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

I want to give you a brief report about the National Convention which was held in San Antonio this year from September 28 to October 1.  It was a great event with a lot of opportunities to network with other professionals from all over the country, to listen to some inspiring main platform speakers, to attend extremely informative workshops packed with ideas to grow your business, and to enjoy the city of San Antonio (Alamo, Riverwalk, great restaurants, etc.).  I met several advisors from Utah, Illinois, Maryland, and Delaware.
I took away a bunch of notes from the convention which I have been applying to my business.  One idea that I would like to share with you was from Tom Hegna's workshop on retirement income.  He emphasized the fact that retirement is all about income, and stated that a retirement plan is not complete unless it contains the following four components:
  1. Cover basic expenses with lifetime income annuity.
  2. Optimize the rest of your portfolio to protect against inflation (Buy income, invest the difference!).
  3. Plan for long term care.
  4. Use permanent life insurance to transfer wealth to the next generation.
Life insurance companies are designed to provide solutions like these, and are well positioned to help the 10,000 baby boomers who turn 65 each day.  I would encourage you to think about this strategy, especially as you work with your baby boomer clients.
This is just one of the many great ideas that I took away from the convention, and I am already planning to attend next year's National Convention in San Diego celebrating 125 years of NAIFA from  September 6-8.  I would encourage you to do the same.
In keeping with point 3 above, remember that November is Long Term Care Awareness Month and you have a professional obligation to talk to your clients about long term care.   Make sure that each of your clients has a plan in place to deal with long term care.  Your clients' families will be grateful that you did.
Finally, make sure to take time this month to thank those family members, friends, peers, and clients who enrich your life.  Give Thanks!Life is all about relationships, and in our profession we are blessed to have many wonderful people in our lives. 
Give Thanks!
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.
Raymond S. Phillips, CLU, LTCP
Thank You to Our Sponsors!412-847-0770
Ed Hildebrand, CLU, ChFC, RHU, REBC
Joe Noca

NAIFA-West Virginia
NAIFA-Charleston CE Opportunity and Monthly Membership Luncheon

Tuesday, November 12, 2013

"LTC Awareness Month"
Long Term Care   
Two-Hour Morning CE, plus Guest Speaker:
Michelle Prather
Regional Manager Director, One America
Edgewood Country Club, 1600 Edgewood Drive, Charleston, WV

NAIFA-West Virginia
Society of Financial Service ProfessionalsSPECIAL INVITATION FOR NAIFA MEMBERS!
SFSP-Charleston Chapter Video Teleconference:

"A Re-Look at Both the Tax Code and the Affordable Care Act"

Earn Two Hours CE Credit!
Wednesday, November 20, 2013  |  1:00 - 3:00 PM

Edgewood Country Club, 1600 Edgewood Dr., Charleston, WV
For more information and to RSVP, call or e-mail Executive Director John E. Pauley, CLU, ChFC, CLTC at (304) 345-4343 or

NAIFA-West Virginia

NAIFA - West VirginiaNAIFA Career Conference Report
By Stephen Biron, CLU, LUTCF
NAIFA-WV National Committeeman
San Antonio, TX was the site of the 2013 NAIFA Career Conference and Annual Meeting, September 28th - October 1st.  NAIFA-WV President Terry Mathias represented West Virginia during the Parade of State flags that traditionally opens the convention.
NAIFA-West Virginia at the 2013 National Convention  
The meeting included something for everyone... a phenomenal line-up of Main Platform speakers, numerous Agent Educational workshops, Advocacy updates from the NAIFA staff, a wide variety of industry vendors, Awards presentations, good food and entertainment on the Riverwalk, a visit to The Alamo, Networking opportunities, making new friends, and much more.
NAIFA-Charleston was recognized on the Main Stage for its Fourth Consecutive Platinum Jack E. Bobo Award representing Excellence in Association Management and Member Benefits. Congratulations to Dale Goff, CLU, CFP (2012-2013 President) and the NAIFA-Charleston Board of Directors for another great job.  Charleston was one of only 16 Associations in the Federation to achieve the Platinum (highest) level.
NAIFA Management Membership Achiever Awards were presented to William McCloe Jr. (New York Life) and James Dobbs (Northwestern Mutual).  We appreciate your continued support of NAIFA!!
NAIFA's new President is John Nichols, CLU, MSM, of Disability Resource Group, Inc. in Chicago. Joining Nichols on NAIFA's Executive Committee are: President-elect Julie Y. McNeely, CFP, CLU, LUTCF, of McNeely Financial Services in Spencer, Wis.; Treasurer Matthew S. Tassey, CLU, ChFC, LUTCF, of Principal Financial Group in Portland, Maine; and Secretary Jules O. Gaudreau, Jr., ChFC, CIC of The Gaudreau Group, Inc. in Wilbraham, MA.  The delegate council also elected the 2013-2014 Trustees to the Board.
In addition, the proposed dues increase was defeated while the amendment to add YAT (Young Advisors Team) as a permanent Board committee was approved.
Special thanks to our NAIFA-WV attendees: John Pauley, Terry Mathias, Stephen Biron, Sharon Sabo, Jim Peterson, and Kathy Chesley. Click HERE for photo highlights.
The 2014 NAIFA Conference is scheduled for September 6th - 8th in San Diego.

NAIFA-West Virginia
John E. Pauley, CLU, ChFC, CLTCExecutive Director's Report
John E. Pauley, CLU, ChFC, CLTC
As we approach the Holiday Season, it is important to pause and reflect on the many blessings we sometimes take for granted.
LOVE FROM FAMILY AND FRIENDS provide the support and encouragement we all need to get through the "tough" times.  Take a moment and thank those "special" people in your life for all that they do and tell them how much you appreciate them.
HELP SOMEONE LESS FORTUNATE.  This could be a kind word, some quality time, a donation, or volunteering your time to help serve a meal or buy a present for an underprivileged child in your community.  There are several worthwhile charities in the area that can use your help..make a call today and help someone in need.  You'll be glad you did.
GOOD HEALTH IS TRULY A BLESSING that we don't understand until it's gone.  All the money in the world cannot buy your health.  Make a commitment to yourself to eat right, exercise, reduce your stress and take care of your self. It's never too late... you owe it to yourself and more importantly... to your family and children.
Best wishes for a Happy Thanksgiving and continued success.

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!
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
NAIFAHealth Insurance Agents Identify Problems,
Issues with Affordable Care Act

Lower-income Americans seeking subsidies particularly affected
While technical defects have prevented millions of consumers from enrolling in the online health insurance marketplace, members of the National Association of Insurance and Financial Advisors say consumers' lack of experience and knowledge in choosing a health plan poses an even greater challenge.
"The inability to log on to is just the first obstacle consumers face in their efforts to purchase health insurance," said NAIFA President John F. Nichols, MSM, CLU. "Consumers need the expertise that brokers and agents provide in helping them choose a plan that meets their unique needs. We want to be a solution by helping consumers make the right choice on the exchanges. Coverage does not begin and end with enrollment."
Nichols said consumers need assistance in three major areas:
Comprehension: Consumers do not understand the various medical plans currently offered on the state and federally-facilitated marketplaces.
Pricing: Consumers are unable to compare the pricing of the plans and determine which plan is best for them and their families.
Application process: Consumers need assistance completing the complex application for coverage.
Subsidies for coverage should be available both inside and outside the exchanges

While millions of Americans have had major difficulties logging on to the site, there is an even greater flaw in the ACA that affects poorer Americans, says NAIFA President John Nichols: Government subsidies are available only to those purchasing plans through the federal and state exchanges, which limits the options of lower income consumers who cannot consider competitive plans outside the exchanges.
"Those hurt most by the glitches are the most needy," Nichols said. "Individuals who aren't eligible for subsidies can easily obtain coverage outside the exchanges on the existing market, which isn't filled with glitches and delays. Unfortunately, lower income Americans can only use their subsidies for coverage purchased inside the exchanges. This is one of the reasons NAIFA argued that the subsidies should be available both inside and outside the exchanges."
Even if the government can get the exchanges running more smoothly, it still makes sense for consumers to have the freedom to use their subsidies on plans purchased outside the exchanges, Nichols said.
"An off-exchange plan may provide more suitable coverage for a particular individual or family, or it may be cheaper than exchange-base alternatives," Nichols added. "Yet consumers, if they need to take advantage of the subsidies, are locked into the limited choices on the exchanges."    

NAIFA-West Virginia
Your 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
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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
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
Visit NAIFA-West Virginia's website at