February 2O15 - United American Insurance Company
February 2O15The news and ideas magazine for the Independent Agents of United American and First United American Life Insurance Companies
DIRECTOR OF MARKETINGChristie GibsonCONTENT SUPERVISORKaley LockabyEDITORSRoberta Boyd KingGay FalkowskiGRAPHIC DESIGNERJohn BeggEMAILeditor@torchmarkcorp.comto update information for Summit orto submit news for the Editor’s page.HOME OFFICE972-529-5085FIRST UA315-451-2544AGENT SERVICE CENTER800-925-7355 or rican.comfirstunitedamerican.com/officeATTN: PROCARE RATE APPROVALS INHI, IA, ME, MT, TN, AND VTAs previously communicated, United Americanhas received new 2015 rate approvals for ProCareMedicare Supplement plans in Hawaii, Iowa,Maine, Montana, Tennessee, and Vermont.The new business and renewal effective dateis March 1, 2015, in Maine, Tennessee, andVermont and March 15, 2015, in Hawaii, Iowa,and Montana.Please contact Agency Service at 1-800-925-7355or email agencyservice@torchmarkcorp.comwith questions.ATTN: ALL UA AND FIRST UA AGENTSAs an Agent of UA or First UA it’s important you’reaware of and adhere to federal Do Not Call (DNC)regulations, state Do Not Call regulations, andCompany Do Not Call procedures. A memo wasrecently distributed that spelled out an Agent’sresponsibilities as they relate to Do Not Call.The memos are available on the UA and First UAAgent websites under ‘Memos’ and should bereviewed periodically.UA Agents may access this information viaUAOnline and do a ‘Do Not Call Search’ under‘Leads’ on the UA Agent website.First UA Agents may do a ‘Do Not Call Search’by clicking on the left side of the home page.Download First UA Do Not Call Guidelines at thebottom of the page.SPREADING THE UA MESSSAGE!On Jan. 20, 2015, Donna Ahlbum, Keith Wright,and Lisa Rosati carried on The Ahlbum Grouptradition of representing UA at the AnnualBoomer Expo at the Seminole Hard Rock Hotel &Casino in Hollywood, FL.Published regularly byUnited American and FirstUnited American Life InsuranceCompanies for the disseminationof information to their Agents.Prior permission must beobtained from the Home Officefor reproduction or otheruse of material herein.2 Boomer Expos are held in cities around thecountry during the year to offer Seniors accessto information related to health, moneymanagement, nutrition, etc. Start your owntradition and spread the word about the valueof United American Medicare Supplements toSeniors in your area!February 2O15 The Choice is YoursOUTSTANDING EFFORT, VINCENT!“Bob (Lochard), my best day thisAnnual Enrollment Period startedout looking like my worst. Three ofmy five appointments had eithercanceled or rescheduled the daybefore. So the only appointments Ihad left were a policy delivery and areferral appointment.“I took out some old over-65 lead cards I purchasedusing the UA lead program. I received them back inJuly but had not been able to contact by phone ordoor knocking. I set an appointment with one person,but it was at her place of business. I usually don’t liketo meet anywhere other than their home, but I didn’thave anything else for the next day, so I booked it.“On my delivery appointment, I sold a 20,000 cancerpolicy. On my referral appointment, I sold an F Plan.And on the appointment I really didn’t want to go to,I sold an F Plan to the original person with whom Iset the appointment. Then she had me sit with threeother people who worked at that location, and I soldtwo more F Plans and an HDF Plan. What started outlooking like one of my worst field days turned out tobe my best day during the AEP with a total of 12,696in premium.” Agent Vincent AbbatielloCONGRATULATIONS AGENTTIMOTHY RUSH DECEMBER’SGAS CARD WINNER! INTEREST RATES SETThe Lifestyle Annuity rate for Feb. 2015, is 3.00percent. Rates are reviewed and adjustedaccordingly. The Deposit Fund Rider newbusiness interest rate for 2015 is 3.00 percent.WORDS OF WISDOM“We must make the choices that enable us to fulfillthe deepest capacities of our real selves.” Thomas Merton
Charles MankamyerSenior Vice President / General Agentsoutstanding medical bills, debts, androutine monthly expenses.Having life insurance is important atany age, so make sure you ask all yourprospects and existing customers ifthey have purchased life insurance toprotect their families' financialwell-being.You have greater options andopportunity in 2015 than everbefore! Continue to push our NewWhole Life Final Expense product. Withthe Annual Enrollment Period and theMedicare Advantage DisenrollmentPeriod over, this is a great time to revisityour customer base and cross-sellwhere appropriate. Plus, there are stillapproximately 10,000 new prospectsturning age 65 every day in this country.Medicare Supplement sales alone cankeep you busy every day, all year long!Stay in touchNever underestimate the value ofrecontacting prospects who may nothave purchased from you the first timearound. Circumstances can quicklychange in peoples' lives, and whatmay not have been wanted or neededsix months ago, may be exactly whatis wanted or needed now. This isespecially true for life insurance sales.Too often it takes losing a loved oneor friend to realize the importanceof having appropriate life insurancecoverage. Unfortunately, we all haveheard stories about someone dyingwithout life insurance, whose survivorscould not afford to give their lovedone a proper burial, let alone coverExpand your portfolioWith the recent addition of Whole Lifefor Final Expense and Juvenile WholeLife, your UA product portfolio hasexpanded dramatically. The fact youcan offer a Senior coverage for bothhis health insurance needs and lifeinsurance needs puts you in a positionto be a highly positive influence in thatSenior’s financial planning and developa long-lasting relationship with him.Medicare Supplement insurance andlife insurance are only part of theequation, though. With our cancerand critical illness product, you havethe opportunity to make a differencein the lives of your under age 65customers too.According to the American HeartAssociation and the Centers for DiseaseControl (CDC): Heart disease is the most commoncause of death in the United States More than 1.4 million heart attacksoccur each year in the United States Stroke is the fourth leading cause ofdeath for AmericansBased on these stats from the AmericanCancer Society, the American HeartAssociation, and the CDC, fewindividuals and families escape thesediseases. I’m sure all of you knowsomeone battling cancer or sufferingcardiovascular problems. Sellingcancer and critical illness policies is atremendous opportunity for you tomake a positive difference in the lives ofthese individuals, grow your business,and vastly expand your customer base.Using the 3,000 Accidental DeathPolicy as a door-opener is an easy wayto begin the process, and you’re on yourway to securing a new customer.I wish you great selling in 2015!Did you know?According to the AmericanCancer Society: More than 45 million Americans stillsmoke cigarettes Smokers are about 25 times morelikely to develop lung cancerthan nonsmokers Cancer is the second most commoncause of death in the United Statesand accounts for nearly one ofevery four deathsThe Choice is Yours February 2O15 3
THANK YOU FOR JOINING THE UA/FIRST UA FAMILY.WE’RE SO GLAD YOU CHOSE TO BE HERE!UNITEDAMERICANAbrams, Selma J.Acosta, ArmandoAdamson, David L.Adentity BusinessAdvisors Inc.Aguilar, Paula Y.Aguillon, Roy A.Alarcon Rizo, Jose J.Alcala, Jesse R.Alejandro, GustavoAlexander, DeborahAllen, Clyde W. Jr.Allsup Services, Inc.Alston, Cooper B.Anderson, AshleyAnderson, KeithAndrews, GloriaAnthony, TonyAntongiovanni,Sharon L.Armbrecht, KeithAshley, Melissa J.Bakheshi, KhalilBall, Edward L.Ballard, Christopher E.Banville, JessicaBanville, RichardBarker, James E.Batchelor, Diez V.Bayne, Daniel E.Beasley, Beth P.Bell, Michael S.Beller, Thomas L.Benshetler, JosephBerney, ScottBeverly, Dinah M.Blonsky, Barbara S.Bonds, Kathy L.Botelho, Karin M.Brackin, John E.Brazell, Earl F.Bridge, Robert S.Bridges, John A.Brookins, Heather D.Brooks, WilliamBruns-Kyler, Karl E.Buhler, VickyBui, BenjaminBullen, Judith M.Cameron, Martin D.Cantrell, JerryCaress, Matthew S.Carey, Herman M.Cartwright, TracyCawley, TimothyCheek, Clyde A.Churchman, Marianna L.Clark, Melissa A.Clark, Troy A.Cole, Clark R.Cole, Edward B.Coleman, MaribelConn, Greg K.Connolly, Michael A.Cooper, RosezettaCouch Brunjes, Wendy C.4 Crosslin, Jimmy D.Crowther, James E.Crump, Scott A.Daly, James F.Dandan, George J.Daniels, Scholonda S.Davidson, Ileen S.Davis, William E. Jr.Davis, Deborah V.Davis, John M.Day, Charles H.Debondt, JeffreyDellerba, EileenDillingham, Louis E.Diva, Allan P.Dohrenwend, CarolynDonais, Lee R.Dorsey, DonaldDoss, GinaDryden, John D.Dukes, Albert Jr.Falcon, John O.Fallot, John M.Farris, JoannaFarster, JeffreyFarster, LeahFelker, James V.Fenwick, MichaelFey, RobertFindley- Sutton, BrendaForrester, Robert E.Foster, DavidFowler, ModenaFowler, PatriciaFox, Finis D.Freeman, Mark C.Fuchs, Richard A.Galindo, MelchorGammel, Alan D.Gardner, Edward F.Gellerman, JudithGesa, Apollo J.Ghilino, Ronald V.Gilliam, ArmsteadGoecke, BruceGoldtrap,Thomas A. Jr.Gomez, EliseoGonzalez, DavidGooch, Robert K.Gottschalk, Helaine E.Graham, TheresaGray, JohnGreen, DeborahGreenberg, Richard A.Greer, Philip R.Griffith, Mark W.Guan, Susan R.Guzman, JoseGuzman, Moses T.Haddow, Alastair T.Hahn, Catherine W.Hahn, DouglasHall, Adelaide L.Hall, RoshawnHansen, DonnaHardy, LarryHarrington, Tammy R.February 2O15 The Choice is YoursHarris, Edward L.Harrod, Tina M.Harter, Kenneth J.Hartung, Kevin L.Hemmerling, Richard E.Hicks, MichaelHill, Jacqueline L.Hill, Raymond A.Hill, TammyHolder, DonHorn, Stanley J.Hubler, ChristineHutcheson, TonyIbekwe, ChuksIntagliato, DominickJackson, Harold C. IIIJackson, Delois D.Jackson, Ralph F.Jacobs, PatriciaJacobson, Marc D.Jenkins, Forrest A.Johnson, Floyd C.Johnson, James E.Johnson, Shelby G.Jones, RodneyJuen, Kenneth F.Kamimae, Scot K.Karam, TeresaKay, Celina M.Kee, BrendaKilfoyle, Clifford J.King, Carolyn J.Kirkley, RossKitzerow, EllenKluss, Susan M.Koch, GordonKokal, LeonKressler Wolff & Miller, Inc.Kynerd, Tommie R.Lamanna, CarlLang, ChristopherLaw, Marvin D.Lawrence, MichaelLeach, Ron L.Leblanc, Craig S.Lee, Herb E.Lee, HikeLiang, Alice A.Lippert, Edward O.Little-Amos, ChristineLong, Brynita K.Lott, Thomas A.Lovato, Archie Jr.Lowe, Linda C.Lubline, StuartMackenzie, BrianMaercklein, Thomas H.Maiz, Jack J.Makani, ImranMankamyer, MaryManley, William G.Maraletos, Jeannette P.Martinez, GildaMassie-Peterson, Teresa L.May, Rose S.Mayberry, Robert A.McCray, Kay F.McFarland, Patrick E.McGuinness, James J.McNichol, AlringtonMerchant, RosalbaMeyer, ScottMitchell, BillyMojica, JesseMolstad, EmilyMontelius, KathleenMoran, William T. IIIMoran, EugeneMorar, Michelle S.Morin, Kevin S.Morring, Linetta B.Morris, Annette E.Moses, JamesMoss, DavidMurphy, Dennis W.Nalls, Joye L.Nelson, Mark S.Newcomb, TravisNguyen, Hang-Phung T.Nordman, Matthew R.Okeefe, Thomas J.One Resource GroupOnufer, Gary W.Osborne, Kelly W.Otash, Carolyn D.Paglia-Mulcahey, JomariePedersen, Robert M.Peduto, Patrick J.Pellegrino, Anthony J.Pena, JulioPenetrante, Bella C.Perhacs, Alvin T.Perkins, JoycePisano, FrankPollett, Charles C.Powell, Jarrett O.Preston, Richard W.Quintana, Benjamin A.Reade, Les D.Reif, Thomas A.Resnick, Herbert A.Ressetar, JeromeRetirement IncomeSolutions, Inc.Richardson, Michael A.Rife, Ronald L.Rivera, Danny S.Rivera, JefferyRobinson, MaquitaRodriguez, Gene A.Rojas, RickRoman, AlejandroRooks, Philip B.Rosado, AngeloRosen, Bradley J.Rosson, BonnieRott, Elisabeth C.Roundtree, Helki N.Roy, Gary B.Russell, Raymond G.Ryska, Edward M.Sargent, James G.Sayers, MarySchoen, John E.Schrack, James A.Schultz, Allen R.Schwoerer, Amber L.Sester, MarcelaShagan, PhoebeSharkey, ChristopherSharma, Krishen D.Sharpe, MichaelaShaw, CarySherry, John J.Shinsky, AmberSiros, Carlos E.Sivertson, Sidney C.Smart, Charles R.Smith, Justin D.Smith, Milton J.Smith, Shereka D.Sowards, George J.Spector, Michael D.Spratt, StephenSpringer, David G.Standahl, JonSteinert, Ryan M.Stiles, John C.Straub, PaulaStryker, Carl E.Suma, Gloria S.Suvanto, Daniel L.Swikart, Robert T.Sydenstricker, Charles M.Taylor, Raymond W.Terrazas, Luis M.Terry, Melody L.Thiam, IbrahimaThomas Bell, Tracy J.Thompson, Samuel N.Thomsen, Sally J.Tierney, Michael J.Trent, Rita L.Trombly, Jeffrey B.Turner, RichardUzo, Uzoma A.Valadez, AluvoValenzuela, Jose M.Vance, Aaron L.Vetere, RobinWade, CameoWalker, MarissaWallis, Randal T.Wang, TeresaWatley, Kenneth W.Wendt, Michelle D.Whisenhunt, Vicki R.White, Robert A.Williams, H. JenellWilliams, Maxcey L.Williams, Ronald H.Williamson, Steven A.Wonacott, Susan L.Wong, JimmyWood, Kenneth R.Wool, Robert M.Worthy, Cary L.Wright, Collier Jr.Wyzkoski, Joseph F.Zhu, Vivian W.FIRST UNITEDAMERICANAlster, Robert W.Chatel, Keith A.Follman, Pearl F.Harary, MarcKing, Carolyn J.Knipper, James D.Kouroupos, SteveNenni, EmilyRussell, Wayne J.Sangani, Mihir J.Sarna, GyaneshwarValvo, Richard D.Vargas, WillaimVictory, NatalieWells, Raymond J.Williamson, Steven A.
F I R STWEN SALES TOOL FORUAWe’re excited to provide First UA Agents with this new MedicareSupplement marketing PowerPoint (AD-353 NY). The presentationoffers prospects a basic understanding of Medicare and the MedicareSupplement plans available through First UA. It also touches onMedicare Advantage and Medicare Prescription Drug Coverage.The presentation can be personalized with your own Agency'sinformation, so order today from the First UA Ad Catalog atwww.firstunitedamerican.com/officeA/B ChartPresented by:YOUR NAME HEREYOUR AGENCY INFO HEREYOUR PHONE NUMBER HEREMedicare Supplement Plans Offered by First United American Life Insurance CompanyFirst United American Life Insurance Companyis not connected with or endorsed by the U.S.Government or federal Medicare program.AD-353 NY 2013-2014 First United American Life Insurance Company. All rights reserved.FUA2799 1114Basic BenefitsHospitalization (Part A Coinsurance)Medical Expenses (Part B Coinsurance)ABCDFF GKLN 100%100%100%100%100%100%100%50%75%CopayBlood 50%75% Hospice 50%75% 50%75% 50%75% 100%100%100%80%80%80% 4,940 2,470Skilled Nursing Facility CoinsurancePart A Deductible – 1,216Part B Deductible – 147 Excess Doctor ChargesForeign Travel EmergencyCalendar-Year Deductible, orOut-of-Pocket Annual Limit80%80% 2,14080%The Choice is Yours February 2O15 5
Cancer, Critical Illness, and the ACAACAAffordableCare ActProspects have twochoicesWhat do you knowabout the ACA? GET INSURED: If an individual purchasesa health insurance policy, he can still haveexpenses his policy doesn’t cover, such asdeductibles, copays, or coinsurance. Theremay also be additional expenses his policybenefits don’t cover, especially if his illness iscatastrophic. If he can’t work, how can he payroutine expenses, like buying groceries, payingutility bills, or paying the mortgage? For months www.healthcare.gov didn’twork properly, but most of those issuesseem to be resolved If you liked your old health plan, youcouldn’t always keep your old health planIn spite of the ACA, many individuals andfamilies still find the cost of healthcarepremiums to be a strain on family budgetsand, in some cases, prohibitively expensive.The ACA was signed into law in 2010; it’sgoing into its fifth year of implementation,and it’s still a mixed bag of positives andnegatives, depending on who you talk toor what survey you read. It’s undergonenumerous changes since it became law, andthe Supreme Court is again putting it underthe legal microscope this spring concerningthe ongoing dispute over subsidy eligibility. Thousands of individuals and families losthealth insurance coverage because of theACA, and thousands gained it Premiums went up for some people anddown for others Coverage is better for some people andworse for othersYet, if the individual or family member isstruck down with a life threatening illness likecancer, heart attack, or stroke, they want toknow they have financial resources availableto them. STAY UNINSURED: If an individual doesn’tpurchase a health insurance policy, he will betotally responsible for all medical costs relatedto any accident or illness, and those costs canbe as catastrophic as the illness itself if it’scancer, heart attack, or a stroke. In addition, hemust pay a penalty to Uncle Sam.You can help!Whether your prospect has health insurance or doesn’t have health insurance, a Cash Cancer* policy fromUA or First UA and a HealthGuard*(critical illness) policy from UA may help ease the financial burdenresulting from a critical health condition.These policies can complement your customer’s existing health coverage and may provide a financialbuffer if he or a family member is struck by a devastating health crisis. For those without healthinsurance, a cancer and/or critical illness policy represents some degree of financial protection in case ofa catastrophic illness.*Specified disease coverage does not qualify as health insurance under the ACA.Check out the Ad Catalog!To generate interest among prospects, use print ads and other leadgenerators from the UA and First UA Ad Catalogs in local newspapers,community bulletins, HOA newsletters, etc. Talk to your MedicareSupplement prospects about a cancer policy, since its issue age is0 to 69 in all states (except California) where it’s approved for sale.HealthGuard Print AdCancer CanCost a Lot.AD-364Our CancerInsurancePolicy Doesn’t.No One Is Immune.For more information call:incan’t be measuredThe cost of cancerwhen your familydollars and cents. NotUnited American’sis affected. That’s whyis so valuable.cancer insurance policysingleuals,to individCoverage availableissue, ages 0-69.parent or families withWhat it protectsis priceless.[Agent Name][Contact Information][Contact Information]y, TX 75070P.O. Box 8080 · McKinnea one time, lumpThis policy paysPlans vary by state.diagnosis meansPolicy Form CANLS2.of Cancer. Firstcancerfor First Diagnosisas having internalsum benefit onlyperson is diagnosedThis policythe first time a covered (excluding all other skin cancer).disability orof malignant melanoma for any other disease, sickness, Florida. Forinbenefitsdoes not provideto policy form CANLS you may beadvertisement refersfor insurance, andincapacity. ThisCompany.policy. This is a solicitationAmerican Insurancefull details see therepresenting Unitedcontacted by an AgentCancer Print Ad - AD-330AD-165CANCER CAN STRIKEANYONE AT ANY TIME.2 ColumnYou can’t prepare for the emotionaland physical consequences. But youcan be better prepared financially.A critical illness can strike anyone at anytime.Often, the road to recovery is not onlylong, but also expensive.United American Insurance Company’sHealthGuard policy iscritical illness protection which pays a lumpsum benefit directly tothe policyholder upon first diagnosis ofa covered illness.Covered illnesses include: Major Organ Transplant Heart Attack Total Loss of Eyesight Stroke Total Loss of Hearing End Stage Renal FailureHealthGuard puts a family’s focus whereit should be —away from finances and on recovery.Critical IllnessInsuranceAD-330’sFirst United American Life Insurance CompanypolicyholderCash Cancer Plan pays up to 50,000 directly to the diagnosiswrittenupon Company receipt of satisfactory proof of firstspend the money,of cancer.* There are no restrictions on how youcoverage.and the policy pays in addition to any other existingFor more information, contact:[Agent Name][Contact Information][Contact Information]Policy Form CILS. Policy may have somelimitations and exclusions. This is a solicitationfor insurance and you will be contactedby a state-licensed Agentrepresenting United American InsuranceCompany.UAI0575 1214AD-165www.firstunitedamerican.compolicy has limitations and exclusions. Applicant must be*Covers internal cance
Thomas Merton DIRECTOR OF MARKETING Christie Gibson CONTENT SUPERVISOR Kaley Lockaby EDITORS Roberta Boyd King Gay Falkowski GRAPHIC DESIGNER John Begg . Perhacs, Alvin T. Perkins, Joyce Pisano, Frank Pollett, Charles C. Powell, Jarrett O. Preston, Richard W. Quintana, Benjamin A. Reade, Les D. Reif, Thomas A.
Shelter Life Insurance Company N/A 55015 Torchmark M0226 55004 United American Insurance Co. M0155 55004 United American Insurance Co. M0156 55004 United American Insurance Co. M0187 55004 United American Insurance Co. M0190 55004 United American Insurance
American General Life Insurance Company AGL U.S. Life Insurance Company AGC Life Insurance Company AGC Life U.S. Life Insurance Company The United States Life Insurance Company in the City of New York U.S. Life U.S. Life Insurance Company The Variable Annuity Life Insurance Company VALIC U.S. Life Insurance Company
The king's insurance options 5 Things you need to know 7 The stuff you need to do 14 How to claim 16 Our commitment to you 20 Car insurance 22 Car warranty 37 Shortfall cover 45 Scratch and dent 46 Tyre and rim 48 Motorbike insurance 53 Trailer and caravan insurance 64 Watercraft insurance 68 Home contents insurance 77 Buildings insurance 89
ARTICLES OF INCORPORATION Adopted on March 6, 1968 Amended on July 10, 1968 February 20, 1969 March 20, 1969 June 16, 1969 February 7, 1970 February 6, 1971 November 23, 1971 February 4, 1972 November 29, 1972 February 12, 1973 February 5, 1974 February 8, 1975 February 6, 1976 February 8, 1977 February 25, 1978 .
08287 american heritage life insurance co 00151 american income life insurance co 00172 american life & health insurance co . 00203 american service life insurance company 00206 american states insurance co 00209 american trust administrators, inc . nevada alphabetical other carrier code list page c.4 other
Foy Insurance of MA, LLC 198 Frank Consolati Insurance Agency, Inc. 198 County Insurance Agency, Inc. 198 Woodrow W Cross Agency 214 Woodland Insurance Agency, Inc. 214 Tegeler Insurance Services of CT, Inc. 214 Pantano/VonKahle Insurance Agency, Inc. 214 . Hanson Insurance Agency, Inc. 287 J.H. Slattery Insurance Agency, Inc. 287
American Contractors Insurance Group Insurance Company NAIC Group #0594 NAIC #19984 MISSOURI EXAMINATION# 1104-14-TGT NAIC EXAM TRACKING SYSTE:W # M0341-M35 January 24, 2013 American Contractors Insurance Group Insurance Company 12222 Merit Drive, Suite 1660 Dallas, Texas 75251
Managing unethical behavior in organizations: The need for a behavioral business ethics approach DAVID DE CREMER * AND WIM VANDEKERCKHOVE ** Abstract Issues of morality and ethics have increasingly become more important in organizations and business settings. Traditionally, these issues of ethics and social responsibility in business settings have been discussed and commented on by .
