Sometimes, we’ve been doing the Med-Supp song and dance so long we forget how the tune goes. Many of us are so familiar with ProCare we could sell it in our sleep; however, some of the new Agents may never have presented ProCare at all. But, whether you’ve sold it once or a hundred times, it’s always good to keep our skills sharp. As we enter the last quarter of 2003, I thought I would take this opportunity to review why UA’s ProCare products are a great choice for your Senior customers.

So, why buy UA? Let’s recap:

Stability. United American has long enjoyed a reputation as a financially sound company that is there when our Senior customers need us most. Our reputation is bolstered by our ratings. For over 30 consecutive years, UA has been favored with an A+ “Superior” rating for overall financial strength by A.M. Best (as of 6/03). Additionally, UA is rated AA “Excellent” for overall claims-paying ability by Standard & Poor’s (as of 9/03). Seniors know that they are making a sound investment when they choose UA.

Ethics. It is UA’s philosophy to do what is best for the Agent, for Policyholder, and for the shareholder. If any one of these groups does not benefit from a UA decision, we simply do not do it.

Quality. All of UA’s Medicare Supplements are guaranteed renewable. Your customers’ ProCare policies cannot be canceled or non-renewed as long as premiums are paid on time. This is because UA’s rates are based on actuarial assumptions, not the competition. UA policyholders have a lifetime partnership with us.

Freedom & Flexibility. UA never forces our customers to choose from a list of doctors or hospitals. Our policyholders are free to see any care provider of their choice. Additionally, UA is able to offer most Seniors a choice of Attained Age or Issue Age premium structures. This is just one more way UA seeks to create the most positive choices possible for your clients.

United American has been involved in the Senior market since the inception of Medicare. UA’s commitment to the Senior market remains strong. We’ve been a reliable partner for your Senior customers, and we will continue this focus on Seniors for many years to come. We’ve been here when our current customers needed us and will continue to focus efforts in our Senior Market sales — especially with the dramatically increasing numbers of Seniors retiring. As 77 million more new retirees are headed our way right now, exciting times are in store for us! Every new Agent should take full advantage of this growth market, as so many others do now. Some of our best veteran Agents have approached in force premiums in the $1 million to $2 million range, and our best will attest, Senior sales will dramatically increase your renewal earnings too.