Articles:

• For policies effective October 1, 2005 or later, 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 current 12-month rule will remain in effect until October 1, 2006.

• UA will continue to comply with all state law requirements regarding the timing of increases.

Interest Rates Set
The Lifestyle Annuity new money interest rate for the month of October is 3.75 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.

New Cancer App/Brochure
Effective immediately, a new Cancer Advertising Brochure (F4131) is now available and will replace the existing supply of CANB Cash Benefit Cancer App/Brochures. For new materials, please contact Agency Supply.

Attn: Medicare Supplement Agents
If an applicant is issued a Medicare Supplement Disability plan on a guaranteed issue or open enrollment basis, including an HMO disenrollment, in most states there will be no commission paid or credited at any level. UA will continue to pay commissions on underwritten Medicare Supplement Disability business issued outside of guarantee issue and open enrollment situations. Please refer to your commission schedule for specific information in your state.

Attn: AL, CA, OR, and TN Agents
UA has given refunds and/or premium credits to policyholders in these states who were issued a Procare Plan F policy through December 31, 2004. Most policyholders received one to three months premium credit. Depending upon the inforce status, some policyholders may have received refunds depending on the state and year of issue. If the policyholder received a premium credit, no commission will be paid during this waiver period as the company is not collecting premium.

Attn: NV Health Agents
UA’s portfolio of under age 65 health policies are not major medical and should never replace such coverage. Any UA health application which replaces the applicant’s major medical coverage will be declined.

UA Partners® Reminder
If UA Partners members have questions about prescriptions, hearing, dental, vision, or chiropractic services, please have them call 1-800-308-0374. If the UA Partners members have questions about the Provider Network program or provider hospitals and doctors, they should call 1-800-236-3609.