thursday february 28, 2013 - naifa dallas · 2014. 2. 21. · 19 3~nai fa -d l s 20 1 | february...

FEBRUARY 2013 | VOLUME 85 | NO. 6 A publication of the National Association of Insurance and Financial Advisors – Dallas

connections that count

IN THIS ISSUE:

5 | February Luncheon

7 | Need Continuing Education?

8 | Lunch and Learn: Business Planning with Disability Insurance

9 | Bowling Bash

10 | Insure Your Love

11 | Advisor of the Year and Hall of Fame

12 | World “CEries” Registration

13 | World “CEries” Sponsorships

14 | NAIFA Member Benefit

15 | YAT at Heart Campaign

16 | NAIFA-Texas Legislation Day & Annual Meeting Report

NAIFA-DALLAS PROGRAMThursday | February 28, 2013

NAIFA-Dallas and our 2012-13 Program Sponsor are proud to present:

Jason R. Bach, CFP® MassMutual Dallas-Fort Worth Managing Partner

“Everyone Communicates – Few Connect”see page 5

www.naifadallas.org

1913 ~ NAIFA-DALLAS ~ 2013

NAIFA-DALLAS was founded in 1913 as the Dallas Association of Life Underwriters (DALU)

http://www.plusgrouptx.com


| FEBRUARY 2013 | FAN | 2

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]

14990 Landmark Blvd., Suite 300Dallas, TX 75254



REGISTRATION FORM

NAIFA-DALLAS PROGRAM PAGE 5

2012-13 Program Sponsor: The Plus Group Date Time Location Cost

2/28/13 11:15 am - Prestonwood Country Club $20.00 Pre-registered 2013 NAIFA-Dallas Members & their guests 1:00 pm 15909 Preston Road $25.00 at the Door $30.00 Non-members Dallas, TX 75248 2012-13 Meal Plan 2012-13 President’s Cabinet-Prepaid $20.00 Guest of Honor Agency (MassMutual Dallas-Fort Worth)

Welcome MassMutual Dallas-Fort Worth – February Honor Agency

CE PROGRAM | Following NAIFA-Dallas Luncheon at Prestonwood Country Club PAGE 7

Date Time Course Member | Non-Member 2/28/13 1:15-3:15 pm Executive Benefit Planning with Life Insurance FREE | $45.00

(2 hrs CE) Moderated by Allan Jackson, CFP, CLU, ChFC, FLMI, MSFS, MSM, CASL Sponsored by MassMutual Dallas-Fort Worth

BOWLING BASH PAGE 9 Date Time Location Cost

3/5/13 5:30-9:00 pm Strikz $30 per player 8789 Lebanon Road, Frisco, TX 75034 $15 per person (no bowling)

Sponsorship Opportunities | See page 9 for sponsor benefits PAGE 9

CLL CLASSES PAGE 7 Date Time Course Location Member | Non-Member

2/7/13 9:30-11:30 am Texas Regulations & Ethics (2 hrs CE) NAIFA-Dallas $25.00 | $45.00 6/27/13 1:15-3:15 pm Texas Regulations & Ethics (2 hrs CE) Prestonwood CC $25.00 | $45.00

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 | FAX: 972.934.1217 SCAN/EMAIL: [email protected] | ONLINE: www.naifadallas.org

No refunds unless 24-hour cancellation notice is given.

WORLD CERIES PAGES 12-13 (Insurance CE only – no CFP)

Title Sponsors: Ameritas/The DI Center | MassMutual Dallas-Fort Worth | Securian Date Time Location Early Bird Member | Non-Member

5/3/13 12:30-5:30 pm Classes The Ballpark at Arlington $125.00 | $150.00 6:00 pm Dinner | 7:05 Ballgame Hall of Fame Building See page 12 for registration form

Sponsorship Opportunities | See page 13 for sponsor benefits PAGE 13

LUNCH AND LEARN PAGE 8

Date Time Course Location Cost 2/7/13 11:30 am-12:30 pm Business Planning with Disability Ins. NAIFA-Dallas FREE to members 2/21/13 (1 hr CE) Moderated by Tom DuRoss and prospects

(same class) Sponsored by The Plus Group



2012-13 BOARD OF DIRECTORS

MembershipEricka UptonExamOne972.617.9444 phone972.617.6165 [email protected]

Member InvolvementClaudia Foraker, NRCMAInsurmed Services972.404.8113 phone972.404.8116 [email protected]

Government RelationsJason R. Bach, CFPMassMutual972.348.6317 phone972.348.6399 [email protected]

Community RelationsCheri C. StanwixStanwix Insurance and Benefits214.455.6623 [email protected]

PresidentBeverly A. Norman, SGSAetna Small Group469.222.6055 phone860.754.1959 [email protected]

President-ElectLaura BiesemeyerAmeritas/The DI Center972.774.9663 phone972.774.1792 [email protected]

Professional DesignationsJeff Derdiger, CLTCPrescott Pailet Benefits214.739.5442 phone214.739.5625 [email protected]

Planning & DevelopmentBrad W. Campbell, CLU, ChFC, CASLState Farm214.361.6500 phone214.363.7602 [email protected]

ProgramsChristi M. Daughenbaugh, CLTC, CSABorden Hamman Agency214.349.4911 phone214.204.9219 [email protected]

SecretaryGrover BrillhartARMOR Wealth Management972.980.9600 phone972.980.8515 [email protected]

Treasurer/Chief Investment OfficerMel Meyers, CLU, ChFC, AEP Penn Mutual972.980.9600 phone972.980.8515 [email protected]

Immediate Past PresidentSteve Anderson, LUTCFMutual of Omaha Companies972.424.0484 x238 phone972.424.0307 [email protected]

National CommitteewomanTallie O. Young, RFC, LUTCFTallie O. Young & Associates214.420.0158 phone214.420.0174 [email protected]

NAIFA-Texas TrusteeJohn M. Connally, LUTCFFinancial Protection Corporation972.612.7196 phone972.519.0457 [email protected]

Executive Vice PresidentKaren H. TrueNAIFA-Dallas972.991.2364 phone972.934.1217 [email protected]

OFFICERS

NAIFA-DALLAS STAFF 972.991.2364 | Fax 972.934.1217 | www.naifadallas.orgKaren True, Executive Vice President | [email protected] Pam Thompson, Executive Administrative Assistant | [email protected]

IMPORTANT NUMBERSDAHU | Doris Waller | 972.804.9663Dallas Estate Planning Council

Teresa Moore | 214.340.8020FPA DFW | Melisa Hall | 972.747.0407IFAPAC | Jason Bach | 972.348.6317

IFAPIC | 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 | Patricia Pattison | 817.370.8942

DIRECTORSCONTENTS 3 | Registration Form

4 | Officers, Directors and Staff

4 | Important Numbers

5 | NAIFA-Dallas Program, 2/28/13 Jason Bach, CFP Everyone Communicates – Few Connect

5 | Association Calendar

6 | President’s Message

6 | 2012-13 President’s Cabinet

7 | CE Following 2/28/13 Luncheon Executive Benefit Planning with Life Ins.

7 | Texas Regulations & Ethics Course

8 | Lunch and Learn: Business Planning with Disability Insurance

8 | LUTC Course

9 | NAIFA-Dallas Bowling Bash

10 | Insure Your Love

11 | Advisor of the Year and Hall of Fame Nomination Form

12 | World “CEries” Registration

13 | World “CEries” Sponsorships

14 | NAIFA Member Benefit: E&O Insurance

15 | YAT at Heart Campaign

15 | Welcome New Members

16 | NAIFA-Texas Convention Report

17 | Karen’s Korner

18 | Thank You Sponsors & Exhibitors

ADVERTISER INDEX 17 | Aetna

19 | Ameritas/The DI Center

10 | ARMOR Wealth Management

8 | Dwight Otto Brokerage

7 | The Fisher Agency

2 | The Guardian Life Insurance Company

14 | The Hartford

15 | Insurance Designers

10 | MassMutual Dallas-Fort Worth

8 | Rice & Rice, PC

NAIFA–DALLAS Editorial and Advertising Office16990 Dallas Parkway, Suite 212 Dallas, TX 75248 972.991.2364 | Fax 972.934.1217 www.naifadallas.org | [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.

Financial Advisor NewsFAN



February Honor Agency is MassMutual Dallas-Fort WorthPre-register and you will be seated at the honor Agency reserved table.

TO REGISTER: Fill out the registration form on page 3 and submit via: Fax: 972.934.1217 or Scan/Email: [email protected] or Register Online: naifadallas.org

Save the Dates

NAIFA-DALLAS PROGRAMThursday | February 28, 2013 | Prestonwood Country Club

NAIFA-Dallas and our 2012-13 Program Sponsor are proud to present:

Connecting increases your influence in every situation. If you can connect with others – one-on-one, in groups, and with an audience – your sense of community improves, your ability to create teamwork increases, and your influence skyrockets. People who connect with others have better relationships, experience less conflict, and get more things done than those who cannot connect. Leaders who have learned the art of connection are able to communicate their ideas persuasively, establishing buy-in and attracting followers.

Only one thing stands between you and success. It isn’t experience; it isn’t talent. If you want to succeed, you must learn how to connect with people. And while it may seem like some people are just born with it, the fact is anyone can learn how to make every communication an opportunity for a powerful connection.

Jason Bach, CFP currently serves as the Managing Partner of MassMutual Dallas-Fort Worth, a comprehensive financial services firm that is rapidly growing in North Texas. His responsibilities include but are not limited to recruiting, developing and leading new associates to this financial organization. Through team leadership we are capable of developing

inexperienced associates to success levels that cause the individual to outpace the industry by a wide margin.

Bach joined MassMutual in October of 2003 as the Investment Specialist. In June of 2004, he was named Sales Manager and was named Rookie Sales Manager of the Year during his first year. He has worked his way up to a partnership role, working closely

with other sales managers for the growth and development of associates.

Jason is a graduate of Florida Atlantic University where he majored in Finance. He is an alumni of Delta Sigma Pi and the Financial Management association. He has completed the Certified Financial Planner educational program and has been designated as a Certified Financial Planner. Jason is currently a member of NAIFA-Dallas, Financial Planning Association (FPA), and also sat on the steering committee for the Tennessee American Business Ethics Award for the Society of Financial Services Professionals.

Jason resides in Plano with his wife, Meredith, and their two children, Hannah Rae and James Alexander. When he is not spending time with his family, church or work, he will squeeze in a game of racquetball.

2013

2/7 | Estate Planning Council N TX Steve Akers – Estate Planning Current Developments and Hot Topics Bent Tree Country Club 12:00 - 1:30 pm

2/12 | FPA DFW Seminar Series You’re a Financial Planner, Now What? Weaver Wealth Mgmt office 6:30 - 7:30 pm

2/13 | WIFS Luncheon Anne Salick – Go Red: Our Story for Women, by Women Neiman Marcus Cafe, NorthPark 11:30 am - 1:00 pm

2/20 | DAHU Meeting Self Funding and Defined Contribution Prestonwood Country Club 11:30 am - 2:00 pm

2/26 | FPA DFW Media Training Day Maggiano’s NorthPark 10:00 am - 12:30 pm

2/28 | NAIFA-Dallas Luncheon & CE Jason Bach, “Everyone Communicates, Few Connect” CE: Executive Benefit Planning with Life Insurance CE Sponsor: MassMutual Dallas-Fort Worth

3/5 | NAIFA-Dallas Bowling Bash see page 9

3/28 | NAIFA-Dallas Luncheon & CE YAT Awareness Month Carolyn Rossi, LTCI and Linked Benefits CE Sponsor: MassMutual

4/25 | NAIFA-Dallas Luncheon & CE Advisor of the Year & Hall of Fame – see page 11

5/3 | NAIFA-Dallas World “CEries” at The Ballpark The Ballpark in Arlington see pages 12-13

6/9- | MDRT Annual Meeting Philadelphia, PA

6/27 | NAIFA-Dallas Luncheon & CE Celebration of Achievement Installation of 2013-14 Officers and Directors 2-Hr CE: Texas Regulations and Ethics

10/11 | NAIFA-Dallas Golf Tournament The Courses at Watters Creek

Jason R. Bach, CFP®

MassMutual Dallas-Fort Worth Managing Partner

“Everyone Communicates – Few Connect”

6/12

http://www.naifadallas.org

http://www.plusgrouptx.com



PRESIDENT’S MESSAGEBeverly A. Norman, SGS | 2012-13 NAIFA-Dallas President

It pays to be a member of NAIFA!

On January 22nd, 130 NAIFA-Texas m e m b e r s , along with c o l l e a g u e s from the Texas

Association of Health Underwriters and the Texas Association of Life and Health Insurers, took to the Capitol to meet with legislators and their staff regarding issues of importance to our industry. With roughly one of every four members of the 83rd Texas Legislature in their freshman term, there was ample opportunity to forge new relationships. Tallie O. Young (NAIFA-Dallas National Committeewoman), Lane Boozer (NAIFA-Texas Secretary/Treasurer) and I met with

freshmen Representative Ron Simmons and his staff. Representative Simmons had just attended a congressional budget review and asked us how was it possible to see a line item stating healthcare will be more affordable in 2014 through the state exchanges. Tallie, Lane and I paused and looked at one another, and in that moment we felt the excitement of why we were there representing NAIFA and our livelihood. Being able to educate our legislators and their staff on issues that affect our clients, careers and families might be fundamentally one of the most important roles we have as NAIFA members. Our members shared valuable information on everything from 403(b) and 457(b) retirement plans for Texas public school employees, to health insurance/PPACA mandates, to the long-term viability of the Texas Windstorm Insurance Association. I look forward to visiting Representative Simmons when he returns to his home

district in Carrollton, Texas. If you would like to become more active and meet with your Texas Congressmen, please contact our NAIFA-Dallas office, and we will assist in building a relationship.

Enjoy attending association luncheon meetings that are lively, informative and share at least one new sales idea which will help grow your business? It will be well worth your time to attend our February 28th monthly luncheon as our speaker is our own NAIFA-Dallas Government Relations Chair, Jason Bach, CFP with MassMutual Dallas-Fort Worth (see page 5). Jason brings an energy and passion to our NAIFA-Dallas board meetings that revitalizes us and keeps us creative as a team. Look forward to seeing you at the luncheon.

2012-13 President’s Cabinet | Beverly A. Norman, SGS(at press time)

Steve Anderson, LUTCF

David Ayres, CLU

Jason Bach, CFP

Fred Badyna, CLU, ChFC

Laura Biesemeyer, FLMI

David Blanchard, CLU, ChFC

Lane Boozer, LUTCF

Grover Brillhart

J.C. Bryan, CLU, LUTCF

Brad Campbell, CLU, ChFC, CASL

Howard Cohen, CLU, CFS

Scott Cohen, CFP, CFS

John Connally, LUTCF

Jim Coyle, CLU, RHU, REBC

C. Tait Cruse, CLU

Christi Daughenbaugh, CLTC, CSA

Jeff Derdiger, CLTC

Scott Dial

Tom DuRoss

Donna Thomas Edwards, LUTCF

Mike Evans, CLU, ChFC, LUTCF

Danny Fisher, CLU, ChFC

Randy Ford, CLU, ChFC

Frank Frey, CLU, LUTCF

James Garner, CLU, ChFC

Andra Grava, CLU, RHU

Stephen Harris, CLU, ChFC

Todd Healy, CLU, ChFC, AEP

Garry Kinder

Gary Lewis

Lloyd Lowe, Sr.

Joseph Mahoney, CLU, ChFC

Lee McCasland, CLU, ChFC

Jay McCluskey, CLU, ChFC, MSFS, MBA

Jack McGrael, CLU, ChFC

Mel Meyers, CLU, ChFC, AEP

Yuka Nakahara-Goven, CLU, MBA

John Norman, CLU, ChFC

Dwight Otto, CLU, ChFC

Joe Radovic, CLU, ChFC, CFP

Lee Ripley

Cheri Stanwix

Burl Wood, CLU, ChFC

Tallie O. Young, RFC, LUTCF



2-Hr CE Following 2/28 LuncheonSponsored by: MassMutual Dallas-Fort Worth1:15 - 3:15 pm | Prestonwood Country Club | 15909 Preston Road, Dallas, TX 75248 2-Hour CE Course | FREE NAIFA-Dallas Members | $45.00 Non-Members

Executive Benefit Planning with Life InsuranceCOURSE DESCRIPTION: This 2-hour course will educate producers on types of executive benefits planning strategies including the Non-Qualified Deferred Compensation, Split Dollar Plans, and Section 162 Bonus Plans. This course will also cover the uses of life insurance in these

plans.

MODERATOR: Allan Jackson, CFP®, CLU, ChFC, FLMI, MSFS, MSM, CASL™ 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 MassMutual Dallas-Fort Worth’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.

Al graduated from the University of Nebraska with a bachelor’s degree in Economics and earned Master’s Degrees in both Financial Services and Management from The American College.

SPONSOR: MassMutual Dallas-Fort Worth | Jason Bach, CFP | [email protected] N. Central Expressway, Suite 1200, Dallas, TX 75231 | 972.348.6317

TO REGISTER: Fill out the registration form on page 3 and submit via: Fax: 972.934.1217 or Scan/Email: [email protected] or Register Online: naifadallas.org

CLL Classes | Texas Regulations and EthicsFebruary 7, 2013 | 9:30 - 11:30 am | NAIFA-Dallas office 2-Hour CE Course | $25 NAIFA-Dallas Members | $45.00 Non-Members

COURSE DESCRIPTION: Every two years, like clockwork, when you review your clients’ needs, you also renew your insurance license. That’s when you come see Dan Anderson to get your two-hour CE credit for Texas Regulations and Ethics. Sure, you can take it online and fall asleep, or you can spend time with Dan and at least be entertained, as well as educated. You see, you already know nearly everything he will impart upon you; you have simply repressed the information. He will reach into your brain and extract it, bringing it back to the surface where you can utilize your values. The Regulation part is the rules; the Ethics part is how to behave. He’ll re-teach you your insurance manners. Heck, he’ll even guarantee his dividends if you’ll pay your premiums! Come find out why and how.

MODERATOR: Daniel R. Anderson, CFM has built his career on providing a holistic approach to helping families protect against premature death or disability, as well as helping them plan for their retirement years. Daniel graduated from Texas A&M University in 1994 with a degree of Bachelor of Business Administration - Finance. He had always wanted to be a financial advisor and is actually following in the footsteps of his father who has been a financial advisor for more than 35 years. Daniel started his financial services career in 1996 with Merrill Lynch where he completed their Professional Development Program and obtained his Certified Financial Manager designation. He has been an advisor with Armor Wealth Management/Ayres Financial Group since 2001.

Website Links(click to visit websites)

ACLI (American Council of Life Insurance)

The American CollegeDAHU (Dallas Association of Health

Underwriters)Dallas Bar AssociationDallas Estate Planning CouncilFPA DFW (Financial Planning

Association of Dallas/Fort Worth)GAMA (General Agents & Managers

Association)LIFE (The Life and Health Insurance

Foundation for Education)LIMRA (Life Insurance Marketing &

Research Association)LUTC (Life Underwriter Training Council)NAIFA (National)NAIFA-Texas (State)NAIFA-DallasMDRT (Million Dollar Round Table)SFSP (Society of Financial Service

Professionals)SFSP Dallas ChapterTDI (Texas Department of Insurance)WIFS (Women in Insurance and

Financial Services)


http://www.acli.com/Pages/DefaultNotLoggedIn.aspx

http://www.theamericancollege.edu/

http://www.dahu.org/

http://www.dallasbar.org/

http://www.dallasepc.org/

http://www.fpadfw.org/

http://www.gamaweb.com/

http://lifehappens.org

http://www.limra.com/

http://www.theamericancollege.edu/insurance-education/lutcf-insurance-skills

http://naifa.org/

http://www.naifa-texas.org/


http://www.mdrt.org/

http://www.financialpro.org/

http://www.financialpro.org/microsites/pg.cfm?pg_id=21

http://www.tdi.texas.gov/

http://www.wifsnational.org/

mailto:[email protected]

http://www.mrannuity.com



DOB NAIFA Ad 2007.pdf 1 6/12/12 11:17 AM

(972) 997-8220

Lunch and LearnSponsored by: The Plus Group2/7/13 & 2/21/13 | 12:00 - 1:00 pm | NAIFA-Dallas | 16990 Dallas Parkway, Suite 212 1-Hour CE Course | FREE NAIFA-Dallas Members and Prospects | Lunch Provided

Business Planning with Disability InsuranceCOURSE DESCRIPTION: Attendees will learn how to incorporate the sale of business products like Buy Sell, Business Overhead and Key Person into their sales routines and can increase sales production without increase prospecting efforts.

MODERATOR: Tom DuRoss is a Disability Income Specialist with The Plus Group. Tom began his career with Provident Life & Accident (now UnumProvident) in 1979 as a disability brokerage representative in Los Angeles, CA. He was transferred to Dallas in 1987 in order to manage the sales and claims operations for Provident. Since that time, Tom has worked in disability sales management and individual disability brokerage with territories in Dallas, Fort Worth and Oklahoma. Throughout his career, Tom has taught courses for the Life Underwriters Training Council and is

an approved instructor for Continuing Education courses in Texas. He has been a speaker and panelist with a number of Underwriter Associations in California and Texas and was a speaker at the International Association of Financial Planners in Dallas, Texas.

Tom continues to work as a disability sales representative in North Texas with The Plus Group, a Master General Agency for a number of excellent carriers.

He graduated from Loyola University (Los Angeles) in 1973 with a B.A. in English. Tom has been married to his wife, Kass, since 1979, and together they have one daughter and three sons. The DuRoss family makes their home in Plano.

SPONSOR: The Plus Group | Reed Schnittker | [email protected] Dallas Parkway, Suite 430, Plano, TX 75093 | 972.943.9999 | www.plusgrouptx.com

American College CourseFA211 – Essentials of Disability Income InsuranceStart Date: 2/5/13 | Tuesdays 9:00-11:30 am

Location: Guardian | 14990 Landmark Blvd., Suite 300, Dallas, TX 75254

Moderator: Scott Dial

Register online at: www.TheAmericanCollege.edu

For more information, please contact Jeff Derdiger, CLTC at 214.739.5442 or [email protected]

Happy Valentine’s

DayThursday,

February 14, 2013



NAIFA-DALLAS PRESENTS

3rd ANNUAL BOWLING BASHTuesday, March 5, 2013

STRIKZ8789 Lebanon Road | Frisco, Texas 75034

Registration: 5:30 pm - 6:00 pm Practice: 6:00 pm - 6:30 pm

HARD START: 6:30 pm - 8:30 pm – Bowl 2 games Awards: 8:30 pm - 9:00 pm

READY, SET, Bowl at STRIKZ in Frisco’s 12-lane private room. Make it a team-building night for your agency, family and friends!

PRIZE DRAWINGS | SILENT AUCTION | CASH BAR

TEAM & INDIVIDUAL REGISTRATION (no more than 6 to a lane)

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


MAIL TO: NAIFA-Dallas, 16990 Dallas Parkway, Suite 212, Dallas, Texas 75248 | FAX: 972.934-1217 SCAN/EMAIL: [email protected] | ONLINE: www.naifadallas.org

Name _______________________________________________ Company ________________________________________________

Address _____________________________________________ City ___________________________ State _____ Zip ____________

Phone ________________________ Fax _______________________ Email ________________________________________________

Sponsorship Package @ $350 Individual Sponsor @ $200 Per Player: ___ @ $30 ea. = $_______ Per Person (no bowling): ___ @ $15 ea. = $_______

Total to be paid by check (payable to NAIFA-Dallas) or credit card: $_______ Questions? Call NAIFA-Dallas (972) 991-2364

TEAM NAME _____________________________________________

1) Name _________________________________ Shoe size _____ 4) Name ________________________________ Shoe size ______

2) Name _________________________________ Shoe size _____ 5) Name ________________________________ Shoe size ______

3) Name _________________________________ Shoe size _____

(if known) (if known)

(if known) (if known)

(if known)

SPONSORSHIP PACKAGE – $350 Includes a team of five (5) players – 2 games, bowling rental shoes, pizza buffet, soda;

your agency logo/advertisement placed on the BIG SCREENS during the Bowling Bash and in the upcoming FAN issues (NAIFA-Dallas’ monthly magazine that reaches 600 members in the Financial and Insurance industry)

INDIVIDUAL SPONSORSHIP – $200 Everything mentioned above, excluding the bowling team of five (5) players.

PER PLAYER REGISTRATION – $30 Includes 2 games, bowling rental shoes, pizza buffet, soda

PER PERSON REGISTRATION – $15 Includes pizza buffet and soda – EXCLUDES BOWLING



Con�dence.THAT’S THE SIGN OF A GOOD DECISION.

Dallas - Fort Worth

MassMutual Financial Group refers to Massachusetts Mutual Life Insurance Company (MassMutual), its affiliated companies and sales representatives. CRN201212-143123

To learn more, contact:Jason Bach, CFP®, General AgentMassMutual Dallas-Fort Worth

10000 North Central Expressway, Suite 1200, Dallas, TX 75231

Resources to Help Your Clients “Insure Their Love”LIFE Foundation

Each year during February, the LIFE Foundation coordinates the Insure Your Love campaign. It’s an industry-wide public education campaign that reminds Americans of the need to protect the ones they love through proper life insurance planning.

The campaign is built around the simple concept that people buy life insurance because they love those close to them and want to protect them financially. To help with your marketing and outreach efforts, LIFE has created an e-Kit filled with the resources you need to easily pull together an effective Insure Your Love campaign.

INSURE YOUR LOVE CAMPAIGN OFFICIALLY LAUNCHED!Insure Your Love campaign is officially launched and will run throughout the month of February, the month of love. Turnkey planning tools are available at www.lifehappens.org/lovekit and provide everything you need to launch your own Insure Your Love campaign.

INSURE YOUR LOVE PRODUCTSUse these great Insure Your Love-themed products to help deliver the Insure Your Love message during the campaign – and beyond. View all the Insure Your Love products at www.lifehappens.org/loveproducts.

www.lifehappens.org/lovekit

http://www.armorwealth.com




Lucy Dulin, CLUHenry DuBois, CLUCharles Bradford, CLUAustin RinneEd Daniels, CLU, ChFCMel Isaacs, CLUBuddy Blankenship, CLU, ChFC

J.C. Bryan, CLU, LUTCFR. Keith WhiteLayden L. Stroud, Jr.John L. (Jack) McGrael, CLU, ChFCJames W. Rutledge, CLU, ChFCJames Benjamin, CLUH. Dan Smith, CLU, LUTCF

Lee McCasland, CLU, ChFCDanny H. Fisher, CLU, ChFCR. Allen Angell, CLU, ChFCWilliam L. Montague, CLU, ChFCStephen L. Harris, CLU, ChFCDavid E. Ayres, CLUMelvin P. Meyers, CLU, ChFC, AEP

David G. Blanchard, CLU, ChFCDwight R. Otto, CLU, ChFCJohn W. Ackley, CLUBeth Henderson, CLU, ChFC

2012 Advisor of the Year Nomination FormI wish to nominate for Advisor of the Year: Due March 1, 2013

Nominee Name ____________________________________________ Company Affiliation ____________________________________________________

Provide as much information as you can in the following areas that makes this person a great nomination for NAIFA-Dallas Advisor of the Year.

Industry Service ________________________________________________________________________________________________________________

Community Service _____________________________________________________________________________________________________________

Personal Production success _____________________________________________________________________________________________________

Name & Address of person filing this nomination _______________________________________________________________________________________

Please mail this form to: NAIFA-Dallas, 16990 Dallas Parkway #212, Dallas, TX 75248, fax to: 972.934.1217, or scan & email to: [email protected]

The Hall of Fame award was initiated in 1985 to recognize those members who have given long and meritorious service to our industry and our association. O.C. Jackson, CLU was the charter member of this prestigious group, and following his death in May 2007, this award was lovingly renamed the O.C. Jackson Hall of Fame in his honor. He was followed by:

This award will now be decided by a Nominating Committee of the last five (5) available O.C. Jackson Hall of Fame recipients.

This award is unique to NAIFA-Dallas and is given only for exceptional contributions of time and effort over a period of many years, which have benefitted the industry and our association. Nominees will be submitted by the past five (5) recipients to a nomination committee consisting of three (3) current NAIFA-Dallas Board members. The nomination committee will make a final decision based on the nominations submitted and reviewed.

The winners will be announced at our April 2013 Awards luncheon.

New Guidelines for 2012 ADVISOR OF THE YEAR

New Guidelines for 2012 O.C. JACKSON HALL OF FAME

Nominations for the prestigious Advisor of the Year award are now being accepted. The purpose of this award is to recognize and honor one of our members for outstanding service and achievement. The announcement of the recipient each year has become one of the most anxiously awaited events. Previously we have honored:

Stephen H. Casey, CLUMark S. Tolle, CLUEdwin R. Daniels, CLU, ChFCJames W. Rutledge, CLU, ChFCMelvin P. Isaacs, CLUO.C. Jackson, CLUNeill S. McLeod, CLU, ChFCH. Dan Smith, CLU, LUTCFRobert M. Lamoreaux, CLU, CFP

Linda Polson-WallaceCheryl FairchildGeorge F. “Pete” Tatman,

CLU, ChFCDanny H. Fisher, CLU, ChFCJay K. Lonborg, CLU, ChFCMark D. Schooler, CLULarry W. Burgess, CLU, ChFCJohn D. Bounds, CLU, ChFC

James H. Benjamin, CLUDavid G. Blanchard, CLU, ChFCStephen L. Harris, CLU, ChFCR. Allen Angell, CLU, ChFCLee McCasland, CLU, ChFCChris A. Newberry, CLU, ChFCMelvin P. Meyers, CLU, ChFC, AEPThomas W. Rutledge, CLU, ChFCCylinda A. Clark

Daniel A. PrescottA. Andra Grava, CLU, RHUDavid G. Boykin, LUTCFJohn M. Connally, Jr., LUTCFThomas M. DuRossPatrick R. WilderJ. Lee RipleyTallie O. Young, RFC, LUTCF

For the period of July 1, 2011 through June 30, 2012, the following areas of qualification will be given consideration:

• Allmembersareeligibleexceptpastrecipients,thecurrentImmediatePastPresident,currentPresidentandcurrentPresident-Elect.

• Criteria: Association (NAIFA-Dallas) is required. Nominations will be scored in the following four (4) areas: Service-50 points; Other Association Service-25; Community Service-15; Production-10. A perfect score would be 100.

• Allcreditedassociation(NAIFA-Dallas)servicemusthavebeendonewithinthelast36months.Anyservicenotdoneinthelast36monthsshouldnotbelisted on the application or considered. All service of any kind needs to be designated when it was performed. A minimum of 5 years NAIFA membership is required.

Information on each nominee is reviewed by a Nominating Committee consisting of three (3) current NAIFA-Dallas Board members. The Nominating Committee will meet to review ballots, then select and approve one nominee to be the recipient of the award based on the information provided in the four (4) scored criteria. The award recipient will be notified once final selection is made, and will be presented with the award at the April 2013 Awards luncheon.



NAIFA-Dallas & TITLE SPONSORSpresent

11th Annual World CEries (formerly known as the Race for CE)

Friday, May 3, 2013 | The Ballpark at Arlington Texas Rangers vs. Boston Red Sox

Registration/Classes: 12:30 - 5:30 pm | Dinner: 6:00 pm | Ballgame: 7:05 pm

WORLDCERIES

2013 NAIFA-DALLAS

+ Up to 20 BASIC & ADVANCED Sessions+ 4 Hours of Continuing Education (CE) – Insurance CE only – no CFP+ Industry Trade Show with PRIZES* *Must be in attendance to win prizes+ 1 ticket for the May 3rd Texas Rangers vs. Boston Red Sox baseball game (seat reserved in the NAIFA-Dallas section – only 220 seats available – first come, first served)+ Barbecue Dinner & Reserved Covered Seating for Ballgame

Early Bird SPECIAL (Early Bird extended to 2/28!)

TOTAL PRICE = $125, Your Ticket Value = $300

NAIFA / FPA / NAHU / SFSP / WIFS Members Non-MembersEarly Birds (by 2/28/13) $125.00 $150.00Procrastinators (’til sold out) $150.00 $175.00Guests (game & dinner only) $75.00 $75.00Block Tickets (Agency) 5 tickets @ 5% discount on Early Bird price = $595 ($750 value) 10 tickets @ 10% discount on Early Bird price = $1,125 ($1,500 value) 15 tickets @ 10% discount on Early Bird price = $1,700 ($2,250 value)

WORLD CERIES EARLY BIRD REGISTRATION

Name ___________________________________ Company ___________________________________ TDI License # _______________

Address _____________________________________________________________ Local Association ___________________________

Phone _____________________ Fax _____________________ Email ____________________________________________________

____ Member tickets to World CEries @ $125.00 + ____ Guest tickets to game/dinner @ $75.00 = $__________

____ Non-Member tickets to World CEries @ $150.00 + ____ Guest tickets to game/dinner @ $75.00 = $__________

Block Tickets 5 tickets = $595.00 10 tickets = $1,125.00 15 tickets = $1,700.00

Yes, I am staying for dinner. Yes, I will have a guest. Name of guest: __________________________________________

Check (payable to NAIFA-Dallas) Charge (circle one) VISA MC AMEX


MAIL TO: NAIFA-Dallas, 16990 Dallas Parkway, Suite 212, Dallas, Texas 75248 | FAX: 972.934-1217 SCAN/EMAIL: [email protected] | ONLINE: www.naifadallas.org



World “CEries” Sponsors

(at press time)

Title SponsorsAmeritas/The DI Center

MassMutual Dallas-Fort Worth

Securian

PlatinumAssurant Health

GoldNational Life Group

State Farm

Stella & Dot

World “CEries” SponsorshipsMay 3, 2013 | The Ballpark at Arlington | Hall of Fame Building

Diamond Sponsor | $7,500 | 1 available Payment Terms: $3,750 with application; $3,750 balance due February 2013• Exclusive Sponsor of the On-Field Experience – Diamond Sponsor and up to 24 guests see the

action on the field from the players’ perspective during the visiting team’s batting practice for 30 minutes.

• Conference Participation – 12 DAY event registrations (includes CE event); 24 EVENING event registrations for dinner and reserved seating for the Texas Rangers vs. Boston Red Sox ballgame (NAIFA-Dallas must have number of attendees for the ballgame by March 1st or we cannot guarantee a ticket to the ballgame).

• CE Speaker and Exhibit Space Sponsorship – Three 1-hour CE sessions in the Texas Rangers Hall of Fame Theater; One Exhibit table

• Public Relations – Event Diamond Sponsor Recognition in all promotional material; logo and web link on the World CEries section of NAIFA-Dallas website; prominent Diamond Sponsor placement in event brochure. Goodie bag opportunity to supply the registration bag that each attendee will carry for the day and ability to place “take away” items in each bag. A very unique venue from which to network with top insurance and financial services representatives.

Title Sponsor | $2,500 | 4 total – only 1 available (non-competing companies only) Payment Terms: $1,250 with application; $1,250 balance due February 2013• Conference Participation – 8 DAY event registrations (includes CE event); 16 EVENING event

registrations for dinner and reserved seating for the Texas Rangers vs. Boston Red Sox ballgame (NAIFA-Dallas must have number of attendees for the ballgame by March 1st or we cannot guarantee a ticket to the ballgame).

• CE Speaker and Exhibit Space Sponsorship – Two 1-hour CE sessions; One Exhibit table• Public Relations – Event Title Co-Sponsor Recognition in all promotional material; logo and

web link on the World CEries section of NAIFA-Dallas website; Title Co-Sponsor placement in event brochure. Goodie bag opportunity to supply the registration bag that each attendee will carry for the day and ability to place “take away” items in each bag. A very unique venue from which to network with top insurance and financial services representatives.

Platinum Sponsor | $1,500 Payment Terms: $750 with application; $750 balance due February 2013• Conference Participation – 4 DAY event registrations (includes CE event); 8 EVENING event


• CE Speaker and Exhibit Space Sponsorship – One 1-hour CE session; One Exhibit table• Public Relations – Event Platinum Co-Sponsor Recognition in all promotional material;

logo and web link on the World CEries section of NAIFA-Dallas website; Platinum Co-Sponsor placement in event brochure. Goodie bag opportunity to supply the registration bag that each attendee will carry for the day and ability to place “take away” items in each bag. A very unique venue from which to network with top insurance and financial services representatives.

Gold Sponsor | $750 Payment Terms: $750 with application• Conference Participation – 2 DAY event registrations (includes CE event); 4 EVENING event


• Exhibit Space Sponsorship – One Exhibit table• Public Relations – Event Gold Co-Sponsor Recognition in all promotional material; logo and

web link on the World CEries section of NAIFA-Dallas website; Gold Co-Sponsor placement in event brochure. Goodie bag opportunity to supply the registration bag that each attendee will carry for the day and ability to place “take away” items in each bag. A very unique venue from which to network with top insurance and financial services representatives.

Parking for day attendees and guests not included in any sponsorship level.

WORLDCERIES

2013 NAIFA-DALLAS



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• CapabilitytoconsiderForeignNationalsona

Preferred basisIfyouthinkyourbusinesscouldbenefitbyworkingwith 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• CapabilitytoconsiderForeignNationalsona

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

Brian Haselden Regional Life Director | Direct: 469-586-1045

Cell: 214-605-9590 | E-Fax: 855-707-2789 [email protected]

Aaron Platteis Internal Wholesaler | Direct: 860-843-5652 National Sales Desk – Life Sales Academy

[email protected] N. MacArthur Blvd. #550 | Irving, TX 75038

Brian Haselden Regional Life Director | Direct: 469-586-1045

Cell: 214-605-9590 | E-Fax: 855-707-2789 [email protected]

Aaron Platteis Internal Wholesaler | Direct: 860-843-5652 National Sales Desk – Life Sales Academy

[email protected] N. MacArthur Blvd. #550 | Irving, TX 75038

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

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

NAIFA Member Benefit

Agents E&O Policy Tip – The Insolvency SolutionMany agent E&O Insurance providers attempt to limit their exposure to claims arising out

of the insolvency of a product provider. This is typically handled through an insolvency

exclusion on the agent E&O policy that indicates the policy will not apply to claims arising

out of the insolvency of an insurance company, a financial institution, a specific product

or a specific plan. The terminology will vary; however, most E&O providers are simply not

interested in being the default insurer of an insolvent company or product through E&O

claims made against the agents it insures. At the same time, some insurers are willing to

provide some level of coverage to the agent for insolvency when the agent is placing

coverage with companies or products it deems secure. They are willing to “carve back” the

exclusion by adding language like “this exclusion shall not apply to any insurer that was

rated A- or better by AM best at the time of the insured’s acts”. Again, the language will vary

but the insurer is attempting to give back some coverage within the insolvency exclusion.

Now Available!

A new online risk management course is now available directly and exclusively to NAIFA

members that will save you 10% on your premium. This online course was developed to

help you identify the legal basis for agents professional liability claims, identify professional

liability exposures and causes of loss, and determine specific risk management procedures

for all areas of agency management. CE credit is available for this course.

CLICK HERE for more information.

RISK MANAGEMENT TIP:

In order to minimize your risk to uncovered claims, make sure you are evaluating the

carriers and products in which you are placing business. Perform appropriate due diligence

by researching the companies with whom you do business. AM Best provides one tool to

evaluate insurance companies, but don’t stop there. Seek out company financials and stay

current with insurance and financial news. Additionally, take the time to review your E&O

policy. Does your policy have an insolvency exclusion or any other exclusions that deal

with a failed product or company? Be familiar with these exclusions and understand how

they impact your business. When evaluating a new E&O policy, look for a “carve back” to the

insolvency exclusion that may provide you with additional security when placing business.

By understanding your E&O coverage and minimizing your exposure to insolvency claims,

you may save yourself a great deal of time, money and emotional distress.

Register securely online for all NAIFA events listed

on page 3 at www.naifadallas.org

http://www.naifa.org/benefits/prof_programs/online.cfm



YAT at Heart Campaign

The NAIFA Young Advisors Team (YAT) developed the YAT at Heart Campaign to recognize

the rich history and legacy created by NAIFA members and to build a secure foundation for

the “passing of the torch.” YATs are the future of NAIFA, and our goal is to help increase

their success by connecting them with you – a seasoned NAIFA member successful in your

career. We need members like you to help us spread the NAIFA message, engage new YAT

members and develop lasting connections, in turn making you a YAT at Heart.

To become an official YAT at Heart, you as a non-YAT member are encouraged to recruit

a new YAT member to NAIFA during the 2012-2013 membership year (ending on June 30,

2013). The new member must list you in the sponsor field of the membership application and

identity himself/herself as a YAT (any member 40 years of age or under OR within his/her first

five years in the industry).

All YAT at Hearts will be recognized on the NAIFA website at www.naifa.org/yat

throughout the membership year, as well as on screen and in the awards program book

during the 2013 NAIFA Career Conference and Annual Meeting in San Antonio, where

he/she will also receive a YAT at Heart ribbon. All YAT at Hearts will also be entered in

a drawing to receive a complimentary registration to attend the 2013 NAIFA Career

Conference and Annual Meeting. Furthermore, any new YAT member recruited will be

eligible to count toward the Outstanding Member Recruiter Program (for information about

the Outstanding Member Recruiter Program, please contact the NAIFA Member Service

Center at [email protected]).

For more information about the Campaign,

please CLICK HERE.

If you have any questions, please contact

[email protected].

YOUR LEGACY IS OUR FUTURE!

WELCOME NEW MEMBERS

Darrel Delgado Aetna Sponsor: Beverly Norman, SGS

Christina Johnson National Life Group Sponsor: Laura Biesemeyer, FLMI

Michael Lee New York Life Sponsor: William Montague

Nolan Stubbs Farm Bureau Financial Services

Joe Wilson Allstate Life Insurance Company Sponsor: Hugh McFadden, CLU

THANK YOU to our January

CE Sponsor

Mike Smith, LTCP800.442.4915

[email protected]

http://www.insdesign.com

http://www.naifa.org/benefits/yat/yatatheart.cfm



2013 NAIFA-Texas Legislative Day and 88th Annual Business Meeting | January 21-22, 2013 | Austin, TXTallie O. Young, RFC, LUTCF

The events began on Monday evening with the LILI (Leadership in Life Insurance) graduation of our own board member, Ericka Upton. Congratulations Ericka! The graduation was followed by a welcome party and politicking by the candidates.

On Tuesday, 130 NAIFA-Texas members, including NAIFA-Dallas members President Beverly Norman, President-Elect Laura Biesemeyer, Board member Christi Daughenbaugh, PIC Chair Steve Harris, NAIFA-Texas Secretary Treasurer Lane Boozer, Past President Cylinda Clark, NAIFA-Texas Trustee Randy Robertson, Past President David Blanchard, Past President Andra Grava, Past President R. Keith White, Executive Vice President Karen True, and National Committeewoman Tallie O. Young went to the Capitol building in Austin to meet with legislators and their staff to discuss matters important to NAIFA members and our clients. We were joined by members of Texas

Association of Health Underwriters (TAHU) and Texas Association of Life and Health Insurers (TALHI). Unfortunately many legislators had not returned from the long weekend. But determined, we visited as many of their offices as possible, meeting with staff if the legislators were not available. Several legislators who were available returned with us to the hotel for the Legislative Appreciation Luncheon, where we heard a wonderful speech by Texas Attorney General, Greg Abbott.

Following the luncheon, the NAIFA-Texas 88th Annual Meeting was conducted. Present were 21 local associations, represented by 56 delegates. Including the board members, we had a total of 66 delegates. A bylaws change was proposed and discussed to reduce the number of trustees from 7 to 5. The idea behind the change was the challenge of getting and maintaining qualified volunteers to serve. The vote needed 66% to pass. It was two votes short.

Four candidates were running for trustee positions; they were: Hollie Gandy, Michael Kennedy, Joseph Orr and Douglas Richards. All four were elected to the 2013-2014 Board of Trustees with a vote by acclamation. Dee Carter, in the only contested race with Stephen Ehlers, was elected National Committeeman. Jason Talley was elected Secretary Treasurer, and Lane Boozer was elected President-Elect.

NAIFA-Texas PAC raised more money than any other PAC in the country in 2012! We were #3 in the number of PAC contributors. If you are contributing, THANK YOU! If you are not, please consider doing so to protect YOUR paycheck! The NAIFA-Texas PAC raised $16,945 at the convention.

One of my favorite quotes during the convention was from Ben Franklin, “When you’re finished changing, you’re finished”. So I hope we are not finished changing!

Ericka Upton (second from left) receives her LILI diploma

Attorney General Greg Abbott spoke to the crowd

Andra Grava, Bev Norman, Tallie O. Young and Steve Harris prepare to visit the Capitol

NAIFA-Dallas delegates at work for you. (L to R) Bev Norman, Laura Biesemeyer, Steve Harris, Andra Grava, Cylinda Clark and Tallie O. Young

David Blanchard, Steve Harris and Andra Grava in front of the Capitol

NAIFA-Dallas members join in fun and festivities... Lane Boozer, Randy Robertson, Cylinda Clark, Keith White, Tallie O. Young and Laura Biesemeyer



KAREN’S KORNERKaren H. True | Executive Vice President

A Great Recipe for a Peace-Filled Life in 2013

1. Take a 10 to 30 minute walk every day. And while you walk, smile. It is the ultimate anti-depressant.

2. Sit in silence for at least 10 minutes each day. Talk to God about what is going on in your life. Buy a lock if you have to.

3. When you wake up in the morning, complete the following statement: “My purpose is to _______________ today. I am thankful for _______________.

4. Eat more foods that grow on trees and plants and eat less food that is manufactured in plants. .

5. Drink green tea and plenty of water. Eat blueberries, wild Alaskan salmon, broccoli, almonds and walnuts.

6. Try to make at least three people smile each day.

7. Don’t waste your precious energy on gossip, energy vampires, issues of the past, negative thoughts or things you cannot control. Instead invest your energy in the positive present moment.

8. Eat breakfast like a king, lunch like a prince and dinner like a college kid with a maxed out charge card.

9. Life isn’t fair, but it’s still good.

10. Life is too short to waste time hating anyone.

11. Don’t take yourself so seriously. No one else does.

12. You are not so important that you have to win every argument. Agree to disagree.

13. Make peace with your past so it won’t spoil the present.

14. Don’t compare your life to others. You have no idea what their journey is about.

15. No one is in charge of your happiness except you.

16. Frame every so-called disaster with these words: “In five years, will this matter?”

17. Forgive everyone for everything.

18. What other people think of you is none of your business.

19. GOD heals everything – but you have to ask Him.

20. However good or bad a situation is, it will change.

21. Your job won’t take care of you when you are sick. Your friends will stay in touch.

22. Envy is a waste of time. You already have all you need.

23. Each night before you go to bed, complete the following statements: I am thankful for ___________. Today I accomplished ___________.

24. Remember that you are too blessed to be stressed.

25. When you are feeling down, start listing your many blessings. You’ll be smiling before you know it.

– Anonymous

THOUGHT FOR THE MONTH:“Change the things you can and change your attitude about the things you can’t.”

– Maya Angelou

z

©2012 Aetna Inc.2012031

The Aetna difference: We’re here for you with the latest tools and support.Aetna is proud to support NAIFA Dallas. To receive a quote and learn more about Aetna products and tools contact:

Beverly Norman, SGS Aetna Representative 469-222-6055 [email protected]



THANK YOU 2012-13 SPONSORS & EXHIBITORS

Bob Nelson | 972.238.7411 [email protected]

Daniel Wray | 888.435.0181 [email protected]

Mike Smith, LTCP | 800.442.4915 [email protected]

Lauren Cassady | 972.355.3795 www.bridlewoodgolf.com

Marshall Muse, CLU, ChFC | 972.542.5676 [email protected]

Marna Edenson | [email protected]

Dwight Otto, CLU, ChFC | [email protected]

Clyde Thomas | 214.702.2093www.DarkKnightDesigns.net

Danny Fisher, CLU, ChFC | [email protected]

Kelly Galey | 214.502.4928www.feet1stmassage.com

Michelle Appling | [email protected]

Tom Rutledge, CLU, ChFC | [email protected]

John Davis, Sr., CLU | [email protected]

Joseph Mahoney, Jr. CLU, CHFC972.774.0700 | [email protected]

Claudia Foraker | [email protected]

Jason Bach, CFP | [email protected]

Richard Ziperman | 800.343.2829 [email protected]

Scott Dial | [email protected]

Beverly Norman, SGS | 469.222.6055 [email protected]

David Ayres, CLU | 972.980.9600Joe Radovic, CLU, ChFC, CFP | 469.737.4052

Ericka Upton | 972.617.9444 [email protected]

DOB NAIFA Ad 2007.pdf 1 6/12/12 11:17 AM

Tiffany Kaiser | 972.726.7700 x201 [email protected]

Andra Grava, CLU, RHU | 972.774.9663 [email protected]

Richard Reyes | 214.412.8218 [email protected]

Kim Murphy | 972.424.0484 [email protected]

Chris Hatton, CFP | [email protected]

Mark Lewis | [email protected]

Christina Johnson | [email protected]

Doris Waller | [email protected]

Kevin Olson | [email protected]

Reed Schnittker | [email protected]

Robin Spyker | [email protected]

Kathy & Mark Rice | [email protected]

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

Tracey Schwartz | [email protected]

Beth Rose | 972.668.5263www.strikz.com

Randy Ford, CLU, ChFC | [email protected]

Tracey Bruce | [email protected]

Insurmed Services

Lifetime Str tegie

G r o u p

Carolyn Rossi, RHU, CLTC | [email protected]

Confidence.THAT’S THE SIGN OF A GOOD DECISION.

Allegiant Wealth Management

MassMutual Financial Group refers to Massachusetts Mutual Life Insurance Company (MassMutual), its affiliated companies and sales representatives. CRN201212-143123

To learn more, contact:Jason Bach, CFP®, General Agent

Allegiant Wealth Management10000 North Central Expressway, Suite 1200, Dallas, TX 75231

972-348-6317 • [email protected]

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Direct (Toll-Free): 888-2-SELL-DI (273-5534) | Fax: (972) 774-1792 | Office: 972-774-9663

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thursday february 28, 2013 - naifa dallas · 2014. 2. 21. · 19 3~nai fa -d l s 20 1 | february...

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