Articles:

Attn: First UA Agents: ProCare HDF+ Rate Approval
A special mailing regarding a ProCare Medicare
Supplement HDF+ Rate Approval for new business and renewals has been mailed to General Agents in New York.

The new business effective date is December 1, 2006. Check your ProCare rate memo for complete information on cut-off dates for business written with old rates. If you did not receive this notice, please contact First UA at
315-451-2544.

Attn: Texas Agents: Revised ProCare Application
A special mailing regarding the revised ProCare application is being mailed to Agents working in Texas. The new form numbers are MA14(42)R and DMA14(42)R, and Agents should begin using them immediately. As of December 1, 2006, we will no longer process applications written on old forms. To order additional forms, call Agent supply at 800-285-3676; fax to 405-752-9341; or e-mail uaagentsupply@torchmarkcorp.com

Medicare Premiums & Deductibles Updated
Medicare recently released its new premiums and deductibles for 2007. See pages 9 and 10 for new Medicare A/B Charts.

Part B Standard Monthly Premium: $93.50

Part A Annual Premium: $410 (paid by very small proportion of beneficiaries)

Part A Deductible: $992

Part B Deductible: $131

Plan K out-of-pocket limit: $4,140

Plan L out-of-pocket limit: $2,070

HDF deductible : $1,860

Interest Rates Set
The Lifestyle Annuity new money interest rate
for the months of October and November
is 4.50 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.

FLEXguard & Good Sense Plan Rate Approvals
A special mailing regarding FLEXguard and
Good Sense Plan rate approvals for individual
and UAatWork new business and renewals has
been mailed to General Agents working in the
following states:

FLEXguard: Colorado, Georgia, Kentucky,
Maryland, Nebraska, and Wisconsin.

Good Sense Plan: Arkansas, Georgia, Michigan,
Ohio, and Texas.

The new business effective date is November
15, 2006. Check your state(s) FLEXguard
and Good Sense Plan rate memo for 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.

NAIC Model Life Replacement Regulation

A special mailing regarding the adoption of
the NAIC Model Life Replacement Regulation
and the required use of UA’s standard
replacement notice REPNOT/00 is being sent
to Agents working in Maine, Rhode Island and
West Virginia. Agents in Rhode Island and
West Virginia are required to use this form
immediately. Maine’s effective date is 1/1/07.
As always, check your state’s compliance sheets
regularly for changes and approvals. If you have
any questions, please contact the Agent Service
Center at 800-925-7355.

No Reprocessing HDF Claims
If a policyholder does not have adequate funds
in his or her Reserve Fund Annuity (RFA) to
cover a Medicare Supplement High Deductible
Plan F (HDF) claim at the time of initial
processing, United American cannot go back
and reprocess the claim after the policyholder
deposits additional funds into his or her RFA.
The policyholder must have adequate funds in
the RFA to cover the claims at the initial time of
process, or the policyholder will be responsible
for paying the claim.