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#LNLWhyWeDoWhatWeDoThe news and ideas magazine for the Agents of Liberty National

TORCH----- SEPTEMBER 2013 -----

What does success mean to you?

Success is something that takes on a number of forms and presents itself as everything from a great month of production to bringing in quality recruits to climbing the Company ladder. One of the great things about a career with Liberty National is that success not only occurs with our own, personal accomplishments, but also when our work has a profound impact on the people we serve every day.

I know it might be easy to lose sight of the importance of what we do when we get caught up in the day to day operations of recruiting, getting leads, and closing the sale. But as Life Insurance Awareness Month is here to remind us, this profession is one that has significant effects on individuals and families who experience life’s tragedies.

Back when Agents delivered claim checks, if you had that remarkable opportunity to deliver a check to a grieving widow or a family reeling from the loss of a loved one, you know exactly what I mean when I say this profession matters. If you haven’t had that experience yet, talk to someone who has or look online at our Agent testimonials so you can better understand the importance and necessity of what we do. Know that the coverage you offer could one day make the difference in a family keeping their home or their kids going to college. Know that it is our endeavor to make it easier for people during their darkest hours, and it is because of our Agents and our products that so many have avoided financial devastation.

According to LIMRA, 30 percent of U.S. households have no life insurance at all, and 50 percent say they need more life insurance*. When you consider the fact that virtually everyone needs life insurance, these statistics are pretty alarming! But they’re also good news for us. We have a huge opportunity to begin shrinking these numbers and meeting the needs of individuals and families around the country. In fact, I’d say we have an obligation to help people prepare for the unexpected tragedies that happen every day.

So remember this simple but profound fact: what you do matters. Life insurance fills a very real need in our society, one too often overlooked and neglected. It certainly doesn’t make up for the loss of loved ones (nothing does), but it can give those left behind a much needed financial gift to help them carry on with their lives.

We’ve all heard the saying that nothing is certain but death and taxes, and with millions of households unprepared for death’s financial burden, I’d say you have your work cut out for you. And knowing

you have a huge market to conquer with countless families to help, I hope you’re ready to put your heart into this important vocation.

This career and its Opportunity of a Lifetime can allow you to achieve all your professional dreams and more, and make a better life for you and your family. Your success with LNL can come by increasing production numbers, by taking on a new position with new responsibilities, or by building your team and promoting training and vision. But the part about this career that perhaps carries the most weight is knowing you’re making a difference in people’s lives. An ordinary day of work for you could be life-changing for one of your customers … and that, to me, is the ultimate success.

You’ve chosen a great place to be, so make it count, and always remember there’s a valuable reason why we do what we do.

2 - torch September 2013 why we do what we do

Why We Do What We Do

insight

Roger SmithPresident and Chief Executive Officer

So remember this simple but profound fact: what you do matters.

*Source: http://www.limra.com/uploadedFiles/limracom/Posts/PR/LIAM/PDF/Facts-Life-2013.pdf

http://www.limra.com/uploadedFiles/limracom/Posts/PR/LIAM/PDF/Facts-Life-2013.pdf

Top Agency BuilderS – July

AD Kenneth Keith, SA Michelle Bourdon, and AO Michele Sellors.

A greAT firST yeAr!

Remember reading about John Holloway and the sacrifices he made to join Liberty National in our November 2012, issue? This month AO Nick Slagle presented John with a one year service award. Congrats!

llA301 coming ocT. 14-17, 2013!

This elite Agency training course is by invitation only for Agency Directors ready for Strategic Advanced Leadership Training (SALT) and in-depth skill evaluation. Find out more at lnlacademy.com.

going The diSTAnce!

Nothing, and we mean nothing, stops Liberty National from taking care of business! Shout out to Agency Director Doug Barrett for gettin’ a little mud on his tires to get the job done.

liBerTy Word SeArch

L C D Z F L E A D E R S A BI O P P O R T G N I T Y G CF F C Y T R E R I L I A E QE C S F V T V O N G C I N KI J V G N V M W J O P P T X

N N O E T A V I T O M B S KS G R O W T H H S H W Y R BU N I V I N O I T N E V N OR U T S I J H Z O G X A V HA G E N C Y O W N E R B B CN O I T A N I M R E T E D MC Y N A A Y I H H C L F F OE O P P O R T U N I T Y B B

GROWTHLIFE INSURANCEAGENCY OWNEROPPORTUNITY

LEADERSMOTIVATEAGENTSDETERMINATION

why we do what we do torch September 2013 - 3

Published by Liberty National Life Insurance Company for the

dissemination of information to its Agents. Prior permission must be

obtained from Liberty National Life Insurance Company for

reproduction or other use of material herein.

liBerTy nATionAl

libertynational.comlnlcareers.com

libertynationalblog.com lnlacademy.com

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Torch STAff

Senior Marketing Communications Manager

Christie Gibson

Content Supervisor Katrina Kotzen

Editor Roberta Boyd King

Senior Staff Writer Brynn Caccamo

Staff Writer Christine Perrenot

Jr. Social Media Writer Gina Circelli

Senior Graphic Designer Cal Slayton

Contact the Torch staff [email protected]

to send photos and community involvement news, or to update

your home address.

liBerTy nATionAl ipodCurrently playing:“The Fighter”Gym Class Heroes

neWS

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http://linkedin.com/company/551206

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perspective

Why I Do What I Do

Chris GrahamAgency OwnerHouston, TXlibertynational-graham.com

At Liberty National, if you’ve had the life-changing experience of seeing a new widow receive a check, or you’ve been thanked by a policyholder’s child who can still receive higher education after the loss of a parent, you never forget the experience. At the end of the day, we do what we do to provide coverage to countless individuals and families because we care and can offer consumers some of the financial protection they need.

Our products help protect Middle America’s financial future. I’ve seen our products help save a family’s home after the loss of the breadwinner, help cancer patients afford to travel across the country for treatment, and help household bills get paid when our customers miss work due to illness or an accident. We have the opportunity to help people in the darkest moments of their lives.

Think about it. Do you remember the salesman who you bought your last car from? Do you remember who you bought your mattress from? Most likely, no, you don’t. But would you remember the face of a Liberty National Agent who sold you a policy that later helped pay for your loved one’s final expenses, your child’s education, and your daily living expenses?

The reward and fulfillment that comes with offering a glimmer of hope to families after a loss is unlike anything else. As an Agency Owner, I get to provide others with the same opportunity that was shared with me. I get to help others build a career in this industry so they can enjoy a nice living, while truly helping financially protect Americans with life insurance. Why do you do what you do?

Before I was part of Liberty National, my pay was topped out. I was as far as I could go in the retail industry, and I knew a career in sales would allow me to increase my income. When I saw the opportunity at Liberty National for not only a better paycheck, but the ability to build real wealth through renewals, it was an easy decision.

I urge you to advance or climb your career ladder sooner rather than later. The Company provides systems that have proven effective, and it’s our job to utilize those systems daily to enable success. One of the best parts of my career is watching the transformation of people who come into this industry knowing nothing about insurance to later become successful Agents, Supervising Agents, Agency Directors, and Agency Owners. We all get to earn the type of living we deserve at Liberty National.

Whatever effort you put into this career, you will get back tenfold. Believe in yourself and the opportunity Liberty National offers. Work hard consistently, and this Company will change your life.

This month as we celebrate the 10th anniversary of the LIFE Foundation’s Life Insurance Awareness Month, remember why you do what you do, and feel proud of the impact you have on others’ lives.

I get to help others build a career in this industry so they can enjoy a nice living, while truly helping financially protect Americans with life insurance. Why do you do what you do?


The August Agency Builder of the Month Award goes to Brittany Sellors of the Sellors-Sellors Agency. Brittany coded 4 Agents in August.

The Agency Builder of the Month Award recognizes the Supervising Agent who codes the most Agents.

For her achievements, Brittany received a framed certificate of recognition and a letter from Executive Vice President and Chief Agency Officer, Steve DiChiaro, congratulating her on her commitment to developing new Agents and helping expand her Agency and the Company.

New Supervising Agents at LNL

Cassandra AlbrittonJason Joiner - ADBill Knowles - AO

Randy AustinKenneth Keith - ADSellors-Sellors - AO

Amy BedsoleKeri Anderson - ADSherri Young - AO

Tonya BellJill Wilmeth - AO

Adie BolenDonna Chancey - ADKeith Mitchell - AO

Amy ByrdCathy Meinecke - AD

Tim Nuckolls - AO

Starlite ByrdAnthony Baldwin - ADByron Schreiber - AO

Willie DavisJimmy Rogers - ADTerah Mims - AO

Allyson FairclothGary Dobbs - AD

Mark Woodruff - AO

Gary FergusonCorky Addison - AD

Carl Peevy - AO

David GarrardJames Kay - AD

Byron Schreiber - AO

Michael Gossett II Austin Green - AD

Angela Hanson - AO

Jessica GroomsNikki Lewis - AD

Vickie Ketron - AO

Whittley HoganGeorge Johnson - AD

Jason Neal - AO

Tanda JacksonCarlos Logan - ADMarvin Odell - AO

Grace JohnsonSherry Mathews - AD

Steve Harris - AO

Christine KingLisa Denton - AD

Kathy Blanco - AO

Shonda KirklandDavid Bass - AD

John Brooks Jr. - AO

Marques LipseyChris Johnson III - AD

Terah Mims - AO

Caitlyn LittleRonda Smalling - AD

Vickie Ketron - AO

Pamela Martin LynchKen Crabb Jr. - ADBen Hastings - AO

Gabriela MartinDouglas Barrett - AD

Shannon Lambeth - AO

Brandi McCravySkip Nichols - ADLonell Plyler - AO

Dondi McGowanScott Smith - AD

Ben Hastings - AO

Kathy McPhailKathy Perkins - AD

Cedric Higgins - AO

George Meeks IIIDrew Aderholt - ADTim Aderholt - AO

Melissa MorrisKeith Carr - AD

Jill Wilmeth - AO

De Anna PapillionKeith Handy - AD

Larry McDaniel - AO

David PeggVeta Melvin - ADNick Slagle - AO

Wendy PowellMarcus Rich - AD

Mark Woodruff - AO

Robert SigristElena Wilson - ADOwen Wilson - AO

Brittney SmithHenry Reece - AD

Cedric Higgins - AO

Lauren SutleyJohn Brooks Jr. - AO

Jay TapleyMissy Henderson - AD

Jason Everett - AO

Jonathan WilsonCarlos Logan - ADMarvin Odell - AO

Janet WolfeDoug Jessee - AD

Chris Graham - AO

Congratulations to our new Supervising Agents!

Your commitment makes an impact!

August Top Agency Builders# of Codes Supervising Agent Agency Director Agency Owner

4 Brittany Sellors Jeff Splawn Sellors-Sellors

3 Addison Everett Kevin Peterson Nick Slagle

3 Michael Vaughn Stephen Harris Jason Everett

2 Heather Blake Gene Sherrod Cedric Higgins

2 Michelle Bourdon Kenneth Keith Sellors-Sellors

2 James Bowman Gabriel Speaks Vickie Ketron

2 Amy Byrd Cathy Meinecke Tim Nuckolls

2 Starlite Byrd Anthony Baldwin Byron Schreiber

2 Alisha Chianese Tonya Woodson Owen Wilson

2 Taylor Ivins Gary Dobbs Mark Woodruff

2 Tanda Jackson Carlos Logan Marvin Odell

2 Deanna Padilla Kevin Jankowski Skip Bond

2 Patrick Prince - Jeff Miller

2 Anna Roden Skip Nichols Lonell Plyler

2 Terry Washington Gabriel Speaks Vickie Ketron

2 Trayvon Wilson Vanessa Trotter Cedric Higgins


Brittany Sellors


anniversaries

new agency directors

38 Years of ServiceRobert Richards Jr., Agent

28 Years of ServiceJoseph Roberson, Agent

25 Years of ServicePaul Malone, AgentPhilip West, Agent

23 Years of ServiceLarry Cloud, AgentRonald Shaw, Agent

21 Years of ServiceDarrell Hubbert, AgentAllison Stephens, Agent

19 Years of ServiceCynthia Thomas, Agent

14 Years of ServiceChad Essary, AD

13 Years of ServiceMark Woodruff, AO

12 Years of ServiceFrederick Bussey, ADB. Scott Jackson, AgentStephanie Jackson, AO

11 Years of ServiceJoanna Stanfield, Agent

9 Years of ServiceLinda Smith, Agent

7 Years of ServiceDeane Jewett, AO

6 Years of ServiceGary Dobbs, ADFrancisco Perez, Agent

5 Years of ServiceWanda Sear, AgentSteve Wade, Agent

4 Years of ServiceJamie Barnes, ADJohan Blanco, ADJohnny Bragg, AgentEdward Fowler, AgentBarry Hogan, ADAnthony Jones, AgentChristopher Loveless, ADAaron Snider, AOGary Tetreault Jr., AgentMarie Tuck, ADDavid Yeomans, Agent

3 Years of ServiceErnest Wadkins, Agent

2 Years of ServiceWilliam Allen, AgentKen Crabb Jr., ADBarbara Henderson, AgentC. W. Wedemeyer, Agent

1 Year of ServiceMonica Anguish, AgentMichael Attah, AgentDavid Bailey, AgentMark Barron, AgentLisa Bullock, AgentKim Cleveland, AgentJokebed De Canal, AgentNathanael De Canal, AgentGavin Dewing, AgentRonda Hein, AgentMisty Inman, AgentRachel Montague, AgentTheresa Porter, AgentAnn Price, AgentKimberly Scott, AgentJay Tapley, AgentAmanda Williams, ADBobby Wood, AD

LNL anniversaries according to Company records.

Congratulations!

Chad EllisTupelo, MSMark Stone Agency

Chris SchiroRaleigh-Durham, NCTodd Lomenick Agency

Blease TurnerCharlotte East, NCLarry Wood Agency

Ronda SmallingKnoxville, TNVickie Ketron Agency

Carleus JohnsonOrlando, FLOwen Wilson Agency

Alan TrippOrlando, FLOwen Wilson Agency

Congratulations to

Senior VP Roger Rich for achieving

Liberty National’s August Director

of the Month Award. Roger’s name

will be engraved on a Director

plaque displayed at the Home Office.

Executive Vice President and

Chief Agency Officer Steve DiChiaro

recognized Roger at the

September Directors’ meeting.

Director of the Month


Liberty National Book ClubThe Twelve Absolutes of Leadership

Have you considered how lucky you are to be a leader? Gary Burnison, author of The Twelve Absolutes of Leadership, believes leadership is a privilege. While there’s often a price to pay for taking on the task of leadership, knowing you help build others up in their careers can be life changing.

Gary Burnison is the CEO of Korn/Ferry International, which gives him ample qualification to discuss leadership criteria. Burnison details 12 critical components required to be a focused leader. Apply his principles, set your goals, and you’ll find growth in the positive impact you have on others. Burnison focuses on complete commitment, engagement, and personal responsibility to educate readers about thoroughly applying themselves.

Envision your future and bring others up to your level. What do you have to do to get to the top? As Burnison says, “are you all in, all the time?” Hone impeccable leadership skills with the help of The Twelve Absolutes of Leadership.

Read the book? Have a comment? Join the discussion on the blog!

Senior VP Roger Rich


TIM ADERHOLT AGENCYGainesville, GA

BILL LACOUNT COREY HULSEY CRAIG WILSON DARREN ALEXANDER DREW ADERHOLT LAURA ENGLISH MARK WARREN RANDY REEVES RITCH WHARTON SERGE CLOUATRE SHAWN BRIGGS TERESA KEMP TIMOTHY BUCKNER YOLY DALE

RICKY BEARD AGENCYCorinth, MS

APRIL LABBEE BRADLEY GRAY CHAD ESSARY DARRELL DAWKINS DEBBIE BUTLER JAMIE BARNES

KATHY BLANCO AGENCYTampa Bay, FL

CHRISTINE KING DAVID BURGMAN JOHAN BLANCO LISA DENTON

SKIP BOND AGENCYIndianapolis North, IN

BOB WORTHINGTON DEANNA PADILLA

JOHN BROOKS JR. AGENCYDothan, AL

DAVID BASS JOHN LOVE SHONDA KIRKLAND TERRY FARRIS

BRIAN CANNINGTON AGENCYWaycross, GA

DAVID TOMPKINS ROBERT ELIAS SANDRA MULKEY STANLEY JOHNSON WILLIAM BALTRUS

TONY CARTER AGENCYHuntsville North, AL

SHERI KIRCH

HAIM ELfERSY AGENCYJacksonville, FL

HAIM ELFERSY*

JASON EVERETT AGENCYLittle Rock, AR

ANTHONY VESTAL BARRY HOGAN CHARLES BROWN JR. MATT CARTER DWIGHT STEWART JACOB HARR KEITH BENNETT KELLY MCDUFFEE MATT CARDER MELISSA NUCKOLLS MISSY HENDERSON ROBERT CZERWINSKI RYAN POTTS STEPHANIE LAWRENCE STEPHEN HARRIS TERRI HOGAN

JOHN HADDER AGENCYBirmingham North, AL

DAVID BAILEYMILDRED JACKSON

ANGELA HANSON AGENCYAlexander City, AL

AMANDA WILLIAMS DAVID WINDSOR JUDITH JACKSON KENNETH BUCK MARIE TUCK

STEVE HARGIS AGENCYCincinnati, OH

AMANDA WELLS

STEVE HARRIS AGENCYAnniston, AL

JOHN GOSS III JONATHON EVERLY

BEN HASTINGS AGENCYColumbus, SC

BEN HASTINGS JASON LANIER MELISHA SHUMPERT PAMELA MARTIN LYNCH SCOTT SMITH

CEDRIC HIGGINS AGENCYColumbus, MS

BERNARD MARSALIS CEDRIC HIGGINS* HENRY REECE

STEPHANIE JACKSON AGENCYChattanooga North, TN

NEAL TONY BAILEY II SCOTT JACKSON STEPHANIE JACKSON*

DEANE JEWETT AGENCYColumbus North, GA

LORI JEWETT

VICKIE KETRON AGENCYKnoxville, TN

CAROL SPEAKS GABRIEL SPEAKS JAMES BOWMAN NIKKI LEWIS RONDA SMALLING SHARI GROOMS

BILL KNOWLES AGENCYMacon South, GA

CASSANDRA ALBRITTON JASON JOINER TONYA CARDWELL

SHANNON LAMBETH AGENCYBaldwin County, AL

CHARLES RUSH HUNTER SELF LARRY ROBERTS

CLINT MCLAIN AGENCYJasper, AL

ALAN GOFORTH CLINT MCLAIN* MATTHEW WILSON PHILIP NICHOLS RAYMOND SMITH SEDRIC SAWYER

JEff MILLER AGENCYSpringfield East, MO

A.J. GOOD JACOB MILLER JAMES BISHOP KIM FEAGER MARK WOFFORD TODD BAXTER TOMMY RECTOR

EDDIE MILNER AGENCYBirmingham South, AL

MARY VENEZIAMICHAEL SMITHERMAN

TERAH MIMS AGENCYMemphis South, TN

TERAH MIMS*

KEITH MITCHELL AGENCYJackson, AL

DONNA CHANCEY SONJA OVERSTREET

TIM NuCKOLLS AGENCYSpringfield North, MO

AMY BYRD BRENT STANTON CATHY MEINECKE JASON ADAMS MICHAEL CHAMBERS ROGER MCHENRY RONDA HEIN TIM NUCKOLLS* TIMOTHY WERTZ WENDI THORNTON

MARVIN ODELL AGENCYTuscaloosa South, AL

CARLOS LOGAN DOUGLAS LAVENDER MARK MCMILLAN MARVIN ODELL*

CARL PEEVY AGENCYAtlanta, GA

CARL PEEVY*

MITCH PHELPS AGENCYCharlotte Central, NC

ASHLEY RABON CHRIS CASTLEBERRY JONATHAN FELD MELINDA HARMON

LONELL PLYLER AGENCYFlorence, AL

JERRY CROWELLKAY PERRYMAN

HOWARD RALSTON AGENCY Dalton, GA

BRANDON HERNDON CHAD BRYAN CLINTON PALMER DAVID TAYLOR GARY SMITH MARION BEACHAM MARK CHANDLER

TIM REEVES AGENCYPensacola, FL

TIM GARRETT

SELLORS-SELLORS AGENCYFt. Worth East, TX

BRITTANY SELLORS JEFF SPLAWN KENNETH KEITH MICHELE SELLORS*

NICK SLAGLE AGENCYSpringdale, AR

ADDISON EVERETT DENNIS DAWSON KEVIN PETERSON NICK SLAGLE* VETA MELVIN

REx SMEDLEY AGENCYAustin, TX

RACHEL FENZ

AARON SNIDER AGENCYIndianapolis, IN

AARON SNIDER* MALLORY MICHAELS MEGAN CLARY

ALAN SPAffORD AGENCYSt. George, UT

ELIDORA LOVELESS

RON TADLE AGENCYCleveland, TN

ADRIANE BAILEY BECKY SALINAS DANIEL HUNTER PATRICK KNOWLES RON TADLE*

JILL WILMETH AGENCYNashville South, TN

JILL WILMETH* KEITH CARR RICHARD CRABTREE STEVE WADE

OWEN WILSON AGENCYOrlando, FL

C.J. COLLAZO SR. DESH LACHMAN ELENA WILSON EMMANUEL LYLES GARY RUDD GARY TETREAULT JULIE PALIUCA OWEN WILSON* TONYA WOODSON UNA WALTERS

LARRY WOOD AGENCYCharlotte East, NC

HILLIARD BUCHANAN IVTIM BAUCOM

MARK WOODRuff AGENCYMontgomery North, AL

CHARLES SMITHGARY DOBBS

SHERRI YOuNG AGENCYEnterprise, AL

ASHTON MCKELVY DAVID MILLER KERI ANDERSON LEIGHANNE CREWS

Liberty National recognizes Agents, Supervising Agents, Agency Directors, and Agency Owners, who are on schedule as of 09.12.13 for the 2014 Convention to be held June 22 - June 25, 2014. Qualifiers and/or Torch Club honorees must meet applicable Company minimum standards and qualifications for production, persistency, DCN, and recruiting to attend and/or be recognized in our Company magazine. *10 percent and above growth

on schedule for

the 2014 convention

Suits are a must for the professionally dressed fellow! #LLA101

Uploaded by Liberty National Ladies

Are you ‘on board’ with the Ladies of LNL Pinterest page? Check out our pinboards to see some of our favorite recipes, fashion trends, motivational quotes, fitness tips, and more! (Don’t let the name fool you guys — you’re welcome to pin your favorite things too!)

http://pinterest.com/LadiesofLNL

Liberty National Keeps Things

Jumpers paired with colorful button-ups make for a sleek look. Add a metallic belt for a pop of pizazz. #LLA101


Pair neutral colors with a bright

cardigan to stand out from the crowd.

#LLA101


September’s #LLA101 Pinterest contest enabled Leadership Academy attendees to show off their runway-worthy professional looks on LNL’s Official Pinterest page.

Get online and follow the Ladies of LNL Pinterest page. Check out our stylin’ contest winners, follow their polished looks, or represent Liberty National when you pin your own professional attire from our ‘Dress for Success’ board.

Follow Liberty National pinboards, repin, and like photos as you keep up with the latest trends and stay in the know about upcoming LNL contests. It’s easy to win and fun to get involved. Congratulations to our fashionable contest winners who walked away with gift cards to spruce up their wardrobes even more! See our winners in next month’s issue of Torch!



Worksite On Demand (WOD) is Liberty National’s new interactive tool to help Agents achieve sales in the Worksite market. Don’t just write quality business once. Keep renewing it!

The site even conveniently features a mobile version of WOD!

Find everything you need including video presentations, helpful documents, online billing information, instructor support, and more.

Introducing Liberty National Worksite On Demand!

Now

available for

your Agency!

Log on to: http://worksite.libertynational.com

Need a document? Download the Worksite Presentation Scripts, the Worksite Playbook, the Worksite Advantage Agent Guide, marketing tools, underwriting rules, sample forms, and time management guides.

Get answers to all your eApp questions and experience Worksite Online Billing (WOB). Download instructions and become a pro!

Watch video presentations

designed to improve sales

presentation skills. Videos

include the Introduction,

Prospecting, Presenting to an

Employer, Closing/Objections,

Enrollment Steps, Writing

Quality Business, and Online

Billing. Watch the complete

video or just the segments you

need.

http://worksite.libertynational.com

From John Maxwell’s The 21 Irrefutable Laws of Leadership

• ‘When to lead’ is just as important as ‘what to do’ and ‘where to go’

• Only the right action at the right time brings success

Timing is often the difference between success and failure. Every time a leader makes a move, there are four possible outcomes that depend on the timing:

The Wrong Action at the Wrong Time Leads to Disaster – Take the wrong action at the wrong time and both your people and your leadership suffer.

The Right Action at the Wrong Time Brings Resistance – If you take the right action at the wrong time, you may still be unsuccessful, because the people you lead can become resistant.

The Wrong Action at the Right Time is a Mistake – the greatest mistake an entrepreneur makes is knowing when to cut his losses or when to increase his investment to maximize gains, but taking the wrong action to accomplish them.

The Right Action at the Right Time Results in Success – When the right leader and the right timing come together an organization achieves its goals and reaps incredible rewards.

THE LAW OF TIMING #19

Good leadership timing requires:

• Understanding – Leaders must have a firm grasp on the situation.

• Maturity – If leaders’ motives aren’t right, their timing will be off.

• Confidence – People follow leaders who know what must be done.

• Decisiveness – Wishy-washy leaders create wishy-washy followers.

• Experience – If leaders don’t possess experience, they need to gain wisdom from others who do possess it.

• Intuition – Timing often depends on intangibles, such as momentum and morale.

• Preparation – If current conditions aren’t right, leaders must create favorable conditions.


Source: http://www.scribd.com/doc/2632862/Laws-of-Leadership-John-C-Maxwell; http://www.u-leadership.com/the_21_irrefutable_laws_of_leadership-w.pdf

Reading the situation right and knowing what to do are not enough to make you succeed in leadership. If you want your Agency to move forward, you must pay attention to timing. Only the right action at the right time brings success … and no leader can escape the Law of Timing.

IT’S TIME!

http://www.scribd.com/doc/2632862/Laws-of-Leadership-John-C-Maxwell

http://www.u-leadership.com/the_21_irrefutable_laws_of_leadership-w.pdf


An energetic group of Liberty National Agency Directors eager to take their careers to the next level visited the Home Office in August to

enhance their skills in recruiting and retention, effective classroom training, goal setting, and conflict management. Attendees were instructed

by the Company’s top leaders and received encouragement and insight in how to achieve their own success. Check out some of the action!

#LLA201 spirit!

Agency Director/featured speaker Desh Lachman, Agency Owner/featured speaker Vickie Ketron, and SVP Sami Nizam

Building for growth#llA201

Getting in some laughs!

Agency Directors Donna Chancey and Yoly Dale

Natalie Newsome is Social Media savvy!

The Jason Everett Agency lookin’ sharp!

Director Jorge Arzate

and SVP Rob Gray

Coming next month! #LLA301 – Top Gun – October 14-17 This invitation-only event is for Agency Directors with potential to become Agency Owners in the future. Go to LNLAcademy.com to learn more about this course.

http://LNLAcademy.com


May we have your attention please?Liberty National’s brand new Company blog is here! Head to libertynationalblog.com and check it out!

Let your voice be heard! Explore the site and leave your comments on any of our many Liberty National blogs at libertynationalblog.com.

Agency Owners

Did you know when you send

potential recruits to your Agency

Owner website they can access

the Company blog feed through

your Home page? It’s another

great opportunity for prospects

to see for themselves why a

cutting-edge career with

Liberty National is unlike

any other!

13

2

4 5

6

1. blog topics

The new and improved Liberty National blog features a variety of thought-provoking and helpful topics, including Leadership Messages, Leadership Academy, Convention, the Insurance Industry, Career Tips, Agent Reviews, Motivation, and more! Want to hear the latest news from the executive team? Maybe you’re looking for a little motivation or enlightening career tips?

2. social Media

Connect to all of Liberty National’s Official Social Media.

3. leadership with eVp steVe dichiaro

See what Steve DiChiaro’s been up to and learn about his goals for the Company.

4. about liberty NatioNal

Learn all about the Company’s history, goals, and latest news.

5. FaQ

Get answers to some of our blog readers’ most common questions about Liberty National.

6. liberty NatioNal twitter Feed

See the @LibertyCareers live Twitter feed right on the blog’s Home Page!


Know the Facts!*• Among households likely to buy life insurance in the next

year, 35 percent report they haven’t bought it because no one has approached them about it.

• Of consumers who believe they need life insurance, 86 percent haven’t purchased it because they think it’s too expensive.

• 41 percent of shoppers say life events such as marriage, having children, buying a home, etc., are the motivating factors to buy life insurance.

• Fifty percent of U.S. households (58 million) say they need more life insurance.

• 30 percent of U.S. households have no life insurance, and only 44 percent have individual life insurance.

Why should Agents sell life insurance? Because everyone needs it!

Agents help consumers recognize how valuable a life insurance policy is. It’s your job to get consumers talking about life insurance today, in case the unexpected happens tomorrow.

With Liberty National life insurance plans, consumers have confidence if they die unexpectedly their families will have financial help with a child’s college education, the ability to pay monthly bills, and can continue living in their family home. Life insurance buys loved ones time to grieve a loss. It helps pay off debts or loans and allows surviving family members the chance to move on with their lives.

Life can change in an instant, and Liberty National Agents can be the light during a dark time for families experiencing loss.

Liberty National Recognizes the 10th Anniversary of September’s LIAM!

*LIMRA 2013

Life Insurance Awareness Month, or LIAM, is a campaign sponsored by The Life and Health Insurance Foundation for Education (LIFE) and designed to promote the importance of life insurance to consumers and Agents.

Do you want to grow your career and help introduce others to The Opportunity of a Lifetime? Do you want to protect as many families as possible with Liberty National’s term and whole life insurance policies?

Why do you do what you do with Liberty National?

To learn more about Boomer Esiason or the LIFE Foundation’s 2013 LIAM plans, visit lifehappens.org.

http://lifehappens.org


Liberty National Recognizes the 10th Anniversary of September’s LIAM!

LIAM’s 2013 Celebrity Spokesperson Boomer Esiason!Boomer is a record-setting NFL quarterback, an analyst for The NFL Today on CBS, and co-host of Boomer and Carton on WFAN in New York. Boomer learned the importance of life insurance at a young age when he lost his mother to cancer. He knows how critical it is for families to be adequately insured in the event a loved one passes away.


official agent standings: 2013 net submit

August

1. Jason Adams Springfield North, MO

$56,620Brent Stanton - ADTim Nuckolls - AO

libertynational-nuckolls.com

2. Pamela Martin LynchColumbia, SC

$23,694Ken Crabb Jr. - ADBen Hastings - AO

3. Bill LacountGainesville, GA

$23,436Craig Wilson - ADTim Aderholt - AO

4. Darren AlexanderGainesville, GA


5. Alan GoforthJasper, AL$20,148

Philip Nichols - ADClint McLain - AO

6. Terri HoganLittle Rock, AR

$19,981Barry Hogan - ADJason Everett - AO

7. Courtney CaldwellKnoxville, TN

$17,814Nikki Lewis- AD

Vickie Ketron - AO

8. Judith JacksonAlexander City, AL

$17,477Amanda Williams - AD

Angela Hanson - AO

9. David MillerEnterprise, AL

$17,121Keri Anderson - ADSherri Young - AO

10. C. Wayne FisherFt. Walton Beach, FL

$16,830David Brooks - AD

Jason Perry - AO

Qualifiers and/or Torch Club honorees must meet applicable Company minimum standards and qualifications for production, persistency/DCN, and recruiting to attend Torch Club and/or be recognized in our Company magazine.

AGENT BONUS FOR THOSE ON A FOUR-WEEK AVERAGE

Qualifier Amount Agency Director Agency Owner

Jason Adams $11,876 Brent Stanton Tim Nuckolls

Pamela Martin Lynch $4,523 Ken Crabb Jr. Ben Hastings

Christine King $3,543 Lisa Denton Kathy Blanco

Courtney Caldwell $3,250 Nikki Lewis Vickie Ketron

Melisha Shumpert $3,052 Scott Smith Ben Hastings

David Windsor $2,991 Marie Tuck Angela Hanson

Jason Lanier $2,968 Scott Smith Ben Hastings

Judith Jackson $2,800 Amanda Williams Angela Hanson

Kelly McDuffee $2,534 Robert Czerwinski Jason Everett

Dawlon Garrett $2,460 Mitchell Kerry Blair Howard Ralston

official agent standings: 2013 net submit

2013

1. Jason Adams Springfield North, MO

$420,059Brent Stanton - ADTim Nuckolls - AO

libertynational-nuckolls.com

2. Corey HulseyGainesville, GA


3. Douglas LavenderTuscaloosa South, AL

$181,543Carlos Logan - ADMarvin Odell - AO

4. Bill LacountGainesville, GA


5. Darren AlexanderGainesville, GA


6. Ashton McKelvyEnterprise, AL

$133,800Leighanne Crews - AD

Sherri Young - AO

7. Serge ClouatreGainesville, GA

$111,097Drew Aderholt - ADTim Aderholt - AO

8. Melissa NuckollsLittle Rock, AR

$103,668Missy Henderson - AD

Jason Everett - AO

9. Alan GoforthJasper, AL$102,454

Philip Nichols - ADClint McLain - AO

10. Todd BaxterSpringfield East, MO

$100,646Jeff Miller - AO



“I was just overwhelmed knowing that we were secure and we were

going to be taken care of.”

– Cindy Todd, policyholder from Liberty National’s

Making a Difference video

Top 10 Agency Directors - First Year Agent Net Submit in August

1. Gabriel Speaks Knoxville, TN

$51,870 Vickie Ketron - AO

libertynational-ketron.com

2. Scott SmithColumbia, SC

$40,173Ben Hastings - AO

3. Holly WilhelmIndianapolis North, IN

$39,261Skip Bond - AO

4. Kenneth KeithFt. Worth East, TX

$32,712Sellors-Sellors - AO

5. Mallory MichaelsIndianapolis, IN

$32,458 Aaron Snider - AO

6. Neal Tony Bailey IIChattanooga North, TN

$31,490Stephanie Jackson - AO

7. Amanda WilliamsAlexander City, AL

$30,631Angela Hanson - AO

8. Bradley GrayCorinth, MS

$28,636Ricky Beard - AO

9. Jason JoinerMacon South, GA

$28,315Bill Knowles - AO

10. Jeff SplawnFort Worth East, TX



official agency director standings: 2013 net submit

August


“It’s been the best insurance decision I’ve made yet in my lifetime.”

– Sandy Griffin, policyholder from Liberty National’s


Quote

- Name

“Now I can move on and not have to worry about things. My bills are paid.”

– Belinda Greer, cancer survivor featured in Liberty National’s


official agency director standings: 2013 net submit

Top 10 Agency Directors - First Year Agent Net Submit 2013

1. Gabriel Speaks Knoxville, TN

$340,662 Vickie Ketron - AO

libertynational-ketron.com

2. Mallory MichaelsIndianapolis, IN

$249,724 Aaron Snider - AO

3. Kenneth KeithFt. Worth East, TX


4. Brent StantonSpringfield North, MO

$208,114Tim Nuckolls - AO

5. Johan BlancoTampa Bay, FL

$200,835Kathy Blanco - AO

6. Patrick KnowlesCleveland, TN

$198,641 Ron Tadle - AO

7. Missy HendersonLittle Rock, AR

$185,957 Jason Everett - AO

8. Kevin PetersonSpringdale, AR

$162,085Nick Slagle- AO

9. Neal Tony Bailey IIChattanooga North, TN

$160,050Stephanie Jackson - AO

10. Cathy MeineckeSpringfield North, TN

$157,813Tim Nuckolls - AO

2013




official agency owner standings: 2013 net submit

CATEGORY LEADERSTorch Magazine recognizes Agency Owners in Categories I – VIII with a performance factor of 50 or higher or 10% and above growth. 2013 winners for Categories I – VIII will be recognized at Convention by adding both their 2013 growth % and their 2013 FYA production.

Category 2Tim Nuckolls

Category 3libertynational-nuckolls.com

Owen WilsonCategory 1

libertynational-wilson.com

Marvin OdellCategory 6

libertynational-odell.com

Stephanie JacksonCategory 5

libertynational-jackson.com

Sellors-SellorsCategory 4

libertynational-sellors.com

Aaron SniderCategory 8

libertynational-snider.com

Carl PeevyCategory 7

libertynational-peevy.com

Jessica HubleyTop Startup

libertynational-hubley.com

Skip BondRookie

libertynational-bond.com


official agency owner standings: 2013 net submit

CATEGORY LEADERS

AUGUST

Category Agency OwnerMonth Over

Month GrowthAugust 2013

FYA %Performance Factor

August 2013 FYA Net Submit

August 2013 Total Net Submit

1 Owen Wilson 12% 21% 32% $29,121 $141,468

2 Vickie Ketron Ricky Beard

34% 27%

48%56%

82%83%

$79,436 $75,856

$167,173 $135,104

3 Tim NuckollsAngela HansonJohn Brooks Jr.

154%53%15%

30%40%55%

184%94%70%

$38,485$32,544$49,544

$126,555$80,474$90,267

4 Sellors-SellorsClint McLainEddie Milner

16%15%25%

76%57%31%

92%71%57%

$58,913$43,068$21,840

$77,808$76,068$70,279

5 Larry WoodLonell Plyler

28%15%

25%33%

53%48%

$15,680$16,030

$62,198$49,052

6

7 Carl PeevyRon Tadle

107%83%

51%64%

158%147%

$23,306$30,591

$45,970$48,038

8 Aaron SniderNick SlagleTerah MimsSteve Hargis

593%109%42%30%

91%71%51%44%

684%179%93%74%

$42,659$43,615$10,121$4,815

$46,829$61,754$19,769$10,865

Category Agency OwnerMonth Over

Month GrowthAugust 2013

FYA %Performance Factor

August 2013 FYA Net Submit

August 2013 Total Net Submit

Rookie Steve HartmanBen HastingsSkip BondLarry McDaniel

158%---

23%87%87%71%

181%---

$4,465$63,084$53,074$24,165

$19,431$72,366$60,677$33,973

Startup Jessica HubleyChris GrahamRandy Davis

---

100%87%

100%

---

$23,277$15,705$2,389

$23,277$18,119$2,389

2013

Category Agency Owner Growth % FYA % Performance Factor Production 2013

1 Owen Wilson 10% 35% 45% $1,191,651

2 - - - - -

3 Tim Nuckolls 135% 34% 170% $1,121,965

4 Sellors-SellorsCedric HigginsClint McLain

26%14%10%

71%71%57%

97%84%67%

$507,563$576,235$538,844

5 Stephanie Jackson 18% 66% 84% $411,075

6 Marvin OdellJill WilmethHaim Elfersy

47%11%12%

30%39%37%

76%51%49%

$425,035$213,898$285,579

7 Carl PeevyRon Tadle

103%92%

60%68%

163%159%

$356,606$417,933

8 Aaron SniderNick SlagleTerah Mims

133%67%52%

87%71%71%

220%138%122%

$315,127$340,658$176,552

Category Agency Owner Growth % FYA % Performance Factor Production 2013

Rookie Skip Bond 406% 94% 500% $256,900

Startup Jessica Hubley - 100% - $104,600


Torch Magazine recognizes Agency Owners who achieve 10% and above growth in the category standings.

BONUSQualifier Amount

AGENTS

JASON ADAMS $11,876

PAMELA MARTIN LYNCH $4,523

CHRISTINE KING $3,543

COURTNEY CALDWELL $3,250

MELISHA SHUMPERT $3,052

DAVID WINDSOR $2,991

JASON LANIER $2,968

JUDITH JACKSON $2,800

KELLY MCDUFFEE $2,534

DAWLON GARRETT $2,460

DENNIS DAWSON $2,439

CASSANDRA ALBRITTON $2,286

JONATHAN BOWMAN $2,097

JAMES BOWMAN $2,035

MARK WOFFORD $2,007

APRIL LABBEE $1,995

DANIELLE JOHNSTON $1,945

ADRIANE BAILEY $1,873

MELINDA HARMON $1,869

ALPHA ADKINS $1,792

DAVID BAILEY $1,779

Qualifier Amount

SHARON UNGER $1,744

RICK PLUFF $1,602

AMY ESTES $1,584

MELISSA NUCKOLLS $1,552

JAY TAPLEY $1,535

AMY BYRD $1,522

KEITH BENNETT $1,511

DANIEL HUNTER $1,450

EUGENE BARON $1,373

CARLEUS JOHNSON $1,358

JACOB ANDERSON $1,353

KALEIGH HOMAN $1,326

SHONDA KIRKLAND $1,318

MATT CARDER $1,314

DOUGLAS BUTLER $1,296

SCOTT MCCOLLUM $1,285

BRICE CARTER $1,279

RONDA SMALLING $1,277

RONDA HEIN $1,266

SAMANTHA MADDOX $1,258

TAMMY PAGE $1,231

BRANDON GARRETT $1,223

Qualifier Amount

NICOLE PICKENS $1,222

RICKY TAYLOR $1,220

JAMIE SPEAKMAN $1,220

DE ANNA PAPILLION $1,217

EMERY BROWN $1,215

LISA KOHLER $1,175

EBONY SCOTT $1,171

RONDA SCHAEFFER $1,140

KENYA WEAVER $1,120

MARY DURDEN $1,114

CLIFFORD HEMINGWAY $1,080

ANNETTE AMRHEIN $1,072

PEACHES LYNCH $1,050

TIMOTHY WERTZ $1,049

FRANK DEL BOSQUE $1,046

MATTHEW PROCTOR $1,042

JOSHUA HARRIS $1,028

CATHY OLSEN $1,011

MARK WARREN $992

MARQUILA STALLINGS $981

MEGAN CLARY $950

ADIE BOLEN $949

Qualifier Amount

BRITTANY MOODY $920

LAWRENCE LARD $918

NANETTE SCOTT $914

ADDISON EVERETT $899

APRIL REID $882

BOB WORTHINGTON $878

ROBERT ELIAS $871

BECKY SALINAS $856

SHAWN LEWIS $845

ROBERT ANDERSON $845

JILL JACOBS $840

VICTORIA KEITH $833

TIMOTHY BUCKNER $831

DAVID LAWRENCE $810

LAUREN SUTLEY $809

KATHY BATEMAN $807

BEN WILLIAMS $799

PAIGE COOPER-COLE $794

HANA MOORMAN $788

JOEL MCJIMSEY $786

ANTHONY VESTAL $778

GARY FERGUSON $763

TOTal: $855,229



ALAN TRIPP $762

TIMOTHY HOLT $757

LAUREN BUTLER $751

DONDI MCGOWAN $737

MATALYN ONSTAD $736

KRISTY JOHNSON $727

CHRISTOPHER AKERS $726

RACHEL BOUCHELLE $720

BRITTNEY SMITH $718

SEAN PASSARO $712

FANECIA BELL $710

VANN SWANN $708

GLENN LAMBERT $699

RACHEL STANLEY $698

NORMA BROWN $697

VICTORIA HALL $689

CARYN KEMP $683

CAREY STRACENER $666

DYLAN NEWSOME $642

MATTIE CRAYTON $636

MARIE MCGALLIARD $635

JOHN COLE $631

Qualifier Amount

COLE HOLIDAY $627

MISTY INMAN $619

JO MASON $617

TINA NICHOLS $614

DAVID BURGMAN $613

JOSHUA LOVITT $599

KRYSTAL NORMAN $588

LESLIE SOUTH $588

GARY ROBERSON $587

REBECCA GOODNER $586

WHITNEY MELTON $585

JUSTIN HEAPS $583

DEL SAWYER $573

MELISSA MORRIS $562

MICHAEL LEISURE $561

LINDA MILLS $559

SAUBER CANTEES $559

MELVIN LOVETTE $558

AUDRA STRICKLAND $553

JOEY HASTON $549

VICCARRIA DAVIS $546

ANDREA DEVINE $538

Qualifier Amount

DAVID GARRARD $537

FRANK CUDA $536

JEFF WALLMARK $535

MARK BARRON $531

CLAUDETTE HIGGINS $528

MICHELLE CLINE $524

CHAD BRYAN $521

JOHN BROWN $519

ROGER MCHENRY $518

MARVIN SERRITT $514

JOSHUA BERGER $511

KHARI HADDIX $506

PHILIP MILLER $506

WILLIAM HAY $499

DAVID STEELE $498

KEVIN SLAY $490

TYISHA SHIELDS $488

TIFFANY RIDGEWAY $488

WILMAR GIL $487

AMY BEDSOLE $486

HANAH MACHEN $482

DANIEL PINYAN $480

Qualifier Amount

JARED LASTER $477

GARRETT STEINLE $476

CHERYL LEDFORD $474

SUSAN DRIGGERS $472

HEATHER BLAKE $472

TEDRA HUSTON $468

DARNESHIA PITCHFORD $468

STEPHANIE LEONARD $466

DUSTIN WATKINS $455

REBECCA SNELL $447

CLINTON PALMER $447

LISA COMPTON $436

ROBERT MORRIS $436

JAMIE PHILLIPS $432

ABDUL BELL $432

BENJAMIN HOGAN $431

VALDEMAR LUNA $431

STEVEN BYERS $430

ALAN HIGGINBOTHAM $427

JOHN HICKS $425

MICHAEL MCGINLEY $424

VICKIE HICKS $420



TREY MORPHIS $415

CHENE' THORNTON $412

ALEX THRASH $411

DAVID YATES $409

MICHELLE BOURDON $409

TIFFANY BRIGGS $407

WENDY POWELL $406

ASHLEY TERRY $397

JACEY RAYBORN $395

JEFFREY CONNELL $393

RAYMOND ASKEW $392

WAYNE HUGHES $391

LAUREN BYRD $386

STEVE WADE $386

WILLIAM DISHNER $385

TINA BALDWIN $385

JEFFREY HAWKINS $384

BRITTANY COLLIER $381

KELLY KOLODZIEJCYK $380

SHAWNA PEGG $377

JONATHAN WILSON $376

JAMES LIPSCOMB $375

Qualifier Amount

BRITTANY WALLER $374

WILLIAM MILLS $372

CEANN MCCORMICK $372

REGINA VINES $372

GEORGIA KENT $368

MARGARET KUBICEK $366

TERESA KEMP $364

VICKIE TOWLES $363

DARRELL DAWKINS $359

ASHLEY WATTS $358

FELISA BARRETT $357

LATONYA VANN $353

JASON SMITH $351

TANDA JACKSON $347

MICHAEL DAVIS $346

M. FALKENBERRY $342

MATTHEW WILSON $341

CHAD ELLIS $334

BRIAN NORRIS $333

ANTHONY BRIDGES $330

JAMES BOND $329

JAMES MARTIN JR. $328

Qualifier Amount

HENRY CUNNINGHAM IV $326

BARBARA LANTZ $325

MELANIE RANGE $320

JAMES PRIER $319

NATHANAEL DE CANAL $317

SANDRA MANGUM $316

REBECCA VERNETTI $316

JULIE LINDSEY $313

LAURA HENDERSON $310

ROBERT SIGRIST $308

HEATHER WEBSTER $303

HARRISON IVY $302

DAVID PEGG $296

MARY LAND $294

DWIGHT HIXON $293

TRAYVON WILSON $292

SUZANNE RAWLINGS $290

SAMUEL WHITE $285

WINDA WEAVER $283

MICHAEL GRAY $282

KRISTY WAGNER $271

JESSICA HENSLEY $269

Qualifier Amount

STEPHENIE ST. ANGELO $269

MARIA MUMPHREY $268

DANIEL VICKERS $268

COREY ARNOLD $262

SAMUEL GUY $260

WENONA RICKETTS $257

STEPHANI STELTENPOHL $256

BRITT MARCHMAN $255

STARLITE BYRD $254

TIMOTHY AMEY $252

QIANA COCHRAN $250

NANCY BURT $247

RITCH WHARTON $247

JAMES MAYS $245

CANDACE CRAIG $243

SHELRA AUSTIN $242

PATRICIA BURDEN $235

ALBERT BECKWORTH $234

STEVEN KNIGHT $233

SEAN MOORE $233

LAURA ENGLISH $232

ALLYSON FAIRCLOTH $232



CHRISTINA COLVIN $226

YOLANDA GUTIERREZ $226

LISA BULLOCK $225

ARLENE FREDERICK $221

PATRICK HEARN $219

TONY DIFILIPPO $217

WINNIE BUFORD $216

GAVIN DEWING $216

KAMARIA GIVNER $215

JOYCE EVANS $214

KEVIN JONES $212

STEWART ROSS $210

BONNIE MCEWEN $209

CHRISTINA DARDEN $205

DAVID RAINES $203

THACH VU $200

AGENCY DIRECTORS

SCOTT SMITH $5,667

BRENT STANTON $5,397

NIKKI LEWIS $3,605

LISA DENTON $3,216

GABRIEL SPEAKS $3,135

Qualifier Amount

GARY DOBBS $3,118

NEAL TONY BAILEY II $3,089

MITCH BLAIR $2,579

DAVID BASS $2,511

CHRISTOPHER LOVELESS $2,477

PHILIP NICHOLS $2,403

AMANDA WILLIAMS $2,264

BILLY YEOMANS $2,242

BRADLEY GRAY $2,092

JAMIE BARNES $2,085

KEN CRABB JR. $2,081

KENNETH KEITH $2,066

MARIE TUCK $2,053

CRAIG WILSON $2,052

RANDY REEVES $2,032

PATRICK KNOWLES $2,005

MISSY HENDERSON $2,001

TIM BAUCOM $1,855

GENE SHERROD $1,814

MALLORY MICHAELS $1,733

PAUL MIKELL $1,721

KEITH CARR $1,679

Qualifier Amount

JEFF SPLAWN $1,664

HENRY REECE $1,657

TROY DEW $1,641

JIMMY VEAZEY $1,625

ANTHONY BALDWIN $1,592

CARLOS LOGAN $1,582

ASHLEY RABON $1,520

DREW ADERHOLT $1,519

GEMECIA MARSHALL $1,456

KYLE TETREAULT $1,426

LEIGHANNE CREWS $1,422

YOLY DALE $1,409

CHARLES RUSH $1,408

LORI JEWETT $1,389

JASON JOINER $1,377

TYLER MAYO $1,359

TRACIE BEAN $1,345

JACOB HARR $1,342

CATHY MEINECKE $1,322

WILLIAM HARRISON $1,292

TONYA WOODSON $1,279

WILLIAM BALTRUS $1,241

Qualifier Amount

DAVID TAYLOR $1,237

HOLLY WILHELM $1,231

MATT CARTER $1,231

KERI ANDERSON $1,210

KIRK BUTLER $1,183

RAYMOND SMITH $1,179

ADAM VAN DALY $1,174

NATALIE NEWSOME $1,172

KATHY PERKINS $1,171

KEVIN JANKOWSKI $1,155

DAVID BROOKS $1,145

BRANDON HERNDON $1,127

SHERI KIRCH $1,123

VANESSA TROTTER $1,076

PATRICK STAFFORD $1,067

DEANNA WHITE $1,054

TIM WOOLF $1,053

ROBERT CZERWINSKI $1,045

KEITH HANDY $1,038

VETA MELVIN $1,038

KRISTY MOORE $1,034


Don’t Leave Money on the Table!Kick your Reinstatement Bonus efforts into high gear, because your Agency will follow your lead on this program. There’s no better lead than someone who knows Liberty National, has a need for insurance, can qualify for it, and could afford it at one point. It must be important to you if it’s going to be important to your team!

Once the official Liberty National Facebook page reaches

3,000 ‘Likes’, we’ll award one lucky winner a FREE laptop!

Who is the mystery gal or guy who will win? It could

be you! If you haven’t already added Liberty National

to your ‘Likes’, do it now! You could be sporting a new

laptop in a few weeks … along with the coveted title of

MR., MS., or MRS. 3000.

Here are a few tips to help you make the most of the Reinstatement Bonus Program:

1. Print the list and distribute it one page at a time at Monday’s call session. Have Agents turn in each sheet showing scheduled appointments before giving them more leads.

2. Sort the spreadsheet by ZIP codes or cities in which Agency Directors have Agents working. Print and distribute to Agency Directors so they strongly encourage team members to reinstate business each month. A good starting point? Absolutely!

3. Have a contest within your team or Agency to see who can earn the biggest reinstatement bonus check for the month or who can reinstate the most policies. Provide the winner with a plaque engraved with his/her name and ‘[Month] Reinstatement Champ’.

Reinstating business is beneficial for everyone. Boost your commissions and renewals each month, while providing customers with needed financial protection. A simple phone call can make the winning difference for you, your customer, and your team!

http://www.facebook.com/LibertyNationalIns


http://www.facebook.com/LibertyNationalIns

The Best of Life When you were a kid dreaming about what you wanted to be when you grew up, I bet very few of you dreamed about selling life insurance. I know I didn’t. But looking back at where my life has taken me and what I have accomplished, I know now I couldn’t have had a better dream or ultimately made a better decision than joining the insurance industry.

You are all blessed to have come to Liberty National. There are so many other careers you could have chosen, but didn’t ... and I’m glad. I believe selling life insurance is a truly noble profession. Think about it for a minute. When someone dies, who is there to help? Family members, funeral home staff, members of the clergy, mental health professionals, etc, can all provide support to help a family with the sadness and emotional healing process. And they do it well. But what about the more practical side of life and death? How will survivors pay the mortgage, utility bills, car payments, daycare expenses, college tuition, buy gas for the car, put food on the table? And the list goes on. Do you know of any professional person who can provide a family with both financial compensation and emotional support in time of tragedy? I can’t think of a single one other than a life insurance Agent.

September is Life Insurance Awareness Month (LIAM). It’s coordinated by the nonprofit Life Foundation, whose mission statement reads, ‘LIFE’s mission is to inspire the public to take personal financial responsibility through the ownership of life insurance and related products’. Every September, a celebrity spokesperson serves as a national spokesperson for the awareness campaign. This year’s spokesperson is Boomer Esiason, MVP quarterback and radio and TV broadcaster, whose mother died of cancer, and without life insurance, when he was only 7. Her passing left only his father to care for him and his two sisters … while still continuing to work fulltime to support the family. Says Boomer, “Life insurance is about protecting the future and the people you love,” and he has made sure he’s done that for his own family. Watch for Boomer in TV and radio spots this month as he shares his story, and go to www.lifehappens.org to learn more about Life Insurance Awareness Month.

Providing financial compensation to a family during the most difficult time of their lives is tremendously important. If that family doesn’t have to worry about paying bills and surviving financially through the coming weeks, months, and years, it has the luxury of

mourning its loved one and learning how to adjust to life’s changes. Having strong emotional support is critical for a family dealing with a loved one’s passing, but strong financial support is just as important.

If you’re like me, you probably still remember the first time a grieving widow or widower received a life insurance check. If you had any doubt before, you had no doubt after, that you had made the right decision to become an Agent with Liberty National. We talk a lot about the things we need to do to grow our Agencies, increase production, and increase our wealth … recruiting, training, prospecting, etc. But we must never forget that selling life insurance is just as much about helping people … helping people financially protect the ones they love during the worst of times.

There are a lot of reasons we do what we do. Yes, we can make a wonderful living. We can form lifelong friendships with other Agents and our customers. We can have flexible schedules so we have more time to spend with our families. We can ‘have’ a lot by being an Agent of Liberty National. But we can also give a lot … to our families, friends, customers, prospects … and our Company.

The fourth and final quarter of the year starts next month. Resolve today to make the last quarter of 2013 one you, your Agency, and the Company can be proud of. IT’S TIME … TO BE ALL YOU CAN BE!


perspective

We can ‘have’ a lot by being an Agent of Liberty National. But we can also give a lot … to our families, friends, customers, prospects … and our Company.

Steve DiChiaroExecutive Vice President and Chief Agency Officer

Source: http://www.lifehappens.org/mission/

P.O. Box 8080 • McKinney, TX 75070

2014 ConventionJune 22-25www.torchmarkconvention.com

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