The news and ideas magazine for the Independent Agents of United

The news and ideas magazine for the Independent Agents of United American and First United American Life Insurance Companies
SETTING THE RECORD STRAIGHT
EDITOR
Gay Falkowski
CREATIVE LEAD
John Begg
EMAIL
[email protected]
to update information for Summit or
to submit news for the Editor’s page.
HOME OFFICE
972-529-5085
N E W!
FIRST UA
315-451-7975
(Agent use only)
AGENT SERVICE CENTER
800-925-7355 or email
[email protected]
WEBSITES
unitedamerican.com
unitedamerican.com/logon
firstunitedamerican.com
firstunitedamerican.com/office
Although Medicare Supplement policies will cease
covering the Medicare Part B deductible for those
enrolling in Medicare on or after January 1, 2020, state
insurance departments have reported that some Agents
have begun telling policyholders they will be losing
their plans now. To correct this misconception, several
states have issued Bulletins or Consumer Alerts (see
Florida Consumer Alert below).
To help with any confusion surrounding the
Congressional changes to Medicare Supplement that
will be implemented in January 2020, here are the facts:
yy Effective January 1, 2020, Medicare Supplement
plans that include the Part B Deductible will no
longer be available.
yy Effective January 1, 2020, Agents will be prohibited
from selling Medicare Supplement plans that cover
the Part B Deductible.
yy The prohibitions will apply only to those who
become enrolled in Medicare and want to
get a Medicare Supplement policy on or after
January 1, 2020.
yy Current policyholders, and those enrolling in
Medicare prior to January 1, 2020, will not be
affected by this change, and do not need to replace
their policy to retain their benefits.
FLORIDA CONSUMER ALERT
TALLAHASSE, Fla. – The Florida Office of Insurance
Regulation (office) wants to remind Medicare
recipients with an existing Medigap Plan C or F that
they can keep their plan. Consumers may have heard
about congressional changes in the Medicare Access
CHIP Reauthorization Act (MACRA) of 2015, which
only applies to newly eligible Medicare beneficiaries
and prohibits the sale, renewal, or retention of these
plans starting in 2020. However, these changes
do not prohibit the sale of Medigap Plans C or F
to people who were already eligible or enrolled in
Medicare before 2020; therefore, current enrollees
do not need to replace their Medigap Plan C or F and
may keep it as long as they maintain eligibility and
remain enrolled in the plan.
Published regularly by
United American and First
United American Life Insurance
Companies 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.
2
FINAL EXPENSE AND JUVENILE
WHOLE LIFE RATE CARD UPDATES
Effective immediately, United American and First United
American will offer ‘Money Purchase’ rates as well as
face amount rates on its Final Expense Whole Life and
Juvenile Whole Life rate cards.
Premium calculators have also been updated to show
‘Money Purchase’ rates.
Updated rate cards and premium calculators can be
found on your State Compliance sheet, in states where
product is approved.
JANUARY 2016  MADP 2016 SEASON FINALE
ANOTHER MEDICARE ADVANTAGE
WITHDRAW IN NEW YORK
Effective Jan. 1, 2016, Touchstone Health HMO, Inc.
in New York will no longer be offering coverage of
Medicare Advantage benefits in the following service
areas: Bronx, Queens, Kings, Richmond, New York,
Westchester, and Orange counties. Approximately
10,000 Touchstone Health HMO enrollees have the
opportunity to return to Original Medicare and could
be in the market for a quality First United American
Medicare Supplement plan. CMS requires MA
organizations to send a letter of termination notifying
affected customers when their plan will end.
This is a great opportunity for Agents in New York to
‘light the way’ to a First UA Medicare Supplement policy
for seniors who choose to return to Original Medicare
for their healthcare needs.
As a reminder, First United American requires the
following when submitting a Medicare Supplement
application on those affected by the termination of a
MA plan.
yy For applicants involuntarily dis-enrolled from
their prior coverage a copy of their termination
letter is required. Remind prospects not to discard
notification letters regarding termination.
yy For affected applicants who no longer have their
termination notification letter, a copy of their
Medicare Advantage ID card is required with
a statement that the termination notification
letter is no longer available.
yy A letter of intent is not accepted for
involuntary terminations.
To ensure applications do not pend, applications
must have the above stated document/s and
must state whether they were voluntarily or
involuntarily disenrolled.
LIFESTYLE ANNUITY RATE
The lifestyle annuity rate for December 2015 is 3.00%.
We are not approved to sell the SPDA product in
CO or NY.
WORDS OF WISDOM
“Though no one can go back and make a
brand new start, anyone can start from now
and make a brand new ending.”
~Carl Bard
MADP SEASON FINALE … WHAT HAPPENS IS UP TO YOU
I don’t watch much television, but when
I do, I really enjoy shows with interesting
characters, plot twists, plenty of
suspense, and of course, happy endings.
I like the good guys to win, the bad
guys to get what’s coming to them, and
for everyone else to resolve whatever
problems they’ve been struggling with
all season.
I like real-life scenarios to end that
way, too. The good thing about the
storylines that make up our day-today lives is that they are largely in our
control, dictated by our choices: the
people we surround ourselves with, the
work we do, whether we go the extra
mile, the decision to help others in need
of guidance and support. Every single
day we write our own scripts with the
choices we make.
IT’S ALMOST
A WRAP
In these final weeks of the 2016
Medicare Advantage Disenrollment
Period (MADP), which ends on Feb.
14th, it’s important to remember that
it’s up to you to decide how your MADP
season will end.
Are you a ‘Survivor’? It’s not too late to
‘Get Smart’ and find new ways to reach
the thousands of Seniors who can be
helped with a UA ProCare Medicare
Supplement Insurance Policy. Get out of
‘The Office’ and follow every lead like a
‘True Detective’.
Today’s ‘Modern Family’ is multigenerational, providing lots of
opportunity to spinoff from your
Medicare Supplement presentation and
to introduce another great UA product.
Your career will never be in ‘Jeopardy’
when you’re always prepared with a full
portfolio of UA products.
SPOILER ALERT!
I’m not naming any names, but early
results show that 2016 MADP will be a
phenomenal selling season for many of
our Agents. One reason for this, other
than plain old hard work, is that the
changing landscape of healthcare in
this country is creating an incredible
opportunity for the Agent who
becomes a trusted guide to clients.
stop your story.” I agree, and as we make
our way through the next few weeks
leading up to our MADP season finale
on Feb. 14th, my advice is simple: Don’t
stop your story until the very end.
And when it’s over, we’ll celebrate your
finest MADP season yet. ‘Cheers.’
In the last few months, several
healthcare companies throughout the
country have announced that after
2015, they’ll no longer offer Medicare
Advantage plans, leaving thousands
of beneficiaries to decide whether to
return to Original Medicare or choose
a Medicare Advantage plan from a
different company.
It’s a big cliffhanger, isn’t it?
IN CONCLUSION
There’s still plenty of time left in MADP
for you to find Seniors who want and
need the insight and advice of a great
Agent to help them choose a Medicare
Supplement Insurance plan that’s right
for them. But remember, it doesn’t
have to be a ‘one-man’ show. The UA
Home Office staff is always hard at work,
providing support, direction, and all the
tools you need to hit your marks.
The great American actor Orson Welles
once said, “If you want a happy ending,
that depends, of course, on where you
Charles Mankamyer
Senior Vice President / General Agents
MADP 2016 SEASON FINALE  JANUARY 2016
 3
WELCOME TO
UNITED AMERICAN
Coulter, Jeffrey
Crudup, Warren
Albert, Arthur
Cummard, Stephen
Albert, Carson
Curty, Eugene
Aldridge, David
Cuthrell, Richard
Alwin, Michael
Davis, Albert
Anderson, Robert
Debice, Carnie
Apolenis, Mark
Deptula, Alan
Aquino, Mehemias
Diaz, Samuel
Arnold, John
Dobscha, Herman
Asher, Norman
Donato, John
Austin, Roger
Douglas, Shelena
Ayad, Malak
Dragan, Daniel
Bahama Financial Groups, Inc.
Dumas, Albert
Ballard, Donna
Duplantier, Bryan
Barker, Bill
Easley, Vivian
Barksdale, Johnathan
Elkhatib, Mahmoud
Barnes, Terrizard
Ellis, Roger
Bartlett, Robert
Ellis, Walter
Becker, Stephen
Epstein, Ronald
Becker, Wayne
Evenson, Robert
Bello, Andrew
Faberman, Burton
Bermudez, Edward
Family Life Ins Group, LLC
Bertrami, Nat
Fernandez, Rafael
Betters, Nathan
Filloramo, James
Biede, Duane
Fischer, Daniel
Bigwood, Stephanie
Foster, Angela
Bill & Sheila Gaylor Ins
Fox, Dennis
Profs, Pa
Freedman, Michael
Bindzi, Gertrude
Gallardo, Tony
Bishop, Dennis
Gathitu, Anthony
Blackwelder, Robert
Gentry, Marvin
Blankenship, Matthew
Godwin, Isaiah
Blass, August
Goff, Richard
Bolivar, Jamie
Gomez, Madikay
Booth, Kenneth
Gonsier, Elizabeth
Booth, Mabel
Graciano, Windy
Booth, Symmantha
Gray, Jacqueline
Bradbury, David
Greenhalgh, William
Bridgeforth, Henry
Griffin, Macoy
Broderick, Brenda
Griffin, Steven
Brown, Ernest
Grizzle, Carl
Brown, Peter
Grow, Blaine
Bryan, Glenford
Grundman, Robert
Bryant, Nz Jr.
Gusky, Steven
Buckson, Vanessa
Haddad, Raid
Bullock, Don
Hagan, Dennis
Burton, David
Hahn, Nicole
Butcher, Ronald
Halonen, Matthew
Byas, Paulette
Halterman, Gerald
Cagle, Christine
Harrielal, Andre
Campbell, Romie
Harris, Conrad
Carlton, Christine
Hartman, Anthony
Carra, Stanley
Harvey, Debra
Carrithers, Joanne
Hawkins, Andre
Cawley, Timothy
Heethuis, Dennis
Cervenka, Thomas
Hegemann, Shawn
Chagani, Amin
Helgeson, Michael
Chinski, Henry
Hernandez, Deborah
Clark, David
Hill, Wendy
Clarke, Audley
Hirschman, Jayme
Cloyd, Audrey
Hite, Mark
Cook, Rowan
Hoath, Leonard
Cooper, Deborah
Hoffman, Donald
4
Holden, Monica
Hollaway, Steven
Hood, Robin
Horst, Susan
Howard, Esther
Howard, Franklyn
Howard, Michael
Jackson, Andre
Jackson, Barbara
Jackson, Trixine
James, Paul
Jean-Francois, Marcelle
Jetter, Matthew
Johnson, Rodell
Johnston, James
Karpinski, Jed
Kelsey, Keith
Kidd, Tiffany
King, James
King, Terrance
Kirkendall, Stephen
Kirkpatrick, David
Koelbl, Jack
Komarek, Scott
Kostrewa, Michael
Kylen, Patrick
Lakatos, Peter
Larson, Pamela
Ldj American Online
Benefits, LLC
Lehner, Paul
Lessard, Allan
Levenson, Irwin
Light, Randy
Lipski, Joseph
Lockie, Richard
Long, Angela
Loscialpo, Renata
Louis, Emmanuel
Lowe, Elizabeth
Lunsford, Scott
MacAraeg, Augusto
MacKenzie, Glen
MacKrell, Frederick
Martindale, Terrie
Matenaer, Kirk
Matheny, Walter
McAllister, Stephen
McCune, Cory
McDonald, Andrea
McElveen, Willie
McIntosh, Charles
McIntosh, Wayne
McKenzie, David
McMillan, Sheila
Merideth, Blondene
Merriner, Ronald
Miano, Gary
Miller, Sharron
Mollison, Ransford
Mompoint, Alex
Moody-Staley, Vera
Moore, Marcus
Moorehead, Jerry
JANUARY 2016  MADP 2016 SEASON FINALE
Morales Jr., Emilio
Mossucco, Frank
Murphy, Steve
Natesan, Murugesan
Nedd, Isaac
Nemeth, Eugene
Nestor, John
Neville, Nelson Jr.
Nhaway, Tywanya
Nielsen, Kent
Norman, Marsha
Norris, Elizabeth
Norris, Wesley
Norrito, John
Novotny, Jerry
O’Dell, Ronald
Olivares, Jose
Olson, Craig
Parker, Stephanie
Partain, Teresa
Paterson, Robert
Patterson, Jadde
Paul, Dayan
Penalba, Louie
Perkins & Assoc Ins Srvc
Perry, Tanya
Planning Advisors, LLC
Porter, Lee Jr.
Powers, Gretchen
Price, Lawrence
Price, Steven
Prince, Patrick
Prude, Priscilla
Puertas, Nestor
Rabin, Bruce
Reyes, Renato
Rhoades, Aaron
Rhoden, Kenneth
Richardson, James
Richmond, Rhonda
Riggs, Todd
Riley, Janet
Roberts, David
Roberts, Edwin
Robertson, Matthew
Robinson, Nathan
Rojas, Jaime
Romano, Michael
Rosiere, Louis
Ruby, Laurie
Rullman, Elmer III
Saddler, Michael
Sanchez, Susan
Sanchione, Frank
Sandhaus, Brian
Sarant, Nicholas
Savvides, Thomas
Scalia, Robert
Schapper, Dan
Schollmeyer, Henry
Scruggs, Percinda
Sellinger, Donald
Shamblin, Kenneth
Shearrer Ins Srvcs, Inc.
Shells, Wanda
Sinclair, Kristin
Smith, Boyd
Smith, Geoffrey
Smith, Joan
Smith, Lanysia
Smith, Paul
Snouffer, Daniel
Spagat, Fred
Spatafore, Louis
St. Philip, Henry
Stang, Bradley
Stinson, Jerald
Stratton, William
Szekely, Timothy
Tanelus, Elie
Tender, Dennis
Terry, Roslynn
Thomas, Ri’Shard
Thompson, Phyllis
Thompson, Troy
Thurman, Dean
Tidland, Lynn
Trevino, Marina
Turner, Donald
Tyre, Matthew
Uguru, Paulinus
Usher, Jerry
Vasquez, Francisco
Vogel, Roy
Wagner, Edgar
Ward, Bernard
Warner, David
Watkins, Ronald Sr.
West, Jimmy
Williams, Lenrico
Wilson, Charles
Wilson, Timothy
Witherspoon, Ellynne
Wootton, James
Wright, Robert
Wright, Harry Jr.
FIRST UNITED
AMERICAN
Ackerman, William
Agarwal, Satya
Ashurova, Zumrud
Barcus, Dawn
Bianchi, Natalie
Bianchi, William
Button, Eric
Cannan, Thomas
Cannon, Kevin
Clay, Nicholas
Colangelo, Ronald
Cone, Glen
Del Toro, Gwendolyn
Dixon, Andrew
Dornan, Robert
Ficarro, Elizabeth
Filoramo, Michael
Fischer, Matthew
Forte, Carl
Giordano, Paul
Goldberg, David
Grajeda, Hugo
Hughes, Thomas
Jerkovic, Petra
Jones, Alexandra
Kim, Jinil
Koenig, Neil
Lentricchia, August
Lourdas, Konstantinos
Mezzio, Robert
Miller, Hugh
Morse, Robert
Newman, Richard
Papagni, Mark
Penn Brokerage, LLC
Polizzi, Stephen
Rossano, Jennifer
Schulman, Michael
Scott, Edward Jr.
Simmons, Marc
Stover, Jack III
Thompson, Peter
Titolo, John
Tong, Jean
Turcio, Joseph
Welch, Rickie
Williams, Russell
ON LOCATION
IN DALLAS WITH THE
AEP INCENTIVE CONTEST GRAND PRIZE WINNER
Talk about a surprise ending! When the
contest’s top performer couldn’t accept
the prize due to a scheduling conflict, the
honor went to Tom Payant. Tom and his
wife, Robyn, flew from their home state
of Florida to Dallas, where they enjoyed
a December weekend of football, fine
dining, and sightseeing with their host,
Senior Vice President Charles Mankamyer.
“
What an awesome time we had in Dallas
with Chuck! Everything was first class!
Chuck treated us like royalty throughout the
weekend. It was an experience of a lifetime!
The weekend began when the limo picked
us up at the airport on Friday. Chuck met us
at the hotel and we were taken to the Ritz
Carlton, where we had a wonderful dinner
with wonderful company.
On Saturday we spent the day with Chuck
touring downtown Dallas. We went to
a beautiful restaurant called the Savoy
Restaurant in the heart of Dallas. After lunch
we spent time visiting the open park and
enjoying a crisp sunny afternoon before the
limo picked us up for the big game.
We had so much fun! The Dallas Cowboys
game was fantastic, as we were sitting on
the 50 yard line! The stadium was beyond
overwhelming!
Thank you for such a great weekend, and to
top it off, it was Robyn's 60th birthday! She
will always remember where she was and
who she was with on her 60th birthday.
Chuck showed he really cared, and before the
weekend was up, we were best friends for life.
Thank you for the time of our life!
”
ROBYN AND TOM PAYANT
MADP 2016 SEASON FINALE  JANUARY 2016
 5
SYNOPSIS:
The end of the Medicare Advantage
Disenrollment Period is fast approaching
(Feb. 14) and the healthcare needs of
thousands of Seniors hang in the balance.
How will they choose their provider? Will they
select another Medicare Advantage plan or
return to Original Medicare and a Medicare
Supplement Insurance policy? Will UA and
First UA Agents find them in time to show
them all the great ways a ProCare Medicare
Supplement policy can meet their needs?
Agents, only you can decide how MADP 2016
will end for you and the Seniors you serve. But,
remember, the Home Office staff is standing by
like a great supporting cast as you take the lead
in making this MADP a season to remember. Use
the following closing suggestions to help bring
each case to a successful conclusion.
2016 SEASON FINALE
Closing is where your job starts. Don’t fall
apart at this point asking questions such as,
“Well, what do you think?” You’re asking for a
contract, not an opinion.
EXAMPLE OF A GOOD CLOSING SCENARIO:*
When quoting cost, two or three options are best.
1 It empowers your prospect (It's their choice)
2 It removes the no. (One option is a choice…..
yes or no)
3 It allows the client to think how much they may
need (instead of whether they need it or not)
So, you’ve just shown your prospects plans F and
HDF. After you finish your presentation you say:
“And, the nice thing is the cost. Give me a
moment to prepare that for you.”
As you look up rates, make small talk. Silence can
be deadly. Write out the two plans showing the
monthly premium.
“For you and your spouse the entire cost is …
(show them the two plans as you’ve written them
out.) That’s it! After seeing the many benefits of
our Medicare Supplement Insurance, which plan
would you prefer?”
Break eye contact, look at the quotes, nod in the
affirmative, and wait. Stay closed. Remember, the
person who speaks first usually determines the
outcome of the sale. Once they’ve made a choice
it’s time to…
*THIS GUIDE PROVIDES TIPS FOR SUCCESS. AS AN AGENT, YOU ARE NOT REQUIRED TO FOLLOW THESE STEPS AND MAY FIND OTHER
SALES METHODS THAT WORK FOR YOU.
6
JANUARY 2016  MADP 2016 SEASON FINALE
SOLIDIFY THE SALE
BUTTON UP THE SALE
Review the application with your client.
Seeing all their information on it gives them
ownership. Taking time to review on the
spot can save you dollars later. It helps:
Then ask them to okay it as you show
them where to sign. Remember, using the
iGO e-App® streamlines this process and
makes the sign-off easy – just hit ‘send’!
Next you’ll want to ask. “Would you like to
take care of this monthly or annually?”
yyWith app completion
yyReduce app errors
yyIssue time and percentages
yyWhen reviewing the application, end
Congratulations, you just successfully closed
a sale! But wait, your job here isn’t done.
Now, pivot to another great UA product …
with the beneficiary
In Maine and California, cross-selling of other products with
Medicare Supplement Insurance policies at the same time is
not permitted; a second visit is required.
MADP 2016 SEASON FINALE  JANUARY 2016
 7
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MADP 2016 SEASON FINALE  JANUARY 2016
 9
Jon Ahlbum
The Ahlbum Insurance
Group, Inc.
$4,874,491
2
3
4
5
10 
Mike Lemar
Sunshine State Agency
$2,073,434
William Borosak Jr.
Secure Financial
Group, LLC
$1,919,076
Tim Ahlbum
Health Coverage
Solutions
$1,484,174
PRESIDENT'S CLUB
PACESETTERS CLUB
Through December 2015, these top producing General Agents and
Agencies have the highest net combined annualized premium.
Through December 2015, these top producing Writing
Agents have the highest net combined annualized premium.
1
1
Catherine Hatton
Long Island Insurance
Solutions
$2,757,983
YTD
PRODUCTION
YTD
PRODUCTION
Ray Stevens
Stevens & Associates
Insurance Agency, Inc.
$1,344,671
LIFE
2015 EAGLES
Eagles Club is an elite group of Agency leaders representing
the best of United American and First United American.
Through December 2015, these top
producing General Agents and Agencies have
the highest net life annualized premium.
AGENCY
Stephen Maisto
Senior Health Solutions
$1,289,892
1
Paul Sheldon, CLU, ChFC
$822,079
AmeriLife
$1,189,557
2
Stephen Maisto
$584,629
1
2
1
Devin Barta
Barta Insurance Agency
$1,055,395
TOP 30 LIFE
GENERAL AGENTS
AGENT NAME
AGENT NAME
Edward Shackelford
The Assurance Group, Inc.
$1,266,243
Ron Concklin
Rosenberg-Concklin, Inc.
$1,016,702
Scott Mednick
Professional Insurance
Systems of Florida
$845,541
TOP 30 LIFE
WRITING AGENTS
Through December 2015, these top
producing Writing Agents have the
highest net life annualized premium.
AGENT NAME
AGENT NAME
AGENCY
Sheldon Reid
Reid Insurance Agency
1 Bryan McGhee
3
Paul Sheldon, CLU, ChFC
Paul Sheldon Insurance & Benefits Planning
$822,079
3
Tim Ahlbum
$569,154
2
Ensurity Group, Inc.
2 Owen Metts
4
Kerry Sachs
Secure Retirement Solutions, Inc.
$724,461
4
Kerry Sachs
$378,160
3
AmeriLife
3 Glen Doernberg
5
Donna Ahlbum
Ahlbum Insurance Agency
$722,979
5
Scott Schwartz
$376,080
4
Owen Metts
Metts Insurance Agency
4 John Barberan
6
Robert Wroblewski
SOS Insurance Group
$684,299
6
Russell Keil
$323,640
5
Glen Doernberg
Doernberg Insurance Agency
5 Grace Evans
7
John Clark
Senior Solutions Insurance Agency
$664,356
7
Jason Stevens
$315,590
6
John Barberan
Barberan Insurance Agency
6 Mike Reddy, CLU, LUTCF
8
Christopher Graham, CLU
Graham Financial Group, Inc.
$536,701
8
Ray Stevens
$313,142
7
Mike Reddy, CLU, LUTCF
The Reddy Senior Insurance Group
7 Rose Marie Rey
9
Long Island Health Plans, Inc.
$535,790
9
Richard Bowes
$312,036
8
Rose Marie Rey
Rey Insurance Agency
8 Arline Loux
10 Lisa Rosati
Rosati Insurance Agency
$524,354
10 Lisa Rosati
$298,213
9
Loren Olguin
Olguin Insurance Agency
9 Shamseldin Omar
11
Senior Services of North America, Inc.
$437,792
11 Devin Barta
$290,395
10 Vincent Abbatiello
Mainstay Retirement Solutions
10 David Miller
11 Henry Vazquez
Vazquez Insurance Agency
11 Randy Merrell
12 Shamseldin Omer
Omer Insurance Agency
12 Larry Brooks
13 Randall Schnack
Schnack Insurance Agency
13 Edward Brownlee
14
Sylvan-James Associates, Inc.
14 Bertha Reed
15
Benefit Plans of America, Inc.
15 Frederick Menslage
16 Joseph Iannelli
Iannelli Insurance Agency
16 Victor Cabrera
17 Rita Livingston
Livingston Insurance Agency
17 Rita Livingston
18 Kayleigh Meshil
Meshil Insurance Agency
18 Fito Menard
19 John Clark
Senior Solutions Insurance Agency
19 Taiwana Hixon
20 Nur Ahmed
Ahmed Insurance Agency
20 Jennifer Jelks
21 Taiwana Hixon
Hixon Insurance Agency
21 Vincent Abbatiello
2
3
12 Joseph Maisonet
Maisonet Insurance Agency
$408,882
12 Christopher Graham, CLU
$277,436
13 Edward Catron
Catron Insurance Agency
$397,126
13 Brian Gilbert
$270,638
14 Shawn Schroeder
Jack Schroeder & Associates, Inc.
$387,672
14 Edward Catron
$262,913
15 Scott Schwartz
Insurance Protection Services
$376,080
15 Jon Ahlbum
$258,966
16
American Eagle Consultants, Inc.
$371,054
16 Thomas Payant
$253,799
17 Pierre Abadjian
Abadjian Insurance Group
$331,114
17 Catherine Hatton
$250,140
18 Richard Bowes
Bowes Insurance Agency
$312,036
18 Kenneth Harasym
$237,634
19
Futurity First Insurance Group, Inc.
$285,947
19 Eugene Ranney
$233,126
20 Brian Gilbert
Gilbert Insurance Agency
$280,226
20 Joseph Jaffe
$224,484
21 Barabra Bowes
Bowes Insurance Agency
$273,768
21 Dexter Saylor
$214,711
22 Nur Ahmed
Ahmed Insurance Agency
$273,353
22 Peter Gratzon
$214,551
22 James Craig
Craig Insurance Agency
22 James Craig
23
Centerstone Insurance & Financial Svcs.
$273,072
23 Beverly Kingsley
$212,836
23 Lee Jernigan
Jernigan Insurance Agency
23 Lee Jernigan
24 Kenneth Lepage
Lepage Insurance Agency
$265,073
24 Fred Ulayyet
$212,063
24 Tim Doyle
Doyle Insurance Agency
24 Tim Doyle
25
Your Health Insurance Agency, Inc.
$259,869
25 Bruce Mayer
$211,877
25 Patricia Campbell
Campbell Insurance Agency
25 Patricia Campbell
26 Joseph Kirby
$206,832
26 Andrew Whelan
Whelan Insurance Agency
26 Andrew Whelan
Farm & Ranch Healthcare, Inc.
27 Dennis Murphy
4
5
26 Vincent Abbatiello
Mainstay Retirement Solutions
$252,611
27 Jackson Edwards
Edwards Insurance Agency
$247,892
27 Jackson Edwards IV
$199,946
27 Michael Stevens
28 Kenneth Harasym
Harasym Insurance Agency
$237,634
28 Gary Kempler
$192,669
28 Dennis Murphy
Murphy Insurance Agency
28 Deborah Walker
Walker Insurance Agency
29 Bettyann Woodside
Taylor Insurance Agency
30 Armand Mooyman
29 Joseph Jaffe
Jaffe Insurance Agency
$230,160
29 Aaron Gordon
$189,148
29 Deborah Walker
30 Valerie Bahlkow
Bahlkow Insurance Agency
$216,434
30 Dani Chard
$181,690
30 Thomas Taylor
JANUARY 2016  MADP 2016 SEASON FINALE
MADP 2016 SEASON FINALE  JANUARY 2016
 11
#UACONVENTION2017 JUNE 25-28, 2O17
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
MONTH
WHAT YOU NEED TO QUALIFY
IF YOU ARE A WRITING AGENT:
WHAT YOU NEED TO QUALIFY
IF YOU ARE A GENERAL AGENT:
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
INTERCONTINENTAL CHICAGO MAGNIFICENT MILE
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.