With unemployment remaining high, there are a multitude of experienced and talented individuals in the recruiting pool. We utilize internet job sites and newspaper ads to reach new recruits, and the response is enthusiastic. In fact, UA downloads more Monster.com resumes than any company in the nation, according to Monster.

Expansion capabilities are virtually limitless, both in terms of sales force and production potential. Agents are able to use more than 20 different lead programs within several markets: Med-Supp, Underage Health, Life and soon Worksite Marketing. There are 76 million Baby Boomers approaching retirement and Medicare eligibility. There are 82 million underage-65 individuals who have been uninsured for some part of the last 2 years (in fact, most of these were uninsured for at least 9 months) – as we all know, thousands of small businesses can no longer afford to offer health insurance to employees. And middle-Americans have a proven need for more life insurance. That’s a nearly limitless market for expansion!

Recruiting and promoting are good for both you and the Company because they demonstrate your true participation in UA’s wonderful income opportunities, in personal growth for you and your team.

Why should an Agent desire an appointment as Unit Manager? The answer is obvious! It pays extremely well, and it’s a great leadership position. If you’re out in the field anyway generating strong production, have good persistency, can recruit to our opportunity, and desire to lead others, why not? If you have someone with you to witness how you generate your production, they can learn from your expertise! As seen below, in addition to your Agent earnings, you receive a Unit Manager’s advance override. On top of this, Unit Managers also receive an additional production bonus based on each Agent in your unit who produces at least $10,000 of net AP during a monthly period. Becoming a Unit Manager can provide you with a substantial income increase each month, which can be far in excess of personal production earnings.

The reasons are basically the same for moving from Unit Manager to Branch Manager. It also pays exceptionally well, based on the production of the Branch. Direct Bill and Monthly Bank Draft advance commission loans are appealing for Branch Managers. See chart below.

In addition to exceptional advances, Branch Managers may also receive up to 100% deferred compensation match from UA up to 10% of income. Participation in UA’s group health insurance program is also offered to Branch Managers. Agents and Unit Managers should sit down with their Branch Managers to use the Income Calculator available on UAONLINE and work out various production and earnings scenarios for these positions. The new contracts which have been in place for nine months have substantially increased earnings potentials for Unit and Branch Managers. In fact, our leading BM recently told a group at his branch that his monthly earnings in the first 9 months of his new contract had already exceeded his monthly statement from his old one, which had been in place since 1992. That’s impressive; obviously he’s taking full advantage of his new income opportunities and recently promoted one of his Unit Managers to Branch Manager as a reward; of course, his Agents excitedly lined up to apply for a unit of their own. That’s how it should work!

Why are people afraid to recruit or promote? Agents may be afraid of losing leads to new producers and Managers sometimes fear reduced override when talented people move up. Lead volume should not be a concern for Agents – doesn’t it stand to reason that if you can generate greater production from an increased sales force, you generate more funding for more leads? The lead funding for every branch is based on a set percentage of total net annualized premiums written, whether it is from one app or one hundred. Managers should not fear promoting people either. If someone is assisting their Unit Manager in recruiting and training to get promoted, doesn’t a greater override result from the new producing agents that have been added to the unit by the Agent seeking the promotion? If a Manager has low recruiting numbers and promotions, it might be a fear of responsibility and failure, not for themselves, but for others. Perhaps they’re afraid they can’t make everyone successful - they’re absolutely right. None of us can. All any Manager can do is provide guidance on effective training, spur motivation on recruiting and present resulting opportunities as often as possible to the deserving. The rest is up to the person desiring to get ahead – either they will have the responsibility to achieve the activity and results necessary to successfully move up again, or won’t.

If you give everyone opportunities to succeed, you will promote a continuing culture where everyone progresses – and those benefiting from such a system will do whatever they can to provide that same opportunity for others. Promoting other people’s interests gets everyone excited about the potential for progress at United American, breeding more excitement, leading to increased sales and training activity with outstanding financial rewards for
all concerned!

Open your doors of opportunity with UA! When we look at UA’s dramatically growing markets, we soon realize we’re heavy in opportunity, but light in management help. The restrictions in territories mandated by other companies only come from their having limited lead and recruiting resources. At UA, we do not have their limitations on territories nor do we restrict the ultimate size of any sales force. Without a shadow of a doubt, UA’s resources of people, products and prospects are unparalleled in the industry. It is time to take greater advantage of these resources as leaders and take everyone with us to the next level as incomes continue to increase in management. To do so, we must have capable people step forward and assist us to this next level. Share in our "opportunity wealth" - become like our Leadership Development Board members in freely providing better income opportunities to others, and you’ll see your organization blossom too.