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

March 2013

Marketing Content ManagerChristie Gibson

EditorRoberta Boyd King

Assistant Editor/Staff PhotographerBrittany Feagans

Senior Staff WriterKatrina Kotzen

Graphic DesignerJohn Begg

E-maileditor@torchmarkcorp.com to update information in Summit

Home Office First UA972-529-5085 315-451-2544

Agent Service Center 800-925-7355 or e-mail agencyservice@torchmarkcorp.com

Supply Order Fax469-525-4290 attn: agency supply

Supply Order E-mailagentsupply@torchmarkcorp.com

Websites unitedamerican.com unitedamerican.com/logon firstunitedamerican.com firstunitedamerican.com/office www.torchmarkconvention.com

Published regularly by United American and First United American Life Insurance Companies for the dissemination of information to their Agents. Prior permission must be obtained from the Home Office for reproduction or other use of material herein.

ATTN UA AGENTS: IN, LA, MD, WAUnited American has received 2013 rate approval for ProCare Medicare Supplements A, B, C, D, F, HDF, G, K, L, and N in Indiana, Louisiana, Maryland, and Washington. (Not all plans are approved for sale in all states listed, so check your state’s Compliance Sheet on the Agent website.)

Plan HDF rates have decreased by 10 percent in all states listed where HDF is approved.

Rates on other plans have not changed but may have a slight increase in the quarterly or monthly premiums due to a new premium modalization rule.

The new business and renewal effective date was March 15, 2013.

Detailed rate cards with all plans, rates, and pay modes are available for download on the Agent website. Contact Agency Service at 1-800-925-7355, or e-mail agencyservice@torchmarkcorp.com with questions.

CONGRATULATIONS TO JANUARY GARMIN GPS WINNER RICHARD SAKHAROFF

“For the better part of almost 40 years in the insurance industry, I always held United American in my highest regard. It was always UA that commanded my greatest respect, as it was always my toughest competitor. Over the years, I watched my friends and former colleagues build a lifetime

of renewals with UA. It wasn’t until my retirement I thought ‘if you can’t beat’em, join’em!’ I made a call to the UA Home Office in Feb. 2012, and asked to speak directly with Chuck Mankamyer. Chuck took the time to listen and directed me to Ryan Sykes to arrange contracting of my Agency. Taking the plunge and jumping aboard UA was one of the smartest business decisions I had made in years. UA’s product line, Home Office support, and competitive rates are an Insurance Agent’s dream!”

INTEREST RATES SETThe Lifestyle Annuity rate for March 2013 is 3.00 percent. Rates are reviewed and adjusted accordingly.

The Deposit Fund Rider new business interest rate for 2013 is 3.00 percent.

ATTN UA AGENTS: CA, HI, NV, TN, VAUnited American has received approval for the $3,000 Accidental Death Policy (ADP) in California, Hawaii, Nevada, Tennessee, and Virginia. With the ADP, there is no premium due until the end of the first policy year. At that time, the policyholder pays a $10 premium to renew the policy for another year. This product enables Agents to offer valuable protection to their customers and help gain referrals. Download the Marketplace Bulletin for the ADP and take Brainshark online training (available 24/7) on the Agent website. There are no commissions paid for the ADP.

ATTN: ALL UA AGENTSNew editable reply cards have been designed to use as inserts with UA’s Turning 65 birthday letter. There are two designs from which Agents can choose. The cards have been approved for advertising in every state. Check them out in the UA AdCatalog!

WORDS OF WISDOM“It is easy to be pleasant when life flows by like a song, but the man worth while is the one who will smile when everything goes dead wrong. For the test of the heart is trouble, and it always comes with years, and the smile that is worth the praises of earth is the smile that shines through the tears.”

Irish Sayings

2 MARCH 2013

Charles Mankamyer Senior Vice President / General Agents

I love that Irish expression! It’s so positive and upbeat. You’ve probably heard another old Irish expression, “There’s a pot of gold at the end of the rainbow.” Well, its validity is somewhat doubtful, but whether you take it literally or as a metaphor, it’s appropriate for what you can anticipate with Medicare Supplement sales.

There is a pot of gold at the end of the rainbow … the Senior rainbow. The prospect base for Medicare Supplement sales is great. With 10,000 people turning 65 every day in this country and becoming eligible for Medicare and a Medicare Supplement, your pot of gold should be full for many years to come.

But you can find your pot of gold in other places too! Both Seniors and those under age 65 are deeply concerned about the future of their healthcare, because both the immediate and long-term ramifications of the Affordable Care Act (ACA) are still unknown. Will the cutbacks in Medicare be substantial? Will the Part A deductible and Part B annual premium skyrocket in the coming years? A Medicare Supplement from UA or First UA can help alleviate some of those concerns.

Under 65 Market Will employers for those under age 65 continue to offer employer-sponsored health coverage? Will their premiums skyrocket too? Will their deductibles, copayments, and coinsurance go through the roof? You can help provide a solution to some of these concerns with the Foundation Signature Series (MMGAP). This policy gives you a great reason to prospect group major medical policyholders, whom you may not have approached in the past. See page 5 for details.

Due to the unknowns related to the ACA, I believe the need for supplemental accident and health products will continue to increase in the years ahead, dramatically boosting the potential of the under age 65 market. But how do you take advantage of the amazing potential that’s available to you for both Seniors and under age 65? You increase your Agency’s ability to produce by vigorously recruiting and providing the highest quality leads available to those producers. My team and I will be on the road a lot in the coming months with live recruiting and training seminars to provide you the help you need to contract the best new Agents.

LeadsI believe a steady flow of high-quality leads can help attract and retain high-quality Agents. Nothing is more attractive to a potential recruit than a contract that potentially provides a neverending supply of quality leads. I believe UA’s lead contract is one of the best in the industry, because it can do just that. Fifteen percent of an Agent’s Net Annualized Issued Premium (NAIP) for health sales and 10 percent of their NAIP for life sales is put into a lead account from which funds can be withdrawn to order leads. There is a list of approved vendors on the Agent website and a PDF for download that provides a full explanation of the features and value of the lead program. We'll have more in a future issue of Summit about the importance of the lead contract and how it works to your advantage.

Final Expense Mailer Kramer Direct, one of our approved lead vendors, is offering a new Final Expense direct lead mailer. According to Kramer, when tested, the mailer drew double the response of traditional Final Expense mailers. A double response means your lead costs can be cut in half. If you want to increase your life sales, this could be the way to do it. Go to www.kramerdirect.com to learn more about this mailer and the many others Kramer Direct offers.

I’m excited by what I see already in 2013. Your enthusiasm for UA and First UA products confirms for me that 2013 has the potential to be outstanding for all of us. I look forward to seeing you at a seminar in the coming months and at The Roosevelt New Orleans in 2014 for Convention.

Top of the Morning to Ya!

There is a pot of gold at the end of the rainbow … the Senior rainbow.

MARCH 2013 3

Welcome to

We’re lucky You joined Us!

United AmericAnAdair, RonAgee, Royce BunsenAguirre, JoeAkasaka, Richard M.Alexander, DaonnAlison, DavidAllen, David A.Allen, Keith S.Allison, Kathleen R.Bailey II, William LynnBall, Roger D.Barkdull, Olin KeithBarnett, Danny S.Bearden, Bobby D.Belmont Capital AdvisorsBelvin, Larry AlanBerman, Jeffrey A.Beyer, John A.Bishop, Robert A.Blythe, PaulBoalch, Carmen F.Boniface, ShirleyBoston, William OwenBowen, JohnBowers, James J.Boyd, ErvellBrady, TracyBrown Jr., Robert L.Brown, Chelsea D.Bryant, GaryBuchanan, Brady L.Burk, Micheal D.Byrd, Dorothy DaleCag InsuranceCales Insurance, Inc.Carnes Jr., Norman R.Clark Sr., John RichardClayton, Sharon B.Clinger, John W.Consolver, LarryCorbin, RogerCossey, Timmy J.Craft, Paul A.Croft, Steven ErnestCummings, Jacqueline G.Cummings, Nicholas JosephCunningham, Michael A.Curtis, Paul PerkinsD. & L. Hartman, Inc.D’Alessandro, SalvatoreDandy, Allan LynnDang, ChuongDarar, Mohamad A.Davis, Dee AnnDellecese, Eileen M.

Desiena, Carl A.Dinkins, CrystalDixon, Dirk M.Don, Frank JulioDorsch, BrentDougherty, Philip D.Duke, Loyd A.Dunaway, Jerry G.Durell, David M.Dyess, William R.Eckersley, James P.Eckstein, Paul F.Edel, Robert S.Edmundson, Robert JohnEdwards, EsmeErnest, Cynthia G.Evancoe, RobertFarina, James E.Ferguson, ScottField, Roberta KayFioresi, Peter J.Firestone, GaryFlowers, Kenneth L.Ford, Lisa E.Foster, Peter A.Fox, Stuart D.Gage, Jeffrey L.Garcia, John H.Garrison, Thomas R.Graves, JoyceGuttery, Porter B.Hagood, Forest LatHalabu, CharlesHaller Jr., Robert W.Hamel, SusanHammond Sr., LouisHancock, Marvin E.Hawkins, Jennifer I.Hearn, Benjamin FranklinHeath, John VernonHendrix, MichielHenry, Lawrence M.Hershman, Irving A.Hesterberg, Alma LeeHigginbotham, StephenHirano, Isaac T.Hirsch, Susan J.Hoban, Michael F.Hohner, Charles P.Howard, Donna A.HTA Financial Services, Inc.Insurance Services

IncorporationJackson, AndreJacobson-Barnes, DarrylJacques, Jerry L.

Jaime, BenjaminJaramillo, JesusJeanneret, Loarn F.Jenkins, Darlene MicheleWilliam G. Jensen Agency, Inc.Jiovenetta, Joseph A.Johnson, Bobbie R.Johnson, Gregory L.Johnson, Judith E.Joseph, Julius W.Junk, Benjamin C.Kaczmarek, Thelma D.Kaelin, Joseph T.Kaplan, Barry AlanKarcher, GeorgeKeegan, James W.Kelly, Glenna FayeKelly, Pamela E.Kincaid, Gary M.King, Toni F.Knight, Jerry RobertKnight, Stephen E.Knous Jr., James DeweyKubota, Lois R.Lam, Harvey K.Larsen, RichardLarson, Floyd E.Lombardo, Joseph D.Losada, Ruth E.Losco, Richard A.Lotz, Theodore J.Lowenstein, Dale R.Lubwama, CharlesMacKnight, Pamela SueMad Money FinancialMaddox, Billy C.Magee, Charles L.Maglica Jr., JosephMaglica, IrmaManas, Howard LawrenceMangrum, George F.Mangus & Assoc., Inc.Marant, CurtisMares, Anthony P.Marshall, John B.Martin, MicheleMason, James HammettMcBride, JohnitaMcCartney, BethannMcDowell, William B.McGarvey, Richard L.McGavran, EarlMcIntosh, Wanda K.Mercer, Angie K.Merritt, Mary R.

Meyers, LenMigliazzo, Dennis J.Mitchell, Douglas A.Morgan, Jeshua J.Morris, LisaMurillo, Michael A.Murphy, Dennis M.Nau, Trent MichaelNixon, Susan R.Odendahl, Gary LeeOliver II, Braxton S.Olsen, Gary J.Ontiveros, RicardoOverall, Linda J.Palermino, Anthony F.Palmer, Bennie HowardParaiso, John A.Parker, Jarvis MarcParsley, James HenryPayton Jr., Merrill D.Pearson, Lisa T.Pence, StevePerillo, AnthonyPerry, Cynthia A.Peters, EricPeterson, Kenneth M.Petro, Anthony M.Phillips, Burns E.Piekarczyk, Julian J.Pino Jr., NickPiron, AndyPrice, MarlonQuadrini, Christopher V.Quick, Tammy L.Quinn, Glenn D.Rabbits, Marc T.Ramey, Willie C.Ramirez, Joseph R.Redeker, PamelaReich, Ronald T.Rementer, Carol C.Rightmyer, Allen WayneRobinson Jr., Henry L.Roden, Jonathan LawrenceRodriguez, RichardRomoli, Philip J.Rouch, NealRyan, Jeanne AnnSalem, Stephen JohnSandoval, DavidScott, JerrySelectquote Insurance ServicesShannon, Darrel L.Sharp, John F.Sheldon, Paul T.Silverman, Mark S.

Simon, Lenore C.Sinclair, Dohrman J.Smith, Paulette J.Sorce Jr., Ted S.Stanfield, JenniferStanke, Emily L.Stellwagen, Gerard F.Stillisano, ChristopherSutherland, John LewisSwegle, Vernon D.Tamborella, JoeTate, Laura K.Tatz, SuzanneTaylor, Mark F.Terry II, Kim RayThomas, FlorenceThompson, Justin K.Thornton, Larry D.Torok, Michael J.Townsend, Dwayne E.Urbano, Joseph F.Vahovius, Ted C.Vanhoesen, CurtisWalsh, SamuelWard, Cindy C.Ward, Randy K.Wentz, Marguerite B.Wetzel, Peter B.White, Jeanne M.Whitehead, Robert L.Whitman Jr., DavidWhitman, Sandra K.Wilbor, Guy W.Williams, BerniceWilliams, JanetWinters, Jeffrey L.Woodworth, JamesWurster, Roger M.Yap, Julian B.Zardo Jr., Lewis J.

FirSt United AmericAnAbrahamsen, ArthurAmbuski Sandler, Bernadette A.Baron, Jennifer H.Bell, Karen W.corey iii, Samuel c.Gray, Glenn r.Gross, nadineKelly, SeanKirby, Joseph S.Levine, davidLewis, Anthony e.Seide, michel K.Sill Jr., John A.Zaidman, Steven

4 MARCH 2013

BRIDGE THE GAP

How Can Buying Additional Insurance Save Premium?This family of four saves $447 in monthly premium by raising its

group major medical deductible from $500 to $5,000 and purchasing an MMGAP policy.

$1,104: Group major medical monthly premium with $500 deductible

$507: Group major medical monthly premium with $5,000 deductible

+ $150: Foundation Signature Series monthly premium for $7,500 calendar-year benefit

$657: Total health insurance monthly premium ($507 for major medical and $150 for MMGAP)

Why Sell Foundation Signature Series?To combat rising insurance premiums, many people increase their deductibles. But when they suffer a loss, that deductible must be paid out-of-pocket. United American’s Foundation Signature Series (MMGAP), available for issue ages 0-63, is an innovative solution to help manage those out-of-pocket healthcare costs. It helps bridge the financial gap between what the customer’s major medical insurance pays and what the customer actually owes for an inpatient hospital stay.

What Does MMGAP Cover?The Foundation Signature Series helps pay out-of-pocket deductibles, copayments, and coinsurance for inpatient hospital expenses up to the calendar-year maximum benefit for individuals with current or pending group major medical health insurance. Customers can select a calendar-year maximum benefit amount from $2,000 to $10,000, and an optional outpatient rider is also available.

A higher major medical deductible + Foundation Signature Series can:

1. Help pay out-of-pocket deductibles, copayments, and coinsurance (up to a calendar-year maximum).

2. Save your customer hundreds of premium dollars each month, while increasing coverage.

3. Free up financial resources to purchase additional insurance coverage if needed.

If you’re working mostly with Seniors selling Medicare Supplements, Foundation Signature Series is a great transition into the under age 65 market. Check your state’s Compliance Sheet for product availability and take the Foundation Signature Series Brainshark Training at UAOnline to get up to speed on this versatile product.

In addition to MMGAP, why not add life, accident, cancer, and critical illness to your active product portfolio too? Turn the page to learn more!

VS.

MARCH 2013 5

* Plans and benefits may vary by state.

Are you financially prepared if the doctor

were to diagnose cancer?

Does your insurance coverage allow you the

freedom to choose how to treat your illness?

Now, more than ever, a cancer diagnosis brings with it an

amazing number of treatment options, in addition to more

traditional methods.

However, traditional health insurance plans may not offer

you the freedom to pursue nontraditional or controversial

treatments … or the choice not to seek treatment at all.

United American’s Cash Benefit Cancer Policy is a one-time benefit

supplemental policy for the first-time diagnosis of cancer only.

Choose a cash benefit amount up to $50,000 to be used in

whatever manner you see fit. Use it for any type of treatment

you and your doctor deem appropriate. Use it to help cover lost

wages, pay the mortgage or other bills. Use it to take your family

on a vacation, if you like.

THE COVERAGE

• Choice of lump-sum benefit amount: $10,000, $20,000, $30,000,

$40,000, and $50,000*

• Issue ages 0-69 (to 64 in CA); individual, single parent,

or family coverage

• Only health of applicant considered for eligibility – heredity

not an issue

• No physical exam required to qualify, just a few simple

health questions

• Premiums will not increase as you age, only on a class basis by state

• Guaranteed renewable coverage until insured’s one-time cash

benefit is paid

THE PAYOFF

• Pays the maximum benefit amount, as listed in the policy

schedule, up to $50,000* for first diagnosis of internal cancer or

malignant melanoma

• Pays in addition to any other insurance coverage you may have,

even at a government or VA facility

• The money comes directly to you and you decide how it’s spent —

all of it — upon written satisfactory proof of first-time diagnosis of

cancer while policy is in force

• There is no requirement for you to be hospitalized or receive

treatment following a cancer diagnosis in order to receive your

total cash benefit

United American’s First Diagnosis

Cash Benefit Cancer Policy

Up to $50,000* cash, one time, and you decide how it’s spent

F4131

UAI0818 0311

This is a solicitation for insurance.

You will be contacted by a state-licensed insurance agent

representing United American Insurance Company.

P.O.Box8080•McKinney,TX750

70•(972)529-5085

P.O. Box 8080 • McKinney, Texas 75070 • www.unitedamerican.com

POLICY FORM CILS

CILS CILS-APR

Limitations and Exclusions. (1) This policy pays a benefit only for First Diagnosis of a Covered Critical Illness, excluding cancer, while this policy is in force. Proof of First Diagnosis of a Covered Critical Illness must be provided. This policy does not provide benefits for any other disease, sickness, disability, or incapacity. (2) This policy contains a thirty-day (30) Waiting Period. No benefit is payable to anyone who has a Covered Critical Illness manifested before the policy has been in force for thirty days from the Effective Date. An illness is manifested when symptoms exist which relate to a Covered Critical Illness and which would cause an ordinary prudent person to seek diagnosis, care, or treatment. (3) This policy will not pay benefits if the First Diagnosis of a Covered Critical Illness is made outside the United States of America. First Diagnosis. The first time you are diagnosed by a physician as having a Covered Critical Illness which is first manifested after the Waiting Period and while this policy is in force.

Guaranteed Renewable to Age 80; Premiums Subject to Change. This policy is guaranteed renewable to the policy anniversary following the 80th birthday of the Insured named in the policy. As long as premiums are paid when due, we cannot cancel the policy. The Company may change the premium on a class basis for all policies of this same form issued in your state. The policy terminates at age 80 or upon payment of benefit, if earlier.Benefits Reduce. The benefit amount for a covered person will be reduced by one-half after the policy anniversary date following the covered person’s 65th birthday.

Benefit Selection. If the applicant and spouse are on the same policy, the benefit selection must be the same. Otherwise, they may apply on separate applications and choose different benefit amounts.

A critical illness protection policy that pays a lump sum benefit directly to you upon first diagnosis of a critical illness including:• Major Organ Transplant • Heart Attack

• Total Loss of Eyesight

• Stroke• Total Loss of Hearing• End Stage Renal Failure

HealthGuardCritical Illness Supplement

MAKE CHECK PAYABLE TO UNITED AMERICAN INS. CO.Received of ______________________________ the sum of $______________

for _______ month’s premium, other policy fees and noninsurance charges

with application for policy Form CILS. If for any reason the policy is not

issued, payment is to be refunded in full. Insurance is not effective until

policy applied for has been issued.

AGENT’S SIGNATURE

DATE

This is a solicitation for insurance.

UAI0205 0512

UNITED AMERICAN

ACCIDENT

COMPENSATION

PLAN UA-250

◆ Issue ages 0-63

◆ No reduction in benefits for change of occupation

◆ Full 24 hours coverage – on or off the job

◆ Air travel included

◆ Worldwide coverage

UA-250 U5201 R94

Pays Cash Benefits for

Accidental Injury . . .

Choose: 1. Lump Sum

OR

2. Hospital Stay Benefit

. . . with Accidental Death Benefit

Noncancelable and Guaranteed Renewable with premiums payable to policy anniversary following insured’s 70th birthday.

United American’sAccidental

Death Policy

$3,000Coverage for you

$3,000Coverage for your spouse

$1,000Coverage for

each child

We can help you protect yourself and your loved ones in case of an accident.The Top Five Causes of Unintentional Death are*:1. Motor Vehicle2. Falls3. Poisoning4. Choking5. Fires, Smoke

Issue Ages 18 - 68

No premium is due until the end of the first policy year. But coverage begins the day the application is signed.

• You pay no premiums during the first policy year. At the end of the first policy year, keep the coverage for $10 a year premium. If you decide not to pay the premium, the plan will terminate and no premiums will be due.

• Coverage is effective when the named insured or spouse signs the application for insurance. If the spouse signs the application, the named insured must be alive at time of signature.

Important Facts*• Accidents are the leading cause of death among those 1 to 44 years old and the fifth leading cause of death overall.• An estimated 128,200 Americans were killed by unintentional injury in 2009.• An accidental death occurs every four minutes in the United States.

*Source: National Safety Council ’s Injury Facts 2011 EditionThis is only a brief description of United American's Accidental Death Insurance Policy, form UAINADP.

See policy for definitions. Noncancelable until the policy anniversary following your 70th birthday.

Full details, including exceptions for payment of benefits, are in the policy. Insurance benefits provided by

United American Insurance Company, 3700 S. Stonebridge Drive, McKinney, Texas 75070.

Accidental Death Coverage for You and Your Family

Accidental Death Coverage for You and Your Family

United American’sAccidental

Death Policy

$3,000Coverage for you

$3,000Coverage for your spouse

$1,000Coverage for

each child

F9238

P.O. BOX 8080 • McKINNEY, TEXAS 75070

HOSPITAL INDEMNITY POLICY

POLICY FORM HIXC(S)

Issued at All Ages

Daily Hospital Benefits for as long as 2 years for

covered Accident or Sickness with 20% Benefit

Increase After 2nd Policy Year

Additional Benefits for

Private Duty Nursing (RN)

Ambulance Expense

Hospital Intensive Care Unit

Hospital Confinement for Pregnancy

Presented By:

HIXC(S) UC-AP

GUARANTEED

RENEWABLE FOR

LIFE SUBJECT

TO COMPANY’S

RIGHT TO CHANGE

PREMIUM RATES.

Company cannot

cancel policy as long

as premiums are paid

on time. Company

reserves right to

change policy premium

rates on a class basis

as provided in the

policy provisions. Your

premium cannot be

changed unless all

policies of the same

class are changed.

Licensed In Forty-Nine States, District of Columbia and Canada

Add to your Pot o’ Gold!You know Medicare Supplements are a potential pot of gold. But why not make that pot overflow by adding other products to your portfolio? Life, cancer, critical illness, accident, and supplemental health can expand your customer base and your wallet!

Supplement your customer’s existing coverage.

Hospital Indemnity (HIXC)

Daily hospital benefits for up to two years for covered accidents or sickness

Cancer is the #2 cause of death in the United States. Help your customers prepare!

Cash Benefit Cancer Plan (CANLS-2)

Available for both UA and First UA

Benefit amounts up to $50,000

Heart disease is the #1 cause of death in this country, and stroke comes in at #4.

HealthGuard Critical Illness (CILS) Benefit amounts up to $50,000

Covered illnesses include major organ transplant, heart attack, stroke, etc.

You never know when an accident will happen!

Accident Coverage (UA-250)

Choice of up to $10,000 per accident or hospital cash benefit up to $6,250 or $10,000 Accidental Death Benefit

Fantastic Introductory Offer!

$3,000 Accidental Death Policy (ADP)

Available for both UA and First UA

$10 annually for the entire family, and no premium due until end of first policy year

Source: FastStats, Centers for Disease Control and Prevention, January 2013

6 MARCH 2013

TM

Policy Forms

rT10 / rT10GD

sWl / sWlGD Url-cBP

United American Insurance Company has been one of the nation's leading providers of life insurance

products for more than half a century. You can purchase United American's

life insurance with confidence that it is from

a company that does what it

says it will do.

Life Insurance Policies from $1,000 to $20,000Fundamental Life Series™ I

F5579

F6183

Policy Forms

UL10-20, SWL

Rider Forms

UAADR, U4272, UADWPR

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

United American Insurance Company has been

one of the nation’s leading providers of life insurance

products for more than 60 years. You can purchase

United American’s life insurance with confidence that

it is from a company that does what it says it will do.

Where will the money come from to pay for

your final expenses and obligations?

The death of a loved one is an emotionally stressful

time. Immediate financial obligations add to that stress.

Funerals rank among the most expensive purchases

many consumers will ever make. But funerals aren’t

the only expenses. Cemetery costs, medical bills, and

family living expenses also have to be considered.

The most logical reason to purchase life insurance is to

relieve your family from the burden of paying for your final

expenses when you die. But, it's not the only reason.

If you are no longer there to help support your family, how

will they pay the mortgage, car payments, or credit card bills?

If you have children, will their college tuition be in jeopardy?

A United American life insurance policy can help pay for

immediate final expenses, life’s other necessities, or even

provide a future nest egg for your children and grandchildren.

Planning today makes good financial sense – for people

of any age – and can help ease the financial burden

placed on your family when the inevitable happens.

You own the policy

The insurance policy is written to you as an individual and

is not tied to any affiliation with a group or association.

Your policy cannot be canceled

As long as your premiums are paid on time,

your policy cannot be canceled, regardless

of your age or changes in your health.

Purchasing life insurance

now helps ease the burden

of final expenses from your

loved ones later.

Tested by Time

Defined by Stability

Dedicated to Service

CALIFORNIATradiTionSignature Series™

F6040(04)

Policy Form INDEM1

Rider Forms

R-ACCIND, R-CAN(04)R, R-CIX

UAI0339 1111

ESCALATING HOSPITAL INDEMNITYPOLICY FORM HMXC(S)

For AGES 0-63:A choice of from $30 to $100 initial daily Hospital Indemnity benefit.Daily benefits DOUBLE beginning with 61st day, REDOUBLE beginning with

the 121st day of each period of hospital confinement.Continuous confinement not required . . . reconfinement within 120 days is

considered as same period of hospital confinement.Benefits for as many as 365 days for each period of hospital confinement with no limit to number of periods of hospital confinement.Premiums for a family member are returned in event of member’s

accidental death.

Presented By:

HMXC(S) UC-AP

GUARANTEED RENEWABLE FOR

LIFE SUBJECT TO COMPANY’S RIGHT TO CHANGE PREMIUM RATES.

Company cannot cancel policy as long as premiums are paid on time. Company reserves right to change policy premium rates on a class basis as provided in the policy provisions. Your premium cannot be changed unless all policies of the same class are changed.

Licensed In Forty-Nine States, District of Columbia and Canada

P.O. BOX 8080 • McKINNEY, TEXAS 75070

If you’re unfamiliar with these products or need a refresher, take Brainshark Training on the Agent websites. Training is available for both UA and First UA on Cash Benefit Cancer and the $3,000 ADP and for UA on the UA-250 Accident Policy, HealthGuard, Hospital Indemnity, and the Fundamental Life Series.

And don’t forget UA’s Reserve Fund Annuity, Lifestyle Annuity, and First UA’s Flexible Premium Annuity. Annuities can help your customers accumulate funds to meet health insurance deductibles and copayments and/or save for a more financially secure future.

Help individuals supplement their existing major medical coverage with a policy they can design to meet their needs.

Tradition Signature Series (INDEM1) (CA only)

Hospital, medical, surgical indemnity expense coverage for individuals and families with major medical coverage

Four benefit levels: $12,500; $25,000; $37,500; $50,000; add-on riders available

Supplement your customer’s existing coverage.

Escalating Hospital Indemnity (HMXC)

$30 to $100 initial daily Hospital Indemnity Benefit that doubles after 60 days and redoubles after 120 days

Appropriate life insurance is fundamental to every family’s security.

Fundamental Life Series I (MLAP) and Series II (ILAP)

Term Life and Whole Life benefit options from $1,000 to $500,000

MARCH 2013 7

During a recent trip to Florida, Senior Vice President, Chuck Mankamyer, and Regional Director, Gary Owen, hosted a dinner at III Forks in Palm Beach Gardens. It was an

opportunity to get reacquainted with top UA producers, say “Thank you” for their loyalty and hard work, share sales stories, and get excited about the amazing possibilities in 2013.

“Good morning, Chuck. Thank you so much for a delightful dinner at III Forks. It brings back memories of ‘rubbing elbows’ with producers and the fun associated with sharing stories and good times. I enjoyed seeing others get excited as they listened to your enthusiastic sales ideas and the value in being a UA Agent. You are a master of your trade! I look forward to a big year in sales and recruiting for the Company.”

~ Bill Borosak

“Hi, Chuck. Dinner Friday night was excellent. I really enjoyed the company, the food, and the ambiance. Thanks so much to you and United American for the hospitality.”

~ Kerry Sachs

“It was a pleasure to attend this event and only affirmed why I sell UA. United American provides me the opportunity to offer my clientele the ‘Gold Standard’ in the Medicare Supplement market. As the only Company to pay lifetime renewals*, UA pays Agents to service policyholders year after year, which affords the opportunity to continually build client relationships. Clients feel confident referring others to my office.”

~ Chris Graham

“My experience with UA has been a special one. I’ve never worked with a company before that truly cares about its Agents and treats its Agents with the utmost respect and concern. UA has taken care of my clients better than any other company. It does what it says it will do courteously and promptly. Thank you, United American!”

~ Julia Gilels

“I was honored to be invited to share an evening with successful producers from my region and finally match their names with their faces. Along with Chuck and Gary, I enjoyed the camaraderie and the ideas we all shared. Our small group at the dinner table felt more like a family get together! I am very proud to represent United American.”

~ Richard D. Sakharoff

“Hi, Chuck. I just want to say ‘thank you’ again for the terrific evening. United American is fantastic to support its Agents in such a generous way. When Chris congratulated me this morning for being a winner in the December contest, I just had to reply that representing UA is what makes me a winner.”

~ Gary Kempler

From left: Stuart Allen, Gary Kempler, Julia Gilels, Aaron Gordon, Chuck Mankamyer, Bill Borosak, Kerry Sachs, Chris Graham, Gary Owen, and Richard Sakharoff.

*Limited to sixth policy year on Guaranteed Issue Medicare Advantage replacements; not applicable in WA.

8 MARCH 2013

Good Food & Good FriendsGood Food & Good Friends

Ordering Your Business Cards Just Got Easier!

Office (555) 555-5555Cell (555) 555-5555

Fax (555) 555-5555

john.smith@unitedamerican.com

111 FIRST STREET • DALLAS, TX 75555

John SmithAgent

Representing

www.unitedamerican.com

111 First StreetDallas, TX 75555Office 555-555-5555Cell 555-111-1111jane.smith@unitedamerican.comwww.unitedamerican.com

Jane SmithAgent00000000

A Torchmark Corporation Affiliate Company

Representing

1) Go to the Order Printing website at www.orderprinting.com

2) Enter login information: Account: 6012united Password: uniame2012

3) Enter your Name, click ‘Login Now’ and click ‘Place an Order’ to begin.

4) Select the appropriate United American template.

5) Select number of cards you wish to order and complete all information to be printed on the card. Please be sure all the information is correct. You will have a chance to review the information on a later screen.

6) Enter your credit card information and press ‘Next’ to proceed. If you do not want the cards sent to the address indicated on the cards, you may enter a different address in the ‘Comments’ section.

7) Preview your order. If not correct, click ‘Make Changes’ at the bottom and make corrections.

8) When you confirm all information is correct, click ‘Send My Order’. Note: Click ‘Send My Order’ only once, or you will submit multiple orders.

9) Before exiting, wait for the information screen to pop up and indicate your order is complete.

MARCH 2013 9

#2

#2

#3

#3

#4

#4

#5

#5

#1

#1

PACESETTERS CLUB

PRESIDENT’S CLUB

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

7. JOHN J. COSTA Agent Services of America

8. JOHN STAMPER Choice Plus Benefits

9. ROBERT M. WROBLEWSKI SOS Insurance Group

10. SCOTT E. MEDNICK Professional Insurance Systems of Florida

11. PAUL SWEENEY Quality First Insurance Agency , Inc.

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

13. JAMES A. SWEENEY American Senior Benefits

14. JOHN STEVEN CARRAN

15. STUART ALAN Senior Care Insurance Center

16. MARK HELLER Heller Insurance Agency

17. AMERICAN EAGLE CONSULTANTS, INC.

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

19. EARL D. DWORKIN Dworkin Insurance Agency

20. BRIAN W. BAACKE Baacke Insurance Agency

21. SANDY A. JACOBSON Jacobson Insurance Agency

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

23. WORLD WIDE COVERAGE CORP.

24. ANDY G. ADELSON Adelson Insurance Agency

25. THOMAS G. STATKEWICz Sylvan-James Associates, Inc.

26. SCOTT J. SCHWARTz Schwartz Insurance Agency

27. JOSEPH MAISONET Maisonet Insurance Agency

28. CENTERSTONE INSURANCE & FINANCIAL SERVICES

29. CARL F. EHRLICH Ehrlich Insurance Agency

30. CENTURION AGENCY, LTD.

6. RICHARD D. SAKHAROFF

7. KERRY SACHS

8. DEVIN M. BARTA

9. DAVID STOCKDALE

10. EDWARD A. CATRON

11. JOHN W. STAMPER

12. MARK HELLER

13. CHRISTOPHER N. GRAHAM14. ALExANDER E. MAIRANO15. EARL D. DWORKIN16. SANDRA K. STEVENS17. PETER J. LONGO18. JORGE A. VALDES19. ROGER A. GRADY JR.20. MICHAEL W. WACHTEL21. VICTORIA A. MAJOR

22. KENNETH R. DELAUTER JR.23. JOHN C. LOVELACE24. SHIA WEINFELD25. SCOTT J. SCHWARTz26. MATTHEW BROWN27. AARON GORDON28. CATHERINE E. HATTON29. CARL F. EHRLICH30. MATTHEW BRADY

Through February 2013, these top producing Agencies and Agents have the highest net combined annualized premium. They can qualify to attend the annual Convention based on Company production and retention requirements.

MIKE LEMAR Sunshine State Agency

TIM AHLBUM

RON CONCKLIN Rosenberg-Concklin, Inc.

RAY STEVENS

RAY STEVENS Stevens & Associates Insurance Agency

ROBERT HOLzMAN

CATHERINE E. HATTON Long Island Insurance Solutions

GARY S. KEMPLER

JON AHLBUM The Ahlbum Group

MICHAEL KLINE

10 MARCH 2013

1. JON AHLBUM The Ahlbum Group

2. MIKE LEMAR Sunshine State Agency

3. RON CONCKLIN Rosenberg-Concklin, Inc.

4. RAY STEVENS Stevens & Associates Insurance Agency

5. CATHERINE E. HATTON Long Island Insurance Solutions

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

7. JOHN J. COSTA Agent Services of America

8. JOHN STAMPER Choice Plus Benefits

9. ROBERT M. WROBLEWSKI SOS Insurance Group

10. SCOTT E. MEDNICK Professional Insurance Systems of Florida

11. PAUL SWEENEY Quality First Insurance Agency , Inc.

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

13. JAMES A. SWEENEY American Senior Benefits

14. JOHN STEVEN CARRAN

15. STUART ALAN Senior Care Insurance Center

16. MARK HELLER Heller Insurance Agency

17. AMERICAN EAGLE CONSULTANTS, INC.

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

19. EARL D. DWORKIN Dworkin Insurance Agency

20. BRIAN W. BAACKE Baacke Insurance Agency

21. SANDY A. JACOBSON Jacobson Insurance Agency

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

23. WORLD WIDE COVERAGE CORP.

24. ANDY G. ADELSON Adelson Insurance Agency

25. THOMAS G. STATKEWICz Sylvan-James Associates, Inc.

26. SCOTT J. SCHWARTz Schwartz Insurance Agency

27. JOSEPH MAISONET Maisonet Insurance Agency

28. CENTERSTONE INSURANCE & FINANCIAL SERVICES

29. CARL F. EHRLICH Ehrlich Insurance Agency

30. CENTURION AGENCY, LTD.

1. JON AHLBUM

2. MICHAEL JOHNSON

3. MARITA A. ROBISON

4. FRED RICHARDSON

5. RICHARD M. BOWES

6. RANDAL L. BRUMITT

7. GEORGE A. WALLACE

8. WILLIAM SCHRECK

9. DOMENICK F. ROSE

10. VINCENT COSTA

11. MARK R. ALLRED

12. GLENN FULLER

13. MACK M. DANIELS

14. DONALD L. BISHOP

15. BANTEE L. HALL

1. MICHAEL KLINE

2. TIM AHLBUM

3. RAY STEVENS

4. ROBERT HOLzMAN

5. GARY S. KEMPLER

6. RICHARD D. SAKHAROFF

7. KERRY SACHS

8. DEVIN M. BARTA

9. DAVID STOCKDALE

10. EDWARD A. CATRON

11. JOHN W. STAMPER

12. MARK HELLER

13. CHRISTOPHER N. GRAHAM

14. ALExANDER E. MAIRANO

15. EARL D. DWORKIN

16. SANDRA K. STEVENS

17. PETER J. LONGO

18. JORGE A. VALDES

19. ROGER A. GRADY JR.

20. MICHAEL W. WACHTEL

21. VICTORIA A. MAJOR

22. KENNETH R. DELAUTER JR.

23. JOHN C. LOVELACE

24. SHIA WEINFELD

25. SCOTT J. SCHWARTz

26. MATTHEW BROWN

27. AARON GORDON

28. CATHERINE E. HATTON

29. CARL F. EHRLICH

30. MATTHEW BRADY

1. JON AHLBUM The Ahlbum Group

2. MICHAEL JOHNSON Johnson Insurance Agency

3. MARITA A. ROBISON Robison Insurance Agency

4. FRED RICHARDSON The Richardson Group

5. RICHARD M. BOWES Bowes Insurance Agency

6. RANDAL L. BRUMITT Brumitt Insurance Agency

7. GEORGE A. WALLACE Wallace Insurance Agency

8. ROBERT DEBENEDETTO Debenedetto Insurance Agency

9. DOMENICK F. ROSE Ressler Insurance Agency

10. VINCENT COSTA Costa Insurance Agency

11. MARK R. ALLRED Allred Insurance Agency

12. GLENN FULLER Fuller Insurance Agency

13. MACK M. DANIELS Daniels Insurance Agency

14. DONALD L. BISHOP Bishop Insurance Agency

15. BANTEE L. HALL Hall Insurance Agency

MARCH 2013 11

LIFE HEALTH

GEN

ERA

L A

GEN

TSW

RIT

ING

AG

ENTS

LIFE HEALTH

WH

AT Y

OU

NEE

D T

O q

UA

LIFY

IF

YO

U A

RE A

GEN

ERA

L A

GEN

T:

MONTH LIFE ONLY HEALTH ONLY COMbINEd

$180,000 NAP $350,000 NAP $350,000 NAP

JAN. $15,000 $29,167 $29,167

FEB. 30,000 58,333 58,333

MAR. 45,000 87,500 87,500

APR. 60,000 116,667 116,667

MAY 75,000 145,833 145,833

JUNE 90,000 175,000 175,000

JULY 105,000 204,167 204,167

AUG. 120,000 233,333 233,333

SEPT. 135,000 262,500 262,500

OCT. 150,000 291,667 291,667

NOV. 165,000 320,833 320,833

DEC. 180,000 350,000 350,000

WH

AT Y

OU

NEE

D T

O q

UA

LIFY

IF

YO

U A

RE A

WRI

TIN

G A

GEN

T:

MONTH LIFE ONLY HEALTH ONLY COMbINEd

$100,000 NAP $150,000 NAP $150,000 NAP

JAN. $7,500 $12,500 $12,500

FEB. 15,000 25,000 25,000

MAR. 22,500 37,500 37,500

APR. 30,000 50,000 50,000

MAY 37,500 62,500 62,500

JUNE 45,000 75,000 75,000

JULY 52,500 87,500 87,500

AUG. 60,000 100,000 100,000

SEPT. 67,500 112,500 112,500

OCT. 75,000 125,000 125,000

NOV. 82,500 137,500 137,500

DEC. 100,000 150,000 150,000

It’s The

Big Easy

in 2014!The Roosevelt New Orleans

June 26-29, 2014