IT`S TIME - United American Insurance Company

TORCH
DECEMBER 2012
IT’S TIME
LIBERTY NATIONAL LIFE INSURANCE COMPANY
2013
insight
It’s Time
What a great year!
It has been such a privilege to work with
all of you toward making Liberty National
the best it can be. I know this year has had
some change and even a little uncertainty,
but I think you have taken it in stride and
have had the flexibility and determination
to get us going in the right direction.
For that, and for all of your success,
I thank you.
2012 truly has been a standout year, but
now I want to focus on something far
more important – the present.
Recently, I had sort of a revelation …
an epiphany. As I celebrated my 60th
birthday, it dawned on me that while I am
proud of the accomplishments I’ve made
in my life, there are still things I want to do.
I need to make sure I embrace my time on
Roger Smith
President and Chief Executive Officer
2 - torch December 2012
it’s time
this earth more than ever. I need to make
sure I get to work on achieving any and
all of the remaining goals I have in my life,
right now.
I hope you understand the urgency I’m
talking about. Every moment is precious,
and any moment wasted is one we can
never get back. While last year I asked you
to take a leap of faith, this year, I’m asking
you to take it up a notch and live life every
day with this motto in mind: it’s time.
It sounds simple enough, but when you
really grasp its meaning and apply it to
your life, this expression can have quite a
profound impact on everything you do.
One of Merriam-Webster’s definitions
for ‘time’ is “an opportune or suitable
moment.” What I’m telling you is, now –
today, tomorrow, this month, this year –
is an opportune or suitable moment for
you to take your career and transform
it into something incredible. And yes, it
does have to be right now … because
hesitation brings nothing but wasted
time, and wasted time means wasted
opportunity.
So what do I mean by taking action right
now? I mean we have the opportunity to
make our careers and our Company the
best in the market by potentially bringing
20,000 new jobs to this struggling
economy. Right now it’s time to lift
someone up who has been laid off or who
has been working in a dead end job for
which he’s overqualified. It’s time to offer
some financial protection to families, to
help that grieving widow and make sure
her family can keep their house and her
kids can afford to get a college education.
It’s time the spotlight shines on you and
the efforts you contribute to the success
of our Company, our customers, and our
economy. It’s time to bring new life to your
Branches and to ensure our Company
remains a place for those willing to work
hard and make good lives for themselves.
Remember, Liberty National is the home
of the Opportunity of a Lifetime, so let’s
make that a reality every day.
I have every confidence LNL will reach
$100 million per year in four years. But the
clock is ticking; the zero hour is here. The
time to take action is now. Keep in mind
tomorrow is never guaranteed … but
today is.
What I’m telling
you is, now – today,
tomorrow, this month,
this year – is an
opportune or suitable
moment for you to
take your career and
transform it into
something incredible.
It’s a critical time for all of us here, but
it’s also an exciting one. So let’s all say
goodbye to any delays, excuses, or
hesitations that do nothing but impede
our immediate progress toward the next
great thing in our lives. I hope you’re all
ready, because right now, it’s time.
NEWS
Published by Liberty National
Life Insurance Company for the
dissemination of information to its
Agents. Prior permission must be
obtained from Liberty National
Life Insurance Company for
reproduction or other use
of material herein.
Top Agency Builder – October
to our Liberty
National Family!
We hope all of our Agents and
Managers enjoy celebrating the
holidays – you deserve it!
LIBERTY NATIONAL
libertynational.com
lnlcareers.com
mylibertylife.com
lnlacademy.com
torchmarkconvention.com
Happy Holidays
ie Ketron with
From left: Branch Manager Vick
ol Speaks
Car
der
Buil
ncy
Age
er
Novemb
TORCH STAFF
Marketing Content Manager
Christie Gibson
Editor
Roberta Boyd King
Senior Staff Writers
Brynn Caccamo, Katrina Kotzen
Livin’ the Dream
Congrats to Unit Manager Gabriel Speaks
on his rockin’ new ride. Imagine pulling
up for an interview and parking next to
that car! #motivation #swagger
IPOD
Currently playing:
Staff Writer
Seth Cohn
“Time Has Come Today”
Jr. Staff Writer/Staff
Photographer
Brittany Feagans
By The Chambers Brothers
Senior Graphic Designer
Cal Slayton
Contact the Torch staff at
[email protected]
to send photos and community
involvement news, or to update
your home address.
Twitter Update
The Official Liberty National Twitter page has gotten a makeover! Follow us @libertycareers
and check out page 7 for more details!
facebook.com/LibertyNationalIns
twitter.com/LibertyCareers
linkedin.com/company/551206
youtube.com/LibertyNationalIns
MyLibertyLife.com
flickr.com/photos/LibertyNational
pinterest.com/LadiesofLNL
instagram.com/LibertyCareers
it’s time
torch December 2012 - 3
Liberty National Branch Managers descended on Las Vegas Nov. 26-29, making the Venetian
Hotel and Casino their home-away-from-home during the fall Branch Manager Meeting.
It’s Time to implement what you learned by growing your Branch, increasing your production,
and hitting the JACKPOT in 2013!
th announces
President and CEO Roger SmiTime.
LNL’s 2013 theme, It’s
Branch Manager Kathy
Blanco
during the Branch Manag takes the stage
er Meeting.
an Jones, Jill Wilmeth,
Branch Managers Jonath
recognized.
are
ng
You
rri
and She
4 - torch December 2012
it’s time
Senior Vice President Rob
Gray
motivates the crowd.
Jeff Miller
Tim Aderholt and
Branch Managers d for success in 2013.
are psyche
EVP and Chi
ef
ready to shak Agency Officer Steve D
iChiaro is
e things up w
ith Branch
Vickie Ketro
n and Troy D Managers
ew.
Las Vegas photo: Irina Moskalev / Shutterstock.com
New AUMs at LNL
The November Agency Builder of the Month
award goes to Michelle Bourdon of the Michele
Sellors Branch. Michelle coded four Agents in
November.
Michelle Bourdon
The Agency Builder of the Month award
recognizes the Assistant Unit Manager who codes
the most Agents.
For her achievement, Michelle received a framed certificate
of recognition and a letter from Executive Vice President and
Chief Agency Officer, Steve DiChiaro, congratulating her on
her commitment to developing new Agents and helping to
expand her Branch and the Company.
Congratulations to the new AUMs! IT’S TIME to begin
the next phase of your career with LNL!
November Top Agency Builders
# of
Codes
Assistant
Unit Manager
Unit Manager
Branch
4
Michelle Bourdon
Kenneth Keith
Michele Sellors
3
M. B. Falkenberry
Heath Johnsey
Angela Hanson
3
Timothy Garrett
Paul Mikell
Tim Reeves
3
Lisa Blanton
Kenneth Keith
Michele Sellors
3
Deborah Hartman
3
Christopher Schiro
Todd Lomenick
Jason Perry
2
Mallory Andler
Lori Jewett
Deane Jewett
2
John Ashley
Philip Nichols
Clint McLain
2
Charles Baine
Marcus Rich
Mark Woodruff
2
Timothy Barron
Mark Wofford
Jeff Miller
2
Bethany Blevins
Sarah Rucker
Byron Schreiber
Steve Hartman
Angela Amason
Toni Burgin - UM
John Hadder - BM
Jerika Drinkard
Ronda Schaeffer - UM
Scott Smith - BM
Kierra Leavell
Steve Wade - UM
Jill Wilmeth - BM
John Ashley
Philip Nichols - UM
Clint McLain - BM
Cynthia Eaton
Dwight Hixon - UM
Mike Isom - BM
Ladana Lewis
Davis Bass - UM
John Brooks Jr. - BM
2
Johnny Bragg
Natalie Newsome
Brian Cannington
2
Rachel Clabey
Michael Smitherman
Eddie Milner
Charles Baine
Marcus Rich - UM
Mark Woodruff - BM
Tabitha Ellenburg
Jamie Phillips - UM
Clint McLain - BM
Jeanette Middleton
Anthony Baldwin - UM
Byron Schreiber - BM
2
Sean DeBarry
Adam Van Daley
Brian Cannington
2
Edwin Handy
Tyler Mayo
Robert Giles
2
Kimberly Landry
Rachel Fenz
Rex Smedley
Daniel Borrero
Johan Blanco - UM
Kathy Blanco - BM
Marilyn Fricke
Cynthia Barreira - UM
Vickie Ketron - BM
Trouble Morgan
Ulysses Narcisse - UM
Robert Giles - BM
2
Melissa Moore
Keith Carr
Brian Cannington
2
Michael Nash
Bradley Gray
Ricky Beard
Debbie Butler
Kristie Tate - UM
Ricky Beard - BM
Edgar Gibson
Juanita Jackson - UM
Shannon Brown - BM
Sharon Nickell
James Nauroth - UM
Steve Hargis - BM
2
Matthew Rollins
Alan Beck
Mike Isom
2
Gene Sherrod
Henry Reece
Cedric Higgins
Christina Carr
Emily Davis - UM
Deane Jewett -BM
Candace Houston
Randall Bedwell - UM
Tim Reeves - BM
Michael Patton
Patricia Miller - UM
Owen Wilson Jr. - BM
2
Jeff Splawn
Eric Sellors
Michele Sellors
2
Ryan Weeks
Christopher Graham
Stephanie Jackson
Briana Chavis
Desh Lachman - UM
Owen Wilson Jr. -BM
Latoya Jones
Brenda Akins - UM
Cedric Higgins - BM
Sabina Peters
Johan Blanco - UM
Kathy Blanco - BM
2
Mark Woodruff
Gary Dobbs
Mark Woodruff
Nathanial De Canal
Sheri Kirch - UM
Tony Carter - BM
Joseph Kampfer
Lori Jewett - UM
Deane Jewett - BM
Rebecca Riley
Davis Bass - UM
John Brooks Jr. - BM
Joanna Stanfield
Gemecia Marshall - UM
John Hadder - BM
Terence Sullens
William Etheridge - UM
John Hadder - BM
Andrea Devine
Charles Rush - UM
Shannon Lambeth - BM
Russell Laviolette
Tyler Mayo - UM
Robert Giles - BM
Richard Sewell
Michael McEachern - UM
Jason Neal - BM
Dwight Stewart
Matt Carter - UM
Jason Everett - BM
Melissa Sumrall
Randall Bedwell - UM
Tim Reeves - BM
it’s time
Jeffrey Vandegraft
Rick Kemp - BM
torch December 2012 - 5
Congratulations!
new unit managers
Rodney K. Homan
Unit Manager
Columbus, MS
Cedric Higgins Branch
anniversaries
30 Years of Service
10 Years of Service
3 Years of Service
1 Year of Service
Robert Bice Jr., Agent
Robert New, UM
Denise Pugh, UM
Rubye Wyche, Agent
27 Years of Service
7 Years of Service
Charles Rush, UM
Edna Owens, Agent
Gabriel Speaks, UM
Brandy Vickers, Agent
Neal Bailey II, Agent
Regina Butler, Agent
Patricia Parrish, Agent
Sally Taggart, Agent
Kimberly Vinson, UM
Alice Weston-Sherwood, Agent
Tonya Woodson, UM
6 Years of Service
2 Years of Service
Anthony Baldwin, UM
Felisa Barrett, Agent
James Bishop, Agent
James Childress, Agent
Steven Graves, Agent
Alex Henderson, AUM
Justin Lones, Agent
Daniel Nuckolls, UM
Kris Reece, UM
Hunter Self, Agent
Blease Turner, Agent
Linda Varnadore, Agent
Carl Williams, AUM
25 Years of Service
Alan Beck, UM
21 Years of Service
Floyd Byers, UM
18 Years of Service
Raymond Henderson, Agent
17 Years of Service
Randall Bedwell, UM
Patrick Stafford, UM
14 Years of Service
Angela Hanson, BM
11 Years of Service
John Love, Agent
Cedric Higgins, BM
5 Years of Service
Craig Wilson, UM
4 Years of Service
Jason Adams, Agent
Debbie Butler, AUM
Missy Henderson, UM
Todd Lomenick, UM
Cathy Meinecke, UM
Jacob Miller, UM
Beverly Milner, Agent
Nick Slagle, BM
Janet Tumminia, Agent
Jeff Wallmark, BM
Mark Wofford, UM
LNL anniversaries according to Company records.
6 - torch December 2012
it’s time
Chester Gauger, AUM
Michael Harkin, AUM
Jon Hill, Agent, Agent
Bernard Marsalis, Agent
Patricia Miller, UM
Ronda Schaeffer, UM
Carol Speaks, AUM
Justin Waddle, UM
Director
of the Month
Congratulations to
Senior Vice President Rob Gray
for achieving Liberty National’s
November Director of the Month
Award. Rob’s name will be engraved
on a Director plaque displayed at
the Home Office. Executive Vice
President and Chief Agency Officer
Steve DiChiaro recognized Rob at the
December Directors’ Meeting.
Senior Vice President Rob Gray
“Tweet tweet!”
“Who’s there?”
“@libertycareers!”
“@libertycareers who?”
“@libertycareers is
the OFFICIAL LNL
Twitter account!”
Follow us @libertycareers to stay up
to date with all things LNL.
it’s time
torch December 2012 - 7
vention in
2013 Con
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fo
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On schedu
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I
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SAN
TIM ADERHOLT BRANCH
Gainesville, GA
DREW ADERHOLT
TIM ADERHOLT
DARREN ALEXANDER
RONALD ALLEN
TIMOTHY BUCKNER
MICHAEL BULLOCK
SERGE CLOUATRE
YOLY DALE
CORRIE HILL
COREY HULSEY
BILL LACOUNT
CHRISTINA LAUDERDALE
TERRY MEDLIN
RANDY REEVES
kenny west
CRAIG WILSON
RICKY BEARD BRANCH
Corinth, MS
jamie barnes
RICKY BEARD*
DEBBIE BUTLER
CHAD ESSARY
ED FOWLER
BRADLEY GRAY
WILLIE MCGEE
KATHy BLANCO BRANCH
Tampa Bay, FL
JOHAN BLANCO
KATHY BLANCO*
DAVID BURGMAN
STEWART ROSS
skip bond BRANCH
Indianapolis North, IN
skip bond
John Brooks Jr. BRANCH
Dothan, AL
DAVID BASS
JOHN BROOKS JR.*
TERRY FARRIS
JOHN LOVE
ROBBIE RICHARDS
Shannon Brown BRANCH
Greenville, MS
Shannon Brown*
BRIAN CANNINGTON BRANCH
Waycross, GA
KEITH CARR
CAROLYN EDWARDS
STANLEY JOHNSON
MELISSA MOORE
SANDRA MULKEY
NATALIE NEWSOME
tina NICHOLS
CHRIS O’BERRY
PAM ROLLER
DAVID TOMPKINS
ADAM VAN DALEY
8 - torch December 2012
TONY CARTER BRANCH
Huntsville North, AL
CHRIS CAMP
JEFF LONES
TOMMY CLAY BRANCH
Chattanooga South, TN
MARTHA JOHNSON
TROY DEW BRANCH
Meridian, MS
TROY DEW
MARK MCMILLAN
Haim Elfersy BRANCH
Jacksonville, FL
haim elfersy*
LARRY MCDANIEL
JASON EVERETT BRANCH
Little Rock, AR
ROBERT BAILEY
CHARLES BROWN JR.
matt CARDER
MATT CARTER
WES COFFEE
ROBERT CZERWINSKI
DAVID HAJDUCH
STEPHEN HARRIS
BRENT HENDERSON
Missy HENDERSON
TERRI HOGAN
STEPHANIE LAWRENCE
RYAN POTTS
PAM STANTON
robert giles BRANCH
Lafayette, LA
tyler MAYO
bill knowles BRANCH
Macon Central, GA
REGINA GREEN
JASON JOINER
JOHN HADDER BRANCH
Birmingham North, AL
DAVID BAILEY
TRACIE BEAN
TONI BURGIN
WILLIAM ETHERIDGE
John Hadder*
WILLIAM HARRISON
MILDRED JACKSON
ANGELA HANSON BRANCH
Alexander City, AL
KENNY BUCK
EDWARD CAMPBELL
HEATH JOHNSEY
MARIE TUCK
Steve Harris BRANCH
Anniston, AL
jonathon everly
JOHNNY GOSS
steve harris*
MEGHAN KING
it’s time
CEDRIC HIGGINS BRANCH
Columbus, MS
BRENDA AKINS
APRIL HATCHETT
CEDRIC HIGGINS*
HENRY REECE
MIKE ISOM BRANCH
Albertville, AL
LISA BECK
ED EDMONDSON
NELLIE WILLARD
Stephanie JAckson BRANCH
Chattanooga North, TN
CHRISTOPHER GRAHAM
SCOTT JACKSON
STEPHANIE JACKSON*
DEANE JEWETT BRANCH
Columbus North, GA
emily davis
Deane jewett*
DOUGLAS LYNCH
jonathan jones BRANCH
Brewton, AL
JULIE HENSON
RICK KEMP BRANCH
Columbia, SC
rick kemp*
VICKIE KETRON BRANCH
Knoxville Metro, TN
CYNTHIA BARREIRA
JAMES BOWMAN
JONATHAN BOWMAN
COURTNEY CALDWELL
VICKIE KETRON*
jack loewy
KELLI PORTER
CAROL SPEAKS
GABRIEL SPEAKS
bill knowles BRANCH
Macon South, GA
TONYA CARDWELL
KAY FORDHAM
tommy wainwright
SHANNON LAMBETH BRANCH
Baldwin County, AL
DOUG BARRETT
DEMPSEY BELL
CHARLIE RUSH
hunter SELF
CLINT MCLAIN BRANCH
Jasper, AL
ALAN GOFORTH
cLINT mCLAIN*
PHILIP NICHOLS
SCOTT PRITCHETT
RAYMOND SMITH
JEFF MILLER BRANCH
Springfield East, MO
TODD BAXTER
JAMES BISHOP
KIM FEAGER
A. J. GOOD
jacob miller
JEFF MILLER*
ALLISON POBLOSKE
TOMMY RECTOR
MARK WOFFORD
eddie milner BRANCH
Birmingham South, AL
Eddie milner*
frank venezia
Mary Venezia
eddie milner BRANCH
Pell City, AL
danny bice
keith mitchell BRANCH
Jackson, AL
DONNA CHANCEY
KIMBERLY JACKSON
KEITH MITCHELL*
SHEILA MITCHELL
GINNY OVERSTREET
SONJA OVERSTREET
Jason Neal BRANCH
Cullman, AL
FRED BUSSEY
MICHAEL LOGAN
TIM Nuckolls BRANCH
Springfield North, MO
JASON ADAMS
TIMOTHY AMEY
MICHAEL CHAMBERS
RONDA HEIN
cathy meinecke
TIM NUCKOLLS
BRENT STANTON
WENDI THORNTON
TIMOTHY WERTZ
MARVIN ODELL BRANCH
Tuscaloosa South, AL
DOUGLAS LAVENDER
CARLOS LOGAN
JASON PERRY BRANCH
Ft. Walton Beach, FL
NICK BOUZIOS
JOE CAMPUS IV
C. WAYNE FISHER
TODD LOMENICK
Jason PErry*
MITCHELL PHELPS BRANCH
Charlotte Central, NC
CHRIS CASTLEBERRY
CATHERINE COLONNA
MELINDA HARMON
Mitchell phelps
Ashley rabon
LONELL PLYLER BRANCH
Florence, AL
KIRK BUTLER
JERRY CROWELL
KAY PERRYMAN
howard ralston BRANCH
Dalton, GA
MARION BEACHAM
FLOYD BYERS
MARK CHANDLER
CYNTHIA GRIFFIN
BRANDON HERNDON
OSCAR MEDRANO
DORMAN PETERSON
BILL RAPER
CHARLES ROGERS
GARY SMITH
TIM REEVES BRANCH
Pensacola, FL
TIMOTHY GARRETT
pAUL MIKELL
BYRON SCHREIBER BRANCH
Decatur, AL
ANTHONY BALDWIN
BYRON SCHREIBER*
ARCHIE TERRY
MICHELE SELLORS BRANCH
Ft. Worth East, TX
LISA BLANTON
MICHELLE BOURDON
KENNETH KEITH
BRITTANY SELLORS
JEFF SPLAWN
Stephen Slagle BRANCH
Springdale, AR
JOHN HOLLOWAY
rex smedley branch
Austin, TX
JUANITA CLARK
HUGHES dewailly
RACHEL FENZ
MICHAEL HARKIN
KIMBERLY LANDRY
CATHY OLSEN
MARY OWEN
REX SMEDLEY*
CHRISTOPHER WEDEMEYER
aaron Snider BRANCH
Indianapolis, IN
JENNIFER O’ CONNOR
aaron SNIDER
ALAN SPAFFORD BRANCH
St. George, UT
Mark hargis
CHRISTOPHER LOVELESS
ELIDORA LOVELESS
JOSEPH LOVELESS
LIZBETH WHITAKER
RICHARD SILVA
GREY YATES
MARK STONE BRANCH
Tupelo East, MS
KELLYE GAMMELL
PATrick STAFFORD
RON TADLE BRANCH
Cleveland, TN
TONY BAILEY
DANIEL HUNTER
PATRICK KNOWLES
RON TADLE*
Travis Tolliver BRANCH
St. Louis South, MO
Mary KArnes
jeff wallmark BRANCH
Ft. Smith, AR
VETA MELVIN
KEVIN PETERSON
JILL WILMETH BRANCH
Nashville South, TN
RICHARD CRABTREE
ROSEANNE SILBERMAN
STEVE WADE
JILL WILMETH*
OWEN WILSON BRANCH
Orlando North, FL
C.J. COLLAZO SR.
SUSAN MCCRAY
JULIE PALIUCA
GARY RUDD
GARY TETREAULT JR.
KYLE TETREAULT
OWEN WILSON*
Elena wilson
TONYA WOODSON
LARRY W0OD BRANCH
Charlotte East, NC
HILLIARD BUCHANAN IV
DEMETRIUS CASSELLAS
BUDDY MITCHELL
THOMAS ROGERS
LARRY WOOD*
MARK WOODRUFF BRANCH
Montgomery North, AL
Gary Dobbs
david morris
GARY OATES
CHARLES SMITH
AUDRA STRICKLAND
BRANDY VICKERS
MARK WOODRUFF*
SHERRI YOUNG BRANCH
Enterprise, AL
leighanne CREWS
ASHTON MCKELVY
DAVID MILLER
sherri young
Liberty National recognizes Agents, Assistant Unit Managers, Unit Managers, and Branch Managers, who are on schedule as of 12.03.12 for
the 2013 Convention to be held June18 - June 21, 2013. Qualifiers and/or Torch Club honorees must meet applicable Company minimum standards and
qualifications for production, persistency, DCN, and recruiting to attend and/or be recognized in our Company magazine. *10 percent and above growth
10
THE LAW OF connection #
From John Maxwell’s 21 Irrefutable Laws of Leadership
1.
True leaders touch a heart before they ask for a hand.
2.
T he stronger the relationship and connection between individuals, the more likely
the follower will want to help the leader.
3.
Six keys to connection include the following:
• Personal Authenticity
• Relationship
• Approachability
• Mutual Respect
• Belief in People
• Meaning & Depth
Do you know people who exemplify Maxwell’s Law of Connection? Perhaps you have that
kind of relationship with your parents, a coach, or your Branch Manager. Isn’t it your connected
relationship that makes you want to please your parents (no matter how old you are), your coach,
or your Branch Manager … that make you want to help them or be like them?
You can form a connection with almost anyone, whether it’s family, others in your Branch,
prospects, customers, or social contacts. You just have to be open to it. And the more open you
are, the deeper the connection becomes on every level.
Open your mind and heart … and the world is yours!
it’s time
torch December 2012 - 9
LNL Branch Managers Help Clean the World
The Liberty National November Branch Manager Meeting was held November 26-29 at the Venetian Hotel and
Casino in Las Vegas. During their free time, 80 Branch Managers, guests, and Home Office personnel rolled up
their sleeves and got their hands clean with a Closer to the Heart project benefitting Clean The World.
Each day, 9,000 children around the world under the age of
5 die from preventable hygiene-related illnesses, specifically
pneumonia and diarrheal disease. That’s more than 3.2 million
children each year – more than AIDS and malaria combined.
Each month, hundreds of thousands of hotels across the world
discard tons of slightly-used soap and shampoo.
Founded in 2009, Clean The World’s
mission is to collect and recycle soap
and shampoo products discarded
daily by the hospitality industry and
distribute these and other donated
hygiene products to impoverished
people to prevent the millions of deaths caused by hygienerelated illnesses every day. Clean The World carries out its
mission by collecting, sorting, processing, and recycling
discarded soap, shampoo, conditioner, and lotion from
participating hospitality partners, and delivering them to
domestic homeless shelters, impoverished countries, and places
where natural disasters have compromised sanitary conditions.
As the world’s first high-volume soap recycler, Clean The World
has put more than 11 million soap bars and 325,000 pounds
of shampoo and conditioner back into human use, eliminating
more than 750 tons of needless waste from landfills.
10 - torch December 2012
it’s time
Liberty National volunteers worked in two-hour shifts at Clean
The World’s Las Vegas Recycling Operation Center, separating
soaps and bottles into separate containers. Kevin Williams, the
Center’s director, said the time LNL spent volunteering saved the
sparsely-employed facility six months worth of work! After the
shifts, LNL President and CEO Roger Smith and Executive Vice
President and Chief Agency Office Steve DiChiaro presented
Clean The World with a $4,450 donation. Additional donations
are still coming in and will be sent to the organization once
the collection is complete. Matching funds from LNL’s parent
Company, Torchmark Corporation, will double the total amount
of the donation.
Launched in April 2012, Closer to the Heart is a long-term
humanitarian project extending Torchmark Corporation
Affiliates’ commitment to the community by making financial
and service contributions to programs that provide hands-on
assistance in the communities we visit.
Photos (clockwise):
1. Branch Manager Brian Cannington is all smiles during his volunteer shift.
2. A group photo of Branch Managers, guests, and Home Office employees who
volunteered with Clean The World.
3. Liberty National volunteers separate soap and bottles into different containers.
4. Branch Manager Mark Woodruff sorts through containers of soap.
http://cleantheworld.org/about-us.asp
Recruiting Struggles? Let
Help.
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review website. It’s now one of the top resources career seekers use to research, investigate,
and ultimately determine if a Company is right for them and their families.
Here’s two ways you should use Yelp to help your recruiting efforts:
1
Add your Branch if it’s not already on Yelp, then ‘Claim Your Business’ – this allows you to personalize
the page to attract new recruits!
s’ button.
... then click the ‘Claim This Busines
If you do find your Branch, click on it ...
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If you don’t find your Branch
2
Fill out the form and submi
t your Branch to Yelp!
Leave a great review on your
Branch’s Yelp page to tell career
seekers about Liberty National’s
opportunity, culture, and what
we’re all about as a Company!
Follow these steps – they’ll help keep Liberty National’s Internet reputation
positive, which will help your recruiting and retention efforts going forward.
it’s time
torch December 2012 - 11
How can you step up your personal recruiting? Is it time for you
your personal production in 2013? With the New Year approa
2013 is a new year – don’t be afraid to step ou
to soar
above my
comfort
zone!
to go above
and beyond
my sales
expectations!
to make
more
money!
to shift my
focus to fya
production!
to attend
leadership academy
and learn how to
build my branch!
to code
more
agents!
12 - torch December 2012
it’s time
u to take on a leadership position? What can you do to increase
aching, It’s Time to focus on your future at Liberty National.
ut of your comfort zone – It’s Time to SHINE!!
to use
social media
to recruit new
agents!
to challenge
myself and not
just make goals,
but BREAK them!
to try new
team-building tactics
like running a 5k,
donating to a charity,
or creating
a contest!
to qualify
for the annual
convention!
to volunteer
and help community
members in need!
it’s time
torch December 2012 - 13
LNL
On Flickr
Liberty National Agents, AUMs,
UMs, and Branch Managers are
such ROCK STARS that we hire
paparazzi to capture them in action!
Event photos from Leadership
Academies, Convention, Branch
Manager Meetings, Closer to the
Heart projects, and MORE are
available to view and download
on the OFFICIAL Liberty National
Flickr page!
Use these photos for Facebook or
LinkedIn, or simply to relive your
experience in the Liberty limelight.
flickr.com/photos/LibertyNational
14 - torch December 2012
it’s time
perspective
Kathy Blanco
Branch Manager
Tampa, FL
libertynational-blanco.com
Embracing Change to Maintain
an Ownership Mentality
Being a leader means making choices – choices that not
only affect you, but everyone who looks to you for guidance.
It also means embracing change. During my three years as a
Branch Manager at Liberty National Life Insurance Company,
I’ve overcome many challenges by keeping a positive attitude,
staying open-minded, and, most importantly, making changes.
In the beginning of 2012, we, as a Company, experienced a
major change in the way we conduct business. I’ll be the first
to admit I was initially anxious about the change in leadership.
Sometimes it’s hard to venture out of your comfort zone to see
the bigger picture, but I’m sure glad I did!
July was a month of many changes in my career. The lease of
my old office with Liberty National was about to expire, and
even though I was excited about moving into a new office,
I was also nervous about the expenses I was about to incur.
Knowing that this time around I’d be the one choosing where
I’d be conducting business, my excitement outweighed my
fear. My vision was to find an attractive, inviting new office that
would warmly welcome new recruits and clients. I was fortunate
to find just that.
In addition to changing my office location, I also made the
decision to become an Independent Branch Manager. There
were several factors I considered when making this decision,
but the 10-year Vested Renewal Schedule turned out to be the
perfect choice for me. Although significant, these changes
only further fueled my desire for change. That’s right, halfway
through 2012 and I was just getting started with the Tampa Bay
Branch’s makeover.
In October, I visited one of Liberty National’s sister companies in
Chicago. During this visit, my mind was going 100MPH – what
I experienced in Chicago I might have heard from others in the
past, but seeing it was completely different. I finally had the
opportunity to observe what it takes to run a productive and
effective organization. This visit made me realize that I had
created a culture of average thinkers in my own organization.
Suddenly, my perspectives of my role and the role of a business
owner collided, opening my eyes to the true meaning of what it
takes to be an Agency Owner.
possible. Hiring an administrative assistant was the only way to
alleviate me of all the administrative work I was performing on
a daily basis. I’m now able to spend more time with my Agents,
AUMs, and UMs, helping them develop and improve their
leadership skills. It’s important to create a core group of leaders
within your Branch, and to spend quality time with them to
ensure their success and satisfaction.
I’ve overcome many challenges
by keeping a positive attitude,
staying open-minded, and, most
importantly, making changes.
Another significant change I made was in our Branch schedule.
Our Agency meetings had been too early, which didn’t allow
me enough time to meet with my core. By changing the time
of these meetings, I’ve opened up time to role play before
our recruiting sessions, discuss production, set objectives,
discuss codes, and develop leadership. Our meetings are also
more upbeat and enthusiastic now. We incorporate music,
motivational videos, and inspirational stories in every meeting.
I’ve created a weekly contest and reward the winner with cash
every Monday. I’ve found this is a great way to get my Agents
ready for a productive and successful week.
With all these changes in place, I am creating a culture of
winners. I want my Branch to excel in everything they do and
I want my team members to live abundant, fulfilling lives simply
by doing what we do best – helping others. As motivational
speaker Tony Robbins once said, “By changing nothing, nothing
changes.” Don’t be afraid to step out of your comfort zone –
It’s Time to better your Branch and your career.
I’m sure glad I did.
Back in Tampa Bay, my first decision was to hire a full-time
administrative assistant. My time as an Agency Owner is
valuable and my goal was to develop as many Managers as
it’s time
torch December 2012 - 15
official agent standings: 2012 production
November
2. Charles Brown Jr.
1. Roseanne Silberman
Nashville South, TN
3. Jason Adams
Little Rock, AR
$36,359
Melissa Nuckolls - UM
Jason Everett - BM
Springfield North, MO
$31,526
Brent Stanton - UM
Tim Nuckolls - BM
5. Nick Bouzios
6. Kay Fordham
4. Chris Castleberry
Charlotte Central, NC
$26,833
Ashley Rabon - UM
Mitchell Phelps - BM
7. Timothy Wertz
Ft. Walton Beach, FL
$26,062
David Brooks - UM
Jason Perry - BM
Macon South, GA
$24,116
Tommy Wainwright - UM
Bill Knowles - BM
Springfield North, MO
$24,101
Brent Stanton - UM
Tim Nuckolls - BM
8. Yoly Dale
9. Corey Hulsey
10. Ashton McKelvy
$39,600
Steve Wade - UM
Jill Wilmeth - BM
libertynational-wilmeth.com
Gainesville, GA
$24,002
Michael Bullock - UM
Tim Aderholt - BM
Gainesville, GA
$22,562
Craig Wilson - UM
Tim Aderholt - BM
Enterprise, GA
$22,234
Leighanne Crews - UM
Sherri Young - BM
AGENT BONUS FOR THOSE ON A FOUR-WEEK AVERAGE
Qualifier
Amount
Unit Manager
Jason Adams
$9,423
Brent Stanton
Kelly Kolodziejcyk
$4,380
Rachel Fenz
Timothy Amey
$4,138
Brent Stanton
Jeremy Jones
$3,351
Julie Henson
David Burgman
$3,331
Johan Blanco
Dylan Nuckolls
$3,274
Melissa Nuckolls
Erik Chase
$2,866
Rachel Fenz
Drew Aderholt
$2,743
Craig Wilson
Terence Sullens
$2,563
William Etheridge
Marri Andrews
$2,460
Rachel Fenz
Qualifiers and/or Torch Club honorees must meet applicable Company minimum standards and qualifications for
production, persistency/DCN, and recruiting to attend Torch Club and/or be recognized in our Company magazine.
16 - torch December 2012
it’s time
official agent standings: 2012 production
YEAR-TO-DATE
2. Bill Lacount
3. Serge Clouatre
5. Charles Brown Jr.
6. Douglas Lavender
Tuscaloosa South, AL
$196,994
Carlos Logan - UM
Marvin Odell - BM
Springfield North, MO
$192,722
Brent Stanton - UM
Tim Nuckolls - BM
8. Kay Fordham
9. Ashton McKelvy
10. C. Wayne Fisher
Gainesville, GA
$206,350
Craig Wilson - UM
Tim Aderholt - BM
1. Corey Hulsey
Gainesville, GA
Little Rock, AR
$201,429
Melissa Nuckolls - UM
Jason Everett - BM
4. Corrie Hill
Gainesville, GA
$204,931
Ritch Wharton - UM
Tim Aderholt - BM
Gainesville, GA
$203,513
Randy Reeves - UM
Tim Aderholt - BM
7. Jason Adams
$351,630
Craig Wilson - UM
Tim Aderholt - BM
libertynational-aderholt.com
Macon South, GA
$173,079
Tommy Wainwright - UM
Bill Knowles - BM
Enterprise, GA
$168,788
Leighanne Crews - UM
Sherri Young - BM
Ft. Walton Beach, FL
$168,142
David Brooks - UM
Jason Perry - BM
Qualifiers and/or Torch Club honorees must meet applicable Company minimum standards and qualifications for
production, persistency/DCN, and recruiting to attend Torch Club and/or be recognized in our Company magazine.
it’s time
torch December 2012 - 17
official unit manager standings: 2012 production
November
Top 10 Unit Managers - First Year Agent Production in November
2. Kenneth Keith
3. Gabriel Speaks
Knoxville Metro, TN
$44,286
Vickie Ketron - BM
Springfield North, MO
$40,419
Tim Nuckolls - BM
5. Christopher Graham
6. Craig Wilson
7. Heath Johnsey
Fort Worth, TX
$56,908
Michele Sellors - BM
4. Brent Stanton
1. Rachel Fenz
Austin, TX
$108,521
Rex Smedley - BM
libertynational-smedley.com
Chattanooga North, TN
$40,025
Stephanie Jackson - BM
Gainesville, GA
$36,722
Tim Aderholt - BM
Alexander City, AL
$34,207
Angela Hanson - BM
8. Steve Wade
9. Johan Blanco
10. Mark Wofford
Nashville South, TN
$31,159
Jill Wilmeth - BM
Highest Total Production in November
Tampa Bay, FL
$30,813
Kathy Blanco - BM
UNIT MANAGER BONUS
Qualifier
1. Rachel Fenz
Austin, TX
$170,297
Rex Smedley - BM
2. Craig Wilson
Gainesville, GA
$100,317
Tim Aderholt - BM
3. Ashley Rabon
Charlotte Central, NC
$89,622
Mitchell Phelps - BM
Springfield East, MO
$29,601
Jeff Miller - BM
Amount
Branch Manager
Rachel Fenz
$10,880
Rex Smedley
Brent Stanton
$8,104
Tim Nuckolls
Steve Wade
$6,839
Jill Wilmeth
Christopher Graham
$4,614
Stephanie Jackson
Melissa Nuckolls
$4,390
Jason Everett
Craig Wilson
$4,345
Tim Aderholt
Johan Blanco
$3,651
Kathy Blanco
Gabriel Speaks
$3,546
Vickie Ketron
Bradley Gray
$3,516
Ricky Beard
Patrick Stafford
$3,350
Mark Stone
Qualifiers and/or Torch Club honorees must meet applicable Company minimum standards and qualifications for
production, persistency/DCN, and recruiting to attend Torch Club and/or be recognized in our Company magazine.
18 - torch December 2012
it’s time
official unit manager standings: 2012 production
YEAR-TO-DATE
Top 10 Unit Managers - First Year Agent Production Year-to-Date
2. Rachel Fenz
Austin, TX
$369,965
Rex Smedley - BM
Charlotte East, NC
$343,354
Larry Wood - BM
3. Tim Baucom
4. Courtney Caldwell
5. Brandon Herndon
6. Craig Wilson
7. Paul Mikell
Knoxville Metro, TN
$270,292
Vickie Ketron - BM
1. Gabriel Speaks
Knoxville Metro, TN
$455,610
Vickie Ketron - BM
libertynational-ketron.com
Dalton, GA
$266,450
Howard Ralston - BM
8. Kenneth Keith
Fort Worth East, TX
$252,499
Michele Sellors - BM
Gainesville, GA
$264,559
Tim Aderholt - BM
Pensacola, FL
$253,440
Tim Reeves - BM
9. Cathy Meinecke
10. Henry Reece
Springfield North, MO
$248,019
Tim Nuckolls - BM
Columbus, MS
$240,960
Cedric Higgins - BM
Highest Total Production through November
1. Craig Wilson
Gainesville, GA
$1,023,020
Tim Aderholt - BM
2. Gabriel Speaks
Knoxville Metro, TN
$651,143
Vickie Ketron - BM
3. Rachel Fenz
Austin, TX
$369,965
Rex Smedley - BM
Qualifiers and/or Torch Club honorees must meet applicable Company minimum standards and qualifications for
production, persistency/DCN, and recruiting to attend Torch Club and/or be recognized in our Company magazine.
it’s time
torch December 2012 - 19
official branch manager standings: 2012 production
CATEGORY LEADERS
Vickie Ketron
Keith Mitchell
libertynational-ketron.com
libertynational-mitchell.com
Kathy Blanco
Steve Harris
Cedric Higgins
libertynational-blanco.com
libertynational-harris.com
libertynational-higgins.com
Category 1
Category 4
Category 2
Category 5
Skip Bond
Top Startup
libertynational-bond.com
20 - torch December 2012
it’s time
Category 3
Category 6
official branch manager standings: 2012 production
year-to-date
CATEGORY LEADERS
Category
Branch Manager
Growth %
FYA %
Performance Factor
Production YTD
1
-
-
-
-
-
2
Vickie Ketron
Owen Wilson
John Hadder
Ricky Beard
Jeff Miller
Mark Woodruff
43%
32%
25%
21%
19%
13%
74%
43%
54%
35%
58%
49%
117%
75%
79%
56%
77%
62%
$1,244,091
$1,549,666
$1,292,562
$1,319,702
$1,078,909
$1,267,953
3
Keith Mitchell
Clint McLain
23%
10%
42%
44%
65%
54%
$896,517
$698,732
4
Kathy Blanco
Larry Wood
Jason Perry
John Brooks Jr.
47%
33%
29%
11%
57%
60%
39%
47%
104%
93%
68%
58%
$760,551
$572,727
$801,610
$878,180
5
Steve Harris
Haim Elfersy
Jill Wilmeth
Deane Jewett
Rex Smedley
44%
36%
21%
20%
18%
65%
58%
43%
72%
58%
109%
94%
64%
92%
76%
$462,615
$401,582
$380,843
$439,980
$637,502
6
Cedric Higgins
Byron Schreiber
Eddie Milner
Richard Kemp
Ron Tadle
Stephanie Jackson
Shannon Brown
128%
38%
26%
25%
22%
16%
13%
97%
65%
42%
63%
74%
68%
68%
225%
103%
68%
88%
96%
84%
81%
$682,564
$337,933
$698,444
$226,341
$345,844
$371,602
$213,363
MONTH-TO-DATE
UNDER
CONSTRUCTION
NEW DESIGN
COMING
JANUARY 2013
Qualifiers and/or Torch Club honorees must meet applicable Company minimum standards and qualifications for
production, persistency/DCN, and recruiting to attend Torch Club and/or be recognized in our Company magazine.
it’s time
torch December 2012 - 21
It’s Time … to Qualify for
LEADERSHIP ACADEMY!
The New Year is nearly upon us! Instead of making the same ol’ health or fitness resolution, why not make a New Year’s
Resolution that will catapult your career … and increase your income? Make your 2013 goal to qualify for Leadership
Academy #LLA101: Fundamentals of Branch Building introduces future leaders to the basics of recruiting, training, and talent
management. Already attended #LLA101 in 2012? Set your sights on #LLA201: Building for Growth! Looking to take the next
step down Leadership Lane and obtain Branch Manager status? Then #LLA301: Top Gun is for you! There are no LLA limits in
2013 – Branch Managers and Directors stay tuned, ‘cause we’re cookin’ up something for you too!
It’s Time to take your career to the next level! Visit www.lnlacademy.com to view 2013 Leadership Academy dates and courses.
22 - torch December 2012
it’s time
perspective
Steve DiChiaro
Executive Vice President and
Chief Agency Officer
I’m Psyched!!
I’m psyched about our 2013 Company theme. IT’S TIME …
short and sweet, but with a magnitude of potential for us as
individuals and as a Company. In 2012, we all took a Leap of
Faith, and in 2013, IT’S TIME to take that Leap of Faith to the
next level, to turn what might be into what is. IT’S TIME to stop
worrying if we can do something and simply realize we can do
ANYTHING — and do it extremely well.
When I look ahead to 2013, I see GROWTH in our mindset
that will result in growth in personal production, commission
earnings, bonus earnings, size and number of Branches, overall
Company development, and for many of you, net worth and
wealth. We made it through our year of transition in 2012, and
now IT’S TIME to realize we have NO LIMITS! Anything and
everything is possible.
Roger and I realize to successfully lead you, we need to know
and understand each of you and your teams. During the first
quarter of 2013, we are traveling to many Liberty National
offices to ‘Share the Vision’ and learn more about you and how
we can help you be successful. We understand that Branches are
like the individuals within them … all different. What works well
for one, may or may not work for another. But one question we
will ask at every Branch is “What’s your passion number?” What
production number must you reach? What production number
excites you and your team members? Our goal will be to
provide you with ideas that you can put into place to reach that
passion number. Remember, given both your ability and desire
to reach that goal, we will help you get there.
Growth starts with recruiting. Grow your team, and you grow
your Branch. Expand your mindset and it has a domino effect
on the rest of the team. Once you open your mind to new ideas,
your mind can’t shrink back. But whatever your current mindset
is, it’s probably not big enough. So throw aside preconceived
notions and open yourself to any and all possibilities. IT’S TIME
for Liberty National to have the explosive growth for which
we’re positioning. IT’S TIME to push our limits to see how far we
can go.
Sure, you can pay your bills selling Liberty National products,
but you can build your wealth selling the Liberty National
opportunity. And that’s what we want for all of you — Agents,
AUMS, Unit Managers, and Branch Managers. You were given
the opportunity of a lifetime, and you should share that
opportunity with others. Pay it forward, so others can pay it
forward too.
IT’S TIME to push our limits and see
how far we can go.
What can you do immediately to push your limits? Hire the
right people and do it in the right way. Make sure they have
a realistic idea of what it means to join the Liberty National
team, and that they know upfront what is expected. Get a
commitment for success from every recruit. Help them realize at
the beginning that being a Liberty National Agent is much more
than just having a job. It’s a way of life and a career that can reap
rewards beyond one’s wildest dreams.
The status quo doesn’t cut it at Liberty National, because
our Company is a living, breathing, evolving entity. Be open
to change, because if you’re not changing, you’re not
growing. I’m excited about the future of our great Company. We made a worthy start in 2012, but we all know the
BEST is yet to come.
it’s time
torch December 2012 - 23
P.O. Box 8080 • McKinney, TX 75070
It’s time.
Your time.
Use it wisely.
Qualify.
2013 Convention
June 18-21
www.torchmarkconvention.com
www.hoteldel.com