ufaa header 0412

Having trouble viewing this email, active links or waving flag below? Mouse  "click here" at the top of this newsletter to view all graphics, images and text as a web page.
 
OKLAHOMA
  Oklahoma Waving Flag   
 VOICE
    MAY 2013  
 Published monthly by United Farmers Agents Association,
aka UFAA, Chapter 15 Eastern Oklahoma. The chapter meets the first Thursday of each month.

 We are moving meeting location     Shanghai Avenue Super Buffet
             Next Chapter 15 Meeting will be Thursday May 2nd 11:30 AM      
                   SHANGHAI AVENUE SUPER BUFFET 803 N. Aspen
             Next to Arvest Bank @ S/E corner of S. 145 East Ave (Aspen)
& E. 71st St (Kenosha)  Broken Arrow.        Chinese - Japanese - American Foods
                     L
unch $6.45 Dinner $7.95. Accepts all major credit cards.                      
                              Non-UFAA Members Welcome.   




 
                      The First Amendment to the U.S. Constitution
First Ammendment

Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances. 
Logo
NOTICE TO: Okla. State & District Offices:
The first Thursday of each month has been dedicated by Oklahoma UFAA Chapters 12 & 15 as OUR day to peacefully assemble and meet. Not even Congress can prohibit such peaceful actions.
We would request that State and District meetings NOT be held on the first Thursday of any month between the hours of 10:30AM and 2:30PM to avoid violation of this law. 
Please mark your calendars accordingly. Thanks in advance. -Chapters 12 &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

 

Get a UFAA Membership App here 

                                                             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.

4balls flashing (attention0
As a result of several reader requests, we have changed most of the article background colors to white in the Oklahoma Voice to speed printing and use less ink.
Greetings! 
                                     
Join us May 2nd at the new Shanghai Avenue Super Buffet
    for the UFAA Chapter 15 Monthly Meeting
 803 North Aspen S/E Corner of S. 145th East Ave & E. 71st St. next to Arvest Bank
       MAP

Message From the President
AGENDA For May 2nd Chapter Meeting
  NON-MEMBERS ARE WELCOME
We have a lunch sponsor so don't miss this one.
Get to know a good Red River Roofing contact for fast service.
1. Discussion of Lawsuit status. How the Company/agent relationship is changing.
2. Convention agenda
3. Service tips, How some members are taking retention to new highs by
    exceeding service expectations using our vendor contacts, who can't
    afford to let us down. They want to please our membership for obvious
     reasons. Using mobile devices for exceptional service.
4. Discussion of non-member business changing agents & leaving the company
    The evidence is mounting. We are service oriented agents dedicated
     to building excellent client relationships. Our vendors are becoming
    a big help.
5. Why our Chapter is among the top in the nation.
6. Recruiting the better agents that are long term & service oriented.
Come & gain two more vendor references for your cell directory. Specific
names you can call to assist your client. More to come in June.
             Chapter 15 membership has it's privileges.
I hope to see Tulsa's finest agents there as usual. Glenn Johnson, Chapter 15 President. 

If you plan to join us for lunch, Please Arrive for Lunch Promptly @11:30
UFAA Meeting begins at Noon.  
Red River Roofing logo transparent Check out our website
 Edmond 405-330-0025
Tulsa 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 

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.

UFAA logo Greetings!

UFAA Makes Cease & Desist Demand to Farmers

Read it here

Mouth Double speak
Recent UFAA Legal Letters to Farmers-
Production Quotas   April 17, 2012
Delayed Contract Value Payments June 13, 2012
AAA Modifications / Introduce Quotas March 5, 2012
UFAA Vs. Farmers 2012 Lawsuit  December 17, 2012

Recent New Contract Info Provided to You- See the Spring issue of the UFAA National Voice Magazine. A copy is available on www.ufaa.com.

Oklahoma Pulse of the Agents Poll Results- over the last year

Since the filing of the UFAA Lawsuit in December, are you receiving pressure to work any one or more of these programs by the DM or others? AGM, EDGE, Take 5, home offices or 45 office hours per week.
Yes  18%
No    82%

Since the filing of the UFAA Lawsuit in December, are you being pressured or even threatened to sign the new agent contract by your DM or others?
Yes  8%
No   69%
It's been suggested in a non threatening way  23%

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%
Regarding the recent AMP Annual Renewal deadline, I ...
signed up for the first time 0%
renewed for another year  32%
dropped out of the program 21%
avoided it for another year  47%

 
Who do you point the Fault Finger for Farmers and 21st Century being nationally ranked as "D" class. (J.D. Powers Rankings by the companies policyholders)
Agents & DMs 5%
Claims Services for both companies 5%
Policy Services for both companies 0%
Management who sets rates, guidelines & policies for both companies 76%
Zurich who only owns the Farmers Management Company 14%
Arrow.moving.up
Are your NB sales and PIF going south?
Greetings!

What are you doing to salvage your agency?
It is no secret what UFAA has been doing for many years. We have attempted on many occasions to salvage the Farmers Agents' business. It has been difficult and expensive and our history goes back to the mid- 1960's, before many of you were born. Yet, we are still here.
The seasoned agents remember the computer UFAA lawsuit of 1992 where agents could only lease an IBM computer from Farmers and purchase computer access via Farmers through AT&T. UFAA challenged that ultimatum in a multi-year lawsuit against Farmers. According to a Farmers Field Bulletin, UFAA lost. Or, did we?

Following the lawsuit, the $235/month charge for the dedicated AT&T phone line to access Farmers system was eliminated from agent folios. Later, Farmers joined the Internet and delivered every agent a free Dell desktop PC. As a result of the conversion to the Internet, Agents dumped the old green screen System 36 and eliminated another $350 folio deduction for the computer lease. (Many agents saved even more depending on how many CSRs had slave terminals, each with additional charge).

More recently, in 2000, UFAA filed another lawsuit challenging the interpretation of the Agent contract written by Farmers. The suit was over definitions within the contract where Farmers was forcing production requirements on agents, including additional requirements to the Agent Guidelines and enforcing them as agent contract obligations, expanding definitions of conflicts of interest, including a spouse or family members could not be an insurance agent with Farmer's competition. And, the list grew. That lawsuit continued until 2010 when UFAA was granted Associational Standing to represent its UFAA Members in suits against the company. But, a technical violation occurred ending the suit.
Today, UFAA once again is in litigation with Farmers over similar issues. This time Farmers has disguised many of the previous issues under names like AGM, Take 5, Edge and AMP, while issuing new agent contracts that include many of the litigated issues into a binding contract with the agents. Such rubber contracts are dangerous as the meanings and definitions can be molded, changed, stretched and reconfigured at the SOLE DISCRETION OF THE COMPANIES! What you understand, sign and agree to today may not be what you understand and can accomplish tomorrow.
Skeleton rate relief
However, there are not agents standing in line at any courthouse in America filing suits against Farmers. Or, even having attorney letters sent to Farmers protesting the non-contract issues that agents are facing. No, it's just not happening. Agents are either keeping a low profile, hiding in their bunker or waiting for someone else to take the lead. Perhaps, you have stinkin' thinkin' that you can just wait a while and it will get better.
Robots all the same (action)
Why should it? Farmers knows the agents are running scared. Keep the pressure on just may be their motto to conform all agencies into robotic offices doing meaningless tasks that fill the day, but not the bank account. It hasn't got much better over the last 6 years, why will it be better tomorrow?
Think about it... the last Farmers CEO that grew up in Farmers was Paul Hopkins, who had close family members within the Farmers Agency Force. Following Hopkins was an outsider, Bob Woodstra, past CEO of Foremost who traditionally dealt with Independent Agents. Following Woodstra, is Jeff Daily, past CEO of Bristol West another traditional Independent service company. So, who is next?  The current CEO of 21st Century who use to service Independents and now are totally direct sales to consumers? Will it get better in your office? It just appears the exclusive agent supporters in management are gone and the new leaders will establish non-traditional guidelines for all.

So just who is going to take the lead?  It's been said that you should lead, follow or just get the hell out of the way and many agents are doing just that - leaving the agency. Is that what you want? To leave you're hard earned years of business back to the companies? Likely not, but who can lead us out of this disaster? 

Well, you can through many actions. That is, stay in your hidy hole and send a supporting donation to the AGM DRA lawsuit. Keep a low profile, but send a supporting donation. Attend a UFAA Chapter Meeting and bring a check of support. Or, join UFAA as a member to help us make it better for all.

The bottom line is this. If UFAA runs out of money for this important lawsuit and can't afford to continue to send attorney letters to the company, it's over, folks. And so goes the lawsuit, so goes your business. It's time to decide, act and support those who are supporting you. We can no longer wait on the hold-outs as the actions already taken by UFAA could just dry up and go away. So, where will you get your FREE info and legal decisions then?

GIVE TO THE UFAA AGM DRA LAWSUIT TODAY!
(Each quantity # on the donation page = $5. So a quantity of 10 = $50)

Signed a concerned agent
New $100 Bill debuts Oct. 2013
Chapter 15 April Lawsuit Contributions Contest-
A Success!
A national contest by UFAA requested All 33 UFAA Chapters to support the AGM Lawsuit by sending in $500 from the chapter treasuries and an additional $200 donation for the Convention AGM Raffle in Las Vegas. Hundreds of tickets are purchased by UFAA Convention Delegates for chances to win great prizes. The money collected far exceeds the value of the prizes and places more funds into the AGM Lawsuit Fund.

The Chapter 15 Board expanded on the contest by matching dollar-4-dollar funds donated by both Oklahoma Members and non-member agents to the lawsuit during the first two weeks of April. By April 12, agents had donated a total of $500 and was matched by Chapter 15. On April 16, the chapter presented a check to the UFAA National Office in the amount of $1,000. This was $300 over the $700 requested. Thanks to all who responded for this legal cause that is all about you- the agents.

"Let's keep the funds rolling in," stated Chapter 15 President Glenn Johnson. "The Agent Polls above tell the story that 96% were in agreement with the Attorney involvement against Farmers while 82% of the agents got relief from pressures regarding the AGM, Take 5 and other programs that had been forced upon agents. The lawsuit even drastically lowered the pressures on agents to sign the new contract by 69% while it's still being suggested to 23% of agents in a NON-THREATENING manner.

What is that threat and pressure reduction worth to you?  You can tell us below.

Non.member Agents can make quick on line contributions to the legal fund by simply clicking the UFAA AGM DRA FUND link above and donating.  UFAA Members can simply email the UFAA National Office no@ufaa.com and add a monthly legal contribution to your dues draft or use the on line option above.

I would personally challenge other UFAA Chapters to follow our contest above and make it successful nationally.
Glenn Johnson, Chapter 15 President
Bethel Collision Center in Broken Arrow
BBB Rated A+
Bethel Collision Center.jpg
View our website                  02/13     
 Oklahoma Continuing Education
Source: OID website 04.21.2013

All resident agents/producers, CSRs and adjusters are required to complete continuing education biennially. The requirements are as follows:

Resident Producers (Excluding Title producers) are required to have 24 hours of continuing education, including three hours ethics and two hours of legislative updates.

  • Producers that sell, solicit, or negotiate Medicare Advantage or Part D Products or Plans are required to take a 4 hour Medicare Renewal course each renewal period.
  • Producers that sell, solicit or negotiate Long Term Care insurance must take a 4 hour Long Term Care Partnership course each renewal period after the initial 8 hour Long Term Care Partnership course was taken.
  • Producers that sell, solicit, or negotiate Annuity products are required to take a one time 4 hour course on Annuity products.

CSRs are required to have 13 hours of continuing education, including three hours of ethics and two hours of legislative updates.

Resident Adjusters are required to have 24 hours of continuing education including three hours of ethics and two hours of legislative updates.  

For Immediate Release:                      Ok Ins Dept Logo  

April 19, 2013 

 

Flood Insurance Rate Increases Announced for October

 

OKLAHOMA CITY - Flood insurance administered by the National Flood Insurance Program (NFIP) is set to increase rates for new and renewal policies October 1, 2013. Flood insurance is offered to homeowners, renters and business owners to protect against damages not covered by standard homeowners or renters insurance in the event of a flood.
Read more here

We now repair auto electric Windows
Call  for Board up Service 24/7

Robinson Glass ad
Click to check out our website   08/13
      T
ulsa                    Broken Arrow
918/664-7904           918/258-7578
Compu-King of Tulsa
 UPGRADES - REPAIR - NETWORKING  
SAME DAY SERVICE  VIRUS CLEANUP
FREE DIAGNOSTIC & ESTIMATE
DROP-OFF AND ON-SITE SERVICE 918-622-1700  
10208 E 41 St. Tulsa   click graphic for pricing 
08/13

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. 
computer. moving finger on mouseAds are hot links to our advertisers websites. Click any ad for more details.  
ads rotated for 05/13 issue.
  

New $100 Bill Debuts Oct. 2013

New $100 Bill debuts Oct. 2013





 Is that an orange Spittoon or a Parlor Pot of the era under Benny's nose? Just what were they thinking?
Every Door Direct Mail by USPS  
 
USPS EDDM Insignia
There are actually two boxes. One with Local Postal Customer and a 2nd box for the other statement printed on your solicitation mail out.  Both represents your label and postage.
Note: addresses cannot be scrubbed in this program as they simply do not exist.

Are you aware of the EZ Saturation Mailings now available via the  U.S. Postal Service?
Find the Customer Who Matters Most

Postage expense is only 16 cents* per home/business
Every Door Direct Mail(TM)  (EDDM) is a new innovation from the U.S. Postal Service that can put your advertising mail piece in every mail box in a zip code or selected homes within a zip code based on individual mail carrier routes. You can send as few as 200 pieces to as many as 5,000 per day/week/month/quarter/or when you feel like it.

You can select who receives your mail- Residential & Business or Residential only.  And, further refine your list with - any combination of City/Rural Route/PO Box. So, your can include personal lines, life and umbrella for residences or add commercial Insurance for residence & business locations.  it's simple & easy. 
 
It gets better, as this is a saturation mailing to a zip code(s) or to portions of homes and businesses within zip codes- by choosing particular mail carrier routes using an on line map tool. The tool totals the number of mailings and postage cost and prints out all the info needed to take to the post office. PLUS, This EDDM Program does not require stamps, printed addresses or labels on each piece or buying/renting a mailing list.
Get this! - No postal permit required!
To learn more on this program go to the website in the ad above.
* Postage cost only. Does not include cost of printing & materials.

Here's our feedback from UFAA 15 Members who have tried this program
Member #1: Has used the system 3 times for free. He created an ad for his insurance office on a 4" x 12" card stock. The member added 4 other non-related business ads: Roofing Co; Dentist; Chiropractor & Tax Accountant that wanted to target the same areas. The 4 other ads paid for the entire cost of postage and printing including the agent's ad and was sent to 5,000 homes. It was free for the agent.

Member #2- Is a board member in his neighborhood association and convinced the board to use EDDM. Rather than use a mail distribution company at $600, the board had 650 8"x 11" card stock newsletters printed for $100. Each card contained two complete newsletters were cut in half to make 1300  4" x 11" mailings to their 1277 residences at a total cost for print and postage for $300. A 50% savings taking out the mail distribution company middleman as the bulk rate cost was 20 cents per piece with higher printing costs. Member #2 is working to expand the newsletters to contain local business ads to pay for future association mailings. Since the personal lines business is all but dead, he plans to advertise niche products of Flood Insurance and Home Appliance Warranties to association members. 
Agents Helping Agents.new
 
Paul Davis voice ad wide
 






918-663-5848
Fire, Water, Storm Damage & Other Perils 
Full Service Mitigation and Reconstruction
          www.restorationtulsa.com
Board up Service             03/13
10344-B East 58th St Tulsa, OK 74146
Komando Header








 Komando Info Center: By Kim Komando

Why Cell Phones fail in an emergency
Social Media role in Boston Bombing 
Cyber Attacks up 61% in 1st Qtr 2013
FBI using digital bill boards

Protect your online accounts after major hack

Amazon-owned daily deals site LivingSocial has suffered a massive security breach. Names, emails, birth dates and password information for an estimated 50 million users were stolen! If you use the LivingSocial site you will need to reset your password immediately. For those who haven't used the site recently, but still have an active account, you will need to log in and change your password as well. More on this issue here 


Oklahoma Voice has reprint rights. Copyright 1995-2013 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.  KimKomando.com 
Check out the UFAA Chapter 15 Home Page with more Farmers, industry news and member benefit information, newsletter archives including breaking news too late or too large to publish above.  

  
The Articles below are on our Home Page link this month
Just click the  Home Page Link >> Here <<
  
UPDATED: Okla. Company Comparison Rate Charts- Auto: 04/13  Home: 04/13

and Company rate filings  


==========================================================================

 

 

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.