L.O’Connor, Dennis R.Odabashian, MarkO’Donnell, Martin A.Okoye, ElizabethOliger, Thomas C.Olivi, Raymond R.Orr, Jerre H.Osladil, BruceOst, Amelia E.Owen, ClarkOwen, William D.Padilla Gabaldon, ChristinaPadilla, BernabePalma, AnthonyPattock, Cara M.Patton, RhondaPayne, GillianPeltz, ClaudePepper, James A. IIIPerry, Kellie B.Persico, JohnPervez, FarahPeterson, JayPeterson, ToddPhan, Kien T.Pohler, Kimberly K.Pope, Richard D.Poplstein, Lynn A.Puente, EfraimPurcell, Peter G.Queen, Barbara A.Rager, Ralph D.Rakow, Karl H.Randazzo, Phillip R.Rector, Leticia M.Reddy, Shelley A.Reed, FarrahReed, GloriaReese, Connie E.Reich, Dennis F.Reilly, FrankResendez, Mark A.Rice, Angelita M.Richards, Kevin N.Riddick, TheresaRigli, Stella L.Rmia, Inc.Roberts, AllanRobinson, Larry W.Romero, Joseph A. Jr.Rosa, Juan C.Ross, Robert D.Rouland, Linda D.Ruiz Esparza, RicardoRuiz, Debbie M.Rumple, Lucas A.Russell, Craig M.Ruzic, Mark M.Saiz, MarySallustio, Richard F.Sandberg, James E.Saylor, Alan D.

Scheu, Tom W.Schmidt, Connie S.Schmidt, Gerald A.Schwantz, Christopher E.Schwarz Insurance Agency, Inc.Schwegman, BeverlySemyck, Michael J.Shah, Ravindrar M.Shands, ShaneeseSharpe, James L.Shepherd, DonaldShukla, Yogesh J.Sinel, DarrenSingletary, BeauSingletary, Walter J.Slagle, Susan L.Slonin, Stuart A.Smith, AnthonySmith, Erica M.Smith, Glore D.Smith, Jennifer J.Smith, Matthew D.Smith, Sheila M.Smith, VanessaSnowden, ConsanderSoloway, HowardSong, Tao T.Soroka, StanleySpangler, Leon G.Spear, Keith E.Spearman, Annie D.Spence, Scott C.Spencer, Michael G.Stamatinos, TomStanek, Stanley D.Stansbury, Dennis N.Steele, Dalbert C.Steinbach, John P.Stewart, Jonathan F.Stingley, Joseph Y.Storfer, BennettStout, Pamela D.Stradi, MichaelStrange, William K.Summers, MichaelSumner, Michael T.Sutherlin, Deborah H.Sweeney, Kristi L.Tepsick, YvonneThomas, William D. Jr.Thompson, JessicaToeben, David M.Tran, Emily H.Troxel, Glenn J.Tucker, Brian J.Tucker, Patrick M.Tune, KristinTurner, Bertram A.Uwakolam, Babian C.Valdez, VivianaVandemark, MarquisVanderhoof, VictorVangelakos, ConstantineVarghese, RegyVasquez, Michael A.Vilchis, ElizabethVincent, HaroldVorse, Lanny J.Watson, Rozelle M.Watts, Kevin T.Weathers, Larry D.Webb, David G.Weinrub, DavidWeintraub, Philip H. Jr.Welfl, Kamie J.Wernicki, John E.West, James E.Whigham, Mae H.White, Jackson

Wilkinson, Roger D.Williams, BenWilliams, Carla J.Williams, Elaine B.Williams, Kathleen D.Winfield, Brian P. Jr.Wirtz, Paul F.Wise, Qiana V.Withers, Michael O.Wondisford, Dale E.Wood, PeterWozniak, BrandonWozniak, Joan T.Yetterberg, Jake W.Young, Dennis J.Young, Peter T.Zang, MichaelZeigler, Cynthia C.Zettler, JoshZimmel, Jerome F.Zirolli, Anthony E.Zolkewsky, Myron T.Zuehlsdorf, David A.

FIRST UNITED AMERICANBaldes, RobertBarr Mack, SherrieBellamy, JeffreyBergman, Albert R.Burkland, StephanieButkowsky, Christine J.Cangemi, TheresaCastillo, Wilson A.Cisse, DoussouCobb, Robert W.Craig, Bruce A.DiMaggio, JosephEdmonds, LeroyEsposito, VincentFerrentino, Michael IIIFoxworth, CaliFrasier, Julie A.Frisiello, Anthony A.Garcia, Titus S.Geraci, JanetGoodwin, Daniel J.Hudson, Denise L.Huff, Lloyd A. Sr.Hunt, AprilJones, PhyllisKoskey, Paul J.Krantz, MichaelKumm, Richard J.Lighthouse, Robert W.Lio, Dennis W.Merriweather, LaverneMinieri, Joseph M.Naginey, MarkOlivo, DanielPalumbos, Vincent J.Primus, Withle E.Proseus, Margaret M.Silva, Sam N.Southard, Kendall G.Tobin, Rodney E.Valcarcel, Maria D.Weinberg, Solomon P.Werner, HankWilkie, Stephen

4 September 2014 Aim for LIFE

Automated Supply Order Form

The Medicare Annual Election Period (AEP) is approaching. UA’s new Whole Life Policy for Final Expense is approved for sale in several states. Cancer, critical illness, and other supplemental health policies are always in demand. Are you prepared? Do you have the supplies you need to complete your sales? The new Automated Supply Order Form makes it easier than ever to order supplies electronically via UAOnline.

It’s fast and easy; submit orders instantly in fewer steps.

y Supply form is customized for you. You can only order materials for products you’re licensed to sell.

y Every time you place an order, you immediately receive a confirmation email.

Get Started

y Log onto UAOnline (www.unitedamerican.com/logon)

y Click ‘UA Automated Supply Order Form’ under ‘Sales Tools’.

y Complete the initial ‘Agent Information’ screen with your Writing Agent number, first name, last name, state, and click ‘Continue’.

y Verify your Agent information on the following ‘Step 1 Agent Information’ screen and make any needed changes. Select your shipping method and indicate the email address to which you want the order confirmation sent. Click ‘Continue’.

Place the Order

y On the ‘Step 2 Placing an Order’ screen, click the product type to show the corresponding items.

y Fill in the quantity you want on each item and click ‘Continue’. Review Order

y Check to make sure your order is correct. If it’s correct, click ‘Place Order’ to complete the order.

y If the order is not correct, click ‘Edit Order’ to return to the ‘Placing an Order’ screen.

y If you change your mind about submitting the order, simply click ‘Cancel Order’.

Payment

y The only payment method is by check.

y Orders for lead generators will not ship until the Home Office receives your payment.

Send payment to:

Agent Supply Department 3700 S. Stonebridge Drive McKinney, TX 75070

Aim for LIFE September 2014 5

Aim for

LIAMLife Insurance Awareness Month

Life Insurance For

Children

Ensures that cash will be thereLife is precious. Unfortunately, accidents and disease claim the lives of children every day. Consider that:

• Accidental injuries are the leading cause of death among children in the United States*.• Cancer is the second leading cause of death among children age 1 – 24*.

Having money for final expenses provides financial protection when the unexpected happens. With United American’s Juvenile Whole Life Policy you can get help with that protection.

Whole life policies accumulate cash value, so as the child ages the value of UA’s Juvenile Whole Life policy will also grow.

Keeps the premium affordablePremiums for United American’s Juvenile Whole Life policy are based on age, so the cost to you will never be lower than it is now. Buy today and the affordable rate remains the same for life.

• Available for children ages 0-18• Benefit amounts range from $1,000 to $25,000• Terminal Illness Accelerated Benefit Rider (ABR1) is included at no additional cost. Upon satisfactory proof of

a terminal illness, this rider pays 50% of current benefits available prior to death (where state approved).

The company behind the coverageStability - United American has been in the life and supplemental health insurance business since 1947.

Strength - For more than 35 consecutive years, United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/14).

© 2014 United American Insurance Company. All rights reserved.FD113 R UAI2917 0914

*Centers for Disease Control and Prevention, NCHS Data Brief, March 2013

This brochure highlights the features of policy form SWL. Policy described herein is not a preneed or prearranged funeral plan. Policy has some limitations and exclusions. Refer to Your policy for actual coverage, benefit amounts, and terms. Plan, issue ages, and benefits may vary by state. Applicant must qualify for coverage amount applied for based on applicant’s age and health. This is a solicitation for insurance. You will be contacted by a state-licensed insurance Agent representing United American Insurance Company.

Whole Life Insurance for Final ExpensesPlan your future. Protect your family.

Losing a loved one is never easy.

But it’s much harder when there’s a financial strain to pay for final arrangements.

Life insurance helps ease the burden of loved ones paying for final expenses.

The average cost of a funeral is more than

$8,343**2013 National Funeral Directors Association General Price List (includes vault).

Having life insurance for final expenses can be as simple as...

A ... B ... CUnited American whole life insurance policies provide:

A dditional money your family needs to help pay final expenses

B enefit dollars to your beneficiary when you die

C overage up to $25,000

The Company Behind the Coverage

Stability

United American has been in the supplemental health and life insurance business since 1947.

Strength

For more than 35 consecutive years, UA has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/14).

For more information on our products, visit www.unitedamerican.com

© 2014 United American Insurance Company. All rights reserved.

But that’s not all, there are additional costs that are not included, such as:

y Cemetery plot y Monument, up to $7,000* y Marker

That’s more than

$15,000Could your family afford to cover these costs?

*2013 National Funeral Directors Association General Price List (includes vault).

United American Final Expense Whole Life policies cover individuals ages 50-80.

Benefit amounts range from

$1,000 to $25,000 y You choose the amount of coverage that’s right for you! y Terminal Illness Accelerated Death Benefit Rider (ABR1)

included at NO EXTRA COST**Policy Forms SWL/SWLGD

**Available on standard plan codes for a qualifying illness.

This brochure highlights the features of policy forms SWL, SWLGD. Policies described herein are not preneed or prearranged funeral plans. These policies have some limitations and exclusions. Refer to Your policy for actual coverage, benefit amounts, and terms. Plans, issue ages and benefits may vary by state. Applicant must qualify for coverage amount applied for based on applicant’s age and health. This is a solicitation for insurance. You will be contacted by a state-licensed insurance Agent representing United American Insurance Company.

UAI2886 0714FD068

Offer customers UA’s new WHOLE LIFE INSURANCE FOR FINAL EXPENSES (Form SWL/SWLGD):

Available for issue ages 50 to 80.

Benefit amounts range from $1,000 to $25,000.

Where state approved, the Terminal Illness Accelerated Death Benefit is added to standard plan codes at no additional cost to the policyholder.

It’s a quality product you can offer your Medicare Supplement prospects and policyholders *.

The product has been approved for sale in the following states: Alabama, Arizona, Arkansas, California, Colorado, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Dakota, Tennessee, Utah, West Virginia, and Wisconsin.

This is the eleventh year the nonprofit LIFE Foundation has designated September as Life Insurance Awareness Month (LIAM). Its purpose is to create greater awareness among Agents and consumers about the tremendous need for life insurance. Here’s a quote from its website that puts ‘life’ into perspective:

Life insurance can do some pretty amazing things for people. It can buy loved ones time to grieve. It can pay off debts and loans, providing surviving family members with the chance to move on with a clean slate. It can keep families in their homes and fund a child’s college education. It can keep a family business in the family. It can provide a stream of income for a family to live on for a period of time. First things first, though: you need to own life insurance..

WHOLE LIFE or TERM LIFE? Help your customers decide!

You also can offer customers UA’s new JUVENILE WHOLE LIFE PRODUCT (Form SWL):

Available for issue ages 0 to 18. Benefit amounts range from $1,000 to $25,000.

Where state approved, the Terminal Illness Accelerated Death Benefit is added at no additional cost to the policyholder.

The product has been approved for sale in the following states: Alabama, Arkansas, Arizona, Colorado, Delaware, Georgia, Hawaii, Idaho, Iowa, Michigan, Mississippi, Nevada, Rhode Island, South Dakota, and Utah. You’ll be notified as additional states are approved for both products.

Help protect the future financial wellbeing of your customers with affordable whole life and term life products from United American.

*Check if your state(s) limits or prohibits selling other products at the same time you sell a Medicare Supplement. A separate presentation may be required.

Sources: http://www.limra.com/uploadedFiles/limra.com/LIMRA_Root/Posts/PR/LIAM/PDF/2014-LIAM-Fact-Sheet.pdf; http://www.lifehappens.org/life-insurance-awareness-month/

6 September 2014 Aim for LIFE

Life Insurance For

Children

Ensures that cash will be thereLife is precious. Unfortunately, accidents and disease claim the lives of children every day. Consider that:

• Accidental injuries are the leading cause of death among children in the United States*.• Cancer is the second leading cause of death among children age 1 – 24*.

Having money for final expenses provides financial protection when the unexpected happens. With United American’s Juvenile Whole Life Policy you can get help with that protection.

Whole life policies accumulate cash value, so as the child ages the value of UA’s Juvenile Whole Life policy will also grow.

Keeps the premium affordablePremiums for United American’s Juvenile Whole Life policy are based on age, so the cost to you will never be lower than it is now. Buy today and the affordable rate remains the same for life.

• Available for children ages 0-18• Benefit amounts range from $1,000 to $25,000• Terminal Illness Accelerated Benefit Rider (ABR1) is included at no additional cost. Upon satisfactory proof of

a terminal illness, this rider pays 50% of current benefits available prior to death (where state approved).

The company behind the coverageStability - United American has been in the life and supplemental health insurance business since 1947.

Strength - For more than 35 consecutive years, United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/14).

© 2014 United American Insurance Company. All rights reserved.FD113 R UAI2917 0914

*Centers for Disease Control and Prevention, NCHS Data Brief, March 2013

This brochure highlights the features of policy form SWL. Policy described herein is not a preneed or prearranged funeral plan. Policy has some limitations and exclusions. Refer to Your policy for actual coverage, benefit amounts, and terms. Plan, issue ages, and benefits may vary by state. Applicant must qualify for coverage amount applied for based on applicant’s age and health. This is a solicitation for insurance. You will be contacted by a state-licensed insurance Agent representing United American Insurance Company.

F6183

Policy Forms UL10-20

Rider Forms UAADR, U4272, UADWPR

Fundamental Life Series™ Life Insurance Policies from $25,000 to $500,000

United American Insurance Company has been one of the nation’s leading providers of life insurance products for more than 60 years. You can purchase United American’s life insurance with confidence that it is from a company that does what it says it will do.

Where will the money come from to pay for your final expenses and obligations?

The death of a loved one is an emotionally stressful time. Immediate financial obligations add to that stress. Funerals rank among the most expensive purchases many consumers will ever make. But funerals aren’t the only expenses. Cemetery costs, medical bills, and family living expenses also have to be considered.

The most logical reason to purchase life insurance is to relieve your family from the burden of paying for your final expenses when you die. But, it's not the only reason.

If you are no longer there to help support your family, how will they pay the mortgage, car payments, or credit card bills? If you have children, will their college tuition be in jeopardy?

A United American life insurance policy can help pay for immediate final expenses, life’s other necessities, or even provide a future nest egg for your children and grandchildren.

Planning today makes good financial sense – for people of any age – and can help ease the financial burden placed on your family when the inevitable happens.

You own the policyThe insurance policy is written to you as an individual and is not tied to any affiliation with a group or association.

Your policy cannot be canceledAs long as your premiums are paid on time, your policy cannot be canceled, regardless of your age or changes in your health.

Purchasing life insurance now helps ease the burden of final expenses from your

loved ones later.United American’s new whole life products are a great complement to UA’s term life products, the FUNDAMENTAL LIFE SERIES:

Available for issue ages 0 to 60; 20 to 70 or 20 to 60, depending on product selected.

Benefit amounts range from $25,000 to $500,000.

Get information for all United American’s life products on the UAGA Agent website. Click ‘Products/Rates’, ‘Life’, for product brochures, rates, etc.

“No one ever told me when I was 13 my mom would die in the hospital from an accident. My brother was 4; my dad was 35; my mom was 31. If it were not for

the life insurance she purchased, my father would not have been able to keep the family going.”

~ UA Agent Neal Stacy

According to LIMRA, the Life Insurance and Market Research Association:

95 million adult Americans have no life insurance whatsoever.

Fewer than half of consumers ages 25 to 64 have individual life insurance coverage.

Forty-four percent of individuals without life insurance at least realize they need it.

Bottom line: Thousands of families either have no life insurance or not enough, leaving them one accident or terminal illness away from a financial catastrophe for their loved ones.

You also can offer customers UA’s new JUVENILE WHOLE LIFE PRODUCT (Form SWL):

Available for issue ages 0 to 18. Benefit amounts range from $1,000 to $25,000.

Where state approved, the Terminal Illness Accelerated Death Benefit is added at no additional cost to the policyholder.

The product has been approved for sale in the following states: Alabama, Arkansas, Arizona, Colorado, Delaware, Georgia, Hawaii, Idaho, Iowa, Michigan, Mississippi, Nevada, Rhode Island, South Dakota, and Utah. You’ll be notified as additional states are approved for both products.

Help protect the future financial wellbeing of your customers with affordable whole life and term life products from United American.

*Check if your state(s) limits or prohibits selling other products at the same time you sell a Medicare Supplement. A separate presentation may be required.

Aim for LIFE September 2014 7

Make Cancer and Critical Illness Sales

THE JEWEL in Your 3rd Quarter Production

Everyone knows the devastating effects a cancer or critical illness diagnosis can bring. Some of you have personally experienced it or watched friends and relatives deal with it. What’s the bottom line? The importance of selling cancer and critical

illness coverage cannot be overstated, because the need for it is overwhelming.

CONTEST RULESContest period is July 1, 2014, to Sept. 30, 2014Applications must be written and issued during

the contest period to qualify toward rewards.

WHO QUALIFIES?All appointed United American and

First United American Agents

PEARL LEVEL Generate $1,001 – $2,500 NAIP

Earn a $50 Amazon gift card

SAPPHIRE LEVELGenerate $2,501 – $4,500 NAIP Earn a $150 Amazon gift card

RUBY LEVEL Generate $4,501 – $6,500 NAIP Earn a $250 Amazon gift card

EMERALD LEVEL Generate $6,501 – $9,999 NAIP Earn a $350 Amazon gift card

Agents receive a FREE ‘Cancer Sucks’ wrist band and

cancer pin at all production levels.

DIAMOND LEVEL Generate $10,000 + NAIP

Earn a $500 Amazon gift card

During the UA/First UA 3rd Quarter Incentive, sell the following policies to earn rewards:

UA Cancer Policy (CAGR) UA Cancer Expense Coverage (CAXC, CIXC) UA Cash Benefit Cancer (CANLS-2, CANLS, CANB) UA HealthGuard (CILS)

First UA Cash Benefit Cancer (NYCANLS-2)

Earn Rewards and Show Your Support!!Just as some precious gems are more valuable than others, the larger

your cancer and critical illness production, the bigger your reward!

SAPPHIRE LEVELGenerate $2,501 – $4,500

Earn a $150 Amazon gift card

8 September 2014 Aim for LIFE

BOCAThe Many Faces of …

Boca is more than beautiful beaches,

a laid-back lifestyle, and magnificent, year-round weather …

The

IBM computer was created in Boca Raton.

Offi

ce D

epot has its global headquarters in Boca.

gated communities in the United States.

The city has three of the 10 m

ost expensive

Boca

’s airp

ort was used for bomber planes during WW

II.

developer Donald Trump have homes in Boca.

Sin

ger Jon Bon Jovi, NASCAR driver Jeff Gordon, and

Addi

son M

izner, in

strumental in developing Boca Raton, was the richest man in the

Uni

ted

State

s at o

ne time, yet died broke and never completed his vision for Boca.

Boca Raton has a world-class resort called the Boca

Raton Resort & Club (you probably knew that).

DID YOU KNOW?

2015 Convention Destination

June 18-21, 2015

Sources : http://www.city-data.com/forum/city-vs-city/698341-20-interesting-facts-about-your-city-5.html; http://www.bocaraton.com/index.aspx?pid=143; http://www.bocaexpert.com/blog/what-is-boca-raton-known-for.html

Aim for LIFE September 2014 9

#2

#2

#3

#3

#4

#4

#5

#5

#1

#1

PACESETTERS CLUB

PRESIDENT'S CLUB

PAUL T. SHELDON TIM AHLBUM KERRY SACHS SCOTT J. SCHWARTZ DEVIN M. BARTA

6. PHILIP L. ROBBINS

7. EDWARD A. CATRON

8. FRED M. ULAYYET

9. RAY STEVENS

10. JON AHLBUM

11. JACKSON EDWARDS IV

12. MARK HELLER

13. AARON GORDON

14. DEXTER R. SAYLOR

15. CHAD A. ROBBINS

16. ROBERT HOLZMAN

17. JOSEPH A. JAFFE

18. JAMES A. LAUGHLIN

19. JASON STEVENS

20. JEFF D. HACKMEIER

21. RICHARD D. SAKHAROFF

22. JULIA G. LEMBCKE

23. ROBERT V. TANTILLO

24. JULIO C. CORTES

25. CHRISTOPHER N. GRAHAM

26. GARY S. KEMPLER

27. BEVERLY J. KINGSLEY

28. CATHERINE E. HATTON

29. EUGENE RANNEY

30. VINCENT ABBATIELLO

Through August 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 September 2014 Aim for LIFE

1. MIKE STEVENS Farm & Ranch Healthcare, Inc.

2. DONALD K. SALTIS Saltis Insurance Agency

3. NEAL STACY Stacy Insurance Agency

4. RONALD C. WOODLIEF Woodlief Insurance Agency

5. CHARLES A. LOPER JR. Loper Insurance Agency

6. ENSURITY GROUP, INC.

7. FRANCES D. SALETT Salett Insurance Agency

8. EDWARD A. MAXFIELD Maxfield Insurance Agency

9. JON AHLBUM The Ahlbum Group

10. JOSEPH MAISONET Maisonet Insurance Agency

11. LEE V. JERNIGAN Jernigan Insurance Agency

12. MARCUS KABORE Kabore Insurance Agency

13. ORAN W. YOUNG Young Insurance Agency

14. LOREN A. OLGUIN Olguin Insurance Agency

15. MICHAEL E. SMITH Smith Insurance Agency

16. JACOB M. MCGEOY Secure Benefits Alliance

17. AMERICAN EAGLE CONSULTANTS, INC.

18. GREGORY A. LOERZEL Loerzel Insurance Agency

19. MACK M. DANIELS Daniels Insurance Agency

20. WILLIAM P. SCARCELLA Scarcella Insurance Agency

21. JOHN W. HARRINGTON Harrington Insurance Agency

22. DAVID K. DANIELS David K. Daniels & Associates, Inc.

23. SAMUEL A. DUNCAN Duncan Insurance Agency

24. LIONEL D. STOCKWELL Stockwell Insurance Agency

25. ROBERT M. WROBLEWSKI SOS Insurance Group

26. GEORGE L. MORTENSEN Mortensen Insurance Agency

27. JOHN W. CLARK Senior Solutions Insurance Agency

28. HERSCHELL A. MCCOY McCoy Insurance Agency

29. JESSE E. BROWN Brown Insurance Agency

30. BENEFIT PLANS OF AMERICA, INC.

1. MARK A. SIMPKINS

2. RICHARD L. KRETSCHMAN

3. EDWARD T. CODY

4. RONALD C. WOODLIEF

5. LEE A. MCGRIGGS

6. DORA SOLIS

7. FRANCES D. SALETT

8. CICERO MORRIS

9. WILLIAM E. CRAIGHEAD

10. LEE V. JERNIGAN

11. MARCUS KABORE

12. ORAN W. YOUNG

13. JOSEPH MAISONET

14. LOREN A. OLGUIN

15. ROBERT C. LACKEY

16. MICHAEL E. SMITH

17. ROBERT R. PARKER

18. MARIA-RICHETTA HARRIS

19. MACK M. DANIELS

20. WILLIAM P. SCARCELLA

21. DANIEL HINES

22. JOHN W. CRAVEN SR.

23. SAMUEL A. DUNCAN

24. LIONEL D. STOCKWELL

25. ROGER A. GRADY JR.

26. CARLTON R. HAWKINS SR.

27. GEORGE L. MORTENSEN

28. TONYA KOGER

29. HERSCHELL A. MCCOY

30. JESSE E. BROWN

1. JON AHLBUM The Ahlbum Group

2. MIKE LEMAR Sunshine State Agency

3. CATHERINE E. HATTON Long Island Insurance Solutions

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

5. RON CONCKLIN Rosenberg-Concklin, Inc.

6. RAY STEVENS Stevens & Associates Insurance Agency, Inc.

7. SCOTT E. MEDNICK Professional Insurance Systems of Florida

8. ROBERT M. WROBLEWSKI SOS Insurance Group

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

10. PHILIP L. ROBBINS Robbins Insurance Agency

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

12. SCOTT J. SCHWARTZ Insurance Protection Services

13. JOSEPH MAISONET Maisonet Insurance Agency

14. FRED M. ULAYYET Senior Care Insurance Services, Inc.

15. PAUL SWEENEY Quality First Insurance Agency, Inc.

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

17. JOHN W. CLARK Senior Solutions Insurance Agency

18. MARK HELLER Heller Insurance Agency

19. AMERICAN EAGLE CONSULTANTS, INC.

20. PETER S. GELBWAKS Gelbwaks Executive Marketing Corp.

21. BENEFIT PLANS OF AMERICA, INC.

22. CENTERSTONE INSURANCE & FINANCIAL SVCS.

23. NAYEEM SIDDIQUE Siddique Insurance Agency

24. CENTURION AGENCY, LTD.

25. RICHARD S. SCHWARTZ Insurance Center of S. Florida

26. RICHARD D. SAKHAROFF Security Benefits Group, Inc.

27. MARC ZUM TOBEL Consolidated Insurance Group, Inc.

28. STUART ALAN Senior Care Insurance Center

29. CARMEN A. RODRIGUEZ Landers-Stein & Associates

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

1. PAUL T. SHELDON

2. TIM AHLBUM

3. KERRY SACHS

4. SCOTT J. SCHWARTZ

5. DEVIN M. BARTA

6. PHILIP L. ROBBINS

7. EDWARD A. CATRON

8. FRED M. ULAYYET

9. RAY STEVENS

10. JON AHLBUM

11. JACKSON EDWARDS IV

12. MARK HELLER

13. AARON GORDON

14. DEXTER R. SAYLOR

15. CHAD A. ROBBINS

16. ROBERT HOLZMAN

17. JOSEPH A. JAFFE

18. JAMES A. LAUGHLIN

19. JASON STEVENS

20. JEFF D. HACKMEIER

21. RICHARD D. SAKHAROFF

22. JULIA G. LEMBCKE

23. ROBERT V. TANTILLO

24. JULIO C. CORTES

25. CHRISTOPHER N. GRAHAM

26. GARY S. KEMPLER

27. BEVERLY J. KINGSLEY

28. CATHERINE E. HATTON

29. EUGENE RANNEY

30. VINCENT ABBATIELLO

LOOK FOR YOUR NAME ON FACEBOOK AND TWITTER!

LOOK FOR YOUR NAME ON FACEBOOK AND TWITTER!

Aim for LIFE September 2014 11

LIFE HEALTH

LIFE HEALTH

GE

NE

RA

L A

GE

NT

SW

RIT

ING

AG

EN

TS

BOCA

RATON

FLORIDA

2015 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.