THE GUARDIAN by pengxiuhui

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									United Farmers
Agents Association
 June 3, 2011

 Volume 3 ISSUE 6

                               THE
                             GUARDIAN
The next meet-
                            UFAA CHAPTER 16
ing of the chap-          SOUTHEAST ARIZONA
ter will be July
 28th at 11:30
   AM at the
 Golden Corral
  on North 1st
Ave.



                      THE UNITED FARMERS AGENTS ASSOCIATION IS A
 Murray Fink        PROFESSIONAL ASSOCIATION COMMITTED TO HELP-
                    ING OUR MEMBERS THROUGH EDUCATION, COMMU-
       Chapter
                    NICATION, SUPPORT AND INFORMATION AND TO ES-
        President    TABLISHING A TRUE PARTNERSHIP WITH FARMERS
                                     GROUP, INC.
 John Clevenger
        Treasurer
Page 2                                        UFAA CHAPTER 16




                 CLIP THIS COUPON FOR YOUR CLIENTS

                 COUPON FOR CASH REPAIRS ONLY


         NATIONAL AUTO COLLISION CENTERS NOW OF-
          FER MECHANICAL REPAIRS AND SERVICE
          APPROVED COD SHOP FOR FARMERS INSUR-

          BE SURE TO SUPPORT OUR
                  ADVERTISERS
Page 3
     UFAA
CHAPTER 16
   TUCSON
Allstate Seeks to 'Box In' Geico, Progressive With Esurance
By Noah Buhayar - May 18, 2011 3:21 PM CT Bloomberg News

Allstate Corp. (ALL) Chief Executive Officer Thomas Wilson, who agreed today to buy online auto- insurance seller Esur-
ance from White Mountains Insurance Group Ltd., said he's seeking to limit rivals' growth with the deal.

"What I'm basically doing is trying to box in Geico and Progressive," Wilson said in an interview today. "We'll compete
aggressively with Geico and Progressive for those customers who are self-directed and want a branded experience.
They're great companies. They know how to compete in that segment. We believe we can compete with them there."
Wilson, 53, is choosing to expand car policy sales by acquiring a company that sells through the Internet rather than
build the business in-house. Allstate has lost auto clients for most of the past three years as younger drivers shunned us-
ing agents to shop for coverage. Buying the online-insurance seller saves Allstate time and money on advertising, Wilson
said.
Zurich Financial Services AG expanded online sales in the U.S. with the 2009 purchase of 21st Century from American
International Group Inc., which was selling operations to repay a government bailout. Travelers Cos., the insurer in the
Dow Jones Industrial Average, is involved in what it calls a "long- term" process of building a business to sell auto poli-
cies through direct channels such as the Internet.

"Acquiring Esurance gives us a couple of things which we could build ourselves, but would take longer and would come
with more risk," Wilson said. Northbrook, Illinois-based Allstate's underwriting experience will help Esurance lower
claims costs and sell coverage to new customers, Wilson said.




                              OFFICE SPACE FOR RENT
                              BROADWAY AND KOLB
                              CALL STEVE DUNLAP
                              622-0554
March 18, 2010 (Atlanta, Georgia) - Adding heft to the hypothesis that
> vitamin-D deficiency is linked to cardiovascular disease, a new study has
> found that people with low vitamin-D levels who managed to normalize their
> levels were significantly less likely to develop cardiovascular events over
> up to six years of follow-up.
>
> The study was presented as a poster by Dr Tami L Bair (Intermountain Medical
> Center Heart Institute, Murray, UT) earlier this week at the American
> College of Cardiology (ACC) 2010 Scientific Sessions.
>
> According to coauthor Dr Joseph B Muhlestein (Intermountain Medical Center
> Heart Institute), the study looked at baseline and subsequent vitamin-D
> levels in 9491 subjects with known vitamin-D deficiency, rechecked their
> vitamin D, then compared subsequent rates of death, coronary artery disease,
> MI, heart failure, stroke, and renal failure among those who managed to
> bring up their vitamin-D levels with those who remained vitamin-D deficient.
> A cut point of <30 ng/mL was used to define vitamin-D deficiency.
>
> "This wasn't a randomized trial, but all of these patients started with low
> vitamin D, and then the question is, if they treated their vitamin D, did it
> have an effect? We don't know what they did . . . the presumption is that
> they were told their vitamin D was low, then started supplementation or got
> their swimsuit out and went into the sun a lot to treat it."
>
> Getting to Normal
>
> After a mean of one-year of follow-up, those who had normalized their
> vitamin-D levels were significantly less likely to have died, developed
> heart failure, or developed coronary artery disease. A composite end point,
> looking at all outcomes combined, showed a highly statistically significant
> reduction among those with normalized vitamin-D levels.
>
> Muhlestein drew particular attention to the 30% reduced risk of death in the
> normalized vitamin-D group. "A 30% reduction in risk is about the same you
> could hope to get from taking a statin or treating your blood pressure, so
> we thought it was certainly promising. It doesn't eliminate the need for a
> real randomized trial, although I'm trying to figure out a good way to do
> one."
>
> There are a number of vitamin-D trials under way, most notably VITAL
> <http://www.vitalstudy.org/> , a National Institutes of Health (NIH) study,
> launched in January.
>
> But Muhlestein is concerned that the NIH trial may come up empty-handed for
There will be no
meeting in June to
conflicts, be sure to
attend the July meet-
ing with all the up-
dates from the con-
vention
Important Foremost news.
I just got off the phone this PM with Daniela Weiss, the
Arizona rate manager with Foremost. She informed me
that lower rates for our Foremost Mobile Home policies
are usually available but you must requite the policy as
a New Business. Foremost will run credit and apply the
credit modeling. Obviously, don’t send it through if the
rate is higher (duh). Send the lower rate through and
cancel to old policy when the new (lower rate) policy
goes through.
There is only ONE change in coverage. That is the
$1500 water loss deductible. There is a $35.00 deducti-
ble buyback.

								
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