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NEWSThe news and ideas magazine for the Independent Agents of United American Insurance Company.
March 2004UAINTRODUCING
It’s easyas 1,2,3!
The Online
UA NEWS
Published monthly by
United American Insurance
Company for the
dissemination of
information to its Agents.
Prior permission must
be obtained from
United American for
reproduction or other use
of material herein.
Home Office972-529-5085
Vice PresidentJudy Hans
EditorRobin Woods
Assistant PublicationsWriter
Roberta Boyd King
Graphic Designer
Lee Griffin
Agent Service Center800-925-7355
Supply Order Information800-285-3676
Supply Order Fax405-752-9341
Supply Order E-mailuaagentsupply
@torchmarkcorp.com
Web Siteswww.unitedamerican.comwww.uageneralagency.com
E D I TO R ’ S N OT E S
2 • UA NEWS • March 2004
PROCARE APPROVALS
A special mailing regarding ProCare MedicareSupplement rate approvals for new businessand renewals has been mailed to General Agentsin Montana.
Check your state(s) ProCare rate memo forcomplete effective date information and cut-offdates for business written with old rates. If youdid not receive this notice, please contact theAgent Service Center at 800-925-7355.
GSP APPROVALS
A special mailing regarding Good Sense Planrate approvals for new business and renewalshas been mailed to General Agents in Kansas,Montana, Rhode Island, South Carolina,South Dakota, Utah, and Washington D.C..New rates in these states are effective May 1,2004. For additional materials, please contactAgent Supply.
GSP REMINDER
As a reminder, the Good Sense Plan is notavailable for new business in Idaho, Nevada,or Ohio. Agents in these states may receivea rate increase notification in order to helpanswer policyholders’ questions regardingrenewals.
CASH CANCER APPROVALS
Effective immediately, UA’s Cash Cancerplan, CANB, has received new rate approvalsfor new business and renewals in California,Hawaii, Kansas, Montana, North Carolina,North Dakota, Oklahoma, and Wyoming.A mailing including state special materialshas been sent to Agents working in thesestates. For additional materials, pleasecontact Agent Supply.
INTEREST RATES SET
The Lifestyle Annuity new money interestrate for the month of March is 3.25 percent.Rates will continue to be reviewed andadjusted accordingly.The Deposit Fund Rider new businessinterest rate for 2004 has been set at3.00 percent.
HEALTHGUARD APPROVAL
Effective immediately, UA’s Critical Illnessplan, HealthGuard, is approved for sale inWashington. A mailing including statespecial materials has been sent to Agentsworking in Washington. For additionalmaterials, please contact Agent Supply.
ATTN: MISSISSIPPI AGENTS
Effective immediately, the Lifestyle Annuityis available for sale in Mississippi. The newbusiness guaranteed minimum interest rate is3%. Supplies have been sent. Please contactAgent Supply for additional materials.
ATTN: ARIZONA AGENTS
Effective immediately, the Life & AnnuityReplacement form (REPNOT/00) will berequired for Agents operating in Arizona.The Replacement form must be completedand signed by the applicant and Agent if areplacement occurs. The cut-off date fornew business is May 1, 2004.
ATTN: ALL AGENTS
United American’s Advertising Guidelineshave been updated. Please visitwww.uageneralagency.com/services tofamiliarize yourself with changes and reviewexisting guidelines.
ATTN: LIFE AGENTS
Effective immediately, a Height/Weightchart now applies to Life sales. The Lifeseries rate book is currently being updated.Please contact Agent Supply for updated materials.
March 2004 • UA NEWS • 3
P E R S P E C T I V E
It’s a good play on wordsand a great way toillustrate that the monthof March is anoutstanding time tojumpstart our engines.Winter is about to fadeaway, and Spring iscoming on strong with asense of renewal andrevival!
Not only is this theperfect time to renew oursales efforts, it’s also an excellent time to renewrecruiting efforts. Be sure to read Larry Strong’sinformative article on page 8. Larry presents anexcellent perspective on why United American isgrowing and how our dedicated commitment torecruiting will aid that growth.
All your friends here at UA are excited about thefuture and hope you are as well. The need forand acceptance of UA products has never beengreater. With employers eliminating health carebenefits or substantially raising employeecontributions, many workers are forced to lookelsewhere for affordable, comprehensivecoverage. Many retirees find themselves in thesame position. Employers are cutting back ortotally eliminating retiree health benefits. Manyworkers in small companies or the self-employedhave never had employer-sponsored healthinsurance. The answer for all these folks is rightin front of them. They need look no furtherthan their nearest United American Agent!
United American’s unique portfolio of nicheproducts can fill the gaps in your clients’healthcare programs. In fact, for some folks, alimited benefit product is all they can afford orcan obtain based on pre-existing conditions. Alimited-benefit product also may be the perfectanswer for young people just graduating, who arenot yet in the job market. They don’t anticipatemajor health problems, but need protection from
an unexpected loss like anauto accident. Isn’t itgood to know that we havewhat they need, and haveit at a price they canafford?
United American’s Med-Supp program is topnotch! With all theconfusion that comes withthe impending prescriptiondrug program and theconstant entry and
withdrawal of HMOs from the market, now isthe time to show clients how to achieve securityand stability through UA! Medicare is in acontinuous state of change with many newprograms being implemented over the next fewyears. Some changes will have great value forour Seniors, but others may fall by the wayside.Yet, no matter what happens with Medicare,United American is as solid, stable anddependable as always.
Being without affordable health insurance foryourself and the family that depends on you, canbe a very discouraging experience. UA’s goal isto make affordable coverage available to all whodesire it. There are so many folks out there whoneed our help. Aren’t you glad we have theknowledge, experience and product offerings togive them what they need? I am!
Don’t forget to have some fun, make somemoney and win some great prizes with theMedicare Supplement contest this spring. Itstarts this month and runs through the 28th ofMay. We hope every Agent out there makes it tothe top tier of prizes! We want to see all of youfor a fantastic weekend at the Torchmark Lodgeon Lake Tenkiller, Oklahoma. What are youwaiting for?
FORWARD...MARCH!
FROM THE DESK OF:
Gene GrimlandPresident, General Agency
Marketing Division
Forward . . . .March!
4 • UA NEWS • March 2004
We salute the following General Agents and Writing Agents who will be attending our
Sales Conference on Paradise Island, Bahamasat the Atlantis Resort, June 3-6, 2004.
Jonathan Ahlbum
Tim Ahlbum
Jerry C. Anderson
William Baker
Stephen K. Barber
Terry M. Barksdale
Warren Bartlett
Andrew M. Bashor
Stacy Bastian
Bruce Beikman
Gail Blair
John M. Bloom
Elwood Boling
Velma Bondurant
Kenneth R. Bowling
Judith Brannon
William Brewer
Terry E. Brewer Jr.
Bramlette H. Browder
Matthew Brown
Martha Burdine
Michael Carper
Richard W. Chalker
Richard Colado
Barry Collinsworth
Sterling R. Cooper
Thomas J. Coughlin
George Cox
Frank Dandridge
David K. Daniels
Terry Davidson
Robert M. Davidson
Richard K. Davis
C. Dean Davison
Delores A. Day
Mary Dioguardi
Jamie Dodd IV
Nancy Dunlap
Jerry Evins
Gregory Fallin
Dean A. Garner Jr.
Scott Graves
Heath Gregory
Ray Griffin
Karl Hagenbusch
James Hanna
Rossie Hardison
Jennifer Hatcher
Catherine Hatton
Tina Henson
Clint Hill
Robert Holder
Scott Hunt
Chet Iwanski Jr.
Steve Jansen
Michael A. Johnson
Reid Johnson III
Jerry Jolley Jr.
Duncan Kellar
Tod E. Kemble
Judith M. Ketelsen
Joyce Kingon
Cameron M. Kirchoff
Scott Kulcak
Jason Langford
Alan Laughman
Jeffrey Leggett
Mike Lemar
Kenneth Lepage Jr.
Robert Leshikar
Charles Lieberman
John S. Lord Jr.
Robert Lyle
Sabrina Maguglin
Charles R. Mankamyer
Chet N. Marko
James E. Mayner
Tim Mills
Bill Minton
Michele Mitchell
Steven Mitchell
Shane Mize
Jay M. Mullins
Bill Nale Jr.
Ellen Nicodemus
Austin Norman
David Oliver
Philip B. Ortez Jr.
Ken D. Parker
James T. Patton
Michelle Patton
Terry W. Patton
Diana R. Perkins
Amy-Nicole Perkins-Frank
Robert Pollier Jr.
Dan Popek
Gregory Prosser
Anna Pullaro
Pamela G. Randall
Hani S. Rihan
Charles Robert II
Daniel Rochester
Billy Rush
Gary Saunders
Philip B. Seideman
Ed Shackelford
Michael Shaffer
Jason Shearer
Steven Sheppard
Chris W. Simpler
Charles W. Sims
Christopher Sledge
Kenny J. Stacy
Thomas Statkewicz
Michael K. Stevens
Wesley S. Stevens
Lynn Stokes
Adam Summerville
Jeffrey A. Swain
Glenda Thompson
Alicia D. Towns
Rupert H. Tullos III
Harry A. Wadsworth III
Jimmy K. Walker II
Robert Waskover
Rebecca Weatherby
Larry Webster
Shanna Wetzstein
Rebecca White
Cody C. Whitt
Margaret M. Wiatrek
Nancy Wilder
Ricky G. Williams
Sheila Williams
Tim Williams
Vicki Williamson
Marvin L. Wittman III
Jack O. Young III
Richard R. Zeis
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MARCH 2004 • UA NEWS • 5
Are your continuing education credits current? Yes?Wonderful! If not, don’t worry. United American has teamedwith WebCE.com, an innovator in Internet continuingeducation, to bring you state-required CE courses. WebCEprovides state-approved insurance courses in 49 states (plus theDistrict of Columbia) that allow correspondence-based CE.WebCE delivers its product via web-based courses (or paper-based). Download the course books, print them from yourbrowser (in most states), or have them shipped to you within 24hours. Select Internet delivery, and you can be studying in lessthan ten minutes!
Studying and testing online, which is available in most states,lets you receive test scores in seconds and eliminates mailing
tests for grading. Once you’ve completed your selected coursesand taken your state-approved exam, WebCE will validate theresults, grade it, and send you a Certificate of Completion forpassed exams.
Go to the UA education site at http://ua.webce.com andchoose your courses from the “Course Catalog” by selectingyour state and license type. To order by phone, call 1-800-488-9308 and tell the representative you are an affiliate of UA. Asa United American Agent, your yearly CE cost will be cappedat $44.95* for all your required hours (plus any shipping, taxesand applicable state filing fees). With WebCE at yourfingertips, satisfying CE requirements has never been easier!
New CE Requirements:**Ethics Now Required -
Arkansas - Agents are required to take at least 1 hour of Ethics as part of their total CE requirement.WebCE’s "Insurance Ethics" course will satisfy this new requirement.Idaho - Agents are now required to take at least 2 hours of Ethics as part of their total CE requirement.Choose from: "Insurance Ethics", "Insurance Law I" or "Insurance Law II.”
New State Filing Fees -Maryland - The Maryland Department of Insurance has instituted a filing fee for all CE hours. Agents arenow required to pay $.60 per credit hour to the CE provider for reporting CE hours. Massachusetts - The Massachusetts Department of Insurance has instituted a filing fee for all CE hours.Agents are now required to pay $.50 per credit hour to the CE provider for reporting CE hours.
Specialty State Course Requirements -Florida - All Agents whose license renewal date is after January 1, 2004 are required to take a 2 hour state-specific course called "Unauthorized Entities.” The course covers information on Employee Retirement Income Security Act (ERISA) and Multiple Employer Welfare Arrangements (MEWA).Texas - Not new, but worth repeating: Effective January 1, 2003, Texas Agents were required to have 15hours in a classroom or as classroom equivalent. The remaining 15 hours can be self study. WebCE offersclassroom equivalent courses which are online, interactive, and approved by the state for this specificrequirement.
Expiration Notices -New Hampshire Agents: Your CE compliance day is April 1, 2004.South Dakota Agents: Your license renewal date is April 30, 2004.
Your license may be about to expire if you meet the following criteria:
Is Your CEWhere It Needs to Be?
Licensing State Agent Information
AK, AL, AR, FL, KS, NE, RI, WA Your birthday is in March, April, or May 2004
AZ, CA, HI, ID, IL, MA, MO, NV, OK, OR, TN, TX, UT Your license renewal date is March, April, or May 2004.
*Price includes courses, exams, grading, certificates of completion, and state reporting in most cases. Some state specific courses are not subject todiscounts from promotions, vouchers or standard retail offers. Additional fees for books, shipping and state filing fees may apply.
**This is not a complete list. To get specific information for your state, go to the Course Catalog at http://ua.webce.com; choose your state from themap and find the "State Requirements."
▼
!
6 • UA NEWS • March 2004
Are you projecting an image that presents you as a knowledgeable professionalwho is offering the best insurance products on the market today? Are you takingadvantage of the print ads we have available to enhance that image?
You’ve been asking for it, and we’re ready to deliver! A new print advertisingwebsite is now available to General Agents as part of the existingwww.UAGeneralAgency.com/office. The site offers a catalog of all our pre-approved print ads available for Agent use. You can browse through the catalog,find the ad or ads that are just right for you, and drop them into your shoppingcart. We’re putting your ad campaign literally at your fingertips, so that achievingthat “just right” image is easier than ever.
Does your advertisingsay the right thingsabout you and United American?
How’s Your Image?
Introducing The Online
March 2004 • UA NEWS • 7
28. George DeMelloLPI Associates, Inc.
29. William F. Wise Jr.Wise Insurance Agency
30. Paul D. Wood Jr.National Health Insurance Company
The UA Ad Catalog clearly illustrateseach ad and provides essential informationregarding modification of the ad prior touse. Listed next to each ad illustration isthe state(s) in which the ad is notapproved and can not be used. Selectyour ads based upon your needs and stateapproval; place them in your shoppingcart; check out. Literally, easy as 1,2,3!
Once you finish browsing, the contents ofyour shopping cart are sent via e-mail toAgency Services in the Home Office forlicense verification and fulfillment. Youreceive your order either by postal mail orby e-mail; just indicate which shippingmethod prior to check out.
If you prefer to write, design or illustrateyour own ad, the UA Ad Catalogconveniently includes complete andrecently updated information in ourAdvertising Guidelines. If you don’t finda pre-approved ad that exactly projectsthe concept, image or idea you want,create your own ad and have it approvedby following our “8 Simple Steps.” Thesteps are carefully outlined so there is noconfusion about the process or timeframeinvolved in obtaining ad approval.
If you’ve been hesitant to sell certaintypes of coverages, the UA Ad Catalogcan help! For instance, if you’ve neversold Hospital/Surgical insurance, simplyplace a pre-approved Hospital/Surgical ad(AG479R) in your local newspaper. Youmay generate an entirely new customerbase to explore and develop, and, in theprocess, become more knowledgeableabout UA’s product lines.
If you’ve never used an online catalog,don’t worry. UA’s Ad Catalog is easy toaccess and simple to navigate. It takes theguesswork out of promoting yourself andUnited American. Once the site has beenup and running for a while, we’d like yourfeedback. If you have an idea about howto improve the catalog, let us know. Ifthere is something else you would like tosee, tell us about it. This new websiteaddition is for you - to make youradvertising and selling campaigns easierand more consistent. If we’re all on thesame page, it promotes a better image ofyou and United American!
We make it simple.
e
8 • UA NEWS • MARCH 2004
We’re not comfortable. United American’s continued growthis contingent on our ability to increase the number ofAgencies and Individual Producing Agents writing profitablenew business premium for the company. Our commitment togrow our independent field force has never been stronger.“Let it Rise!” is the official name of our 2004 recruitingcampaign. We’ll be using multi-faceted recruiting mediums tospread our message of opportunity and also helping Agentsand Agencies alike find solutions to their business needs.“Let it Rise!” also symbolizes our commitment to re-engagewith Agencies and Agents who have not been active withUA. If you are one of those, you will be hearing from us.
We’re profitable. If you’ve been contracted with UA for anylength of time this is no secret. Growing distribution requiresa significant financial commitment—the old saying of havingto spend money to make it is true. Watching big companiesdownsize their field forces or cutting commissions is painful towatch. We want and need to grow our independent fieldforce because we can afford to do it!
We have values. One of our core values is doing everything wecan to make sure our business decisions are ultimately sound forfour entities: you, our policyholders, our shareholders, and thecompany. The hard truth is that this process is usually not thecourse of least resistance. We often hear the question from thefield, “how can they charge such low rates”? Or “how can theyunderwrite like that”? We know the answer to these reasonablequestions has been in most cases…they can’t. Well, they can forawhile but not for the long haul. The insurance junk yard is fullof casualties who tried to do the impossible — charge too littleand pay too much for unacceptable risk. As a guy who grew up inthe field, I fully appreciate the dilemma this creates. One oftenhas to choose between the easy path and the right one. UA hasalways been recognized as a company committed to the long haul.Your policyholders, your renewals, our shareholders and ourprofessional integrity dictate that we will never compromise onmaking the hard decisions when they’re the right ones.
We believe in our business. In the overwhelming majority ofcases today, insurance is still sold not bought. Life and Healthinsurance is purchased because you sold it. You took the timeto secure the lead or referral, set the appointment, establishthe trust relationship, identify the needs, and close the sale…usually after at least one objection. Through you, ourindependent Agency or Agent, United American helpsthousands of families and individuals qualify for quality healthand life insurance products every year. Each policy is backedby United American’s financial stability and renowned servicereputation. We hope you’re as proud as we are to provide thistype of service to the markets and communities you serve.
We are proud! So proud, we want more Agents representingUA. So how can you help? If you’re an agencyowner/operator, we encourage you to review how recruitingfits into your 2004 business plan. If you’re an individualproducing Agent, we encourage you to ask whether this mightbe the year you start building an agency. If you have nointerest in agency building, we hope you’ll encouragesomeone to find a good agency and get into the greatestbusiness in the world.
Recruiting, training and developing Agents are what I refer toas the “payback” aspects of our business. The best way we cangive back to our industry is to have a positive influence onsomeone’s life by mentoring them into the business. Sinceour ranks are shrinking, we need more of us doing our part toensure that the future of our industry is secure. Someone’smom or dad, son or daughter, at a time they least expect it arecounting on us.
“Let it Rise!”
Honey, someone shrunk the…
Larry Strong Senior Vice President, Director of National Recruiting
According to recent statistics, the number of life and health Agents is shrinking. This creates a challenge andopportunity for United American because we need more Agents. That’s right, United American needs moreAgents. In recent years a number of companies have found themselves needing or wanting fewer Agents. Onceagain, United American needs and wants more Agents. Here are a few of the reasons.
March 2004 • UA NEWS • 9
Phil Ortez Jr, of Phil and Kathy Ortez Insurance Agency, Inc., says, “UnitedAmerican has developed underage products that are affordable. Hospital/Surgicalpolicies are very popular. At the start of my sales presentation for this product, I givemy prospect two hospital/surgical plan choices. I also mention that if neither of thosetwo policies is acceptable, I have a third policy, which I will bring out later if needed.If my first two offerings are not affordable or just not a comfortable fit for the prospect,I bring out the HXSC 7500. Rather than leave without making a sale, I’m able toprovide them with the HSXC for only $90 monthly and make the sale.”
Writing Agent Amy-Nicole Perkins-Frank agrees. “Major medical is so expensive. Ithink for underage people who can’t afford it, United American is a perfect fit. Wedesign and tailor the policy to the specific needs of the client. United Americanallows people, who normally can’t afford health insurance coverage, to be protected.”
Jimmy K. Walker II of America’s Insurance Consultants, Inc., concurs. “UnitedAmerican supplemental products are a wonderful fit in today’s underage marketplacebecause our client’s are now able to build customized healthcare programs orsupplement existing policies with additional protection. Premium rates are affordablefor our client’s monthly budgets and are stable over a long period, which encouragesthem to stay with us for a number of years.”
United American offers outstanding supplemental health products to an underageclient base, which is expanding at a phenomenal rate. Our talented and dedicatedAgents provide healthcare solutions to many who are caught in the middle ofchanging, company benefit plans or whose options are limited by pre-existingconditions. We offer peace of mind at a price they can afford. It’s an extraordinarytime to be with United American - both for Agents and policyholders!
Today’s underage health insurance market is changing rapidly. Cutbacks in employee benefitsand rising employee contributions to employer-sponsored plans are challenging many peopleto look in new directions for their healthcare coverage. Major medical coverage throughemployee-sponsored plans is no longer a viable option for many individuals. They can’t affordthe high premiums and neither can their employers.
We’ve asked some of our most successful Agents to respond to these changes by answeringthe following:
The Market’s Never Been Better!
Why Are United American Supplement Products forUnderage Health Such a Phenomenal Fit in theMarketplace Today?
Underage...Se
lling
Phil Ortez Jr.Phil & Kathy Ortez
Insurance Agency, Inc.
Amy-Nicole Perkins-FrankP.R.’s Insurance Solutions
Jimmy K. Walker IIAmerican’s Insurance
Consultants, Inc.
10 • UA NEWS • March 2004
6. MICHAEL A. JOHNSON
7. FRANK D. DANDRIDGE
8. BUD S. GOTTLICK
9. AMY-NICOLE PERKINS-FRANK
10. JACK O. YOUNG III
11. PHILIP K. SEIDEMAN
12. JERROLD J. POSTIN
13. DIANA R. PERKINS
14. PHILIP B. ORTEZ JR.
15. REBECCA B. WHITE
16. TOD E. KEMBLE
17. TERRY W. PATTON
18. CLINTON N. RIMEK
19. RUSSELL A. EHLERS
20. SHEILA D. WILLIAMS
21. DELORES A. DAY
22. ROBYN D. WHITLOW
23. DUNCAN T. KELLAR
24. KEITH A. MARQUART
25. GREGORY PROSSER
26. VELMA J. BONDURANT
27. DALE H. ADAMS
28. BARRY COLLINSWORTH
29. GREGORY S. RICKETT
30. DUANE K. MORRIS
TO P P R O D U C E R S
6. HANI S. RIHANAmerican Ins. Agency of FL., Inc.
7. JONATHAN AHLBUMThe Ahlbum Group
8. TINA HENSONAmerican Eagle Consultants, Inc.
9. MICHAEL LEMARSunshine State Agency
10. RAY GRIFFINUnion Benefit Corp.
11. PHILIP B. ORTEZ JR.Phil & Kathy Ortez Insurance Agency, Inc.
12. THOMAS STATKEWICZSylvan-James Associates, Inc.
13. DWAYNE A. MOODYMoody Insurance Agency
14. BUD S. GOTTLICKGottlick Insurance Agency
15. CATHERINE HATTONHatton Insurance Agency
16. KENNETH R. BOWLINGThe Benefit Exchange
17. JEFFREY M. ZITOZito Insurance Agency
18. RICHARD E. GORDONGordon Marketing
19. RON CONCKLINRosenberg-Concklin, Inc.
20. JOHN W. STAMPERStamper Insurance Agency
21. DANIEL D. DENEUIDeneui Insurance Agency
22. LARRY L. WEBSTERWebster & Associates, Ltd.
23. BILL MINTONMinton Insurance Agency
24. RANDALL M. FREYVinewood Insurance Agency
25. GEORGE DEMELLO JR.LPI Associates, Inc.
26. TIM L. WILLIAMSThe Williams Division
27. ROBERT LYLEMedical Insurance Services, Inc.
28. JERRY L. SMITHSmith Insurance Agency
29. TERRY E. BREWERBrewer Insurance Agency
30. HENRY T. JONESJones Insurance Agency
Through February 2004, the following producers represent the top Agencies with the highest net combined annualizedpremium for the year. A distinguished wall plaque will be awarded each month to the number one President’s Clubcandidate. Agencies shown in color are on schedule to attend the UA Sales Conference.
Through February 2004, the following producers represent the top Writing Agents with the highest net combinedannualized premium for the year. A distinguished wall plaque will be awarded each month to the number onePacesetters Club candidate. Agents shown in color are on schedule to attend the UA Sales Conference.
1. FARM & RANCH HEALTHCAREMike Stevens, President
2. ED SHACKELFORDThe Assurance GroupParker & Associates, P.A.
4. JIMMY K. WALKER IIAmerica’s InsuranceConsultants, Inc.
3. CHARLES R. MANKAMYERAmerican Life & Health Group, Inc.
PRESIDENT’S CLUB PACESETTERS CLUB
5. PAMELA G. RANDALLP.R.’s Insurance Solutions
1. LYNN M. STOKES
2. MICHAEL A. MORRIS
4. CHET N. MARKO
3. THOMAS J. COUGHLIN
5. WILLIAM T. CORPORON
March 2004 • UA NEWS • 11
TO P P R O D U C E R S
LIFE GENERAL AGENTS HEALTH GENERAL AGENTS
LIFE WRITING AGENTS HEALTH WRITING AGENTS
1. ED SHACKELFORDThe Assurance GroupParker & Associates, P.A.
2. FARM & RANCH HEALTHCAREMike Stevens, President
3. PAMELA G. RANDALLP.R.’s Insurance Solutions
4. BARRY L. WESTMORELANDWestmoreland Insurance Agency
5. ROBERT D. COLLINSCollins Insurance Agency
6. CHARLES W. HOCKINGHocking Insurance Agency
7. WILLIAM B. COLLINS JR.Collins Insurance Agency
8. JANE L. HUMMELCenco Services Insurance
9. MATTHEW U. THOMPSONThompson Insurance Agency
10. BRIAN MCLAUGHLIN
11. STANDARD INTERNATIONALUNDERWRITERS, INC.
12. TINA HENSONAmerican Eagle Consultants, Inc.
13. DAVID K. DANIELSDavid K. Daniels & Associates
14. EARNEST R. WILSONWilson Insurance Agency
15. RICHARD REIFJ. R. Insurance Agency, Inc.
16. THOMAS STATKEWICZSylvan-James Associates, Inc.
17. WILLIAM M. DAVLINDavlin Insurance Agency
18. DAVID M. BLAIRBlair Insurance Agency
19. KATZS INSURANCEAGENCY, INC.
20. PATTIE E. DAVENPORTDavenport Insurance Agency
21. LARRY L. CHEEKCheek Insurance Agency
22. BORK AGENCY, INC.
23. CHARLES R. MANKAMYERAmerican Life & Health Group, Inc.
24. JIMMY A. FOSTERFoster Insurance Agency
25. CHARLES E. FIELDSFields Insurance Agency
26. DAN L. ARTHURSCarolina Insurance Marketing
27. ROBERT H. GREGORYGregory Insurance Agency
28. RAY W. MOELLERMoeller Insurance Agency
29. KRISHNA SINGHSingh Insurance Agency
30. JAMES C. MIGNOGNAJ.R. M. Benefits Consultants, LLC
1. LYNN M. STOKES
2. DAR H. OVERBEY
3. DAVID J. HOLLAND
4. JAMES L. DODD IV
5. THOMAS H. ELDER III
6. MARK W. WILLARD
7. BARRY COLLINSWORTH
8. CHARLES R. CLARK
9. JEFFREY A. HEYBROCK
10. CHRIS W. SIMPLER
11. BARRY WESTMORELAND
12. MICHAEL A. MORRIS
13. CHET N. MARKO
14. ROBERT D. COLLINS
15. CLINTON N. RIMEK
16. STEPHEN K. BARBER
17. DWAIN ROACHE
18. HAD DEHART
19. JERRY C. ANDERSON
20. DAWN EVANS
21. JERRY D. FROMM
22. LEX C. DEPOY
23. WILLIAM B. COLLINS JR.
24. GREGORY FALLIN
25. MATTHEW U. THOMPSON
26. RANDY J. VANPAY
27. STEPHEN W. BENNETT
28. WAYNE H. KROM
29. JERRY EVINS
30. RONALD E. HUMMEL
1. LYNN M. STOKES
2. THOMAS J. COUGHLIN
3. MICHAEL A. MORRIS
4. MICHAEL A. JOHNSON
5. WILLIAM T. CORPORON
6. BUD S. GOTTLICK
7. AMY-NICOLE PERKINS-FRANK
8. JERROLD J. POSTIN
9. FRANK D. DANDRIDGE
10. DIANA R. PERKINS
11. PHILIP K. SEIDEMAN
12. JACK O. YOUNG III
13. CHET N. MARKO
14. PHILIP B. ORTEZ JR.
15. REBECCA B. WHITE
16. TERRY W. PATTON
17. RUSSELL A. EHLERS
18. TOD E. KEMBLE
19. ROBYN D. WHITLOW
20. DELORES A. DAY
21. SHEILA D. WILLIAMS
22. KEITH A. MARQUART
23. DUNCAN T. KELLAR
24. CLINTON N. RIMEK
25. DALE H. ADAMS
26 GREGORY PROSSER
27. GREGORY S. RICKETT
28. VELMA J. BONDURANT
29. MICHELLE PATTON
30. TIMOTHY T. MOORE
1. FARM & RANCH HEALTHCAREMike Stevens, President
2. JIMMY K. WALKER IIAmerica’s Insurance Consultants, Inc.
3. CHARLES R. MANKAMYERAmerican Life & Health Group, Inc.
4. PAMELA G. RANDALLP.R.’s Insurance Solutions
5. HANI S. RIHANAmerican Insurance Agency of FL., Inc.
6. JONATHAN AHLBUMThe Ahlbum Group
7. TINA HENSONAmerican Eagle Consultants, Inc.
8. MICHAEL LEMARSunshine State Agency
9. RAY GRIFFINUnion Benefit Corp.
10. PHILIP B. ORTEZ JR.Phil & Kathy Ortez Insurance Agency, Inc.
11. THOMAS STATKEWICZSylvan-James Associates, Inc.
12. DWAYNE A. MOODYMoody Insurance Agency
13. BUD S. GOTTLICKGottlick Insurance Agency
14. CATHERINE HATTONHatton Insurance Agency
15. JEFFREY M. ZITOZito Insurance Agency
16. KENNETH R. BOWLINGThe Benefit Exchange
17. RICHARD E. GORDONGordon Marketing
18. RON CONCKLINRosenberg-Concklin, Inc.
19. FRANKLIN D. CARBONEAssured Benefits Corp.
20. DANIEL D. DENEUIDeneui Insurance Agency
21. LARRY L. WEBSTERWebster & Associates, Ltd.
22. BILL MINTONMinton Insurance Agency
23. RANDALL M. FREYVinewood Insurance Agency
24. GEORGE DEMELLO JR.LPI Associates, Inc.
25. TIM L. WILLIAMSThe Williams Division
26. ROBERT LYLEMedical Insurance Services, Inc.
27. JERRY L. SMITHSmith Insurance Agency
28. TERRY E. BREWERBrewer Insurance Agency
29. HENRY T. JONESJones Insurance Agency
30. ROBERT J. STILLWELLRobert J. Stillwell Agency, Inc.
Headquarters of United American Insurance Company
About Your CompanyFor over a half century, United American
Insurance Company has been meeting the
public’s life and health needs. We are a leader
in individual life/health protection. We are
totally committed to meeting customer needs
through personal one-on-one Agent service
and complete Home Office customer
support. You can count on UA to do what it
says it will do.
SUPPLY ORDER INFORMATION:Toll Free: 800-285-FORM or 800-285-3676Fax: 405-752-9341E-mail: [email protected] site: www.uageneralagency.com
Presorted Standard
U.S. Postage
P A I DMcKinney, Texas
Permit No. 75
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TERRITORY:Licensed in:CanadaUnited States of America
POST OFFICE BOX 8080MCKINNEY, TEXAS 75070-8080
ADDRESS SERVICE REQUESTED