Articles:

FLEXGUARD Approvals
A special mailing regarding FLEXGUARD rate approvals for new business and renewals has been mailed to General Agents in Alabama, Arizona, Colorado, Delaware, Iowa, Idaho, Illinois, Louisiana, Michigan, Missouri, Mississippi, Montana, North Carolina, Nebraska, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Rhode Island, South Dakota, Texas, Utah, Wisconsin,and Wyoming.

FLEXGUARD Product Approvals
UA’s FLEXGUARD health policy is now approved for sale in Indiana and Tennessee. A special mailing has been sent to Agents working in these states. For additional materials, please contact Agent Supply.

Interest Rates Set
The Lifestyle Annuity new money interest rate for the month of December is 4.00 percent. Rates will continue to be reviewed and adjusted accordingly. The Deposit Fund Rider new business interest rate for 2005 and 2006 has been set at 3.00 percent.

Attn: All UA Agents
In 2006, the Part B deductible will increase to $124. Accordingly, UA’s non-commissionable premium will increase to $123 on all policies covering the Part B deductible with the implementation of 2006 Medicare rate increases. Effective July 1, 2006, the non-commissionable premium will be increased to $123 on all policies covering the Part B deductible even if no rate increase has been implemented.

Attn: Nevada 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. If the applicant has not had a major medical policy inforce for 63 consecutive days, the application will not be considered a replacement.

Additionally, the replacement of a supplemental hospital or medical expense policy with a UA hospital or medical expense policy is not allowed. But the replacement of other health policies (i.e. cancer, critical illness, and accident policies) is allowed. In other words, you may not replace a Basic Hospital policy with a UA Basic Hospital policy, such as the Good Sense Plan or FLEXguard, but you can replace a Critical Illness policy with a UA Critical Illness policy. When a replacement is made, all replacement paperwork will be required with the application.

Holiday Schedule
The UA and First UA Home Offices will be closed Monday, December 26, in observance of the Christmas holiday. Additionally, the Home Offices will also be closed Monday, January 2, in observance of the New Year.