Articles:

UAatWork Update
Attn: Texas Agents
Attn: Texas Agents
Critical Illness Accelerated Benefit Rider Approved for UACB Life Sales. Good News! You may immediately resume sales of the Critical Illness Accelerated Benefit Rider (CILACL) with UAatWork Life policy forms UATGC, 20-Year Renewable Term or UAPTL, Term Life to 100.

Always submit completed form ABRICD1 with applications for this rider, and be sure the applicant retains a copy of the form.

UA & First UA Are Still the Best!
On June 8, 2006, A.M. Best, insurance industry rating specialist, reaffirmed its financial strength rating for both United American and First UA. United American has been rated A+ (Superior) for more than 30 consecutive years, and First UA has received the same top rating for more than 15 years. The 2006 A.M. Best mini brochures are now available to order for both UA and First UA Agents. UA Agents may order them through Agent Supply, and First UA Agents may order them from the Home Office in New York. As always, the brochures are free and are an outstanding marketing tool.

Interest Rates Set
The Lifestyle Annuity new money interest rate for the month of August is 4.75 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.

Reminder...
Plans K & L
If you are selling Medicare Supplement Plans K or L, you must use an MA14 application. If Plans K and L have been approved in the state(s) in which you sell, but the MA14 has not been approved, you may not sell Plans K or L until the MA14 application has been approved and released. A box at the top of the MA14 allows you to select the plan for which your customer is applying: A,B,C,D,F, HDF, G, K or L. Once it is approved in the states in which you sell, the MA14 is the correct application to use for all Medicare Supplement Plans.
If you are selling Medicare Supplement Plans K or L, you must use an MA14 application. If Plans K and L have been approved in the state(s) in which you sell, but the MA14 has not been approved, you may not sell Plans K or L until the MA14 application has been approved and released. A box at the top of the MA14 allows you to select the plan for which your customer is applying: A,B,C,D,F, HDF, G, K or L. Once it is approved in the states in which you sell, the MA14 is the correct application to use for all Medicare Supplement Plans.

MA 14 Approvals

Advertising
Any variation on Company-provided material or any individual piece an Agent desires to use for customer solicitation must be submitted to the Home Office for written approval prior to publication or use. Advertising is any material used with potential customers to promote interest in the Company, its products or its producers, such as print ads, TV or radio scripts, Internet advertising or website copy, flyers or direct mail lead pieces.
Please submit your advertising materials to the Compliance Department, attention Mary Johnson. They may be faxed to 972-569-3728 or e-mailed to mjohnson@torchmarkcorp.com. Advertising materials are reviewed every Wednesday afternoon at 1:30 p.m.

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.