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OKLAHOMA
VOICE
March 2010
Published monthly by United Farmers Agents Association, aka UFAA, Chapter 15 Eastern Oklahoma.Chapter 15. The chapter meets the
first Wednesday of each month.
Next Chapter 15 Member Meeting: Wednesday, March 3rd 11:30 AM |
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Chapter 15 will meet in the upstairs meeting room at the Silver Flame Restaurant located at the S/W corner of 61st & Sheridan, Tulsa.A
fixed cost of the meals @ $12.50 per person that includes meal, drink, tax,
gratuity and group appetizer. We'll have a choice of 5 entrees.
Lunch Menu Non-member agents welcome. .
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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.Check out our website
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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
UFAA Oklahoma Voice Editor
UFAA Oklahoma Voice Ads
To join an
Oklahoma UFAA Chapter
choose one closest to you and
contact the chapter.
Or, sign
up at the UFAA
Website.
United Farmers Agents Association Web Site
UFAA
Chapter 15 Newsletter Archive & Homepage Letters to the Editor
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HEY! What's the Deal?
I thought the Microsoft support would run through 2010 for security updates for Windows 2000. Did not Farmers tell you that has changed? They didn't tell me. Read it here where Microsoft dumps all support on Windows 2000 on July 13, 2010.
Microsoft has earlier announced they would dump support for Windows XP Pro in 2012. But, they have revised that to April 8, 2014 which is good news. Yet, I still push Firefox Explorer with Windows 2000 as Firefox is compatible with IE 7 but Farmers says they are apparently not spending the money to support Firefox. You must support and conform to their system, some more. Frustrated Okie Agent.
Okie Agent, Amen. I agree that Firefox is less problematic than Windows IE that seems to be a continuous patch job like our Oklahoma roads. Here's the company system specs.
Farmers new agent system Specs (abbreviated)
Windows XP SP-2 or Windows Vista (requires additional security settings) NOT Windows 7.
Microsoft Office XP (Office 2002) SP-2 or better (If Office 2007 is selected, it is suggested to set
documents to save in backward compatibility mode [Office 2000-2003])
Microsoft Internet Explorer (IE) 7.0 or IE 8.0 Per Dashboard: >Managing page eff: 01/05/2010
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 Zurich 2009 Net Income up 6% to $3.2 Billion
The Zurich Financial Services Group posted across the board income gains in all of its core business segments and targeted growth in profitable market areas, particularly in Global Life and from Farmers.
The Group generated an increased business operating profit (BOP) in 2009 of $5.593 billion, an 8 percent increase from 2008, and posted net after tax income of $3.215 billion. As a result the Board of Directors announced that it would propose a dividend increase to the shareholders to CHF 16.00 [$15.07].
"2009 was an excellent year for Zurich. We generated a strong operating performance across all our core businesses and emerged from a challenging year with one of our strongest balance sheets ever," noted CEO Martin Senn. "It is that proven ability to generate consistent earnings and achieve growth in targeted market segments that underpins my confidence looking forward, as it enables Zurich to face both challenges and opportunities from a position of strength."
Farmers Boosts Profits in 2009
Strong Growth at FarmersZurich's Farmers Management Services (FMS) grew its management fees and other related revenues by 9 percent to $2.7 billion, reflecting an 8 percent gross earned premium growth at the Farmers Exchanges (Exchanges), which Zurich manages but does not own.
The earnings report explained that "underlying drivers of this growth were the acquisition of 21st Century in July of 2009 and the transfer of North America Commercial's Small Business Solutions book to the Exchanges in June 2008." As a result FMS' gross management result improved by 13 percent, contributing to a 10 percent higher business operating profit of
$1.291 billion and an improved managed gross earned premium margin of 7.2 percent. Zurich added that the "integration of 21st Century continues to progress in line with Farmers' successful integration track record.
"Farmers Re, which provides reinsurance to the Exchanges, nearly doubled its premium volume due to an increase of the existing All Lines quota share reinsurance treaty, executed in various steps, from 5 percent to 35 percent as of December 31, 2009 in connection with the acquisition of 21st Century.
"In combination with a higher investment income as a result of the increased participation in the All Lines quota share reinsurance treaty, Farmers Re's business operating profit rose to $228 million, contributing thereby to an increased business operating profit for the Farmers segment of $1.6 billion. The complete report, additional information and a replay of the conference for analysts and media, held today, February 3, may be obtained on the Group's web site at; www.zurich.com. Source: Zurich Financial Services
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 Allstate: More customers buying auto insurance online
Insurers that have traditionally relied on neighborhood agents to help bring in auto and homeowners insurance customers are adapting to the Internet, which has a growing appeal for drivers. Thomas J. Wilson, chief executive of Allstate Corp., said that half of its new auto insurance customers first make contact through Allstate's Web site, rather than its network of 14,700 exclusive agents and that Allstate will adjust to accommodate customer preferences. In 2008, Allstate took in $500 million in premiums through its direct channel, which includes its Web site and toll-free phone lines and direct premiums are growing at a 25 percent rate so far this year, Wilson said. Though direct premiums are still a small part of the $26.9 billion Allstate earned in property-casualty premiums last year, premiums have been sinking for auto insurers in general and the share that comes in through direct channels is rising dramatically
Agent and Broker Jan 2010
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Eastern Oklahoma Agents and DMs send Message to Home Office
Jan 28, 2010 Jenks America- Rather than Farmers sending the CEO to Oklahoma to speak  at the state meeting, they send a VP to convince agents that "We Are Family." Hear it here, a song made famous in 1976 by Sister Sledge; and perhaps the way it should have been presented.  However, the VP's rah, rah speech received an overly quiet funeral reaction from the agents as many of them may be humming the lyrics of another famous song. Even now, this 1969 song is ranked number 2 on Rolling Stone Magazine's "500 Greatest
Songs of All Time" by the Rolling Stones.   Or, maybe this 1980's Song by Johnny Paycheck might be a favorite of yours or your thoughts about your current business situation.
Pulse of the Agents POLL |
 
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 and/or logos are the respective products or trademarks of their respective
owners. |
 Press Release
Contact:John Tews
(248) 312-4119
Syvetril Perryman
(805) 418-8103
J.D. Power and Associates Reports:Lower Premiums at the Onset of the Current Recession Drive Significant Increase in Overall Satisfaction With Auto Insurance Companies, But a Hardening Market Could Eradicate 10 Years of Progress
Amica Mutual Ranks Highest among Auto Insurers for a 10th Consecutive Year
WESTLAKE VILLAGE, Calif.: 17 August 2009 - Overall customer satisfaction with auto insurance companies is up significantly in 2009, driven primarily by low premiums, according to the J.D. Power and Associates 2009 National Auto Insurance StudySM released today.
The study measures customer satisfaction with auto insurance companies across five factors. In order of importance, they are: interaction, policy offerings, billing and payment, price and claims.
Overall customer satisfaction with auto insurance companies has reached a five-year high in 2009, averaging 801 on a 1,000-point scale-up by 14 points from 2008. More than one-half of the 32 companies ranked in 2009 have improved significantly year over year. While satisfaction has increased for the four most important factors contributing to overall satisfaction, the most notable increase has occurred in the area of price, which is up by 32 points from 2008. In addition, 42 percent of customers in 2009 report that their premiums decreased-without the customer switching to another insurer-which is nearly twice the rate from 2008.
One key behavior that can help mitigate dissatisfaction is engaging customers in discussions about rate increases prior to policy renewal time. When customers are notified in advance of rate increases greater than $100, and insurers or agencies offer to discuss coverage or policy options available that may mitigate the price change, customers are significantly more satisfied with their insurer overall.
See the Ranking Study Below |
Industry Average was up 24
points in 2009.
Farmers- up 41 points in the 2009 study.
AIG including 21st Century- 780 in
2008, up 1 point in 2009 study.
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918-663-5848
Fire, Water, Storm Damage & Other Perils
Full Service Mitigation and
Reconstruction |
Residential and Commercial
Edmond 405-330-0025
Tulsa 918-270-2888
Check out our website
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Bethel Collision Center in Broken ArrowBBB Rated A+
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Oklahoma Farm Bureau Group and Members Downgraded by A. M. Best
A.M. Best Co. reports it downgraded the financial strength rating to B (Fair) from B+ (Good) and issuer credit ratings to "bb" from "bbb-" of Oklahoma Farm Bureau Group and its members, Oklahoma Farm Bureau Mutual Insurance Company and AgSecurity Insurance Company.
The companies are located in Oklahoma City.
The group's ratings were downgraded previously following poor underwriting results in 2008 and the first half of 2009.
The latest rating actions reflect Oklahoma Farm Bureau Group's continuing negative underwriting performance and its weakened risk-adjusted capitalization, which no longer supports the previous ratings.
The group has posted approximately $65 million in net underwriting losses through the first nine months of 2009, which was preceded by $64 million of net underwriting losses in full-year 2008, due primarily to frequent and severe weather-related events that mostly impacted its homeowners' book of business.
Together, these events have led to a significant decline in policyholders' surplus since year-end 2007, which has resulted in significantly reduced risk-adjusted capitalization, according to Best.
While the group continues efforts to bolster its surplus levels, reduce its highly elevated underwriting leverage ratio and improve its risk-adjusted capitalization measures, the ratings will remain under review with negative implications due to uncertainties associated with these initiatives.
The ratings remain under review with negative implications .Source: Insurance Journal |
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Zurich's New
Chief Executive Officer
Martin Senn (born 1957, Swiss Citizen) is Chief Executive Officer of Zurich Financial Services Ltd (Zurich). He joined Zurich as Chief Investment Officer in 2006 and at the same time became a Member of the Group Executive Committee. He was appointed Chief Executive Officer of the Group in August 2009, effective January 1, 2010.
Martin Senn is a trained banker and has worked at the former Swiss Bank Corporation from 1976 to 1994 where his international career steps included treasurer in Hong Kong and regional treasurer for Asia and the Pacific region in Singapore before ultimately managing the company's Tokyo office. In 1994 he joined Credit Suisse where his executive roles included that of treasurer for the Head Office and Europe, chairman and turnaround manager of Credit Suisse Group Japan with a mandate to restructure and reposition all legal entities of the Group in Japan. In 2001, he became a member of the Credit Suisse Banking executive board and was appointed head of its Trading and Investment Services Division. From 2003 until 2006 he served as a member of the corporate executive board and as chief investment officer of the Swiss Life Group. source: Zurich.com |
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Shocking Numbers from
Minnesota UFAA Chapter 17
Did You Know?
- Farmers reported net losses of
over 1,000,000 auto policies in 2009
- Farmers reported net losses of
over 60,000 fire policies in the North Zone in 2009
- It appears Farmers had net
losses of over $12,000,000 GWP in 2008 and $15,000,000 GWP in 2009 in Minn.
- 1-800-Farmers is directing your
clients to 21st Century when calling to make a car change. "We're
owned by Farmers but half the price," they're told.
- Farmers is down to roughly 340
agents in Minnesota
- Minnesota retention is down nearly 20%
"as planned"
source: UFAA Chapter 17 ECHO newsletter- March, 2010
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Call for Board up Service 24/7
 check out our website
Tulsa Broken Arrow
918/664-7904 918/258-7578 |
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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.
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By Kim Komando
DON'T DOUBLE UP ON ANTIVIRUS PROGRAMS
Gary wrote from Alamogordo, NM, where he tunes in on KINN 1270 AM. He
needs help setting up AVG. He downloaded it through my Security Center. But the program is telling him to uninstall Microsoft Security Essentials. He doesn't want to do this.
Microsoft
Security Essentials is an antivirus program. AVG is also an antivirus
program. You should run only one antivirus program on your computer.
Otherwise, they will conflict.
Antivirus programs have
real-time scanning. When you download a file, the antivirus software
scans it immediately. Multiple antivirus programs try to access the
file simultaneously.
Whichever wins will lock the file
while scanning it. The second program won't be able to access the file.
This could cause your computer to crash.
You can remove
Microsoft Security Essentials and install AVG. Or, just stick with
Microsoft Security Essentials. Both are good antivirus programs. Six new ways computer crooks can get you
Keep your guard up when using Twitter and Facebook
Don't be a victim of shortened URLs
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 |
Pulse of the Agents Poll Results
February Online Surveys by Constant Contact.
With the promotion of Oklahoma's last three state directors to VP, I think it's...
Best for the state and agents- All is great in my office 0%
Does seem rather suspicious- All is just so - so in my office 21%
Been detrimental to the agent's PIF, GWP, income & contract value 39%
Been at the total cost of our clients and the agency force. 39%
Did the company, state office or your DM advise you & your staff of this NEW single corporate phone number? 877-411-1FIG
YES, I am a newer agent under 18 months 4%
NO, I saw it in the Oklahoma Voice- 91% YES, I saw it months ago in a field bulletin. 4%
Are you still using a Windows 2000 computer in your office?
NO 35%
Yes, and it still serves this agency well 25% Yes, and we are having problems on dashboard 10% Yes, and I think it's time for Farmers to replace it. 30%
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Make Your Vehicle a "NO PHONE ZONE"
After viewing vehicle logo, here's the riddle-
"Fa mers adjuster in route to your address" Can you correctly spell that without any "R"s?
Free Lunch to first member to report answer to above riddle to the editor at the March 3rd Chapter 15 meeting. Hint: the riddle answer is not the word "No." It can be done! - ed
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Highlights of recent Federal Tax Changes
Lubbock insurance agent jailed for embezzling $17,000 from Farmers Lubbock online
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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 Double Pinocchio Awards- March 2010 Goes to Colorado DM and State Director
The Farmer's Pecking order- From Corporate to Zone VPs to State Directors who share in GWP bonuses. Then, to the DMs and forced upon the agent worker bees through DM harassment, intimidation, mandates and expectations but, apparently not threats according to this DM. "James and I will be forced to take action if you do not reach the districts life I&P minimum of 12 in 2010 and 18 in 2011."
Source below : ufaa.com >DM/Company
Date: 01/18/2010From: Ronald AlperSubject: ReminderYou are expected to attend life training tomorrow at noon at the district office to help you write & issued life policies for your clients. The minimum agent life performance is 1/month and you have not met these expectations. Several agents have not issued a life policy this month, but these agents have gone the longest period of time.
xxxxx, xxxxx, xxxxx, xxxxx, xxxxx, xxxxx, xxxxx, xxxxx, xxxxx, xxxxx,
Thank You, Ronald AlperRonald Alper Insurance Agency, Inc. 303-776-5300Farmers District Leader, Longmont, COWhen facing Challenges "Attitude" not aptitude determines Success
Date: 01/19/2010From: Ronald Alper
Subject: FW: LIFE DIVISIONAL RANKING .. The TUNDRA ZONE
January 2010 MTD our district has I&P 2 life policies. Farmers' minimum performance for each agent is 18/year, I understand we must walk (1 Life I&P/month) before we can run (1.5 life I&P/month). As you can see from the email below, James Pursell is very tired of districts not meeting the life I&P goal. Last year everyone made the commitment to I&P 1 life policy in Sep, Oct, Nov and Dec. 2 agents accomplished this and 22 did not. I can no longer accept less than 12 life I&P per agent in 2010. James and I will be forced to take action if you do not reach the districts life I&P minimum of 12 in 2010 and 18 in 2011. Our district goal is 288 in 2010 and 432 in 2011. Please decide to make your/our goals. This message is meant to insure that you understand what is expected in Life sales, not a threat.
[This DM even forwards State Director's email to agents]You guys (DM's) going to man up in 2010 or is Chara going to have to continue taking this crap? District Managers cannot leave life results up to chance. District Leaders prepare to win and control the life results within their district operation. Clearly Home Office does not think you are any real threat to challenge agents in life sales. How much sand are you going to swallow before you get pissed off and make your damn life goal!
James Pursell  Farmers Insurance Colorado State OfficeColorado State Executive Director (303) 283-6100
Thank You, Ronald Alper Ronald Alper Insurance Agency, Inc. 303-776-5300Farmers District Leader, Longmont, COWhen facing Challenges "Attitude" not aptitude determines Successsource: www.ufaa.com >DM/Company tab
FARMERS® CODE OF BUSINESS ETHICS AND PROFESSIONAL STANDARDS
Pulse of the Agents POLL |
Expectation treatment of Agents and Employees?
CA. Claims 1/19/10- took a position in claims. Taking a
job with Farmers was the biggest mistake in my life. Their management is
abusive and their expectations
are unattainable.
Colorado Springs.
Comm'l Und. 10/29/09- Plus, your manager will not rate you as "Meets Expectations" unless you
are a brown-noser and suck up all of the extra work they expect you to
do on your own time.
Northridge, CA. Claims? 05/12/09- This surely is the
lowest point of working here.........they expect you to work around the clock in order to meet
their unrealistic expectations.......try
to declare your overtime, see what happens.....HAHAHAHAHA
From
Frankfort, IL. - 10/14/2009- The only
way a person can make a living as a Farmers Insurance Agent is to work for
someone else. It is designed to get your top 100 family and friends to change
their coverage to Farmers and then do everything it can to make sure you never
achieve your quota. Of the thousands of people it recruits each year, few ever
make it as agents.
CA. District Office 06/26/09- They will lead you to
believe you will be an office assistant. Once you start, they may force
you into recruiting and threaten you with being fired if you do not
produce. You'll probably be fired for not meeting their unrealistic expectations before ever being
promoted.
From West - 06/08/2009- Farmers
Insurance puts a huge emphasis on their norms and values. In my
experience, management does not follow their own "code of ethics" and makes it obvious that they
are only in it for themselves. The way they treat their employees is
shameful and makes Farmers an undesirable place to work.
source:jobvent.com/farmers
Is this exactly what Farmers needs to do?
February 7, 2010 | Season 1 : Ep. 1 | 42:58 | Reality CBS Sunday nights"Undercover Boss" sends CEOs into the belly of their own
companies to experience "real work" and improve the lives of their
employees and contractors.
Episode 1- Larry O'Donnell, President and C.O.O. of World's largest Waste
Management Company, works alongside his employees.
Actually, President Larry goes under cover and shows up at several of his corporate locations as a new hire and fails miserably at his new assignments of cleaning porta-potties, sorting waste, collecting garbage from a landfill and even being fired by one of his employees for failing to make the grade for the first time in his life. At this end of this reality show, when Larry realized the pain he had caused to employees with tears running down his cheeks, he promised to make changes for the better.
This corporate president learned more at the bottom than what he assumed or takes for granted at the top. We may know what the real story is - CEOs are told what the VPs think they should know showing the VPs or Jr. VPs in the best light.
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  Oklahoma Vehicle Tag Renewals OKLAHOMA
CITY, OK - February 17, 2010 - Renewing
your vehicle
registration tag just got quicker and easier because Oklahomans can now
renew online through the state's official Convenient Auto Renewal System
(CARS). The secure online service is available at http://CARS.OK.gov,
providing access for Oklahomans' commercial, non-commercial and farm
vehicle registration renewals.
CARS also allows Oklahomans to sign
up to receive an email when it is time to renew their tag with the Tax
Commission's REMIND ME utility. Reminders will be sent the first day of
the expiration month entered into the REMIND ME utility. Email address required. See other online
renewal requirements at the above
link. -ed
Bill
Would End Mailing of Most
Oklahoma Car Tag Renewal Notices
NewsOn6.com 02/15/10
OKLAHOMA CITY -- The way Oklahomans receive notification of when it's
time to renew motor vehicle registration may be changing. Under Senate
Bill 1397, proposed by Sen. Mike Mazzei (R) Tulsa, the
Oklahoma Tax Commission could send renewal notices by e-mail.
Mailing notices costs more than a million dollars a year, according
to the Oklahoma Tax Commission. For anyone without e-mail access, Sen.
Mazzei said the bill would be
revised to allow mailed notices costing you $1.
1. The state may stop sending out
vehicle tag
renewal notices. You must sign up online to receive an email renewal
notice or pay $1 to have it mailed. SB-1397
2. Late tag renewal
penalties have increased
beginning 30
days after renewal month. What use to be a penalty of .25 cents per day
has been increased 400% to $1.00 a day up to a max of $100.00 added to
your
tag renewal.
3.
Renewing your vehicle tag online will cost you $1.50 convenience fee.
You will pay another $1.50 to verify liability insurance that was
internally automated to each vehicle tag and VIN number by the state last year. And,
you will pay another $2 for return mailing fee and the renewal tag sticker.
With
the State of Oklahoma's budget about a
$billion in the hole, there is strong appearance the state is pushing
convenience of online tag renewals while at the same time planning to
drop tag renewal reminders to perhaps pump up the number of late renewal
penalties that were increased 400% last year. Penalties will be paid
direct online to the state rather than Okla Tag Agents who rely on these
penalties as a source of income to fund their operation costs. Tag
Agents may be hard to find later this year.
Perhaps, you should post
this information in your
office and be a hero to your clients to avoid being hijacked on these
late penalties -ed |
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Farmers Insurance Receives High Honors for
World-Class Training & Development Program
LOS ANGELES, Feb. 4 /PRNewswire/ -- At a special recognition event held February 1 in San Diego, CA, Farmers Insurance Group of Companies® received an award for excellence and achievement in company-wide training and human capital development that recognizes Farmers for its unprecedented record of success in developing and nurturing excellence across the organization.
From nearly 700 submissions received worldwide, representing many of the world's leading companies, Farmers was ranked 6th overall from among the Top 125 training organizations as scored by a distinguished panel assembled by industry-leading Training Magazine. This achievement recognized Farmers for the success of its comprehensive training and leadership programs. On top of this, Farmers was one of only three companies that received the added distinction of being recognized for global "Best Practices" for its Laboratory Learning environments - a learning methodology that has helped propel Farmers to not just national, but world-wide leadership in innovative learning and training. |
Greetings!
Live PC Care- Fraudulent Security Tool Live PC Care is a fraudulent security tool. It presents itself as
"Windows Advanced Security Center" and urges purchase a license in order
to activate full computer protection. LivePCCare is not able to
function as a security application because it's a malware.Live PCCare is promoted on misleading websites and it also spreads with
help of trojans. It installs a bunch of useless files and it later
supposedly detects those as serious infections. And then it demands
purchasing full version of LivePC Care for deleting the "threats". Live
PC Care also displays numerous pop-ups and interrupts web browsing.
Don't trust this application and make sure it is erased as soon as
possible.
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Check out the UFAA  Chapter 15 Home Page
with more Farmers, industry news, lots of member benefit information, newsletter archives and breaking news too late to publish above.
Chapter 15 HOME PAGE Link
Have you missed past issues of the Okla. Voice? If you missed past issues due to the spam problems, you can access them on our home page link above.
Allstate May
Shed 20% Of Its Agents
"My cell phone has been ringing off the hook by agents told that they'll
receive, or have already received, a 90-day termination notice," Bob
Isacsen, president of the National Association of Professional Allstate
Agents, noted in a letter to members.
- Court Approves
$4.5 Million Settlement Between Allstate, EEOC
- Farmers Insurance to drop wind coverage from 10,000 coastal
policyholders
 HOT 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 fall. |
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