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OKLAHOMA
VOICE
With September "Pulse of the Agent's"  Opinion Poll Results
October 2009
Published monthly by UFAA Chapter 15 Eastern Oklahoma.Chapter 15. The chapter meets the
first Wednesday of each month.
Next Chapter 15 Member Meeting: Wednesday October 7th 11:30 AM But .....
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 61st & Sheridan
Due to the recent closing of the Green Onion Restaurant, Chapter 15 will meet October 7th in the upstairs banquet room at the Silver Flame Restaurant located at 61st & Sheridan, Tulsa.
A fixed cost of the meals @ $12.50 per person that includes drink, tax, gratuity and a group appetizer. We'll have a choice of 5 entrees of fish, shrimp, chicken, steak, Lunch Menu Non-member agents welcome.
Special Invitation to Oklahoma Farmers Agent Network Members.
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Mission Statement
The United Farmers Agents Association -UFAA- is a professional association committed to helping our members through education, communication, support and information and to establish a true partnership with Farmers Group, Inc.
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Oklahoma UFAA Contacts:
UFAA Chapter 15 serving Eastern Oklahoma
President- Mike Gately 918/481-3277 -Tulsa
UFAA Chapter 12 serving Central-Western Oklahoma:
President- Tony Reese 580/355-1335 - Lawton
To join an Oklahoma UFAA Chapter
choose one closest to you
and contact the chapter. Or,
Sign up at UFAA Web site.
United Farmers Agents Association Web Site
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For Release: 08/27/2009 FTC Rule Prohibits Unwanted "Robocalls" Effective September 1
Telemarketers Must Obtain Prior Written Approval from Consumers Who Want to Receive Such Calls
Beginning
September 1, 2009, prerecorded commercial telemarketing calls to
consumers - commonly known as robocalls - will be prohibited, unless
the telemarketer has obtained permission in writing from consumers who
want to receive such calls, the Federal Trade Commission announced
today.
"American consumers have made it crystal clear that
few things annoy them more than the billions of commercial
telemarketing robocalls they receive every year," said Jon Leibowitz,
Chairman of the FTC. "Starting September 1, this bombardment of
prerecorded pitches, senseless solicitations, and malicious marketing
will be illegal. If consumers think they're being harassed by
robocallers, they need to let us know, and we will go after them."
The
new requirement is part of amendments to the agency's Telemarketing
Sales Rule (TSR) that were announced a year ago. After September 1,
sellers and Telemarketers who transmit prerecorded messages to
consumers who have not agreed in writing to accept such messages will
face penalties of up to $16,000 per call.
The rule
amendments going into effect on September 1 do not prohibit calls that
deliver purely "informational" recorded messages - those that notify
recipients, for example, that their flight has been cancelled, an
appliance they ordered will be delivered at a certain time, or that
their child's school opening is delayed. Such calls are not covered by
the TSR, as long as they do not attempt to interest consumers in the
sale of any goods or services. For the same reason, the rule amendments
also do not apply to calls concerning collection of debts where the
calls do not seek to promote the sale of any goods or services.
In
addition, calls not covered by the TSR - including those from
politicians, banks, telephone carriers, and most charitable
organizations - are not covered by the new prohibition. The new
prohibition on prerecorded messages does not apply to certain
healthcare messages. The new rule prohibits telemarketing robocalls to
consumers whether or not they previously have done business with the
seller.
Under a previous rule that took effect on
December 1, 2008, telemarketing robocall messages by businesses covered
by the TSR must tell consumers how to opt-out of further calls at the
start of the message, and provide an automated opt-out mechanism that
is voice or keypress-activated. Prerecorded messages left on answering
machines must also provide a toll-free number that connects to the
automated opt-out mechanism.
After
September 1, consumers who receive prerecorded telemarketing calls but
have not agreed to get them should file a complaint with the
Commission, either on the donotcall.gov Web site or by calling
1-888-382-1222.
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Greetings!
UFAA Sponsored E&O Enrollment
is Gone for 2009
ENROLL NOW FOR THE 2010 UFAA GROUP E&OWhy should you change coverage after all these years? MANY AGENCIES HAVE SAVED MONEY....ALL GOT COVERAGE NOT OFFERED IN THE FARMERS COMPANY SPONSORED GROUP E&O INSURANCE PLAN**What coverage?Few agents are aware that when your agency writes a Farmers policy, your coverage under the Farmers Group E&O coverage EXCLUDES ERRORS- and resulting exclamations such as- ah-oh, oops, darnit, ah, ahem, boo, egad, er,
golly-darn, hello?, hey,
jeepers, ouch, phooey, pooh, shucks, ugh, and um- when
you fail to provide an available coverage that was within your binding
authority that would have met underwriting guidelines and would have
covered your insured's loss.This
is not only applies to NB but, to policy revisions, rewrites, and most
any other action that omits a coverage necessary to protect your
customer.
What Happens Then ?Once your FARMERS E&O claim is excluded you have to ask Farmers to
"retroactively reform" your insured's policy to collect back premium and
provide coverage to your insured.
Per Farmers own statements Farmers has no written obligation to
pay your loss. Your
excluded E&O claim is then decided on a case by case basis by Farmers,
rather than by the insurance laws of your state or E&O policy you paid for. There
are documented cases where Farmers has refused to pay these losses and
the agent involved was exposed to all defense and settlement costs.
For this and many other reasons, every day more Farmers agents move
their
E&O to the New Group E&O plan
for better low cost coverage that applies to all your retail agency
business, providing benefits that aren't linked to your Farmers
appointment
agreement with an insurer that represents only you.Go to http://www.groupeando.comhttp://www.groupeando.com
for your online Quick Quote
and a coverage summary 
Renewal rates are not
expected to change & the renewing agents will NOT be required to pay for the
$100 loss control as this for the first year only. An additional savings over the Farmers E&O Plan.
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,
"The Pulse of the Agents"
September Opinion Poll Results -------------------------------------------------------------------------
The Oklahoma Voice reader polls take no more than a few seconds to complete. You are informed immediately how your vote compares to other responding readers. It is important to vote in the polls as we all can gain the "Pulse of the Agents."
Your poll votes remain anonymous. We only obtain the numbers of answers converted to percentages, not the source of those numbers. Readers can only vote in a poll once. The percentages shown when a reader votes, is the tally at that moment. We'll publish final poll results in a future issue. Look for this image > < designating a poll where you may vote.
Results of the September, 2009 "Pulse of the Agents Polls"
In a September Oklahoma Voice article concerning DMs that mandate life and other production requirements and mandated meetings for agents with low numbers, we asked?
Do you believe such DM demand emails should expose the DM's name & location on the UFAA Website or Voice? Yes- 91%
No- 9% |
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How to generate your own "Hot Leads"
Look for the Constant Contact Email Marketing logo (below) at the bottom of any Farmers Commercial Business Buzz email. They use it too, like many UFAA Chapters do to communicate with their members and potential members. And, any agent can and should use email marketing to communicate with their clients on a regular basis to promote sales and improve retention by having your clients think of you first.
Plus, the first 60 days are free compliments of UFAA Chapter 15. Just mouse the CC logo below. The Oklahoma Voice is created and distributed using the Constant Contact email marketing system. Try it. You will like it and so will your clients. In a recent Oklahoma Voice survey, 99.6% of agent respondents enjoyed receiving and reading the Oklahoma Voice. Pricing: Email lists up to 500 households is only $15.00/mo. (The cost is even less if your account is pre-paid 6 or 12 months in advance.) Figure your cost if you print and mail that quantity monthly! Hear this. The U.S. Post Office will not advise you who opened your mailed letter. Constant Contact will advise you who opened your marketing email and what Farmers or outside products they clicked on providing you with immediate "Hot Leads." |
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If you wish to be excluded from future mailings please let us
know by emailing us at ufaa15@.gmail.com or by using the Unsubscribe feature at
the located within this document. Disclaimer - The Oklahoma Voice is published
twelve times per year for the United Farmers Agents Association, Chapter 15
Northeastern Oklahoma. The United Farmers Agents Association and the editor
neither assumes any responsibility for the accuracy of the articles or
advertisers, nor any liability arising from reliance upon them. The Oklahoma
Voice expresses it's appreciation to the many members who assist in and support
it's publication,. Opinions in the Oklahoma Voice do not necessarily express the
views of any single member or Chapter officer or UFAA organization. Products and
services advertised are not endorsed by this Chapter or United Farmers Agents
Association, Inc. Complaints or inquiries should be forwarded directly to the
advertiser. All purchases and services are at the complete discretion of the
consumer. Trademarks are the respective products or logos of their respective
owners. |
 
SAFETY FIRST
With the fall rains and colder temps, your vehicle may need new windshield wipers and working defroster in the colder months. -ed===================== -REMINDER-NEW Continuing Education Requirements
Effective
November 1, 2009
Increase in Hourly
Requirements
Biennial
CE Requirements:
Producers: Total
of 24 hours to include: 19 hrs General Topic 3 hrs Ethics 2 hrs Legislative Update
CSR's: Total of 13 hours
to include: 8 hrs General Topic 3 hrs Ethics 2 hrs Legislative Update
Adjusters:
Total of 24 hours
to include: 21 hrs General Topics 3 hrs Ethics
Attention: November & December 2009
Renewals
Complete your CE and
License Renewal before November 1, 2009
and avoid new CE
requirements above.
=================
R.S.V.P for Free 6 Hour CE Course including lunch
Paul Davis Restoration, an Oklahoma Voice advertiser, is presenting a complimentary 6 hour CE Course 8AM to 5PM Oct 21st at the Radisson Hotel 10918 E 41st Tulsa.
Course includes Ethics (2hrs), Meth Lab clean up (2hrs), Counters and Counter tops can represent a substantial cost in replacement (2hrs)
The course is complimentary by Paul Davis Restoration including lunch and door prizes.
R.S.V.P with name, phone, company/town and email address to Fax# 918-663-4340. Course questions are answered by calling 918-663-5848
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Analysis Reveals Surge in Suspicious Claims
During tough economic times, anecdotal evidence of a surge in suspicious
claims is easy to come by. Now, new data from the Des Plaines, Il.-based National Insurance Crime Bureau (NICB) backs it
up.
Indeed, for the first half of 2009, NICB data shows increases in
nearly all referral categories compared with the first half of
2008.
"While there has been modest improvement within a few categories of
referrals, the overall number of questionable claims for the first half of 2009
is 13% higher than it was at this time last year," Joe Wehrle, NICB president
and CEO, said in a statement.
Specifically, a total of 41,619
"questionable claims" were referred to NICB for closer review and investigation
by member insurance companies in the first half of 2009, compared with 36,743
received during the same period a year earlier.
While the NICB data
encompasses property/casualty, commercial and vehicle data, the most pronounced
surge occurred in auto claims, as suspicious car fires were up 20% from last
year, suspicious auto glass claims up 76% and "phantom" accidents were up 46%.
On the casualty side, the biggest gain was seen in "slip and fall"
accidents, which rose 47%.
Insurance Networking News and SourceMedia, Inc
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Insurance Industry Loses Jobs for 10th Consecutive Month
by Insurance
Networking News - Sep 10,2009
Despite talk of improvement, things still look somewhat bleak for insurers.
The industry lost an additional 12,800 jobs in the month of August, the 10th
consecutive month of losses, according to seasonally adjusted data released last
Friday by the U.S. Bureau of Labor
Statistics.
Insurers' August payrolls included 2.240 million
employees, down from a seasonally adjusted 2.253 million in July, the report
says. Additionally, the adjusted number from the previous month, which
originally was reported as 4,800 jobs lost, was updated to 9,400 jobs
lost.
In contrast, the economy as a whole lost 216,000 jobs "an
improvement over previous months and less than economists' forecasts" but the
losses for the previous two months were revised upward slightly. This raises the
total number of jobs lost since the start of the recession in December 2007 to
6.9 million. While the decline seems to have slowed, the unemployment rate rose
more than expected from 9.4% to 9.7%, just shy of the 10% that many experts have
predicted could be a low point of the recession, says the report.
Looking
at individual lines of business, statistics showed only one sector saw
employment growth in a year-over-year comparison: health insurance, which has
exhibited steady strength. Health was up 2.7% over 2008, with 462,000 jobs,
though the total was down slightly from the month before.
Reinsurance,
which the report says also has been steady in recent months, remained relatively
flat "down just 100 jobs over the year" totaling 28,800. Property/casualty
insurers were the only group to see a very small month-over-month increase,
though the sector is down 2.6% since 2008 to 479,300 jobs. Life insurers
employed 346,000, down 3% since the year before. Agents and brokers, the largest
category of insurance employees, showed a 3.7% slip to 652,800. Third-party
administrators have slipped 6.3% since 2008, totaling 123,400 employees. Title
insurers continued their steep decline, showing a 15.2% drop year-over-year to
69,400. Finally, claims adjusters were down 13.2% to 47,300
jobs.
Additionally, the report found average weekly earnings for the
insurers' non supervisory positions were up across the board from June 2008 to
June 2009, save third-party administrators, who were paid $751.28 3% less than
the year before.
Life insurer pay climbed 7% to $988.23; health insurers
rose 5.2% to $930.40; title insurers increased 3.8% to $820.22; Reinsurance
rocketed 17.6% to $841,70; agents and brokers saw a boost of 4% to $745.17;
claims adjusters were up 2.1% to $876.46; and property/casualty ascended 3.2% to
$999.49" the highest rate of all the sectors.
Insurance Networking News and SourceMedia, Inc
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Farmers Firing & Hiring
Need a Job?
  Following an announcement of laying off over 750 jobs at the 21st Century facility in California, Farmers-21st Century has announced hiring up to 50 CSAs in Lewisville, Tx and hiring over 100 CSAs and others at the Wilmington, DE. facility. Farmers also updated the size of the planned new building by an additional 100k sq. ft.at the (Foremost) Caldonia, Michigan site by adding a third floor to the new facility to support 1,600 new employees.
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Allstate Settles Age Bias Case with EEOC Chicago Tribune 09/11/09
ST. LOUIS - Allstate Insurance Co. will pay $4.5 million to about 90 employees
to settle an age discrimination lawsuit stemming from the company's 1999 move to
switch thousands of its agents from employees to independent contractors.
The settlement was announced Friday by the Equal Employment Opportunity
Commission office in St. Louis. Allstate said it believes it acted appropriately
but settled to avoid a lengthy legal battle.
The EEOC said Northbrook,
Ill.-based Allstate's 1999 reorganization hurt older workers looking to be
rehired in another role by the company.
"They basically terminated the
employment of 6,400 sales agents who had been employees, but everyone could have
remained as independent contractors," said EEOC lawyer Felix Miller.
Many sales agents who were no longer employees sought other jobs with
the company, such as positions in customer service or claims representatives,
Miller said.
But Allstate adopted a policy not to rehire sales agents
for one year after their employment ended, or longer if they were still
receiving severance benefits. The company had stopped hiring new employee sales
agents in 1990 as it moved toward using outside contractors, so the group of
workers affected by the changes in 1999 and 2000 tended to be older, Miller
said.
The EEOC said it brought the case because 90 percent of the agents
subjected to the hiring moratorium were 40 or older. It was filed in Oct. 2004
under the Age Discrimination in Employment Act.
Allstate spokesman Mike
Siemienas said Friday, "While confident that Allstate acted appropriately, we
agreed to settle the long-standing dispute to avoid the burden and considerable
continued expense of litigation for everyone involved."
He said related
points of law remain disputed, and the company believes it would have legally
prevailed if the matter had continued in the courts. The settlement must
be approved by U.S. District Judge Richard Webber.
The awards to about
90 individual former agents are expected to range from about $9,000 to $114,000,
based on actual losses each person suffered and the likelihood of success each
case would have had for a legal judgment in its favor, Miller said. Funds go to
former employees who sought employment, or would have sought it, in the absence
of Allstate's policy. The settlement provides for discrimination
training and other efforts to educate Allstate managers to prevent any
violations of the Age Discrimination in Employment Act, according to the EEOC.
The Allstate
Corp., the parent company of Allstate Insurance, is one of the nation's
largest insurance providers. It has 37,000 employees and 14,800 agents and
financial specialists according to its Web site.
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918-663-5848
Fire, Water, Storm Damage
& Other Perils
Full Service Mitigation and
Reconstruction
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Odor Abatement Meth Labs
Biohazard & Crime Scene Cleanup
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We do both Residential and Commercial
Edmond 405-330-0025 Tulsa 918-270-2888
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Bethel Collision Center
(918) 258-3318
BBB Rated A+
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Call for Board up Service 24/ 7
Tulsa Broken Arrow
918/664-7904 918/258-7578 |
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THE SPECIFIC SECURITY
OBJECTIVES OF UFAA ARE:
1. A two-way negotiated contract.
2. For rendered services contractual compensation schedules encompassing full commission of all premiums.
3. Agent ownership of policies and expirations.
4. Termination for just stated-cause only.
5. Ending discrimination of agent or agent authority.
6. To foster cooperation for mutual benefit, between other agent associations. |
Motion Ads on Yahoo
Slow Internet sites with Win2k and IE 6.0
Dear Editor,
Like me, there are likely a lot of agents using AT&T high speed Internet that also use the AT&T/Yahoo email program. There are just too many pop up ads on this service and their customer no-service just tells me to upgrade to a commercial email account for $9.99/mo. and receive no ads. But, that's like charging me to unlist my phone number! Okay, I got use to the static ads until several months ago, they started using Adobe Flash 10 moving ads. I could not retrieve or send an email until the ad finished its' motion. Then last week, they had an ad by AT&T that cycled on my screen like a merry-go-round and never ended. I had to restart Yahoo. AT&T customer no-service just repeated to buy a commercial email account w/o ads for $9.99/mo. A friend of mine told me about Mozilla FireFox Internet Explorer. I downloaded the latest version compatible with Windows 2000, XP and Vista. I saw an add-on called Adblock Plus. Of course, I now have to access AT&T/Yahoo mail through FireFox and when a moving ad pops up, Adblock Plus places a small "delete box" on the ad and I just click it. Bam! It's gone-4-good. Just thought others may use Windows 2000 and IE 6.0 I would share this with you and "Agents Helping Agents." Okie Member Dear Okie, I have had the same problem using Windows 2000 and Internet Explorer 6.0 on some websites that have become woefully slow in loading and page changes. I have used FireFox for several months to create the Oklahoma Voice but, not to access my AT&T/Yahoo account.I took your advice and upgraded FireFox to the latest version and added Adblock Plus. It works as you say and, very well I might add. And, Firefox has sped up those use to be slow sites. Thanks for "Agents Helping Agents." -ed. |
Will DWT become Illegal?
Here's one issue in these contentious times that almost everyone appears to
agree on: Driving while typing out text messages on a mobile phone is dumb,
potentially deadly and should be banned.
So let's just ban driving while texting, right? Not so fast. Nothing's ever
that easy, especially when powerful economic interests and different levels of
government are involved.
Later this month, the National Highway Traffic Safety Administration plans to
convene a "summit" on "distracted driving." The issue of driving while texting,
or DWT, will be high on the agenda. For the first time, it appears that most
major interest groups involved are for doing something to make DWT illegal.
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Notice to Chapter 15 Members
Annual Elections
Annual Chapter 15 elections will be held during the December 2nd meeting. Positions for elections will be President, V. President, Secretary & Treasurer.
First Notification 10/09 as required by the UFAA By-laws.
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*
For use with new customer activation. Not valid with any other offer.
One check per customer. Must be presented prior to service activation. License # 879
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Ads are now hot links to websites
Support Our
Advertisers
Please support and recommend our supporters.
Learn more about our advertisers as you or your clients may need their services in the future. Educate yourself so you can give your clients more detail about the services they offer.
You may mouse any of our valued ads in this issue for direct access to their informative and educational website.
ads rotated 09/02/09
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By Kim Komando
Show Picks
for
September 26, 2009
Cool, Useful, Fun Freebie:
How to
find free Wi-Fi
Privacy Tip:
The dangers of
texting while driving
Privacy info:
Cybersecurity Act of 2009
Tip for Komando
Kids:
Are your kids broadcasting live online?
Go HERE for the above articles
FINALLY! MICROSOFT RELEASES FREE ANTIVIRUS
SOFTWARE
Viruses and malware have been a problem for years.
Fortunately, manufacturers were quick to step up with antivirus tools. But one
company has been slow to offer protection: Microsoft.
Well, Microsoft has finally released its Security Essentials software. This
free program will protect your computer in real time. It also updates
automatically and can identify threats by behavior. That means it may catch
threats that have yet to be defined. Want to give this program a try? Download it from my Security Center!
Oklahoma
Voice has reprint rights. Copyright 2008 WestStar TalkRadio Network. Reprinted
with permission. No further republication or redistribution is permitted without
the written consent of WestStar TalkRadio Network. Visit Kim Komando and sign up
for her free e-mail newsletters www.komando.com
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 - "Best Agent Contract in the Industry."
- 21st Century will provide our agents with great leads.
- 75% of 21st employees to be laid off. Policy run-off in all states except CA.
- Our Discounts can save up to 40%.
- Auto rate increases are capped at $50. If system capping is turned on.
- Big (disappearing) discounts for teachers, cops and firemen.....
- The state office is here to help you.
- The Flex-auto will lock the rate. (Will renewals stick? - is the question)
- Farmers- A company easy to work with
- Free Pet coverage with comp and collision coverage. (That should line 'em up at your door!)
- ServicePoint is here to assist you. But, exceptions to retain clients is a no go.
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Insurance Journal National Surveys
The Insurance Journal asked it's online readers the following survey question-
Has your agency seen an increase in auto insurance business due
to the government's "Cash for Clunkers" program?
Yes 22% A recent report by J.D. Powers found that fewer auto insurance
customers are shopping around and customer retention is about 90%.
"What is your
firm's personal auto insurance customer retention rate?" Above 95% 16% 90%-95% 38% 85%- 90% 25% 80%-85% 7% Below 80% 13%
86% of the respondent's answers to the Insurance Journals' question was at or above 80% retention rates with 54% at or above 90%.
Annualized state auto retention per Oklahoma R&NB Tracker for June- 73.47%. In July it fell to 72.92. |
Consumer Reports:
Homeowners Insurance
As reported
Oct 1st by KJRH TV
Chan 2 Tulsa.
How did Farmers Rate?
See the Oklahoma Voice Home Page Link below for the answer.
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Investments Down?
 $1,000
Finders fee for each new franchisee we sign that you have referred to us in the States of:
OK, AR, KS, MO, TX Contact us at webersrootbeer.net
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 The following email came from another Pinocchio DM who has forgotten "Agents are not his
employees." Holding 21st Century Leads Ransom for co-op ad signature Co-Op Ads Coercion (Co-op Ads is an agent option- and is not mandatory)
In an Email dated June 29, 2009, a DM writes to the agents-
Subject: Reminder: Co-Op forms
If you have any questions on this please give me a call, otherwise
understand that this is your support in Farmers Marketing on TV, Radio, xxxxx
Park etc If we do not get enough participation there will no extra local
advertising in our area, there are xxxxxx dollars. As business owners this is
an investment you should make into your Agency.
Also note that if you do not sign up you will not qualify for the
opportunity to receive polices from the 21st Century Acquisition.
If you planned on bringing forms to the meeting please go ahead and fax it in and
we will make sure that they get turned in and we get your ticket for the game.
Even if you don't plan on going to the game or the meetings we need your co-op
form asap. DM
Here's an excerpt from another DM's email who plans to hold 21st Century leads for ransom.
You'll receive hands-on knowledge about what the pros do to excel in life sales.
Besides protecting your clients, ideally you'll see an increase in your
P&C
retention, higher income, and you'll be in a stronger
position for 21st Century leads when they start
to flow.
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The only place 21st leads may flow is California where a $34 million rate decrease was recently filed and approved. In other states, 21st Century is raising rates to create a managed run-off of policies, per Farmers top management videos of May 20, 2009. -ed
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21st Century Leads May become Discriminatory The following was printed in the 09/18/09 issue of the Agency Insider
"With the acquisition of 21st Century complete, we continue to work diligently on developing a strategy to distribute leads to Farmers agents. Ensuring that we create a system that is effective and turn-key for our agents to use is a top priority. Our first step in developing a strategy was to gather feedback and ideas from the agency force. Working with 26 Presidents Council agents and district managers we addressed many topics including:"
· What criteria agents should meet to be eligible for leads
· How the leads will be segmented, prioritized and distributed to agents
· Support materials that agents need to convert leads to sales
"After taking into consideration all of the feedback and ideas from these PC members, there have been 2 pilots launched that are running from September 15th to November 15th. We are conducting the pilots in 4 states and the agents invited to participate were all Achievement Club qualifiers."
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Oklahoma Title 36. Insurance
Section 1435.15-E
- Producer Acting as Agent
It shall be unlawful for any insurer to discriminate
among or between the insurance producers it has appointed. Any person or company
convicted of violating the provisions of this section shall be guilty of a
misdemeanor and shall be punished by the imposition of a fine of not more than
Five Hundred Dollars ($500.00) or imprisonment in the county jail for not less
than six (6) months nor more than one (1) year, or be punished by both said fine
and imprisonment.
Number of infractions and victims affected may be combined and penalties totaled. In Oklahoma, any jail term exceeding 1 year and/or fine of $1,000 or more is considered a felony- DOI will not renew license! -ed
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Check out the UFAA Chapter 15 Home Page with more Farmers, industry news and lots of member benefit information and newsletter archives.
New on the Chapter 15 HOME PAGE Breaking News to late to publish above
Zurich Net Income Drops 53% As Recession Takes Toll
Despite the drop, James J. Schiro, Zurich's chief executive
officer said, the insurer is taking a disciplined approach to risk,
refusing to chase volume and pushing for increased rates, which have risen by 4
percent in the past quarter.  What do you mean up 4%. A lot More in Okla!
 "HOT STUFF"Consumer Reports Ratings: CR Warns of Homeowner Coverage Reductions, rates and claims problems. Three companies low rated in a just released CR Video. Go the the Chapter 15 Home Page Link above.
R U Receiving calls from Oklahoma Tag Agents for policy verification?
Do You use Debit Cards? Read the new rip-off alerts on our home page on debit card fees with interest charges up to 3,520%
OID Info you need to know -Do not call the Okla. Ins. Dept. (OID) They now provide info on line: Anti-fraud Complaint Form- for you & your clients
Consumer Request for Assistance Form- for your clients
Home and Auto Rate Comparison Charts From the OID.
These articles and more on the home page link above.
Have you joined UFAA yet?
We just can't make it much easier.
Just mouse the logo above to obtain
the membership application. Fill it out,
attached a check and mail or use the
bank card option and fax it to
1-314-631-7963. United we stand. Divided we fail.
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