November 2O15
COACH’S CALL
The news and ideas magazine for the Independent Agents of United American and First United American Life Insurance Companies
COMMUNICATIONS
SUPERVISOR
Kaley Lockaby
EDITOR
Gay Falkowski
GRAPHIC DESIGNER
John Begg
EMAIL
[email protected]
to update information for Summit or
to submit news for the Editor’s page.
HOME OFFICE
972-529-5085
FIRST UA
315-451-7975
(Agent use only)
AGENT SERVICE CENTER
800-925-7355 or email
[email protected]
WEBSITES
unitedamerican.com
unitedamerican.com/logon
firstunitedamerican.com
firstunitedamerican.com/office
WRITE NEW BUSINESS
FASTER AND EASIER
Great news! UA has developed new Life App-Packs to
make writing new business faster and easier. Life AppPacks for Final Expense Whole Life and Juvenile Whole
Life (UAI3176 and UAI3178 respectively) contain the
application, HIPAA Authorization, bank draft form, state
special forms, Applicant Acknowledgement form, and
fax cover sheet, neatly wrapped in a four-color brochure.
The Home Office copies of the forms are signed and
returned to the Home Office with the application and
the applicant keeps the rest of the booklet. Order Life
App-Packs for your state using the Automated Supply
Order Form on UAOnline (unitedamerican.com/logon).
UA’s Privacy and Disclosure Information booklet, UAPDI
is no longer required with life applications UL14 or
JUV14, provided the Applicant Acknowledgment Form
and each state specific form from the Life App-Pack is
completed, signed and submitted with the application.
ATTN: MONTANA AGENTS
Montana’s Commissioner of Insurance has mandated a
“catch up” period for disability Medicare Supplement
applicants who were enrolled in Medicare Part B prior to
the 2013 requirement that extended Open Enrollment
to those eligible for Medicare due to disability.
This is a one-time Open Enrollment from October 15
through December 7, 2015 for individuals who meet the
following criteria:
yy Those who were enrolled in Medicare Parts A and B
due to disability PRIOR to October 18, 2013.
yy Those who did not previously apply for coverage or
were denied coverage (the applicant cannot have
dropped another Medicare Supplement to take
advantage of this Open Enrollment opportunity).
An applicant who qualifies for this “catch up” Open
Enrollment will have pre-existing conditions waiting
period waived. The applicant is eligible for all Plans
offered in Montana.
Please contact Agency Service at 1-800-925-7355
or email [email protected]
with questions.
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.
2
LIFESTYLE ANNUITY RATE
The lifestyle annuity rate for November 2015 is 3.00%.
November 2O15  COACH’S CALL
UNDERWRITING REMINDERS
Underwriting rules related to the forms/notices required
at the time of application are in place to protect the
applicant and the Agent. Applications submitted
without the necessary forms/notices are placed in
pending status until open issues are resolved. Policies
cannot be issued for applications in pending status
meaning commissions are not paid unless and until
policies are issued. Please review the following key
points related to new business submission and recent
updates to new business requirements for life insurance
applications to make sure your business is getting
submitted quickly so you can get paid quickly!
yy Always refer to the UA Compliance Sheet for
the current requirements for the state in which
the applicant resides and the application will
be signed.
yy Be sure the Home Office has your current email
address for you to receive underwriting related
memos via the quickest means possible.
yy Refer to the Training and Products
sections of UA General Agency Office
(unitedamerican.com/logon) for more information.
CONGRATULATIONS TO
SEPTEMBER WINNER
Congratulations to September winner Chris Graham!
His prize is a Daniel Steiger Alphagraph Watch.
“As a recent college graduate
and new Agent, I am more than
thrilled to be working with such a
great company. United American
has been supportive and supplied
me with all the tools I need to be
successful. I am looking forward to
my future with United American.”
Chris Graham
WORDS
OF WISDOM
“Starting strong is good.
Finishing strong is epic.”
~Robin Sharma
FROM THE:
COACH’S CORNER
Anyone who’s ever been in a football
stadium as the scoreboard clock ticks
down has felt the incredible energy that
fills the air during the final moments of
a close game. The crowd roars, players
hustle, coaches run up and down the
sidelines calling in plays — there’s
nothing else like it. But I’d venture to
say the last few weeks of AEP can come
close, at least in sheer intensity, to those
final football moments. Many of you
know what it’s like to make a last big
push, to hurdle over obstacles, and run
up the score. AEP ends on Dec. 7. Are
you starting to feel the rush? If so, use
that momentum to drive your activity
to a strong finish.
COACH’S CALL
While you’re out there working hard in
the field, UA ‘coaches’ are pulling out
all the stops to give you every scoring
advantage. Most recently, we’ve made
an unprecedented move to help you
write new business and maintain high
persistency late in the game. New
ProCare HDF Policyholders with a
policy effective date October 1, 2015
and after, will only be required to pay
$780 in out-of-pocket expenses of
the $2,180 annual deductible amount
during the remainder of 2015 before
policy benefits are payable by United
American. How’s that for incentive?
We’ve made the call, now it’s up to you
to get out there and make the big plays.
Another way UA offers sideline support
is through our national advertising
program. UA’s ads appear in some of the
industry’s most esteemed and highly
circulated publications – Broker’s World,
National Underwriter, and California
Broker, to name a few. Such ads not only
help UA increase credibility and brand
familiarity, but they also assist Agencies
bring in new recruits.
DIALING IN
Of course, it’s not all on us here in the
Home Office. You’ve got to seek out
coaching when you need help. Visit UA
General Agency Office online and dial
into the fantastic training opportunities
available to you. We’re always coming
up with new topics to help improve
your performance during AEP and all
year long. Our newest addition to the
UA webinar series is an instructional
presentation on screen sharing and
how you can use this technology to sell
remotely. Director of e-Applications
Dave Oliver makes the process look
easy. For a sneak peek, check out pages
eight and nine of this issue.
Medicare Advantage plans beginning
January 1, 2016, according to our latest
statistics. 250,000! What an incredible
opportunity you’ve been given. Step in
and pick up the ball; show them how
a UA ProCare Medicare Supplement
Policy can fill their needs. As one of the
greatest football coaches of all time,
Tom Landry, once said: “A winner never
stops trying.”
Dave is a perfect example of the
difference a great coach can make. For
those of you who missed his memo
on the seven common mistakes made
when filing an application, we’ve
shared them again in this issue. Don’t
get tripped up by being careless when
you’re barreling downfield.
YOU’VE GOT THIS
The best coaches motivate their teams
to play harder, and give more when
they don’t think they’ve got anything
left. I’ll leave you with a fact I hope
will inspire you to run the best twominute drill of your life. It starts with a
number – 250,000*. That’s how many
people will be dropped from their
*The Centers for Medicare & Medicaid Services: The September
2015 Monthly Enrollment by Plan file and The 2016 Crosswalk file.
Charles Mankamyer
Senior Vice President / General Agents
COACH’S CALL
 November 2O15
 3
WELCOME TO
UNITED
AMERICAN
Abbate, Peter
Abron, Cassandra
Acevedo, Gerson
Acevedo, Jonathan
Acevedo, Ruth
Acosta, Isabel
Adams, Crystal
Adams, Jemeel
Ahoia, Patricia
Alexander, Gerald
Allen, Judith
Allison, Linda
Alvarado, Luis
Alvarez, Jose
Anaya, Daniel
Andrews, Lauren
Anthony, Louis
Appleby-Blome, Erna
Aranda, Benjamin
Arnold, Christopher
Arnold, Felicia
Arnold, George
Arredondo, Elva
Artis, Tranece
Asbell, Steven
Ashby, Nelson
Augusta, Frank
Bacerra, Luv
Bailey, Kathy
Bandy, Samuel
Barcel, Larry
Bartsch, Stephen
Beck, Alan
Belk, Reginald
Bell, Julia
Bellew, Tiffany
Benefit Pro Insurance
Services, Inc.
Bennese, Dominick
Bennett, Shraryn
Berman, Christen
Bernhardt, Connor
Berrier, Phillilp
Berry, William
Bijapuri, Shakira
Billings, Robert
Bingham, Bobby
Blacklidge, Raymond
Blake, Karla
Blose, James
Bolaris, Stephen
Bollinger, Judy
Brady, Tina
Bramlett, Doreen
Brinkman, Michael
Bronson, Michael
Brooks, Valerie
Brown, Darius
Brown, Douglas
Brown, Heather
Brown, Linda
Brown, Paul
Brown, Robin
Brubaker, David
Bruns, Patrick
Bryant, Kristin
Budar, Richard
Bui, Elaine
Burch, James
Burgin, Joe
Burgos, Carlos
Burstein, Irving
Busby, Donald
Byron, William
Cabezzas, Donaldo
Caffey, Joseph
4
Caldwell, Jerry
Camacho, Gabriel
Campana, Jimmy
Carlyle, Janie
Carpenter, Tyrone
Castilla Sr., Tulio
Chaffin, Thomas
Chalmers, John
Chambers, Alando
Chang, Kaili
Chaplin, Michael
Chapman, Michele
Charles, Jean
Chavez, Rigoberto
Choi, Eugene
Christensen, David
Christensen, Eunis
Clacks, James
Clark, Holly
Clark, Michael
Clark, Yolanda
Coates, Thomas
Collins, Joseph
Collor, Donald
Comeau, Serge
Conte, Steven
Copeland, Anne
Copeland, John
Cordero, Arayansi
Cougill, Carene
Courtney, Palice
Craig, Constance
Croomes, Owen
Cruz, James
Curtis, Herman
Czornyj, John
Dagion, Sherri
Dahdah, Cheikh
Dang, Nancy
Davey, Chris
David, Jerry
Davila, Clistenes
Davis, Lavonne
Davis, Pamela
Davis, Pamela
Davis, Pamela
Davis, Vanessa
Decker, Denise
Dempewolf, John
Depp, Bennie
Didier, David
Digennaro, Antimo
Dinin, Maxine
Dinsmore, Dennis
Dipego, Michael
Disabato, Julia
Dixon, Kimberly
Donovan, Joseph
Dorr, Jackson
Draper, Ronald
Dubowy, Gary
Duran, Brian
Dutter, Peter
Eatmon, Arnold
Eddings, Jennifer
Edmondson, Robert
Edmunds, Lilly
Eliesen, Lou
Emerson, Orville
Erickson, Alan
Evans, Ariadna
Everett, Judith
Faigen, Steven
Feingold, Cristina
Ferguson, Deborah
Ferreri, Lisa
Financial Technology, Inc.
Findura, Deborah
Finelli, Sandra
Finster, April
Fiscus, Jason
Fisher, Battle
Fisher, Paul
Fletcher, Cameron
Flowers, Robert
Foertsch, Sandra
Frame, Cherry
Francois, Jean
Franklin, Yvette
Franz, Lawerence
Frohman, Jules
Fuhst, Paula
Gaines, Kevin
Galicia-Lona, Elsa
Gallico, Fred
Galvan, Hector
Garner Sr., Richard
Gata, Florence
Gaynor, Missy
Ghannam, John
Ghomghaleh, Mozaffar
Gibb, Delores
Gill, Gregg
Gill, Laurance
Glasgow, Joseph
Goldberg, Mark
Goldin, Bruce
Gorden, Ron
Graham, Emmett
Grant, Jeffrey
Grigsby, James
Gunn, Kevin
Gutow, Steven
Hailey, James
Hakli, Kenneth
Hall, Alysia
Hammond, Rudy
Hand, Harold
Hankins, Sandra
Hankins, Terry
Hanson, Darcy
Harmon, Stacey
Harrelson, Tyler
Harris, Douglas
Harris, Ronald
Hartfield, Lawrence
Harvey Ins Agency, Inc.
Hawkins, Stanley
Henderson, Cornell
Herard, Nicodeme
Herbst, William
Herzig Jr., Walter
Higgins, Jerry
Hoang, Cuong
Holliday, Wayne
Hooper, Stephen
Howington, Carl
Hummel, Randy
Hutton, James
Ibarra, Carla
Ireland, Pamela
Izzo, George
Jacobson, Ted
Jarvis, Edie
Jeffries, Renee
Joelson, Iner
Johnson, Bj
Johnson, Bonnie
Johnson, Cynthia
Johnson, Kenyon
Johnson, Mark
Jones, Christoffer
Jorg, John
Juarez, Gricelda
Kaczmarek, Thelma
Kageff, Thomas
Kahler, Robert
Kanakaris, Mark
November 2O15  COACH’S CALL
Kasabov, David
Kaserman, Bruce
Kastel, Barry
Kaufman, Joseph
Keating, Joseph
Kessel, Phillip
Key, Connie
Kikoen, David
Kim, Chang
Kinder, Margaret
Kingstone, Maisa
Kirshner, Edward
Knust, Gary
Koch, Michael
Kotick, Arnold
Kraja, Ruzdi
Kremer, Julie
Krueger, Doug
Kuforiji, Olubusola
Kuzenko, William
Kwon, Suk
Lachance, Ruth
Ladd, David
Lamdan, Shirley
Landry, Bruce
Laney, Mailoan
Langley, Kenneth
Lau, Mark
Lawson, James
Ledezma, Angelica
Lee, Cheng
Lee Jr., Wilbert
Lee, Sung
Lehman, Mark
Leon, Charles
Leriger, Donald
Lesh, Robin
Lesher, Donald
Levin Jr., Donald
Levin, Donald
Levine, Steven
Lewis, Jack
Liew, Lai
Lindemann, Fasce
Lindquist, John
Lipper Jr., Robert
Litvin, Harvey
Lively, Herbert
Lloyd, David
Loczi, Judit
Loftis, James
Lowe, Robert
Luber, Malcolm
Lynch, Jerry
Maigarie, Stanley
Malley, Jeffrey
Marks, Joanne
Marlow, Scott
Marsh, Carlington
Marshall, Theresa
Martin, Amarilys
Martin, Dan
Martin, Timothy
Martinez, Gabe
Mason, Linda
McCoy, Azuree
McGriskin, John
McGruder, Annamarie
McGuire, Jean
McKown, George
McMillon, Ericka
McNary, Barbara
Mears-Morris, Lisa
Mecham, Keith
Medina, Yuri
Mestan, Joseph
Miles, Troy
Miliucci, Dino
Milligan, Jerry
Mills, Briant
Milton, Theresa
Mixon, Terry
Mondragon, Jorge
Monterrey, Rafael
Montiel, Fermin
Moss, Richard
Muhler, Kathie
Murata, Jane
Muriel, William
Murray, Robert
Murray, Willoughby
Nance, Clemencia
Naval, Lolita
Nelson, Tamara
Ngin, Richard
Nguyen, Ken
Nguyen, Lily
Nixon, Benjamin
Noll, Edward
Ochoa, Cesareo
Okuns, Nadine
O’Neil, David
O’Toole, Robert
Pabon, Rosa
Pagliughi, Robin
Patel, Manoj
Pearson, Harriette
Pedram, Jamshid
Pedroza, Wilfredo
Pennington, Joshua
Perez, Albert
Persyn, Robert
Peskoe, Bruce
Peters, Dave
Pham, John
Pham, Nguyet
Pham, Son
Plageman, Adam
Podjasek, Bridgette
Pollock, Edward
Ponce, Manuel
Ponce, Maria
Powell, Brian
Pribish, Andrew
Price, Joseph
Professional Mass
Marketing Int’L, Inc.
Prossen, Lawrence
Pyszka, Mark
Quach, Thi
Ragle, Brian
Rahal, Mustapha
Rainbird, Gloria
Raines, Walter
Rajora, Paritosh
Ramirez, Rosalyn
Ramirez, Yvette
Ramsubick, Lloyd
Rastegar, Tina
Rea, James
Rebholtz Jr., Robert
Reshard, Leroy
Revell, Shelby
Reynolds, Eugene
Richmond, Paul
Ricks, Elliot
Rietzen, John
Rigaud, Patricio
Rightsell Jr., Howard
Rivera, Oswald
Roberts Jr., Donald
Robinson, David
Robinson, Kay
Rock, Theodore
Rogala, Tom
Roig, Seth
Roland, Jerry
Roncagliolo, Jean-Carlo
Rosenbaum, Robert
Ross, Brian
Ross, Kenneth
Rowell, John
Rubenstein, J.
Rubman, Jay
Rucker Jr., Hubert
Rupani, Rozina
Russell, Anthony
Russell, Stanley
Rutan, Nathaniel
Rydberg, Deborah
Sandoval, Veronica
Sapp, Catherine
Sather, Mary
Savarese, Anthony
Sawyer, Timothy
Scallion, David
Schau, Irvin
Scheer, Gary
Schmidt-Krebs, Mary
Schoen, Alan
Scott, Daniel
Scott, Lamaris
Scott-Price, Sherri
Senick, Jason
Serrani, Gary
Sexton, John
Sheikh, Saghir
Shoemaker, Larry
Sickles, Jodella
Singh, Bimlesh
Singh, Trilochan
Sirisant, Philip
Slaughter, Colleen
Smith, Antoine
Smith, Bonita
Smith, Carolyn
Smith, Drenette
Smith, Winston
Smyth, Charles
Sorce Jr., Ted
Soucy, James
Sowers, Harvey
Spence, Monica
Stafford, Garry
Staley, Joseph
Stallings, Lance
Stewart Sr., Louis
Stiggers, Karen
Stoltz, David
Stoltz, Maria
Storms, Robert
Stout, Kathy
Sublet, Cynthia
Suerte-Felipe, Virgilio
Swift, Lawrence
Swoy, Richard
Sympson, Maryann
Tabb, Robert
Talbot, David
Taylor, Alvin
Taylor, Pamela
Tennant, Kathryn
Teriet, Frank
Tew, Shara
Thielmann, Jerome
Thomas, Frank
Thomas, William
Thommen, Thomas
Thompson, David
Thompson, Fred
Thompson, Lori
Thomson, James
Tidland, Tedford
Tirona, Manuel
Todd, Michael
Topinio, Reyna
Tottleben, William
Townes, Stuart
Tran, Kiet
Treadaway, Robert
Tremblay, Gregory
Trester, Edward
Trujillo, Jose
Trull, Janice
Tsuzaki, Gary
Turner, Terri
Umanzor, Kristen
Umstead, Alan
Upton, Marcus
Uttech, Michael
Valdez, Joseph
Valentine, Vicky
Valenzuela, Martha
Vanbaalen, Henry
Vassey, Kelly
Venable, Bernice
Victor, Weiner
Vidal, Manuel
Vienne, Francine
Viens, Larry
Villafuerte, Edgar
Villafuerte, Laura
Vitelli, Mark
Wallace, Dennis
Warren, Courtney
Watson, Natalie
Watt, Alan
Watt, Charles
Weitkamp, Eric
Weltin, Melissa
Werner, Michael
Westbury, Larry
White, Alicia
White, Randall
Whittlesey, Ann
Wilberforce, Archie
Wilhelm, James
Wilkins, Henry
Williams, Edward
Williams, Robert
Williams, Vicky
Wilson Jr., Milphew
Wilson, Traci
Wilson, Yolanda
Winbush, Donald
Windes, Frank
Wood, Janice
Woodside, Bettyann
Wright, Saundra
Wyche, Carolyn
Wynn, Yolisa
Yacoub, Yacoub
York International
Agency, LLC.
Young, Robert
FIRST UNITED
AMERICAN
Alexander, Robin
Altschuler, David
Baptiste, Wilfrid
Bauter, Kevin
Catalano, Ralph
Creative Business
Solutions Group
Dallo, Geralyn
Deluca, Anthony
Denezzo, Ron
Edwards, Dennis
Faurot-Pigeon, Galen
Gavin, Thomas
Gonzalez, Yahaira
Hicks, Hulda
Idrees, Marghoob
Ilic, Deborah
Jacobowitz, Oded
Jenners, Joseph
Johnson, April
Johnson, Earl
Kaminska, Gary
Khottavong, Jim
Maisonave, Fernando
Manetta, Anthony
Masterson, William
McAdams, Barbara
McDonald, Patrick
Morgan, Leslie
Northern, Timothy
O’Marra, Thomas
Reinstein, Philip
Renert, Jordan
Rivera, Melvin
Rodgers, David
Ruggio, Gino
Scahill, Christina
Schaible, Ryan
Shafir, Michael
Shaughnessy-Palmiter,
Colleen
Silverio, Maria
Soden, William
Testa, Nicolo
Weidenman, J. K.
Werner, Roger
AEP INCENTIVE CONTEST
October 15 – December 11
United American's Score Big AEP Incentive Contest is heating up! Are you in the game? AEP is
the biggest Medicare season of the year and it’s a perfect time to increase your sales and earn
one of four great prizes.
Contest Details
Winners will consist of the top three Medicare Supplement insurance personal
producers during AEP, Qualification period ­— October 15 through December 11*.
ST
1
PLACE
ND
2
PLACE
2 night trip to Dallas,
Texas, 2 tickets to
a Dallas Cowboys
football game, and
dinner hosted by
Chuck Mankamyer
Randy White
Autographed
Football Helmet
RD
3
PLACE
Randy White
Autographed
Football
*AEP ends Dec. 7 but the contest runs through Dec. 11.
Rookie Award: An autographed Randy White football will also be awarded to the top First Year Agent in 2015
who writes the most Medicare Supplement business from October 15 – December 11.
Randy White is a paid spokesperson for United American Insurance Company. Contest is for existing, appointed United American Agents. Only personal production on Medicare Supplement Insurance
business issued within the contest period (OCT. 15 through DEC. 11, 2015) will count towards the incentive. Contest not available to Washington State Agents or New York Agents. For First Place
winners, UA will fly you and one guest to Dallas and pay for a two-night stay at a hotel chosen by UA. Does not cover meals charged to the hotel and/or hotel incidentals. Dinner will be hosted by Chuck
Mankamyer and breakfast is included at the hotel. Transportation to and from the airport to the hotel and AT&T Stadium will be covered. Flights will be scheduled by UA following the contest end. The
First Year Agent production incentive applies only to new Agents in their first year with the Company appointed after DEC. 11, 2014. Prizes awarded pursuant to this incentive to eligible winners are not
transferable, redeemable for cash or exchangeable for any other prize. The NFL, Dallas Cowboys, and AT&T are not participants or sponsors of this contest.
COACH’S CALL
 November 2O15
UAI3257A 0915
 5
7
7
7
Coach Dave's
Top
Issues that Delay
Application Processing
FAXING CHECKS
INSTEAD OF MAILING
1
MISSING OR INCORRECT
AGENT INFORMATION
2
If the applicant elects bank draft,
complete the necessary paperwork
and submit the application on iGO
e-App® or fax a paper application.
If the applicant submits a premium
check do not fax the application.
Mail the paper application, along
with the applicant’s check.
Agent information is critical for
processing applications as well
as giving proper credit for the
sale. Three main areas must be
completed:
yy Agent number
yy Agent signature
yy Agent last name
If you don’t have an Agent number,
don’t markPART
‘pending’
in this section.
V: AGENT CERTIFICATION

The application will be submitted


once you’ve been licensed and

appointed. Using iGO e-App® will
 
ensure applications are completed
 
correctly. 
One of the big advantages of being on ‘Team UA’ is
that your support crew always looks for ways to help
you improve performance and increase production. For
example, when Director of e-Applications Dave Oliver
INSURANCE * UNITED AMERICAN INSURANCE COMPANY
noticed
applications were getting hung up becauseAPPLICATION
of FOR MEDICARE SUPPLEMENT
A LEGAL RESERVE STOCK COMPANY
APPLICATION FOR MEDICARE SUPPLEMENT INSURANCE * UNITED AMERICAN INSURANCE COMPANY
A LEGAL RESERVE STOCK COMPANY

certain, common issues,
he made a list to share
with



Agents.
As ‘Coach Dave’ notes, many of these
issues can


be
avoided by using the iGO e-App®. It’s never too late




in
the game to attend an e-App certification webinar!



Sign
up at the UA General Agency Office website.



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





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


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


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











3
MISSING APPLICANT
SIGNATURES AND
WHERE SIGNED
INFORMATION
The Home Office cannot process
applications that do not have the
city/state where the applicant signed
the application and their signature. 
-
APPLICATION FOR MEDICARE SUPPLEMENT INSURANCE * UNITED AMERICAN INSURANCE COMPANY
A LEGAL RESERVE STOCK COMPANY
APPLICATIONS ARE
TOO DARK OR LIGHT
5
Make sure the application is not
filled out too dark or light. It will

APPLICATION FOR MEDICARE SUPPLEMENT INSURANCE * UNITED
APPLICATION
AMERICAN INSURANCE
FOR MEDICARE
COMPANY
SUPPLEMENT INSURANCE * UNITED AMERICAN
INSURANCE COMPANY

A LEGAL
RESERVE
COMPANY
A LEGAL RESERVE STOCK COMPANY
often
beSTOCK
more
distorted once it’s



printed, and even more distorted




 


when 
it’s
scanned
into
the reader















system. 















J OE




✖





SM I T H












J OE





SM I T H


✔












 
November 2O15
COACH’S CALL

 
 



6
Initials of
Proposed Insured
INCORRECT
APPLICATIONS
Signature (as it appears on bank records)
If premium is not received, the
policy cannot be put in force. If
the bank draft authorization is not
submitted, the applicant cannot be
set up for recurring payments. 
-
,
 
.
$
,

Use the correct form code. Double
check the state code and determine
whether or not a disability or
overage application is necessary.
This is very important. Again, using
the iGO e-App® will ensure the
application is completed accurately.




Agent mails completed application and required forms to the home office:
United American Insurance CompanyAUTOMATIC PAYMENT PLAN AUTHORIZATION
All premiums may be automatically withdrawn from my account on MONTHLY mode,
P.O. Box 8080 
unless a different mode has been selected on the application.
McKinney, TX 75070-8080
Fax: 972-569-3678 or 972-767-4462
Date


6


4
APPLICATIONS
RECEIVED WITHOUT
INITIAL PAYMENT
OR WITH ONLY A
VOIDED CHECK
,
.


.
-
$
,
.
6208

6208

Initials of
Proposed Insured
7


MISSING BARCODE,
SCAN INDICATORS, AND
APPLICATION BOXES
Anything that obscures or alters
the barcodes or the boxes on the
application can make the application
unreadable. All barcodes must
be visible and all pages must be
received for applications to be
processed. 
✖

ATTACH
APPLICANT'S VOIDED PERSONALIZED CHECK HERE
Tape, do not staple. Do not cover the Form ID in the lower right corner.
PLEASE READ BEFORE SIGNING AUTHORIZATION ABOVE:
As a convenience to me, I hereby request and authorize you to pay and charge to my account, checks
or electronic debits drawn on my account by and payable to the order of the United American
Insurance
Company, McKinney, Texas, provided there are sufficient collected funds in said account to

pay the same upon presentation. I agree that your rights in respect to each such check or electronic
debit shall be the same as if it were a check drawn on you and signed by me. This authority is to remain
in effect until revoked by me in writing, and until you actually receive such notice I agree that you shall
be fully protected in honoring any such check. I further agree that if any such checks or electronic
debits be dishonored, whether with or without cause and whether intentionally or inadvertently, you
COACH’S CALL
 November 2O15
 7
COACH CHUCK'S
4TH QUARTER CALL
REMOTE SELLING
MAKE IT YOUR
NEXT GAME CHANGER
Technology isn’t the first word that comes to
mind when you think of sports, but when you
look at the big picture, technology can play a big
factor in the game. Technology provides sports
analysis for coaches and trainers, tracks the stats
and activities of our favorite players during the
game, and sometimes has a direct impact on the
final score (think instant replays).
Technology can also be a game changer for
your sales strategy. The technique UA uses is
called screen sharing and it allows you to sell to
individuals all over the country from the comfort
of your home or office, using a practice known
as ‘remote selling’.
WE’VE GOT YOU
COVERED
While remote selling is nothing new, what is new
is UA’s webinar ‘Remote Selling: Using Screen
Sharing Effectively with our iGO e-App®’ presented
by our Director of e-Applications, Dave Oliver.
8
November 2O15  COACH’S CALL
In this live webinar Dave shows how easily you
can use screen sharing to become successful
giving presentations and closing sales. You’ll
get tips on:
yyMaking the appointment
yyUsing the iGO e-App®
yyScreen sharing programs such as
GoToMeeting, Skype, Mikogo, join.me and
Screenleap
yyProjecting a professional image
yyContent presentation
yyImportant reminders on verifying state sales
regulations and product permissions
SCHEDULE
Remote Selling: Using Screen Sharing
Effectively with our iGO e-App®
When: Every Friday (except Nov. 27) from
now until Dec. 18, 2015.
Time: 10 a.m. – 11 a.m. Eastern
9 a.m. – 10 a.m. Central
7 a.m. – 8 a.m. Pacific
GET THE
COMPETITIVE EDGE
Remote selling saves time and money, and
keeps down the mileage on your car. It’s the
most efficient way to sell. Less time on the
road leaves more time for prospecting, writing
more business, and last but certainly not
least … making more money! Many of your
prospective and existing clients will also enjoy
the convenience of remote selling and the ease
of a ‘non-invasive’ appointment.
MAXIMIZE
YOUR OUTREACH
With the capacity to screen share, referrals are
no longer confined by your geographic location.
You can serve your clients’ friends and family
who live in other parts of the country (provided
they also have the needed technology and
you're licensed and appointed, if required in the
state). For potential clients wanting to find an
Agent through someone they trust, you’re just a
mouse click away.
DAVE OLIVER, DIRECTOR
OF E-APPLICATIONS ON
REMOTE SELLING:
“
Our Agents can now do business
with clients in any state without
traveling. When I was an Agent, it
would be nothing for me to drive an
hour, two hours, three hours, or even
sometimes more to do a single case,
turn around, and come back. The gas
money and the wear-and-tear of the
vehicle is one thing. But the more
important thing was the time aspect –
that non-productive driving time,
when I could have spent more time
prospecting or could have spent doing
more business. That’s what really cost
me the money – that’s the intangible
which is hard to see but is there.
”
COACH’S CALL
 November 2O15
 9
Jon Ahlbum
The Ahlbum Insurance
Group, Inc.
$3,427,770
1
2
3
4
5
10 
Mike Lemar
Sunshine State Agency
$1,448,913
William Borosak Jr.
Secure Financial
Group, LLC
$1,287,878
Catherine Hatton
Long Island Insurance
Solutions
$1,075,895
Edward Shackelford
The Assurance Group, Inc.
$978,287
PRESIDENT'S CLUB
PACESETTERS CLUB
Through October 2015, these top producing General Agents
and Agencies have the highest net combined annualized
premium. They qualify to attend the annual Convention based
on Company production and retention requirements.
Through October 2015, these top producing Writing Agents
have the highest net combined annualized premium.
They qualify to attend the annual Convention based on
Company production and retention requirements.
YTD
PRODUCTION
AGENT NAME
AGENCY
1
Jon Ahlbum
The Ahlbum Insurance Group, Inc.
$3,427,770
2
Mike Lemar
Sunshine State Agency
$1,448,913
3
William Borosak Jr.
Secure Financial Group, LLC
4
Catherine Hatton
Long Island Insurance Solutions
5
Edward Shackelford
6
AGENT NAME
YTD
PRODUCTION
1
Paul Sheldon, CLU, ChFC
$629,772
2
Tim Ahlbum
$420,689
$1,287,878
3
Kerry Sachs
$296,469
$1,075,895
4
Scott Schwartz
$270,576
The Assurance Group, Inc.
$978,287
5
Devin Barta
$240,859
Ray Stevens
Stevens & Associates Insurance Agency, Inc.
$945,945
6
Timothy Rush
$234,163
7
Mark Graham
AmeriLife - Career
$715,083
7
Ray Stevens
$231,767
8
Tim Ahlbum
Health Coverage Solutions
$694,784
8
Christopher Graham, CLU
$224,089
9
Scott Mednick
Professional Insurance Systems of Florida
$647,093
9
Lisa Rosati
$220,593
10 Paul Sheldon, CLU, ChFC
Paul Sheldon Insurance & Benefits Planning
$629,772
11 Ron Concklin
Rosenberg-Concklin, Inc.
12 Robert Wroblewski
SOS Insurance Group
13 Devin Barta
1
2
3
10 Brian Gilbert
$219,487
$615,144
11 Jason Stevens
$216,411
$466,307
12 Edward Catron
$210,809
Barta Insurance Agency
$445,129
13 Fred Ulayyet
$200,989
14 John Clark
Senior Solutions Insurance Agency
$441,423
14 Eugene Ranney
$199,562
15 Donna Ahlbum
Ahlbum Insurance Agency
$360,276
15 Joseph Jaffe
$184,116
16 Pierre Abadjian
Abadjian Insurance Group
$283,346
16 Jon Ahlbum
$176,795
17 Kerry Sachs
Secure Retirement Solutions, Inc.
$280,149
17 Dexter Saylor
$171,086
18 Stephen Maisto
Senior Health Care Solutions
$274,768
18 Catherine Hatton
$167,740
19 Scott Schwartz
Insurance Protection Services
$270,576
19 Beverly Kingsley
$166,576
20
American Eagle Consultants, Inc.
$267,641
20 Peter Gratzon
$161,463
21 Joseph Maisonet
Maisonet Insurance Agency
$222,188
21 Beth Branch
$142,568
22 Fred Ulayyet
Ulayyet Insurance Agency
$200,989
22 Aaron Gordon
$138,166
23 Shawn Schroeder
Jack Schroeder & Associates, Inc.
$199,688
23 Darrin Dibisceglie
$138,027
24
Centerstone Insurance & Financial Svcs.
$199,601
24 Michael Woodard
$137,987
25
Benefit Plans of America, Inc.
$179,019
25 Robert Holzman
$127,802
26 Paul Sweeney
Quality First Insurance Agency, Inc.
$176,140
26 Vincent Abbatiello
$127,672
27 Marc Zum Tobel
Consolidated Insurance Group, Inc.
$169,220
27 Xiomara Ottovegio
$123,852
28 Nur Ahmed
Ahmed Insurance Agency
$157,148
28 Stephen Maisto
$122,965
29
Futurity First Insurance Group, Inc.
$156,536
29 Jackson Edwards IV
$119,981
30 Christopher Graham, CLU
Graham Financial Group, Inc.
$150,253
30 Dani Chard
$119,740
November 2O15  COACH’S CALL
4
5
Ray Stevens
Stevens & Associates
Insurance Agency, Inc.
$945,945
LIFE
2015 EAGLES
Eagles Club is an elite group of Agency leaders representing
the best of United American and First United American.
Tim Ahlbum
Health Coverage
Solutions
$694,784
Scott Mednick
Professional Insurance
Systems of Florida
$647,093
TOP 30 LIFE
GENERAL AGENTS
Through October 2015, these top producing
General Agents and Agencies have the highest
net life annualized premium. They qualify to
attend the annual Convention based on Company
production and retention requirements.
1
Ron Concklin
Rosenberg-Concklin, Inc.
$615,144
TOP 30 LIFE
WRITING AGENTS
Through October 2015, these top producing
Writing Agents have the highest net life
annualized premium. They qualify to attend
the annual Convention based on Company
production and retention requirements.
AGENT NAME
AGENT NAME
AGENCY
Sheldon Reid
Reid Insurance Agency
1
Bryan McGhee
Ensurity Group, Inc.
2
Owen Metts
2
Devin Barta
Barta Insurance Agency
$445,129
3
Owen Metts
Metts Insurance Agency
3
Glen Doernberg
4
Mark Graham
AmeriLife - Career
4
Grace Evans
5
Glen Doernberg
Doernberg Insurance Agency
5
Rose Marie Rey
6
Rose Marie Rey
Rey Insurance Agency
6
Arline Loux
7
Ray Stevens
Stevens & Associates Insurance Agency, Inc.
7
John Barberan
8
Mike Lemar
Sunshine State Agency
8
Michael Reddy
9
Loren Olguin
Edward Brownlee
Olguin Insurance Agency
9
10 John Barberan
Barberan Insurance Agency
10 David Miller
11 Michael Reddy
Reddy Insurance Agency
11 Bertha Reed
12 Randall Schnack
Schnack Insurance Agency
12 Frederick Menslage
13 Henry Vazquez
Vazquez Insurance Agency
13 Victor Cabrera
14
Benefit Plans of America, Inc.
14 Rita Livingston
15 Joseph Iannelli
Iannelli Insurance Agency
15 Fito Menard
16 Rita Livingston
Livingston Insurance Agency
16 Taiwana Hixon
17 John Clark
Senior Solutions Insurance Agency
17 Jennifer Jelks
18 Kayleigh Meshil
Meshil Insurance Agency
18 Vincent Abbatiello
19 Taiwana Hixon
Hixon Insurance Agency
19 James Craig
20 James Craig
Craig Insurance Agency
20 Lee Jernigan
21 Lee Jernigan
Jernigan Insurance Agency
21 Tim Doyle
22 Tim Doyle
Doyle Insurance Agency
22 Patricia Campbell
23 Patricia Campbell
Campbell Insurance Agency
23 Andrew Whelan
24 Andrew Whelan
Whelan Insurance Agency
24 Dennis Murphy
25 Michael Stevens
Farm & Ranch Healthcare, Inc.
25 Larry Brooks
26 Dennis Murphy
Murphy Insurance Agency
26 Deborah Walker
27 Deborah Walker
Walker Insurance Agency
27 Glenn Fuller
28 Glenn Fuller
Fuller Insurance Agency
28 Edward Cody
29 Neal Stacy
Stacy Insurance Agency
29 Fredric Hissong
30 Thomas Taylor
Taylor Insurance Agency
30 Igor Spasojevic
COACH’S CALL
 November 2O15
 11
CONVENTION
FUN IN THE SAND
it’s your JOURNEY
LIFE ONLY
HEALTH ONLY
COMBINED
$180,000 NAP
$350,000 NAP
$350,000 NAP
JAN.
$15,000
$29,167
$29,167
FEB.
30,000
58,333
58,333
MAR.
45,000
87,500
87,500
APR.
60,000
116,667
116,667
MAY
75,000
145,833
145,833
JUNE
90,000
175,000
175,000
JULY
105,000
204,167
204,167
AUG.
120,000
233,333
233,333
SEPT.
135,000
262,500
262,500
OCT.
150,000
291,667
291,667
NOV.
165,000
320,833
320,833
DEC.
180,000
350,000
350,000
MONTH
WHAT YOU NEED TO QUALIFY
IF YOU ARE A WRITING AGENT:
WHAT YOU NEED TO QUALIFY
IF YOU ARE A GENERAL AGENT:
MONTH
LIFE ONLY
HEALTH ONLY
COMBINED
$100,000 NAP
$150,000 NAP
$150,000 NAP
JAN.
$8,333
$12,500
$12,500
FEB.
16,667
25,000
25,000
MAR.
25,000
37,500
37,500
APR.
33,333
50,000
50,000
MAY
41,667
62,500
62,500
JUNE
50,000
75,000
75,000
JULY
58,333
87,500
87,500
AUG.
66,667
100,000
100,000
SEPT.
75,000
112,500
112,500
OCT.
83,333
125,000
125,000
NOV.
91,667
137,500
137,500
DEC.
100,000
150,000
150,000
#UACONVENTION2016
Hyatt Ziva ✿ Los Cabos, Mexico ✿ juNE 22-25, 2016
Agents who contract after Feb. 1, are prorated for Convention qualification. For example, contract in March and the Agent life/health
requirement is 10 months or $125,000 of combined NAP. Minimum NAP for an Agent who contracts in June is six months or $75,000
combined NAP. Agents must be contracted and produce at a six-month minimum production level to be eligible for Convention.