Articles:

Attn: UA AGENTS
The Consumer Form (3728), which is required with all under age 65 health plan sales, has been revised with a slightly new design./font>

The NAIC has updated “A Shoppers Guide to Long Term Care Insurance,” (LTC-LP) for 2006.

Please place your orders for these revised and updated forms through Agent Supply.

Special Regulatory Update
The Telephone Consumer Protection Act of 1991 and the Federal Communication Commission’s rules prohibit telephone calls to residences using an artificial or pre-recorded voice to deliver a message without the prior express consent of the called party, unless the call is for emergency purposes or is specifically exempted. The TCPA permits the Commission to exempt from this provision calls which are non-commercial and commercial calls which do not adversely affect the privacy rights of the called party and which do not transmit an unsolicited advertisement.

The Federal Trade Commission recently announced that pre-recorded telemarketing messages of any kind will only be allowed after January 2, 2007 with the express written consent of the recipient.

Given these circumstances, all Agents should avoid the use of pre-recorded messages of any kind, whether directed to prospects or existing customers. In addition, it is a violation of the law for an Agent to send an unsolicited fax advertisement to an individual or business. As a reminder, all advertising must be submitted to the Home Office for approval prior to use.

Welcome Kit Update
One of the qualities that make UA and First UA Agents so valuable to their customers is the one-on-one Agent service they provide. Part of that service means providing little “extras” such as Welcome Kits to your new customers to help them maintain their insurance information in an organized and easily accessible manner.

Due to a recent cost increase from our supplier for the blue policy jacket vinyl folder, we must slightly increase our price to Agents from 75 cents to 90 cents. The vinyl folder is found on the Agent Supply Order Form on page 3 under sales and training materials..

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.

Good Sense Plan: Nebraska and North Carolina. The new business effective date is December 15, 2006.

FLEXguard: Alabama, Arizona, California, Colorado, Ddelaware, Ddistrict of Columbia, Georgia, Iowa, Idaho, Indiana, Kentucky, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nnew Mmexico, Ohio, Oklahoma, South Carolina, South Ddakota, Ttennessee, Ttexas, Utah, Wisconsin, and Wyoming. new business effective date is January 1, 2007.

Check your state(s) Good Sense Plan and FLEXguard 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.

Attn: All Agents New Cash Values For Life
All life insurers are required by law to implement new cash value schedules for life insurance policies by the end of 2006. The change is due to a prescribed regulatory decrease in the maximum non-forfeiture interest rate. United American and First United American will comply with the requirement for all new life policies issued with effective dates 1-1-07 and thereafter. We will provide additional information over the coming weeks.

Thanksgiving Schedule
United American and First United American Home Offices will be closed Thursday, November 23rd and Friday, November 24th in recognition and observance of the Thanksgiving holiday. Everyone on the UA and First UA Home Office staff wish you and your families a day filled with many blessings!