The news and ideas magazine for the Independent Agents of United American Insurance Company.
A Custom Fit
For Agents And
ProCare Approvals Attn: Life Agents
Effective immediately, Agents in Alabama, HIPPA Requirements:
Arizona, Michigan, Mississippi, Oregon, South Effective immediately, the HIPAA Compliant
Carolina, South Dakota, Tennessee, and Authorization will be required on all Life
Washington, D. C. will be selling Attained Age applications with face amounts exceeding
rates on ProCare Plans B, C, and D. Plans A, F, $50,000 or in cases where a policyholder’s
and G will remain issue age rates in these states. combined Life coverage in-force with UA
United American offers choices of premium exceeds $50,000. As the insured’s underwriter Published monthly by
structures on selected Medicare Supplement plans has the discretion to request medical records on United American Insurance
in order to give Agents more flexibility and clients any individual, occasionally the HIPAA Company for the
more choices. Updated supplies have been sent. Compliant Authorization will be required on dissemination of
For additional materials, please contact Agent applications with smaller face amounts. information to its Agents.
Supply. Prior permission must
Deposit Fund Rider Changes:
be obtained from
Attn: Ohio Agents Also effective immediately, the total balance of
deposits into the Deposit Fund Rider (DFR) United American for
As previously communicated effective
will be limited to twice the face amount of the reproduction or other use
immediately, please discontinue use of Attained
benefit purchased on the RT-85 policy. For of material herein.
Age rates for ProCare plans B, C, & D. Sales of
these plans may resume using Issue Age rates. example, if the face amount on the policyholder’s
RT-85 is $10,000, the maximum DFR account
balance would be $20,000. Any State deposit Home Office
Interest Rate Set restrictions still apply. 972-529-5085
3.00% Minimum Vice President
As announced in the August edition of UA News,
Attn: All Agents
UA Agents may order supplies via e-mail at Judy Hans
the guaranteed minimum interest rate has been
lowered to 3% where state approved. The new email@example.com or by fax Editor
money interest rate for the month of September is to 405-752-9341. Orders placed to any other
3.50 percent for these states. Rates will continue address or number may experience delays.
to be reviewed and adjusted accordingly. Graphic Designer
Attn: ND Agents Lee Griffin
Lifestyle Annuity: The North Dakota Department of Insurance is
4.00% Minimum asking that any Agent with the knowledge or Agent Service Center
Certain states will retain a 4% minimum reasonable belief of fraudulent insurance acts 800-925-7355
guarantee rate until the 3% rate is approved. The which are, will be, or have been committed to
new money interest rate for the month of contact their offices within 60 days of determining Supply Order Information
September is 4.00 percent for these states. Rates fraudulent activity. Agents may contact Laurie 800-285-3676
will continue to be reviewed and adjusted Wolf at the ND DOI by telephone at 701-328-
accordingly. 2442 or by e-mail at firstname.lastname@example.org. Supply Order Fax
The Deposit Fund Rider interest rate for 2003 405-752-9341
has been set at 4.00 percent. Attn: CA Agents
The California Department of Insurance will Supply Order E-mail
Good News! increase its fee schedule by 10 percent effective uaagentsupply
United American Agents can now sell the January 1, 2004. An Agent who currently pays a @torchmarkcorp.com
United Investors line of term life, interest bi-annual renewal fee of $130 will now be paying
sensitive life and annuity products, and this $144 or $14 more every two years. Also please Web Sites
production will count towards qualifying for the be advised that a $22 termination fee will be www.unitedamerican.com
2004 Sales Convention at the Atlantis Resort. imposed on non-renewing Agents. For more www.uageneralagency.com
Log on to www.uilic.com to learn more about information, please log on to
United Investors Life products. www.insurance.ca.gov and search for Bulletin No.
August UA News Correction
UA’s Critical Illness product is not approved for
use in Arizona. The plan is filed, and we will
post the approval as soon as it is received. We
apologize for any confusion this may have caused.
2 • UA NEWS • September 2003
Final Expense Insurance:
A Custom Fit!
Final Expense insurance can serve as an important UA’s Final Expense plans are not only a good fit for your
cornerstone of financial security. When a loved one customers, but also for you, our valued Agent. Your
dies, surviving family members are often faced with more success in the Final Expense market is important to us at
than 50 questions, mostly dealing with expenses. The United American, and we are continuously striving to
pain of loss is enough to bear without the additional provide you with the best tools and incentives you need
stress of making major financial decisions. We all want to sell this vital coverage.
to protect our families and provide them as much
security as possible, and this is when Final Expense At UA, we realize your success with Final Expense
insurance can fill an important need. products is dependent upon several important factors:
• Competitive products
With this in mind, it is easy to understand that the most • Simplified underwriting
common objection a prospect may have to Final Expense • Top commissions with advances
insurance is not need, but cost. Fortunately, UA’s Final • Fast claims payment
Expense plans can be custom-fitted to almost any • Good marketing tools
family’s budget. UA is able to adjust benefits and face • Company commitment
amounts until the
premium is at a level the
United American offers all
family can afford. At
these benefits to our Final
UA, we like to think
Expense Agents. Our
of this as a “money commitment to you is evident
purchase” concept. FROM THE DESK OF:
everyday through our quality
Gene Grimland products, superior home office
For example, if a client President, General Agency support, and effective marketing
can only pay $25 per Marketing Division
tools. Our goal is to equip you
month for Final Expense for success. See pages 6-8 for an
coverage, UA’s plan can overview of our products and for
be issued for exactly $25 useful marketing facts.
per month, and the face
amount can be adjusted Of course, with all UA offers, it
accordingly. The “money purchase” concept is a wise is still the Company itself which gives UA an important
practice when selling Final Expense coverage. If the edge. Our reputation for stability and service reflect
customer is comfortable with not only the benefit but positively upon our Agents. UA’s industry rankings are
also the premium, the policy is more likely to always the top of our field. In fact, Standard and Poor’s
stay in force. has just confirmed UA’s “AA Excellent” rating for
financial strength and claims-paying ability for
The key to making and keeping Final Expense sales is to another year!
never oversell these coverages. Modest amounts of
premium — $15 to $40 per month — both serve the Indeed, UA’s Final Expense products are a custom fit for
clients’ needs and keep up persistency. Your customers both our policyholders and Agents. If you haven’t
get the coverage they need at a price they can afford, already, add UA Final Expense policies to your selling
and you get a sale that stays. Be sure to read the sales portfolio today!
tips from Jamie Dodd, our number one Life Writing All You
Agent on page 9.
September 2003 • UA NEWS • 3
In the spotlight
Donita Jacobs, our Convention a place or state of bliss, felicity or delight
Coordinator has done an
excellent job of coordinating
annual conventions and
numerous business meetings for
Torchmark affiliate companies
since Roy Hammock retired.
Donita Jacobs Planning conventions and
organizing travel plans for Fortune 500 companies No matter how you define paradise, you won’t
may be the furthest thing she thought of doing
want to miss UA’s sales conference to this island
growing up in Idabel, Oklahoma, but it sure does
suit her. “I love my job. I was born to do this,” getaway! Next June 2004, United American will
said Donita. be honoring our top producers at the Atlantis
Resort on Paradise Island, Bahamas.
Donita grew up in Oklahoma and is the third of
four children and the only girl. After graduation This breathtaking resort features:
she attended Henderson State University
majoring in Social Studies. She received her • The world’s largest marine habitat with 11
Master’s in 1991 in Political Science and for a exhibit lagoons
decade taught Social Sciences at Eastern
Oklahoma State College. • Six water slides and rides — choose from an
exhilarating ride through a shark infested lagoon, or a fun-
In 1993, she became the principal of an filled ride on a lazy river. You can also tempt fate with their
alternative school for juveniles located on the “Leap of Faith” slide - a six-story drop from a realistic Mayan
campus of Cossatot Technical College. After five Temple.
years, she transferred to Administration where she
was the Director of the Welfare to Work Program. • “Rodeo Drive/Madison Avenue” designer shopping -
all duty free and on site. If you want a taste of true Bahamian
In January 2001, she joined United American as souvenirs and gifts, the BahamaCraftCentre is a short (two-
Convention Coordinator and proclaims “it minute) walk from the resort.
certainly is a lot more fun than what I was doing,
but no less different. I’m a caretaker. I like • Water, water, everywhere! The resort boasts four,
helping people, whether they’re kids who need a white sand beaches and seven (7) swimming pools and water
firm hand and a push in the right direction, or sports galore.
insurance agents who deserve to be treated as
UA’s cream of the crop. I just appreciate the • Excursions including swimming with dolphins,
opportunity to fill some big shoes.” carriage rides through historic Nassau, and sunset cruises on a
She’s a fighter as well. Donita is always up for a
challenge and life handed her one a year and a • Sports Center complex with 10 tennis courts,
half ago. Shortly after joining UA she was
basketball, beach volleyball and an 18-hole putting course.
diagnosed with breast cancer. Her faith in God,
her daughter Nikki, as well as close family and
• Golf Course - try your luck at the beautiful Ocean Club
friends brought her through it, and now she’s
Golf course, a par 72, championship designed course by Tom
Though you’ll never see her strap on cowboy
• Mandara Spa - marinate in the lap of luxury at the resort’s
boots and sing Willie Nelson songs like her
predecessor did, you can catch her center stage world-class spa.
when you attend our next United American
function, and it’s sure to be a stellar performance! There’s so much more to see and do! Log on to
www.atlantisresort.com to check out this fabulous resort.
Make sure you’re on schedule by checking pp. 10-11. Agents on
schedule will be shown in color. Then mark your calendars for
4 • UA NEWS • September 2003
June 3-6, 2004!
ttitudes, whether positive or negative, have the immense power to impact an
individual’s success and ultimately an organization’s success. Your attitude is
contagious! You’ve seen it before, maybe even experienced attitude (mood)
swings in your own home or workplace. It’s a ripple effect — say your manager is in a good
mood and has a great attitude. That attitude will naturally trickle down to those around
him/her creating a comfortable environment. Conversely, if the boss is in a sour mood and
speaks nothing but negative thoughts, the office environment grows somber as the negativity
spreads like a poisonous gas. On a more personal level, how can you be an effective,
successful insurance agent when your attitude is negative?
Life is all about making choices. When you cut away all the junk, every situation is a choice.
You choose how to react to situations. You choose how people affect your mood. The
bottom line: Every morning you make a choice about your attitude, and it carries you
through the day. It’s your choice how you live your life.
One of the many advantages to having a great attitude is the latitude that comes with making the right choice.
When you choose a positive attitude, you open (mental) doors that would have otherwise been closed because you
were so wrapped up in the negative you couldn’t focus on the positive. Remember to focus on WIN - What’s Important Now.
There’s a saying, “Today is the tomorrow you worried about yesterday.” Everyday we have the choice to live fully.
When you’ve got a positive attitude, you live life with gusto.
❑ Did not take ‘no’ personally and allow it to make them feel like a failure.
They have high enough levels of confidence or self-esteem so although
Putting it to they may feel disappointed, they are not devastated.
❑ 100% acceptance of responsibility for results.
They didn’t blame the economy, the competition, or their company for their
WORK lack of closing sales. They worked hard to make negatives work to their
advantage and learned from their mistakes.
❑ Above average ambition and desire to succeed.
These two areas affected their priorities, how they spent their time on and
off the job, with whom they associated, etc.
Having the right attitude makes the
difference. The Harvard Business ❑ Ability to approach strangers even when it is uncomfortable.
School did a study to determine the
common characteristics of top ❑ High levels of empathy. The ability to put themselves in other’s shoes,
imagine needs and respond appropriately was a habit.
salespeople. Results of the survey
indicate that most people can be top ❑ Above average will power and determination.
sellers if they are willing to study, No matter how tempted they were to give up, they persisted to their goals.
Self discipline was key.
concentrate and focus on their
performance. Read the checklist at ❑ Impeccably honest with themselves and the customer.
right for the attributes of highly No matter what the temptation to fudge, these people resisted and gained
ongoing trust of customers.
successful people and see how you
rate in comparison. Then think about ❑ Intensely goal-oriented. Always knowing what their goal was and how
what you can do to help yourself. much progress they had made limited distractions.
September 2003 • UA NEWS • 5
Final Expense Protection: United American offers a variety of ads and tools to help you effectively market our Life products. Featured
on this page are available and approved materials to assist in generating and winning Life sales! All materials
are available to UA General Agents free of charge, unless otherwise indicated, and may be ordered by
contacting UA Agent Supply. Take a look....
Finding peace of mind for your prospects
Final Expense protection provides security and peace of mind for families during their most difficult time.
The loss of a loved one is burden enough, but the added stress of final expenses can be overwhelming. When If you suddenly
most people die, they leave behind a legacy of debt — funeral costs, last illness expenses, legal and accounting “Secure” Life Brochure aren’t there,
how will your family
fees, debts — unless they have prepared for these costs. With UA’s supplemental Final Expense plans, they
can be. Read below to learn what UA offers to protect families against final expenses. This two-color brochure contains a
This four-color brochure features Don’t put off an
the UA Life product portfolio and
that could provide needs assessment, table of costs for
UA’s Most Popular Supplemental Life Plans Company background.
final expenses, and explanation of
P.O. BOX 8080 • McKINNEY, TEXAS 75070-8080
These are not Pre-need or Pre-arranged funeral plans.
Form LWB 2000
UA Life plans.
P.O. BOX 8080 • McKINNEY, TEXAS 75070-8080
F3725R These are not Pre-need or Pre-arranged funeral plans.
Benefit 21-Pay Plan 511 400 Series RT-85 One Life
Issue Ages Age 0-79 Age 0-49 Age 45-80 Age 18-85 Age 40-70
Whole Life X X X X Life Doorhanger Memorial Guide
UADH2 Memorial Guide
Term X www.unitedamerican.com
Where will the money come
from to pay final expenses? FOR
Use this tool to help your prospects
Funerals can be one of the most
expensive and emotional purchases many
Use this doorhanger to assist in
individuals will ever make. Are you prepared
to make the emotionally and financially taxing
decisions associated with final expenses for a
Guaranteed Renewability X X X X X United American Insurance Company offers you
the opportunity to plan today for the financial
security of your family. Return the card
below to find out how.
LDH2 your Life prospecting efforts. REQUESTS
or customers understand and
Comes complete with space for organize their final wishes and
Quick Claim Settlement X X X X X expenses.
McKINNEY TX 75070-9919
PO BOX 8080
UNITED AMERICAN INSURANCE COMPANY
ATTN LIFE DIVISION
BUSINESS REPLY MAIL
FIRST-CLASS MAIL PERMIT NO 25 MCKINNEY TEXAS
POSTAGE WILL BE PAID BY ADDRESSEE
your business card and detachable
customer reply card.
Field Underwriting X X X X X
Cash and Loan Value X X X
Final Expense Presentation Welcome Kit
Paid-Up Insurance X X X FEP 1-02
UNITED AMERICAN INSURANCE COMPANY
UNITED AMERICAN INSURANCE COMPANY
This sturdy, vinyl folder (75 cents)
contains pockets for the policy and
Available as a CD ($3) or flipbook
Coverage Available X X X X X FAVRE ST. 3
ANYWHERE, WS 39648
Immediately ($12), this presentation helps other important documents, a place
customers understand the need for final for your business card, a pre-printed
Choice of Payment X expense protection and choose the “Thank You” note with envelope
Options (10-Pay, 15-Pay, Ordinary) coverage that best suits their family. (10 cents), and a referral lead card.
Built-in Growth Factor/ X X
Choice of Increasing Benefit
Economical Final Expense
Protection For Couples
Life Print Ads
Policy Form JSWL
Double Indemnity for X Joint Last Survivor
. . . the joint decision to protect family members
from the financial burden of final expense costs! You remember your wedding day...
friends, family, the dress she wore.
Accidental Death n ★ Issue ages 45-80
★ Lifts financial burden of second spouse’s
death from shoulders of the family
★ Helpful Memorial Guides allow each spouse to
You remember the vows you took...
to love, to honor, to cherish.
Take care of each other now...
make individual wishes known LIFE ISN’T PREDICTABLE. just like you always have.
★ Lower cost for joint coverage
g ★ Direct cash payment to the beneficiary ARE YOU READY?
★ No physical exam — immediate qualification
(subject to health questions) When your family needs help we’ll be
Graded Death* X X
United American is pleased to introduce our One Life Plan,
there. Because we know at times of a joint whole life insurance policy for couples age 40-70.
UA can tailor the right coverage for stress how important quick settlement of
your needs in nearly any situation! ❖ One policy covers both you and your spouse.
claims can be for your loved ones.
❖ Claims are paid in one lump sum.
Agency Name ❖ Benefits are issued upon the first death.
The RT85 is quality term life insurance at a great
Address • City, State Zip
Phone # price from United American Insurance Company. Help fill the sudden income gap and take care of each other,
just like you always have.
Check out a few of our features:
UNITED AMERICAN INSURANCE COMPANY ❖ Issue ages 18 to 85 For more information call:
❖ No physical exam to qualify. Policy issue is based upon [Agent name]
This policy has some limitations and exclusions. • Plans and benefits may vary by state.
• This is not a “Pre-Need” or “Pre-Arranged” funeral plan. • This is a solicitation for answers given to health questions. [Phone number]
insurance and you will be contacted by a state-licensed insurance Agent representing ❖ Immediate coverage with policy issue
United American Insurance Company.
Ideal protection for families just starting out,
and for others that might not have the
Living Benefit* X X
coverage necessary to protect their families.
These policies have some limitations and exclusions. This is a solicitation for
For Full Details, Call or Write: insurance and you will be contacted by a state-licensed Agent representing
Agency Name United American Insurance Company.
Address Phone # (Business)
Joint Last Survivor
City, State Zip AD-155GAD Policy Form JWL1001
Accidental Death X UNITED AMERICAN INSURANCE COMPANY
Plans and benefits may vary by state. ◆ These policies have some limitations
and exclusions. ◆ Not a “Pre-Need” or “Pre-Arranged” funeral plan. ◆ This is a
solicitation for insurance and you will be contacted by a state-licensed
insurance Agent representing United American Insurance Company.
Child Benefit X AD-139
Whole Life AD-155GAD
*Available in states where approved. RT-85 Memorial Memorial
AD-147 Guide Guide
6 • UA NEWS • September 2003
AD-140 September 2003 • UA NEWS • 7
That’s a Fact of Life
A Look at the Life market
Life Insurance Purchases
in the United States, By Year
Life In General
Did you know?
• Life insurance is integral to the economies of all 50
states. Americans purchased billions of dollars of Life
insurance in each state in 2001. Californians bought
the most at $183 billion, while Wyoming residents
purchased $2 billion (Life Insurers Fact Book 2002).
Amounts in millions
• Total Life insurance in force ranged from $1.9 trillion
in California to $23 billion in Wyoming (Life Insurers
Fact Book 2002).
• Conservative funeral cost estimates range from $8,000
to $10,000. It is not an exaggeration to say that
funeral arrangements made at the time of death could
easily balloon to $30,000 or higher (Senior Market
Advisor April 2002).
• For those on a budget, there are numerous discount
resources online that will ship caskets within 48 hours
and cost as much as 50% less than funeral home prices. 1940 1960 1980 1990 2000 2001
Your clients should know that by law funeral homes
cannot prevent the use of caskets and urns purchased
from outside sources (Senior Market Advisor April
Source: Life Insurers Fact Book 2002.
Individual Life Insurance
In The United States
Did You Know? 2001
• Individual Life is the most widely used Purchases
form of Life insurance protection (Life Of Life Insurance
Insurers Fact Book 2002).
Face Amount (millions) $1,041,706 $1,593,907 $1,600,471
• At year-end 2001, individual Life Policies (thousands) 13,583 13,345 14,059
accounted for 57% of all Life insurance in
force in the United States (Life Insurers
Fact Book 2002). Life Insurance
• Individual Life protection in the United Face Amount (millions) $5,700,252 $9,376,370 $9,345,723
States totaled $9.3 trillion at the end of
Policies (thousands) 170,009 162,550 166,118
2001. Individual insurance in force has
grown at an average annual rate of five
percent since 1991 (Life Insurers
Fact Book 2002). Source: Life Insurers Fact Book 2002.
8 • UA NEWS • September 2003
Tips From The Top
We asked our #1 Life Writing Agent, Mr. Jamie Dodd to give us some tips he
uses to close final expense sales. As an agent for The Assurance Group,
Jamie turned these ideas into action and wrote over $193,000 in net
Jamie Dodd annualized life premium last year.
Why Sell Final Expense?
• I find many prospective customers have purchased life insurance in the past but that money may be earmarked for another
purpose, or may not be enough to cover final expenses today.
• Many of the seniors I meet lost their life insurance policy when they retired so they need to replace that protection.
• I explain UA’s final expense policies supplement — meaning they do not replace — whatever existing coverage the
prospective customer has in place.
The Warm Up
• I find a common bond with the customer and use small talk about children or grandchildren, yardwork, weather, etc.
• Always compliment them on something in their home - “I notice you have a nice collection of thimbles.”
• After about 5-10 minutes, I get up and move to the kitchen table so we can discuss the coverage. It may be ‘old school’
thinking, but I believe business should always be conducted at the table.
The Sales Presentation
• You need to create the need for final expense coverage - show facts on how much funerals cost in your local area, and/or
on a national level (www.nfda.org is a good source for current prices).
• I begin the sales presentation by talking about the Agency I represent, how long we’ve been in business, etc. Then I talk
about United American (see category below).
• Put the customer at ease. I always show clients my state insurance license so they know I am qualified to write business in
their state and I am a professional.
• Review the product features. I explain that final expense coverage will be there for them and their family for the rest of
their life and that it pays in addition to other coverage they may have. I also tell them that their policy will never be
cancelled, and benefits will never be reduced.
• I close at least 8-10 times from different angles. No matter what you’re selling, the objections are all the same: “I can’t
afford it,” “I already have insurance,” “I need to talk to my children/accountant,” “Let me think about it.” My job is to
address these up front and all through the presentation so there are no surprises at the end.
• Sell on premium amount and not on face amount. I typically offer a choice of payment: $40, $50 or $60 per month and
adjust up or down depending on their budget or desired level of coverage.
I Make the Difference
• I like to say, “Mr. Prospect, every policy sold is serviced by an Agent - you talk to me over the phone, not someone who
may not know what they are talking about.”
• I believe in what I sell — I own a 21-Pay policy on myself because I value the importance of life insurance for my family.
• Explain that United American is owned by Torchmark Corporation, a Fortune 500 Company traded on the New York
• I stress there are no name changes! Many companies withdraw from the final expense market, causing name changes and
confusion. UA is here to stay - no name changes or buy outs.
• I discuss how UA provides quick claims payment to beneficiaries and there’s no physical exam - just simple Yes/No health
questions to determine their eligibility.
• Many times I have sold a life insurance policy just because the customer happens to already be a UA Medicare
Supplement policyholder and he/she is aware of the quality of the company backing the coverage.
September 2003 • UA NEWS • 9
PRESIDENT’S CLUB PACESETTERS CLUB
Through August 2003, the following producers represent the top Agencies with the highest net combined annualized Through August 2003, the following producers represent the top Writing Agents with the highest net combined
premium for the year. A distinguished wall plaque will be awarded each month to the number one President’s Club annualized premium for the year. A distinguished wall plaque will be awarded each month to the number one
candidate. Agencies shown in color are on schedule to attend the UA Sales Conference. Pacesetters Club candidate. Agents shown in color are on schedule to attend the UA Sales Conference.
6. THOMAS STATKEWICZ 6. AMY-NICOLE PERKINS
Sylvan-James Associates, Inc.
7. RAY GRIFFIN 7. RICHARD W. CHALKER
Union Benefit Corp.
8. MICHAEL LEMAR 8. PHILIP B. ORTEZ JR.
Sunshine State Agency
9. TINA HENSON 9. JERRY C. ANDERSON
1. FARM & RANCH HEALTHCARE American Eagle Consultants, Inc. 1. DIANA R. PERKINS
Mike Stevens, President 10. PHILIP B. ORTEZ JR. 10. TOD E. KEMBLE
Phil & Kathy Ortez Insurance
Agency, Inc. 11. GREGORY PROSSER
11. HANI S. RIHAN
H.R. Marketing 12. JAMES E. MAYNER
12. LARRY L. WEBSTER
Webster & Associates, Ltd. 13. BARRY COLLINSWORTH
13. CATHERINE HATTON
2. KEN PARKER Hatton Insurance Agency 2. CAMERON M. KIRCHOFF 14. STEPHEN K. BARBER
Parker & Associates, P.A. 14. JONATHAN AHLBUM
The Ahlbum Group 15. MICHELLE PATTON
15. TERRY E. BREWER
Brewer Insurance Agency 16. RICHARD R. ZEIS
16. ROBERT LYLE
Medical Insurance Services, Inc. 17. JAY M. MULLINS
17. RON CONCKLIN
Rosenberg-Concklin, Inc. 18. JOHN M. BLOOM
3. CHARLES R. MANKAMYER 18. DAVID K. DANIELS 3. CLINT HILL
American Life & Health Group, Inc. David K. Daniels & Associates 19. LYNN M. STOKES
19. FRANKLIN D. CARBONE
Assured Benefits Corp. 20. JUDITH M. KETELSEN
20. PAUL SWEENEY
Quality First Insurance Agency, Inc. 21. FREDERICK S. KANDEL
21. KENNETH R. BOWLING
Bowling Insurance Agency 22. C. DEAN DAVISON
22. WILLIAM BREWER
4. PAMELA RANDALL Brewer Insurance Agency 4. FRANK D. DANDRIDGE
23. STEVE F. JANSEN
P.R.’s Insurance Solutions
23. EAGLE INSURANCE GROUP
24. ROY G. WEINBERG 24. ANDREW M. BASHOR
Weinberg Insurance Agency
25. WILLIAM F. WISE JR. 25. JEFFREY A. SWAIN
Wise Insurance Agency
26. JANE L. HUMMEL 26. PHILIP K. SEIDEMAN
Cenco Services Insurance
27. JOSEPH M. EICHMAN 27. BRUCE A. BEIKMAN
5. JIMMY K. WALKER II Eichman Insurance Agency 5. TERRANCE R. DAVIDSON
28. PAUL D. WOOD JR. 28. BRAMLETTE H. BROWDER
National Health Insurance Company
29. ROBERT POLLIER JR. 29. JEFFREY LEGGETT
All You Senior Management Services
Need Is 30. GARY SAUNDERS
One 30. GERALD R. STEVENS
Stevens & Associates Insurance Agency
10 • UA NEWS • September 2003
LIFE GENERAL AGENTS HEALTH GENERAL AGENTS
1. KEN PARKER 16. RICHARD REIF 1. FARM & RANCH HEALTHCARE 16. RON CONCKLIN
Parker & Associates, P.A. J. R. Insurance Agency, Inc. Mike Stevens, President Rosenberg-Concklin, Inc.
2. FARM & RANCH HEALTHCARE 17. DAVID L. GINSKI 2. CHARLES R. MANKAMYER 17. FRANKLIN D. CARBONE
Mike Stevens, President Ginski Insurance Agency American Life & Health Group, Inc. Assured Benefits Corp.
3. EAGLES INSURANCE GROUP 18. BORK AGENCY, INC. 3. PAMELA RANDALL 18. PAUL SWEENEY
P.R.’s Insurance Solutions Quality First Insurance Agency, Inc.
4. MATTHEW U. THOMPSON 19. ALLEN V. TURNER
Thompson Insurance Agency
4. JIMMY K. WALKER II 19. WILLIAM BREWER
Turner Insurance Agency America’s Insurance Consultants, Inc.
5. DAVID K. DANIELS Brewer Insurance Agency
20. KRISHNA SINGH 5. THOMAS STATKEWICZ
David K. Daniels & Associates 20. KENNETH R. BOWLING
Singh Insurance Agency Sylvan-James Associates, Inc.
6. STANDARD INTERNATIONAL Bowling Insurance Agency
21. EDWARD L. WEHRENBERG 6. RAY GRIFFIN
UNDERWRITERS, INC. Union Benefit Corp. 21. DAVID K. DANIELS
Wehrenberg Insurance Marketing
7. TINA HENSON David K. Daniels & Associates
22. ROBERT D. COLLINS 7. MICHAEL LEMAR
American Eagle Consultants, Inc. Sunshine State Agency 22. ROY G. WEINBERG
Collins Insurance Agency
8. BRIAN H. MCLAUGHLIN Weinberg Insurance Agency
23. ROBERT H. GREGORY 8. PHILIP B. ORTEZ JR.
McLaughlin Insurance Agency Phil & Kathy Ortez Insurance Agency, Inc. 23. WILLIAM F. WISE JR.
Gregory Insurance Agency Wise Insurance Agency
9. JAY F. ROMERO 9. TINA HENSON
24. WILLIAM M. DAVLIN American Eagle Consultants, Inc. 24. JOSEPH M. EICHMAN
Romero Insurance Agency
Davlin Insurance Agency 10. HANI S. RIHAN Eichman Insurance Agency
10. STEPHEN E. FREY
Frey Insurance Agency 25. MGO INC. H.R. Marketing 25. JANE L. HUMMEL
26. PATRICK D. PATTERSON 11. LARRY L. WEBSTER Cenco Services Insurance
11. MICHAEL P. KOETTING
United Insurance Group Agency, Inc. Webster & Associates, Ltd. 26. PAUL D. WOOD JR.
Koetting Insurance Agency
12. CATHERINE HATTON National Health Insurance Agency
12. PAUL COLSON 27. DAN L. ARTHURS
Hatton Insurance Agency 27. ROBERT POLLIER JR.
Senior American Insurance Agency, Inc. Carolina Insurance Marketing
13. JONATHAN AHLBUM Senior Management Services
13. RICHARD F. GRAHAM 28. ALBERT R. MCKENZIE
The Ahlbum Group 28. GERALD R. STEVENS
Graham Insurance Agency McKenzie Insurance Agency
14. TERRY E. BREWER Stevens & Associates Insurance Agency
14. THOMAS STATKEWICZ 29. RICHARD HARKER
Brewer Insurance Agency 29. KEVIN C. MALLEY
Sylvan-James Associates, Inc. Harker Insurance Agency
15. ROBERT LYLE Malley Insurance Agency
15. WILLIAM J. FEDIGAN 30. PAMELA RANDALL Medical Insurance Services, Inc. 30. FLORIDA CO-OP INSURANCE
Fedigan Insurance Agency P.R.’s Insurance Solutions
LIFE WRITING AGENTS HEALTH WRITING AGENTS
1. JAMES L. DODD IV 16. CURTIS O. LOVE 1. DIANA R. PERKINS 16. TOD E. KEMBLE
2. JEFFERY A. HEYBROCK 17. MICHAEL A. WATKINS 2. AMY-NICOLE PERKINS 17. STEVE F. JANSEN
3. ELLEN S. NICODEMUS 18. TERRY L. LAMBETH 3. TERRANCE R. DAVIDSON 18. FREDERICK S. KANDEL
4. ROBERT W. MITCHELL 19. LARRY W. MURPHY JR. 4. CLINT HILL 19. BRAMLETTE H. BROWDER
5. CHRIS W. SIMPLER 20. GREGORY T. BYRD 5. FRANK D. DANDRIDGE 20. LYNN M. STOKES
6. BARRY COLLINSWORTH 21. WALLACE L. PEGRAM 6. CAMERON M. KIRCHOFF 21. C. DEAN DAVISON
7. STEPHEN W. BENNETT 22. DARRYL L. GORDON 7. PHILIP B. ORTEZ JR. 22. ANDREW M. BASHOR
8. LARRY A. WEINER 23. DONALD L. MCINTYRE 8. RICHARD W. CHALKER 23. STEVE F. JANSEN
9. TERRY M. BARKSDALE 24. IZZ ISSA 9. JAMES E. MAYNER 24. JAY M. MULLINS
10. STEPHEN K. BARBER 25. MISTY M. NICODEMUS 10. GREGORY PROSSER 25. PHILIP K. SEIDEMAN
11. MARK NATIONS 26. CHAD R. SMITH 11. MICHELLE PATTON 26 GARY SAUNDERS
12. JAMES H. KALCHTHALER 27. EDWARD L. HAYNES 12. JERRY C. ANDERSON 27. BRUCE A. BEIKMAN
13. BRYAN K. COATS 28. WILLIAM C. DAVIS 13. RICHARD R. ZEIS 28. JEFFREY A. SWAIN
14. CHARLES R. CLARK 29. DAR H. OVERBEY 14. JOHN M. BLOOM 29. TERRY W. PATTON
15. ROBERT C. ETHRIDGE 30. CRAIG WARD 15. JUDITH M. KETELSEN 30. ROSSIE P. HARDISON
September 2003 • UA NEWS • 11
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About Your Company Florida
For over a half century, United American Hawaii Nevada Virginia
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Insurance Company has been meeting the
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public’s life and health needs. We are a leader Indiana New Mexico Wisconsin
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in individual life/health protection. We are
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totally committed to meeting customer needs
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and complete Home Office customer Toll Free: 800-285-FORM or 800-285-3676
support. You can count on UA to do what it Fax: 405-752-9341
says it will do. Web site: www.uageneralagency.com
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