LIMITLESS

FEBRUARY 2017

CONTENT SUPERVISORLauren Suarez

CREATIVE LEADJohn Begg

EMAILeditor@torchmarkcorp.com

to update information for Summit or to submit news for the Editor’s page.

HOME OFFICE972-529-5085

GLOBE LIFE OF NEW YORK315-451-7975

(Agent use only) glnyagency@torchmarkcorp.com

AGENT SERVICE CENTER 800-925-7355 or email

agencyservice@torchmarkcorp.com

IGO E-APP® SUPPORT 214-740-2662

WEBSITES unitedamerican.com/logon (for Agents)

unitedamerican.com

office.globelifeofnewyork.com (for Agents) globelifeofnewyork.com

Published regularly by United American Insurance Company and

Globe Life Insurance Company of New York for the dissemination of information

to their Agents.

Prior permission must be obtained from the Home Office for reproduction

or other use of material herein.

NEW PLAN HDF/F+ RATE IN 2017The 2017 calendar year deductible for Medicare Supplement insurance Plan HDF/F+ will be $2,200, an increase of $20 from the 2016 deductible of $2,180.

This deductible is updated annually based on a formula found in federal law. Since Plan HDF/F+ was introduced, the average yearly increase has been approximately $39*. See chart below for details.

Medicare HDF/F+ Annual

Deductible

Year◆Annual

Deductible2017 $2,200

2015 –16 $2,180

2014 $2,140

2013 $2,110

2012 $2,070

2009 –11 $2,000

2008 $1,900

◆ HDF/F+ became available to sell starting in 2005

2007 $1,860

2006 $1,790

2005 $1,730

Contrast these amounts with Medicare Advantage (MA) plans, which in 2017 have a maximum out-of-pocket limit of $6,700. The average MA plan’s limit is currently $5,332**.

Medicare Supplement insurance Plan HDF/F+ may be a suitable option for your customer’s needs***. United American offers 10 of the 11 standardized Medicare Supplement insurance plans nationwide. Always review your prospect’s individual coverage needs, including the values, benefits, and costs of the coverage, to determine which plans may be appropriate****.

*Past performance not indicative of future results.

**Source: Kaiser Family Foundation, December 2016

***Some additional out-of-pocket costs may still be incurred.

****Plan availability varies by state. Check your state compliance sheets to verify available plan options.

WAIT NO LONGER!With the new phone system in the Home Office, Agent Service has made it an available option for the Agent to leave a voice message instead of holding on the line during peak volume times. This allows the Agent to get back to work knowing that they will receive a return phone call as soon as the next Representative is available. All the Agent has to do is to speak clearly and leave their name, agent number and telephone number. We’re here to serve you!

TRY A TRAINING WEBINAR“I’ve taken several of your offered training modules through the webinar system and they’re all very good. I’m planning to login to the “Turning 65 Lead List” for a second time today. Always count on me to say something good about your crew. Rick, Dave, and Vinny are all personable and do a great job. I’ve received phone calls from them too as a follow up to my various training with United American. It has made me feel really plugged in to the Company. Thanks so much!” ~Raymond Landis, Agent

WORDS OF

WISDOM“We are what we repeatedly

do, excellence then is not

an act, but a habit.”

— Aristotle, philosopher —

2 February 2017 LIMITLESS

How do you grow? How do you increase your Agency’s production? YOU RECRUIT! It’s simple math. The more people

you have on your team, the more potential you have for additional sales to increase your overall production. But how do you recruit the ‘right’ people?

THE RIGHT PEOPLEThe right people are those who share your vision for growth, success, and the future. But how do you get people to believe your vision? That’s an important question to ask and answer if you are going to find and keep people to help you reach your goals, and in the process, achieve their own. Goals can be individual to some degree, but vision is a collective entity, one everyone on your team shares. We’ll go into more depth on the advantages of growing your team, and provide tips to finding the right people on pages eight and nine.

WHAT IS YOUR VISION?Is it to retire before you’re forty? Is it to make a million dollars annually? Two million? Is it to live on a desert island with no schedules to keep? Is it the opportunity to play unlimited golf? Is it to spend time doing exactly what you want to do ... whenever you want to do it?

For most of us, it’s probably a little of all these coupled with something more reality based, like the opportunity to spend time with family and

friends in a comfortable environment without financial worries.

Well, my friends, whether you’re just starting out with United American or Globe Life of New York or you’ve been selling our products for years, I think you can accommodate those visions ... whether five years from now or 25 years from now. The era of the Senior is here, and it is here to stay for a long time to come.

Remember, around 10,000 Seniors are turning 65 every day in this country according to Pew Research, and it’s our job to help them find the insurance protection they need. As new Seniors, they may be unaware of what Medicare covers and what it doesn’t cover. Some may not realize that Medicare does not pay ALL their medical expenses. All Seniors are different, and their degree of knowledge and understanding of Medicare is just as different. It’s important you and your downline Agents educate Seniors. The more informed they are, the more comfortable they will be with the coverage decision they make. Your job is to advise them based on your knowledge of Medicare and our Medicare Supplement insurance plans, but the final decision is always theirs. When you have a larger team of Agents, you’re able to help more of these Seniors navigate their options as they age into Medicare.

RECRUIT, TRAIN, RETAINThe Home Office team is dedicated to helping you, not only build your Agency, but also retain those recruits who will help promote your vision.

Getting people in the door is half the challenge; keeping them is the other half. And the way you keep them is to show them how to succeed. And I do mean show them. Telling them is one thing; showing them takes your involvement to a whole new level. Not only does it help cement your relationship, it can enhance their product and sales knowledge tenfold.

As you recruit new team members and work to keep the ones you have, always strive to create and maintain a personal connection. Initially, it may be as simple as sharing an interest in the same sports team, liking a certain restaurant chain, or having kids of the same age. But it’s a connection that can lead to a lasting relationship. It can also pave the way for a shared vision of success and help you reach Quebec, Canada for Convention 2018.

Charles MankamyerPresident of General Agents

VISIONR E A C H Y O U R

3 February 2017 LIMITLESS LIMITLESS February 2017 3

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4 February 2017 LIMITLESS

FOCUS ON GROWTH AND POTENTIALMany Agents know the more Agents they have in their downline, the more earning potential they have. But, how to keep those Agents producing is the tough part. I recently hosted a recruiting and training seminar with Charles Mankamyer (Chuck) in the Cleveland, Ohio area, where we learned a new technique to encourage your downline to produce.

The owner of the company we were presenting to came up with a unique strategy to motivate his Agents to sell more by using BS bucks. The BS bucks were based on individual production and earned throughout the year of 2016. The Agents got to ‘spend’ their bucks in January of 2017, in the form of an auction. The owner bought thousands of dollars in gifts such as gift cards, vacuum cleaners, backpacks, and other various objects that you might never expect. These objects were nothing crazy, but it was exciting to see these Agents get competitive and bid higher than one another. The Agents were able to combine their bucks and split the object; or, they could keep their bucks for one thing they really wanted and bid all of their money on it. While this entire event was a pretend auction, these adult Agents were arguing, laughing, and enjoying themselves as they were rewarded for their past year of sales.

Chuck and I had no idea this was coming, and we had never seen anything like it before. When the owner began explaining it, we were not sure what we were about to encounter. But, as the event went on, Chuck and I were able to see how much this event would end up being an incredible amount of laughs and fun.

If I were to hear about this ‘BS bucks auction’, I would probably not think of it as anything beneficial, just a fun and exciting to way de-stress. However, the more Chuck and I talked about it, the more we saw how beneficial this could be for the Agents and office staff to participate in.

This could benefit a team is by simply allowing them to work as a team. As aforementioned, the bidders could combine their BS bucks to outbid other people. Also in this, there was a new sense of encouragement happening as people got excited for their peers to outbid one another or win a certain object. Another way this event created team bonding was the way people showed their ‘true colors’ as they were outbidding or trying to win the objects. The people who you would never think to be competitive or to ever yell or anything were then expressing themselves and surprising everyone with how they were acting.

This entire experience was such a unique and interesting way to see team building and bonding happen. While all of us are adults, it seems like a fun rewards system, and added value to the team’s overall production.

What ended the bidding and auction for the evening was when a woman yelled out, “I want your tie!” to the owner of the company. This woman then began a wild frenzy. The tie was the hot commodity of the evening. I thought the previous items were fought over enough, but I never expected this.

This idea of BS bucks as a reward for sales and then an auction at the end of the year is one that might seem like a silly idea, but after watching it happen, it was one of the most exciting and fun ways to see a team come together and have a genuinely good time as a whole. When a team is able to break down barriers, it can help create an environment which keeps the focus on increasing production while having fun at the same time.

From the

DIRECTOR’SCORNER

Bob KempnerDirector

5 February 2017 LIMITLESS LIMITLESS February 2017 5

Is your Agency playing the right tune? Are you giving off great vibes? With around 10,000 Seniors turning 65 every

day in this country, your prospect pool will grow by 3.5 million in 2017 alone. Do you have the Agent power to handle it?

Recruiting should always be part of your Agency’s culture. To take the Senior market by storm, grow your number of recruits to grow your Agency and grow your production!

Pump up the volume! Don’t let one producer be your end-all for production. Always be looking for your next superstar. You want to have several top producers, so you don’t depend on one individual for all your production.

Blow your own horn! If you want to attract quality people to your Agency, give the impression of quality ... in the landscaping around your building, the art work in the reception area, the cars parked in front of the office. Create the look of success and success will come to you.

Think about your next gig! In order to increase production, you want to grow your Agency, not simply maintain it. Replacing Joe Agent when he leaves with Jack Agent isn’t going to generate the increased production you want and need to become your best. Plan for the future ‘cause BIGGER is BETTER!

Play music all the time! Recruit when you stand in line at the grocery store or at the bank. Recruit at your daughter’s soccer game. Recruit at the coffee hour at church or synagogue. Everywhere you can talk, you can recruit.

Help others appreciate your sound! To successfully recruit quality individuals, use the techniques you use when selling a product. Ask open ended questions to find out who the recruit really is and why he or she is looking for a career change.

Enjoy each other’s music! Form a connection. What do you have in common? Maybe you both play golf. Maybe you both like a certain music group. Dig a little to find some common ground that allows you to build a bridge of trust with the potential recruit.

Let the sound explode! Create a sense of urgency, get excited, inject your personality into the conversation, be vibrant, appeal to their ego. Make recruiting an event, even if it’s only two of you! Help prospective recruits buy into the potential you offer, and they’ll soon be telling you why you should hire them.

UP YOUR RECRUITING!

Bob Kempner Director

(302) 722-1719 Tel rkkempner@torchmarkcorp.com

All Other States

Joseph Stark Director

(561) 818-5405 Tel jdstark@torchmarkcorp.com

FL

Robert Jones Assistant Director

(985) 264-7239 Cell rxjones@torchmarkcorp.com

AL, AR, LA, MS, WA

Danielle Kirschner Assistant Director

(972) 505-0247 Cell dskirschner@torchmarkcorp.com

AK, HI, NY, WY

Henry Vazquez Assistant Director

(469) 408-2337 Cell hevazquez@torchmarkcorp.com

TX

Gary Kieffer Senior Recruiter

(214) 250-5782 Tel glkiefffer@torchmarkcorp.com

AZ, IA, ID, KS, MN, MO, ND, NM, OH, OK, OR, SD

Michael Surrano Director

(214) 326-2339 Tel mfsurrano@torchmarkcorp.com

CA, GA

Omar Borrego Assistant Director

(214) 250-5798 Tel oaborrego@torchmarkcorp.com

IN, MI, UT, WI

UA wants to help you build your Agency, so contact your Regional Director/Recruiter today:

6 February 2017 LIMITLESS

Part of our commitment to you means providing you with the training and materials you need to do your job successfully. It also means helping you do everything necessary from a compliance and regulatory standpoint to make your sales flow smoothly and efficiently. Submitting required forms that are properly completed with appropriate attachments to the Home Office make the entire sales process faster and easier for you, your customer, and our Company!

To avoid delays and problems, keep up-to-date with changing compliance issues in your state. Our Compliance Department reviews the ongoing changes in laws and regulations that affect the Company’s products, support materials, and procedures for doing business. We keep you informed of these changes in numerous ways:

• When Agents order supplies, they are sent updates with the products they order.

• Special mailings are sent to Agents when significant compliance issues warrant notification.

• Summit communicates timely product updates and industry information to Agents via the Editor’s Page or in specific articles.

• Compliance sheets for all UA products are available online by state at UAOnline. Globe Life of New York Agents can check at office.globelifeofnewyork.com.

• If you can’t find the answer to your compliance question in any of these resources, call Agency Services at 1-800-925-7355 from 7:45 a.m. to 4:30 p.m. Central time zone.

AVOID THESE COMMON ERRORS THAT DELAY SERVICE TO YOU AND YOUR CUSTOMERS:• Application not signed by applicant and/or Agent

• Agent number missing • Wrong application for state of residence • Applicant’s date of birth omitted • Health questions not answered • Bank authorization not signed (where applicable)

• Voided check missing – remember, deposit slips or counter checks are not acceptable • No premium received with application • Replacement forms (where applicable) not included with application

• Wrong plan code written for premiums charged

STAY COMPLIANTWe know that as an independent General Agent you have the option to write for a variety of different carriers. We work hard so that United American or Globe Life of New York will be your number one choice! We deeply value the commitment you have made to us, and we want to do all we can to give you and your customers the very best service available. When we do our best for you, you can do your best for your customers.

Attention to Compliance pays off for everyone!

7 February 2017 LIMITLESS LIMITLESS February 2017 7

BEL I M I T L E S SAS an independent, general Agent, you can grow your business as large as you

want, sell as much as you can, and be as successful as you wish. Yes, this all

takes hard work, but your possibilities are limitless. The more people you have working with you

to reach your goal can help you get there quicker. And, appointing with the right Company could

make a significant difference in your earning potential as you recruit more Agents to your downline.

When reviewing resumes, trying to decide whom to invite into the office for an interview, keep the following tips in mind:

A resume is an individual’s personal marketing tool. It’s how people ‘sell’ their skills. If a resume contains spelling errors, what does that say about the person? Attention to detail is a sign of professionalism. A resume with numerous spelling errors could indicate the candidate will not submit accurate applications to the Home Office. However, we’re all human and make mistakes from time to time, so use your best judgement on each individual’s resume.

Look at the number of jobs the candidate has had in the past. If the individual changes jobs every six months, you may have an issue with turnover. However, changing jobs frequently could also indicate the candidate simply hasn’t found his/her niche. Address any concerns you may have during the interview.

While it’s great if the candidate has some type of sales background, it certainly isn’t a requirement. If the person has no sales experience, look for leadership skills listed throughout their resume. What kind of adjectives did they use — ambitious, dedicated, hardworking, self-starter, motivated? Did they demonstrate initiative, lead any projects, or receive any promotions?

FIND THE RIGHT CANDIDATE

Recruiting is essential to growth, and you have no limit to the number of people you try to recruit. You multiply yourself and your efforts through others.

But that’s not the only advantage. Think of the more than 28 million uninsured Americans. More Agents can help reach more uninsured people. Or think of the 7.5 million unemployed Americans. Selling insurance can provide an outstanding income for those without employment, those looking to make a career change, or those who have yet to find their niche. Recruiting is a win-win situation for everyone. And, with United American’s training webinars, new Agents can learn general sales and market information, along with Company specific information.

SOURCES:

Kaiser Family Foundation, September 2016, http://kff.org/uninsured/fact-sheet/key-facts-about-the-uninsured-population/Bureau of Labor Statistics, U.S. Department of Labor, January 2017, https://www.bls.gov/news.release/pdf/empsit.pdf

— Imagine if there were more top-producing Agents in your office —

STRENGTH IN NUMBERS

15 total Policies 75 total Policies

Agent + 3 Pol ic ies/Day = 15 Pol ic ies/Week

Agent + 3 Pol ic ies/Day = 15 Pol ic ies/Week Agent + 3 Pol ic ies/Day = 15 Pol ic ies/Week Agent + 3 Pol ic ies/Day = 15 Pol ic ies/Week Agent + 3 Pol ic ies/Day = 15 Pol ic ies/Week Agent + 3 Pol ic ies/Day = 15 Pol ic ies/Week

WHICH NUMBER LOOKS BETTER TO YOU?

8 February 2017 LIMITLESS LIMITLESS February 2017 9

Eagles Club is an elite group of Agency leaders representing the best of United American and Globe Life of New York.

Through January 2017, these top producing General Agents and Agencies have the highest net combined annualized premium. Agents/Agencies producing $350,000 or more in NAP will qualify for club membership and receive an award at convention; the top 10 will have their photo on the wall at the Home Office.

Through January 2017, these top producing Writing Agents have the highest net combined annualized premium.

2017 EAGLES

PRESIDENT'S CLUB PACESETTERS CLUB

#1

#2

#3

#4

#5

#1

#2

#3

#4

#5

Jon Ahlbum The Ahlbum Insurance

Group, Inc.

Mike Lemar Sunshine State Agency

William Borosak Jr. Secure Financial

Group, LLC

Catherine Hatton Long Island Insurance

Solutions

Donna Ahlbum Ahlbum Insurance

Agency

AGENT NAME AGENC YYTD PRODUCTION

1 Ron Concklin Rosenberg-Concklin, Inc. $84,897

2 Kerry Sachs Secure Retirement Solutions, Inc. $82,560

3 Paul Sheldon, CLU, ChFC Paul Sheldon Insurance & Benefits Planning $76,836

4 John Clark Senior Solutions Insurance Agency $64,882

5 Scott Mednick Professional Insurance Systems of Florida $62,721

6 Senior Insurance Marketing, Inc. $58,690

7 James M. Gray, Inc. $57,180

8 Christopher Graham, CLU Graham Financial Group, Inc. $55,866

9 Robert Wroblewski SOS Insurance Group $51,794

10 Scott Schwartz Insurance Protection Services $44,904

11 Shawn Schroeder Jack Schroeder & Associates, Inc. $38,094

12 All Care Insurance Marketing, Inc. $34,908

13 Lisa Rosati Rosati Insurance Agency $34,776

14 Gina Savage Savage Insurance Agency $28,051

15 Centerstone Insurance & Financial Svcs. $27,794

16 Joseph Maisonet Maisonet Insurance Agency $26,039

17 Paul Richard Richard Insurance Agency $24,319

18 Peter Gelbwaks Gelbwaks Executive Marketing Corp. $22,816

19 Maria Cancio Cancio Insurance Agency $22,811

20 Stephen Maisto Senior Health Solutions $22,792

21 Susan Hirsch Hirsch Insurance Agency $22,498

22 Paul Sweeney Quality First Insurance Agency, Inc. $22,328

23 Bryan Wiedersum Wiedersum Insurance Agency $21,708

24 Jackson Edwards IV Edwards Insurance Agency $21,252

25 Nur Ahmed Ahmed Insurance Agency $20,764

26 Mark Heller Heller Insurance Agency $20,555

27 Xiomara Ottovegio Ottovegio Insurance Agency $20,196

28 Futurity First Insurance Group, Inc. $19,847

29 Gary Haft JMH Advisors, Inc. $19,427

30 Nicholas Mangini Mangini Insurance Agency $18,804

AGENT NAMEYTD PRODUCTION

1 Paul Sheldon, CLU, ChFC $76,836

2 Scott Schwartz $44,904

3 Tim Ahlbum $43,308

4 Kerry Sachs $41,646

5 Dale Ratliff III $24,528

6 Chad Spink $22,008

7 Bryan Wiedersum $21,708

8 Neil Primack $21,360

9 Mark Heller $20,555

10 Jason Stevens $19,524

11 Xiomara Ottovegio $19,476

12 Devin Barta $19,416

13 Brian Gilbert $19,392

14 Aaron Gordon $18,023

15 Christopher Graham, CLU $17,975

16 Lisa Rosati $17,496

17 Ray Stevens $16,764

18 Robert Holzman $16,390

19 Dani Chard $16,332

20 Gary Haft $16,068

21 Paul Rosen $15,472

22 Thomas Payant $15,276

23 Peter Bono $14,734

24 Barbara Sanders $14,111

25 Sonya Morgan $14,028

26 Susan Hirsch $13,762

27 Maria Cancio $13,655

28 Catherine Hatton $13,204

29 Darrin Dibisceglie $12,972

30 Peter Hoyek $12,875

Through January 2017, these top producing General Agents and Agencies have the highest net life annualized premium.

Through January 2017, these top producing Writing Agents have the highest net life annualized premium.

TOP 30 LIFE GENERAL AGENTS

TOP 30 LIFE WRITING AGENTS

Tim Ahlbum Health Coverage

Solutions

Ray Stevens Stevens & Associates

Insurance Agency, Inc.

Devin Barta Barta Insurance Agency

Mark Graham AmeriLife

Edward Shackelford The Assurance

Group, Inc.

AGENT NAME AGENC Y

1 Jon Ahlbum The Ahlbum Insurance Group, Inc.

2 Donna Ahlbum Ahlbum Insurance Agency

3 Mark Graham AmeriLife

4 Willie Jones Jones Insurance Agency

5 George Hiller Hiller Insurance Agency

6 Donald Howe Howe Insurance Agency

7 Scott Mednick Professional Insurance Systems of Florida

8 Raymond Baker Baker Insurance Agency

9 Jean Charles Charles Insurance Agency

10 Neal Stacy Stacy Insurance Agency

11 Tony Evans Evans Insurance Agency

12 Tom Caress Caress Insurance Agency

13 Robert Segal Segal Insurance Agency

14 Loren Olguin Olguin Insurance Agency

15 Jimmy Garcia Garcia Insurance Agency

16 Florence Thomas Thompson Insurance Agency

17 Kevin Reppuhn Reppuhn Insurance Agency

18 Mike Stevens Farm & Ranch Healthcare, Inc.

19 Daniel Glaskey Glaskey Insurance Agency

20 Latasha Fleming Fleming Insurance Agency

21 Christopher Watkins Watkins insurance Agency

22 Shamusideen Ottun Ottun Insurance Agency

23 D & P Jones Insurance Services, Inc.

24 Melissa Weltin Weltin Insurance Agency

25 Suzanne Conrad Conrad Insurance Agency

26 Copeland Group USA, Inc.

27 Spencer Vice Vice Insurance Agency

28 Taiwana Hixon Hixon Insurance Agency

29 Rosamaria Marrujo Marrujo Insurance Agency

30 Emilio Morales Jr. Morales Insurance Agency

AGENT NAME

1 Lisa Rosati

2 John Muamba

3 Willie Jones

4 George Hiller

5 Brett Zernick

6 Raymond Baker

7 Jean Charles

8 Rex Smith

9 Edward Cody

10 Tony Evans

11 Louis Reinitz

12 Robert Segal

13 Victor Cabrera

14 Nathan Saylor

15 Stephen McAllister

16 Jimmy Garcia

17 Florence Thomas

18 Kevin Reppuhn

19 Mark Simpkins

20 Daniel Glaskey

21 Latasha Fleming

22 Andrew Watkins

23 Shamusideen Ottun

24 Joe Gray

25 Melissa Weltin

26 Suzanne Conrad

27 Robert Boatfield

28 Gregory Smith

29 Lewis Hardaway

30 Dawnmarie Manduca-Molina

10 February 2017 LIMITLESS LIMITLESS February 2017 11

#UACONVENTION2018 JULY 10-13, 2O18◆ FAIRMONT LE CHÂTEAU FRONTENAC ◆

CITY

WH

AT Y

OU

NEE

D T

O Q

UA

LIFY

IF

YO

U A

RE

A G

ENER

AL

AG

ENT:

MONTH LIFE ONLY HEALTH ONLY COMBINED

$180,000 NAP $350,000 NAP $350,000 NAP

JAN. $15,000 $29,167 $29,167

FEB. 30,000 58,333 58,333

MAR. 45,000 87,500 87,500

APR. 60,000 116,667 116,667

MAY 75,000 145,833 145,833

JUNE 90,000 175,000 175,000

JULY 105,000 204,167 204,167

AUG. 120,000 233,333 233,333

SEPT. 135,000 262,500 262,500

OCT. 150,000 291,667 291,667

NOV. 165,000 320,833 320,833

DEC. 180,000 350,000 350,000

WH

AT Y

OU

NEE

D T

O Q

UA

LIFY

IF

YO

U A

RE

A W

RIT

ING

AG

ENT:

MONTH LIFE ONLY HEALTH ONLY COMBINED

$100,000 NAP $150,000 NAP $150,000 NAP

JAN. $8,333 $12,500 $12,500

FEB. 16,667 25,000 25,000

MAR. 25,000 37,500 37,500

APR. 33,333 50,000 50,000

MAY 41,667 62,500 62,500

JUNE 50,000 75,000 75,000

JULY 58,333 87,500 87,500

AUG. 66,667 100,000 100,000

SEPT. 75,000 112,500 112,500

OCT. 83,333 125,000 125,000

NOV. 91,667 137,500 137,500

DEC. 100,000 150,000 150,000

Agents who contract after Feb. 1, are prorated for Convention qualification. For example, contract in March and the Agent life/health requirement is 10 months or $125,000 of combined NAP. Minimum NAP for an Agent who contracts in June is six months or $75,000 combined NAP. Agents must be contracted and produce at a six-month minimum

production level to be eligible for Convention. Non-standard (Disability) Medicare Supplement production will not count towards qualification for Convention, Awards or Club honors.

ARE YOU ON PACE TO JOIN US?