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Published monthly by United Farmers Agents Association,
aka UFAA, Chapter 15 Eastern Oklahoma. The chapter meets the first Thursday of each month.
Next Chapter 15 Meeting will be Thursday Oct. 4th 6th 11:30 AM
Lone Star Steakhouse 101 E Albany St. Broken Arrow
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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
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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 UFAA's newly updated website |
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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
Learn more about our advertisers in this issue. Ads are hot links to their websites.
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Greetings!
Join us October 4th at the Lone Star Steakhouse
for the UFAA Chapter 15 Monthly Meeting
Chapter 15 will hold the next monthly meeting on Thursday, October 4th 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) T Mobile taking $300 Oklahoma Voice ad. She also will speak at the meeting next Thurs
& explain how easy & profitable T Mobile can be for your business.
A very special opportunity for members and for referrals. $50/mo for unlimited minutes, data & email. Then it is free for 3 paid referrals.
This meeting is a must come. Also, discussion of every door direct mail, how to get 4000/post cards out per month free, & easy with UFAA, Chapter 15 president's help This bus & our association just keeps getting better!! We have Ammo for you for the war of renewals.
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.
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918-663-5848
Fire, Water, Storm Damage & Other Perils Full Service Mitigation and Reconstruction 10344-B East 58th St Tulsa, OK 74146
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UFAA also has introduced a new long term disability program for agents, DMs and their employees. Be sure to review the UFAA sponsored plan before you make your final disability coverage decision.
Greetings!
Long Term Disability for All Agents
You will receive a Farmers personalized Agent's Benefits enrollment packet in mid-October listing your current coverage, your 2013 options and your monthly premium rates. Now is the time to get up to speed and receive a disability quote from the UFAA sponsored Disability Plan- Holmes Murphy for your 2013 disability coverage.
Go to ufaa.com for more info and to obtain a quote to compare to the Farmers Disability Plan.
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.*
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 | | Click here to obtain an Oklahoma UFAA Membership App |
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Click logo above to view the UFAA Website
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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 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!
Is the AMP program serving your needs?
 Thinking about sending mailings to addresses near your business? Now it's even simpler and more convenient with the enhanced online tool for Every Door Direct Mail from the U.S. Postal Service. The postage is as little as 14.5 cents per mailing.
Try it today! And, it can be free 4 U if you get 4 to 6 other unrelated businesses to join your ad mailing. We know as two of our chapter members have done it. Check it out at the link above. (Best thing is - no address labels or stamps required) |
 Greetings!
Your Farmers Agent Medical Plan is getting a rebate from Aetna
Only some states are receiving rebates from Aetna. Although Oklahoma is not shown in the reference material for a rebate, the Farmers Agents Benefits plan is based in California that does qualify you for a rebate if you or your dependents or employees had coverage in the plan during 2011.
However, some agents have reported to the Oklahoma Voice they received a letter from Home Office Benefits stating The Farmers plan did receive a rebate from Aetna in the amount of $225,856,000 or .04% equaling the amount overcharged in 2011. Farmers advises they will not rebate this to the policyholders. Instead, they will use what equals .03% of the (Farmers subsidized) rebated amount to reduce the policyholder rates on the 2013 medical plan which is permissible within the Affordable Health Care Act regulations.
(only the Agents are subsidized, not dependents/employees.)
But, there is a problem here! If you or a family member [dependent] or employee dropped out the Farmers Medical Plan anytime during the 2011 plan year or anytime during the 2012 plan year for a qualified status change, that person(s) will not see the rebate applied to the 2013 rates as they are simply no longer a policyholder of the plan.
Farmers should send a rebate to these policyholders direct. For those dependents and employees that did not have their premiums subsidized by Farmers, they or perhaps you the agent should receive .04%, not .03%, if the agent paid all of the premium and did not charge the employee/dependent the full cost. (otherwise, the rebate will be shared) We will follow up with the Oklahoma Insurance Dept to insure that Farmers does the right thing on this issue. -ed Pulse of the Agents Poll - Sept. issue
If you had Aetna Medical coverage with Farmers in 2011, has Farmers Benefits notified you with a rebate check or applied it to future medical premiums?
I got a rebate check! 0% Farmers applied rebate to future 2012 premiums 0% They stated they would apply to 2013 premiums 44%
I qualify but have heard nothing from Farmers 56% |
09/19/2012
Planned AEG sale muddies Los Angeles sports future
Feb. 1, 2011, file photo, Paul Patsis, president of Market Management for Farmers Insurance, center, poses with Los Angeles Kings cheerleaders. Click picture for the story.
09/28/2012
UPDATE: LA City Council backs $1.2-billion deal for downtown NFL Stadium.
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Chapter 15 and the Oklahoma Voice welcomes Trinity Wireless as our newest advertiser.
Unlimited Nationwide 4G DATA TALK TEXT Phone Service $49/mo.
Trinity Wireless offers a better way to get mobile service at a great price - plus the opportunity to earn when you share.
Opportunity for Yourself/Opportunity for Others
Trinity Wireless works because relationships work. People inherently want to share, and technology makes that easier to do every day.
Why We're Different
We think a person's voice is the most powerful form of marketing, so that's what we want to invest in. While other companies spend billions on traditional marketing, we reward you for sharing Trinity Wireless with your connections.
Opportunity for Yourself
We put you in charge of what you pay for mobile service, and simply making the switch to Trinity Wireless is the first step to spending less: $49 a month for Unlimited Voice, Text, and Data.
It gets even better.
You can earn money just for sharing Trinity Wireless with others. As your network of connections grows-both through your actions, and the actions of each person who joins because of you-you can even make a profit every month.
"We" Is Better Than "Me"
We focus on relationships because everyone benefits when more people can take initiative and build their communities. Now more than ever, each person has the power to make something bigger than themselves. So it's not about charity or self-sacrifice; it's about knowing that we succeed best when we have opportunities to do more for ourselves and others. Trinity Wireless is one of those opportunities.
Trinity Wireless 6380-B East 31st St. Tulsa 74135 918- 828-3642
Open Mon-Sat 9am to 8pm
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Click for our website
. Call Ron 918-282-9093
Ron Quinalty-rquinalty@tntsecurityservices.com
TNT Security:
Our goal is providing homeowners and small business owners with a wide range of security options at an affordable price. 04/12 |
UPGRADES - REPAIR - NETWORKING -
VIRUS CLEANUP
SAME DAY SERVICE
FREE DIAGNOSTIC & ESTIMATE
DROP-OFF AND ON-SITE SERVICE 918-622-1700
10208 E 41 St. Tulsa click graphic for pricing
09/13
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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.
 Ads are hot links to our advertisers websites. Click any ad for more details.
ads rotated for 09/12 issue.
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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 1
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.
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 A minister was asked to dinner by one of his parishioners. The churchgoer was known for being a terrible housekeeper.
When the minister sat down at the table, he noticed the dishes were the dirtiest he had ever seen in his life.
"Have these dishes ever been washed?" he asked the hostess, running his fingers over the filthy dishes.
She replied, "They're as clean as soap and water could get them."
He felt a bit apprehensive but said grace and started eating. It was quite delicious, despite the dirty dishes.
When dinner was over, the hostess took the dishes outside, whistled and yelled, "Here, Soap! Here, Water!"
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.
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Farmers kept busy with catastrophes, public events and news releases
Here is a listing from Yahoo News
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We now repair auto electric Windows
Call for Board up Service 24/7
 Click to check out our website 08/13
Tulsa Broken Arrow
918/664-7904 918/258-7578
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Bethel Collision Center in Broken ArrowBBB Rated A+
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Our Guarantee Check our website
Thank you choosing Brad's Seamless Guttering for your rainwater control system, Please accept this as our written letter of Guarantee, Our Guarantee is as follows: Brad's Seamless Guttering will repair or replace any defect in workmanship or materials for a period of two years from the original date of installation, This covers any guttering that leaks sags or comes loose as a result of faulty workmanship or materials This guarantee does not cover repairs which are due to acts of nature or neglect. 9727 East 46th Place Tulsa, Ok 74146 Call us- 918.252.RAIN for New Guttering, Repair or Cleaning. 09/12
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Farmers Insurance Announces 2013 Tournament Of Roses Parade Will Feature First Live Wedding
PASADENA (CBSLA.com) - Not everyone can be Kate Middleton and have a fairytale wedding watched by millions of people on TV and online. But one lucky couple could still score a comparable TV audience and a free wedding if they win a contest announced Monday by Farmers Insurance. Farmers Insurance is searching via its Facebook page for a couple to get married aboard the company's "Love Float," which will be a part of the 2013 Tournament of Roses Parade on New Year's Day. The company expects the couple to have more than 50 million witnesses made up of television viewers and parade goers. Besides the very unique experience of getting married on top of a Rose Parade float, the winning couple will get a trip to Pasadena for themselves and up to six friends, a wedding dress for the bride and a tuxedo for the groom, his and hers wedding rings, hair and makeup services for the bride, marriage license fees and - most importantly - two tickets to the 2013 Rose Bowl game for the couple. One of the couple's wedding photos will be used in one of Farmer's national advertisements. Four finalists will receive a $500 gift card from the company. To be eligible, couples must be legal residents of the United States (except Alaska, Idaho, Indiana, Maine, New Hampshire and New Jersey), 21 and older and not currently married. Couples must also meet all California state marriage license requirements. The deadline to enter is Oct. 14. |
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Edmond 405-330-0025Tulsa 918-270-2888
Factory Certified Contractor. Please visit our Edmond & Tulsa Showrooms At Red River Roofing, our goal is to provide you the proper information to make the best roofing decisions. Should you have any concerns, questions, or comments, do not hesitate to contact our offices.
Residential & Commercial Roof Repair & Replacement. www.redriverroofing.com info@redriverroofing.com 05/13
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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. See article above
Join UFAA Today
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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
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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 or too large to publish above.
The Articles below are on our Home Page link this month
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 
===================== Okla Ins Dept: Change of address or name more than thirty (30) days after the change occurred shall be $50.
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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.
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