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Nebraska Heartland April/May 2018

ADVOCATE • EDUCATE • LEGISLATE • MOTIVATE President’s Perspective

Wow! April was a very busy month and has flown by so fast!!! Thank you to everyone who attended our Day At The Races event! Even though it was cold and snowy, we still had a blast and enjoyed spending some time with our sponsors in a fun and casual environment.

ROAD SHOW THANK YOU! I would also like to send a BIG THANK YOU to NAIFA-NE State for their wonderful Road Show, featuring Tom Hegna! We had a great turn out for the event and Tom’s presentation was amazing! See page 4 for a few highlights.

CONGRATULATIONS!!! We are very excited to announce that Dayla Mamot-Sack will be graduating from this year’s Leadership In Life Institute (LILI) Program on Wednesday, May 16, 2018; prior to the Insurance Leaders Forum in Lincoln. This six-month course requires a lot of time and dedication, and is not one to be entered into lightly. We are so proud of Dayla for making the commitment to learn and grow, both personally and professionally!

Why We Joined NAIFA: Vision & Mission

Code of Ethics Advocacy & IFAPAC

59 Members

27 IFAPAC Contributors

Coming Up: 5/3 Annual Awards Celebration

5/17-5/18 Insurance Leaders Forum

Inside This Issue:

Calendar of Events 2 Upcoming Association Info 3 4/18 Tom Hegna Highlights 4 Legislative & Advocacy Updates 5 Sponsor Spotlight 6 Board Members 7

Best regards, Mary Santin

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2017—2018 Calendar of Events

July January No Association Meeting 1/26 Association Meeting

Joint with Central

10:00 a.m. at Alda Crane Center

August February

8/7 – Golf Tournament 2/14 – State Legislative Day Riverside Golf Club NE State Capitol | Lincoln, NE 11:30 Sign In & Lunch | 1:00 Tee Time 9:00 a.m. – 2:00 p.m. Get involved on a committee to help!

September March Life Insurance Awareness Month 3/14 – CE Seminars

2017 Annual NAIFA Conference 8:00 a.m. – 4:00 p.m. | Riverside

9/8 – 9/10 | Orlando, FL

9/22 – Association Meeting

Joint with Central | CE Available

8:45 a.m. at Alda Crane Center

October April 10/5 – CE Seminars 4/6 – Day at the Races!

9:00 a.m. – 5:00 p.m. Fonner Park | watch your email for info College Park in Grand Island Get involved on a committee to help!

4/18 – State-Sponsored “Road Show” Speaker: Tom Hegna | Riverside

November May 11/17 – Association Meeting 5/3 Annual Awards Celebration

Lochland Country Club in Hastings Riverside | watch your email for info

11:00 a.m. – 2:00 p.m. | CE Available 2018 Insurance Leaders Forum 5/17 – 5/18 | Innovation Campus, Lincoln

NAIFA Congressional Conference 5/22 – 5/23 | Washington, D.C.

December June No Association Meeting

Member/Family Event Date, Time & Location TBD Get involved on a committee to help!

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Upcoming Association Information

May 3rd: Annual Awards Luncheon

Thursday, May 3, 2018 | 11:30 a.m. | Riverside, Grand Island Our Annual Awards Celebration Luncheon will be on Thursday, May 3, 2018, at the Riverside Golf Club in Grand Island.

Please join us at 11:15 a.m., as the celebration will begin at 11:30 a.m. followed by the luncheon. You are invited to bring your significant other to the event, simply let Heidi Adams know when you RSVP to ensure we obtain an accurate head count for the lunch.

We are looking forward to celebrating the 2017-2018 NAIFA-NE Heartland Year with all of you!

May 17th – 18th: Insurance Leaders Forum

Thursday, May 17, 2018 – Friday, May 18. 2018 | NE Innovation Campus, Lincoln Join us for what's sure to be the biggest and best Forum ever - featuring closing speaker Julius Erving, the legendary "Doctor J" who was voted one of the NBA's 50 greatest players of all time! Click here to see the attendee registration brochure including the full agenda. To register online, click here, then click on the blue "Tickets" button. More than 150 NAIFA and NAHU (NE Assn of Health Underwriters) members have already signed up for the 2018 Nebraska Insurance Leaders Forum. Attendance is limited to the first 450 people who sign up -- so don't miss out!

August 6th: Annual NAIFA-NE Heartland Golf Tournament

Monday, August 6, 2018 | 11:30 a.m. | Riverside, Grand Island On Monday, August 6, 2018, you will find yourself playing on Riverside’s prestigious 18-hole golf course with tree lined fairways and well-manicured greens that challenge amateur and professional golfers alike! Plus, we look forward to our tent sponsors who keep the energy and fun atmosphere flowing. Click here for this year’s registration form.

Teams: Please complete the “Golf Registration” on the right side.

Sponsors: Please complete the “Sponsorship Opportunities” on the left side. Important:

All registration forms and payments must be submitted by July 31, 2018.

Teams will be reserved on a first come, first paid basis.

Submit Registration Forms To: Submit Payments To:

NAIFA-NE Heartland

822 W. 1st Street Grand Island, NE 68801

Email: hLadams@ft.newyorklife.com

Fax: 308.382.0725

NAIFA-NE Heartland

822 W. 1st Street Grand Island, NE 68801

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April 18th – Tom Hegna Highlights

7 Steps to Retirement Security

1. Have a PLAN 2. Work a little longer, save a little more 3. Cover your Basic Expenses with Guaranteed Lifetime Income 4. Optimize the rest of your saving to protect from Inflation 5. Maximize Your Social Security Benefits 6. Have a Plan for Long Term Care 7. Use your Home Equity Wisely

And Use LIFE INSURANCE to Transfer Wealth

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Legislative & Advocacy Updates

Fifth Circuit Vacates DOL Fiduciary Rule On March 15, 2018, the Fifth Circuit Court of Appeals vacated the Department of Labor (DOL) fiduciary rule. The rule is now on hold nationwide, awaiting a DOL decision to ask for a rehearing, appeal the Fifth Circuit decision, or acquiesce to it. In a two-to-one decision by a three-judge panel, the Fifth Circuit held that the fiduciary rule as drafted by DOL exceeds the agency’s statutory (ERISA) authority, and therefore could not stand. The court characterized the rule in its entirety as one that is unreasonable and one that constitutes an arbitrary and capricious exercise of administrative power. The court’s ruling kills the rule and DOL has announced it will not try to enforce it, pending a decision on whether to ask for an en banc rehearing of the case by the full Fifth Circuit court, or to appeal it to the Supreme Court, or to acquiesce to the three-judge holding. Prospects: DOL has until early May to decide whether to ask for a rehearing or appeal the decision. To date, the agency has not yet determined what its reaction to the ruling will be. The court’s decision could result in the agency halting its ongoing work on modifications to the rule. Or, the agency could decide to start over again on a new fiduciary rule proposal, probably building on the work already done on modifying the rule. In the meantime, the Securities and Exchange Commission (SEC) is working a new standard of care rule, with a proposal expected “this spring.” So, the status of the fiduciary rule issue should come a bit clearer within another month or two.

How did NAIFA Play a Major Leadership Role in the DOL Fiduciary Rule being Vacated?

Watch this quick video to find out. One key takeaway is that we are one NAIFA and one industry, all in this together. Our advocacy success benefits every agent and advisor, but we can only be effective when we put forward a unified front. As more advisors join NAIFA, the stronger our advocacy voice and our industry becomes.

Shaping Healthcare’s Future Through Advocacy In February, 850 NAHU (National Association of Health Underwriters) members from all corners of the country went to Washington, DC, to discuss common-sense health reform; at the NAHU Capitol Conference.

Thank you JJ Green and Charles Olson II for attending with the Nebraska delegation!!!

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Sponsor Spotlight

Our Mission To set standards of excellence by providing, Quality repairs & World Class Service that our customers expect & deserve. We believe it’s important to stay connected with our community and operate through our Christian values.

Our Promise to You Our Team We promise to always provide value and outstanding service, regardless of repair size.

Services Provided

• Auto Painting • Frame & Structure

• Paintless Dent Repair • Chip & Scratch Repair

• Electrical Systems • Buffing & Polishing • Tires & Alignments • Engine Mechanical

• And So Much More!

Our experienced service department & body shops will keep your vehicle in top condition. We use the latest technology to provide high-quality service and quick turnaround. Our technicians are highly skilled and have years of experience. Most of all they love cars and care about yours.

Grand Isand • Hastings • St. Paul • Kearney • North Platte • York • Omaha

Thank You to all of our Sponsors! To access a sponsor’s website, click on their logo.

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Board Members

President Mary Santin

Immediate Past President Michael Hutchinson

President Elect Steve Heath

National Committeeman Kristy Cavanaugh

Board Director Judy Barnes

Board Director Duane Biede

Board Director Matt Green

Board Director Shannon Hannappel

Board Director Dayla Mamot-Sack

Executive Heidi Adams