Articles:

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. 

Interest Rates Set
The Lifestyle Annuity new money interest rate for the month of May is 4.45 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.

Attn: All UA Health Agents
For all new business and inforce under age 65 health policies, the rate increase policy will be adjusted to comply with UA¹s current Medicare Supplement rate increase policy. 

Please note the following: For policies effective October 1, 2005, and thereafter, a rate increase may be implemented four months from the effective/issue date of the policy. For inforce policies with effective dates of September 30, 2005, and prior, the 12 month rule will remain in effect until October 1, 2006. UA will continue to comply with all state laws regarding the timing of increases.

Attn: All UA Agents
Effective immediately, RIP calls used for application verification will now be termed "Quality Assurance Calls." Agents should be sure to instruct new customers at the time of sale to expect a quality assurance call to welcome them to UA and verify certain information on their application.

UAatWork Update:
Florida
Good News! Effective June 1, The UAatWork 20-Year Renewable Term to 70 (UATCG) Life policy is now approved for sale in Florida. 
South Carolina 
Effective immediately, UA¹s Involuntary Unemployment Waiver of Premium Rider is no longer approved for sale with UAatWork 20-Year Renewable Term Life (UATCG) and Term Life to 100 (UAPTL) products. 
Texas 
Effective immediately, the Critical Illness Accelerated Benefit Rider (CILACL) is no longer approved for sale with UAatWork 20-Year Renewable Term Life (UATCG) or Term Life to 100 (UAPTL) products.

Attn: Arizona Agents
As required by the State of Arizona, UA is mailing the following notice to all under age 65 health policyholders in Arizona: ³When we sent your health insurance policy to you, we attached to it a copy of the Healthcare Insurer Appeals Process Information Packet that is required by the State of Arizona. This packet contains information about how to appeal a denied claim. In compliance with Arizona law, we are sending you this notice to inform you that if you need a duplicate copy of the Packet, you may request one by calling our Customer Service Department.²

UA will continue to mail this notice to Arizona policyholders annually. Feel free to contact Agency Service at 800-925-7355 with any questions.

Reminder About Summit
Summit magazine is published monthly by UA/First UA for the dissemination of information to its Agents. It is not intended as advertising material. Permission must be obtained from United American for reproduction or other use of the material herein. Please log on to www.uageneralagency.com/office or
www.firstunitedamerican.com/office to view the most current Advertising Guidelines.