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

EDITORGay Falkowski

CREATIVE LEADJohn Begg

EMAILeditor@torchmarkcorp.com

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

HOME OFFICE972-529-5085

FIRST UA315-451-7975

(Agent use only)

AGENT SERVICE CENTER 800-925-7355 or email

agencyservice@torchmarkcorp.com

WEBSITES unitedamerican.com

unitedamerican.com/logon firstunitedamerican.com

firstunitedamerican.com/office

Published regularly by United American and First

United American Life Insurance Companies for the dissemination of information to their Agents.

Prior permission must be obtained from the Home Office

for reproduction or other use of material herein.

SETTING THE RECORD STRAIGHTAlthough Medicare Supplement policies will cease covering the Medicare Part B deductible for those enrolling in Medicare on or after January 1, 2020, state insurance departments have reported that some Agents have begun telling policyholders they will be losing their plans now. To correct this misconception, several states have issued Bulletins or Consumer Alerts (see Florida Consumer Alert below).

To help with any confusion surrounding the Congressional changes to Medicare Supplement that will be implemented in January 2020, here are the facts:

y Effective January 1, 2020, Medicare Supplement plans that include the Part B Deductible will no longer be available.

y Effective January 1, 2020, Agents will be prohibited from selling Medicare Supplement plans that cover the Part B Deductible.

y The prohibitions will apply only to those who become enrolled in Medicare and want to get a Medicare Supplement policy on or after January 1, 2020.

y Current policyholders, and those enrolling in Medicare prior to January 1, 2020, will not be affected by this change, and do not need to replace their policy to retain their benefits.

FLORIDA CONSUMER ALERTTALLAHASSE, Fla. – The Florida Office of Insurance Regulation (office) wants to remind Medicare recipients with an existing Medigap Plan C or F that they can keep their plan. Consumers may have heard about congressional changes in the Medicare Access CHIP Reauthorization Act (MACRA) of 2015, which only applies to newly eligible Medicare beneficiaries and prohibits the sale, renewal, or retention of these plans starting in 2020. However, these changes do not prohibit the sale of Medigap Plans C or F to people who were already eligible or enrolled in Medicare before 2020; therefore, current enrollees do not need to replace their Medigap Plan C or F and may keep it as long as they maintain eligibility and remain enrolled in the plan.

FINAL EXPENSE AND JUVENILE WHOLE LIFE RATE CARD UPDATESEffective immediately, United American and First United American will offer ‘Money Purchase’ rates as well as face amount rates on its Final Expense Whole Life and Juvenile Whole Life rate cards.

Premium calculators have also been updated to show ‘Money Purchase’ rates.

Updated rate cards and premium calculators can be found on your State Compliance sheet, in states where product is approved.

ANOTHER MEDICARE ADVANTAGE WITHDRAW IN NEW YORKEffective Jan. 1, 2016, Touchstone Health HMO, Inc. in New York will no longer be offering coverage of Medicare Advantage benefits in the following service areas: Bronx, Queens, Kings, Richmond, New York, Westchester, and Orange counties. Approximately 10,000 Touchstone Health HMO enrollees have the opportunity to return to Original Medicare and could be in the market for a quality First United American Medicare Supplement plan. CMS requires MA organizations to send a letter of termination notifying affected customers when their plan will end.

This is a great opportunity for Agents in New York to ‘light the way’ to a First UA Medicare Supplement policy for seniors who choose to return to Original Medicare for their healthcare needs.

As a reminder, First United American requires the following when submitting a Medicare Supplement application on those affected by the termination of a MA plan.

y For applicants involuntarily dis-enrolled from their prior coverage a copy of their termination letter is required. Remind prospects not to discard notification letters regarding termination.

y For affected applicants who no longer have their termination notification letter, a copy of their Medicare Advantage ID card is required with a statement that the termination notification letter is no longer available.

y A letter of intent is not accepted for involuntary terminations.

To ensure applications do not pend, applications must have the above stated document/s and must state whether they were voluntarily or involuntarily disenrolled.

LIFESTYLE ANNUITY RATEThe lifestyle annuity rate for December 2015 is 3.00%. We are not approved to sell the SPDA product in CO or NY.

WORDS OF WISDOM“Though no one can go back and make a brand new start, anyone can start from now and make a brand new ending.”

~Carl Bard

NEW!

2 y JANUARY 2016 y MADP 2016 SEASON FINALE

I don’t watch much television, but when I do, I really enjoy shows with interesting characters, plot twists, plenty of suspense, and of course, happy endings. I like the good guys to win, the bad guys to get what’s coming to them, and for everyone else to resolve whatever problems they’ve been struggling with all season.

I like real-life scenarios to end that way, too. The good thing about the storylines that make up our day-to-day lives is that they are largely in our control, dictated by our choices: the people we surround ourselves with, the work we do, whether we go the extra mile, the decision to help others in need of guidance and support. Every single day we write our own scripts with the choices we make.

IT’S ALMOST A WRAPIn these final weeks of the 2016 Medicare Advantage Disenrollment Period (MADP), which ends on Feb. 14th, it’s important to remember that it’s up to you to decide how your MADP season will end.

Are you a ‘Survivor’? It’s not too late to ‘Get Smart’ and find new ways to reach the thousands of Seniors who can be helped with a UA ProCare Medicare Supplement Insurance Policy. Get out of ‘The Office’ and follow every lead like a ‘True Detective’.

Today’s ‘Modern Family’ is multi-generational, providing lots of opportunity to spinoff from your Medicare Supplement presentation and

to introduce another great UA product. Your career will never be in ‘Jeopardy’ when you’re always prepared with a full portfolio of UA products.

SPOILER ALERT!I’m not naming any names, but early results show that 2016 MADP will be a phenomenal selling season for many of our Agents. One reason for this, other than plain old hard work, is that the changing landscape of healthcare in this country is creating an incredible opportunity for the Agent who becomes a trusted guide to clients.

In the last few months, several healthcare companies throughout the country have announced that after 2015, they’ll no longer offer Medicare Advantage plans, leaving thousands of beneficiaries to decide whether to return to Original Medicare or choose a Medicare Advantage plan from a different company.

It’s a big cliffhanger, isn’t it?

IN CONCLUSIONThere’s still plenty of time left in MADP for you to find Seniors who want and need the insight and advice of a great Agent to help them choose a Medicare Supplement Insurance plan that’s right for them. But remember, it doesn’t have to be a ‘one-man’ show. The UA Home Office staff is always hard at work, providing support, direction, and all the tools you need to hit your marks.

The great American actor Orson Welles once said, “If you want a happy ending, that depends, of course, on where you

stop your story.” I agree, and as we make our way through the next few weeks leading up to our MADP season finale on Feb. 14th, my advice is simple: Don’t stop your story until the very end.

And when it’s over, we’ll celebrate your finest MADP season yet. ‘Cheers.’

MADP SEASON FINALE … WHAT HAPPENS IS UP TO YOU

3 y JANUARY 2016 y MADP 2016 SEASON FINALE MADP 2016 SEASON FINALE y JANUARY 2016 y 3

Charles Mankamyer Senior Vice President / General Agents

WELCOME TOUNITED AMERICANAlbert, ArthurAlbert, CarsonAldridge, DavidAlwin, MichaelAnderson, RobertApolenis, MarkAquino, MehemiasArnold, JohnAsher, NormanAustin, RogerAyad, MalakBahama Financial Groups, Inc.Ballard, DonnaBarker, BillBarksdale, JohnathanBarnes, TerrizardBartlett, RobertBecker, StephenBecker, WayneBello, AndrewBermudez, EdwardBertrami, NatBetters, NathanBiede, DuaneBigwood, StephanieBill & Sheila Gaylor Ins

Profs, PaBindzi, GertrudeBishop, DennisBlackwelder, RobertBlankenship, MatthewBlass, AugustBolivar, JamieBooth, KennethBooth, MabelBooth, SymmanthaBradbury, DavidBridgeforth, HenryBroderick, BrendaBrown, ErnestBrown, PeterBryan, GlenfordBryant, Nz Jr.Buckson, VanessaBullock, DonBurton, DavidButcher, RonaldByas, PauletteCagle, ChristineCampbell, RomieCarlton, ChristineCarra, StanleyCarrithers, JoanneCawley, TimothyCervenka, ThomasChagani, AminChinski, HenryClark, DavidClarke, AudleyCloyd, AudreyCook, RowanCooper, Deborah

Coulter, JeffreyCrudup, WarrenCummard, StephenCurty, EugeneCuthrell, RichardDavis, AlbertDebice, CarnieDeptula, AlanDiaz, SamuelDobscha, HermanDonato, JohnDouglas, ShelenaDragan, DanielDumas, AlbertDuplantier, BryanEasley, VivianElkhatib, MahmoudEllis, RogerEllis, WalterEpstein, RonaldEvenson, RobertFaberman, BurtonFamily Life Ins Group, LLCFernandez, RafaelFilloramo, JamesFischer, DanielFoster, AngelaFox, DennisFreedman, MichaelGallardo, TonyGathitu, AnthonyGentry, MarvinGodwin, IsaiahGoff, RichardGomez, MadikayGonsier, ElizabethGraciano, WindyGray, JacquelineGreenhalgh, WilliamGriffin, MacoyGriffin, StevenGrizzle, CarlGrow, BlaineGrundman, RobertGusky, StevenHaddad, RaidHagan, DennisHahn, NicoleHalonen, MatthewHalterman, GeraldHarrielal, AndreHarris, ConradHartman, AnthonyHarvey, DebraHawkins, AndreHeethuis, DennisHegemann, ShawnHelgeson, MichaelHernandez, DeborahHill, WendyHirschman, JaymeHite, MarkHoath, LeonardHoffman, Donald

Holden, MonicaHollaway, StevenHood, RobinHorst, SusanHoward, EstherHoward, FranklynHoward, MichaelJackson, AndreJackson, BarbaraJackson, TrixineJames, PaulJean-Francois, MarcelleJetter, MatthewJohnson, RodellJohnston, JamesKarpinski, JedKelsey, KeithKidd, TiffanyKing, JamesKing, TerranceKirkendall, StephenKirkpatrick, DavidKoelbl, JackKomarek, ScottKostrewa, MichaelKylen, PatrickLakatos, PeterLarson, PamelaLdj American Online

Benefits, LLCLehner, PaulLessard, AllanLevenson, IrwinLight, RandyLipski, JosephLockie, RichardLong, AngelaLoscialpo, RenataLouis, EmmanuelLowe, ElizabethLunsford, ScottMacAraeg, AugustoMacKenzie, GlenMacKrell, FrederickMartindale, TerrieMatenaer, KirkMatheny, WalterMcAllister, StephenMcCune, CoryMcDonald, AndreaMcElveen, WillieMcIntosh, CharlesMcIntosh, WayneMcKenzie, DavidMcMillan, SheilaMerideth, BlondeneMerriner, RonaldMiano, GaryMiller, SharronMollison, RansfordMompoint, AlexMoody-Staley, VeraMoore, MarcusMoorehead, Jerry

Morales Jr., EmilioMossucco, FrankMurphy, SteveNatesan, MurugesanNedd, IsaacNemeth, EugeneNestor, JohnNeville, Nelson Jr.Nhaway, TywanyaNielsen, KentNorman, MarshaNorris, ElizabethNorris, WesleyNorrito, JohnNovotny, JerryO’Dell, RonaldOlivares, JoseOlson, CraigParker, StephaniePartain, TeresaPaterson, RobertPatterson, JaddePaul, DayanPenalba, LouiePerkins & Assoc Ins SrvcPerry, TanyaPlanning Advisors, LLCPorter, Lee Jr.Powers, GretchenPrice, LawrencePrice, StevenPrince, PatrickPrude, PriscillaPuertas, NestorRabin, BruceReyes, RenatoRhoades, AaronRhoden, KennethRichardson, JamesRichmond, RhondaRiggs, ToddRiley, JanetRoberts, DavidRoberts, EdwinRobertson, MatthewRobinson, NathanRojas, JaimeRomano, MichaelRosiere, LouisRuby, LaurieRullman, Elmer IIISaddler, MichaelSanchez, SusanSanchione, FrankSandhaus, BrianSarant, NicholasSavvides, ThomasScalia, RobertSchapper, DanSchollmeyer, HenryScruggs, PercindaSellinger, DonaldShamblin, KennethShearrer Ins Srvcs, Inc.

Shells, WandaSinclair, KristinSmith, BoydSmith, GeoffreySmith, JoanSmith, LanysiaSmith, PaulSnouffer, DanielSpagat, FredSpatafore, LouisSt. Philip, HenryStang, BradleyStinson, JeraldStratton, WilliamSzekely, TimothyTanelus, ElieTender, DennisTerry, RoslynnThomas, Ri’ShardThompson, PhyllisThompson, TroyThurman, DeanTidland, LynnTrevino, MarinaTurner, DonaldTyre, MatthewUguru, PaulinusUsher, JerryVasquez, FranciscoVogel, RoyWagner, EdgarWard, BernardWarner, DavidWatkins, Ronald Sr.West, JimmyWilliams, LenricoWilson, CharlesWilson, TimothyWitherspoon, EllynneWootton, JamesWright, RobertWright, Harry Jr.

FIRST UNITED AMERICANAckerman, WilliamAgarwal, SatyaAshurova, ZumrudBarcus, DawnBianchi, NatalieBianchi, WilliamButton, EricCannan, ThomasCannon, KevinClay, NicholasColangelo, RonaldCone, GlenDel Toro, GwendolynDixon, AndrewDornan, RobertFicarro, ElizabethFiloramo, MichaelFischer, MatthewForte, CarlGiordano, PaulGoldberg, DavidGrajeda, HugoHughes, ThomasJerkovic, PetraJones, AlexandraKim, JinilKoenig, NeilLentricchia, AugustLourdas, KonstantinosMezzio, RobertMiller, HughMorse, RobertNewman, RichardPapagni, MarkPenn Brokerage, LLCPolizzi, StephenRossano, JenniferSchulman, MichaelScott, Edward Jr.Simmons, MarcStover, Jack IIIThompson, PeterTitolo, JohnTong, JeanTurcio, JosephWelch, RickieWilliams, Russell

4 y JANUARY 2016 y MADP 2016 SEASON FINALE

“

”

Talk about a surprise ending! When the contest’s top performer couldn’t accept the prize due to a scheduling conflict, the honor went to Tom Payant. Tom and his wife, Robyn, flew from their home state of Florida to Dallas, where they enjoyed a December weekend of football, fine dining, and sightseeing with their host, Senior Vice President Charles Mankamyer.

What an awesome time we had in Dallas with Chuck! Everything was first class! Chuck treated us like royalty throughout the weekend. It was an experience of a lifetime!

The weekend began when the limo picked us up at the airport on Friday. Chuck met us at the hotel and we were taken to the Ritz Carlton, where we had a wonderful dinner with wonderful company.

On Saturday we spent the day with Chuck touring downtown Dallas. We went to a beautiful restaurant called the Savoy Restaurant in the heart of Dallas. After lunch we spent time visiting the open park and enjoying a crisp sunny afternoon before the limo picked us up for the big game.

We had so much fun! The Dallas Cowboys game was fantastic, as we were sitting on the 50 yard line! The stadium was beyond overwhelming!

Thank you for such a great weekend, and to top it off, it was Robyn's 60th birthday! She will always remember where she was and who she was with on her 60th birthday.

Chuck showed he really cared, and before the weekend was up, we were best friends for life.

Thank you for the time of our life!

ROBYN AND TOM PAYANT

AEP INCENTIVE CONTEST GRAND PRIZE WINNER

ON LOCATIONIN DALLAS WITH THE

5 y JANUARY 2016 y MADP 2016 SEASON FINALE MADP 2016 SEASON FINALE y JANUARY 2016 y 5

*THIS GUIDE PROVIDES TIPS FOR SUCCESS. AS AN AGENT, YOU ARE NOT REQUIRED TO FOLLOW THESE STEPS AND MAY FIND OTHER SALES METHODS THAT WORK FOR YOU.

2016 SEASON FINALE

SYNOPSIS: The end of the Medicare Advantage Disenrollment Period is fast approaching (Feb. 14) and the healthcare needs of thousands of Seniors hang in the balance. How will they choose their provider? Will they select another Medicare Advantage plan or return to Original Medicare and a Medicare Supplement Insurance policy? Will UA and First UA Agents find them in time to show them all the great ways a ProCare Medicare Supplement policy can meet their needs?

EXAMPLE OF A GOOD CLOSING SCENARIO:* When quoting cost, two or three options are best.

1 It empowers your prospect (It's their choice)

2 It removes the no. (One option is a choice….. yes or no)

3 It allows the client to think how much they may need (instead of whether they need it or not)

So, you’ve just shown your prospects plans F and HDF. After you finish your presentation you say:

“And, the nice thing is the cost. Give me a moment to prepare that for you.”

As you look up rates, make small talk. Silence can be deadly. Write out the two plans showing the monthly premium.

“For you and your spouse the entire cost is … (show them the two plans as you’ve written them out.) That’s it! After seeing the many benefits of our Medicare Supplement Insurance, which plan would you prefer?”

Break eye contact, look at the quotes, nod in the affirmative, and wait. Stay closed. Remember, the person who speaks first usually determines the outcome of the sale. Once they’ve made a choice it’s time to…

SOLIDIFY THE SALEReview the application with your client. Seeing all their information on it gives them ownership. Taking time to review on the spot can save you dollars later. It helps:

yWith app completion

y Reduce app errors

y Issue time and percentages

yWhen reviewing the application, end with the beneficiary

BUTTON UP THE SALEThen ask them to okay it as you show them where to sign. Remember, using the iGO e-App® streamlines this process and makes the sign-off easy – just hit ‘send’! Next you’ll want to ask. “Would you like to take care of this monthly or annually?”

Congratulations, you just successfully closed a sale! But wait, your job here isn’t done. Now, pivot to another great UA product …

In Maine and California, cross-selling of other products with Medicare Supplement Insurance policies at the same time is not permitted; a second visit is required.

Closing is where your job starts. Don’t fall apart at this point asking questions such as,

“Well, what do you think?” You’re asking for a contract, not an opinion.

Agents, only you can decide how MADP 2016 will end for you and the Seniors you serve. But, remember, the Home Office staff is standing by like a great supporting cast as you take the lead in making this MADP a season to remember. Use the following closing suggestions to help bring each case to a successful conclusion.

6 y JANUARY 2016 y MADP 2016 SEASON FINALE MADP 2016 SEASON FINALE y JANUARY 2016 y 7

MAKE

SPINOFFS A HIT!

MADP is in prime time until the season ends February 14, 2016, but after you’ve helped your

clients select a Medicare Supplement Insurance plan, a great sequel to your presentation might

be one or more other popular UA products.*

Of course, UA’s ProCare Medicare Supplement Insurance policy will always be the star of the

show during MADP, but these ‘spinoffs’ can play an important role in filling customer needs.

In Maine and California, cross-selling of other products

with Medicare Supplement Insurance policies at the same

time is not permitted; a second visit i

s required.

Need direction? No worries! Sign up today for one of our

exclusive training webinars and get all the information you need

to put some of UA’s most popular products in your lineup. For

a complete schedule of webinars, go to Agent Services online,

and stay tuned for more training opportunities….

Spinning off is easy when you use the iGo® E-App. With just one click, an

application for Final Expense Whole Life will pre-populate with your client’s

essential information. If you haven’t done so already, get certifie

d by completing a

UA E-App Certification Webinar so you can begin using this handy tool right away.

© 2015 United American Insurance Company. All rights reserved.

Our Juvenile Whole Life Insurance Policy

is All About Helping You Leave a Legacy!

Your grandchildren bring you

joy and remind you of life’s

most precious moments –

that first smile, first word, and

first step.

As your grandchildren grow

and experience the world

around them, unintentional

accidents become a part

of life. As they enter into

adulthood, life’s living

expenses become reality.

A Juvenile Whole Life

insurance policy may be able

to help your family prepare

for the unexpected and

provide financial protection

that can last a lifetime.

UAI3117(01)R

0915

1115

P.O. Box 3125 • Syracuse, NY 13220-3125

© 2015 First United American Life Insurance Company. All rights reserved.

Our Final Expense Insurance Policy

is All About Helping You Plan Ahead!

Planning now

makes good

financial sense!

The last thing you want loved

ones to say when planning

your final arrangements is,

“I can’t afford this.” Grieving

takes an emotional toll, and

it can be even more difficult

when there’s a financial

burden.

It’s never easy to think about

what life would be like for

your family after you’re gone.

But planning now can help

your loved ones focus on

the life you lived, and less on

your final expenses.

FUA3127

FD786R

UAI3030 1015

© 2014-2015 United American Insurance Company. All rights reserved.

Our Final Expense Insurance Policy

is All About Helping You Plan Ahead!

Planning now

makes good

financial sense!

The last thing you want loved

ones to say when planning

your final arrangements is,

“I can’t afford this.” Grieving

takes an emotional toll, and

it can be even more difficult

when there’s a financial

burden.

It’s never easy to think about

what life would be like for

your family after you’re gone.

But planning now can help

your loved ones focus on

the life you lived, and less on

your final expenses.

NA514

FUA2854 0514

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

Our Cash Cancer Plan is All About

Your Freedom to Choose!

“ It won’t

happen

to me.”

Did you know

cancer can strike

anyone, at anytime

regardless of age

or circumstances?

Often without

prior warning or

symptoms. You

probably know

someone who has

had cancer.

FC901

UAI2853 0714

© 2014 United American Insurance Company. All rights reserved.

Our Cash Cancer Plan is All About

Your Freedom to Choose!

“ It won’t

happen

to me.”

Did you know

cancer can strike

anyone, at anytime

regardless of age

or circumstances?

Often without

prior warning or

symptoms. You

probably know

someone who has

had cancer.

LIFE INSURANCE FOR CHILDREN

y Whole Life Coverage

y Benefit amounts from $1,000 - $25,000*

y Issue ages from 0 – 18**

y Cost never goes up; coverage never goes down

y Cash Value, paid-up insurance and extended term options

y Terminal Illness Accelerated Benefit R

ider is

included at NO additional cost***

y Product not available in MT

*$5,000 minimum in WA

** Grandparents can insure grandchildren under the age of

majority; child’s signature is not required

***Rider not available in all states (including NY)

LIFESTYLE SINGLE PREMIUM ANNUITY

y Minimum 3% Interest

y Withdrawal Charges Eliminated after Year 6

y Deposit

f Minimum $5,000

f Maximum $20,000

y Issue Limits Apply

y Issue ages: 0-80

y Hospitalization and Nursing Home Waiver of

Withdrawal charges available in most states

y Not available in: CO, MA, MN, or NY

FINAL EXPENSE WHOLE LIFE

y Benefit amounts from $1,000 - $25,000*

y Issue ages from 50 - 80**

y Terminal Illness accelerated benefit ri

der available at NO EXTRA COST***

y Simplified Issue

y Easy “Yes” or “No” questions

y Graded Benefit Plans available

y Substandard available in most states that don’t allow graded benefit

y Product not available in MT

*Benefit amounts vary by age. $5,000 minimum in WA.

**Maximum issue age varies by smoker status and/or answers on application

*** Available on standard plan codes for qualifying illness; rider not available in all states (including NY)

CASH CANCER POLICY

y First Diagnosis, Lump-Sum Benefit

f $10,000-$50,000

y Issue ages: 0-69, 0-64 in CA

y High Commissions and Renewals paid for life of policy

y Yes/No Applications

y Not available in: CT, MA, MN, NJ, SD, or WY

Product availability varies by state

P. O. BOX 8080 • McKINNEY, TEXAS 75070-8080

www.unitedamerican.com

USPDA02 USPDA02-AP

UAI0556 0115

United American

Can Offer You

A More

Secure Future

❖

Single Premium Annuity

❖

Tax-Deferred Growth

❖

Choice of Income Options

❖

Guaranteed Monthly Income

Payable At Maturity

❖

Guaranteed Base

Interest Rate

L I F E S T Y L EANN

UITY

8 y JANUARY 2016 y MADP 2016 SEASON FINALE MADP 2016 SEASON FINALE y JANUARY 2016 y 9

2015 EAGLES

PRESIDENT'S CLUB TOP 30 LIFE GENERAL AGENTS

PACESETTERS CLUB TOP 30 LIFE WRITING AGENTS

AGENT NAME AGENCYYTD PRODUCTION

1 Stephen Maisto Senior Health Solutions $1,289,892

2 AmeriLife $1,189,557

3 Paul Sheldon, CLU, ChFC Paul Sheldon Insurance & Benefits Planning $822,079

4 Kerry Sachs Secure Retirement Solutions, Inc. $724,461

5 Donna Ahlbum Ahlbum Insurance Agency $722,979

6 Robert Wroblewski SOS Insurance Group $684,299

7 John Clark Senior Solutions Insurance Agency $664,356

8 Christopher Graham, CLU Graham Financial Group, Inc. $536,701

9 Long Island Health Plans, Inc. $535,790

10 Lisa Rosati Rosati Insurance Agency $524,354

11 Senior Services of North America, Inc. $437,792

12 Joseph Maisonet Maisonet Insurance Agency $408,882

13 Edward Catron Catron Insurance Agency $397,126

14 Shawn Schroeder Jack Schroeder & Associates, Inc. $387,672

15 Scott Schwartz Insurance Protection Services $376,080

16 American Eagle Consultants, Inc. $371,054

17 Pierre Abadjian Abadjian Insurance Group $331,114

18 Richard Bowes Bowes Insurance Agency $312,036

19 Futurity First Insurance Group, Inc. $285,947

20 Brian Gilbert Gilbert Insurance Agency $280,226

21 Barabra Bowes Bowes Insurance Agency $273,768

22 Nur Ahmed Ahmed Insurance Agency $273,353

23 Centerstone Insurance & Financial Svcs. $273,072

24 Kenneth Lepage Lepage Insurance Agency $265,073

25 Your Health Insurance Agency, Inc. $259,869

26 Vincent Abbatiello Mainstay Retirement Solutions $252,611

27 Jackson Edwards Edwards Insurance Agency $247,892

28 Kenneth Harasym Harasym Insurance Agency $237,634

29 Joseph Jaffe Jaffe Insurance Agency $230,160

30 Valerie Bahlkow Bahlkow Insurance Agency $216,434

AGENT NAME AGENCY

1 Sheldon Reid Reid Insurance Agency

2 Ensurity Group, Inc.

3 AmeriLife

4 Owen Metts Metts Insurance Agency

5 Glen Doernberg Doernberg Insurance Agency

6 John Barberan Barberan Insurance Agency

7 Mike Reddy, CLU, LUTCF The Reddy Senior Insurance Group

8 Rose Marie Rey Rey Insurance Agency

9 Loren Olguin Olguin Insurance Agency

10 Vincent Abbatiello Mainstay Retirement Solutions

11 Henry Vazquez Vazquez Insurance Agency

12 Shamseldin Omer Omer Insurance Agency

13 Randall Schnack Schnack Insurance Agency

14 Sylvan-James Associates, Inc.

15 Benefit Plans of America, Inc.

16 Joseph Iannelli Iannelli Insurance Agency

17 Rita Livingston Livingston Insurance Agency

18 Kayleigh Meshil Meshil Insurance Agency

19 John Clark Senior Solutions Insurance Agency

20 Nur Ahmed Ahmed Insurance Agency

21 Taiwana Hixon Hixon Insurance Agency

22 James Craig Craig Insurance Agency

23 Lee Jernigan Jernigan Insurance Agency

24 Tim Doyle Doyle Insurance Agency

25 Patricia Campbell Campbell Insurance Agency

26 Andrew Whelan Whelan Insurance Agency

27 Michael Stevens Farm & Ranch Healthcare, Inc.

28 Dennis Murphy Murphy Insurance Agency

29 Deborah Walker Walker Insurance Agency

30 Thomas Taylor Taylor Insurance Agency

AGENT NAMEYTD PRODUCTION

1 Paul Sheldon, CLU, ChFC $822,079

2 Stephen Maisto $584,629

3 Tim Ahlbum $569,154

4 Kerry Sachs $378,160

5 Scott Schwartz $376,080

6 Russell Keil $323,640

7 Jason Stevens $315,590

8 Ray Stevens $313,142

9 Richard Bowes $312,036

10 Lisa Rosati $298,213

11 Devin Barta $290,395

12 Christopher Graham, CLU $277,436

13 Brian Gilbert $270,638

14 Edward Catron $262,913

15 Jon Ahlbum $258,966

16 Thomas Payant $253,799

17 Catherine Hatton $250,140

18 Kenneth Harasym $237,634

19 Eugene Ranney $233,126

20 Joseph Jaffe $224,484

21 Dexter Saylor $214,711

22 Peter Gratzon $214,551

23 Beverly Kingsley $212,836

24 Fred Ulayyet $212,063

25 Bruce Mayer $211,877

26 Joseph Kirby $206,832

27 Jackson Edwards IV $199,946

28 Gary Kempler $192,669

29 Aaron Gordon $189,148

30 Dani Chard $181,690

AGENT NAME

1 Bryan McGhee

2 Owen Metts

3 Glen Doernberg

4 John Barberan

5 Grace Evans

6 Mike Reddy, CLU, LUTCF

7 Rose Marie Rey

8 Arline Loux

9 Shamseldin Omar

10 David Miller

11 Randy Merrell

12 Larry Brooks

13 Edward Brownlee

14 Bertha Reed

15 Frederick Menslage

16 Victor Cabrera

17 Rita Livingston

18 Fito Menard

19 Taiwana Hixon

20 Jennifer Jelks

21 Vincent Abbatiello

22 James Craig

23 Lee Jernigan

24 Tim Doyle

25 Patricia Campbell

26 Andrew Whelan

27 Dennis Murphy

28 Deborah Walker

29 Bettyann Woodside

30 Armand Mooyman

1

2

3

5

4

1

2

3

5

4

Jon Ahlbum The Ahlbum Insurance

Group, Inc. $4,874,491

Catherine Hatton Long Island Insurance

Solutions $2,757,983

Mike Lemar Sunshine State Agency

$2,073,434

William Borosak Jr. Secure Financial

Group, LLC $1,919,076

Tim Ahlbum Health Coverage

Solutions $1,484,174

Ray Stevens Stevens & Associates

Insurance Agency, Inc. $1,344,671

Edward Shackelford The Assurance Group, Inc.

$1,266,243

Devin Barta Barta Insurance Agency

$1,055,395

Ron Concklin Rosenberg-Concklin, Inc.

$1,016,702

Scott Mednick Professional Insurance

Systems of Florida $845,541

Eagles Club is an elite group of Agency leaders representing the best of United American and First United American.

Through December 2015, these top producing General Agents and Agencies have the highest net combined annualized premium.

Through December 2015, these top producing General Agents and Agencies have the highest net life annualized premium.

Through December 2015, these top producing Writing Agents have the highest net life annualized premium.

Through December 2015, these top producing Writing Agents have the highest net combined annualized premium.

LIFE

10 y JANUARY 2016 y MADP 2016 SEASON FINALE MADP 2016 SEASON FINALE y JANUARY 2016 y 11

INTERCONTINENTAL CHICAGO MAGNIFICENT MILE

#UACONVENTION2017 JUNE 25-28, 2O17

WH

AT Y

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NEE

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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

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NEE

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UA

LIFY

IF

YO

U A

RE A

WR

ITIN

G A

GEN

T:

MONTH LIFE ONLY HEALTH ONLY COMBINED

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

JAN. $8,333 $12,500 $12,500

FEB. 16,667 25,000 25,000

MAR. 25,000 37,500 37,500

APR. 33,333 50,000 50,000

MAY 41,667 62,500 62,500

JUNE 50,000 75,000 75,000

JULY 58,333 87,500 87,500

AUG. 66,667 100,000 100,000

SEPT. 75,000 112,500 112,500

OCT. 83,333 125,000 125,000

NOV. 91,667 137,500 137,500

DEC. 100,000 150,000 150,000

Agents who contract after Feb. 1, are prorated for Convention qualification. For example, contract in March and the Agent life/health requirement is 10 months or $125,000 of combined NAP. Minimum NAP for an Agent who contracts in June is six months or $75,000 combined NAP. Agents must be contracted and produce at a six-month minimum

production level to be eligible for Convention. Non-standard (Disability) Medicare Supplement production will not count towards qualification for Convention, Awards or Club honors.