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

February 2O15

ATTN: PROCARE RATE APPROVALS IN HI, IA, ME, MT, TN, AND VTAs previously communicated, United American has received new 2015 rate approvals for ProCare Medicare Supplement plans in Hawaii, Iowa, Maine, Montana, Tennessee, and Vermont.

The new business and renewal effective date is March 1, 2015, in Maine, Tennessee, and Vermont and March 15, 2015, in Hawaii, Iowa, and Montana.

Please contact Agency Service at 1-800-925-7355 or email agencyservice@torchmarkcorp.com with questions.

ATTN: ALL UA AND FIRST UA AGENTSAs an Agent of UA or First UA it’s important you’re aware of and adhere to federal Do Not Call (DNC) regulations, state Do Not Call regulations, and Company Do Not Call procedures. A memo was recently distributed that spelled out an Agent’s responsibilities as they relate to Do Not Call. The memos are available on the UA and First UA Agent websites under ‘Memos’ and should be reviewed periodically.

UA Agents may access this information via UAOnline 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 the bottom of the page.

SPREADING THE UA MESSSAGE!On Jan. 20, 2015, Donna Ahlbum, Keith Wright, and Lisa Rosati carried on The Ahlbum Group tradition of representing UA at the Annual Boomer Expo at the Seminole Hard Rock Hotel & Casino in Hollywood, FL.

Boomer Expos are held in cities around the country during the year to offer Seniors access to information related to health, money management, nutrition, etc. Start your own tradition and spread the word about the value of United American Medicare Supplements to Seniors in your area!

OUTSTANDING EFFORT, VINCENT!“Bob (Lochard), my best day this Annual Enrollment Period started out looking like my worst. Three of my five appointments had either canceled or rescheduled the day before. So the only appointments I had left were a policy delivery and a referral appointment.

“I took out some old over-65 lead cards I purchased using the UA lead program. I received them back in July but had not been able to contact by phone or door knocking. I set an appointment with one person, but it was at her place of business. I usually don’t like to meet anywhere other than their home, but I didn’t have anything else for the next day, so I booked it.

“On my delivery appointment, I sold a $20,000 cancer policy. 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 I set the appointment. Then she had me sit with three other people who worked at that location, and I sold two more F Plans and an HDF Plan. What started out looking like one of my worst field days turned out to be my best day during the AEP with a total of $12,696 in premium.”

~ Agent Vincent Abbatiello

CONGRATULATIONS AGENT TIMOTHY RUSH DECEMBER’S GAS CARD WINNER!

INTEREST RATES SET The Lifestyle Annuity rate for Feb. 2015, is 3.00 percent. Rates are reviewed and adjusted accordingly. The Deposit Fund Rider new business interest rate for 2015 is 3.00 percent.

WORDS OF WISDOM

“We must make the choices that enable us to fulfill the deepest capacities of our real selves.”

~Thomas Merton

DIRECTOR OF MARKETINGChristie Gibson

CONTENT SUPERVISORKaley Lockaby

EDITORSRoberta Boyd King

Gay Falkowski

GRAPHIC DESIGNERJohn Begg

EMAILeditor@torchmarkcorp.com

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

HOME OFFICE972-529-5085

FIRST UA315-451-2544

AGENT SERVICE CENTER 800-925-7355 or email

agencyservice@torchmarkcorp.com

WEBSITES unitedamerican.com

unitedamerican.com/logon firstunitedamerican.com

firstunitedamerican.com/office

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.

2 February 2O15 The Choice is Yours

You have greater options and opportunity in 2015 than ever

before! Continue to push our New Whole Life Final Expense product. With the Annual Enrollment Period and the Medicare Advantage Disenrollment Period over, this is a great time to revisit your customer base and cross-sell where appropriate. Plus, there are still approximately 10,000 new prospects turning age 65 every day in this country. Medicare Supplement sales alone can keep you busy every day, all year long!

Stay in touchNever underestimate the value of recontacting prospects who may not have purchased from you the first time around. Circumstances can quickly change in peoples' lives, and what may not have been wanted or needed six months ago, may be exactly what is wanted or needed now. This is especially true for life insurance sales.

Too often it takes losing a loved one or friend to realize the importance of having appropriate life insurance coverage. Unfortunately, we all have heard stories about someone dying without life insurance, whose survivors could not afford to give their loved one a proper burial, let alone cover

outstanding medical bills, debts, and routine monthly expenses.

Having life insurance is important at any age, so make sure you ask all your prospects and existing customers if they have purchased life insurance to protect their families' financial well-being.

Expand your portfolioWith the recent addition of Whole Life for Final Expense and Juvenile Whole Life, your UA product portfolio has expanded dramatically. The fact you can offer a Senior coverage for both his health insurance needs and life insurance needs puts you in a position to be a highly positive influence in that Senior’s financial planning and develop a long-lasting relationship with him.

Medicare Supplement insurance and life insurance are only part of the equation, though. With our cancer and critical illness product, you have the opportunity to make a difference in the lives of your under age 65 customers too.

Did you know?According to the American Cancer Society:

� More than 45 million Americans still smoke cigarettes

� Smokers are about 25 times more likely to develop lung cancer than nonsmokers

� Cancer is the second most common cause of death in the United States and accounts for nearly one of every four deaths

According to the American Heart Association and the Centers for Disease Control (CDC):

� Heart disease is the most common cause of death in the United States

� More than 1.4 million heart attacks occur each year in the United States

� Stroke is the fourth leading cause of death for Americans

Based on these stats from the American Cancer Society, the American Heart Association, and the CDC, few individuals and families escape these diseases. I’m sure all of you know someone battling cancer or suffering cardiovascular problems. Selling cancer and critical illness policies is a tremendous opportunity for you to make a positive difference in the lives of these individuals, grow your business, and vastly expand your customer base. Using the $3,000 Accidental Death Policy as a door-opener is an easy way to begin the process, and you’re on your way to securing a new customer.

I wish you great selling in 2015!

3 February 2O15 The Choice is Yours The Choice is Yours February 2O15 3

Charles Mankamyer Senior Vice President / General Agents

THANK YOU FOR JOINING THE UA/FIRST UA FAMILY. WE’RE SO GLAD YOU CHOSE TO BE HERE!

UNITED AMERICANAbrams, Selma J.Acosta, ArmandoAdamson, David L.Adentity Business

Advisors 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.

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.

Harris, 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 Income

Solutions, 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 UNITED AMERICANAlster, 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.

4 February 2O15 The Choice is Yours

AD-353 NY FUA2799 1114

Presented by:

First United American Life Insurance Company is not connected with or endorsed by the U.S.

Government or federal Medicare program.

YOUR NAME HERE

YOUR AGENCY INFO HERE

YOUR PHONE NUMBER HERE

© 2013-2014 First United American Life Insurance Company. All rights reserved.

A/B Chart

Medicare Supplement Plans Offered by First United American Life Insurance Company

Basic Benefits

Skilled Nursing Facility Coinsurance

Part A Deductible – $1,216

Part B Deductible – $147

Excess Doctor Charges

Foreign Travel Emergency

Calendar-Year Deductible, or Out-of-Pocket Annual Limit

Hospitalization (Part A Coinsurance)

Medical Expenses (Part B Coinsurance)

Blood

Hospice

A

100%

B

100%

C

100%

80%

D

100%

80%

F

100%

100%

80%

F+

100%

100%

80%

$2,140

G

100%

100%

80%

K

50%

50%

50%

50%

50%

$4,940

L

75%

75%

75%

75%

75%

$2,470

N

Copay

80%

We’re excited to provide First UA Agents with this new Medicare Supplement marketing PowerPoint (AD-353 NY). The presentation

offers prospects a basic understanding of Medicare and the Medicare Supplement plans available through First UA. It also touches on Medicare Advantage and Medicare Prescription Drug Coverage.

SALES TOOL FOR NEW FIRST UA

The presentation can be personalized with your own Agency's information, so order today from the First UA Ad Catalog at

www.firstunitedamerican.com/office

5 February 2O15 The Choice is Yours The Choice is Yours February 2O15 5

Cancer Can Cost a Lot.

Our Cancer Insurance

Policy Doesn’t.The cost of cancer can’t be measured in

dollars and cents. Not when your family

is affected. That’s why United American’s

cancer insurance policy is so valuable.

Coverage available to individuals, single

parent or families with issue, ages 0-69.

What it protects is priceless.

[Agent Name]

[Contact Information]

[Contact Information]

Policy Form CANLS2. Plans vary by state. This policy pays a one time, lump

sum benefit only for First Diagnosis of Cancer. First diagnosis means

the first time a covered person is diagnosed as having internal cancer

of malignant melanoma (excluding all other skin cancer). This policy

does not provide benefits for any other disease, sickness, disability or

incapacity. This advertisement refers to policy form CANLS in Florida. For

full details see the policy. This is a solicitation for insurance, and you may be

contacted by an Agent representing United American Insurance Company.

P.O. Box 8080 · McKinney, TX 75070

AD-364UAI2970C 1014

A critical illness can strike anyone at anytime. Often, the road to recovery is not only long, but also expensive.United American Insurance Company’s HealthGuard® policy is critical illness protection which pays a lump sum benefit directly to the policyholder upon first diagnosis of a 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 where it should be — away from finances and on recovery.

For more information call:

Policy Form CILS. Policy may have some limitations and exclusions. This is a solicitation for insurance and you will be contacted by a state-licensed Agent representing United American Insurance Company.AD-165

UAI0575 1214

No One Is Immune.

HealthGuard Print Ad Cancer Print Ad - AD-330

AD-330 Policy Form NYCANLS-2 FUA2356 0812

www.firstunitedamerican.com

*Covers internal cancer and malignant melanoma only. This policy has limitations and exclusions. Applicant must be

covered by Major Medical or at least Basic Medical and Basic Hospital insurance. This is a solicitation for insurance, and you

may be contacted by an Agent representing First United American Life Insurance Company.

First United American Life Insurance Company’s

Cash Cancer Plan pays up to $50,000 directly to the policyholder

upon Company receipt of satisfactory proof of first written diagnosis

of cancer.* There are no restrictions on how you spend the money,

and the policy pays in addition to any other existing coverage.

For more information, contact:

CANCER CAN STRIKE ANYONE AT ANY TIME. You can’t prepare for the emotional

and physical consequences. But you

can be better prepared financially.

AD-330 Policy Form NYCANLS-2

FUA2356 0812*Covers internal cancer and malignant melanoma only. This policy has limitations and exclusions. Applicant must be covered by Major Medical or at least Basic Medical and Basic Hospital

insurance. This is a solicitation for insurance, and you may be contacted by an Agent representing First United American Life Insurance Company.

You can’t prepare for the emotional and physical consequences.

But you can be better prepared financially.

CANCER CAN STRIKE ANYONE AT ANY TIME.

www.firstunitedamerican.com

First United American Life Insurance Company’s Cash Cancer Plan

pays up to $50,000 directly to the policyholder upon Company receipt of satisfactory proof of first written

diagnosis of cancer.* There are no restrictions on how you spend the money, and the policy pays in addition

to any other existing coverage. For more information, contact:

2 Column

3 Column

[Agent Name][Contact Information][Contact Information]

[Agent Name][Contact Information][Contact Information]

Critical IllnessInsurance

F6987 Policy Form: CILS This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company.UAI0842 0712

Cancer, Critical Illness, and the ACA

AD-364AD-330

AD-165 F6987

What do you know about the ACA?

® For months www.healthcare.gov didn’t work properly, but most of those issues seem to be resolved

® If you liked your old health plan, you couldn’t always keep your old health plan

® Thousands of individuals and families lost health insurance coverage because of the ACA, and thousands gained it

® Premiums went up for some people and down for others

® Coverage is better for some people and worse for others

Check out the Ad Catalog! To generate interest among prospects, use print ads and other lead generators from the UA and First UA Ad Catalogs in local newspapers, community bulletins, HOA newsletters, etc. Talk to your Medicare Supplement prospects about a cancer policy, since its issue age is 0 to 69 in all states (except California) where it’s approved for sale.

Prospects have two choices

® GET INSURED: If an individual purchases a health insurance policy, he can still have expenses his policy doesn’t cover, such as deductibles, copays, or coinsurance. There may also be additional expenses his policy benefits don’t cover, especially if his illness is catastrophic. If he can’t work, how can he pay routine expenses, like buying groceries, paying utility bills, or paying the mortgage?

® STAY UNINSURED: If an individual doesn’t purchase a health insurance policy, he will be totally responsible for all medical costs related to any accident or illness, and those costs can be as catastrophic as the illness itself if it’s cancer, heart attack, or a stroke. In addition, he must pay a penalty to Uncle Sam.

The ACA was signed into law in 2010; it’s going into its fifth year of implementation, and it’s still a mixed bag of positives and negatives, depending on who you talk to or what survey you read. It’s undergone numerous changes since it became law, and the Supreme Court is again putting it under the legal microscope this spring concerning the ongoing dispute over subsidy eligibility.

In spite of the ACA, many individuals and families still find the cost of healthcare premiums to be a strain on family budgets and, in some cases, prohibitively expensive.

Yet, if the individual or family member is struck down with a life threatening illness like cancer, heart attack, or stroke, they want to know they have financial resources available to them.

You can help!Whether your prospect has health insurance or doesn’t have health insurance, a Cash Cancer* policy from UA or First UA and a HealthGuard*(critical illness) policy from UA may help ease the financial burden resulting from a critical health condition.

These policies can complement your customer’s existing health coverage and may provide a financial buffer if he or a family member is struck by a devastating health crisis. For those without health insurance, a cancer and/or critical illness policy represents some degree of financial protection in case of a catastrophic illness. *Specified disease coverage does not qualify as health insurance under the ACA.

ACAAffordableCare Act

6 February 2O15 The Choice is Yours The Choice is Yours February 2O15 7

United American and First UA Agents have been using the e-App for Medicare Supplement sales for close to a year and a half. And the response from Agents just gets more positive with every passing day. Dave Oliver, Director of e-Applications, recently received these comments from some of our top producing Agents:

“Dave, thank you, for all your help and training on the e-App. I was amazed how simple and easy it is to use. Once I tried it and saw the ease with which I could do business, it was like an ‘aha’ moment! I can save money and time and speed

the sales process for both Agents and clients. I look forward to helping all my Agents get e-App certified in 2015, so they have this tool in their sales kit! Here’s a perfect example: My brother got a referral in Alaska and was able to write the husband and wife THE SAME DAY! Done! I strongly recommend all Agents get on board with the e-App ASAP … and this coming from someone who is not computer savvy! Thanks again!”

“I thank the good LORD for United American and its wonderful e-Application system. In my 35 years of writing Medicare Supplement insurance plans (30 years for UA), I can truthfully say UA's e-App system has vastly expanded my ability to write quality UA Medicare Supplement business.

“If a client can be seen in person, that is still the best scenario to build trust, benefit comprehension, and client loyalty. But if an in-person meeting is simply not feasible due to distance or time constraints, United American’s e-App is the solution. UA’s e-App has probably doubled my business and saved me huge blocks of time.

“Dave Oliver and his team have been a particular blessing to us trouble shooting issues that arise with the relatively simple e-App process. Thirty years writing UA business, plus the addition of UA’s e-App has blessed us beyond measure.”

“As an independent Agent and a customer's trusted adviser, it’s our role to always do what is in the best interest of the client. I don’t sell insurance; I solve customer problems. This being said, I refuse to do business with a company that doesn’t use some form of electronic application for the products it offers. United American has one of the best e-App tools I use. It’s user-friendly and can be used in a face-to-face or over-the-phone selling situation.

“With 21st century technology available, there’s no need to drive around with thousands of applications from hundreds of companies, trying to maintain the correct version needed for any given problem-solving situation. Applications are constantly revised by either insurance companies or the government. Using electronic applications, you know you have the correct forms for the specific state every time. UA’s e-App does not even let you continue if you make a mistake or leave out needed information. I have terrible handwriting; the fact an underwriter doesn’t have to dissect what I’ve written is a real bonus for them, for me, and the customer. If time management and customer satisfaction are important to you, use United American's e-Application.”

“After selling Medicare Supplements for 19 years with UA, I think the I-GO® e-App is one of the best

advantages UA has provided Agents. When going through training and certification 16 months ago, I had no idea how much it was going to impact my sales, and my business. It makes selling more convenient for the Agent and the client.

“In the last three months of 2014, I enrolled many clients in other parts of my home state without leaving my office. I increased my sales and enrolled more clients in a shorter period of time. It was the most productive Annual Enrollment Period I ever had. Thanks UA and thanks Dave for excellent training and support. You made my job a lot easier.” “The iGO e-App has made my life simpler. It has

allowed me to see more clients in a day without driving all over town and saved me money on gas, tires, repairs, etc. I really like seeing my cases show up on the UA website faster too. And, of course, that means they are issued faster, and I get paid faster, all good things. I have expanded into Alabama and Virginia, and it's easier to help clients there with the e-App. I was reluctant to use the e-App, and now I wish I had done it sooner. Thanks for all your support Dave. When I was unsure what I was doing, it was nice to know you were there to help. Thanks again.”

“The United American e-App has been a great tool for my whole Agency throughout 2014. We have been able to reduce the turnaround time on policies issued and speed up commissions dramatically.

My Agents have written clients in 10 states without leaving our office! Our prospective client population has gone from a few thousand to millions! There are very few companies that are embracing technology to make Agents' lives easier; it makes doing business with UA a pleasure knowing they are one of the few.

Thanks so much for your support with the platform. We look forward to many new clients, much less driving, and incredibly fast commissions throughout 2015!”

“I find the e-App to be a time saver. No more faxing in apps and waiting for them to show up in the system. They are there the next day. The e-App system does

not allow you to make a mistake. Applications issue faster, so Agents get paid faster.”

Mike Lemar

Kerry Sachs

Mark Heller

David Lovelace

Jake McGeoy

Tim Rush Loren A. Olguin

8 February 2O15 The Choice is Yours The Choice is Yours February 2O15 9

#5

PACE

SETT

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CLU

BPR

ESID

ENT'

S C

LUB

#1 #2 #3 #4 #5

#2 #3 #4#1

STARS OF THE MONTH

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

7. RON CONCKLIN Rosenberg-Concklin, Inc.

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

9. TIM AHLBUM

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

11. ROBERT M. WROBLEWSKI SOS Insurance Group

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

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

14. DEVIN M. BARTA

15. MATTHEW B. MORASKI

16. FRED M. ULAYYET Ulayyet Insurance Agency

17. JACOB M. MCGEOY Secure Benefits Alliance

18. CENTERSTONE INSURANCE & FINANCIAL SVCS.

19. JOHN W. CLARK Senior Solutions Insurance Agency

20. SENIOR SERVICES OF NORTH AMERICA, INC.

21. KENNETH L. LAPAGE JR.

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

23. KERRY SACHS Secure Retirement Solutions, Inc.

24. SCOTT J. SCHWARTZ Insurance Protection Services

25. PAUL SWEENEY Quality First Insurance Agency, Inc.

26. AMERICAN EAGLE CONSULTANTS, INC.

27. BARBARA N. BOWES Bowes Insurance Agency

28. GENERAL AGENCY INS. DEVELOPMENT SVC.

29. DONNA M. AHLBUM

30. NUR N. AHMED Ahmed Insurance Agency

Through January 2015, 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.

JON AHLBUM The Ahlbum Group

SCOTT E. MEDNICK Professional Insurance Systems of Florida

CATHERINE E. HATTON Long Island Insurance Solutions

MIKE LEMAR Sunshine State Agency

WILLIAM J. BOROSAK JR. Secure Financial Group

TIMOTHY T. RUSH PAUL T. SHELDON CHRISTOPHER DAENZER FRED M. ULAYYET EDWARD A. CATRON

6. JASON STEVENS

7. KERRY SACHS

8. JON AHLBUM

9. CATHERINE E. HATTON

10. RAY STEVENS

11. DARRIN J. DIBISCEGLIE

12. SCOTT J. SCHWARTZ

13. BARBARA N. BOWES

14. TIM AHLBUM

15. BRIAN GILBERT

16. SUSAN L. CHESTER

17. JORDAN VICKERS

18. DAVID ARLEIN

19. ROBERT HOLZMAN

20. PETER GRATZON

21. DUANE M. RAPINI

22. LISA ROSATI

23. JOSEPH A. JAFFE

24. DALE R. LOWENSTEIN

25. GEORGE J. CARAVOUSANOS JR.

26. EUGENE RANNEY

27. JACKSON EDWARDS IV

28. CHAD M. NORGARD

29. BRET A. FULLER

30. JOHN W. HATTON

1. JON AHLBUM $346,816 2. SCOTT E. MEDNICK $263,666 3. CATHERINE E. HATTON $229,018 4. MIKE LEMAR $217,911 5. WILLIAM J. BOROSAK JR. $166,135 6. RAY STEVENS $154,609 7. RON CONCKLIN $82,618 8. SHAWN T. SCHROEDER $74,507 9. TIM AHLBUM $73,356

10. EDWARD L. SHACKELFORD $72,980

1. TIMOTHY T. RUSH $215,524 2. PAUL T. SHELDON $57,996 3. CHRISTOPHER DAENZER $55,794 4. FRED M. ULAYYET $52,894 5. EDWARD A. CATRON $44,426 6. JASON STEVENS $39,655 7. KERRY SACHS $38,172 8. JON AHLBUM $36,063 9. CATHERINE E. HATTON $35,504

10. RAY STEVENS $34,672

For the month of January 2015, these top 10 General Agents and Writing Agents have the highest net combined annualized premium.

10 February 2O15 The Choice is Yours

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LOOK FOR YOUR NAME ON FACEBOOK AND TWITTER!

LOOK FOR YOUR NAME ON FACEBOOK AND TWITTER!

1. SHELDON H. REID

2. GLEN A. DOERNBERG Doernberg Insurance Agency

3. DAVID ARLEIN Arlein Insurance Agency

4. ENSURITY GROUP, INC.

5. LOREN A. OLGUIN Olguin Insurance Agency

6. SHARON N. LEWIS Lewis Insurance Agency

7. OWEN E. METTS Metts Insurance Agency

8. NEAL STACY Stacy Insurance Agency

9. TYNESHA R. LEWIS Lewis Insurance Agency

10. DANIEL W. SHEA Shea Insurance Agency

11. WILLIAM P. SCARCELLA Scarcella Insurance Agency

12. MIKE STEVENS Farm & Ranch Healthcare, Inc.

13. DAVID K. DANIELS David K. Daniels & Associates

14. CHARLOTTE T. KOCIAN Kocian Insurance Agency

15. JOSEPH MAISONET Maisonet Insurance Agency

16. MITCHELL W. SPAIN Spain Insurance Agency

17. VINCENT ABBATIELLO Mainstay Retirement Solutions

18. BENEFIT PLANS OF AMERICA, INC.

19. GREGORY A. HARNETT Harnett Insurance Agency

20. JACQUELINE E. JONES Jones Insurance Agency

21. ROYLAND L. SKIRVIN Skirvin Insurance Agency

22. PATRICIA D. ADAMS Adams Insurance Agency

23. GREGORY A. BLAKE Blake Insurance Agency

24. CLARENCE M. BURRELL Burrell Insurance Agency

25. LAWRENCE M. CAPLAN Caplan Insurance Agency

26. JOHN W. CLARK Senior Solutions Insurance Agency

27. PAUL HAFFENDEN Haffenden Insurance Agency

28. MAWYER C. HOLLANS III Hollans Insurance Agency

29. CHERYL S. JOHNSON Johnson Insurance Agency

30. STEVEN KUHTZ Kuhtz Insurance Agency

1. BRYAN C. MCGHEE

2. GLEN A. DOERNBERG

3. KEITH G. WHITE

4. DAVID ARLEIN

5. VICTOR C. CABRERA

6. SHARON N. LEWIS

7. SHELDON H. REID

8. OWEN E. METTS

9. BERTHA J. REED

10. EDWARD T. CODY

11. TYNESHA R. LEWIS

12. DORA SOLIS

13. DANIEL W. SHEA

14. WILLIAM P. SCARCELLA

15. GLORIA SENA

16. ROGER A. GRADY JR.

17. TOMMIE J. MORGAN

18. MITCHELL W. SPAIN

19. LORRAINE A. SWINDAL

20. FRANCESCO SPAGNUOLO

21. VLADA DIVINE

22. AMY E. WILLIAMS

23. GREGORY M. HARNETT

24. JACQUELINE E. JONES

25. CARLA J. COFFMAN

26. GERALD L. JOHNSON

27. CLARENCE M. BURRELL

28. PATRICIA D. ADAMS

29. MICHAEL A. RYAN

30. RON EDWARDS

1. JON AHLBUM The Ahlbum Group

2. SCOTT E. MEDNICK Professional Insurance Systems of Florida

3. CATHERINE E. HATTON Long Island Insurance Solutions

4. MIKE LEMAR Sunshine State Agency

5. WILLIAM J. BOROSAK JR. Secure Financial Group

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

7. RON CONCKLIN Rosenberg-Concklin, Inc.

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

9. TIM AHLBUM

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

11. ROBERT M. WROBLEWSKI SOS Insurance Group

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

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

14. DEVIN M. BARTA

15. MATTHEW B. MORASKI

16. FRED M. ULAYYET Ulayyet Insurance Agency

17. JACOB M. MCGEOY Secure Benefits Alliance

18. CENTERSTONE INSURANCE & FINANCIAL SVCS.

19. JOHN W. CLARK Senior Solutions Insurance Agency

20. SENIOR SERVICES OF NORTH AMERICA, INC.

21. KENNETH L. LAPAGE JR.

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

23. KERRY SACHS Secure Retirement Solutions, Inc.

24. SCOTT J. SCHWARTZ Insurance Protection Services

25. PAUL SWEENEY Quality First Insurance Agency, Inc.

26. AMERICAN EAGLE CONSULTANTS, INC.

27. BARBARA N. BOWES Bowes Insurance Agency

28. GENERAL AGENCY INS. DEVELOPMENT SVC.

29. DONNA M. AHLBUM

30. NUR N. AHMED Ahmed Insurance Agency

1. TIMOTHY T. RUSH

2. PAUL T. SHELDON

3. CHRISTOPHER DAENZER

4. FRED M. ULAYYET

5. EDWARD A. CATRON

6. JASON STEVENS

7. KERRY SACHS

8. JON AHLBUM

9. CATHERINE E. HATTON

10. RAY STEVENS

11. DARRIN J. DIBISCEGLIE

12. SCOTT J. SCHWARTZ

13. BARBARA N. BOWES

14. TIM AHLBUM

15. BRIAN GILBERT

16. SUSAN L. CHESTER

17. JORDAN VICKERS

18. DAVID ARLEIN

19. ROBERT HOLZMAN

20. PETER GRATZON

21. DUANE M. RAPINI

22. LISA ROSATI

23. JOSEPH A. JAFFE

24. DALE R. LOWENSTEIN

25. GEORGE J. CARAVOUSANOS JR.

26. EUGENE RANNEY

27. JACKSON EDWARDS IV

28. CHAD M. NORGARD

29. BRET A. FULLER

30. JOHN W. HATTON

1. TIMOTHY T. RUSH $215,524 2. PAUL T. SHELDON $57,996 3. CHRISTOPHER DAENZER $55,794 4. FRED M. ULAYYET $52,894 5. EDWARD A. CATRON $44,426 6. JASON STEVENS $39,655 7. KERRY SACHS $38,172 8. JON AHLBUM $36,063 9. CATHERINE E. HATTON $35,504

10. RAY STEVENS $34,672

10 February 2O15 The Choice is Yours The Choice is Yours February 2O15 11

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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.

CONVENTION

it’s your JOURNEY

FUN IN THE SAND

#UACONVENTION2016

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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

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$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

Hyatt Ziva ✿ Los Cabos, Mexico ✿ juNE 22-25, 2016