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A Publication of the

NAIFA-COLUMBUSpublished monthly by

cbm & Associates, Inc.1601 Penn Ave., Ste. 613, Pittsburgh, PA 15221

© 2005 cbm & Associates, Inc.

FOR ADVERTISING RATES CALL:(800) 289-1226 • (412) 243-6010

Fax (412) 243-6104http://www.cbmassoc.com

e-mail: info@cbmassoc.com

Contents

Carolyne B. May .....................................PresidentBud Cook ........................................ Vice PresidentChristopher Hill .........................Managing EditorBrad A. Basinski ......................... Assistant EditorTim E. Neifert ....................... eMedia CoordinatorLisa V. Bradley ..................... Marketing ManagerJames H. Farbarik ...................Print Coordinator

NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS - COLUMBUS

Message From the President .................................................................................2Calendar of Upcoming Events ..............................................................................2Congratulations to NAIFA-Columbus LILI Graduates ........................................3September Morning C.E. Seminar & Membership Luncheon ..........................4-5NAIFA-Columbus Super CE Day .........................................................................6NAIFA/SFSP Dennis Clark Cancer Classic ..........................................................7Welcome New NAIFA-Columbus Members ........................................................8New Member Spotlight .........................................................................................8Congress Endorses Life Insurance Awareness Month ..........................................9Why Convene? .................................................................................................9-10Fax Rule Fixed But New Requirements Added ..................................................10Legislative Update .............................................................................................. 11IFAPAC Contribution Form ................................................................................12SOCIETY OF FINANCIAL SERVICE PROFESSIONALS - COLUMBUS CHAPTER

2005-2006 Board of Directors ............................................................................13President’s Message ............................................................................................132005 Professional Development C.E. Seminar Series ........................................14Attend the Forum and Enhance Your Professional Success ...............................15Welcome New SFSP Columbus Chapter Members ............................................16New Member Spotlight .......................................................................................16Thank You 2005 ‘Friends of the Chapter’ ...........................................................16

ContentsContents

The mission of the Columbus Chapter of the National Associa-tion of Insurance and Financial Advisors is to provide leadership in sustaining and improving the business environment for those engaged in life underwriting and to enhance further the profession-al skills of those providing life and health insurance and other closely related financial products and ser-vices which foster greater financial independence for the public.

IT’S SMART TO BELONG!

Association Executive Karen Shepherd8457 Invergordon Court, Dublin, OH 43017phone (614) 766-8472 • fax (614) 766-8474

e-mail exec@naifa-columbus.org

2005-2006 OFFICIAL FAMILYPRESIDENT

Bryan K. Todd 614-854-0334 - Fax: 614-854-0335

PRESIDENT ELECTCort R. Bradbury, CLU

614-792-8085, x122 - Fax: 614-792-1016

VICE PRESIDENTBob Hendrix, JD, CLU, ChFC

614-791-2622 - Fax: 614-791-2621

SECRETARY / TREASURERRobert H. Johnson III

614-785-5100 - Fax: 614-785-4255

IMMEDIATE PAST PRESIDENTTim A. Colvin

614-792-8085, x102 - Fax: 614-792-1016

NATIONAL COMMITTEE DELEGATEWilliam D. Harrison, CLU, CSA

740-881-0030 - Fax: 740-881-2209

AHIA HEALTH CHAIRJeff Beck

614-718-5343, x14 - Fax: 614-718-5350

MEMBERSHIP CO-CHAIRJason A. Black, LUTCF

614-793-2121, x207 - Fax: 614-793-2137

COMMUNITY SERVICE CHAIRLouise Fleming, CLU, ChFC

614-433-9103 - Fax: 614-433-9105

MEMBERSHIP COMMITTEEMarc Froebel

614-463-7390 - Fax: 614-463-7242

MEMBER SERVICES CHAIRTimothy Hogan, LUTCF

(614) 898-1066 - Fax: (614) 898-0325

MEMBERSHIP CO-CHAIRKimberly V. Johnson

614-793-2121 - Fax: 614-793-2137

NAIFA-PAC CHAIRSteve Mathews

614-442-4669 - FAX: 614-457-8525

LUTC CHAIRLeena Rosile

(614) 857-4257 - Fax: (614) 221-0235

LEGISLATIVE, NAIFA-PIC CHAIRAmy Scott

614-793-2121 - Fax: 614-793-2130

PUBLIC RELATIONS CHAIRRyan Smith

614-792-8085 - Fax: 614-792-1016

GOVERNMENT RELATIONSLarry P. Sullivan, CLU, LUTCF, CLTC614-792-1463, x158 - Fax: 614-792-3052

PROGRAMS AND PROFESSIONAL DEVELOPMENTPaul Yarger

(614) 472-2707, x7272 - Fax: (614) 476-9015

GOLF CLASSIC CHAIRWilliam D. Clark, CLU

614-486-4500 - Fax: 614-485-0414

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National Association of Insurance and Financial Advisors - Columbus Chapter

Message From the PresidentBryan K. Todd, 2005-2006 NAIFA-Columbus President

CALENDAR OF UPCOMING EVENTS

Membership Luncheon and CE Seminars scheduledfor the 2005-2006 Association Year:

SEPTEMBER 21, 2005See page for details and registration

OCTOBER 19, 2005

NOVEMBER 3, 2005SUPER CE DAY!

JANUARY 18, 2006 FEBRUARY 15, 2006

MARCH 15, 2006APRIL 19, 2006MAY 17, 2006

Please watch future issues of the Columbus Advisor for updates. For more information please visit www.naifa-columbus.org or contact Association Executive Karen Shepherd at (614) 766-8472 or e-mail exec@naifa-columbus.org.

In case you’ve been out of the loop, incommunicado, disconnected, or generally unaware, September, 2005,

is once again recognized as Life Insurance Awareness Month (LIAM).

I started this column in that manner because, in a recent edito-rial (July 4/11, 2005) in the National Underwriter (NU), Edi-tor-in-Chief Stephen Piontek was questioning why there had not been more “hubbub” about the noteworthy, national event. He went on to note that his magazine had only published two articles on the topic. That was curious in itself, since, as Edi-tor-in-Chief of the widely popular insurance magazine, Mr. Piontek presumably has some infl uence on its content.

Mr. Piontek’s point is valid. As insurance professionals, we need to promote the value of life insurance, and we need to

take advantage of every opportunity. That’s why Life Insur-ance Awareness Month is so important.

One of the purposes of NAIFA-Columbus is education. In def-erence to Mr. Piontek, the NAIFA-Columbus board has been working to make Life Insurance Awareness Month as “big” as possible. That’s why we are very pleased to announce that the President and CEO of the American College, Laurence Barton, PhD, will be our speaker at the September luncheon.

The American College has been expanding educational oppor-tunities, such as the Horizons program (CLU, ChFC and CFP courses in a local, interactive classroom environment), and the Financial Services Specialist (FSS) designation.

The NAIFA-Columbus board is excited about this unusual opportunity, and we hope you are excited, as well. Plan on attending this event, andplease bring non-member colleagues!

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Congratulations to NAIFA-Columbus LILI Graduates!Recent LILI Graduates Bryan Todd and Cort Bradbury were presented their LILI certificates by NAIFA Past President Robert M. Nelson, CLU, ChFC. The presentation was part of the annual Ohio Association Leadership Conference this past July. Bob Roach also completed the LILI program during this session.

LILI (Leadership in Life Institute) is a six-month program for NAIFA members who are leaders or potential leaders in our local associations. Leadership of others begins with leadership of oneself. By building on and expanding the personal abili-ties of candidates, LILI creates a tremendous opportunity for personal growth in every aspect of your life.

Bob, Cort and Bryan feel the program was important to them and will make a lasting difference in their lives. If you are interested in learning more about the LILI program contact either Bryan at (614) 854-0334 or Cort at (614) 792-8085 ext. 122 and they will be happy to share the rewards of the pro-gram and the commitment required. www.NAIFA.org

BOB HENDRIX HAS MOVED Our offices are now in our own building located at

6295 Emerald Parkway, Dublin, Ohio The new location is just north of Rings Rd. on Emerald Park-way on the west side of the street. We are the first building in the back row. Our phone numbers and e-mail address have remained the same as has our commitment to providing you and your clients the same quality service in the following areas: Estate Planning Tax PlanningElder Law Probate ServicesBusiness/Farm Planning Call or email Mary Ritchie to schedule a client consultation or to just ask a question on a current case that you are currently working, and remember their are special rates for your own and your staff’s personal planning: Phone: 614-791-2622 • Toll Free: 1-800-433-7926Fax: 614-791-2621 • Email: hxlaw@rrohio.com

SERVING ALL OF OHIO

MEMBER FEEDBACK WELCOME!

Association Executive Karen Shepherd8457 Invergordon Ct., Dublin, OH 43017phone (614) 766-8472 • fax (614) 766-8474

e-mail exec@naifa-columbus.org

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NAIFA-COLUMBUS MORNING C.E. SEMINAR & MEMBERSHIP LUNCHEON MEETING

Wednesday, September 21, 2005 OSU CONFERENCE CENTER, 2400 OLENTANGY RIVER RD., (614) 292-1342

Business Insurance for Pass-Through EntitiesTwo-Hour Morning C.E. Seminar moderated by Raymond R. Jones, ChFC, Ameriprise Financial (formerly American Express)C.E. Registration starts at 8:30 a.m. Presentation from 9:00 to 11:00 a.m.

Ray has over 32 years of experience in the financial service industry. From 1973 to 1993 he worked as an agent and in manage-ment positions with Prudential and American General. In 1193 He joined American Express working as Region Vice Presi-dent and Field Vice President. In 2003 her returned to personal production as a Financial Advisor with Ameriprise (formerly American Express).

Ray is a Past President of NAIFA-Columbus, an MDRT , NSAA, NQA qualifier and LUTC instructor. While at American Express, Ray developed training techniques that lead to the Life Insurance Training Manual that is still used by financial advi-sors within American Express.

In 2004, Ray qualified for The President’s Recognition Award. The President’s Recognition Award recognizes American Express financial advisors who demonstrate exceptional written advice.

Ray and his wife Diane have been married for 32 years and have two daughters. Ray is a former board member and Big Brother of Big Brothers/Big Sisters of Columbus, Ohio.

Followed by our Membership Luncheon Meeting, 11:15 a.m. to 1:00 p.m.

New Dynamics for Financial Advisors: Education and Wealth ManagementSpecial Guest Speaker: Dr. Larry Barton, President and CEO of The American College

Larry Barton, Ph.D., is the eighth President and Chief Executive Officer of The American College. He is also a Professor of Management at The American College.

Prior to joining The American College, Dr. Barton served as president and chief executive officer of Heald College, and prior to that he served as President of DeVry University in Phoenix, Arizona. At both of these institutions, he was responsible for major curriculum innovations as well as enhancements to distance learning platforms. A former professor of management and business at Pennsylvania State University Graduate Center at Great Valley, Dr. Barton has also served on the faculties of Boston College, Harvard Business School and the University of Nevada at Las Vegas (UNLV). He received a coveted Senior Fulbright Scholarship to Japan from the U.S. Information Agency in 1987.

Dr. Barton is the author of three textbooks devoted to enhancing and expanding students’ understanding of financial and business risk: Crisis In Organizations (1990: Thomson); Ethics: The Enemy in the Workplace (1995: Thomson); and Crisis in Organizations II (2001: Thomson). He is editor and subject advisor for the new book, Crisis Management (2004: Harvard Business School Press). Dr. Barton serves on the Editorial Board of Management Decision (MCB University Press) and since 1995 has served a reviewer for the Journal of Business and Economic Perspectives at the University of Tennessee.

As a specialist in risk and crisis management, Dr. Barton has helped world-class industry leading organizations, including British Petroleum, The Walt Disney Company, Honda, ExxonMobil, and many others improve their business functions and strengthen their ability to handle unexpected challenges. From 1995-1999 Dr. Barton served as vice president of communications and public affairs for Motorola, Inc., where he led industry partnerships and public affairs, managing regional teams in London, Geneva, Hong Kong and Tokyo.

Dr. Barton has offered keynote speeches and presentations at over 130 financial and academic conferences in nearly 20 countries. His articles have appeared in The New York Times, Boston Globe, USA Today, and more than 40 academic journals worldwide. Dr. Barton has been interviewed on CNBC, CNN, public radio’s Marketplace and other network programs on issues related to financial services, business insurance and crisis preven-tion. He has been profiled in The Wall Street Journal and other publications. In 2005, for the second consecutive year, Insurance Newscast recog-nized Dr. Barton as “One of the 100 Most Powerful People in Insurance.”

Dr. Barton holds an A.B., magna cum laude, from Boston College in speech and communications, the MALD (Master of Arts in Law and Diplo-macy) degree in international business from the Fletcher School of Law and Diplomacy at Tufts University, and a Ph.D. in public affairs and inter-national communications from Boston University.

PROGRAMSPONSOR: REGISTER USING THE FORM ON THE ADJACENT PAGE

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NAIFA-COLUMBUS C.E. SEMINAR & MEMBERSHIP LUNCHEON RESERVATION FORM

Wednesday, September 21, 2005OSU Fawcett Conference Center, 2400 Olentangy River Rd., Columbus • (614) 292-1342

Reservations for the September 21, 2005 C.E. SEMINAR from 8:30 to 11:00 a.m. and the MEMBERSHIP LUN-CHEON MEETING from 11:15 a.m. to 1:00 p.m. are due by THURSDAY, SEPTEMBER 15. Please RSVP by mail to NAIFA-Columbus, 8457 Invergordon Court, Dublin, OH 43017, or fax (614) 766-8474, or e-mail exec@naifa-colum-bus.org. You can also register online at http://www.naifa-columbus.org.

“Business Insurance for Pass-Through Entities”Moderated by Raymond R. Jones, ChFC

Registration and continental breakfast for the C.E. seminar attendees begins at 8:30 a.m. Seminar follows from 9:00 to 11:00 a.m. Seminar attendees are also invited to attend the membership meeting at the luncheon cost listed below.

C.E. SEMINAR COST: NAIFA-COLUMBUS MEMBERS are FREE in advance, $25.00 if registering at the door. NON-MEMBERS are $25.00 in advance, $30.00 at the door.

NAME: ___________________________________________ Phone: _________________________

E-mail: ___________________________________________ Fax: ____________________________

“New Dynamics for Financial Advisors: Education and Wealth Management”Special Presentation by Dr. Larry Barton

Membership meeting begins at 11:15 a.m. and ends at 1:00 p.m.

LUNCHEON COST: NAIFA-COLUMBUS MEMBERS with reservations are FREE; MEMBERS registering at the door are $15.00. FIRST-TIME PROSPECTIVE NAIFA-COLUMBUS MEMBERS (guests of members) are FREE; $20.00 per guest thereafter; all OTHER GUESTS are $20.00.

MEMBER NAME: _________________________________ Phone: _________________________

E-mail: ___________________________________________ Fax: ___________________________

GUEST NAME: ___________________________________ Phone: _________________________

E-mail: ___________________________________________ Fax: ___________________________

If you need to cancel your luncheon reservation please do so by 5:00 p.m. on the Monday before theluncheon as a $15.00 fee will be billed to all no-shows and charged to all walk-in members that day.

Make Checks Payable to NAIFA-COLUMBUS and send to address above.Any Questions? Call the Association Office at (614) 766-8472. Thank you.

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Why Wait? Mark your calendars now for . . . THURSDAY, NOVEMBER 3, 2005 FROM 7:30 AM – 5:00 PM

THE NOVICE G. FAWCETT CONFERENCE CENTER

PRESENTED BY

NAIFANAIFANAIFANAIFA----ColumbusColumbusColumbusColumbus National Association of Insurance and Financial Service Professionals

Columbus, Ohio Chapter

� EEEEARN ARN ARN ARN 8 H8 H8 H8 HOURS OF OURS OF OURS OF OURS OF CCCCONTINUING ONTINUING ONTINUING ONTINUING EEEEDUCATION IN DUCATION IN DUCATION IN DUCATION IN JJJJUST UST UST UST OOOONENENENE DDDDAYAYAYAY!� SSSSELECT ELECT ELECT ELECT 4 T4 T4 T4 TWOWOWOWO----HHHHOUR OUR OUR OUR CCCCLASSES LASSES LASSES LASSES FFFFROMROMROMROM 12 S12 S12 S12 SESSIONSESSIONSESSIONSESSIONS

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� NNNNETWORKINGETWORKINGETWORKINGETWORKING/E/E/E/EXHIBITOR XHIBITOR XHIBITOR XHIBITOR OOOOPPORTUNITIESPPORTUNITIESPPORTUNITIESPPORTUNITIES

� SSSSITITITIT----DDDDOWNOWNOWNOWN LLLLUNCHEON WITH UNCHEON WITH UNCHEON WITH UNCHEON WITH MMMMYSTERY YSTERY YSTERY YSTERY KKKKEYNOTE EYNOTE EYNOTE EYNOTE SSSSPEAKERPEAKERPEAKERPEAKER

HHHHINTINTINTINT: V: V: V: VERY ERY ERY ERY SSSSUCCESSFUL UCCESSFUL UCCESSFUL UCCESSFUL PPPPROFESROFESROFESROFESSIONAL IN SIONAL IN SIONAL IN SIONAL IN OOOOUR UR UR UR IIIINDUSTRYNDUSTRYNDUSTRYNDUSTRY

Seating Will be Limited! Remember to Register Early and Save!Seating Will be Limited! Remember to Register Early and Save!Seating Will be Limited! Remember to Register Early and Save!Seating Will be Limited! Remember to Register Early and Save!

Watch for details in the October edition of the Columbus AdvisorColumbus AdvisorColumbus AdvisorColumbus Advisor or on the NAIFA-Columbus Website http://naifa-columbus.org

Exhibitors can contact Karen Shepherd, Association Executive at (614) 766-8472 or Exec@naifa-columbus.org.

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Ash Brokerage Serves as Title Sponsor for the 2005 NAIFA/SFSP Dennis Clark Cancer ClassicAsh Brokerage led the way as the title sponsor with a donation of $5,000 to the NAIFA/SFSP Dennis Clark chair for cancer research. Their generous donation, along with the other major sponsors and hole sponsors, allowed our association to donate approximately $16,000 to The James Cancer Hospital & So-love Research Institute. To date, over $850,000 in cash and life insurance donations have been raised.

NAIFA-Columbus and the Society of Financial Service Pro-fessionals would like to thank the following major sponsors: Ash Brokerage, American United Life, Motorists Life, Andrew Insurance, Clark-Guy and Associates, The Principal Financial Group, John Hancock Funds, John Hancock Annuities, and Met Life Investors.

We would also like to thank the following hole sponsors and all the companies who donated door prizes that enabled ev-eryone to go home a winner: APPS Paramedical, Portamedic, CFD Investments, Morton Learning Center, Robert Hendrix, J.D., Winterset CPA Group, Dodd Brokerage, Lincoln Finan-

cial/Steinhaus, Randy Hemmelgarn/Met Life, Tony Shock-ley/John Hancock, Penn Mutual, Berson-Sokol, Sentz Finan-cial, John Poston, Northwestern Mutual, Columbus Life, ING Golden Select Annuities, Allegiant Funds/National City Bank, and Commerce National Bank.

Special thanks go out to the committee for this year’s tour-nament including: Tony Shockley, Kevin Quinn, Mike Clark, Robert Hendrix, Matt Clark, Kim Pardi, and Matt Keyes.

We would also like to thank the many volunteers who contrib-uted their time and efforts to make this year’s outing a suc-cess!

NAIFA-Columbus and S.F.S.P. members should keep in mind, especially during the upcoming football season, that clients may join the OSU President’s Club by purchasing life insur-ance. After joining, the donor can designate the James and the NAIFA/SFSP Dennis Clark Chair for Cancer Researchas the beneficiary.

WINNING SCRAMBLE TEAM -12 UNDER PARTerry Carter, Jon Berniger, Keith Best, Brian Willms

LOW GROSS -WINNER - TIEWayne Rolsen (above)and Matt Parrish

PAR THREE - CLOSEST TO THE PIN

John Susie, Joe Kutshbach, Keith Best, Sam Chickarella (right)

LONG DRIVEMike Zetwick LONG PUTTGreg Marquis

KNOW OF ANYONE

WHO CAN BENEFIT

FROM ALL THAT OUR

ASSOCIATION HAS

TO OFFER?

Send their contact information

to the Association Office and

we will make sure that they

receive information about us!

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NAIFA MEMBERSHIP AND TRANSFER APPLICATION(Please Print Legibly)

1. Social Security NO. 2. LOCAL ASSOCIATION NAME 3. ASSOCIATION NO.

4. MEMBER TYPE 5. APPLICANT”S FULL NAME __Mr. __Ms. __Mrs. (First, Middle Initial, Last) Regular Student

__Active __Associate __Associate

6. DESIGNATION(S) - Limit Two 7. TITLE 8. Mail Should Be Sent To:

_____Business _____Home

9. PRIMARY COMPANY 10. FIRM/AGENCY NAME

12. BUSINESS PHONE

13. BUSINESS FAX

15. TOLL-FREE NUMBER

16. HOME PHONE

18. Month/Year of Initial License

______ / ______

20. Date of Birth

11. BUSINESS ADDRESS (include country if outside USA)

Street ___________________________________________________________________

City, State, Zip ____________________________________________________________

14. HOME ADDRESS

Street ___________________________________________________________________

City, State, Zip ____________________________________________________________

17. E-MAIL ADDRESS 17a. WEBSITE

19. PRODUCER/AGENT TYPE ____ Ordinary ____ Multiline ____ Health____ Home Service ____ Broker Dealer ____ Independent

21. APPLICANT SIGNATURE 22. DATE APPLICATION APPROVAL 23. Opt out

To Be Completed byLocal Association*

____ New Member @ $ _________ Reinstate @ $ ____________ Transfer Only

(no dues required)____ Transfer/Renewal

(dues enclosed)Former Association(include state location)

________________________

____ Credit Card Charge by NAIFA*

____ Bank Draft by NAIFA*

*Attach completedPayment Option CardCode ____________________

To the best of our knowledge, theapplicant named is entitled to andworthy of acceptance by this localassociation.

_____________________________Active Sponsor Name(Please Print) (1)

_____________________________Active Sponsor Name(Please Print) (2)

NAIFA-Columbus, OH 38-4352

FEES: NAIFA $141.00 OAIFA $115.00 NAIFA-COLUMBUS $ 86.00

TOTAL: $342.00

ENCOURAGE YOUR PEERS TO JOIN THE COLUMBUS CHAPTER OF THENATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS!

Return the application below via mail to Karen Shepherd, 8457 Invergordon Court, Dublin, OH 43017 with check made payable to NAIFA for $342.00. ANY QUESTIONS? Contact Karen Shepherd, Association Executive, at (614) 766-8472 or e-mail exec@naifa-columbus.org.

Welcome New NAIFA-Columbus Members!

NAIFA-COLUMBUS

New Member SpotlightPlease join us in welcoming Ulisha Thompson to our association. She is a Financial Represen-tative with Horace Mann Insurance. She has an Associates Degree from Muskingum University and has attended The Ohio State University for finance classes.

Ulisha has been in the Financial Services busi-ness for one year and is working to build her business based on Trust and Ethics.

Ulisha Grew up in Hawaii and moved to Ohio with her parents. She resides in Columbus with her daughter, Madaisha.

Jody AckermanTransamerica

Donald GarlikovGarlikov and Associates

Peter GolatoNationwide Financial

Dathan LumpkinsNorthwestern Mutual

Eric SusiNew York Life

Thomas VetrickNew York Life

IT’S SMART TO BELONG!

Columbus Advisor

9Columbus Advisor

Congress Endorses Life Insurance Awareness MonthIt is now offi cial - by Congressional declaration, September 2005 is Life Insurance Awareness Month!

The Life Insurance Awareness Month resolution passed the House (H.Con. Res. 181) and Senate (S.Res. 223) in the same week. In a tremendous showing of support and coordination, the resolution passed the House on Monday, July 25 by a vote of 377 to 4 and was “hotlined” in the Senate (meaning it was approved unanimously) the following Thursday, July 28.

NAIFA gives special gratitude to all the House and Senate members who worked to pass Life Insurance Awareness Month. Senators Saxby Chambliss (R-GA) and Ben Nelson (D-NE) worked the bill through a diffi cult Senate process quickly. The Senate resolution included the following cosponsors: Senators George Allen (R-VA), Tim Johnson (D-SD), John Thune (R-SD), Susan Collins (R-ME), David Vitter (R-LA) and Mel Martinez (R-FL).

On the House side, Representatives Judy Biggert (R-IL) and Paul Kanjorski (D-PA) worked side-by-side with 68 cosponsors to get the resolution approved be-fore the August recess and in time for September. A list of those co-sponsors is available at www.capwiz.com/naifa under LIAM Updates (House).

NAIFA appreciates the lobbying support of the attend-ees of the 2005 National Leadership Conference Day on the Hill and those that responded to the Life In-surance Awareness Month Action Alert. It is NAIFA’s hope that last week’s congressional action will help raise public awareness about the importance of life insurance and encourage consumers to evaluate their life insurance needs.

NAIFA National Conventionand Career Conference

Why Convene?David F. Woods, CLU, ChFC, LUTCF, NAIFA CEO

Once upon a time, “the boys” would get together each year in some city for a “convention.” Often, too often, it would be a four or fi ve day party -- lots of good food, too much liquor and who knows what else. In fact, my fi rst NALU Convention was in Atlantic

City in 1967, nearly 40 years ago. I went at my own expense to receive the Louis I. Dublin Public Service Award on behalf of my local association. I have two lasting impressions of that meeting.

The fi rst is of a presentation by the chair of what was then the Federal Law and Legislation Committee, Jack Bobo. Jack, of course, went on to become president and then later CEO of NALU. But then he was clearly a comer. His presentation on the range of issues facing us was brilliant and persuasive. I remember having the temerity to challenge him on a point. I don’t recall what it was but, in typical Bobo fashion, he demol-ished my argument, which left me frustrated but impressed.

My second impression and memory is not so favorable. It was clearly party time for a large number of the delegates. The li-quor fl owed freely and, as often happens when it does, things got noisy and raucous. I left early. It was not what I had come for.

Compare and contrast Atlantic City 1967 with Las Vegas 2004. In 1967 there were no casinos in Atlantic City like there are in Las Vegas. Anyone who had not been to a NAIFA Convention between 1967 and 2004 might well go expecting the worst. Las Vegas??? But what a difference 37 years makes. In Las Vegas last September, despite all the temptations and oppor-tunities for diversion, the business sessions were packed. The afternoon workshops often had standing room only. A series of vitally important bylaws were approved by the National Coun-cil and an election was held that brought into offi ce some of the most qualifi ed and talented new trustees NAIFA has ever had.

continued on next page

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Delegates and their spouses (very few, if any, spouses were in Atlantic City) enjoyed what Las Vegas had to offer, but after hours. I have been to all but two or three conventions since Atlantic City and I can state without reservation, this was one of the best, if not the best.

Why do I write about this? Well, obviously I’m promoting your attendance at the 2005 NAIFA Convention in Baltimore. David Smithkey and his Convention Committee have put to-gether a program that is every bit as good as the one in Las Vegas, perhaps better.

But my broader reason is to reflect on the differences and simi-larities between Atlantic City 1967 and Baltimore 2005. As our industry has grown and become more sophisticated, so, too has our association. Where Atlantic City certainly did “the business of NALU,” the primary reason for every convention, the atmosphere was far less professional and family-focused than will be the case in Baltimore in September.

Of course, some things don’t change. As was true in 1967, NAIFA members today want substance, knowledge, the chance to vote on issues affecting the future of NAIFA and the industry. As always, they also want a chance to meet new people and to get ideas that will help them grow professionally and as leaders.

But where Atlantic City 1967 was pretty much a party inter-rupted by some business, Baltimore 2005 will be about the business of NAIFA, professional growth and leadership de-velopment and having some fun along the way. It will be a meeting that will make you proud to be a NAIFA leader. It will inspire you to strive to be the kind of professional and leader you want to be and give you new ideas and skills to help you get there. It will be about growth, about Charting a Course for the Future. It will be about helping you achieve personal and professional greatness.

It will be the meeting of a lifetime. Although Baltimore and Atlantic City are only 100 or so miles apart, the distance be-tween the spirit of Atlantic City 1967 and that of Baltimore 2005 will be vast. Be there!

Why Convene? continue from previous page

SEPTEMBER 10-14, 2005 • BALTIMORE, MD

In the nick of time, both houses of Congress passed legislation in late June to allow businesses and non-profits to send commercial faxes to their clients and members without getting prior written consent from the fax recipients.

The Junk Fax Prevention Act of 2005 (S. 714) maintains the “established business relationship” (EBR) exception to the FCC’s do-not-fax rules. Under a new rule, which was scheduled to go into effect on July 1, businesses and non-profits would have been required to obtain written consent from all fax recipients, even those with whom the sender has an EBR, before faxes of a com-mercial nature could be sent.

NAIFA opposed the FCC’s omission of an EBR excep-tion from the do-not-fax rules because NAIFA members should be able to send faxes to their own clients with-out the unnecessary burden of having to get prior writ-ten consent. NAIFA supported legislation to correct the FCC’s fax rule for the past two years and successfully postponed implementation of the FCC rule during this period as part of a coalition of association and business groups addressing this issue. The new law restores the EBR exception to the do-not-fax rule, but the bill also contains important new requirements.

The new law requires all unsolicited commercial faxes to contain a clear notice on the first page of the fax that tells recipients they can request not to receive faxes in the future and that such a request must be complied with promptly. This opt-out notice must give fax recipi-ents the sender’s telephone and fax numbers, and a cost-free method, available 24/7, to inform a sender that a recipient does not want faxes in the future. In ad-dition, fax numbers used on the basis of an EBR must be obtained directly from the recipient or from a public source which obtained the number from the recipient (fax numbers in the possession of a sender at the time of the new law’s enactment may also be used).

These new requirements may be the subject of addi-tional FCC rulemaking. President Bush is expected to sign the new law quickly. If the bill signing is delayed, the FCC issued an order postponing implementation of its revised fax rules until January 9, 2006, again in response to a petition submitted by the Fax Ban Coalition. NAIFA is a prominent member of the coalition.

FAX RULE FIXEDBut New Requirements Added

11

National Association of Insurance and Financial Advisors

Legislative UpdateNAIFA’s Law and Government Relations Department

AHP Bill Passes; Shaddegg Bill PulledThe week of July 25 was designated as “health” week in the U.S. House of Representatives as five health-related bills were scheduled for consideration. Two bills were critical to NAIFA/AHIA members.

Association Health Plan The House passed HR.525 on July 27. HR.525 allows trade and professional associations to offer health insurance to their members by becoming, in effect, health insurance companies themselves.

AHP legislation has passed the House five times. HR.525 now goes to the Senate, where NAIFA and NAIFA’s health insurance division, the Association of Health Insurance Advi-sors (AHIA), have bottled up similar legislation for 10 years. AHIA and NAIFA are working for a similar outcome again this year.

The association health insurers created by HR.525 would op-erate under an ERISA provision exempting them from state law solvency standards, insurance department oversight and other consumer protections, as well as any benefits mandated by state law. No meaningful federal regulatory or solvency standards are substituted for current state based protections. AHP insurance plans would mirror to a large degree the thoroughly discredited Multiple Employer Welfare Arrange-ments that flourished in the 1970s under a similar ERISA preemption. MEWAs spawned widespread fraud and abuse until Congress changed the law in the early 1980s and gave regulation back to the states.

Shaddegg Bill - Interstate Sale ofIndividual Health Insurance Policies In somewhat of a surprise, a bill to allow the interstate sale of individual health insurance policies that many members of Congress had labeled “can’t miss” . . . did. HR.2355, called the Shaddegg bill after its author, Rep. John Shaddegg (R-AZ), never made it to the floor of the House during “health week.” The bill was approved by the Energy and Commerce Commit-tee on July 20, and though it passed Committee by only one vote, it was widely expected to pass the full House.

Basically, HR 2355 would allow insurers to register an indi-vidual health insurance policy in a state of their choosing and then market the policy in any state. The insurance laws of the state where the policyholder resides would not regulate the terms or conditions of the policy nor would they provide any consumer protections.

Some of the same policy issues raised against AHPs by AHIA apply to the sale of individual policies in interstate commerce. State regulatory officials through the NAIC offered sugges-tions to address state concerns. Though some changes were made to HR.2355, they were not enough to overcome objec-tions raised by the congressional delegations in some larger states with community rating laws governing the individual policy market.

Supporters of HR.2355 indicate they will be looking for ways to modify the bill to make it acceptable to critics both inside and out of Congress. No timetable has been set to bring it to the floor.

Stay informed with the latest legislative news thataffect the industry, your business, and your clients.

“Frontline” is an exclusive online resource available to members with up-to-date information from NAIFA’s Law

and Government Relations Department at www.naifa.org. It’s just another example why IT’S SMART TO BELONG!

PROTECT YOUR BUSINESSPROTECT YOUR CLIENTSPROTECT YOUR INDUSTRY

Don’t delay! Insure your business future bycompleting the form on the next page andmailing it with your contribution today!

12

GIVE TO IFAPAC!Three Easy Ways to Contribute to IFAPAC – Bank Draft, Check or Credit Card

Contribution Level Annual Contribution Monthly Bank DraftInvestor $50 to $99 $5.00/month (Minimum for bank draft)Century $100 to $199 $8.50/monthAmbassador $200 to $299 $17.00/monthStatesman $300 to $499 $25.00/monthEnvoy $500 to $999 $42.00/monthDiplomat $1,000 to $2,499 $84.00/monthEmissary $2,500 to $4,999 $210.00/monthCapitol $5,000 $416.00/month

Name ___________________________________________ NAIFA Member # or SS# ________________________________

Company _______________________________________________________________________________________________

Address ________________________________________________________________________________________________

City _______________________________________________ State _______________ Zip ___________________________

I would like to make my contribution in one annual amount: Enclosed is my personal check for $______________ Please charge my personal Visa Mastercard American Express

Account # _________________________________________________________ Expiration Date _______________________

For a single, annual amount of $______________ Signature ______________________________________________________(Please note, we cannot charge credit cards monthly)

I currently give on bank draft. Please increase my monthly contribution to $_________ I would like to enroll in the monthly bank draft plan. Enclosed is my check for the first month’s payment. I have completed the information requested below.

MONTHLY BANK DRAFT AUTHORIZATIONI hereby authorize IFAPAC to withdraw from my account the amount specified below every month. This authorization will remain in effect until revoked by me in writing and, until IFAPAC receives such notice, I agree that IFAPAC shall be fully protected in honoring such withdrawals. In consideration of IFAPAC’s compliance with such request and authorization, I agree that IFAPAC’s treatment of each such check and IFAPAC’s rights in respect to it, shall be the same as if it were signed personally by me and that if any such check be dishonored, IFAPAC shall be under no liability whatsoever even though such dishonor results in the forfeiture of IFAPAC membership.

1) Name of depositor as shown on bank records ______________________________________________________________

2) Account number _____________________________________________________________________________________

3) Name of bank and address of bank branch where account is maintained _________________________________________

4) Amount of draft per month $________________

5) Signature of depositor as shown on bank records

X ________________________________________________________ Date______________________

X (if joint) _________________________________________________

When signing up for bank draft, remember to enclose a voided check!!

Return form & contributions to: IFAPAC, PO Box 759063, Baltimore, MD 21275-9063 or fax bank draft applications or credit card contribution to 703-770-8151. Club types listed above are merely suggested amounts. Contributions to IFAPAC are volun-tary and are not deductible for federal income tax purposes. Corporate contributions are prohibited.

13

SOCIETY OF FSP TM

COLUMBUS CHAPTER

President’sMessage

John B. King-Beckles, CLU,FLMI, 2005-2006 President

Dear Member,

I am please to report that our Board and Committees are actively gear-ing up for a very exciting 2005-2006 year. So far this year, we have added six (6) new members to the

Chapter. In this regard, the membership committee headed by Kenneth McNutt, CLU, is discussing new and exciting ways to add and bring value to new and current members.

Our Professional Development Committee, being headed by Thomas Sigmund, JD and Steven Meier, CFP, ChFC, MSFS, AEP, is fi nalizing a new slate of continuing education semi-nars that you, the membership, have expressed an interest.

Similarly, our Public Relations and Sponsorship committees headed by Victoria Green, RHU and George McCloy, CLU, ChFC, respectively, are fi nalizing plans to: a) aggressively promote the Chapter within local communities and b) work with our sponsors to help raise funds for important work ahead.

I commend these efforts and the hard work the board is do-ing to revitalize our chapter. I will continue to report prog-ress as we move forward.

Sincerely,

John King-Beckles, CLU

Society of FSP - Columbus Chapter2006-2006 Board of DirectorsPRESIDENT

John B. King-Beckles, CLU, FLMINationwide5100 Rings Rd., RR1-07-D1Dublin, OH 43017614/435-0266 • Fax: 614/435-0155E-mail: kingj2@nationwide.com

PRESIDENT ELECT/HALL OF FAME EVENT CHAIRVictoria A. Green, RHUThe Green Agency6810 Caine Rd.Columbus, OH 43235614/792-8486 • Fax: 614/792-8487E-mail: Victoria@thegreenagency.biz

SECRETARY/TREASURER/CHAPTER RECOGNITION EVENT CHAIRHarry W. Archer, CFP®, ChFC, CLU, REBC, RHU Archer Financial Group LLCNettWorth Financial Group2720 Airport Drive, Suite 100Columbus, OH 43219-2219614/418-1770 • Fax: 614/418-1769 • Cell: 614/395-1875E-mail: harcher@nettworth.net

IMMEDIATE PAST PRESIDENT/NOMINATIONS COMMITTEE CHAIRG. Shawn Sentz, CLU, ChFCSentz Financial Services8065 Crossgate Court SDublin, OH 43016614/718-5348 • Fax: 614/718-5350 • Cell: 614/271-4190E-mail: ssentz@sentzfi nancial.com

DIRECTORSKevin J. Quinn, CLU RHUThe Principal Financial Group485 Metro Pl. S. #208Dublin, OH 43017-5300614/792-2791 ext. 3141 • Fax: 614/793-8388E-mail: quinn.kevin@principal.com

Van R. Stewart, CLU, FLMI, FALU, ACSMotorists Life Insurance Company471 E. Broad StreetColumbus, OH 43215888/876-6542 ext. 3687 • Fax: 800/876-8365E-mail: Van.Stewart@motoristsgroup.com

SOCIETY OF FSP - COLUMBUS CHAPTER17 South High St., Ste. 200, Columbus, OH 43215Phone 614-221-1900 • Fax 614-221-1989 • E-mail SFSP@AssnOffi ces.com

14

Society of Finance Service Professionals

2005 Professional Development Seminar SeriesThursday, October 20, 2005

4:00 – 5:30 p.m.

Qualified Retirement Plan Design IssuesModerated by Larry Boord, CLU, ChFC, JD

COLUMBUS BAR ASSOCIATION175 South Third Street, Suite 1100, Columbus, Ohio 43215-5193

REGISTRATION IS REQUIRED

This event is complimentary for Society members; $35.00 for Non Society Members

Name _______________________________________________________________________________

Address _____________________________________________________________________________

City / State / Zip ______________________________________________________________________

Phone ____________________________________ Fax ______________________________________

E-mail ______________________________________________________________________________

Light refreshments will be provided.

1.5 hours of CE & CLE credit will be available for this seminar.MAIL OR FAX TO

Society of FSP-Columbus Chapter17 South High Street, Suite 200

Columbus, Ohio 43215Office: 614-221-1900Fax: 614-221-1989

E-mail: SFSP@AssnOffices.com

REGISTRATION DEADLINE: OCTOBER 17, 2005

15

Attend the Forum and EnhanceYour Professional Success!Responding to clients in an ever-changing economic environ-ment is a constant challenge. Every year you are barraged with more information to analyze and assimilate into your everyday business. At the 2005 Financial Service Forum, this informa-tion can be reviewed and interpreted by experts and provided to you in a simple, understandable format.

With this year’s emphasis on advanced education, you can find the answers to practical questions you face every day. In ad-dition to the breakout sessions, there are two general sessions with CE: a panel of experts on current topics in estate and financial planning, and a case study that allows you to partici-pate in finding solutions for a family business. Adding anoth-er dimension to the Forum will be the featured Opening and Closing General Session speakers: Dan Sullivan, founder and president of The Strategic Coach, Inc.; and Amanda Gore, an expert in communications, group dynamics, and teamwork.

Opportunities abound to see old friends and make new ones at the Opening Night Reception, Foundation Golf Tournament, and the state-of-the-art Professional Resource Center with special events, prize drawings, and refreshments.

If you wish to participate in an interesting pre-Forum program, sign up for the Professional Leadership Symposium scheduled for October 8, featuring Ian Percy, noted psychologist and mo-tivational speaker.

Invite a colleague! Qualified nonmembers receive a compli-mentary one-year Society membership. Forum registration includes a CDROM package of the complete Forum 2005 pro-gram, available six to eight weeks following the event.

JW Marriott DesertRidge Resort & Spa

Phoenix, Arizona

TO REGISTER, CALL

800-392-6900(M-F 9:00 a.m. to 4:30 p.m. ET)

For additional details, visit

www.SocietyForum.com

In September, hundreds of companies and industry groups will join in support of Life Insurance Aware-ness Month (LIAM). The goal of this national cam-paign, now in its second year, is to ask Americans to think about their life insurance coverage. For this cam-paign to succeed, we all need to plan ahead. Watch for more information from the Society and begin working on your own LIAM campaign. The LIFE Foundation offers many materials for use in prospecting, face-to-face meetings, or client correspondence.

For more information about LIAM, visit the LIFE Web site at www.life-line.org, or call

LIFE at 800-268-7680.

16

THE COLUMBUS SOCIETY OF FSP

Welcomes New Members!Linda S. Bonini, CLU

Nationwide Financial Services Kathleen Laux Carwile, AIRC, ACS, CLU

Nationwide Financial Catherine G. Carnot-Bond, PhD, CPCU, ChFC

Nationwide Financial Van R. Stewart, CLU, FLMI, FALU, ACS

Motorists Life Ins. Co. Jeffrey D. Stein, CLU, ChFC, FLMI

Nationwide Financial Services Stephen M. Jackson, ChFC, CLU

NationwideBrian S. Willms

Guardian Life of America Robert P. Linnabary, MBA

US Bank NA Larry E. France, CLU

France and Associates, Inc.THESE MEMBERS HAVE JOINED SINCE JANUARY 2005.

2005 FRIENDS OF THE CHAPTER!GOLD SPONSOR

Nationwide Financial

SILVER SPONSORSAPPS Paramedical

Buckingham, Doolittle & Burroughs, LLPMotorists Life Insurance Co.

Principal Financial GroupTravelers Express

BRONZE SPONSORSArcher Financial Group, LLC

Clark, Schaefer, Hackett & Co. Morton Learning Center LLC

Sentz Financial ServicesSteinhaus Financial

We thank you for your generosity and continuous support!

Columbus Society of FSP

MEMBERSPOTLIGHT

C. Paul Sutor, CLU, ChFC has 44 years experience in the insurance in-dustry. Paul began his career in La-Porte, IN in 1961 with MetLife. Paul and his family moved to Toledo where he was an Assistant Manager for Met-ropolitan Life. In 1984, the family made the move to Columbus where he continued with Metropolitan as a Bro-kerage Manager.

In May of 1992, Paul joined The Principal Financial Group as a Brokerage Sales Manager. In his tenure over the last 12½ years with Principal, Paul has served as Agency Manager, General Manager, Managing Director and, since January of 2003, as Regional Managing Director of the Principal Finan-cial Group Ohio Business Center.

Paul earned his CLU designation in 1985 and ChFC in 1988. There have been many accomplishments during his career including multiple qualifications for MDRT (Million Dollar Round Table) and MART (Management Achievement Round Table). He has been a member of the FSP for 20 years and is a Past President of the Columbus Chapter and a Hall of Fame Award recipient.

Paul retired from Principal Financial Group at the end of July. Paul believes you never really retire from this industry and still plans to continue with some personal pro-duction as well as taking some extra time to spend with his lovely wife, Dee, and his children and grandchildren.

SOCIETY OF FSP - COLUMBUS CHAPTER MISSION STATEMENTThe Columbus Chapter is dedicated to emphasizing high ethical standards while delivering advanced financial services education to its members. Mem-bership in the Chapter as a fully credentialed financial service organization promotes:

• Professional growth through advanced education

• Development of personal & professional relationships to encourage indi-vidual & business financial success

• An unmatched commitment to preservation of integrity while serving the public in achieving financial goals.