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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 November 1st 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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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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John Lucido Executive State Dir. for Oklahoma & Arkansas Passes Away.
When Lucido was appointed State Dir of Oklahoma, he stated,
"I look forward to working with the outstanding agents, district managers and employees who call Oklahoma their home," said Lucido. "Farmers has a long and proud history of serving the residents of this state, and I am pleased to be able to continue that tradition."
Lucido began his Farmers career in July 1984 as a claims representative in Campbell, Calif. In November 1987, he was rep. promoted to supervisor in the San Francisco claims office and was later promoted to branch claims manager in November 1989 for the Santa Clara, Calif., claims office.
He transferred in November 1991 to the human resources department in the Pleasanton, Calif., regional office, where he served as a human resources specialist. In January 1994 Lucido was promoted to division marketing manager in the Pleasanton office.
Lucido left California in June 1997 when he was transferred to the Phoenix Service Center as commercial service center manager. In October 2000 he was named state executive director for Nebraska; the states of North Dakota and South Dakota were added to his responsibilities in 2007, and Iowa was added in 2009.
He received his bachelor's degree from the University of California-Davis.
John and his wife, Tracy, have two children. UFAA Chapter 15 has sent flowers and a card to the church for John's funeral services Thursday the 25th at 11:00am at Liberty Church at 7777 S Garnett Rd. State office will be closed the entire day...in his honor. John was liked and respected by all who knew him. We will miss him and his positive leadership in Oklahoma.Your may go to the Lucido Biography link to read more about his life and to the Lucido Guest Book to read comments from friends and Farmers Agents, DMs and Employees. |
Greetings!
Join us November 1st at the Lone Star Steakhouse
for the UFAA Chapter 15 Monthly Meeting
Chapter 15 will hold the next monthly meeting on Thursday, November 1st 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) Message From the PresidentI was so impressed by the huge member & non-member turnout for John Lucido's memorial service. I believe all but one or two association member/supporters were there. I've never attended a funeral/memorial service with so many Farmers family professionals attending & showing such respect for a great man taken from his two families.
Yes, his Farmers family dominated the service, but when his personal family shared, the tears could've raised Noah's Ark. Such a loss of such a young man that was such an example of husband, father, & company man who was open & honest to any agent. He will be missed & hard to replace.
The highest honor you can do in John's memory is to take control of your health. What good are you if you are
not in top shape, feeling great. The healthy/fit cream rises to the top. Think about it, stop being in denial & co-insure your healthy future. A little effort will go a long way physically & mentally. Just do it.
NOV 1st AGENDA Important & Urgent1. Officer nominations. 2. Xmas party planning info. Prepare to party.
3. Ears only info relating to the new agent contract coming. Can't discuss any of this except at the meeting with members. Visiting non-members will have to leave the room for this discussion.
4. Discuss 10 to 300% rate increases. Yes, I said 300%. Watch your commercial renewals.
5. To top this, we have arranged a special LUNCH SPONSOR. Free lunch & advance your knowledge & career! Not to mention building better relations with Fig & Non-Fig agents. Glenn Johnson Chapter 15 President.
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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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!
Have you checked rates on your E&O?
Unless the time is extended, your Farmers benefits selection opportunity will close on Nov. 4th. If you haven't looked over the The UFAA Sponsored E&O and Disability plan you can do it here and now.
Go to ufaa.com for more info and to obtain quotes on UFAA Sponsored E&O and Disability Plan.
Click on the links in the right column
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!
J D Powers 2012 U.S. National Homeowners Insurance Study of examining five factors: billing and payment; claims; interaction; policy offerings; and price.
Are you rated "D" under the Agency Growth Model? Farmers Still "D" Rated by J D Powers and Consumer Reports Magazine
as reported in the Sept issue J D Powers, now in its 12th year, the study measures customer satisfaction with homeowners insurance companies. Overall satisfaction with homeowners insurance companies averages 785 in 2012 (on a 1,000-point scale), the highest level in the history of the study, and improves by 16 points from 2011. Additionally, satisfaction improves by 19 points among customers who bundle their auto and homeowners policies with the same insurer, compared with an improvement of 10 points among customers who have their auto policy with another insurer. Satisfaction is higher in all five factors year over year, with the greatest gains in the policy offerings and billing and payment factors (+35 points and +27 points, respectively). The gains in policy offerings are more pronounced among customers who bundle their auto and homeowners policies than among those who have their auto policy with another insurer (+39 points vs. +25 points, respectively). The competitiveness of discounts and the variety of coverage options are key differentiators among those customers who bundle their insurance. "The increase in satisfaction with policy offerings is directly related to customer perceptions that insurers are doing a better job in offering the right coverage options at competitive prices when policies are bundled," said Jeremy Bowler, senior director of the insurance practice at J.D. Power and Associates. "Bundled policies not only may provide a reduced premium for customers, but may also be advantageous to both parties, as it allows customers to interact with a single insurer, potentially streamlining both billing and payment."
While auto is the most typically bundled policy with homeowners, the study finds a direct relationship between bundling any additional products and higher satisfaction. Satisfaction among customers who insure only their home with their homeowners insurer is 712. However, when one additional product is bundled (typically an auto policy), satisfaction increases to 792. When four or more products are bundled with the insurer, satisfaction further increases to 861.
Not only does bundling increase satisfaction with homeowners insurance companies, but it also increases customers' intent to renew their policy. Among customers who have homeowners insurance only, just 28 percent say they "definitely will" renew with their insurer. Among customers who bundle two policies, 46 percent say they "definitely will" renew with their insurer, and increases to 66 percent when four or more policies are bundled.
"Insurance companies have a tremendous opportunity to create loyal customers by delivering a satisfying bundling experience and deepening their penetration into the household," said Bowler. "Once established, customers are inclined to keep their policies bundled. Additionally, they are more likely to add more products to their policy in the future."
Amica Mutual ranks highest in satisfaction (859) for an 11th consecutive year among homeowners award-eligible insurance companies and performs particularly well in all five factors that contribute to overall customer satisfaction. Following Amica Mutual in the rankings are ACSC (AAA) (824) and Erie Insurance (822), respectively. USAA, an insurance provider open only to U.S. military personnel and their families and therefore not included in the rankings, also achieves a high level of customer satisfaction. FYI:
Farmers JD Power ranking points was 755 in the year of 2011 and ranked #16 of 22 P&C companies. In 2012, Farmers improved by 5 points to 760 points and ranked #22 of 23 P&C companies while the industry average improved by 16 points.
Here is another 2012 Top Ten Company rankings by Insure.com.
This is an interactive ranking that you can click on this graphic and go to insure.com for the top 20 companies ranked by claims, service, value and client referral.  |
 Greetings!
Former Farmers Insurance District Manager, sues company for $13.8 million
A former Sacramento area district manager for the Farmers Insurance Group who made $2.6 million over four years is suing the company for more than five times that amount on grounds that he got jobbed on an unfair business practices violation.
Michael J. Pexa of Granite Bay claims Farmers misclassified him as an independent contractor in a suit that's heading toward a showdown in Sacramento Superior Court. He says the insurance giant still owes him $13.8 million for overtime, business expenses, a pension program, health insurance and the value of his contract.
By characterizing the managers as independent contractors, Pexa says Farmers avoids tax obligations and reimbursements required by the state Labor Code.
Read more here |
 Dear Members;
In accordance with our Chapter and National Bylaws, may this serve as official notice of our upcoming meeting and Chapter 15 Elections to be held at our usual meeting place on Thursday, December 6, 2012, at 11:30 AM at the Lone Star Steakhouse 101 E. Albany St. Broken Arrow, Ok.
Any regular member or chapter member emeritus in good standing may also announce their candidacy for one of these offices by notifying me by return email, prior to 8 AM, CST on the date of the election. If you can not attend the meeting, you may vote by email, and this or a future reminder may serve as your ballot, but your vote must be received by 8 AM on the date of the election to be counted.
There will be at least one more reminder prior to the election and if any new candidates appear the ballot will be updated and you will be duly notified.
The following names have been placed in nomination for Chapter Officers for 2013:
President- Glenn Johnson
Immediate Past Pres. Mike Ward
VP- Mike Gately
Secretary- Drinda Collins
Treasurer- Terry Wilson
Nominated Delegates to the National Convention in Las Vegas in June 2013:
Same as listed above.
Glenn Johnson Chapter 15 President
United Farmers Agents Association
Chapter15@ufaa.com |
Pulse of the Agents Polls for November
 Question #1
Inexperience agents vs. profits
Competitive quotes after the Sept 2012 fire increase
Question #3 Fire PIF loss after Sept 2012 fire rate increase
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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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Automobiles have come a long way in just the past few years. Engineers have made great advances in protecting passengers in a crash. They're now hard at work on systems that warn drivers when they drift out of their lanes, and when pedestrians or other vehicles are in their blind spots. Until recently, however, car interiors were pretty primitive compared to the technology we've grown accustomed to in our living rooms and offices. The Dentist-
A man went into his dentist to see why his dentures kept decaying rapidly on him. The dentist looked at his dentures and remarked, "This is very odd. They look like something's been eating them. Is there anything different that you've been eating lately?" The man thought for a bit and said, "Well, my wife has been making a lot of eggs Benedict recently with hollandaise sauce." "Ah!" exclaimed the dentist, "That's it. I know just what you need. I'm going to order you some new dentures with plates made out of chrome." "Chrome?" exclaimed the man incredulously, "Why Chrome?" "Because, there's no plates like chrome for the hollandaise."
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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FGI & 21st Century Customer Survey Results 
by freeadvise.com
Click 21C & Farmers logos for survey results.  Speaking of 21st C..Interesting Webinar
Tuesday, October 9, 2012 10:46 AM
Subject: Life Web Conference Call
I participated in a 45 minute webinar this morning on the new Life product out 10/13/2012 and one of the things I noticed at the top of the illustrations, was the following: A NEW PRODUCT FOR 21ST CENTURY. So keep your eyes open and let me know whether I really saw it or it was a mirage. So now, I guess they will be offering the life insurance directly to 21st Century clients. At least that's my assumption based upon what I saw. Okie Agent
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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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09/13
 | | Click our ad to go to our website for more info. |
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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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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 1
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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FOREMOST INSURANCE GROUP JOINS TRUSTED CHOICE® 
ALEXANDRIA, Va., Oct. 28, 2010 - The Foremost Insurance Group is the newest member of the Trusted Choice® consumer branding program for independent insurance agents and brokers. Foremost, headquartered in Michigan, is a leading provider for property and casualty insurance products in the United States. They join 57 other leading insurance companies nationwide as a Trusted Choice® company partner. MORE>>
Click graphic below for the Foremost Customer Survey Results. 
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 | | Okla. Ins Commissioner. |
Greetings!
Oklahoma Agents: Agent Alert
The Oklahoma Insurance Department would appreciate your assistance in gathering information on Oklahoma's Workers' Compensation System.
If you have the opportunity, we ask that you share our Workers' Compensation Survey with business contacts in your community. Our hope is to gather an accurate picture of our state's Workers' Compensation System.
The information gathered in these surveys will be used to inform, educate, and enrich our state's discussion on Workers' Compensation Reform.
Respectfully, 
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Greetings!
Group Medical Premium Rebate From Farmers Poll From the Sept 2012 Oklahoma VoiceIf 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 45% (if you are still in the plan)
I qualify but have heard nothing from Farmers 55% If you are no longer in the plan they owe you $$
The rebate was .04% of 2011 Aetna medical premiums. If you are still in the plan, they say you will receive a .03% rebate in 2013. If your not in the plan in 2013, how do you plan to collect?
The difference between the .04% & .03% rebate is the subsidized rate they paid for agent coverage @.03% Vs. no subsidy for employees or dependents @ .03% rebate. You need to know this and request reimbursement from Farmersagentsbenefits.com website, if you qualify.
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 Greetings!
THE BUDDY DRIVE Now is the time to join the only Association of AGENTS HELPING AGENTS® Now until the end of December 31, 2012 if you and a buddy join both new members will receive $100 discount on FULL REGULAR MEMBERSHIP paid annually (that is a cost of $260), for those of you that would like to join as a FULL REGULAR MEMBER and pay semi-annually both buddies will receive a $50 discount ($25 at the time of joining and $25 at the 6 month renewal, which is $155 each time for a total cost of $310). Here are a few of the benefits of your membership: -
Discounted rate for our Errors & Omissions Protection
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Access to the members only section of www.ufaa.com
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Discounted rate for our new Disability Program
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Access to our legal library and assistance by our Legal Director
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Technology support and discounted technology pricing
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Access to an Exit Guide when leaving the agency force
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Access for qualified members to receive our Tax Guide
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New information to assist in the running of your Agency
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Attendance at our National Convention in June in Las Vegas
These are just some of the advantages. Take advantage of all we have to offer. Please call if you have any questions. To take advantage of the Membership Drive please write "Buddy" along with the other agents name in the "referred by" section at the bottom of the application. The fine print... These new members will be placed in a non-rebated category/chapter offering them the opportunity to move to a local chapter after one year of membership or they may request to be placed in the chapter 99, confidential chapter. Any local chapter requests prior to the completion of the first year of membership will not apply to this membership drive. To qualify for these discounts you must be joining as a FULL REGULAR MEMBER of the association and if you are rejoining you must have a membership lapse of more the 90 days. Regards, Cindy Eggert NATIONAL MEMBERSHIP DIRECTOR Get a member application here |
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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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