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  Oklahoma Waving Flag  
 VOICE
    September 2012   
 Published monthly by United Farmers Agents Association,
aka UFAA, Chapter 15 Eastern Oklahoma. The chapter meets the first Thursday of each month.

Logo

Next Chapter 15 Meeting will be
Thursday Sept 6th 11:30 AM      
                   Lone Star Steakhouse 101 E Albany St. Broken Arrow




 
Lone Star Steakhouse
  101 E Albany St. Broken Arrow  

  

  Chapter 15 Meetings have moved to the
more elegant LONE STAR STEAKHOUSE (this is right off the B/A Expressway @ 161 E A just past entrances to BASS PRO).  MAP   Chapter 15 Meetings have changed from the first Wednesday to the FIRST THURSDAY of the month. 
Non-members welcome  
First Ammendment

REMINDER TO: Okla. State & District Offices
 
The first Wednesday of each month has been dedicated by Oklahoma UFAA Chapters 12 & 15 for the last 16 years as OUR day to peacefully assemble and meet. Not even Congress can prohibit such peaceful actions. Due to restaurant meeting space availability we must change our
meeting day to the First Thursday of the Month. We would ask that State and DM meetings not be held on the first Thursday of any month between the hours of 11AM and 2PM to avoid conflict of this law.  Thanks in advance. -Chapter 15
Mission Statement 
UFAA logo 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 UFAA's newly updated website

                                                             Agents Helping Agents.new                                      

 Oklahoma UFAA Contacts:    

UFAA Chapter 15 serving Eastern Oklahoma   

President- Glenn Johnson 918/252-0561  Tulsa

UFAA Chapter 12 serving Central-Western Oklahoma:   

President-  Jeff Roberts -580-224-0808 -Ardmore  

 

United Farmers Agents Assn. National Office 800-275-8668
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  

 
Agents Helping Agents.new

Learn more about our advertisers in this issue. Ads are hot links to their websites.

Oklahoma flag waving.gif
Correct email address to the Okla Voice.
Greetings!

If you have received this newsletter at your farmersagent.com email address above, please click on the Join Our Mail List below with your alternate (non farmers address). Be sure to enter your farmers email address on the sign up form instead of your agent number on the second screen.

 If you received this newsletter at your alternate address shown at the top of this email, you need not take any action. We do not distribute address to others and abide by the spam rules.

 
Greetings! 

                                          Join us September 6th at the Lone Star Steakhouse
             for the UFAA Chapter 15 Monthly Meeting

Chapter 15 will hold the next monthly meeting on Thursday, September 6th 11:30 AM at the Lone Star Steakhouse 101 E. Albany St. Broken Arrow- located just past the driving entrance to Bass Pro.  Exit B/A Exp. @ 161st E A  aka (Elm PL)  101 E Albany St, Broken Arrow, OK   
                            Menu (scroll to bottom for lunch)
 
WHY WOULD YOU NOT BE A MEMBER OF OUR ASSOCIATION AND ATTEND OUR INFORMATIVE MONTHLY MEETINGS AND OUR GREAT ANNUAL CONVENTION?

 

Please arrive for Lunch @11:30
- UFAA Meeting begins at Noon. 

Meeting attendees should prepare to order lunch upon timely arrival at 11:30 AM The staff will be prepared to take your order upon your seating and cooked to order. We will no longer order as a group as in the past as this has caused our meeting to run overtime.

Got Benefits? Greetings!

UFAA Introduces another benefit:  
Long Term Disability for all agents 
 
Holmes Murphy & Associates is excited to offer all UFAA members, current Farmers agents and their staff two new benefit programs. This tailored benefit offering will give you the opportunity to invest in both Long Term Disability Income Replacement coverage and Business Overhead Expense coverage to protect you, your family and your agency in the event that you become unable to work. 
 
Holmes Murphy is the 9th largest privately held brokerage firm in the country and is dedicated to the design, due diligence, implementation and on-going support of your voluntary benefits. Our access and clout with industry wholesalers allows us to provide outstanding benefits, underwritten by best in class carriers, with competitive preferred premium pricing. Holmes Murphy has partnered with Principal Insurance to grant you access to these specialized benefits available to our business owner, executive and high-wage earning clients. Through our program we are able to provide you with:
 
. Own Occupation Definition of earnings up to age 70
. Streamlined underwriting with no blood, urine, EKG or financial verification up to $5,000 of monthly benefits
. Ability to elect individualized elimination period
. Ability to elect individualized benefit amounts
. Amounts over $5,000/month may require minimal underwriting
. Non-cancellable contract
. Guaranteed fixed pricing for life of contract
. Business overhead expense benefits 
. Deep premium discounts 
. Unavailable direct through Principal
. Unavailable through other group policies
. Unavailable through individual coverage
. Policy is fully portable regardless of employer or employment status
. Best in class carrier and products
. Efficient quoting and application process
. Quality education around benefits and the benefit distribution process

 

The impact disabilities have on individuals can vary greatly from being a short term adjustment, to a life long lifestyle change. Have you thought about the effect that a serious illness or debilitating accident would have on your every day life and retirement planning? 
 
Individual Disability Income Insurance from Principal Insurance can help protect your ability to receive income if you have a qualifying disability so that you don't have to rely on your hard-earned savings to cover daily living expenses. This policy is non-cancellable and has guaranteed premium rates for the duration of the policy. It also protects you if you are unable to work in your occupation - unlike similar policies that only pay benefits if you are unable to work in any occupation. Additional features also include future increase opportunities without medical underwriting, residual disability benefits if you are not totally disabled, and cost of living adjustments to keep up with inflation. Finally, these benefits are tax-free upon distribution when you pay your premiums with after-tax dollars. 
 
A Business Overhead Expense Policy from Principal Insurance is also non-cancellable and has guaranteed premium rates for the duration of the policy. This policy reimburses you for covered business expenses such as rent, salaries, utilities, loan payments, etc. while you are sick or too injured to work. The competitive product design includes several built-in benefit components as well as optional riders to help you customize your policy to best fit your individual needs. Riders include a future increase opportunity, residual disability benefits, and business loan protection.

 

If you would like more information about the Disability Program, please email Holmes Murphy & Associates at voluntarybenefits@holmesmurphy.com. When emailing voluntarybenefits@holmesmurphy.com with an inquiry or request for a quote, please declare as to whether you are a UFAA Member, a UFAA Affiliate, a Farmers Agent or a District Manager. This will save a lot of time in the initial question answer response portion.
 
*The policies are individually underwritten and end at age 70.*  Don't Miss the Disability Program Webinar on Monday, Sept 10th 10AM Central Time. Here is how to access the webinar

Click here to obtain an Oklahoma UFAA Membership App
 
Agents Helping Agents.new

Click logo above to view the UFAA Website  



 


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 its appreciation to the many members who assist in and support its 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.

Greetings!   

Results of the August Pulse of the Agents Poll
We have published the Pulse of the Agent Polls for several years. However, no previous poll received the attention and response compared to the UFAA Legal Letters Poll published in the July issue of the Oklahoma Voice. An overwhelming majority of the responding readers agree with UFAA's action to send the letters below from UFAA Legal General Council to Farmers.  

Thanks for your positive responses. We have left this July Pulse of the A
gents Poll open below. Those of you that missed it last month can respond until the end of August. -ed


Do you agree with the content of the UFAA Legal letters sent to Farmers?

I only agree with the Termination letter  4%
 
I only agree with the Contract Payment letter  0%

 I only agree with the Production Requirement letter  0%

 I totally AGREE with all 3 letters  96%

 I totally DISAGREE with all 3 letters.  0%


August Pulse of the Agents Poll-
Who do you point the Fault Finger for Farmers and 21st Century being nationally ranked as "D" class?
Agents & DMs  0%
Claims Services for both companies  10%
Policy Services for both companies  0%
FGI Management who sets rates, guidelines & policies for both companies  76%
Zurich who only owns the Farmers Management Company  14%
Agents Helping Agents.new
Farmers Foremost sign Greetings!
         Yahoo News 7/31/2012

Farmers Insurance Selects Empyrean Benefit Solutions to Provide Outsourced Health & Welfare Benefits Administration
Major U.S. Insurer Switches Providers to Leverage Empyrean's Technology Edge   
Read more here 

 

Farmers Mobile Opns Command Center (MOCC)

Mobile Claims Catastrophe Bus  

Deployed to Mannford, OK.   

103,000 Oklahoma Acres burnt by wild fires  

Editor's note- The August wild fires burned a 9 by 13 square mile area (78,000 acres) Aug 2 through August 6th. The area is about 35 miles west of Tulsa has had little rainfall this year. As of Aug. 8th, the majority of the known 209 homes burnt were totals, plus a large number of barns and outbuildings burnt in the state's 13 fire ravaged areas totaling 103,000 acres. Many dry hay fields were lost by cattlemen that increases the economic loss. -ed 

 

Oklahoma Gov. Mary Fallin
Okla. Gov. Mary Fallin

Okla. Gov. Mary Fallin Forces State-wide Burn Ban- On Aug 3rd, only 25 counties had burn bans in place when Gov. Fallin forced a state-wide burn ban in all 77 counties of the state due to the extreme drought conditions that is predicted to the driest period in state history.  

 

MANNFORD, OK--(Marketwire - Aug 6, 2012) - A Farmers Mobile Claims Catastrophe Bus will be ready to help Farmers customers and victims of the fires in Mannford and surrounding areas tomorrow morning. The bus will be at Farmers Agent Kent Russell's office from 8:00 a.m. till 7:00 p.m., starting tomorrow August 6. The address is: 200 West Trower Boulevard in the city of
Mannford, OK 74004

     "We invite all of our customers to come to the bus and receive immediate claims help, water, and supplies," said John Lucido, Farmers Oklahoma State Executive Director. "The bus is 46' x 13' and has claims stations to help our customers with all of their needs. It also has state-of-the-art satellite communications equipment, satellite phones and laptops," he said.

     "Meanwhile, Insurance claims personnel, agents, district managers and employees throughout the Oklahoma fire areas have contacted, and are helping victims of the fires," Lucido added. "We want all of our customers to know that our goal is to give immediate assistance to all customers who have suffered damage from these fires that have burned more than 55,000 acres," Lucido said.

Lucido advises that all customers who have suffered damage from the storms should call their agent or the 24-hour Farmers HelpPoint hotline number at: 1-800-HelpPoint (1-800-435-7764), for immediate assistance.

Foremost Insurance customers should file their claim by calling: 800-527-3907.
Farmers customers can also go to www.Farmers.com or download the free iClaim app to file a claim. 

 

Destruction update: 08/14/2012-  

Keli Bruer of Oklahoma Emergency Management tells KRMG a total of 423 homes were damaged in Creek County.  

Of those, 376 homes were destroyed. Destruction in those cases was total; almost nothing whatsoever could be recovered from the ashes.

Bruer says 83 percent of the homeowners in the affected area had no property insurance.

Their hopes for monetary assistance now hinge on a federal disaster declaration. Governor Mary Fallin made the request for that declaration Monday. Bruer tells KRMG it could be a matter of days, or possibly weeks, before the decision is made at the federal level. Statewide, more than 600 homes were destroyed by the wildfires.

Wind damage
Farmers will drop wind policies locally, hike rates statewide
Yahoo News 7/31/2012

MOBILE, Alabama -- Farmers said Monday that it plans to drop coverage of more than 2,900 properties in Mobile and Baldwin counties that it considers rentals.

Also Monday, The Farmers Insurance Exchanges said that it would raise rates statewide, by as much as 35 percent in some areas, though the cost of some policies will decrease. Read more here 

 

Money pile Greetings!

Did You Get a $200 Deduction for the AMP Co-op
Direct Mail Program?


Dear Okie Voice,
Please remind your readers of the blooper made by AMP vendor- Farmers Ad-vantage. No one seems to know what happened but, hundreds perhaps thousands of agents were tagged for a $200 deduction on the August, 2012 folio.
According to the ServicePoint Accounting Dept., they fielded hundreds of calls from agents questioning the deduction. I did a little investigation thinking the DM may have force place me in the program after I had opted-out. But, no one knew enough about what had happened and stated the charges were across the board and not isolated to any particular region, state or district.

Accounting stated a field bulletin would be placed on Dashboard advising agents of the problem and the expected correction and deposit date of funds. However, Farmers Ad-vantage stated the agent must send in a copy of the deduction schedule to receive the return of funds. It's still early in the process so, the procedures are subject to change. I just wanted you to know about your $200 loss if you are not an AMP participant. Okie Agent

Dear Okie, Thanks for the heads up. I was stung for the deduction like many others. I emailed Ad-vantage proof of the deduction asking for confirmation of my email and the date I could expect the $200 deposit in my account.  I received neither! However, it was deposited about 2 weeks later. Thanks again. -ed
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Oklahoma Agents Bite the Dust in 2012

Looks like another rough year with farmersagent email addresses returned marked non-existent addresses from these issues of the Oklahoma Voice.  

February issue-  6   

March issue-       0 -a first in 30 months.

April issue           3 

May issue            2

June issue           4

July issue            5

August issue        1

Sept. issue        

Oct issue           

Nov issue            

Dec Issue          

Jan issue            

Total for 2012-     21

 

*These figures may not match actual as it's based on returned email only.      

If you're one of the 200 million wireless customers of AT&T or Verizon, it's time to make a decision about shared data plans.

Verizon rolled out its Share Everything plans to new customers back in June. The mobile operator allows current customers to stay on tiered plans if they prefer. Those on grandfathered unlimited plans must switch to a tiered plan or a Share Everything plaKim Komando close/blu blousen to get a subsidized phone.

AT&T's Mobile Share launches Aug. 23. The carrier has said it will continue to offer traditional plans to new and current customers. Those with grandfathered unlimited plans can keep them.

Even if you're happy with your tiered or grandfathered unlimited plan, it pays to learn the ins and outs of these new shared data plans. A shared plan might save your family money and offer more features than you're getting now.

For more info click here

 

Oklahoma Voice has reprint rights. Copyright 1995-2012 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.  

Chapter 15 President's Message
Donations are on the rise.
Non-members & members alike are sending  donations to our association. If you have been checking the UFAA web site, you know how well it is being spent. Please send your check or money order  to UFAA  6303 E 32nd St. Tulsa Ok 74135
Please keep using our advertising vendors and refer your contractor clients who would like to advertise in our newsletter to me or Mike Gately.  918-481-3277

Glenn Johnson, President UFAA Chapter 15 Eastern Oklahoma. (918) 252-0561


Ads are now hot links to websites 
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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. 
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ads rotated for 09/12 issue
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UFAA Chapter 15 welcomes our new advertiser:
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Farmers kept busy with both catastrophes, public events and news releases

 

Here is a listing from Yahoo News

====================================
Farmers Agents Benefits Announces
Aetna Medical Plan Elimination
Jan. 1st  2013
 To align our medical program with the future direction of medical coverage under the health care reform, the Point-of-Service (POS) Plan, also known as the PPO Plus of Texas is being discontinued effective January 1, 2013.
For those individuals currently enrolled in one of these plans, your 2013 plan election will automatically be defaulted to the Open Choice PPO Plan during this year's Annual Enrollment (October 15 to November 4, 2012). You will have the option to change to any other available medical plan of your choosing. If you don't make any changes, your enrollment will remain as the Open Choice PPO Plan.
Once Annual Enrollment is complete, plan changes will only be allowed with a Qualified Status Change. Plan offerings include three High Deductible Plans that offers a wide range of deductibles and coinsurances. These plans offer comprehensive medical and prescription drug coverage Source: Farmersagentsbenefits.com
Breaking News ! 
Heading on Aetna Letter of 07/20/2012:
RE: Farmers Agents Group Benefits Program
Your Plan is getting a rebate from Aetna
Agents and/or their dependents received a letter stating Aetna would be rebating .04% of policyholder annual medical premiums for 2011. Aetna paid your rebate to Farmers who administrates the plan on Aug 1st. Have you been notified with a rebate check or credit applied to future premiums? See more on our home page as to those who should get a rebate check..
Pulse of the Agents POLL 4balls flashing (attention0  
Farmers Agency Force Deferred Compensation Plan - Fund Change

We would like to announce the following changes to the current investment fund offerings for the Farmers Agency Force Deferred Compensation Plan. Effective at the close of business May 1, 2012, the following two existing funds were removed, while the following two new funds were added.  
Source: Farmersagentsbenefits.com
In our continued efforts to improve the Farmers Agency Force Deferred Compensation Plan, and its value to you, we are pleased to
..
RIP OFF ALERT
New online banking threat may signal your computer has a virus

A pop-up window appears requiring additional authentication when you log in to do some online banking. Is it friend or foe?
You need to be extra careful -- even at your own bank's website!
Chase warns that criminals have apparently figured out a new way to steal that is really both very clever and diabolical at the same time, and it goes way beyond simple phishing.
Greetings!

Wards top 50 P&Cs 2012 Ward's 50 Top Performing P&C Insurers

 

Being the best of the best is something every company wants to achieve. Ward's Group, a consulting group for insurance companies recently released its list of the best of the best property and casualty insurers in its Ward's 50 list for 2012.

Ward's analyzed the financial performance of 3,000 P&C insurers domiciled in the United States and identified the top 50 performers in terms of safety and consistency screens and achieved superior performance over the five years analyzed. The group produced statutory return on average equity for a five year period ending 2011 was more than five points better than the total P&C insurance industry during that period.  2012 Ward's Top 50 P&C Companies 

 

 
Snow, Wind and Fire Poach Profits from National Underwriters's Top 100 P&C Performers

Net premiums climb in 2011, but losses from catastrophes tip the balance sheets; Q1 results in 2012 show marked improvement
  

Combined first-quarter net profit among the Top 100 companies increased about 45 percent year-over-year, and the combined ratio for the group improved nearly six points to 97.5. For the overall U.S. P&C industry, first-quarter net income was $10.1 billion, up from $7.8 billion during the first three months of 2011, according to a joint report from ISO, PCI and I.I.I.

The industry's combined ratio improved during the first quarter to 99 from 103.3 the year prior-the best underwriting result since the industry posted a 91.6 combined ratio in Q1 2007.

 

To view these graphics, left click mouse on the graphic when it loads  

Top 100 Companies   

Top 100 Leaders & Laggards   
Top Groups by Line of business
 

 

Greetings!
Homeowners Insurance Ratings by Consumer Reports Magazine
Amica & USAA tie for first place in September 2012 published ratings @ 92 out of 100 points
Farmers & Allstate tie for last place @ 77 out of 100 points.
ConsumerReports 2012 ranking
 
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Greetings! 
                              UFAA Membership Benefits

  •   Our Quarterly magazine, The Voice, is published with you, the agents, in mind.  We regularly address issues, report on current events, and provide the agency force with a chance to freely express their opinions 
  • Our past legal endeavors now allow you to have that PC on your desk 
  • Our nationwide activities opposing agent-owned ACA bank accounts led to the management company creating a company-owned ACA-saving you money  
  • Our efforts on the national level, in conjunction with the CEAA, effectively eliminated the 15.3% SECA tax on your contract value 
  • Constant questions from our membership nationwide led to our introduction of a UFAA sponsored E&O program 
  • Membership gives you access to our extensive legal library and our archive of Farmers historical documents 
  • We introduced the "Original" E&O Deductible Recovery Program to help you earn more money from outside business without the worry of a large deductible 
  • Our outside legal opinion of the HMA agreement was designed to assist you in making decisions about your future 
  • Our efforts on the national level defeated legislation designed to change the IRS definition of independent contractors - a change that would have adversely affected our livelihoods 
  • Pro-agent legislation has been introduced in many states - and passed in several - that benefits all exclusive agents 
  • UFAA Technology Services, a subsidiary of UFAA, will assist members with computer hardware and software questions and problems, recommend computer programs to assist members in operating their offices and recommend hardware configurations 
  • As a member of UFAA you can log onto the member's only section of our Internet Website, www.ufaa.com, for the most up to date information available to the Agency Force. 
  • Members have access to affordable website development and free email 
  • We are actively involved in both national and state legislative efforts that are favorable to our interests 
  • Members enjoy the benefit of our Agent Referral Program for clients needing coverage at a vacation home or for that college student out of state 
  • Legal referral and assistance is also available to our membership 
  • 25% of your membership dues returns back to your local chapter 
  • UFAA holds a National Convention every year for its membership to gather, meet and socialize with old acquaintances and make new friends along with offering compelling and informative discussions and presentations to attendees 
  • UFAA members also have access to discounted continuing education

 As always, we are always working on offering more  

and more benefits to our membership.

 

 
New UFAA Disability Plan now available. The disability webinar will be held Monday Sept 10th 10AM CST. Access it  here 

   ufaa.hires.logo.15okla.jpg

    Join UFAA Today 

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Ok Ins Dept Logo

Will You be licensing a new CSR? Changes effective November 1st 

 

The Oklahoma Insurance Department (OID) is constantly working to improve relationship with Oklahoma licensees.   In 2011 and 2012 the OID had many legislative and administrative code changes that impacted the insurance industry.  As a result, a NEW license exam will be implemented November 1, 2012 to reflect these changes in the statutes, rules and regulations. The following release dates may help you make important 

decisions concerning your upcoming exam.

 

Effective November 1, 2012 the NEW exam will be implemented. This exam is for all license types requiring an exam and includes the newly enacted legislative and administrative code changes that impacted the insurance industry.  The exam is based on the November 1, 2012 State Study Manual, General Study Manual and the PSI Candidate Information Bulletin revised 11/01/2012.  

 

Persons taking the exam should take notice of the study materials to ensure they are using the appropriate study guides in preparation for the exam. The Candidate Information Bulletin from PSI will have the version date printed in the lower right corner of the cover and will be available for download on the PSI website

 

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 or too large to publish above.  
  
The Articles below are on our Home Page link this month
Just click the red  Home Page Link >> Here <<
   
emergency light flashing
Heading on Aetna Letter of 07/20/2012: 
RE: Farmers Agents Group Benefits Program
Your Medical Plan is getting a rebate from Aetna
Agents and/or their dependents received letters stating Aetna would be rebating .04% of policyholder annual medical premiums under the Health Care Reform's Minimum Medical Loss Ratio Act. That would equate to $40 for every $1,000 paid in Aetna medical premiums during the year 2011. See more info on this issue and the new 2012 Okla Insurance laws by clicking the Home Page link above. 

UPDATED:
Okla. Company Comparison Rate Charts- Auto: 06/12   Home:
08/12


NEW 2012 OKLAHOMA INSURANCE LAWS 
 ==========================================================================

 

 

Quick reference  Advertiser listing in this issue you can print or download for your office referral UFAA LAbel

 

===================== 
Okla Ins Dept: Change of address or name more than thirty (30) days after the change occurred shall be $50.
============================

Did you know? As a member of UFAA you get:

1 hour of tech support a month

1 Free @ufaa.com email address  

1 Free web page with your domain name


Call us today Toll Free, Primary # 1-866-441-8018

Alex Conger - UFAA Tech

 

Click here to access the Oklahoma Membership app.

 Have you missed past issues of the Okla. Voice? If you missed past issues, you can access them and other article headlines on our Chapter 15 Home Page Link above.  
 
Have you joined UFAA?

 We just can't make it much easier. Just mouse the Join UFAA logo to obtain the a membership application. Fill it out and 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.