FORMERLY THE HOUSTON ASSOCIATION OF LIFE UNDERWRITERS

FORMERLY THE HOUSTON ASSOCIATION OF LIFE UNDERWRITERS

NAIFA Houston

MONTHLY LUNCHEON

NAIFA Houston Bulletin Volume 12 Number 9

WEBSITES:

www.naifa.org

www.naifa-texas.org

www.naifahouston.org

OUR

NAME

HAS

CHANGED!

Houston Racquet Club10709 Memorial Drive

(East of Voss)

Like Your BusinessWe Need Referrals.

Have You Referred a Member This Month?

“Agency Cup”

GolfTournament

Our Next Monthly LuncheonThursday

October 14, 2010

In This Issue...Seattle Memories ...............................................Page 9-11

It's All About the PAC! ......................................2-13

Do you "Have a Heart" ....................................Page 15

IFAPAC Form - Soooo Easy! ...........................Page17

Assocation CE Form .........................................Page 21

GOLF - AGENCY CUP!!!!! ............................Page 22-23

Don't be a Freeloader!!!! ....................................Page 24

Alan C. Kifer

“Put Your Forks Down and Listen”

October 2010

Elite Marketing Helps Solve the Insurance Puzzle

For More Information Call: Robert Ledman 713/507-1027

[email protected]

GROUP VISION

DENTAL LTD

Mini Med Group Life LTD STD Dental Vision

Occupational Accident Disability Major Med International Travel Medical Worker’s Compensation Alternatives

We Can Help You Put All the Pieces Together!

Securities and Investment Advisory Services offered through ING Financial Partners, Member SIPC Elite Marketing Group, Insurance Designers of Houston is not a subsidiary of nor controlled by ING Financial Partners.

Issue 10October 10 2

ALAN C. KIFER

Alan is a retired U.S. Air Force Fighter Weapons School “Top Gun” Instructor and former International Air Force’s “Navigator of the Year”. Alan has served as an adjunct faculty member and/or course instructor/moderator for The American College as well as faculty instructor for several nationally accredited academic institutions too numerous to mention here. Alan is a member of NAIFA, Society of FSP, NATP, AALTCI, NCA, AHIA, The VFW, The American Legion and The Air Force Association.

He is also the recipient of numerous awards for both for outstanding academic instructor performance/achievement and industry achievement.

He holds a Bachelor of Arts in Political Science and Foreign Languages, a Masters of Science Degree in Management and Business Ad-ministration and will complete a Masters of Science Degree in Financial Services (MSFS) this November.

Alan has completed the Curriculum Requirements for the following:

Registered Financial Consultant™ (RFC)Certification in Long Term Care (CLTC) Long Term Care Professional (LTCP) Certified Estate Planner (CEP)Board Certification in Estate Planning (BCE)Certified Senior Consultant (CSC)Certified Senior Specialist (CSS)Certified Tax Specialist (CTS)

Certified Financial Planner™ (CFP)Registered Financial Planner© (RFP)Long Term Care Insurance Strategist (LTCIS)Charitable Planning Specialist (CPS)Certified Charitable Advisor (CCA)Master Certified Charitable Advisor (MCCA)Certified Annuity Specialist (CAS)Life Ins. Underwriter Training Council Fellow (LUTCF)

Alan’s experience in the Insurance and Financial Services industry spans more than 20 years. He is one of only two Texans who are Capitol Club level contributors ($5,000+ per year) to IFAPAC.

October 10 Issue 103

NAIFA Houston - Officers & Directors 2010-2011

NAIFA HoustonEditorial and Advertising Office

3200 Wilcrest Drive, Suite 480 Houston, Texas 77042www.naifahouston.org

7135265331•Fax7135262911The NAIFA Houston bulletin is published 12 times per year by the National Association of Insurance and Financial Advisors Houston. The NAIFA Houston bulletin publishes articles and advertisements to in-form and educate our members. Unless specifically stated, the publishing of an article or an advertisement does not imply endorsement by NAIFA Houston, or either the views expressed or the products advertised. And while every effort is made to verify the correctness of the information, NAIFA Houston cannot assume responsibility for any application of information to a specific business decision. Publisher reserves the right to accept or reject all advertising material or editorial copy. Publisher assumes no responsibility for return of unsolicited manuscripts, art or photographs. Reprinting of articles is permitted. An acknowledgement to NAIFA Houston is requested. All submissions are welcome.

National Association of Insurance and Financial Advisors ............................ 800-866-2432Million Dollar Round Table ......................................................................... 847-692-6378Texas Department of Insurance ................................................................... 512-463-6169NAIFA TEXAS ........................................................................................... 512-716-8800

ADVERTISER INDEX

President's Message .............................................5Membership Corner ..............................................7Foundation News ..................................................8Membership News ................................................9MDRT Minute ...................................................20Calendar of Events .............................................26

Advisors Financial Group ..................... Back CoverBenefit Concepts ..................................................16Best Networks Houston ....................................... 6Elite Marketing ................................................... 2Elite Marketing ................................... Back CoverEMSI .................................................................. 6ExamOne ............................................................ 3Green Bank ........................................................10Houston Advantage Insurance .............................27John Hancock ....................................................16National Life ........................................................ 6Pacific Life ..........................................................14Portamedic .......................................................... 6State Farm - Dee Coleman ................................... 6Summit Alliance .................................................. 3Thom Polvogt Agency .........................................10Trustmark Life Insurance ....................................10

EXECUTIVE DIRECTOREllie Kennedy ([email protected])IMPORTANT NUMBERS

THE BULLETIN

President Chane Reagan, LUTCF, FSSAwards Chane Reagan Financial Services

22922 Still Pond Dr. • Tomball, TX 77375 281-770-1617 • Fax 866-567-4931 Email: [email protected] Term Ends June 2012

Past President Geordie M. Hrdlicka, J.D., LL.M., CFPPhotography Verde Wealth Group Technology 2323 S. Shepherd, Suite 845 • Houston, TX 77019

713-487-8105 • Fax:713-487-8106 Email: [email protected] Term Ends June 2011

President Elect Ted ErckMembership Medical Profiles – Exam OneNominations 2600 S. Gessner Rd., Suite 205 • Houston, TX 77063

832-251-3926 • Fax 832-251-3936 Email: [email protected] Term Ends June 2013

National Committeewoman Alyson J. Guest, LUTCFAdvocacy MetLifeBylaws Bylaws 10333 Richmond Ave., Suite 1050 • Houston, TX 77042

832-251-5479 • Fax 832-251-2969 Email: [email protected] Term Ends October 2012

Vice President Finance Chris C. MallettBudget/ Finance State Farm InsurancePAC/ Multiline 22100 Westheimer Parkway • Katy, TX 77450


Vice President Administration Khalid A. AlrashedTV Ads State Farm InsuranceMultiline 10245 Kempwood Dr., Suite G • Houston, TX 77043


Vice President Operations Dixie T. Green, CMFCSpeakers Invesco

11 E. Greenway Plaza, Suite 2500 • Houston, TX 77046-1173 713-214-5452 • Fax 713-626-8003 Email: [email protected] Term Ends June 2012

Executive Director Ellie KennedyAdministration NAIFA Houston

3200 Wilcrest Dr., Suite 480 • Houston, TX 77042 713-526-5331 • Fax 713-526-2911 Email: [email protected]

Director Brandon Green, CLTC, LUTCFProfessional Development Allstate Financial Services, LLC

3202 Bend Willow Lane • Katy, TX 77450-1154 713-256-1154 • Fax 800-563-1716 Email: [email protected] Term Ends June 2011

Director Steve GuerraGolf Tournament Pacific Life Insurance Co.Agency Cup 24 Waterway Ave., Suite 825 • The Woodlands, TX 77380

713-504-2200 • Fax 800- 823-7162 Email: [email protected] Term Ends June 2012

Director Larry E. Mott, LUTCFPublic Relations MetLifePIC Key Contacts 10333 Richmond Ave., Suite 1050 • Houston, TX 77042


Director Ann Baker Ronn, LUTCFLone Star Symposium The AFP GroupMDRT Liaison 1330 Post Oak Blvd, Suite 1370 • Houston, TX 77056


Director Peter Rothe, LUTCF, CLUSpring 2011 Event New York LifePIC Key Contacts 1330 Post Oak Blvd., Suite 1900 • Houston, TX 77056


Director Nick VerburgtLuncheon Sponsors OneAmericaWebsite 1111 North Loop West, Suite 715 • Houston, TX 77008


Director Darrell WolfeLuncheon Sponsors 3 Mark Financial Inc.Award Luncheon 1600 Highway 6 South, Suite 400 • Sugar Land, TX 77478



CHANE REAGANPRESIDENT'S MESSAGE

Think about the issues we faced 1 year ago, 5 years ago, 10 years ago, 30 years ago, and if you understand the environment we live in, you will understand why NAIFA is so important to you and your business. This month I want to share the joint letter that was sent in a joint effort by: American Council of Life Insurers, Association for Advanced Life Underwriting, Financial Services Institute, Insured Retirement Institute, National Association of Insurance and Financial Advisors, and the Securities Industry and Financial Markets Association.

August 30, 2010Elizabeth M. MurphySecretary-Securities and Exchange Commission100 F Street, NEWashington, DC 20549-1090

Re: Study Regarding Obligations of Brokers, Dealers, and Investment Advisers;Exchange Act Release No. 34-62577; Investment Advisers Act Release No. 4-606

Dear Ms. Murphy:

Each of the below noted trade associations has or will be submitting their own respective comment letters in connection with subjects under examination as part of the Securities and Exchange Commission (“SEC”) Study Regarding Obligations of Brokers, Dealers and Investment Advisers (the “Study”). The purpose of this joint comment is to emphasize our shared belief that the Study presents a unique opportunity for the SEC, as directed by Congress, to focus on complex and important issues with respect to the provision of personalized investment advice about securities to retail customers by brokers, dealers and investment advisers.

We urge that the SEC:• use the Study as an opportunity to approach the issues in a comprehensive manner, and work with all interested parties to provide an

effective, efficient and lasting framework that protects investors and instills confidence in the U.S. capital markets;• take this opportunity to perform a rigorous analysis of the applicable existing regulatory regime, identify those things that are working

well and those that are not, and evaluate the likely consequences to the retail and other investing public and the industry from any potential changes. This is in keeping with the goal of better protecting retail customers and other investors without unnecessarily increasing costs and/or reducing investor choice and access to important personalized investment advice about securities; and

• recognize the benefits that retail customers derive from the choices presented by a diversity of business models providing personalized investment advice about securities to retail customers. We also urge that the Study be advanced with a view toward preserving:

• retail customer investor protection;• the full spectrum of retail customer choice regarding securities products and services; and• the full spectrum of retail customer access to those securities products and services.

Thank you for your consideration of the views expressed herein.American Council of Life InsurersAssociation for Advanced Life UnderwritingFinancial Services InstituteInsured Retirement InstituteNational Association of Insurance and Financial AdvisorsSecurities Industry and Financial Markets Association

Together our voices are louder and I am encouraged by the efforts of NAIFA to make sure our voices are heard.

I am excited to be at the National Convention September 9th through the 14th, and I will be reaching out to others in hopes of bringing more value like this to our members. Here is to your continued success, NAIFA members!!

NAIFA keeps you in business!

Chane Reagan, LUTCF, FSSPresident 2010 - 2011

Chane Reagan


6551 N Eldridge Pkwy

Bus 713 983 6480 Fax 713 983 6425net

3507

Our New Websiteand

Web Address

www.naifahouston.org

“Every man owes a part of his time and money to the business or industry in which he is engaged. No man has a moral right to withhold

his support from an organization that is striving to improve conditions within his sphere.” Theodore Roosevelt


MEMBERSHIP CORNER

I recently reread 7 Habits of Highly Effective People by Steven Covey. Habit 7, Sharpen the Saw, is one of renewal and continual improvement, i.e. building one's personal production capability. The website www.quickmba.com summarized Habit 7 “to be effective, one must find the proper balance between actually producing and improving one's capability to produce.”

“Customer loyalty also is an asset to which the production and production capability balance applies. A restaurant may have a reputation for serving great food, but the owner may decide to cut costs and lower the quality of the food. Immediately, profits will soar, but soon the restaurant's reputation will be tarnished, the customer's trust will be lost, and profits will decline.

This does not mean that only production capacity is important. If one builds capacity but never uses it, there will be no production. There is a balance between building production capacity and actually producing. Finding the right tradeoff is central to one's effectiveness.”

Steven Covey’s 7th Habit, Sharpen the Saw, is the habit of self-renewal, says Covey, and it necessarily surrounds all the other habits, enabling and encouraging them to happen and grow. Sharpening the saw is actually an activity, just as the analogy suggests. Think about what it would mean to sharpen the saw of your life and your business. How are your various blades doing? Your skills, your knowledge, your mind, your physical body, your relationships, your motivation, your commitment, your capacity for enjoyment, your emotions — are all of them still sharp? If not, which ones are dull, and what can you do to sharpen them?

So, from an insurance agent perspective how can you: • Sharpen your financial services foundation? • Advise your clients from a position of strength? • Make an impact on your bottom line?

The LUTC program courses teach you “what to say, how to say it, and when to say it” to capture and retain you clients’ business. At the same time, courses focus on fundamental product and service concepts that are essential to your long-term success. Topics in the program include:

- Basic planning concepts and needs applicable to the personal insurance market- Effective communication skills- Identify target markets, prospect, fact finding, sales presentations, and policy services- Life-cycle segmentation- Examining the needs of the senior market- Products and services such as:

• Disability income insurance • Business insurance • Employee benefits policies • Long-term care insurance • Annuities • Retirement plans • Social insurance • Trust and estate planningIf you already have your designation, sign up to moderate a class in your area. With the new partnership between NAIFA and The American College, moderators can earn up to $1,000 per class. Learn more at www.theamericancollege.edu.

The American College has partnered with NAIFA to market and deliver sales training and education. An advisory board, the Financial Services Training Council (FSTC), consisting of leading industry representatives, provides advice and counsel to ensure that the LUTCF and FSS designation programs meet the needs of the insurance and financial community and The American College’s standards of academic excellence.

To borrow a phrase from President Reagan, that is OUR President Chane Reagan, “If you show me a successful agent or advisor, I will show you a graduate of LUTCF, FSS, CLU, CHFC, or CFP programs”.Now More Than Ever!

Ted ErckPresident Elect 2010 - 2011

Ted Erck


You may have never run for public office. You might not know much about politics. But with NAIFA's Advisors Political Involvement Committee (APIC), you can still make a difference. Influence how Congress votes on legislation important to insurance and financial services professionals. You can get involved in a number of ways. The level of involvement is up to you.

Join us February 1, 2011 as NAIFA members across the state converge on the Capitol in Austin to make our voices heard. Coming Soon – details to register. If you are not able to make it that day but would like to become involved, please contact the NAIFA Houston office 713-526-5331.

The Foundation News

Dear NAIFA Houston Members:

The NAIFA Houston Foundation Board held an unscheduled board meeting August 10 and revisited our Mission Statement.

MISSION STATEMENT: To raise funds to significantly benefit selected charities, further enhancing the value placed in the community by insurance and financial professionals.

The board debated at length about the merits of an educational symposium. It seems these days that low-cost and no-cost educational opportunities are in abundance, and it is difficult for attendees to pay as much as we needed to charge in order to have a charitable component on the ticket price. Hotel expenses often exceeded the amount of the underlying charitable donation, and the costs for such an event get higher each

year. And, full-day events often conflict with our busy schedules. It takes tremendous effort to pull off such an event, and we don’t think the members found enough value to warrant the many hours of hard work that goes into it. Perhaps the educational symposium is not the most cost-efficient method of raising money for charity.

Therefore, the Foundation Board voted unanimously to not hold MDRT Day in 2011. For the first time in many years, we will not have our “Taste of MDRT”.

Instead, we are going to do something fun.

“Have A Heart – Playing Games for Charity”Friday evening, February 11, 2011

We will have casino games, music and dancing, silent auction and live auction. Bring your valentine, and invite your clients, your friends and neighbors. We are going to have an evening of fun and entertainment. All costs will be underwritten by sponsors, and all ticket purchase revenue will flow directly to our charitable mission. We will raise significant dollars that will go directly where money is so desperately needed in our community.

Stay tuned for more details in next month’s bulletin.

We’ve worked together and learned together … now let’s play together and support our community!

Tracy MillerTracy MillerPresident 2010 - 2011 NAIFA Houston Foundation


NAIFA Career Conference & Annual Meeting Seattle 2010

Kim, Ellie & Karen - Texas Execs Stephen Ehlers & Des Taylor

Tom Currey, NAIFA President John Nichols & Joey Ussery

Presidents Elect - Houston & Dallas President - Houston & Dallas



Stephen Ehlers & Alan Kifer Joey Addresses the Texas Delagation

The Gang’s All Here! Flag Ceremony - Texas

Past Presidents Galore! A few beauties and the ladies too!



The Guys! Chane Reagan & Geordie Hrdlicka

Don’t Take My Picture! Master Recruiter - Joey Ussery

Joey Gives Van Land Some Dessert NAIFA Houston Gets the Award!


Q: If I sign up for the bank draft, when am I considered a contributor? A: As soon as your first monthly draft is drawn. Q: How do I stop a bank draft or change the checking account from which IFAPAC withdraws? A: Call, fax, email or write the National IFAPAC office. Q: Can I have monthly withdrawals taken from my credit card? A: No. Monthly withdrawals can only be facilitated through bank drafts. Q: Should I contribute to IFAPAC in years when there are no federal elections? A: Yes! The candidate evaluation and support processes go on all the time. PACs that have the resources to make contributions when candidates need them most are highly visible in the political arena. IFAPAC occasionally makes debt-retirement contributions following elections and many states hold elections in odd-numbered years. Q: Can I direct IFAPAC to send a contribution to a particular candidate? A: No. “Earmarking” of individual contributions is prohibited. However, IFAPAC invites input regarding disbursements from all its contributors. NAIFAPAC has a special candidate questionnaire that should be used. Members should also communicate their preferences to their state and local IFAPAC chairs. Q: Is my contribution to IFAPAC deductible on my federal income tax return? A: No. Congress eliminated the tax credit for all political contributions many years ago. Q: Who decides where the funds go? A: On the national level, contributions are determined by a Candidate Selection Group, which is made up of ten NAIFA members appointed by the Executive Committee of NAIFA. On the state level, contributions to candidates are made via a similar volunteer committee process. In addition, input from state and local association officers and contributors is vital to IFAPAC’s ability to make informed decisions regarding which candidates should receive campaign support. Q: What is the address for sending contributions? A: The fastest way to send a contribution to IFAPAC is to contribute on line. Checks and credit card contributions and bank draft enrollments, changes and upgrades can be mailed to the bank lockbox at: IFAPAC; PO Box 759063; Baltimore, MD 21275-9063.


Q & A

Q: What is the purpose of IFAPAC? A: IFAPAC is a separate fund that supports the campaigns of candidates for elective office who understand and influence issues important to insurance agents and financial advisors. IFAPAC’s goal is to advance the legislative and regulatory interests of the association members on the local, state and national levels. Association dues income may not be used to support candidates. Q: Who can contribute to IFAPAC? A: Any U.S. citizen can contribute to IFAPAC, however, only members of the Insurance and Financial Advisors associations may be solicited to do so. Contributions to the political fund must be personal, not corporate. Contributions must be voluntary. Q: How effective is IFAPAC? A: Of over 3,700 political action committees (PACs) registered with the Federal Election Commission, the National IFAPAC (NAIFAPAC) ranks in the top 1 percent. In the last election cycle, NAIFAPAC contributed approximately $1.1 million to federal candidates and committees. Since contributions to IFAPAC are shared between the national and the state IFAPACs, an additional $1.3 million was available for state races. Q: How much or little can I give to IFAPAC? A: The minimum annual contribution for individual recognition is $50 (Investor Club). The highest level of annual giving to the political fund is $5,000 (Capitol Club). Q: What are the methods of contributing? A: Individuals may contribute via automatic monthly bank draft from their personal checking account, personal check or personal VISA, American Express or MasterCard. NAIFA members can also contribute on line by going to www.naifa.org/ifapac. Q: Should I use a bank draft system to donate to IFAPAC? A: Yes! Bank drafts help reduce administrative costs and allow IFAPAC to have funds available throughout the year. Individuals can give as little as $5 per month on bank draft and, for only $8.50 per month, donors will be Century contributors. Bank draft transactions are done on or about the 10th of every month. It generally takes 2 business days to reach an individual’s account for withdrawal. For a new account, the first draft will be made on or about the 25th.


Playing Games for Charity

Houston Racquet Club - 10709 Memorial Drive – Houston, TX 77024 Friday, February 11, 2011 6:30 pm to 9:30 pm

NAIFA Houston Foundation, Inc. - Mission Statement To raise funds to significantly benefit selected charities, further enhancing the value placed in the community by

insurance and financial professionals.

Yes, I/We would like to participate through the following sponsorship:

_______$1,500 Prime Rib Carving Station Sponsor (only one available) Includes recognition in promotional materials, recognition at the event, four complimentary admission tickets, and up to ten discounted tickets @ $60.00 each

_______$1,000 Music/DJ Sponsor (only one available) Includes recognition in promotional materials, recognition at the event, three complimentary admission tickets, and up to ten discounted tickets @ $60.00 each

_______$750 Cocktail Sponsor (two available) Includes recognition at the event, two complimentary admission tickets, and up to five discounted tickets @ $60.00 each

_______$750 Table Game Sponsor (one per game table, eight available) Includes recognition at the event, two complimentary admission tickets, and up to five discounted tickets @ $60.00 each

_______$250 General Sponsorship (unlimited availability) Includes recognition at the event, one complimentary admission ticket and up to five discounted tickets @ $60.00 each

No, we are unable to participate, but have enclosed our tax-deductible donation in the amount of $_______

Name as you would like it to appear in print: _______________________________________________

___________________________________________________________________________________ Address City State Zip

________________________________________ _____________________________________________ Phone Email

Indicate type of payment Check* AMEX Visa MasterCard Discover

Name on Card: ______________________________ Card # ____________________________________

Signature: __________________________________ Exp. Date: _____________

Thank you for your support!

*Please make checks payable to NAIFA Foundation, Inc. 3200 Wilcrest Drive, Suite 480, Houston, TX 77042

phone 713-526-5331 fax 713-526-2911

Foundation, Inc. a 501(c)(3) Organization


NAIFA Announces New Member Benefit:Anti-Money Laundering Training Program

NAIFA is partnering with LIMRA International to offer a new Anti-Money Laundering (AML) Training Program with free

access to members. If you sell insurance products with an investment component or products that accumulate cash, the U.S.

Department of the Treasury requires you be trained to recognize possible money laundering activities. This new AML Training

Program will satisfy the rules and regulations of the U.S. Department of the Treasury and is widely endorsed by many of the

life insurance carriers who use independent producers.

Benefits of the AML Training Include:

• Industry Designed Program

• Producer Friendly • Free for NAIFA Members • Quality Assurance • Automatic Tracking • Requires Only 30 to 45 Minutes to Complete


Club Type** Annual Contribution Monthly Bank Draft Capitol ....................... $5,000 ........................................... $416/month Emissary ................... $2,500 to $4,000 ........................... $210/month Diplomat .................... $1,000 to $2,499 ........................... $84/month Envoy ........................ $ 500 to $999 .............................. $42/month Statesman ................. $ 300 to $499 .............................. $25/month Ambassador .............. $ 200 to $299 .............................. $17/month Century ..................... $ 100 to $199 .............................. $8.50/month Investor ..................... $ 50 to $99 ................................ $5.00/month (minimum for bank draft) Young Advisor ........... $ 25* monthly bank draft not available

* I am a Young Advisor (40 years of age or younger), ** Club types are merely suggested amounts. or I am in my first 5 years of insurance and financial business.

▲ MONTHLY BANK DRAFT

▲ CHECK

Personal check contribution in one annual amount.

▲ CREDIT CARD

Personal credit card contribution in one annual amount.

Contributions to IFAPAC are voluntary, divided between IFAPAC-Texas and IFAPAC-National, and contributed to candidates for state elective office by IFAPAC-Texas or for federal elective office by IFAPAC-National.

IFAPAC-Texas is associated with IFAPAC-National through a federation of local, state and national trade associations. Corporate contributions to IFAPAC’s politi-cal fund are prohibited. Corporate contributions to IFA-PAC’s administrative fund are permitted. Under state and federal law, you have the right to refuse to contribute without reprisal. Contributions are not deductible as charitable contributions for federal income tax purposes.

CHECK PAYMENTS Return this form and check to: IFAPAC-National 2901 Telestar Court Falls Church, VA 22042-1205

CREDIT CARD and BANK DRAFT PAYMENTS Fax this form with completed credit card or bank draft information to: 703.770.8151. CONTRIBUTE ONLINE Go to www.naifa.org/ifapac to contribute online with credit card.

▲ Complete in full:

Name _______________________________________________________________ NAIFA ID # ___________________________________ Address _____________________________________________________________ Company ____________________________________ City _________________________________________________________________ State ____________ Zip ______________________

I hereby authorize IFAPAC to withdraw from my account the amount specified below every month. This authori-zation will remain in effect until revoked by me in writing and, until IFAPAC receives such notice, I agree that IFAPAC shall be fully protected in honoring such withdrawals. In consideration of IFAPAC’s compliance with such request and authorization, I agree that IFAPAC’s treatment of each such check and IFAPAC’s rights in respect to it, shall be the same whatsoever even though such dishonor results in the forfeiture of IFAPAC membership.

Name of depositor as shown on bank records _______________________________________________ Account Number __________________________ Amount of draft per month: $ ________________ Signature of depositor as shown on bank records ____________________________________________ Joint signature, if applicable ____________________________________________________________

ENCLOSE VOIDED CHECK!

▲ Monthly Bank Draft Authorization

▲ Choose one of the following:

1. Enclosed is my personal check for: $ ________________.

2. Please charge my personal credit card: VISA MASTERCARD AMERICAN EXPRESS (Circle one.)

Account # _____________________________________ Expiration Date _____________ Single payment amount: $ ____________

Signature _________________________________________________________________

3. Please increase my current monthly bank draft to this amount: $ ___________________

4. Please enroll me in the monthly bank draft plan. Enclosed is my check for first month’s payment in the amount of: $ ____________ Complete the monthly bank draft information below.

Credit cards cannot be charged monthly.

Contribute to IFAPAC - 3 Easy Ways


WHO’s WATCHING?

NAIFA Houston’s Has Professional TV ADS For Members

PACKAGE 1: Company Price $5,000 1 to 5 people PACKAGE 2: Individuals $1,500 per person (total for 3 months of airing)* Minimum 4 people PACKAGE 3: Individuals $2,000 per person (total for 3 months of airing)* Minimum 3 people Choice of Cable Stations: Fox News and ESPN or CNN and ESPN Choice of Cable Areas: Inner Loop/Galleria 115,886 Households Clear Lake/Pearland 106,028 Households Katy/Sugarland 98,386 Households Woodlands/Humble/Atascocita 97,906 Households 30 Television Spots Per Month for 3 Months Total 90 Spots Aired Between 5:00 a.m. and Midnight *Monthly Payments Are Available For more information call Khalid Alrashed at 713-777-0202 or

Ellie Kennedy at 713-526-5331

Company Price $5,000 1 to 5 people

Individuals $1,500 per person (total for 3 months of airing)* Minimum 4 people

: Individuals $2,000 per person (total for 3 months of airing)* Minimum 3 people

Fox News and ESPN CNN and ESPN

: Inner Loop/Galleria 115,886 Households Clear Lake/Pearland 106,028 Households Katy/Sugarland 98,386 Households Woodlands/Humble/Atascocita 97,906 Households 30 Television Spots Per Month for 3 Months Total 90 Spots Aired Between 5:00 a.m. and Midnight *Monthly Payments Are Available For more information call Terry Murphy Nesch at 281-220-2761 or

Ellie Kennedy at 713-526-5331


NatioNal associatioN of iNsuraN

2901 Telestar Court | PO Box 12012 | Falls Church, VA 22042-1205 | 703/770-8100 | www.naifa.org

Attention: iFAPAC StAte & LoCAL ChAirS

Save the Date!! Back the pac DaY!!

the third AnnuAL iFAPAC dAy wiLL be heLd on

thursday, october 14, 2010Across the NAIFA FederAtIoN, IFAPAc VoluNteers

WIll hIt the PhoNe lINes to cAll IFAPAc coNtrIbutors to thANk them, eNcourAge lAPsed coNtrIbutors to

re-eNroll, & coNtAct the NoN-gIVers For coNtrIbutIoNs

ce aNd fiNaNcial advisors – Political actioN committee


Legendary Lessons From Selling Brushes When I started out in the business at 21, I managed to sell a friend a term policy. He was a Fuller Brush Man, and he talked me into joining him to make some extra money on the side. Selling custom-made household cleaning brushes became my first training in sales and contributed greatly to my successful 60-plus years in the business. We worked 15 hours a day, six days a week, ringing hundreds of doorbells each day. I had never thought of working like that in the insurance business, but that turned my life around. After seven years, I thought, Why am I doing this — seeing all these people, getting doors slammed in my face? If I work one-tenth that hard, I could make it in the insurance business. So, I gave up Fuller Brush and became a full-time life insurance agent, working — by my standards — part time. I ended up No. 3 in my company the first year. Needs vs. wants Selling Fuller brushes, I learned that some things I’d been taught were wrong. I was told that you tell people what they need and sell it to them. The problem was they weren’t buying. It started to work when I switched from need to want. I’ve been a want salesman now for 40 years. Before I attempt to sell anything, I try to find out what people want by listening. So, instead of being a talker, I became a listener. Instead of being a need salesman, I became a want salesman. By talking to 50, 60, 70 people a day, I learned that the key was to give them a solution to their problem. I found out what they were trying to do and offered solutions instead of products. See the people. Sell yourself. The next thing that I learned is that you won’t make it in this business if you don’t see people. Most people in our industry are simply not seeing enough people. You should talk to at least 30 people a week. The biggest mistake a lot of people in our business make is trying to sell a product before they sell themselves. If they don’t buy you, they won’t buy insurance from you. The non-interview has been my primary source of prospects. My technique is to talk to everybody I ever see every day. I ask them questions instead of speaking, and if I listen to what they have to say, they’re going to begin to like me. The way they answer questions will tell you how you’re doing. If you ask if they’re married, and they answer “yep,” you’re not doing well. If they answer, “Yep. I married my high school sweetheart, and we’ve been together for...” Now, you’re doing well. When their answers are longer than your questions, they’re beginning to buy you. I didn’t learn this through company training — it came because of people exposure through my Fuller Brush experience. Norman G. Levine, CLU, ChFC, is a 37-year MDRT member with one Court of the Table and two Top of the Table qualifications. He has served as a Divisional Vice President, Chair and member of many MDRT committees and task forces and spoken at several Annual Meetings. A Gold Knight of the MDRT Foundation, Levine is a past president of numerous industry organizations and a recipient of the John Newton Russell Memorial Award and GAMA International’s Master Agency Award. The entirety of his comments made during the 2009 Annual Meeting session “Sharing Time with the Greats” is available for purchase at mdrtpowercenter.org.

Million Dollar Round Table Phone: 847.692.6378 | Fax: 847.518.8921 | Web site: www.mdrt.org

Legendary Lessons From Selling Brushes When I started out in the business at 21, I managed to sell a friend a term policy. He was a Fuller Brush Man, and he talked me into joining him to make some extra money on the side. Selling custom-made household cleaning brushes became my first training in sales and contributed greatly to my successful 60-plus years in the business. We worked 15 hours a day, six days a week, ringing hundreds of doorbells each day. I had never thought of working like that in the insurance business, but that turned my life around. After seven years, I thought, Why am I doing this — seeing all these people, getting doors slammed in my face? If I work one-tenth that hard, I could make it in the insurance business. So, I gave up Fuller Brush and became a full-time life insurance agent, working — by my standards — part time. I ended up No. 3 in my company the first year. Needs vs. wants Selling Fuller brushes, I learned that some things I’d been taught were wrong. I was told that you tell people what they need and sell it to them. The problem was they weren’t buying. It started to work when I switched from need to want. I’ve been a want salesman now for 40 years. Before I attempt to sell anything, I try to find out what people want by listening. So, instead of being a talker, I became a listener. Instead of being a need salesman, I became a want salesman. By talking to 50, 60, 70 people a day, I learned that the key was to give them a solution to their problem. I found out what they were trying to do and offered solutions instead of products. See the people. Sell yourself. The next thing that I learned is that you won’t make it in this business if you don’t see people. Most people in our industry are simply not seeing enough people. You should talk to at least 30 people a week. The biggest mistake a lot of people in our business make is trying to sell a product before they sell themselves. If they don’t buy you, they won’t buy insurance from you. The non-interview has been my primary source of prospects. My technique is to talk to everybody I ever see every day. I ask them questions instead of speaking, and if I listen to what they have to say, they’re going to begin to like me. The way they answer questions will tell you how you’re doing. If you ask if they’re married, and they answer “yep,” you’re not doing well. If they answer, “Yep. I married my high school sweetheart, and we’ve been together for...” Now, you’re doing well. When their answers are longer than your questions, they’re beginning to buy you. I didn’t learn this through company training — it came because of people exposure through my Fuller Brush experience. Norman G. Levine, CLU, ChFC, is a 37-year MDRT member with one Court of the Table and two Top of the Table qualifications. He has served as a Divisional Vice President, Chair and member of many MDRT committees and task forces and spoken at several Annual Meetings. A Gold Knight of the MDRT Foundation, Levine is a past president of numerous industry organizations and a recipient of the John Newton Russell Memorial Award and GAMA International’s Master Agency Award. The entirety of his comments made during the 2009 Annual Meeting session “Sharing Time with the Greats” is available for purchase at mdrtpowercenter.org.

Million Dollar Round Table Phone: 847.692.6378 | Fax: 847.518.8921 | Web site: www.mdrt.org

Financial To-Do List

How many times have you had a to-do list with something on it that you really did not want to do, but you did it anyway because it was on the list? For many clients, this is where insurance planning fits in. The difference is they often don’t even place it on the to-do list — they just talk about it. Investment planning and savings are fairly easy, but insurance is like walking uphill, barefoot on a gravel trail. It’s as if the client says, “I’ll do it if I really have to, but I don’t really want to.” One day I concluded that there was nothing stopping me from putting the insurance planning on their to-do list. With this realization, I changed the format of my written financial plans. While setting out the basic parameters of my assumptions, goals and calculations on the first page, the next two to three pages focus on the to-do list and what effort is required. Specifically, the financial to-do list focuses on: Short-term assets: access to cash/liquidity Medium-term assets: investments with a three-to eight-year horizon, flexible assets and real estate Long-term assets: pensions and retirement-focused assets Disability insurance Critical illness insurance or long-term care insurance Life insurance Documentation: wills, powers of attorney, trusts, etc.

Each topic is clearly outlined as to what it is, what needs to happen and what our targets should be, from lump-sum allocations and insurance levels, to monthly savings requirements. The other change I made to my process was never to expect a client to complete any paperwork when I present the financial plan. Waiting until a later meeting gives them time to absorb the information and to review the items on the to-do list over and over. They see the insurance recommendations in the same format as the savings requirements, and it all melds together as part of the plan. Thus, when we meet again for the strategy meeting to review the plan and formalize the strategies we will implement, the insurance coverage is discussed as a matter of when, not if. There is no more waffling about getting their insurance coverage in place. It was on the list along with other key items and holds just as much interest. Since I made these adjustments to my written financial plans and process, more than 95 percent of my new clients complete their needed insurance applications in the strategy meeting. And not only are the amounts of coverage solid, but there is an expectation that as their needs increase, so will the insurance — no questions asked. It is simply a matter of timing. Bryson Milley, BA, CFP is a nine-year MDRT member from Vancouver, British Columbia, Canada. Milley has earned one Court of the Table qualification. He is a member of MDRT’s Young Advisors Task Force.

Million Dollar Round Table Phone: +1.847.692.6378 | Fax: +1.847.518.8921 | Web site: www.mdrt.org

Financial To-Do List

How many times have you had a to-do list with something on it that you really did not want to do, but you did it anyway because it was on the list? For many clients, this is where insurance planning fits in. The difference is they often don’t even place it on the to-do list — they just talk about it. Investment planning and savings are fairly easy, but insurance is like walking uphill, barefoot on a gravel trail. It’s as if the client says, “I’ll do it if I really have to, but I don’t really want to.” One day I concluded that there was nothing stopping me from putting the insurance planning on their to-do list. With this realization, I changed the format of my written financial plans. While setting out the basic parameters of my assumptions, goals and calculations on the first page, the next two to three pages focus on the to-do list and what effort is required. Specifically, the financial to-do list focuses on: Short-term assets: access to cash/liquidity Medium-term assets: investments with a three-to eight-year horizon, flexible assets and real estate Long-term assets: pensions and retirement-focused assets Disability insurance Critical illness insurance or long-term care insurance Life insurance Documentation: wills, powers of attorney, trusts, etc.

Each topic is clearly outlined as to what it is, what needs to happen and what our targets should be, from lump-sum allocations and insurance levels, to monthly savings requirements. The other change I made to my process was never to expect a client to complete any paperwork when I present the financial plan. Waiting until a later meeting gives them time to absorb the information and to review the items on the to-do list over and over. They see the insurance recommendations in the same format as the savings requirements, and it all melds together as part of the plan. Thus, when we meet again for the strategy meeting to review the plan and formalize the strategies we will implement, the insurance coverage is discussed as a matter of when, not if. There is no more waffling about getting their insurance coverage in place. It was on the list along with other key items and holds just as much interest. Since I made these adjustments to my written financial plans and process, more than 95 percent of my new clients complete their needed insurance applications in the strategy meeting. And not only are the amounts of coverage solid, but there is an expectation that as their needs increase, so will the insurance — no questions asked. It is simply a matter of timing. Bryson Milley, BA, CFP is a nine-year MDRT member from Vancouver, British Columbia, Canada. Milley has earned one Court of the Table qualification. He is a member of MDRT’s Young Advisors Task Force.

Million Dollar Round Table Phone: +1.847.692.6378 | Fax: +1.847.518.8921 | Web site: www.mdrt.org

True Success Philosopher Tom Morris, Ph.D., has studied the world’s great thinkers to find the answer to one question: Is there a universal framework for success? He shared the seven universal conditions of true, satisfying and sustainable success with attendees at the 2010 MDRT Annual Meeting: 1. Clear goals. Ancient Greek philosopher Aristotle suggested that success requires a clear

conception of what we want. Vague thoughts cannot motivate specific behavior. A powerful goal-setter must also “know thyself,” meaning he must understand his strengths, weaknesses and opportunities.

2. Positive attitude. A person’s attitude is more important than his circumstances in determining success. What sports champions share in common is a belief in themselves, a precursory faith — faith despite evidence that suggests otherwise. Have upfront confidence, even if you fail a lot.

3. Focus. Concentration is an essential condition of success. Focus on what it takes to achieve a goal, and to break a large goal into smaller ones. Divide, and then conquer.

4. Stubborn consistency. Failure is self sabotage, or behaving in a way that is inconsistent with your goals and values. Remain stubbornly consistent in pursuing a vision, which Chinese philosophers illustrate with the image of water moving under, over and around the sides of rocks. As you move toward your vision, be like water by finding ways around challenges.

5. Emotional commitment. Emotions move the will. Success requires an emotional commitment to the importance of your goal. When you show that you care and are committed to a goal, others will reciprocate. People are attracted to people who care.

6. Character. The great philosophers maintained that unethical success is self-destructive, while good character will guide you toward your goal. According to Aristotle, with good character comes the ability to persuade others. People are persuaded by people they trust.

7. Capacity to enjoy. Learn to enjoy the process of working toward your vision. When you survey the history of human excellence, you find people who loved what they were doing.

As you reflect on your personal and professional goals, use the wisdom of the great philosophers who’ve come before us. Tom Morris, Ph.D., is chairman of the Morris Institute for Human Values. An active public philosopher known for bringing the wisdom of the past into challenges of the present, Morris is author of several books, including “True Success: A New Philosophy of Excellence.” He holds a Ph.D. in both philosophy and religious studies from Yale University, and served for 15 years as a philosophy professor at the University of Notre Dame. His entire 2010 Annual Meeting presentation is available for purchase at www.mdrtpowercenter.org. Million Dollar Round Table Phone: +1.847.692.6378 | Fax: +1.847.518.8921 | Website: www.mdrt.org


Texas Department of Insurance Licensing Division, Renewals, Appointments & Continuing Education Mail Code 107-1A • 333 Guadalupe • P. O. Box 149104, Austin, Texas 78714-9104 512-322-3503 telephone • 512-322-4360 fax • www.tdi.state.tx.us

Request for Association Credit Accepted by TDI See 28 Texas Administrative Code § 19.10 11(f)(g) and § 19.1020

Holders of National Professional Designations may claim credit for reviewing educational materials from the National Designation Sponsor or attendance at presentations of the National Designation Sponsor. Current members of state or national insurance associations may claim credit for reviewing educational materials from the state or national insur-ance association or attendance at presentations of the state or national insurance association. Up to two hours may be claimed for reviewing educational materials. Up to four hours may be claimed for attendance at presentations.

A maximum of four hours total may be claimed. The hours claimed, no matter how they were earned, count toward the licensee’s required Continuing Education as Self-Study credit

Texas Association C.E. credit requested by:

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Dear NAIFA Houston Member: On behalf of the NAIFA Houston Golf Tournament Committee, we invite you and your company to participate in our annual Agency Cup Golf Tournament to be held on Thursday October 28, 2010 at Kingwood Country Club with a 12:00 p.m. shotgun start.

All AGENCY foursomes will be eligible to win the travelling “Agency Trophy”

$1,500 GOLD DINNER SPONSOR

Entitles sponsor to podium time at the dinner, a membership database for direct mail and ½ page ad in the NAIFA Houston bulletin for 2 months.

$1,000 SILVER SPONSOR Entitles sponsor to one foursome, a tent on a designated hole, a membership database for direct mail and ¼ page ad in the NAIFA Houston bulletin for 1 month.

$750 LUNCH SPONSOR Entitles sponsor to 2 tickets to the award dinner, a membership database for direct mail and ¼ page ad in the NAIFA Houston bulletin for 1 month.

$500 TENT SPONSOR

Entitles sponsor to have a tent on a designated hole. Sponsor will also receive 2 tickets to the awards dinner immediately following the tournament.

$500 BEVERAGE CART SPONSOR Entitles sponsor to a sign with your company’s name posted on their golf cart. Sponsor will also receive 2 tickets to the awards dinner following the tournament.

$250 HOLE SPONSOR Entitles sponsor to an attractive sign at a designated hole at the Golf Course during the tournament.

$200 PUTTING and CHIPPING CONTEST SPONSOR Sponsor will staff contest and hand out prizes at the award dinner.

$125 INDIVIDUAL PLAYER -

Sincerely,

Steve Guerra Ellie Kennedy Chris Mallett, Chairperson Executive Director , NAIFA Houston281-504-2200 713-526-5331 [email protected] [email protected]


“Agency Cup” GOLF TOURNAMENT

Open to all but trophy goes to best “Agency”

DATE OF TOURNAMENT October 28, 2009

REGISTRATION

10:00 A.M. - 10:45 A.M. 11:00 Lunch & Contests Shotgun Start 12:00 P.M. WHERE Kingwood Country Club

1700 Lake Kingwood Trail Kingwood, TX 77339 281-358-2171

ENTRY FEE Multi Sponsorship Levels $400 per team if paid by Oct. 1st $500 per team if paid after Oct. 1st

$125 Individual player

ENTRY INCLUDES Range balls/Green Fees/Cart

Lunch & Dinner PRIZES

Prizes/Drawing Closest to the Pin/Longest Drive FOR ADDITIONAL INFORMATION CALL: Ellie Kennedy 713-526-5331 or email: [email protected] Steve Guerra 713-504-2200 or email [email protected] =======================================================================

NAIFA Houston “Agency Cup” ENTRY FORM

SPONSOR NAME: _________________________ SPONSORSHIP LEVEL: ______________________ 1. NAME: _____________________________ PHONE & EMAIL _______________________________________HANDICAP______ 2. NAME: _____________________________ PHONE & EMAIL _______________________________________HANDICAP______ 3. NAME: _____________________________ PHONE & EMAIL ______________________________________HANDICAP______ 4. NAME: _____________________________ PHONE & EMAIL _______________________________________HANDICAP______ (Max. 30)

SEND YOUR ENTRY FORM AND MAKE CHECK PAYABLE TO: NAIFA Houston

MasterCard Visa AMEX Call 713-526-5331 for Credit Card Payment Form


National Association of Insurance and Financial Advisors2901 Telestar Court • PO Box 12012 • Falls Church, VA 22042 • 703/770-8100 • www.naifa.org

How Not to Be a FreeloaderDo yourself a big favor anD join NAIFA toDay.

industry woesMy two sons, both relatively new in the business, were among many agents who found that the climate that had been created made it almost impossible to sell a permanent policy. At the time I was serving as NAIFA president. In my travels I could feel a sense of panic and frustration spread-ing throughout the industry.

Thankfully I was presiding over a 145,000-member organization. We were strong financially. Thanks to our political action committees, we had the ability to talk one-on-one with virtually every senator and congressman or congresswoman. We also had great contacts in the media. As a result, we were able to appear on The Donahue Show and refute the misinformation that was being circulated.

We also testified before the Senate Finance Commit-tee and provided evidence that the FTC study was badly f lawed. In a bold move, we suggested the introduction of a bill that would prevent any further investigation of our business by the FTC without prior approval of the Senate. Because of our strength, that bill passed. The FTC investi-gation was over.

new issuesLet’s fast-forward 25 years. The FTC is no longer the prob-lem. However, sparked by the attorney general of the state of New York, Eliot Spitzer, the inevitable has happened. We have new investigations of our business. The result may be that compensation systems, which we have taken for grant-ed, will have to be changed significantly. In addition, NAIC is finalizing disclosure regulations that could make it more difficult for us to market our products.

fighting backThanks to a hardworking staff and a group of dedicated members, we are fighting these threats on a daily basis. It is a fact of life that there is strength in numbers. Unfortu-

nately our membership has shrunk to 65,000. The goal is to increase that number to 75,000 this year.

Agents I talk with are outraged by what Spitzer and oth-er attorneys general are doing. Thus, one would think that it would be easy to attract people to NAIFA—the only advo-cate we have. Unfortunately it seems to have become fash-ionable for agents not to join. Many I’ve talked to tell me that NAIFA has outlived its usefulness. I hear comments like, “I don’t need NAIFA, and I have better places to put my money. Besides, life insurance is only part of my business.”

If we are to continue to maintain a business climate that allows us to market permanent life insurance, we will need all the help we can get. Logically those who are earning in-come from the sale of this product are the ones who should bear the burden of paying the cost of maintaining its vi-ability.

We are in a business that rewards us financially only when we are successful. We rely on our own skills and don’t expect anyone else to do it for us. We need to apply the same logic to NAIFA.

no free ridesWebster defines freeloading as “imposing on another’s generosity without sharing in the cost or responsibility in-volved.” No one consciously wants to be a freeloader. So if you are reading this and don’t belong to NAIFA or haven’t renewed your membership, do yourself a big favor and join today. For those of us who are members, we must do our share by asking the freeloaders to join now.

There are 300,000 agents, both career and independent. That means four nonmembers are riding for nothing on our back. That’s a heavy burden.

Advisor Today article by: Thomas Wolff, CLU, ChFC

Ten years have flown by since I started writing the “Back Page.” I have been tempted on a number of occasions to write

about NAIFA and the importance of belonging and supporting this wonderful organization. In the end, however, I de-

cided against writing on this subject because the stated purpose of the “Back Page” is to provide sales and career-en-

hancing ideas. However, in view of the events of the past few months, I feel compelled to make an exception and write

about the criticality of a strong NAIFA.

First, a bit of history. In the late 1970s, the Federal Trade Commission (FTC) initiated an investigation of the life in-

surance business. A group of young attorneys, most of whom had little, if any, business experience, were assigned to the

task. Their initial report attacked many of the practices employed by our industry. However, their most damaging revela-

tion was that according to their studies, the average rate of return on a permanent life insurance policy was 1.3 percent.

As one might expect, television, radio and the print media latched on to the FTC report in a big way. For example a

guest on The Phil Donahue Show, which had an audience of 10 million viewers, gave the following advice: “If you have a

permanent life insurance policy, use it to line your birdcage.”

Thomas John Wolff, CLU, ChFC, served as 1979-1980 president of NALU (NAIFA). A member of MDRT since 1958, he is a recipi-ent of the John Newton Russell Award. He is a member of Hart-ford AIFA (Conn.). His address is P.O. Box H, Vernon CT 06066.

Reprinted from the February 2005 issue of Advisor Today.


Dear NAIFA Houston Members,

If you know anyone on this list *, please encourage them to renew their professional affiliation today. We are sure it was just an oversight on their part, but our profession suffers greatly when ALL of us don't support it. Please have them contact Ellie Kennedy at 713-526-5331 to reinstate their membership.

Thank you.

Name

John Chee

Pamela V. Hall, LUTCF

Leesa J. Lee

Chandani Mahant

Alex Peralta, LUTCF

Bachcha Tiwari

Company

New York Life

New York Life

New York Life

MetLife

Liberty Mutual

New York Life

Telephone

281-295-2700

713-499-7605

713-408-0675

713-577-1108

281-364-1090

281-295-2740

Sponsor

NAIFA

NAIFA

NAIFA

NAIFA

NAIFA

NAIFA

* as of 9/18/10

MEMBER NEWS

PLEASE JOIN US IN WELCOMING THESE

NEW MEMBERS TO THE ASSOCIATION

Kris Anthony Andaur

Daniel C. Baker

Deborah H. Batson, CIC,CISR

Scott Allen Blackley

Chris Carroll

Patrick O. Cunningham

Kanishka De Silva

Chukwudi Egbuonu

Keith Flanagan

Jeremy Frank

John M. Fry, CLU, ChFC

Ernest Hammersley, LUTCF

Robert D. Harberson

Doug Hazlewood

Richard A. Hollar, CLU

John J. Jamison, CLU,CFP

Jia Kim

Emile H. Labuga

Rukhsana Lakhani

Melanie Vashon Manning

Lisa Free Martin

Oscar F. Martinez

Ali Nasser, CFP, ChFC

Roy Parikh

Merlene M. Powell, LUTCF

Paul F. Rhoads

Steven Toman

Bryon Townsend, CFP

Rajesh Varghese-Scariah

Tina P. Vo

Kevin D. Willis

Chris Young, CRPC


Calendar of Events 2010 - 2011NAIFA Houston & Society FSP Combined

October 8-10 Society Financial Forum - Orlando 2010 11 Columbus Day

12 NAIFA Houston Foundation Board Meeting - 8:30 AM NAIFA Office14 NAIFA Houston Board Meeting 10:00AM14 NAIFA Houston Luncheon 12 Noon - Houston Racquet Club19 Society FSP Board Meeting - 10:30AM Maggiano's19 Society FSP Regular Luncheon - 11:30 AM Maggiano's28 NAIFA Houston - Agency Cup Golf Tournament - Kingwood Country Club31 Halloween

November 2 Election Day 2010 11 Veterans Day

11 NAIFA Houston Board Meeting 10:00AM11 NAIFA Houston Luncheon 12 Noon - Houston Racquet Club16 Society FSP Board Meeting - 10:30AM Maggiano's16 Society FSP Regular Luncheon - 11:30 AM Maggiano's19 FSP Annual Conference25 Thanksgiving Day26 Office closed

December 1 Hanukkah Begins 2010 2 Society FSP Holiday Party

9 NAIFA Houston Board Meeting 10:00AM9 NAIFA Houston Luncheon 12 Noon - Houston Racquet Club21 First Day of Winter24 Christmas Eve - Office Closed25 Christmas Day31 New Year's Eve - Office Closed

January 1 New Years Day 2011 11 82nd Texas Legislature Convenes

13 Society FSP Board Meeting - 10:30AM13 NAIFA Houston Board Meeting 10:00AM13 NAIFA Houston/Society FSP Joint Luncheon 12 Noon Houston Racquet Club17 Martin Luther King Day18 NAIFA Houston Foundation Board Meeting - 8:30 AM NAIFA Office

February 1 NAIFA - Day on the Hill - Austin Texas 2011 10 NAIFA Houston Board Meeting 8:30AM - NAIFA office

11 NAIFA Houston Foundation - "Have A Heart" Charity Gala - Evening 12 Lincoln's Birthday13-17 Society FSP - Arizona Institute - Tucson, AZ14 Valentine's Day15 Society FSP Board Meeting - 10:30AM Maggiano's15 Society FSP Regular Luncheon - 11:30 AM Maggiano's21 President's Day22 Washington's Birthday24-26 Houston Rodeo Barbeque Cook-off 24-26 MDRT Experience - Singapore


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NAIFA Houston

FORMERLY THE HOUSTON ASSOCIATION OF LIFE UNDERWRITERS

3200 Wilcrest Drive, Suite 480 • Houston, Texas 77042

��

& Large Case Specialist Innovative Products Exceptional Service Friendly Staff LIFE

ANNUITIES Fixed Indexed Single Premium Immediate Annuities Structured Settlements

ww.elitemktg.net

Annuities Life Insurance Donnie Clossman

Dir. of Mktg. 713-507-1013

Carol Clover Dir. of Mktg.

713-507-1026

Nicole Nguyen Dir. of Mktg.

713-507-1023

Gary Webb Life Mktg.

713-507-1019

Robert Yur Dir. of Mktg.

713-507-1016

Scott Meyers Dir. of Mktg.

713-507-1029


FORMERLY THE HOUSTON ASSOCIATION OF LIFE UNDERWRITERS

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