01/12 Cover UA News - United American Insurance · March 2004 • UA NEWS • 3 PERSPECTIVE It’s a good play on words ... Gene Grimland President, ... 9308 and tell the representative

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!


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

VÉÇzÜtàâÄtà|ÉÇá

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."

▼

!


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


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.


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.


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


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.



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.


13. DAVID K. DANIELSDavid K. Daniels & Associates

14. EARNEST R. WILSONWilson Insurance Agency

15. RICHARD REIFJ. R. Insurance Agency, 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.


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


13. CHET N. MARKO

14. ROBERT D. COLLINS


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


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


25. DALE H. ADAMS

26 GREGORY PROSSER

27. GREGORY S. RICKETT

28. VELMA J. BONDURANT

29. MICHELLE PATTON

30. TIMOTHY T. MOORE


2. JIMMY K. WALKER IIAmerica’s Insurance Consultants, Inc.



5. HANI S. RIHANAmerican Insurance Agency of FL., Inc.

6. JONATHAN AHLBUMThe Ahlbum Group


8. MICHAEL LEMARSunshine State Agency

9. RAY GRIFFINUnion Benefit Corp.

10. PHILIP B. ORTEZ JR.Phil & Kathy Ortez Insurance Agency, 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

Documents

01/12 Cover UA News - United American Insurance · March 2004 • UA NEWS • 3 PERSPECTIVE It’s a good play on words ... Gene Grimland President, ... 9308 and tell the representative