NAIFA-West Virginia Mountaineer News
The Brokers Source, Ltd.
Click HERE for NAIFA-West Virginia's 2013-2014 Officers, Regional Directors and Committee Chairs
Terry S. MathiasPresident's Message

By Terry S. Mathias
2013-2014 NAIFA-West Virginia President

As I prepare to attend the NAIFA National Convention in San Antonio later this week, my mind goes back to the last convention that I attended which was in Seattle.  It was a great convention with a lot of motivating speakers and informative workshops.  One of my fondest memories from that trip, however, was my visit to Pike Place Fish Market.  Maybe you have visited the market or seen video clips from the market on television.  It is truly a unique experience.
First, the fish is incredibly fresh.  The only thing you smell are the fresh-cut flowers in the neighboring stand in the market.  Second, the fish is neatly displayed on ice so that everyone who walks by can see it.  And third and most importantly, the staff at the fish market is constantly interacting with everyone who walks by.  They engage people in conversation.  They make the fish "talk" to the children.  And when someone purchases a fish, they throw the fish to the individual responsible for wrapping it so the customer can take it home.  The employees of the Pike Place Fish Market work very hard, put in a lot of hours, and yet enjoy their work and have fun while they are doing it.  Because of the way they run their business, they have become world famous.
Have you ever wanted to become a world famous advisor?  Well, maybe you have not thought about that, but I hope you would want to be someone whom clients appreciate for all that you help them accomplish.  As you work to meet the needs of your clients on a daily basis, you can become world famous by practicing the four principles that they practice at the Pike Place Fish Market.  These principles are discussed in a book entitled "Fish" by Stephen Lundin, Harry Paul, and John Christensen.  The principles that helped the fish market become world famous are:
1. Choose your attitude:  There is always a choice about the way you do your work, even if there is not a choice about the work itself.
2. Play:  You can be serious about your business and still have fun with the way you conduct your business.
3. Make their day:  Look for ways to create great memories.  Make someone's day.  Engage your clients and people you see every day.
4. Be present:  Be fully engaged in your work.  Don't be sidetracked by the many distractions that come your way.  Stay on task and focus on things that are important.
As you plan for the fourth quarter, I encourage all of you to implement at least one of the practices above.  If you consistently do so, I'll bet you will have one of your best quarters ever.
Hildebrand Insurance Services 
Ameritas DI

For more information about sponsorship opportunities with NAIFA-West Virginia, please contact John Pauley at (304) 345-4343.
We would like to thank the following companies for their continued support of NAIFA-West Virginia and our dedication to the industry.
The Brokers Source, Ltd.
Raymond S. Phillips, CLU, LTCP
Thank You to Our Sponsors!Hildebrand Insurance Servieces
Ed Hildebrand, CLU, ChFC, RHU, REBC
Ameritas DI
Joe Noca

NAIFA-West Virginia
NAIFA-North Central WV CE Opportunity: October 25, 2012NAIFA-North Central WV CE Opportunity:

Thursday, October 31, 2013
Earn 6 Hours of CE in One Day!

8:00 am - 4:00 pm

Fairmont Clarion Hotel, Exit 137, I-79, Fairmont, WV 

NAIFA-West Virginia
Thank BIG!Think BIG!

Personal Development Coaching and Training
by Herman L. Dixon, CLU, CLF, LUTCF, LTCP, RFC, MBA 
New members receive a FREE, 30-minute, no-obligation, complimentary coaching session! Click HERE for complete details!

NAIFA-West Virginia
NAIFA Quality AwardCongratulations to Our 2013 NAIFA Quality Award Recipients!

The NAIFA Quality Award provides advisors at any career stage, the opportunity to demonstrate a commitment to exceptional:
* Professionalism through education and earned designations
* Production measured by performance metrics customized for each practice specialty
* Adherence to the NAIFA code of ethics, and
* Service to your industry association.
Advisors specializing in Life & Annuities, Financial Advising & Investments, Health & Employee Benefits, Multiline Sales or any combination of these specialties have the opportunity to demonstrate the quality that is the mark of a true professional.
For more information and to apply for the NAIFA Quality Award, please click HERE.

NAIFA-West Virginia
Advocacy HighlightAdvocacy Highlight

To view new Affordable Care Act Resources offered to NAIFA members, including FREE Repeat Webinar for NAIFA Members on Health Insurance Marketplace on Friday, Sept. 27, 2013, 1:00 - 2:30 p.m. EDT, presented by the Centers for Medicare & Medicaid Services (CMS):
Thom Stevens
Hi, I'm Thom Stevens, NAIFA - West Virginia Lobbyist and Editor of Health Care Highlights.
25th Anniversary  
We are celebrating the 25th anniversary of our unique health care publication and this year we welcome communications expert Andy Wessels to our team.
Our newsletter reaches more than 5,000 health professionals and health policy makers. Health Care Highlights is your best source for West Virginia Legislative and Governmental health information!  

NAIFA-West Virginia
NAIFANAIFA Applauds House for Passage of NARAB II Legislation

The National Association of Insurance and Financial AdvisorsThe National Association of Insurance and Financial Advisors applauds the House of Representatives for passing H.R. 1155, the National Association of Registered Agents and Brokers Reform Act of 2013 (NARAB II).
The bill, sponsored by Reps. Randy Neugebauer (R-Texas) and David Scott (D-Georgia), would make it easier for agents and brokers to conduct business in multiple states while preserving state regulation of insurance. NAIFA and a number of its industry coalition partners sent a letter to every member of the House of Representatives urging passage of NARAB II.
"NAIFA would like to thank Representatives Neugebauer and Scott for their efforts to shepherd this important legislation through the House," said NAIFA President Rob Smith. "Nearly 80 percent of NAIFA members have lost clients who moved to states in which they were not licensed, and 12 percent report that they have lost more than 50 clients this way. NARAB II would offer a common-sense solution to this problem."
Currently, agents and brokers must be licensed in each state in which they do business. NARAB II would create a national - not federal - clearinghouse for insurance agents and brokers to obtain approval to operate on a multi-state basis. NARAB would be governed by a Board of Directors dominated by state regulators and would establish standards for membership that meet or exceed the existing requirements in any state.
A prospective NARAB member would be required to be fully licensed in his or her home state and satisfy rigorous membership criteria for the national organization. An approved NARAB member could utilize the clearinghouse to obtain approval to operate in any other state.
"Passage of NARAB II would be a huge win for consumers," added NAIFA President Smith. "Insurance advisors often have relationships with clients going back years or even decades.  This legislation would make it easier for insurance professionals to maintain these relationships even if they or the clients move to different states. While NARAB II keeps all of the state-based regulations in place to protect consumers, it would reduce unnecessary costs and burdens associated with being licensed in multiple states."
A Senate version of NARAB II (S.534) is currently under consideration. It has bipartisan support, and NAIFA strongly urges its passage.

NAIFA-West Virginia
IFAPACYour Support of IFAPAC is Appreciated!

NAIFA strives to keep members and lawmakers informed about where
we stand on important issues. By clicking HERE, you can find NAIFA's
stances on the issues that matter most to the business of insurance
and financial advising. Check regularly for updates and additional information.
Please consider a contribution to YOUR Political Action Committee!
The Insurance and Financial Advisors Political Action Committee (IFAPAC) is a term used to describe collectively the PAC sponsored by NAIFA at the federal level and the PACs sponsored by each state association. Each PAC is a fund that supports the campaigns of candidates for public office who understand issues important to insurance agents and financial advisors. IFAPAC's goal is to help the associations advance the legislative and regulatory interests of the members of NAIFA. While any U.S. citizen can contribute to IFAPAC, only members of local NAIFA associations may be solicited to do so. Contributions must be voluntary. Contributions are not tax deductible for federal income tax purposes.
Of approximately 4,600 political action committees registered with the Federal Election Commission, IFAPAC ranks in the top tier. IFAPAC is the largest insurance PAC in the country. In the last election cycle, the national IFAPAC contributed approximately $1.1 million to federal candidates and committees.
For more information about IFAPAC and to contribute securely online, please click HERE.

NAIFA-West Virginia
Professional DevelopmentNAIFA Member Benefit of the Month
New Page on the NAIFA website for our members!

This new page is home for all the NAIFA Programs in a Box as well as the Online Conference Recordings and links to the NAIFA Webinar Series Archive, NAIFA ClientCast Power Session Archive, Online Seminar Series and more.
Members can access this new page from the Member Benefits section of the NAIFA website or directly at http://naifa.directionsav.com.
There you will find all of the available streaming videos, webinars and podcasts offered for your convenience.
For a complete and comprehensive list of all the exclusive benefits of NAIFA membership, please visit www.naifa.org/benefits
NAIFA is the largest financial services membership association in the United States, comprised of more than 700 state and local associations representing the interests of 200,000 members and their associates nationwide. NAIFA's goal is to protect your livelihood and your clients' financial security.
To join or renew securely online, please visit www.naifa.org.
NAIFA-West Virginia 

NAIFA - West Virginia
For more information about the National Association of Insurance and
Financial Advisors - West Virginia, contact John Pauley, CLU, ChFC, CLTC
at (304) 345-4343 or e-mail johnpauley@ft.newyorklife.com.
Visit NAIFA-West Virginia's website at www.naifawv.org.