NAIFA-West Virginia Mountaineer News
John Pauley, CLU, ChFC, CLTC, Executive Director
NAIFA-WV, P.O. Box 3586, Charleston, WV 25336
Phone (304) 345-4343  *  E-mail  
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NAIFA-West Virginia 
Message From the President
NAIFA-West Virginia President

Having just returned from our 2012 national convention in Las Vegas, it is apparent that NAIFA continues on sound footing but has much yet to get accomplished.   From legislative endeavors, to creating value awareness, controlling expenses, building rapport with the states and yes, that everyday challenge of growing membership, NAIFA has many tasks facing it.  This effort will demand the very best from us and will demand focus from each member.  However, as we stop to ponder the tasks that lie ahead, are we positioned to effectively accomplish critical goals or are we simply in focus disarray?
One thing my cat enjoys is chasing his tail.  He will spend the better part of an hour running himself in a determined circle.  First he turns to the right, and then to the left, attempting to grasp that long appendage that has caught his attention.  Finally he collapses, tired from his effort but finding himself in virtually the same location with the resolution that little has been accomplished.  Lots of work, lots of energy expended, and nothing really gained from the effort.
Do you ever find yourself "chasing your tail?" Do you find yourself involved in a nerve-racking cycle of seemingly going in circles, addressing what you thought was a critical issue, and find after the fact that your effort has brought forth nothing but a high stress level?
Knowing how to set effective priorities so that you are placing focus on "what really matters" is a key to success in our work as well as our personal endeavors.  It is also valuable in successfully reducing our stress factor which is paramount for good health.  When we have control of our time and our lives, we are better able to direct our efforts and find unblemished joy in what we do.  For isn't that one of the purposes of life:  to enjoy what we do?
So how do you avoid "chasing your tail" and follow some pathway to a focus on those things that get quantified results?  While there are countless ways if we really stopped to think, perhaps something as simple as the following accountability survey can at least set your footsteps in a positive motion:

1)  Are the things I am doing of high value?

2)  What things were low risk and high return?  High risk and low return?

3)  What are the few things I should have done which would have resulted in the biggest impact?

4)  Did I find myself involved with urgent not important activities with too much focus on details?
As we look ahead to our goals and aspirations, do we have focus?  Are we addressing the areas critical to our success in the proper manner, or are we simply tiring ourselves by "chasing our tail" and then collapsing from exhaustion finding that little has been accomplished and much is left to do?
Let's challenge ourselves to personal accountability for the actions necessary to grow NAIFA-WV and to insure that NAIFA remains alive and viable in preserving the essence of our industry which enables us to deliver in full the promises made to our clients and customers.
Remember, "chasing one's tail" might be great exercise, but in the final resolve, what are you really accomplishing?



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Governor Earl Ray Tomblin Proclaims September 2012 Life Insurance Awareness Month

Life Insurance Awareness Month Proclamation - Click Here to EnlargeThere's a growing crisis of too many Americans not having adequate life insurance protection. According to the industry research group LIMRA, 30 percent of US households have no life insurance whatsoever. Today there are 11 million fewer American households covered by life insurance compared with six years ago.
Here's the bottom line: A majority of families either have no life insurance or not enough, leaving them one accident or terminal illness away from a financial catastrophe for their loved ones.
To make sure Americans are reminded of the need to include life insurance in their financial plans, the nonprofit LIFE Foundation coordinates Life Insurance Awareness Month. Each September, LIFE is joined in this educational initiative by more than 100 of the nation's leading insurance companies and other industry groups such as the National Association of Insurance and Financial Advisors.
West Virginia Governor Earl Ray Tomblin recently signed the proclamation at the state capitol in Charleston that officially recognizes September 2012 as Life Insurance Awareness Month in the state of WV.
For more information about Life Insurance Awareness Month, please click HERE.
NAIFA-West Virginia Executive Director's Report

John E. Pauley, CLU, ChFC, CLTCJohn E. Pauley, CLU, ChFC, CLTC
2012 Area Leaders Conference Review
NAIFA-West Virginia held its Area Leaders Conference (ALC) on Friday, August 17, 2012 at the Days Inn in Flatwoods, WV. This was a very important meeting that provided all of the local officers and committee chairs the opportunity to share ideas and plan a successful year.
Membership was a key focus as President Herman Dixon, Jr. provided attendees with detailed information and guides to help locals revitalize and grow their local membership. In addition, he stressed accountability and involvement as the keys to moving NAIFA-WV forward to a successful year.

We reviewed a variety of resources available via the NAIFA website regarding CE and advocacy as well as the Online Virtual Library that provides every agent a variety of resources to use in their practice. Each local will have the availability of a "free" website and the capability to generate announcements of pending events to their respective memberships simply by submitting the information to the NAIFA-WV office at
NAIFA Trustee John Holmes Ill joined the meeting via Skype and reviewed pending NAIFA amendments and goals for the coming year. NAIFA WV Health Chairman Geoffrey Christian also joined us electronically to update attendees on the current status of the Health Exchanges being organized by the Office of the Insurance Commissioner and to encourage our continued involvement in this process. In addition, Mountaineer News Editor Christopher Hill beamed in to unveil the "new" NAIFA-WV website and newsletter format and to discuss potential non-dues revenue opportunities for our Association.
The highlight of our meeting was an update by NAIFA Government Affairs Vice President Matt Solak regarding Obamacare, Fiduciary Reform, Taxation of Life & Annuity products, and other industry issues currently being addressed by our NAIF A staff in Washington DC. 
We wish to thank the following attendees for their time and commitment to NAIFA-WV:
Stephen Biron, Charleston
Kathy Chesley, Charleston
Herman Dixon Jr., Eastern Panhandle
Dale Goff, Charleston
Bob Hurley, Charleston
Neva Long Barth, Charleston
Cifford Marstiller, Tygarts Valley
Terry Mathias, Charleston
Barbara Miller, Eastern Panhandle
John Pauley, Charleston
Charles Powers, Huntington
Ray Prendergast, North Central
Lennie Roe, Huntington
Sharon Sabo, Central
Curtis Shinn, North Central
Allen Wagner, Huntington
NAIFA-North Central WV CE Opportunity!

Serving members in the Morgantown, Fairmont and Clarksburg regions.
NAIFA-North Central WV CE Opportunity: October 25, 2012Earn Six Hours of CE in One Day!
Thursday, October 25, 2012   |   8:00 AM - 4:00 PM
Fairmont Clarion Hotel (Former Holiday Inn)  Exit 137, I-79, Fairmont, WV
NAIFA - North Central WV Members:  $55.00
NAIFA - West Virginia Members:  $65.00
Non Members:  $75.00
Guardian Annuities, Michael Barrett, Regional Manager  (DC, VA, WV) 

LTC - The Niche in the Executive Marketplace (1 Hr.)
LTC - The Business Marketplace (2 Hrs.)
Values & Ethics - Being Compliant & Profitable (1 Hr.)
Dealing with Ethical Issues in Financial Services (1 Hr.)
Ethical Challenges for Producers (1 Hr.)
8:00 - 9:00 AM: Continental Breakfast/Registration
9:00 AM - 12:00 PM: AM Classes
12:00 - 1:00 PM: Lunch
1:00 - 4:00 PM: PM Classes
For more information, please contact Mike Arcure at (304) 363-4440.
FREE NAIFA Benefits with Your Membership!

NAIFANAIFA's Advisor Today bi-monthly magazine, website and podcasts - features ideas and insights from industry experts on a wide range of topics including product knowledge, sales, marketing, prospecting, and practice management.
NAIFA SmartBrief - a daily e-mail newsletter providing insurance and financial advising professionals a quick, two-minute read that will help keep you up-to-date with the latest news and trends in the industry. News stories are meticulously picked for content and delivered straight to your inbox.
NAIFA Virtual Library - a repository of online sales tools and resources including fact finders, concept pages, specimen documents and client presentations.
NAIFA ClientCast by RealWealth - free monthly professionally produced podcasts that agents can use to educate, motivate and inspire clients and prospects. Also includes free monthly training webinars for agents and advisors on sales ideas and best practices to help you grow your business.
NAIFA Webinar Series - monthly events feature timely information and training on topics of interest including government relations, practice management, sales, prospecting, and marketing.
NAIFA Online Seminar Series - 24/7 access to online training on such topics as succession planning, hiring an assistant, and thriving in the first three years in the business. Also includes downloadable materials to supplement the web content.
NAIFA Insurance and Financial Services Professional Resource Guide - connecting NAIFA member's to the products and services they use daily.

NAIFA-West VirginiaFor more information about the National Association of Insurance and Financial Advisors - West Virginia, contact John Pauley, CLU, ChFC, CLTC at (304) 345-4343 or e-mail
Visit NAIFA-West Virginia's website at