april 26, 2012 we invite you to join us as we announce and ... · refer to overhead expense policy...

The

Financial

Advisor

News

ofNAIFA-DallasFounded in 1913 as the

Dallas Association ofLife Underwriters

(DALU)

Vol. 84, No. 8April 2012

Check Out OurWebsite at:

www.naifadallas.org

Connectionsthat Count

NAIFA-DALLAS AND OUR 2011-12 PROGRAM SPONSOR

are proud to present

Need Continuing Education? . . . . . . . see pages 5 & 10

2011-12 President’s Cabinet . . . . . . . . . . . see page 7

2012-13 NAIFA-Dallas Official Board Ballot . . . . . . . . . . . . . . . . . . . see page 9

Race for CE . . . . . . . . . . . . . . . . . . . . . . . . . see pages 10-11

2012 Membership Directory . . . . . . . . . . see page 12

APIC Influence Training Meeting . . . . . see page 13

NAIFA-DALLASPROGRAMApril 26, 2012

We invite you to join us as we announce and honor:

2011 ADVISOR OF THE YEAR&

2011 O.C. JACKSON HALL OF FAME

(see page 5)

2012-13 NAIFA-Dallas Official Board Ballot Inside!

Return by Friday, April 20th.See page 9 ➔

THE FINANCIAL ADVISOR NEWS OF NAIFA-DALLAS 4/12PAGE 2 THE FINANCIAL ADVISOR NEWS OF NAIFA-DALLAS 4/12

Unique policy features designed to provide the flexibility business owners need

Our new Overhead Expense policy:

• Advancesbenefitstohelpcoverimmediateneeds1

• Providesanadditionalpoolofcoveragethatcanbeusedanytimeduringthebenefitperiodtohelpwithfluctuatingexpenses2

• ProvidesOccupationalRehabilitation,andModificationandAccessbenefitsforanagreeduponplantohelpdisabledownersreturntoworkintheirbusiness

• Offerstheindustry’slowestlossofgrossmonthlyrevenuethresholdforresidualdisabilitybenefits3

• Providesupto$10,000tohelpcoverthesalaryofareplacement4

• Reimbursesupto$5,000forlegalandaccountingfeesresultingfromtheterminationorsaleofthebusinessduetodisability5

• Offersissuelimitsupto$50,000(andupto$55,000whencombinedwithBusinessReducingTerm)

Our new Disability Buy-Out policy:

• Definesthebusinessvaluationformulainthepolicymakingiteasierforyouandyourclientstounderstandhowthebusinessisvaluedwhenthepolicyispurchasedandatthetimeofclaim6

• Offersa$2millionmaximumissuelimit—regardlessofeliminationperiodorfundingmethod • ProvidesOccupationalRehabilitation,andModificationandAccessbenefitsforanagreeduponplantohelpdisabled

ownersreturntoworkintheirbusiness

Thesepolicies:

• Offertheindustry’smostgenerousWaiverofPremiumbenefit • Maybeconvertedtoanindividualdisabilityinsurancepolicysubjecttoeligibilityrequirements • NofinancechargeforautomaticmonthlypaymentwithGuard-O-Matic

Highly competitive premiumsGenerous compensation and unparalleled renewals

Calltodaytolearnmore.Disability income products are underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY or provided by Guardian. Products are not available in all states, and provisions may vary by state.

Refer to Overhead Expense Policy Form 4200 for details of our Accelerated Benefit Endorsement1, Supplemental Overhead Expense Benefit Rider2, Residual Disability Benefit3, and Legal & Accounting Fee Benefit5. Additional conditions or requirements may apply to riders, endorsements, and benefits. Additional eligibility requirements and conditions apply to the Professional Replacement Endorsement4. Refer to Disability Buy-Out Policy Form 3200 for details of our Business Valuation Endorsement6.

Youwon’tfindthiscombination withanyothercarrier!

New!Business ProVider: Disability Insurance Products for Small Business

UniquePolicyFeatures +CompetitivePremiums +GenerousCompensation

8056 (12/09)2009—11593 For Producer Use Only—Not for Use with the General Public.

The Guardian Life Insurance Company of America, New York, NY 10004-4025

®

FINANCIAL PrOCEss GrOUPA Representative of GuardianScottDial,DisabilityIncomeSupervisor12700CentralParkDrive,Suite1050Dallas,TX75251Telephone:888-836-7049Facsimile:214-739-0479Email:[email protected]

THE FINANCIAL ADVISOR NEWS OF NAIFA-DALLAS 4/12 PAGE 3THE FINANCIAL ADVISOR NEWS OF NAIFA-DALLAS 4/12 PAGE 3

REGISTRATION FORM

Name _______________________________________________ Company ________________________________________________

Address _______________________________________________City _________________________ State _____ Zip ____________

Phone ________________________ Fax _______________________ Email ______________________________________________

❑ Check (payable to NAIFA-Dallas) ❑ Charge (circle one) VISA MC AMEX Zip Code on billing statement ____________

Credit Card # _______________________________________________________ Expires on _____ / _____ Security Code ________

MAIL TO: NAIFA–Dallas, 16990 Dallas Parkway, Suite 212, Dallas, Texas 75248 OR FAX: (972) 934-1217 OR EMAIL: memberservices@naifadallas .org OR ONLINE: www .naifadallas .org

No refunds unless 24-hour cancellation notice is given.

CLL CLASSES (see page 10)

Date Time Course Location Member/Non-Member

❑ 5/11/12 TBA Texas Regulations & Ethics (2 Hrs CE) Race for CE $25 .00/$45 .00

Date Time Course Member/Non-Member

❑ 4/26/12 1:30-2:30 pm Executive Bonus Plans – The Basics and More FREE/$25 .00 (1 Hr CE) Moderated by: Al Jackson Sponsored by: MassMutual

CE PROGRAMS Following NAIFA-Dallas Luncheon at Prestonwood C.C. (see page 5)

NAIFA-DALLAS PROGRAM2011-12 Program Sponsor: The Plus Group (see page 5)

Date Time Location Cost

❑ 4/26/12 11:30 am Prestonwood Country Club ❑ $20.00 Pre-registered 2012 NAIFA-Dallas Members & their guests 15909 Preston Road ❑ $25.00 at the Door ❑ $30.00 Non-members Dallas, TX 75248 ❑ 2011-12 Meal Plan ❑ 2011-12 President’s Cabinet-Prepaid

Welcome MassMutual – April Honor Agency

Announcement of 2011 Advisor of the Year and 2011 O.C. Jackson Hall of Fame

RACE FOR CE (see pages 10-11 for details and registration form)

Title Sponsors: Ameritas/Union Central and Lincoln Financial Advisors and Securian

Date Time Location

❑ 5/11/12 9:00 a .m . - 4:50 p .m . Lone Star Park at Grand Prairie

For more information on Sponsorship Opportunities, please email Laura Biesemeyer at: [email protected]


THE FINANCIAL ADVISOR NEWS

CONTENTSRegistration Form . . . . . . . . . . . . . . . . . . . . . . 3

Officers, Directors & Staff . . . . . . . . . . . . . . . . . 4

Important Numbers . . . . . . . . . . . . . . . . . . . . . 4

NAIFA-Dallas Program, 4/26/12 . . . . . . . . . . . . 5 2011 Advisor of the Year 2011 O .C . Jackson Hall of Fame

1 Hr CE Following 4/26/12 Luncheon . . . . . . . . 5 Al Jackson, “Executive Bonus Plans – The Basics and More”

President’s Message . . . . . . . . . . . . . . . . . . . . . 6

Association Calendar . . . . . . . . . . . . . . . . . . . . 6

2011-12 President’s Cabinet . . . . . . . . . . . . . . . 7

Welcome New Members . . . . . . . . . . . . . . . . . . 8

Member Benefits Orientation Breakfast . . . . . . . 8

2012-13 Official Ballot NAIFA-Dallas Board of Directors . . . . . . . . . . 9

Race for CE . . . . . . . . . . . . . . . . . . . . . . . 10-11

NAIFA-Dallas 2012 Membership Directory . . . . 12

APIC Influence Training Meeting Report . . . . . 13

Karen’s Korner . . . . . . . . . . . . . . . . . . . . . . . . 14

Thanks to our Sponsors & Exhibitors . . . . . . . 15

NAIFA–DallasEditorial and Advertising Office

16990 Dallas Parkway, Suite 212, Dallas, TX 75248(972) 991-2364 • Fax (972) 934-1217

www.naifadallas.org • email: [email protected]

The Financial Advisor News is produced 10 times per year by NAIFA-Dallas . Annual subscription is $1 .00 per year for members only . Subscription is included in the dues . Unless specifically stated, the publishing of an article or an advertisement does not imply endorsement by NAIFA-Dallas of either the views expressed or the products advertised .

ADVERTISER INDEXDwight Otto Brokerage . . . . . . . . . . . . . . . . . . 12

The Fisher Agency . . . . . . . . . . . . . . . . . . . . . 13

The Guardian Life Insurance Company . . . . . . inside front cover

The Hartford . . . . . . . . . . . . . . . . . . . . . . . . . . 7

Insurance Designers . . . . . . . . . . . . . . . . . . . . 14

Mutual of Omaha . . . . . . . . . . . . . . . . . . . . . . . 8

LD Lowe Sr . Wealth Advisory . . . . . . . . . . . . . . 12

Rice & Rice, PC . . . . . . . . . . . . . . . . . . . . . . . . 6

State Farm . . . . . . . . . . . . . . . . . . . . . . . . . . 10

Trustmark . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

Union Central/Ameritas . . . . . . . . . . . . . . back cover

IMPORTANT NUMBERSDAHU - Diane Vickers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .(214) 475-3563Dallas Estate Planning Council – Teresa Moore . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .(214) 340-8020FPA DFW – Melisa Hall . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .(972) 747-0407IFAPAC – Valli Sellers, CLU . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .(214) 774-4716IFAPIC – Steve Harris, CLU, ChFC . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .(972) 680-2777NAIFA National . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .(877) 866-2432NAIFA-Texas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .(512) 716-8800SFSP – Patricia Pattison . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (817) 370-8991Women in Insurance & Financial Services (WIFS) DFW – Veronica Bell . . . . . . . . (972) 774-0700 x123

OFFICERS DIRECTORS

Immediate Past PresidentJohn M. Connally, LUTCFFinancial Protection Corporation(972) 980-9600 phone(972) 980-8515 [email protected]

PresidentSteve Anderson, LUTCFMutual of Omaha Companies(972) 424-0484 x238 phone(972) 424-0307 [email protected]

President-ElectBeverly A. NormanAetna Small Group(469) 222-6055 phone(860) 754-1959 [email protected]

Professional DevelopmentShannon Birkes, AIFSecurian Retirement Distributors(866) 300-7541 x4 phone(651) 665-7342 [email protected]

Community RelationsChris RenfroCopeland Group USA(214) 385-0220 phone(972) 731-6701 [email protected]

Government RelationsGrover BrillhartARMOR Wealth Management(972) 980-9600 x217 phone(972) 980-8515 [email protected]

Planning & DevelopmentBrad W. Campbell, CLU, ChFC, CASLState Farm(214) 361-6500 phone(214) 363-7602 [email protected]

Membership InvolvementPat WilderConexis(214) 449-8964 [email protected]

MembershipLauren P. HaydenHayden Resources(214) 843-1448 phone(972) 503-2738 [email protected]

ProgramsCorey R. Pride, ChFC, CRPS, QPFCTransamerica Retirement Services(214) 334-7645 phone(888) 633-7834 [email protected]

Professional DesignationsJoseph R. Radovic, CLU, ChFC, CFPARMOR Wealth Management(469) 737-4052 phone(469) 737-4084 [email protected]

SecretaryLaura Biesemeyer, FLMISummit Alliance Financial(972) 884-6156 phone(972) 888-1614 [email protected]

Treasurer/Chief Investment OfficerMel Meyers, CLU, ChFC, AEPPenn Mutual(972) 980-8736 phone(972) 980-8515 [email protected]

National CommitteewomanTallie O. Young, RFC, LUTCFTallie O . Young & Associates(214) 420-0158 phone(214) 420-0174 [email protected]

Executive Vice PresidentKaren H. TrueNAIFA-Dallas(972) 991-2364 phone(972) 934-1217 [email protected]

2011-12 BOARD OF DIRECTORS

NAIFA-DALLAS STAFF(972) 991-2364 • Fax (972) 934-1217

Karen True, Executive Vice President . . . . . . . . . . . . . . . . . . . . . . . . . [email protected] Jones, Executive Administrative Assistant . . . . . . . . . . . . . . [email protected]

NAIFA-Texas TrusteeLane Boozer, LUTCFDon Boozer & Associates(940) 497-6500 phone(940) 497-6504 [email protected]


NAIFA-DALLAS PROGRAM

April 26, 2012 Prestonwood C.C.

11:30 a.m.

You are cordially invited to join us

as we announce and honor:2011 ADVISOR OF THE YEAR&

2011 O.C. JACKSON HALL OF FAME

Winners of the 2012-13 Board of Directors Election

will be announced.See page 9 for Official Ballot.

April Honor Agency is MassMutual – Pre-register and you will be seated at the

Honor Agency reserved table.

1-Hr CE Course Following 4/26 LuncheonSponsored by: MassMutual

To register, fill out the registration form on page 3 and fax to (972) 934-1217 or

register online at: naifadallas.org

Following NAIFA-Dallas Luncheon 1:30 - 2:30 pm • Prestonwood C.C.

15909 Preston Road • Dallas, TX 75248 1-Hour CE Course • FREE NAIFA-Dallas

Members / $25.00 Non-Members

Executive Bonus Plans: The Basics and More

COURSE DESCRIPTION: This presentation will focus first on what an executive bonus plan is, who can benefit from it and what value (advantages and disadvantages) does it hold for the employer and the employee . Furthermore, the tax consequences to both the employee and employer will be discussed . Finally, how to implement such a plan will be focused on for a time . The other part of the discussion will focus on the actual plan variations: the basic plan, the restrictive plans and finally, the leveraged plan . A great deal of detail will be spent on explaining why one would use which type of plan and what rights the employer and the employee have under each plan . Finally, if the leveraged plan is used, a discussion will evolve highlighting ways to use life insurance in the plan and the growth (if any) of certain life policies to help get out of the leverage plan with minimal tax problems .

MODERATOR: Al Jackson, CFP®, ChFC, CLU, CASL™, MSFS, MSM has over 40 years experience in financial planning, and has had extensive experience in all phases of designing, analyzing, and implementing financial strategies . As Director of Financial Planning, he is responsible for overseeing the overall operations of Allegiant Wealth Management’s planning activities and the quality of plans and advice . Al also acts as Financial Planning Specialist on specific cases, where he specializes in simplifying and presenting creative financial strategies to clients in a media that helps them to understand their alternatives and make important decisions regarding their futures .

SPONSOR: MassMutual 10000 N . Central Expressway, Suite 1200 Dallas, TX 75231972-348-6317 • [email protected]


President’s Message

The Power of TeamworkWhat really goes on behind the scenes at NAIFA-Dallas? It’s a question I get asked now and again. The answer I give is this: there is a lot more that goes into it besides getting ready for a luncheon . At the writing of this President’s Message (that is late to Karen’s desk again), here are a few of the things on our plate .

1 . Final preparations are being made for Race for CE at Lone Star Park which is only six weeks away (see pages 10-11) .

2 . The Texas Convention is in four months .

3 . The National Convention is in six months .

4 . Karen is just now returning from medical leave .

5 . The 2012-13 official ballot for NAIFA-Dallas Board of Directors is on page 9 . Please return your ballots by Friday, April 20th .

6 . Programs are being planned for 2013 and well beyond .

7 . A site has been chosen for the 2012 Golf Tournament. Plan to join us on Friday, October 12th at The Trails of Frisco .

8 . A membership retention drive has just begun .

9 . Agency presentations are being planned to gain membership and increase the awareness of the job being done .

10 . Political involvement efforts are being made to approach candidates to increase the exposure of NAIFA .

11 . Board Member Orientation Meetings are being planned .

12 . A slate of candidates is being prepared for Hall of Fame and Advisor of the Year .

13 . Efforts are being made to increase our PAC contributions from NAIFA-Dallas members .

14 . We are getting acclimated in our new office on the North Dallas Tollway .

15 . Dates for 2012-13 luncheons are being negotiated with Prestonwood Country Club .

16 . Board members are setting up CE classes and designation classes .

17 . Committees are meeting to redefine what Advisor of the Year and Hall of Fame should mean .

These are just things that are on the top of my mind . There are some other things that are being planned that I will be reminded of when this goes out, but the thing we all need to remember is that they are being done by about 15 people, 15 of the most dedicated volunteers I have ever been associated with – volunteers who all have very, very demanding paying jobs . They have jobs to attend to, but they have never disappointed you or the thousands of non-dues paying members that they also serve .

We have compensated them like we have our Board members and officers for the last 99 years . With thank yous and hugs . That is NAIFA- Dallas’ only currency . What an incredible job they do .

Steve Anderson, LUTCF

(972) 997-8220

ASSOCIATION

CALENDAR4/12 - 6/12

APRIL 20124/4 DAHU Annual Sales Symposium Maggiano’s NorthPark, 8:00 am-4:00 pm

4/6 FPA DFW Ballpark Event Rangers Ballpark, 9:00 am-1:00 pm

4/11 WIFS Luncheon Jiaan Powers, Teller & Teacher of Story Neiman Marcus Cafe 11:15 am-1:00 pm

4/18 Estate Planning Council N. TX Jim Turner Creative Uses of Life Insurance Southfork Hotel, 7:30-9:00 am

4/26 NAIFA-Dallas Luncheon Advisor of the Year and Hall of Fame CE: Executive Bonus Plans CE Sponsor: MassMutual

MAY 20125/11 NAIFA-Dallas Race for CE Lone Star Park (see pages 10-11)

5/16 Estate Planning Council N. TX Peter Phalon, Business Valuations Southfork Hotel, 7:30-9:00 am

5/22 DAHU SB79 Certification & Re-Certification Brookhaven Country Club 8:00 am-4:00 pm

5/24 FPA DFW Financial Planning Symposium Westin Galleria Dallas 7:00 am-4:30 pm

JUNE 20126/12 FPA DFW Chapter Meeting Crowne Plaza Hotel, Addison 10:30 am-2:00 pm

6/26 FPA DFW Fort Worth Chapter Meeting The Fort Worth Club, 12th floor 10:30 am-1:05 pm

6/28 NAIFA-Dallas Luncheon Celebration of Achievement Installation of 2012-13 NAIFA-Dallas Board of Directors

10/12 NAIFA-Dallas Golf Tournament The Trails of Frisco

S AV E T H E D A T E


2011-12 PRESIDENT’S CABINETSTEVE ANDERSON, LUTCF

Larry Anders, CLU

David Ayres, CLU

Fred Badyna, CLU, ChFC

Jerry W. Baker, CLU

Laura Biesemeyer, FLMI

David Blanchard, CLU, ChFC

Lane Boozer, LUTCF

Grover Brillhart

J.C. Bryan, CLU, LUTCF

Brad Campbell, CLU, ChFC, CASL

Cylinda Clark

Howard Cohen, CLU, CFS

Scott Cohen, CFP, CFS

John Connally, LUTCF

Jim Coyle, CLU, RHU, REBC

Tait Cruse, CLU

Christi Daughenbaugh, CLTC, CSA

John Davis, CLU

Scott Dial

Tom DuRoss

Kelly Earls, JD, CPA

Donna Thomas Edwards, LUTCF

Mike Evans, CLU, ChFC, LUTCF

Danny Fisher, CLU, ChFC

Randy Ford, CLU, ChFC

Kim Foster

Frank Frey, CLU, LUTCF

James Garner, CLU, ChFC

Andra Grava, CLU, RHU

Stephen Harris, CLU, ChFC

Chris Hatton

Todd Healy, CLU, ChFC, AEP

David Hogue, LUTCF, AAI

Garry Kinder

Gary Lewis

Lloyd Lowe, Sr.

Joseph Mahoney, CLU, ChFC

Lee McCasland, CLU, ChFC

Jay McCluskey, CLU, ChFC, MSFS, MBA

John McGrael, CLU, ChFC

Mel Meyers, CLU, ChFC, AEP

Yuka Nakahara-Goven, CLU, MBA

Beverly Norman

John Norman, CLU, ChFC

Corey Pride, ChFC, CRPS, QPFC

Joe Radovic, CLU, ChFC, CFP

Neil Riddick

Lee Ripley

Kathy Smith

Kate Sudol

Ted Troy, CLU

Burl Wood, CLU, ChFC

Tallie O. Young, RFC, LUTCF

(at press time)

HARTFORD LIFE ADFor insertion in NAIFA FAN publication

1/4 page vertical (2.25” x 8”)

Full Color adfor electronic issues

Black & White adfor printed issues

Through its unique focus on customer needs, The Hartford serves businesses and consumers by providing the products and solutions they need to protect their assets and income from risks and manage their wealth and retirement needs.

The Hartford offers:• Competitivelifeinsuranceproductsthat

feature competitive death benefit protection and innovative supplemental options for personalized coverage of individual needs

• Innovativeproductridersdesignedtoprovidepolicyholders with the flexibility they deserve from their life insurance product

• Fair,progressive,relationship-basedunderwriting approach

• Underwritingprogramsthatcreate,notlimit,opportunities like offering standard risk class life insurance for qualified breast and prostate cancer survivors

• $20millionunderwritingretentionandautomaticbindingcapabilityupto$65millionJumbolimit

• Advancedcasedesignsupport

• CapabilitytoconsiderForeignNationalsonaPreferred basis

Ifyouthinkyourbusinesscouldbenefitbyworkingwith The Hartford’s innovative products and proven distribution model, give us a call today to learn more:

Through its unique focus on customer needs, The Hartford serves businesses and consumers by providing the products and solutions they need to protect their assets and income from risks and manage their wealth and retirement needs.

The Hartford offers:• Competitivelifeinsuranceproductsthat

feature competitive death benefit protection and innovative supplemental options for personalized coverage of individual needs

• Innovativeproductridersdesignedtoprovidepolicyholders with the flexibility they deserve from their life insurance product

• Fair,progressive,relationship-basedunderwriting approach

• Underwritingprogramsthatcreate,notlimit,opportunities like offering standard risk class life insurance for qualified breast and prostate cancer survivors

• $20millionunderwritingretentionandautomaticbindingcapabilityupto$65millionJumbolimit

• Advancedcasedesignsupport

• CapabilitytoconsiderForeignNationalsonaPreferred basis

Ifyouthinkyourbusinesscouldbenefitbyworkingwith The Hartford’s innovative products and proven distribution model, give us a call today to learn more:

Brian Haselden Account Executive | Cell: 214-605-9590

[email protected]

Robin Whetstone Account Executive | Cell: 972-742-5536

[email protected]

5605 N. MacArthur Blvd. #550 | Irving, TX 75038

Brian Haselden Account Executive | Cell: 214-605-9590

[email protected]

Robin Whetstone Account Executive | Cell: 972-742-5536

[email protected]

5605 N. MacArthur Blvd. #550 | Irving, TX 75038Life insurance policies contain fees and expenses, including cost of insurance, administrative fees, premium loads, surrender charges and other charges or fees that will impact policy values.

“TheHartford”isTheHartfordFinancialServicesGroup,Inc.anditssubsidiaries,including the issuing companies of Hartford LifeInsuranceCompany(NewYork)andHartfordLifeandAnnuityInsuranceCompany(outsideNewYork),Simsbury,CT.ThemailingaddressforbothissuersisP.O.Box2999,Hartford,CT06104-2999.LIF1040882/11

Life insurance policies contain fees and expenses, including cost of insurance, administrative fees, premium loads, surrender charges and other charges or fees that will impact policy values.

“TheHartford”isTheHartfordFinancialServicesGroup,Inc.anditssubsidiaries,including the issuing companies of Hartford LifeInsuranceCompany(NewYork)andHartfordLifeandAnnuityInsuranceCompany(outsideNewYork),Simsbury,CT.ThemailingaddressforbothissuersisP.O.Box2999,Hartford,CT06104-2999.LIF1040882/11

With The Hartford Behind You, Achieve What’s Ahead of YouSM

With The Hartford Behind You, Achieve What’s Ahead of YouSM

2012-13 NAIFA-Dallas

Official Board Ballot See page 9 ➔

THE FINANCIAL ADVISOR NEWS OF NAIFA-DALLAS 4/12

Sometimes it’s not who’s in front of you, it’s who’s behind you.

MEDICARE SUPPLEMENT

LIFE INSURANCE

LONG-TERM CARE

DISABILITY INCOME

ANNUITIES

Insurance products and services are offered by Mutual of Omaha Insurance Company or one of its affiliates. Products not available in all states. Each company is solely responsible for its own contractual and financial obligations. For producer use only.AFN43321

Strong. Stable. Secure.

WELCOME NEW MEMBERS

SAROSH HAVEWALA State Farm

DAVID LINDSEY Innovative Health Insurance

DAVID LOERWALD State Farm

IT’S SMART TO BELONG!

NAIFA Member Benefits Information and Casual Networking

Lauren Hayden – Membership Director

NAIFA MEMBER BENEFITS ORIENTATION

The Egg and I Restaurant 15203 Knoll Trail Drive #103, Dallas, TX 75248

8:00-9:00 a.m.

Friday, April 13, 2012 Friday, May 4, 2012 Friday, Jun 1, 2012

Note: Breakfast or coffee expenses are not covered.

Please RSVP to Lauren Hayden at [email protected] by 5 pm on the Wednesday prior.

THE FINANCIAL ADVISOR NEWS OF NAIFA-DALLAS 4/12 PAGE 9

2012-2013 OFFICIAL BALLOT

NAIFA-DALLAS BOARD OF DIRECTORSVOTE FOR FIVE (5) AND ONLY FIVE (5) • ANY MORE OR LESS WILL INVALIDATE BALLOT

BALLOT MUST ARRIVE IN NAIFA-DALLAS OFFICE BY FRIDAY, APRIL 20, 2012.

■ Entered the business in 1998■ Borden Hamman Agency■ NAIFA member since 2004■ Member, NAIFA-Dallas President’s Cabinet■ Attendee, NAIFA National Conventions, 2009, 2010, 2011■ Chairman of the Board, National Association of

Independent Life Brokerage Agencies (NAILBA), 2011■ Board of Directors, Executive Committee, NAILBA,

2005-present■ Chaired development of NAILBA University, 2004-2005

■ Entered the business in 2003■ MassMutual■ NAIFA member since 1999■ Managing Partner, Allegiant Wealth Management■ Member, Financial Planning Association (FPA)■ Steering Committee, Tennessee American Business Ethics

Award for SFSP■ Participant, Susan G . Komen Race for Cure,

2010, 2011, 2012■ Volunteer, St . Jude, 2011

■ Entered the business in 2003■ Mutual of Omaha■ NAIFA member since 2007■ Member, Flower Mound Park Board & Planning and Zoning Board, 1998-2010■ Member, Dallas Christian Jazz Band, 1997-present■ Founding Member and Current Board Member of Kleine Blasmusik German Band,

2001-present■ Past Board Member and State Leader in an International Fraternal organization,

2006-present■ Past President and Officer, Shrine Association of Drum Corps of N . America, 1995-2000

■ Entered the business in 1995■ ARMOR Wealth Management/Penn Mutual■ NAIFA member since 1997■ Graduate, Leadership in Life Institute (LILI), 2007■ Director, NAIFA-Dallas Government Relations, 2010-2012■ Past President, Dallas Business Association■ Outstanding Role Model & Volunteer, Wylie ISD, 1999■ High School Youth Sponsor at church, 23 years

■ Entered the business in 1989■ Insurmed Services■ NAIFA member since 1994■ Bilingual Certified Medical Assistant■ Member, NAIFA-Dallas Bowling Bash Committee, 2012■ Director, NAIFA-Dallas Planning & Development

Committee, 2009-10 & 2010-11■ Member, NAIFA-Dallas Casino Committee, 2008-09■ Member, NAIFA-Dallas Legislative Committee, 2007-08

■ Entered the business in 1992■ Prescott Pailet Benefits■ NAIFA member since 2009■ Member, NAIFA-Dallas Casino Night Committee, 2010■ Chair, Dallas Hebrew Free Loan Association Investment Committee,

2009-12■ Board Member, Dallas Hebrew Free Loan Association, 2009-present■ Long Term Care Buyer’s Advocate-Texas, 2001-2006■ Coach, Youth Girl’s Basketball and Softball

■ Entered the business in 1990■ Stanwix Insurance and Benefits■ NAIFA member since 1991■ Co-chair, NAIFA-Dallas Bowling Bash, 2012■ Graduate, Leadership in Life Institute (LILI), 2010■ Director, NAIFA-Dallas Health & Employee Benefits,

2010-11■ Director, NAIFA-Dallas Government Relations, 2009-10■ Member, NAIFA-Dallas Bowling Bash Committee, 2010-11

■ Entered the business in 2011■ ExamOne■ NAIFA member since 2011■ Member, NAIFA-Dallas Bowling Bash Committee, 2011-12■ Graduate, University of Southern Mississippi, 2011■ Member, Chi Omega Sorority, University of S . Mississippi■ Community Service Chair, Chi Omega Sorority, 2010-2011■ Member, America’s Marketing Association, University of

Southern Mississippi, 2011

❑ CHRISTI M. DAUGHENBAUGH

❑ Jason R. Bach, CFP

❑ Karl A. Drescher, Jr., FSS

❑ Grover C. Brillhart, II

❑ Claudia Foraker, NRCMA

❑ Jeff Derdiger, CLTC

❑ Cheri C. Stanwix

❑ Ericka Upton

INSTRUCTIONS: Print this page. Mark five and only five (any more or less will invalidate ballot). Then submit by: (1) Fax to: 972-934-1217 or (2) Scan and email to: memberservices@naifadallas .org

or (3) Mail to: NAIFA-Dallas, 16990 Dallas Parkway #212, Dallas, TX 75248BALLOT MUST ARRIVE IN NAIFA-DALLAS OFFICE BY FRIDAY, APRIL 20, 2012.


RACE FOR CE • May 11, 2012TOPICS & SPEAKERS (TENTATIVE AS OF APRIL 1, 2012)

TITLE SPONSORS: Ameritas/Union Central • Lincoln Financial Advisors • SecurianNAIFA-Dallas and our Title Sponsors are proud to present:

TITLE/TOPIC CE HRS SPEAKER SPONSORMaking It Easier to Write DI 1 Andra Grava, CLU, RHU Ameritas/Union CentralTop 11 Disability Insurance Mistakes** 1 Jim Coyle, CLU, RHU, REBC Ameritas/Union CentralSplit Dollar Alternatives to 409A Plans 1 Ken Winnebrenner, CLU Lincoln Financial Advisors25 Common Annuity Planning Mistakes 1 Jim Wallander, MBA Lincoln Financial AdvisorsFee Disclosure Regulations – 401(k) 1 Shannon Birkes, AIF Securian Retirement DistributorsHow to Structure Annuities to Meet Client’s Goals 1 Mike Anderson Securian Retirement DistributorsTexas Regulations & Ethics** (extra fee) 2 Dan Anderson NAIFA-DallasCase Studies in Business Insurance 1 Joe Chenoweth, CLU, ChFC, AEP ARMOR Wealth ManagementGreatest Gifting Opportunity in History 1 Joe Chenoweth, CLU, ChFC, AEP ARMOR Wealth ManagementSecondary Market for Life Insurance 2* Peter Hershon CoventryTaxation of Life Insurance 2 Jason Bach, CFP MassMutualMaximizing Wealth Transfer Using Innovative Trusts 1 Andrew Rinn, JD, CFP, CLU, ChFC MetLife InvestorsEstate Freezing Techniques 1 Andrew Rinn, JD, CFP, CLU, ChFC MetLife InvestorsChoices in Paying for LTC Benefits 1 Roger Cantu, Jr . OneAmericaSingle Premium Methods to Provide LTC Protection 1 Roger Cantu, Jr . OneAmericaLong Term Care Insurance 2* Steve Krusemark State FarmLegacy Planning in a Changing Tax Environment 1 Jeff McClendon Transamerica Life Insurance CompanyGift & Estate Planning for Foreign Nationals** 1 Michael Thaxton Transamerica Life Insurance CompanyHealth Care Reform 1 Mike Smith, LTCP The Brokerage, Inc .Disability Insurance 1 Tom Helbing Disability Insurance ServicesReverse Mortgage 1 Scott Norman MetLife BankCombination Disability Updates 1 Tom DuRoss The Plus Group

*same 1-hour class presented twice **back by popular demand


RACE FOR CE SPONSORS

TITLE SPONSORS:

(committed at press time)

PLATINUM SPONSORS:ARMOR Wealth Management

CoventryMassMutual

MetLife InvestorsOneAmericaState Farm

Transamerica Life Insurance Company

GOLD SPONSORS:The Brokerage, Inc.

Disability Insurance ServicesMetLife Bank

The Plus Group

SILVER SPONSORS:Accountable AgingAetna Small GroupAssurant Health

Bob Nelson & AssociatesEMSIING

Ohio National Financial ServicesPenn Mutual

Silverado At HomeSummit Alliance Financial

Transamerica Employee BenefitsUnibind

Waddell & Reed

RACE FOR CE EARLY BIRD REGISTRATION

MAIL TO: NAIFA–Dallas, 16990 Dallas Parkway, Suite 212, Dallas, Texas 75248 with check payable to NAIFA-Dallas OR FAX: (972) 934-1217 OR EMAIL: [email protected]

OR ONLINE: www.naifadallas.org and charge to VISA, MC, AMEX

Credit Card # ______________________ Exp. ___ /___ Security Code _____ Billing Zip Code ___________

Name ____________________________________ Company __________________________________

Address _____________________________________________________________________________

TDI License # ___________________ Local Association ______________________________________

Phone ___________________ Fax ___________________ Email ______________________________

___ Member tickets to Race @ $90.00 + ___ Member tickets to Ethics Class @ $25.00 = $________

___ Non-Member tickets to Race @ $135.00 +___ Non-Member tickets to Ethics Class @ $45.00 = $________

Block Tickets ❑ 10 tickets = $850.00 ❑ 15 tickets = $1,200.00

❑ Yes, I am staying for dinner. ❑ Yes, I will have a guest for dinner.

Name of guest: __________________________________________________________________________

No refunds unless 48-hour written cancellation notice is given by 8 a.m. on May 9, 2012

NAIFA-Dallas & TITLE SPONSORSpresent

10th Annual Race for CEFriday, May 11, 2012 | Lone Star Park

Registration: 8 am | Classes: 9 am - 4:50 pm Evening of Racing: 5 - 11 pm

+ Up to 28 BASIC & ADVANCED Sessions+ 6 Hours of Continuing Education (CE)+ Optional 2-Hour State Required Ethics Course+ Industry Trade Show with PRIZES (including a pair of 2012 Dallas Cowboys Tickets)+ Continental Breakfast, Buffet Lunch & Refreshments+ FOR YOU AND YOUR GUEST: Free Parking, Buffet Dinner & Reserved Indoor Seating for Horse Races

Early Bird SPECIAL (Early Bird extended to 4/26!)

TOTAL PRICE = $90, Your Ticket Value = $264

NAIFA / FPA / NAHU / SFSP / WIFS Members Non-MembersEarly Birds (by 4/26/12) $90.00 $135.00Procrastinators (4/27/12 - 5/9/12) $115.00 $155.00At the Door (5/11/12) $130.00 $180.00Block Tickets (Agency) 10 = $850 ($900 Value) 15 = $1,200 ($1,350 Value) + Extra for Ethics Class $25.00 $45.00


dObDWIGHT OTTO BROKERAGE

Quality Products fromQuality Companies

Featuring:

LIFE, DISABILITY INCOME, ANNUITIES, ANDLONG TERM CARE

INSURANCE

Dwight R. Otto, CLU, ChFC4919 W Lovers Lane

Dallas, TX 75209T 214.350.4455F 214.350.9492

Member ofThe Argyle Group, Inc.Altoona, Chicago, Cleveland, Dallas,Detroit, Houston, Memphis, Miami,

New York, San Diego, San Francisco

Thinking about selling your practice? Worried about the care of your clients?

We understand that you have worked hard to build your business and because of that you have also spent time building relationships with your clients. As you move toward retiring from full-time investment advising you will want to protect your clients.

We are a Dallas based advisory firm, in our 20th year of successful operation. Our founder has seven Top of the Table awards and our firm has multiple industry accolades. We would be excited to come beside you and work through a transition of clients under our management. We have experience in acquisition of firms and excellent client retention. As you look for someone to help you during this time in your life transition, please remember to look at Tenure, Training, and Track record. Our firm will provide all three of these important elements to your clients.

To find out if we can be a solution for you please contact our representative: [email protected]

2012 NAIFA-DALLASMEMBERSHIP DIRECTORY

CHANGE FORM

Your association is working on the upcoming 2012 NAIFA-Dallas Membership Directory which will be mailed with June issue of the Financial Advisor News. We want to include your most up-to-date information in the directory . If any of your contact information has changed, please take a moment to fill out the form below and return it to our office .

Please return by fax, email or mail. Fax: 972-934-1217

Email: memberservices@naifadallas .org Mail to: NAIFA-Dallas

16990 Dallas Parkway, Suite 212, Dallas, TX 75248

Name: ___________________________ Company: ____________________________

Address: _______________________________________________________________

City: _______________________________ State: _________ Zip; _______________

Phone: ______________________________ Fax: ______________________________

Email: ________________________________________________________________

16990 Dallas Parkway #212 | Dallas, Texas 75248 | 972-991-2364 | Fax 972-934-1217

www.naifadallas.org

2012 MeMbership Directory


THANK YOU TO OUR MARCH

EXHIBITOR AND CE SPONSOR:

Laura L. Biesemeyer 972-884-6156

[email protected]

BOB NELSON & ASSOCIATES

Bob Nelson972-238-7411

[email protected]

APIC Influence Training Meeting ReportSteve Harris, CLU, ChFC – Membership Director

I was honored to be invited to attend an APIC Influence Training Meeting in Washington, DC March 19th and 20th. Texas was well represented by:

Jason B. Talley, NAIFA Texas Government Relations Chair, NAIFA-San AntonioSteve Harris, NAIFA-DallasSteve Aycock, NAIFA-AustinMonte Ferguson, NAIFA-Fort WorthColin Eddington, NAIFA-HoustonWesley McNight, NAIFA-Piney WoodsEdward Portillo, NAIFA-El PasoAlan Kifer, NAIFA-Houston

Before going to Capitol Hill on Tuesday to meet with Texas Congressmen and Senators, the 50 NAIFA members from around the country in attendance were updated Monday afternoon on the challenges facing our industry and the political environment . Magenta Ishak, Michael Steadman, Diane Boyle, Matthew Laptew, Jill Hoffman, Laura DeGolier and Lillian Vogl all provided up-to-date information .

It is always amazing to me what the NAIFA staff is able to keep up with when you think of all the legislation that they have to peruse and the 535 elected members of Congress they have to keep tabs on . If every member of NAIFA and every non-member licensed agent could see how hard our NAIFA staff in DC works to protect this industry, they would have no problem paying the dues and think what a bargain they were getting!

Pat Raffaniello, who is one of NAIFA’s in-town attorneys, provided a fascinating insight into the political situation during a 30-minute presentation followed by a question and answer session .

On Tuesday morning just prior to our send-off to The Hill, we were treated to a 2-hour presentation by Van Mueller . Van’s presentation focused on the financial issues facing this country . He reminded us very simply and elegantly how our products are well-positioned to enable our clients to weather any future financial storms . As he said, life insurance companies were built just for that purpose. We were all energized to go to The Hill and tell the story of how our products are the solutions to many of the problems our clients face .

L to R: Jason Talley; Claire Sanderson, Legislative Correspondent, Senator John Cornyn’s Office; Steve Aycock, NAIFA Austin; Colin Eddington, NAIFA-Houston; Steve Harris, NAIFA-Dallas;

Wesley McNight, NAIFA-Piney Woods

L to R: (top row) Jason Talley; Mike Steadman; Colin Eddington; Steve Harris; (bottom row) Wesley

McNight; Alan Kifer; Steve Aycock

L to R: Steve Aycock; Colin Eddington; Robert Cousins, Legislative Assistant, Congressman

Pete Sessions; Steve Harris; Wesley McNight


I woke up early today, excited over all I get to do before the clock strikes midnight. I have responsibilities to fulfill today.

I am important. My job is to choose what kind of day I am going to have.

Today I can complain because the weather is rainy or... I can be thankful that the grass is getting watered for free.

Today I can feel sad that I don't have more money or... I can be glad that my finances encourage me to plan my purchases wisely and guide me away from waste.

Today I can grumble about my health or... I can rejoice that I’m alive.

Today I can lament over all that my parents didn’t give me when I was growing up or... I can feel grateful that they allowed me to be born.

Today I can cry because roses have thorns or... I can celebrate that thorns have roses.

Today I can mourn my lack of friends or... I can excitedly embark upon a quest to discover new relationships.

Today I can whine because I have to go to work or... I can shout for joy because I have a job to do.

Today I can complain because I have to go to school or... eagerly open my mind and fill it with rich new tidbits of knowledge.

Today I can murmur dejectedly because I have to do housework or... I can feel honored because the Lord has provided shelter for my mind, body and soul.

Today stretches ahead of me, waiting to be shaped. And here I am, the sculptor who gets to do the shaping.

What today will be like is up to me. I get to choose what kind of day I will have!

Have a great day... unless you have other plans.

– Anonymous

The Sculptor’s AttitudeEditor’s Note: I am returning from medical leave with a cured diagnosis and an attitude of gratitude. Thank you for all your thoughts, prayers, flowers, food, gifts and visits.

K A R E N ’ S ORNER Karen H. True

Plans are administered by Starmark and stop-loss insurance is provided by Trustmark Life Insurance Company, Lake Forest, IL. T50011-SF02

P E R S O N A L . F L E x i b L E . T R u S T E d .

Open the doorto new opportunitiesStarmark HealthyEdgeSM self-funded plan designs with stop-loss insurance can be a great way to open the door to clients who are looking for new ways to control costs.

Contact me to learn more today!

Heath Drulman 800.887.5567 x6018 www.starmarkinc.com

Administrative Professionals Day

Wednesday, april 25, 2012


Claudia Foraker • 972-404-8113 [email protected]

Tom Helbing • 972-795-5813 [email protected]

Lee Ripley • 817-417-2189 [email protected]

Mick Koffend, MBA, CPA, RFG • 214-206-1696 [email protected]

David Robertson • 214-551-9848 [email protected]

Richard Reyes • 214-412-8218 [email protected]

John Davis Sr., CLU • 214-696-9756 [email protected]

Tom Rutledge, CLU, ChFC • 469-586-1038 [email protected]

Brad Campbell, CLU, ChFC, CASL • [email protected]

Mitch Monis • 817-716-3072 [email protected]

Lloyd Lowe, Sr. • 972-335-2523 [email protected]

BOB NELSON & ASSOCIATES

Bob Nelson • 972-238-7411 [email protected]

MARC FRIEDLAND PHOTOGRAPHY

Marc Friedland • 469-223-7766 www.marfriedlandphoto.com

Mike Smith, LTCP • 800-442-4915 [email protected]

Pat Wilder • 214-449-8964 [email protected]

Bob Benson • [email protected]

Dwight Otto, CLU, ChFC • 214-350-4455 [email protected]

Eli Reifer • 214-373-1921 [email protected]

Danny Fisher, CLU, ChFC • 972-238-1450 [email protected]

Wade Yeaman • 214-725-6643 [email protected]

Scott Dial • 214-346-0985 [email protected]

Andra Grava, CLU, RHU • 972-774-9663 [email protected]

Ken Hopkins • 214-526-3335 [email protected]

Kevin Olson • 214-592-3571 [email protected]

dObDWIGHT OTTO BROKERAGE

Quality Products fromQuality Companies

Featuring:

LIFE, DISABILITY INCOME, ANNUITIES, ANDLONG TERM CARE

INSURANCE

Dwight R. Otto, CLU, ChFC4919 W Lovers Lane

Dallas, TX 75209T 214.350.4455F 214.350.9492

Member ofThe Argyle Group, Inc.Altoona, Chicago, Cleveland, Dallas,Detroit, Houston, Memphis, Miami,

New York, San Diego, San Francisco

Denise Bryant • [email protected]

Natalie Malloy • [email protected]

Tony Dillard • [email protected]

THANK YOU TO OUR 2011-12 SPONSORS & EXHIBITORS:

Heath Drulman • 800-887-5567 [email protected]

Steve Anderson, LUTCF • 972-424-0484 [email protected]

Kim Foster • 972-960-8718 [email protected]

Reed Schnittker • 972-943-9999 [email protected]

Kathy & Mark Rice • 972-997-8220 [email protected]

Mike Matlock • [email protected]

Joseph R. Radovic, CLU, ChFC, CFP • 469-737-4000 [email protected]

Bill Brooks, RHU • 214-891-2322 [email protected]

Daniel Wray • [email protected]

David E. Ayres, CLU • 972-980-9600 [email protected]

Laura L. Biesemeyer • 972-884-6156 [email protected]

Mark Ross • 214-538-1909 [email protected]

Mark Koskovich, CLU • 972-774-2019 [email protected]

Insurmed Services

Brett Collins • [email protected]

Dave Reynolds • [email protected]

Tom Brown • 866-601-8854 [email protected]

Joe Aitro • 203-272-2660 [email protected]

Mike Chapman • phone [email protected]

Peter Hershon • 877-836-8300 [email protected]

Shannon Birkes, AIF® • [email protected]

Scott Hoke, CLU, ChFC • [email protected]

Roger Cantu • [email protected]

Marna Edenson • 214-615-5268 [email protected]

Michael Anderson • 214-784-4743 [email protected]

Jenny Madden • 972-837-8227 [email protected]

Thomas Mahony, CLU, LUTCF • 817-600-4713 [email protected]

Jim Dingemanse • [email protected]

Tyler Randall • 512-636-3973 [email protected]

Chris Renfro • 214-385-0220 [email protected]

For more information contact:

Bob Bowsher, CLU, ChFCBrokerage Director15851 Dallas Parkway, Suite 1000Dallas, TX 75001Phone: 214-883-7426Email: rbowsher@fi nsvcs.comWebsite: www.stevensfi ancialgroup.com

Stevens Financial Group

We know brokerageFrom Best Class to High Risk, your business is our expertise.

LIFE INSURANCE • DISABILITY INCOME INSURANCE • LONG TERM CARE INSURANCE

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. Insurance products issued by MassMutual, 1295 State Street, Springfield, MA 01111-0001 and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company, 100 Bright Meadow Blvd., Enfield, CT 06082. *The MassMutual Trust Company, FSB is a wholly owned stock subsidiary of MassMutual. CRN201112-127786

Submit your next case to us, and find out what we have to offer…

COMPETITIVE PRODUCTSLife Insurance• A Broad Portfolio of Life Insurance

Products - UL, Whole Life, Term Life and Survivorship

Disability Income Insurance• BOE and Buy-Sell• Multi-Life or Individual DI Insurance • Own Occupation Protection• Protect ability to save for retirement

Long Term Care Insurance• From a Company that’s in the business for

the long term• Reimbursement or Indemnity Policies

SERVICE YOU DESERVEEstate Analysis & Business PlanningMassMutual Retirement ServicesThe MassMutual Trust Company, FSB*

Jason Bach • 972-348-6317 [email protected]

Aaron Roby • 214-325-7379 [email protected]

Standing Amongthe Best in the DI Business.

Union Central’s DI and BOE products and service stand among the best. In 2011, two new names are joining this proud tradition.

Union Central’s affi liated insurers – Ameritas Life Insurance Corp., founded in 1887, and its subsidiary, Ameritas Life Insurance Corp. of New York – will begin issuing all new DI and BOE policies within UNIFI Companies, while Union Central services its in-force policies.

The things you value most will remain unchanged in this transition.

• The great team of professionals you work with will remain unchanged.

• The great key competitive features you rely on will remain unchanged.

• All in-force Union Central DI and BOE policies will remain unchanged.

Get the features and service your clients want, from the team you trust... as always. Call us today.

As of 10/1/11, Disability Income (DI) and Business Overhead Expense (BOE) Insurance (Forms U4501 NC, U4502 GR, and UC 4403 S) is still issued by The Union Central Life Insurance Company (Union Central Life) in approved states outside New York. Late 2011, pending state approvals, Ameritas Life Insurance Corp. will begin issuing DI and BOE insurance in approved states outside New York. Transition dates and new form numbers will be announced upon fi nal approval by the states. Ameritas Life Insurance Corp. of New York is now issuing DI and BOE insurance within New York.

This information is provided by The Union Central Life Insurance Company, Ameritas Life Insurance Corp. and Ameritas Life Insurance Corp. of New York, each a UNIFI® Company. Ameritas Life Insurance Corp. is not licensed in the state of New York. Each company is solely responsible for its own fi nancial condition and contractual obligations. For more information about UNIFI® Companies, visit UNIFIcompanies.com.

For Producer use only. Not for use with clients.

A. Andra Grava, CLU, RHU General Agent/Branch [email protected]

Jim Coyle, CLU, RHU, REBC [email protected]

The DI Center17000 Dallas Parkway, Suite 226Dallas, TX 75248

972-774-9663972-774-1792 Fax888-735-5825 Toll-freewww.TheDICenter.com

UNIFI® is a registered service mark of UNIFI Mutual Holding Company.© 2011 UNIFI Mutual Holding Company

DST 1586 VF 10/11

april 26, 2012 we invite you to join us as we announce and ... · refer to overhead expense policy...

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