Volume 23, Issue 1 · Life A.V. Health A.V. Russell Lavender FL $ 1,328 Mark Simpkins OH $ 6,307...

Volume 23, Issue 1

Volume 23, Issue 1

In God We Trust

December 31, 2019 Volume 23, Issue 1

Weekly Bulletin Published in Fort Worth, Texas for F&R Agents A Faith-Based Company

Life A.V. Health A.V.

Russell Lavender FL $ 1,328 Mark Simpkins OH $ 6,307

Important Notice regarding the F&R Bulletin: The F&R Weekly is published by Farm & Ranch Healthcare, Inc. for

the dissemination of information to its Agents. It is not intended to be used as advertising material. Permission must be

obtained from Farm & Ranch Healthcare, Inc. for reproduction or other use of material herein. This weekly bulletin is

intended for distribution to the independent professional sales associates affiliated by contract with Farm & Ranch

Healthcare, Inc. It is not intended nor authorized to be used as a sales tool and its contents are not to be shared by any

means with anyone not currently contracted with Farm & Ranch Healthcare, Inc.- Thank you. CA License#:CAOC01351

2. David Kauzlarich IA $ 4,115

3. Jana Shetler MO $ 3,576

4. Greg Fallin TX $ 1,492

5. Jackie Beatty TX $ 428

Top 10 2018 F&R Life Producers

1. John Mills TX

2. Mike Sosso TX

3. Mark Simpkins OH

4. Greg Fallin TX

5. Michelle Hilgendorf TX

6. Russell Lavender FL

7. Tim Styer TN

8. Phil Seideman TX

9. Chris Simpkins OH

10. Jerry Evins

Volume 23, Issue 1

Farm & Ranch Healthcare, Inc.

Carrier Products Sold Weekly A.V. / Top Producer

Signature Term Life ART 10, 15, 20 or 30

Strategy Health

Strategy Whole Life

$ 0.00

Not intended to be used as a sales tool or advertising materials.

Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Foundation Health

Hospital Expense Protection

STM GI

STM—6

AME—Plan Enhancer—5

TRIOMED AME/CI

Life / Critical Illness

Cancer / Heart / Stroke

Accident

Indemnity Dental

PPO Dental

Term Life

$ 13,385.00 Health

David Kauzlarich IA

$ 0.00

Med Sup—Traditional Med Sup—High Ded Plan F Disability Med Sup—Traditional Disability Med Sup—High Ded Plan F Cash Cancer Critical Illness No First Year Prem Acc Death—2

Foundation Life Series II 10 YR Renewable Term 10 Yr to ART 20 Yr to ART Lifestyle Annuity Juvenile Life

Final Expense-WL

Life Insurance

Child Whole Life Living Promise—1 Term Life Answers Term Life Express GUL GUL Express Guarantee Advantage IUL

Income Advantage Protection Advantage

Med Sup—1

PDP

Critical Advantage—1

Dental Dental Preferred Dental Protect—2

Disability Income Priority Income Disability Income Choice

Long Term Care

Mutual Care Solution

Annuities

Bonus Flex Ann. Ultra-Secure Single Prem Ann.

$ 2,533.00 Health $ 1,328.00 Life

Greg Fallin TX

Not Insurance $29.90 monthly Family Membership Dues—Less Than a Dollar A Day!

Silver Membership

$ 1,435.20 4 New Members

MyTelemedicine

$5000 (Guaranteed Converti-ble) Group Life Insurance

Deep Dental Savings

Emergency Roadside Assit.

RX Savings

See disclosure on page 7

Volume 23, Issue 1

No Winner

Not Insurance

Agent Commission Bonus

Greg Fallin $ 100 $ 100

Phil Martin $ 100 $ 100

John Mills $ 100 $ 100

Mark Simpkins $ 100 $ 100



Greg Fallin $ 100

No Winner

No Winner

Volume 23, Issue 1

Bonus Rules:

Bonus will not be paid for products written on Family Members,

Yourself or any other F&R Agent and/or Manager.

Bonus is subject to charge backs if lapsed, declined or cancelled

by the Ins Company and/or the Policyholder within the first 90

days.

No Bonus applicable to internal replacement applications and re-

submitted applications (previously submitted) will be paid only if

the original bonus has been charged back. Multiple submissions

will be determined on a case by case basis.

All Agents / Managers must maintain an acceptable Net to Gross

Ratio in order to qualify for Bonus.

Bonus & Commission is not paid on Trial Applications until

policies are placed & premium received.

Heartland conversion applications count toward bonus

qualifications.

Heartland Commissions will be charged back on all Heartland

Memberships lapsed or cancelled within the first year.

Only applications that are submitted on Bank Draft Mode qualify

for Bonus Program

One bonus payable per application

Medicare Supplement Guaranteed Issue business for reasons

other than “aging in” do not qualify for bonus.

Heartland Silver Bonus Write a Heartland Silver membership and receive . . .

(PLUS $100 Commission) $200 Total

Life & Accidental Death E-APP Bonus

Write any MOO or UA Life or Acc Death E-APP or a paper app on any MOO

IUL ,GULE, GUL (Min. $60 monthly premium) and receive . . .

Medicare Supplement E-App

Write a Mutual of Omaha or United American E-App

(Plans F, G or N) excluding High Deductible Plan F (HDF)

Mutual of Omaha Critical Advantage E-App Bonus

Write a Mutual of Omaha Critical Advantage E-App

(Min $100 monthly premium) and receive . . .

Mutual of Omaha Long Term Care E-App Bonus

Write a Mutual of Omaha Long Term Care E-App

and receive...

Effective 12/17/18 Turn-In (Bonuses subject to change)



Providing the highest quality LEADS is an integral part of our unique BONUS Program!

Volume 23, Issue 1

Mutual of Omaha Guaranteed ADvantage Accidental Death Up to $1,000,000 in total benefits under certain circumstances. Otherwise up to $500,000.00 in benefits Issued up to age 18- 70. Renewable up to age 80

Mutual of Omaha Term Life Express - Available up to $25,000 up to $300,000** Face - Issue Ages 18– 70*

Mutual of Omaha Living Promise - Final Expense

Available up to $40,000** Face - Issue Ages 45-85*

Mutual of Omaha Guarantee Universal Life Express Available $25,000 up to $ 250,000** Face - Issue Ages 18- 65*

Mutual of Omaha Children’s Whole Life- Available $2,000 up to $ 50,000 Face – Issue Ages 14 Days– 17 yrs

United American Final Expense Available up to $25,000** Face - Ages 50-80*

United American Juvenile Whole Life Available up to $25,000 Face - Ages 0-18

FULLY UNDERWRITTEN

Mutual of Omaha Term Life Answers Available $100,000 up to $65,000,000** Face - Ages 18– 80*

Mutual of Omaha Guaranteed Universal Life (GUL ) Available up to $100,000 up to $65,000,000** Face - Ages 0-85*

Mutual of Omaha Income Advantage Indexed UL

Available up to $100,000 up to $65,000,000** Face - Ages 0-85*

Mutual of Omaha Life Protection Advantage Indexed UL Available up to $100,000 up to $65,000,000** Face - Ages 0-85*

United American “Fundamental Series” Term Life Available up to $25,000—$500,000** Face - Ages up to 20-70*

Maximum issue age will vary based on product, Term length, risk class, tobacco use and state mandates. ** Maximum Face Amounts will vary based on age, product, Term length, risk class, tobacco use and state mandates. Face amounts are also subject to financial underwriting requirements based

on insurability.

Silver Membership

MyTelemedicine $5000 Group Life Insurance Deep Dental Savings RX Savings Vision Savings MAS Benefits And many more!

$29.90 Monthly Family Membership $29.90 Enrollment Fee

Less Than a Dollar A Day!

Not Insurance

National General Foundation Health Plan

Fixed-Benefit Indemnity Plan offers predictable and affordable access to health care. Issue Ages 18-64

NGIC Short Term Medical Plan with a guaranteed

issue option – Term Medical insurance It provides the financial protection you need from unexpected medical bills and other health care expenses. Issue Ages 18-64 Up to 12 mo options ...Max. allowable policy period is 364 days. Policy durations will vary by state. Some states have a maximum duration of 3 or 6 months.

Mutual Of Omaha Companies Medicare Supplement Plans Issue Ages 65 and Up

United American ProCare® Medicare Supplement Plans Issue Ages 65 and up * Some States Underage 64 Disability Med Supp

Mutual of Omaha

Dental plans Issue Ages 19-99

Critical Advantage-Critical Illness Plan Issue Ages 18- 65 ...18-89 Cancer-Heart/Stroke

Disability Income Plans-Issue Ages 18- 61(Most Plans)

Accident - Short- Term- Long Term- Business Expense

Long Term Care– Mutual Care Solutions Issue Ages 30-79

United American Cash Benefit Cancer Plan- Issue Ages 0- 69 Pays maximum benefit amount in cash as listed in the policy schedule up to $50,000

UA250—Accident plan—Issue Ages 0- 63

HealthGuard (CIL) Issue Ages 18-64

critical illness protection which pays a lump sum benefit directly to the policyholder up to $50,000 .

National General

Hospital Expense Protection-Issue Ages 18-64

Provides set, cash benefits that help you pay for out-of-pocket costs due to a hospital stay.

TrioMed- AME/C.I./Accidental Death Combo Plan Issue Ages 18- 64

Accident Fixed-Benefit- Issue Ages 18-64 The Accident Fixed-Benefit plan pays cash benefits when injuries, medical treatment or death result from an accident.

Plan Enhancer/Accident Medical Expense Issue Ages 18-64 Accident Medical Expense with

Lump sum benefit rider for Cancer Heart and Stroke.

Optional Sickness Hospitalization rider Lump Sum Benefit

upon admission to the hospital max varies by state.

Term Life or Life / C.I.— 10 yr Term Life—Critical Illness Issue Ages 18-59

Dental Indemnity

3 levels of affordable coverage to choose from:

BASIC - INTERMEDIATE - PLUS In most states, apply for coverage through age 70 and renew up to age 75.(Apply through age 64 and renew up to age 70

in CO, MA, MD, NC, NJ, OH, OR, SD and UT.)

See disclosure on page 7



Volume 23, Issue 1

“Our mission is to assist American Families Nationwide in their efforts to provide AFFORDABLE, dependable solutions to their

Life, Accidental Death, Medicare Supplement and Supplemental Health needs - And the amazing life saving programs members receive

from Heartland Alliance of America Telemedicine."

Notice: Always use complete approved company materials when making presentations, or distributing to your clients & prospective clients

Guaranteed Issue Products An easy way to clear all debts and leave a legacy for future generations

No Underwriting—NO Health Questions—NO Occupational Questions

Heartland Silver Membership Plan (This is not Insurance)*See full disclosure on page 7

Mutual of Omaha—Accidental Death Plan United American—No first year Premium—Accidental death

NHIC—Short Term Medical

Mutual of Omaha or United American Medicare Supplement plans when:

Open Enrollment—To be eligible for open enrollment, an applicant must be at least 64 ½ years of age (in most states) and be within six months of his/her enrollment in Medicare Part B. Applicants covered under Medicare Part B prior to age 65 are eligible for a six-month open enrollment period upon reaching age 65 Applicant joined a Medicare Advantage Plan (like an HMO or PPO) or programs of All-inclusive Care for the Elderly (PACE) when they were first eligible for Medicare Part A at 65, and within the first year of joining, they decide they want to switch to traditional Medicare.

Applicant dropped a Medigap policy to join a Medicare Advantage Plan (or to switch to a Medicare SELECT policy) for the first time, they have been in the plan less than a year, and want to switch back Applicant’s Medigap insurance company goes bankrupt and they lose coverage, or the Medigap policy coverage otherwise ends through no fault of t heir own. Applicant leaves a Medicare Advantage Plan or drop a Medigap policy because the company hasn’t followed the rules, or they were misled. Applicant coming off a group plan



Reminder: With the growing amount of

online submission of business the Applicant Data Turn-In Sheet becomes

increasingly important in tracking your business, assisting in servicing your clients, assigning your lead credits, awarding your

bonus credits and most importantly… making sure you get paid.

In our efforts at Farm and Ranch to help support you in your success. Please remember

to send Farm and Ranch a Data Turn-In Sheet with each Client you sell

Online applications and paper applications . Keep a copy for your files.

Help us help you! The weekly New Business Cycle runs from Wednesday thru Tuesday

Weekly New Business Cycle ends at 5PM CST New Business Deadlines and checks mailed date may vary due to Holiday Schedules

Volume 23, Issue 1

Not Insurance

Heartland Commission $100

PLUS $100 BONUS!

$200 Per App!!! Disclosure: THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not

meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. This is not a Medicare proscription drug plan. The range of discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for all services but will received a discount from the participation providers. The list of participation providers is at www.heartlandamerica.org. A written list of participating providers is available upon request. Discount Plan Organization and Administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 7534; phone 800-441-0380. Marketed by Farm & Ranch Healthcare, Inc. 25901 Riverglen Dr., Fort Worth, TX 76109; phone 800-633-6508. 30-day Member satisfaction guaranteed—or full refund!



5 Elite Leads for every

Heartland application!!!

Many of your clients will be able to find details on the Heartland website…

http://heartlandamerica.org .. Members -”Log In” tab . If your Heartland clients need to talk to someone recommend they first call Farm and Ranch’s Home office… 800-633-6508 ext 109 ... or you the agent

to ensure the receive quality service.

REMEMBER ... the Heartland Member MUST PRE-REGISTER for

the MyTelemedicine and Roadside Assistance programs!

DON'T WAIT 'TILL IT IS TOO LATE!

Group Term Life EXTENDED to AGE 70 !!!

Effective 1-01-2019

Primary members receive GUARANTEED

Issue, GUARANTEED convertible Group Life

coverage! The Silver Membership Level

includes $5,000 Group Life benefit for the

primary member. Death Benefit payable

after 180 days of HAA membership waiting

period. This group benefit is GUARANTEED

convertible to an individual plan within 30

days after the member’s 70th birthday!

Which means, ONCE AGAIN, members DO

NOT have to qualify!!

How many times were your

client’s too old to take advantage Group Life Coverage …

Go Back ...Enroll them and...

Start their waiting period today!

http://heartlandamerica.org

Volume 23, Issue 1



New Years Holiday, the Home Office will be closed Tuesday, January 1st ,2019.

New business cut-off will be Monday December 31st

at 5:00 p.m.

Reminder: With the growing amount of online submission of business the

Applicant Data Turn-In Sheet becomes increasingly important in tracking your business, assisting in servicing your clients, assigning your lead credits, awarding your bonus credits and most importantly…

making sure you get paid. (SEE PAGE 6) You can also find a fillable Applicant Data Turn-In Sheet at www.farhc.com Under F & R Forms…

This is the time of year for reflection and anticipation.

Thanks for your efforts this year!

2019 is only days away. Our old cartoon

“What have You Done Lately” depicts the reality of our sales

profession. At 12:00:01 AM, January 1, all of us are at the same level… 0

What happens for the rest of 2019 is up to each of us individually.

2019 should be a tremendous year for all of us, there are more income opportunities available than ever.

You need to get your plan together now for 2019! Look at these 5

steps:

1. Take inventory… Ask yourself questions. Where am I? Where do I need to be? …Make sure you include

your financial, personal, physical, and spiritual status. Be sure to write down the answers.

2. Make a plan! Remember Goals are just dreams with deadlines. Write down your goals. Get Specific!

Write down every detail of what it will take to accomplish your goals by day, week, month and year. This is your road map!

3. Make a Non-negotiable commitment to the goals you choose.

4. Set up a check system to monitor your progress so you can adjust to challenges and still succeed.

Shoot High! Set your goals high you will get there!

It’s an exciting time at Farm & Ranch and we would like to assist you to the goals you set for 2019. A New Year, Elite

Leads, Great Products… more income opportunities!!!

http://www.farhc.com

Volume 23, Issue 1

High Deductible Plan F Annual Deductible………………$2,300.00 in 2019($2,240.00 in 2018)

Detailed Medicare cost information for 2018 & 2019 Monthly premium: The income-related Part B premiums, which vary depending on the extent to which an individual beneficiary’s income exceeds $85,000 (or a married couple’s income exceeds $170,000) will also remain the same for 2018. Complete details can be found at www.medicare.gov

Medicare 2018 & 2019 costs at a glance

Part B Premium Most people pay $135.50 each month in 2019 up from 134.00 paid in 2018*

Part B Deductible( Annual) $185.00 per year in 2019( increased from $183 in

2018)

Part A Premium

Most people don't pay a monthly premium for Part A. If you or your spouse paid Medicare taxes for a certain amount of time while working.

Part A Hospital inpatient deductible

You pay in 2019:

$1,364.00 deductible for each benefit period

($1,340 in 2018)

Days 1-60: $0 coinsurance for each benefit period ($0 in 2018)

Days 61-90: $341 coinsurance per day of each benefit period ($335 in 2018)

Days 91 and beyond: $682 coinsurance per each "lifetime reserve day" after day 90 for each benefit period (up to 60 days over your lifetime) ($670 in 2018)

Beyond lifetime reserve days: all costs Skilled Nursing Confinement co-pay

21-100 days: $170.50 (167.50 in 2018)



Volume 23, Issue 1



Do your Clients Regret Signing Up for Medicare Advantage?

They Can Get a Do-Over Soon!

Medicare’s annual open enrollment period ended last month, but certain beneficiaries who regret their selection can get a do-over. However there are changes, The Medicare Advantage Disenrollment Period (January 1 – February 14 every year) will be replaced with a different arrangement. This will be effective starting in 2019, according to the Centers for Medicare & Medicaid Services (CMS).

The Medicare Advantage Disenrollment Period lets your clients drop your Medicare Advantage plan and return to Original Medicare (Part A and Part B). It also lets your client sign up for a stand -alone Medicare Part D Prescription Drug Plan.

In 2019, a new Medicare Advantage Open Enrollment Period will run from January 1 – March 31 every

year. If you’re enrolled in a Medicare Advantage plan, your clients will have a one -time opportunity to:

Enrollment periods that happen each year Each year, you can make changes to your Medicare Advantage or Medicare prescription drug coverage for the following year.

Complete MA disenrollment details can be found at www.medicare.gov

Make sure you let folks know that they can have a do over right now… The window is a little bit larger this smaller this year … January 1,2019 thru March 31

January 1–March 31 Medicare Advantage Open Enrollment Period

(You can only make one change during this period.

Changes will take effect the first of the month after the plan gets your request.)

You Can

If you’re in a Medicare Advantage Plan (with or without drug coverage), switch to another Medicare

Advantage Plan (with or without drug coverage).

Disenroll from your Medicare Advantage Plan and return to Original Medicare. If you choose to do so,

you’ll be able to join a Medicare Prescription Drug Plan.

If you enrolled in a Medicare Advantage Plan during your Initial Enrollment Period, change to another

Medicare Advantage Plan (with or without drug coverage) or go back to Original Medicare (with or

without drug coverage) within the first 3 months you have Medicare.

You Can’t

Switch from Original Medicare to a Medicare Advantage Plan.

Join a Medicare Prescription Drug Plan if you’re in Original Medicare.

Switch from one Medicare Prescription Drug Plan to another if you’re in Original Medicare.

Volume 23, Issue 1



Need Product Info Fast? Go to the New SPA Learning Center!

What to do when you have need to know? It's easy to find what you're looking for in the Sales Professional Access Learning Center. And, you can filter by product education, sales ideas and competitive information. Take a look for yourself. Sale Professional Access website Sales Professionals Access Account at : www.mutualofomaha.com/broker

Training Brainsharks and Sales Ideas Flyers Competitive Comparisons on IUL

Volume 23, Issue 1



According to the American Heart Association:

Every 40 seconds someone in the US has a stroke

Strokes are the leading cause of serious long-term

disability in the U.S.

The good news is more people are also surviving strokes

than ever before.

The Critical Advantage Portfolio you can help your clients:

√ Replace lost income

√ Pay health insurance deductibles and co-pays

√ Keep up with ongoing living expenses like groceries

and house payments

Take this opportunity to talk to your clients about the costs

a stroke can have on them and their family.

The Critical Advantage Portfolio offers a

number of flexible benefits and options.

Issue Ages

18-64 Critical Illness, (18-54 Term)

18-89, Cancer-Heart and Stroke18-54 (Term)

Coverage Options:

Lifetime or Term (10, 15, 20 or 30 years)

Individual, Single Parent, Family

Face Amounts: $10,000 to $100,000

Critical Illness with ROP Intensive Care Rider $250, $500, $750 or $1,000 per day! for a maximum of 30 days during any period of confinement

Cash Value Rider

Simplified or Express Underwriting

Express underwriting

for policies $50,000 and under

Yes/No knock-out questions

Simplified Underwriting

for policies $51,000 and above

Yes/No knock-out questions

Addition of MIB, Pharmacy inquiry and random telephone interview

The updates to the applications are also included in the Critical Advantage underwriting guide, which is available now for immediate download on SPA at mutualofomaha.com/broker or through normal ordering channels.

Don’t miss out on the chance to help your clients fill potential gaps. You can access the e-App on SPA or download the paper application if you prefer.

Mutual announced earlier this year the Critical Advantage rate decrease

of 20% for new customers. GREAT NEWS!!!

Now the rate decrease will be in effect for current policyholders starting on 2-1-19.

The current customers receiving the rate decrease will not have to do anything to get the new rates.

( I already received mine)

Their premiums will be at the new 20% rate cut automatically starting on 2-1-19.

The rate cut for current policyholder will be in effect

in the states below on 2-1-19. AL, AR, CT, HI, IA, KS, KY, MD, MI, NE, NH, NJ, ND,

OK, PA, SD, TN, TX, WY

Great time to check back with your clients and

see if they would like to increase their benefits!!!

Volume 23, Issue 1



Remember…

Effective 12-01-2018

Mutual of Omaha reset the “pins”

for Term Life Answers® rates.

We have number one rates for 10T,

(male and female, ages 45 - 60, non-

tobacco, preferred plus risk class);

and we still offer some of the best

product features in the industry

including Age-Last Birthday rates,

Accelerated Underwriting and

competitive no-cost riders.

We have something right

up your client's alley.

Rules of the Game:

The lower rates and monthly modal

factor go into effect December 1,

2018 in all states, except Oregon

Our new monthly modal factor

of .086 will lower your clients’

monthly premium payments

Transition Rules: Applications

signed December 1, 2018 and later

will get the new rates. Any

pending applications in-house with an application signed prior to

December 1, 2018 with the Agent/Broker wishing to have the new

rates will need to contact the

Underwriting department.

Mutual of Omaha is a perfect

strike in Term Life Answers Top Accelerated Death Benefit for

Terminal Illness rider features up

to $1,000,000 No-cost Waiver of Premium for

Unemployment rider Leading conversion opportunities

prior to age 75

Competitive Fit underwriting

credits to keep your clients at Standard up to age 75

Age-Last-Birthday rates Great features and industry-

leading pricing means we’re

all strikes and no gutters in

the Term Life marketplace!

In addition to the new Term Life Answers rates we still offer some of the most competitive Accelerated Death Benefits in the industry.

Our Accelerated Death Benefit for Terminal Illness rider offers one of the highest payout amounts in the industry

If your client is diagnosed with a terminal illness, they can access up to 80% of the death benefit or $1

million, whichever is less

Most competitors cap their benefit at $250,000, while ours goes up to $1 million Why This Is Important... Your clients will have extra cash available to help provide a little more comfort during a difficult time. For some, they’ll want to spend extra time with their family. Maybe they’ll take that family vacation they’ve always wanted or use the cash to help pay for quality care and daily expenses.

Give clients the option to take a significant portion of the death benefit early if they become terminally ill.

Offer your clients more than just a death benefit. Offer them Term Life Answers

Check out the latest TLA Brainshark at: https://www.brainshark.com/mutualofomaha/termlifeanswers You can also find it on www.farhc.com—Insurance professionals– Carrier Forms and Resources

Latest Materials are available on SPA !

Go to www.mutualofomaha.com/broker and sign in to Sales Professional Access .

TLA is Right Up Your Alley...more than low rates!

http://blogs.mutualofomaha.com/express/files/2018/12/LY28752_HigherAcceleratedDeathBenefits.pdf

https://www.brainshark.com/mutualofomaha/termlifeanswers

http://www.mutualofomaha.com/broker

Volume 23, Issue 1

Choose From Three Ways to Qualify It takes hard work to become a Mutual Sales Leader. But the reward is spectacular. Earn a trip to Cap Cana based on

the type of business you place with Mutual of Omaha.

The Secret to Your Success Becoming a Mutual Sales Leader means doing the right thing for your customers each

and every day. It also means attending a celebration of sales excellence where you’ll meet your Mutual of Omaha partners, receive recognition for your efforts and network

with other sales leaders. Every detail is included…from airfare, luxury hotel accommodations and meals to sightseeing tours and leisure activities…all to thank you

for your commitment to your customers and for the business you place with us.



Nestled on its eastern shore of the Dominican Republic is one of the

Caribbean’s best kept secrets. Pristine beaches, romantic waterfalls, tropical flora and amazing geological formations combine with luxury

hotels, signature golf courses and world-class spas to make Cap Cana a vacation paradise. Who knew?

It’s not your typical all-inclusive resort. Secrets Cap Cana Resort & Spa is a

sophisticated, adults-only hideaway in the exclusive gated community of Cap Cana. At Secrets, you’ll relax in luxury and enjoy stunning views of

the Caribbean. You’ll also be treated to Secrets’ famed Unlimited Luxury® experience. Visit the Secrets Cap Cana Website:

http://www.secretsresorts.com/en_us/resorts/dominican-republic/cap-cana.html

See Next Page

http://www.secretsresorts.com/en_us/resorts/dominican-republic/cap-cana.html

Volume 23, Issue 1

ELIGIBILITY

You are eligible to earn the Mutual Sales Leaders trip to

Dominican Republic based on the business you place with Mutual of Omaha as a Brokerage Producer (personal production only; individuals or agencies may not qualify based on business placed by down-line producers)

QUALIFICATION PERIOD

January 1 through December 31, 2018 (business must be net

issued between January 1, 2018, and December 31, 2018)

All issued policies must be placed and premium collected and

received by Mutual of Omaha by January 14, 2019

Mutual of Omaha will make a determination after January 18,

2019 on who qualifies for the Mutual Sales Leaders trip to Dominican Republic

2018 Mutual Sales Leaders DOMINICAN REPUBLIC 2019 –Qualifications



Medicare Supplement and Dental/Vision Products

PRODUCTION REQUIREMENT

225,000 production credits are

required to qualify for the trip

You earn production credits based on

your net-issued business, which is measured in Annualized New Business Premium (ANBP)

Medicare supplement internal conversions/replacements and affiliate conversions/replacements will receive .5 credit up to a maximum of 50,000 production credits

\

Simplified Health

PRODUCTION CREDIT REQUIREMENTS

Minimum 150,000 combined credits

from Medicare Supplement, Simplified Life, Dental/Vision and Simplified Health with a minimum 75,000 credits coming from Simplified Health are required to qualify for the trip

Top 5 producers (with most total qualifying credits) earn an invite

You earn production credits based on

your net-issued business, which is measured in Annualized New Business Premium (ANBP):

Medicare supplement internal

conversions/replacements and affiliate conversions/replacements will receive .5 credit up to a maximum of 50,000 production credits

Companion Life Insurance Company

business is excluded PERSISTENCY AND PLACEMENT •Mutual of Omaha reserves the right to withhold the invitation should persistency or placement fall below the following: 13-month Persistency – 70% – Placement – 70%

Simplified Issue Life Products

PRODUCTION REQUIREMENT

80,000 Simplified Issue Life

production credits are required to qualify for the trip and a minimum of 20 issued policies

Companion Life business is excluded

Top 60 producers earn an invite

PRODUCTION CREDITS You earn production credits based on your net-issued Simplified Issue Life business, which is measured in Annualized New Business Premium (ANBP)

PERSISTENCY AND PLACEMENT Mutual of Omaha reserves the right to withhold the invitation should the persistency or placement fall below the following: – 13-month Persistency – 70% – Placement – 70%

You can track your numbers on SPA Under

Mutual Sales Leaders … Currently the numbers are

showing for 2017 Ireland trip

Standings for the 2019 trip to Dominican Republic will begin

posting in March

Three Ways to Qualify

https://producer.mutualofomaha.com/enterprise/myportal/home/sales-and-marketing/rewards/mutual-sales-leaders/!ut/p/a1/jY_BDoIwDIafhSdYB2xwnQW3IYgHUdjFcCIkih6Mz28lxgSjaG9tvq9_yxyrmRvaW9-11_48tMdH7-ShMDFyE0IWC5GCKmyZotryMuAENATAl1Iw-qiVCaMcQKMf0XBlsqUGDik8_Rngr

Volume 23, Issue 1

Cash Benefit Cancer Plan...Issue ages 0-69.

Pays maximum benefit amount in cash as listed in the policy schedule up to $50,000 for written satisfactory proof of a first-time diagnosis of internal cancer or malignant melanoma. Benefit can be used for anything - income while not working, travel expenses, at-home care, experimental treatment or whatever is needed. Pays in addition to other coverage. Available for individual, single parent, or family coverage.

HealthGuard (CILS)… Issue ages 18-64.

The plan is critical illness protection which pays a lump sum benefit directly to the policyholder upon written satisfactory proof of first diagnosis. Covered illnesses include: Major Organ Transplant, Heart Attack, Stroke, Total Loss of Eyesight, Total Loss of Hearing, and End Stage Renal Failure. Benefits are available in $10,000 increments, ranging from $10,000 to $50,000. Benefit amounts reduce by 50 percent at age 65. Individual and spouse coverage available.

ProCare® Medicare Supplement Plans... featuring the High Deductible Plan F (HDF). The HDF is a Medicare Supplement Plan F policy that provides all the features and benefits of a standard Plan F, but at a substantially lower premium. The difference is a calendar-year deductible. The amount of the calendar-year deductible for 2018, is $2,240. (Set by the federal government) Why does an HDF policy make great sense? U A’s Company statistics show the majority of their Plan F policyholders have annual claims well below the current deductible amount of $2,240. In fact, Company statistics show that 80% of policyholders ages 65-67 had annual claims averaging $524. If your clients anticipate few claims or small claims, an HDF policy may be the right choice!

After all, why pay premiums for claims they may never have?

10-Year-UL10-20 Renewable Term

Issue ages: 0-60

10-Year Term to Annual Renewable Term (ART)-UL10-20

Issue ages: 20-70

20-Year Term to Annual Renewable Term (ART)

UL10-20 Issue ages: 20-60

Here’s a quick glance at the easy sell United American products:

Fundamental Life Series II offers Term Life options from $25,000 to $500,000.

Terminal Illness Accelerated Benefit Rider (ABR1) automatically included, at no cost

Final Expense Whole Life Final Expense Whole Life Insurance with Individual, Graded Benefit (Sub-standard), and Level Benefit (Sub-standard) coverage from $1,000 to $25,000. Permanent lifetime coverage that accumulates cash and loan value. Terminal Illness Accelerated Benefit Rider (ABR1) automatically included, at no cost

Juvenile Whole Life Juvenile Whole Life Insurance with Individual coverage from $1,000 to $25,000. Permanent lifetime coverage that accu-mulates cash and loan value. Terminal Illness Accelerated Benefit Rider (ABR1) automatically included, at no cost

(where state approved).(Not Available in: Montana and Washington)

Reserve Fund Annuity...A flexible premium deferred annuity

A flexible premium deferred annuity, to assist policyholders with accumulating funds needed to meet their health insur-ance calendar year deductible or co‑payment amount by authorizing United American to draft the deductible or co‑-payment amount from the annuity. No fees or penalty charges for withdrawal of funds. Interest rate is guaranteed to never be less than 3%. This is a non-qualified annuity. Issue ages 65-90 (65-86 in OK).

UA-250 Accident Compensation Plan ...Issue ages 0-63. Guaranteed Renewable for Life!

Pays cash benefits for accidental injury. Choose from a lump sum payment of up to $10,000 per accident or a hospital

cash benefit of up to $6,250. Also includes an Accidental Death Benefit which pays $10,000 instead of all other benefits

(or $10,000 minus any previously paid benefit) to chosen beneficiary.



Volume 23, Issue 1



Have you checked the United American Agent Page? https://unitedamerican.com/logon/

Now you have access to UA General Agency Office”. The UA Agent website through the UAOnline portal! Use this website to keep up-to-date with the latest products, training, advertising materials. Access to e-applications. (E-app requires UA certification training)

Order United American Supplies from UAOnline

Note: The Shipping address will default to the Farm and Ranch Home Office. You will need to change the shipping address to your to your preferred shipping address each time your order supplies.

No Guessing... you receive a confirmation e-mail after each supply order submission.

https://unitedamerican.com/logon/

Volume 23, Issue 1



Volume 23, Issue 1



Join United American at Caesars Palace in Fabulous Las Vegas,

Nevada June 18-21, 2019. Staying on the Las Vegas Strip in the

center of the action is a fabulous reason to attend

the Convention 2019!

Convention Qualifications for 2019

There are two ways to qualify for Convention 2019: By meeting production qualifications or by issuing 100 or more non-disability ProCare Medicare Supplement insurance plans as personal production during the 2018 convention qualification period.

Have you checked the video on your United American Agent Page? https://unitedamerican.com/logon/

*Agents contracting after February 1, 2018 will be on a prorated basis, reducing

the qualification period by one or more months, depending on their contract

date. As a result, the amount of required production also is reduced. Example:

contract in February and the Writing Agent life/health requirement is 11 months

or $137,500 of combined NAIP; $12,500 combined NAIP monthly average. Example:

contract in March and the Writing Agent life/health requirement is 10 months or

$125,000 of combined NAIP; $12,500 combined NAIP monthly average. Minimum

NAIP for a Writing Agent who contracts in July is six months or $75,000 combined

NAIP. Agents must be contracted and produce at a six-month minimum

production level to be eligible for Convention.

https://unitedamerican.com/logon/

Volume 23, Issue 1

Here are some highlights of the opportunities with National General Insurance Company:

National General Foundation Health… Fixed-Benefit Indemnity Plan offers predictable and affordable access to health

care...An permanent alternative option for health care insurance.

NGIC Short Term Medical Product with a guaranteed issue option – both available with the Aetna Open Choice PPO Network

Term Medical insurance It provides the financial protection you need from unexpected medical bills and other health care expenses. Effective 10-2-18 STM Term Changes Check state specific details.

NGIC Supplemental portfolio:

Hospital Expense Protection-Provides set, cash benefits that help you pay for out-of-pocket costs due to a hospital stay.

These benefits pay on top of any other coverage you may have Has no network restrictions. HEP pays you directly — use the cash benefits in any way you need. Multiple plan designs, including options with benefits for doctor visits and laboratory costs

TrioMed- AME/C.I./Accidental Death Combo Plan

Accident Fixed-Benefit

The Accident Fixed-Benefit plan pays cash benefits when injuries, medical treatment or death result from an accident. Two base-policy options are available. Off the Job Accident Fixed-Benefit, or 24-Hour Accident Fixed-Benefit

Plan Enhancer/Accident Medical Expense

Maximum benefit $2,000 - $10,000 per accident-Deductible per accident ...$250

Covered accidents per calendar year…No limit

Optional rider for Cancer Heart and Stroke. Lump sum benefit for first ever Cancer diagnosis and covered Heart Attack

or stroke. Pays regardless of other coverage.

Optional Sickness Hospitalization rider Lump Sum Benefit paid on first covered day of hospital admission…

Sickness Hospitalization rider not available with $7,500 and $10,000 benefit levels. Some states Sickness Rider $ 7900 benefit available. Check state specific details.

Term Life / Critical Illness-AL, AR,AZ,CO,GA,DC,FL,IL, IA, ID, ME, MI, MO, MS,NC, ND, NE,

NM, OK, SC, SD, TN,TX, WI, WV and WY

Protection for Critical Illness and Term Life coverage in one plan Upon a qualifying illness, you receive a critical illness

benefit; they choose how to use the money! The benefits are paid directly to the client or beneficiary!!!

Critical Illness — 10 year Term Life Benefit $25,000, $30,000, $50,000, $75,000 and $100,000

15 Covered Conditions on C.I Benefit ( Note:4 conditions have partial benefits)

Issue ages 18-60 (Check state specific details.)

Life —Term Life AK, IN, KY, LA, MD, NH, NV, OR, UT, and VA

10 year Term Life Benefit -Benefit options: $25,000, $30,000, $50,000, $75,000 and $100,000

Issue ages-18-64

Cancer, Heart, Stroke

Supplemental Coverage plan that pays your client cash at the first diagnosis of cancer and/or a heart attack or stroke.

Simple-Pays a lump-sum cash benefit for life-threatening cancer and heart attack or stroke

Use the money however you wish — to seek treatment, replace lost income or pay household bills

Dental Indemnity

Supplemental Coverage plan that pays your client cash for dental both preventive care and treatment.

3 levels of affordable coverage to choose from: BASIC - INTERMEDIATE - PLUS

In most states, apply for coverage through age 70 and renew up to age 75. (Apply through age 64 and renew up to age 70 in CO, MA, MD, NC, NJ, OH, OR, SD and UT.)

Dental PPO Products

3 levels of affordable coverage to choose from: Essentials - Essentials Plus - Enhanced

Careington Maximum Care Dental Network

Issue Ages 18 to age 74 ( thru 74) Renewable to age 85

Pricing bands 18 to 65 ( compared to most competitors age 64) and then 66+

Currently approved – AL , AR, AZ, DC, FL, ID, MA, MI, NV, OK, PA, SC, TX, WY

Sell All National General Products from one “Quotit” platform!



Volume 23, Issue 1



Where to find information on National General Accident and Health... This is the National General-Informational Site National General has a tool for agents to use. Product forms and details can be found at:

https://ngah-ngic.com/agent.php

You can download supplies, brochures and access the Product Guide and State availability.

Remember National General is all Electronic ...Brochures ...Quoting and Applications! Using National General’s quoting and submission from your personalized “Quotit “ Tool Quote and enroll page. Watch this video tutorial “New NatGen Coverage Builder Tutorial” at www.farhc.com

Insurance Professionals– (Password: f&rsales) - Carrier Forms and Resources -National General

https://ngah-ngic.com/agent.php

http://www.farhc.com

Volume 23, Issue 1



ALL DETAILS OF THIS DOCUMENT ARE SUBJECT TO CHANGE.

For agent use only. Not to be distributed to consumers. National General Accident & Health markets products underwritten by Time Insurance Company, National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation. National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation have all been rated as “A-” (Excellent) by A.M. Best.

NGAH-STMSTATEDETAILS (Rev. 12/07/2018) © 2018 National General Insurance. All rights reserved.

Volume 23, Issue 1



National General Product State Availability Chart State:

1 Cancer and Heart/Stroke rider not available; 2 Sickness Hospitalization rider not available; 3 Underwriting company

varies by state; 4 STM coinsurance max out-of-pocket amount $5,000 – effective 10/3/2018; 5 No riders available; For agent use only. Not to be distributed to consumers. National General Accident & Health markets products underwritten by Time Insurance Company,

National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation. National Health Insurance Company, Integon

National Insurance Company, and Integon Indemnity Corporation have all been rated as “A-” (Excellent) by A.M. Best.

Volume 23, Issue 1

Voice Leads

Voice Leads are available by

Telephone area code using various scripts on different

products:

Life( Final Expense)

Mortgage Protection (Life)

Medicare Supplement

“SELL EM SUMPTHIN”

Get ‘em the information...Get ‘em the updates…

Just get an appointment to have a "Conversation” ... Opportunity to make income!!!

You determine with the client what they need when you get there. Everything prior to that is just setting up the opportunity to talk.

Then it’s your job to “sell sumpthin”. Most folks have “gaps” in their insurance coverage. Our job is to show how one of our products will fill those “gaps”. That’s how we make money!!!

If you believe in your product portfolio selling “ sumpthin” is easy! You just have to be there!!!



Work a Lead with Focus!!! Agents tell us that they are unable to meet with a client because the client has _ . A number of things could be

inserted here:

Our Question is…WHAT DOES IT MATTER??? Do they have a Heartland with access to Telemedicine?

Do they have a Cash Cancer that pays even if the Cancer is

NOT life threatening? Do they have an Accidental Death Plan that pays up to ONE

MILLION DOLLARS?

DO THEY HAVE A FRIEND WHO YOU CAN HELP?

The MOST IMPORTANT QUESTION IS…DO THEY HAVE A

POLICY FROM YOU?

REMEMBER...THE INSURANCE BUYING DECISION IS AN

EMOTIONAL DECISION!

EVERY LEAD YOU RECEIVE IS An opportunity to tell your story to a

NEW prospect.

Creating multiple “conversations” opportunities from every lead is a

“must do” for success. There are various ways to do this, the easiest

is referrals! If you ask every time you’ll receive referrals!

LEADS ARE FOR CLOSERS!

They have CANCER

They have Obamacare

They have “All the Life

Insurance they can afford“

They have Blue Cross

They have “A Medicare

Advantage“

Remember, the purpose of ALL leads is to give the agent an

opportunity to do “Fact Finding”. This helps insure that each

client is given an opportunity to try to determine which plan

or plans will best suite their family.

Referrals—Referrals—Referrals!! The key to success is that

you receive at least 5 referrals at each appointment!

If you receive leads from the

ADI Telemarketing the script

they are using now is:

Hello Mr / Mrs .................. This is .............

calling you today for Red Steagall and our dear

friends at the Heartland ... Today I have

excellent news , GUARANTEED ISSUE GROUP

LIFE INSURANCE HAS RECENTLY BEEN

EXTENDED TO COVER ALL PRINCIPLE

MEMBERS UP TO AGE 70 and Its

GUARANTEED CONVERTIBLE ! So you may

never have to worry about your Life Insurance

needs again FOR THE REST OF YOUR LIFE!

YOU CANNOT BE TURNED DOWN and Rates

will never go up !!

Your Area Heartland Representative (Agents

Name) will be in your area in the near future

sharing information about the many Life Saving

benefits that Heartland Members enjoy.

Please expect his / her call ...Just tell em Old

Red sent ya !!

Thank You and God Bless

Volume 23, Issue 1

Effective (12/17/18 Turn-In)

IMPORTANT REMINDER

The Leads provided to you by Farm & Ranch Healthcare , Inc. are , and remain , the exclusive property of Farm & Ranch Healthcare, Inc. Any attempt to persuade a Farm & Ranch provided client lead to purchase an insurance product not expressly approved , in advance , by Farm & Ranch is considered a direct violation of your contract and may be cause for termination. It is further understood that any attempt to persuade a client who is a current policyholder of Farm & Ranch to change to a policy underwritten by a company not approved by Farm & Ranch is a direct violation of your contract and may result in termination of your contract and any renewal income generated as a result of that contract. Remember: Honesty is the best policy ... Your adherence to these prudent business guidelines is sincerely appreciated. In order to be eligible to participate in the tremendous incentive of the Farm & Ranch FREE Lead Program, you must choose to participate in the short weekly conference call on Monday mornings at 10:00 cdt. Thank You, Management.

We must maintain a minimum of 1 insurance sale

for every 10 leads closing(10%) ratio on the

F & R Elite Leads

And/or 2% on Select Leads distributed.

This closing ratio is calculated by total

year –to–date Elite leads received &

“SOLD” commissionable applications

received for 2018.

ATTENTION !!!!

GET YOUR LEAD CREDIT FOR YOUR

SOLD LEADS !

~~~~~~~~~~~~~

It is very important you

receive credit for

EVERY SOLD LEAD!

Because we identify a SOLD

lead by the phone number on the lead, it is imperative that

you list the lead phone number on your turn in sheet!!

This number can be entered in the Work/Alternate phone

number space. If for some

reason this is not possible

PLEASE EMAIL Marty!

We want to ensure that resources are being directed to agents that are able to convert the Elite leads. Our goal each week is to put a minimum of fifteen fresh, hot leads into the hands of each and every agent who is converting these leads into sales and commission $$$. Elite leads will be awarded as follows:

1 Elite Lead per $1,000 A.V.

(Short Term Medical A.V. Does Not Qualify)

Life Insurance Premium earns double credit for lead

qualification. i.e. $1,000 of Life AV gets you 2 leads!

5 Elite Lead per Heartland sale!

ALL “ Select “ Leads Sold will qualify for (5) Elite leads

Must participate in the Monday Marketing Conference Call (10:00 AM cdt)

Minimum $1,000 AV to qualify

Max 20 Elite Leads

Select Leads matched 1 to 1 to Elite Leads (where available)

Remember: Additional Select Leads available upon request!



Volume 23, Issue 1 · Life A.V. Health A.V. Russell Lavender FL $ 1,328 Mark Simpkins OH $ 6,307...

Documents

Transcript of Volume 23, Issue 1 · Life A.V. Health A.V. Russell Lavender FL $ 1,328 Mark Simpkins OH $ 6,307...