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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 Aug. 1st 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
Lunch $6.45 Dinner $7.95. Accepts all major credit cards.
Non-UFAA Members Welcome.
Note: Due to July 4th falling on the first Thursday of the month, Chapter 15 will not hold a July Meeting.
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The First Amendment to the U.S. Constitution
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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.  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.
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Greetings!
Join us 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
Message From the President
AGENDA For July 4th Chapter Meeting
NON-MEMBERS ARE WELCOME
Note: Due to July 4th falling on the first Thursday of the month, Chapter 15 will not hold a July Meeting. Our next meeting will be Thursday Aug. 1st.
If you plan to join us for lunch, Please Arrive for Lunch Promptly @11:30
UFAA Meeting begins at Noon.
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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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United Farmers Agents Association Bestows First-ever Humanitarian Awards
During the UFAA Convention held June 11-13 in Las Vegas, Membership Director, Cindy Eggert completed her UFAA Membership Report. Then, she asked Chapter 15 President, Glenn Johnson and Chapter 15 Treasurer, Terry Wilson to approach the podium.
Chapter 15 was honored with a first-ever Crystal UFAA Humanitarian Award for their involvement and donations to the victims of the EF-5 tornado in Joplin in May of 2011 and their more recent involvement in arranging for 1,500 hand tools and safety equipment items delivered by the Salvation Army to the cities of Moore and Shawnee, Okla. The latest delivery followed the May, 2013 EF-5 Tornados. Harbor Freight Tools Tulsa Store #64 teamed up with Chapter 15 and tripled the chapter order of tools for victims.
 
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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!
Oklahoma State Office Will be History in July, 2013 and will be realigned within the Mid Central Territory
Okla East Division will be combined with 4 Kansas Districts. HelpPoint name has been retired and the operation is now known as the Claim Dept. HelpPoint call center is now the claims contact center. All listed below have new titles and assignments.
Oklahoma DMs Next on chopping block according to strong rumors on the street and is evidenced in the graph below. Do you see any districts listed?Contact your DM as they have this hot scoop. Are they sharing it with you?  |
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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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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. Do you qualify for the free Okla. CE Mentoring Course? See Angel Rescues Okla. Ins. License article below. |
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June Survey Results on HelpPoint First Notice of Loss
Has your agency experienced any type claim regarding errors or problems relating to HP first notice of loss?
Yes, on Property
 8%
Yes, on Auto
8%
Yes, on other lines of Business- BW, Foremost, Comm'l, etc.
31%
No problems at this agency.
54%
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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 |
Bethel Collision Center in Broken ArrowBBB Rated A+
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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 07/13 issue.
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Homeowners Confused About Insurance Coverage
Many homeowners do not understand what exposures are covered under their home insurance policy, according to a new consumer survey.
More than two in five Americans (41 percent) believe that a standard homeowner's insurance policy protects against mold damage, according to new InsuranceQuotes.com survey.
"This misconception could prove extremely costly," said Laura Adams, senior insurance analyst, InsuranceQuotes.com. "Mold remediation can cost tens of thousands of dollars. It's often not covered by homeowner's insurance, especially if it was caused by neglected maintenance such as a leaky pipe."
Read more misconceptions here
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No UFAA Chapter 15 Meeting in July.
Due to July 4th falling on the first Thursday of the month, Chapter 15 will not hold a July Meeting.
Our next meeting will be Thursday Aug. 1st.
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 | | Ok Comm John Doak . |
Oklahoma Commissioner Advises Insurers to Delay Nonrenewals June 17, 2013
Insurance Commissioner John D. Doak has issued a bulletin to all Oklahoma-licensed property and casualty insurers and insurance producers, advising them to keep customers on their current policies for at least 60 days after the completion of repairs. The move should give the policyholders enough time to make repairs and obtain coverage from another insurer.
"As a result of the devastating tornado outbreak, thousands of Oklahomans have filed property claims," said Doak. "Because of that, insurers are now reassessing risks and issuing nonrenewal notices. Due to the backlog of work that contractors and repair shops are currently experiencing, many repairs won't be completed before the policy expires. That results in open and pending claims that prevent the policyholder from obtaining replacement coverage. We want to prevent that."
Affected homeowners should also remember that homeowners' policies may not reflect a surcharge for weather-related claims. Additionally, state law states that insurers shall not cancel, refuse to renew or increase the premium of a homeowner's policy which has been in effect more than 45 days, solely because the insured has filed a first claim against the policy. Both provisions are part of the Insurance Consumer Bill of Rights passed by the Oklahoma Legislature earlier this year. Source: Oklahoma Department of Insurance
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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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 Greetings!
Have you been Charged for Appointment Fees by Farmers
For you as an x-agent and/or your agency producers that no longer exists?
Dear Okie Voice, I left the agency force in December, 2012. Farmers was aware of my leaving as they gave me a 90 day notice in September, 2012.
However, six months later, in June 2013, they deducted appointment fees from my Contract Value Check. I thought this was okay as they use to deduct all of the bi-annual fees from the folio in January. But, it seems they changed their procedures and only deducted 1/2 of the bi-annual fees every year on the March Folio. My Okla. Insurance license only renews bi-annually in odd years.
Then I realized, that one-half of my 2011 appointment fees had been deducted in March of both 2011 & 2012. So, the hit on my Contract Value check had to be for 2013 appointment fees- And, I am no longer an agent appointed with the companies. Checking with the OID Licensing Div., I discovered appointment fees are just like insurance policies and are billed and paid in advance by the companies to the State Insurance Dept.
So, called KC Agency Services and inquired about the fees charged to my Contract Value Check. I received this response.
"The termination cut off for the 2012 Appointment Renewal billing was
10-31-12. Since you were still an active agent as of 10-31-12, the state
billed Farmers for your annual appointments ($150.00) and in turn, you were
folio deducted for these fees in March 2013."
"Regarding the yearly billing I was explaining, below you will find the
notification we received about the Oklahoma Appointment Renewals. In the
first paragraph, it explains that the Renewals starting with the year 2012
will renew every year rather than every other year as they were previously
billing. If you have any other questions, please let me know."
That sounds like a rejection of my refund request, I thought. But, their explanation simply doesn't jive with their actions. The so-called 2012 Appointment Renewal Billing is just that- a billing dated in 2012. But, just like an insurance policy, that billing is for another term of coverage- in this case, an advance billing for appointment fees for the year of 2013 !
"Me being an agent on 10-31-2012 has nothing to do with the appointment fee charge for 2013. In fact, my name should have been removed from the active agent billing list by Farmers months ago, as I am not appointed with the companies in 2013," I pleaded.
And, there has been serious debate by the agency force whether Farmers can pass the appointment fee charge to the agents as simply explained in the Okla. Statutes Para: D & C-
Oklahoma Statutes Citationized  Title 36. Insurance
 Section 1435.15 - Producer Acting as Agent
D. An insurer or authorized representative of an insurer shall pay a biennial appointment fee, in the amount and method of payment set forth in Section 1435.23 of this title, for each insurance producer appointed by the insurer for each insurer for which the insurance producer is appointed.
E. It shall be unlawful for any insurer to discriminate among or between the insurance producers it has appointed. Any person or company convicted of violating the provisions of this section shall be guilty of a misdemeanor and shall be punished by the imposition of a fine of not more than Five Hundred Dollars ($500.00) or imprisonment in the county jail for not less than six (6) months nor more than one (1) year, or be punished by both said fine and imprisonment.
I received my check from KC Agency Services. FYI. Okie Agent |
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Komando Info Center: By Kim Komando
4 tricky Facebook scams to avoid
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Modern scammers can reach billions of potential victims with a single message. And their scams are getting better every day. If you aren't paying attention, you could fall for a scam and not ever realize it.
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One of the easiest places to encounter online scams is Facebook. Facebook encourages sharing, which means certain scams can travel far and wide.
These aren't harmless scams either. Some of them can install viruses that take over your account or steal your money. Yikes!
Here are four popular scams that should set off your warning bells as soon as you see them.
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- See more at: http://www.komando.com/columns/index.aspx?id=14722&utm_medium=nl&utm_source=column&utm_content=2013-06-23-column-end#sthash.fLkSaAIi.dpuf 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
UPDATED: Okla. Company Comparison Rate Charts- Auto: 04/13 Home: 04/13
and Company rate filings
FGI Executive Compensation Exhibit for years of 2010, 2011 and 2012
Top 10 Insurance Companies in Tornado Stricken States
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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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