January - 2012

Editor’s Page Perspective:  Seniors Rock!! Welcome to UA & First UA Convention 2013 … Hotel del Coronado, San Diego The Clock is Ticking … Focus on Supplemental Health Medical Loss Ratio … One Year Later Top Producers through December 2011

 Articles:
January - 2012

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.

© Copyright 2011, United American Insurance Company, McKinney, Texas All rights reserved.

 
Editor's Notes

2012 UA PROCARE RATE APPROVALS
United American has received 2012 ProCare Medicare Supplement rate approvals in the following states: Arizona, District of Columbia, Kansas, Michigan, Nebraska, Utah, and West Virginia.

Memos were both mailed and e-mailed to all General Agents in these states detailing which ProCare Medicare Supplement plans were affected. The rates on ProCare Plan HDF have decreased by five percent in all states listed.

The new business effective date and the renewal effective date is Feb. 1, 2012.

Detailed rate cards including plans, rates, and pay modes are available for download at UAOnline.

Contact Agency Service at 1-800-925-7355 or e-mail agencyservice@torchmarkcorp.com with questions.

ATTN: OHIO AGENTS
Due to recent regulations imposed by the Ohio Department of Insurance concerning Agents' unsolicited contact with Medicare-eligible persons (see December 2011 Summit Editor's page), mail solicitations are the only allowable method of direct contact.

The 'Turning 65' letter is available at UAOnline in the Ad Catalog and is an excellent alternative to calling or going to see new Seniors in Ohio. In addition, Medicare Supplement direct lead mailers can help you reach your Senior prospects.

POSTAGE RATE INCREASE
Don't forget! Effective Jan. 22, 2012, the U. S. Postal Service first class stamp is 45 cents.

INTEREST RATES SET
The Lifestyle Annuity rate for January 2012 is 3.00 percent. Rates are reviewed and adjusted accordingly.

The Deposit Fund Rider new business interest rate for 2012 is 3.00 percent.

CONGRATULATIONS!
UA extends a hearty congratulations to Chana Gluck, the December winner of our monthly drawing for 2,000 free direct lead mailers. Sell just one Medicare Supplement policy and your name is entered in the drawing. The more policies you sell, the more chances you have to win. With Medicare Advantage Disenrollment underway, your chances could be limitless!

WORDS OF WISDOM
"We grow great by dreams. All big men are dreamers."

- President Woodrow Wilson


DO WE HAVE YOUR E-MAIL
ADDRESS AND A COLOR PHOTO?

Do you receive e-mail updates about products, rates, and training? If not, please make sure we have your correct e-mail address. E-mail agencyservice@ torchmarkcorp.com or call Agency Service at 1-800-925-7355 to provide us with your current e-mail address.

Check your inbox each Tuesday for the weekly edition of Chats with Chuck. This weekly e-mail from Charles Mankamyer, Senior Vice President of General Agents, covers topics of interest to our General Agents and Writing Agents, reminds you about our weekly webinars, and keeps you informed of our live workshop schedules and locations. Don't forget! We want a current, color, head and shoulders photo of you. If you have never sent one or have not sent one within the last five years, please e-mail a digital photo (use highest clarity setting with a blank white wall in the background) to editor@torchmarkcorp.com. Please include your name and your Agency's name.