Articles:

Good News!
Effective immediately, General Agents licensed and working in Georgia may resume sales of UA’s Medicare Supplement ProCare Plan B. A special mailing will be sent including new rates and ordering information.

Interest Rates Set
The Lifestyle Annuity new money interest rate for the month of January is 3.25 percent. Rates will continue to be reviewed and adjusted accordingly. The Deposit Fund Rider new business interest rate for 2005 has been set at 3.00 percent.

Important Notice For All General Agents
Both the Consumer Form (3728) and the Privacy & Disclosure Information — Underage Health Series booklet (UAPDI-UH04) have been revised. The Home Office will be unable to accept applications for the GSP, HSXC, MMXC, or SHXC dated February 15, 2005 and thereafter without the new Consumer Form. Applications dated prior to February 15th must be received in the Home Office by March 1, 2005.

The Consumer Form (3728) is available now through Agent Supply and also may be downloaded from www.uageneralagency.com/office. The Privacy & Disclosure booklet will be available from Agent Supply on February 1, 2005.

Attn: All General Agents
It is the policy of United American to discourage all conversions except those by Agents intended to conserve their own business. Additionally, UA does not allow Issue Age price conversions to Attained Age priced plans on Medicare Supplements. The only exception to this rule will be that conversions will be allowed from Issue Age policies to the new High Deductible Plan F (MSHDF). Please see page 13 for more information concerning conversions and MSHDF.

Attn: Alabama Agents
Alabama has adopted NAIC Model Life Replacement Regulations effective January 1, 2005. Effective immediately, the Replacement Form (REPNOT/00) will be required with all Life and Annuity replacement new business applications. A special mailing has been sent. If you need additional supplies, please contact Agent Supply.

Attn: Wyoming Agents
Effective immediately, all Long Term Care (LTC) sales are discontinued in Wyoming.

UA Partners Update
AdvancePCS, the prescription medication provider for UA Partners, has merged with Caremark Corporation. Caremark is in the process of rebranding appropriate materials; however, in the meantime, all forms that have the AdvancePCS company name and logo will be honored to ensure minimal customer impact.

Attn: Kansas Agents
State special materials are now required for all UAatWork new business applications in Kansas. If you have any questions, please contact the Voluntary Benefits Coordinator at VBC@torchmarkcorp.com.

ProCare Reminder
United American has a standard waiting period on implementing new policy rate increases of four months. However, seven states require modification of the standard waiting period to a one year guarantee. These states include Arkansas, California, Louisiana, Maryland, Montana, New York, and North Carolina.