January 2006
 Should "Old" Acquaintance Be Forgot?  Now Available: UA's High Deductible Plan F Flip Book  Who Says You Can't Teach an Old Dog New Tricks?  UA Partners®: Great Value at Any Age!  UA Partners® Tools  Boosts Your Group Sales in '06!   Have You Met the Lead Guru? Introducing Don Runge!  Top Producers

 Articles:
January 2006 Issue

Published monthly by United American Insurance Company for the dissemination of information to its Agents. Home Office permission must obtained prior to reproduction or other use of this material.

© Copyright 2004, United American Insurance Company,  McKinney, Texas
All rights reserved.

 

 
Editor's Notes
ProCare Approvals
A special mailing regarding ProCare Medicare Supplement rate approvals for new business and renewals has been mailed to General Agents in Alaska, Arkansas, Nebraska, Texas, and Utah.

Check your state(s) ProCare rate memo for complete effective date information and cut-off dates for business written with old rates. If you did not receive this notice, please contact the Agent Service Center at 800-925-7355.

FLEXGUARD Approvals
A special mailing regarding FLEXGUARD rate approvals for new business and renewals has been mailed to General Agents in Alaska and California.

Check your state(s) FLEXGUARD rate memo for complete effective date information and cut-off dates for business written with old rates. If you did not receive this notice, please contact the Agent Service Center at 800-925-7355.

New Life Height/Weight Chart
The new 2006 Life Series Rate Books are now available through Agent Supply. The new books include an updated Height/Weight Chart, which is printed below.

UA & First UA Part D Marketing Guidelines
As a licensed Agent, you have no doubt encountered Seniors who are confused by the Medicare Part D program. Remember, your obligation as an Agent is first to educate and secondly to sell. When selling UA/First UA’s Part D program, be sure to consider all factors, including the needs of the Senior and the suitability of the program.

UA/First UA, as well as the various state regulatory bodies, is intent on ensuring that every product sold to Seniors is suitable to Seniors' particular needs. If you intend to cross sell from a Medicare Part D lead, you must clearly identify yourself and the Company and first present the UA/First UA Part D program. After the Part D presentation is complete, an Agent may ask if the Senior would like to review any additional insurance needs and/or current coverages. If the Senior answers affirmatively, then you may proceed with the review and present additional products. At all times, an Agent should remain mindful of any suitability issues and the Senior’s best interest.

For complete details on Medicare's Marketing Guidelines, please visit http://uamedicarepartd.com/agents/downloads.asp or http://firstuamedicarepartd.com/agents/downloads.asp.

Updated Med-Supp Forms
New Medicare Supplement Notices (Forms MSNOT06-1,2,4,5,8,3Q, and 4Q) are now available through Agent Supply or for download from www.uageneralagency.com/office. Please order or download these new forms and a Compliance Sheet for your state(s).

Interest Rates Set
The Lifestyle Annuity new money interest rate for the month of January is 4.00 percent. Rates will continue to be reviewed and adjusted accordingly. The Deposit Fund Rider new business interest rate for 2006 has been set at 3.00 percent.

4Advertising Reminders
Any type of sales or advertising materials, including print ads, TV or radio scripts, flyers, or direct mail pieces must be submitted to the Home Office for written approval prior to publication or use. Please allow two to three weeks for the review and evaluation of your piece. If state approval is required, expect additional delays. Some tips for getting your piece approved:
1. Clearly identify the full name of the Company, United American Insurance Company, at least once in the body of the advertisement, preferably near the top.
2. If the advertisement is for a Medicare Supplement policy, you must also include the Medicare disclaimer at the end of the piece in no smaller than 10-point type. The disclaimer should read: United American Insurance Company is not associated with Medicare, Social Security, or any other government agency.
3. Clearly identify the products and services mentioned in the sales piece.
4. Use words and concepts that your intended audience can clearly understand. Avoid "industry" terms that the average person would not know. Also, avoid using ambiguous terms such as "comprehensive," "the best," or "the only."
5. Use only the most recent facts and figures available when citing general financial information or statistics about the Company, its products, or its ratings. Always provide the source and date for any statistic, and source dates should not be more than two years old.
   
 

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