ATTN: ALL FIRST UA AGENTS
Great News! First United American's Supply Order Form is now automated. The online form enables you to submit orders electronically on UAOnline. This automated process replaces email, fax, and call-in orders. Once registered with UAOnline, just click on the 'Automated Supply Order Form' link and place your order. Please contact the Home Office at 315-451-2544 with questions.

CODE OF BUSINESS CONDUCT & ETHICS
Torchmark and its affiliates are committed to maintaining a business atmosphere and working environment based on honesty, fair dealing, and sound business ethics. Please review The Torchmark Corporation Code of Business Conduct and Ethics by logging into the UA/First UA Agent websites and clicking the 'Code of Business Conduct and Ethics' link on the right side of the page. This Code of Conduct expresses the standards of integrity and business conduct that all Company directors, officers, employees, and independent contractors must uphold and follow. The Code is provided to help you understand what the Company expects of you and should be read carefully.

ATTN: ALL UA AGENTS
As previously communicated, UA is pleased to announce the addition of our UA Partners Optional Noninsurance Discount Medical Program to the iGO e-App®. For UA Medicare Supplement policyholders, UA Partners includes "Automatic" Claims Filing® (ACF). With ACF we receive Medicare claims filing paperwork electronically and are able to process the benefit check for the healthcare provider, often before the policyholder receives the Medicare Summary Notice.

Agents using the e-App will now see the 'Optional Products/Service' page for the UA Partners Optional Noninsurance Discount Medical Program when entering their cases (in states where available). It only takes one click of the mouse to add UA Partners to your customer's case.

As always, Agency Service is available for any questions, but should you have additional questions or comments contact e-App Director Dave Oliver at 352-212-7223. or droliver@torchmarkcorp.com.

ATTN: CA, IL, IN, KS, LA, MD, MN, OR, TN, TX, AND VT AGENTS
As recently communicated, we are pleased to announce the approval of UA's Juvenile Whole Life product in California, Illinois, Indiana, Kansas, Louisiana, Maryland, Minnesota, Oregon, Tennessee, Texas, and Vermont.

This product enables you to offer added protection to your customers age 0 to 18. Benefits range from $1,000 to $25,000, and the Terminal Illness Accelerated Death Benefit is added at no additional premium, where state approved.

Log on to the Agent website to download the Marketplace Bulletin for training; check the Life Approval Chart for ABR1 availability; and go to the Compliance Sheet to download sales materials, rates, and required forms.

ATTN: VIRGINIA AGENTS
As communicated earlier, we are pleased to announce the approval of UA's Final Expense Whole Life product in Virginia.

This product enables you to offer added protection to your customers age 50 and above, though age limits vary by plan. Benefits range from $1,000 to $25,000, and the Terminal Illness Accelerated Death Benefit (ABR1) is added at no additional premium to standard plan codes (FER/FES), where state approved.

Log on to the Agent website to download the Marketplace Bulletin for training; check the Life Approval Chart for ABR1 availability; and go to the Compliance Sheet to download sales materials, rates, and required forms.

AND THE WINNER IS ...
Congratulations to Agent Scott Schwartz, the February winner of the $250 gas card!

INTEREST RATES SET
The Lifestyle Annuity rate for April 2015, is 3.00 percent. Rates are reviewed and adjusted accordingly. The Deposit Fund Rider new business interest rate for 2015 is 3.00 percent.