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OKLAHOMA
Next Chapter 15 Meeting will be Thur. Dec. 4th
11:30 AM. SHANGHAI AVENUE SUPER BUFFET 803 N. Aspen. Next to Arvest Bank @ S/E corner of S. 145 East Ave. (Aspen) & 71st St. (Kenosha) Broken Arrow. OK.
Chinese - Japanese - American Foods
Accepts all major credit cards.
Non-UFAA Members Welcome.
Check out the Chapter 15 Website ufaa15okla.com
NO JANUARY 2015 MEETING DUE TO NEW YEARS HOLIDAY
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The First Amendment to the U.S. Constitution
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Join us Thursday, Dec 4th 11:30 AM at the Shanghai Avenue Super Buffet 803 North Aspen S/E Corner of S. 145th East Ave & E. 71st St. next to Arvest Bank
Agenda From the President:
Lunch provided by Fitzgerald Roofing
1. Chapter officer elections
2. Status survey of Smart Auto Results
3. Succession Planning meetings, why now?
4. Agency Vision More rules,confusion & KPI's
5. Zero Day agent termination by
FIGFCU loan agreement. Ouch!
6. Lawsuit status by Mike Ward
7. Farmer's agent quotes are being re-quoted by 21st
Check your Sims, You may be collecting private
info for 21st.
NON-MEMBERS ARE WELCOME
NO JANUARY 2015 MEETING DUE TO NEW YEARS HOLIDAY
If you plan to join us for lunch, Please Arrive for Lunch Promptly @11:30
UFAA Meeting begins at Noon.
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"I did not realize what UFAA was or what they could do, until I started attending chapter meetings & annual conventions sharing information with agents across the U.S." UFAA Member
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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 05/15
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| Dear Chapter 15 UFAA Members!!
REMINDER TO CHAPTER MEMBERS
 2014 UFAA CHAPTER 15 Christmas Party Dec. 6th
UFAA is having a Christmas party this year & we have changed it up so our members should be able to attend. This year each person will receive $25 whether you are a Agent Member, Affiliate or an Associate member. That means you will get $25 for yourself & $25 for one guest. The date is Dec 6th & the location will be Charleston's located next to the Bass Pro Shop next to the Broken Arrow expressway- 251 Hillside Drive, Broken Arrow, Okla. 74012. The party will start at 5 PM to 7:30 PM. RSVP deadline date to attend was November 30th. Click the Charleston's link above to view their menu. Your UFAA Chapter 15 Board
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Farmers did improve auto claims satisfaction in 2014 @ 841 pts. compared to 2013 @ 829 pts. 2012 @ 838 pts. and 2010 @ 820 pts. Just enough to pull out of the "D" ranking into the "C-" category in 2014. 21st Century remains in the dumpster.
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Successful DMs use recognition & appreciation as leadership tools, unlike this and other letters of force, fear & intimidation
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Below is a canned [corporate?] email sent to many agents across the state with the exact wording. It is unknown if the DMs receive a commission/overide on the company agent programs or if it is just more of the same intimidation that has occurred over the last 4+ decades of DMs who lack real leadership and resort to use force and fear to lead their agents. Majority of agents using the forced company marketing programs do not break even on cost vs. commissions according to the "Pulse of the Agent Polls."
Oklahoma DMs Sending out their last plea on the Agency Marketing Program
This will be the last time you hear from me regarding the 2015 Open Enrollment for Agency Marketing. You only have 3 more days to sign up.
I will approach this from the perspective of the Distribution Leadership team. If you heard the message at the last district meeting, there are a some important metrics that will be monitored and measured going forward: · Agency Growth Model - Specifically the KPI component of the AGM. If your agency is not performing at greater than 4.5 KPIs, that is a problem. · Smart Office - The expectation is that all agents meet the Smart Office Standards in all 6 categories. · Agency Marketing - With the changes and improvement to this years' program it is difficult to understand why an agent would not participate. The 2015 Agency Marketing program touches on most every basic method of marketing. If you can grow your agency and exceed the minimum 4.5 KPI mark without utilizing the company marketing programs (i.e. Agency Marketing), then great. However, if your agency is not growing and not achieving the expected AGM KPI results, the natural question is, "Is the agent marketing? Is the agency putting forth the effort to sell and grow?" I've heard from a couple of agents that they can't afford the program. I would argue that you can't afford not to participate. The $275 monthly cost of the program is less than the average commission on one homeowner policy ($388 avg. commission). You can pay for the annual cost of the program with less than 9 NB home sales. The annual average commission for an auto policy in our district is $85. It only takes 3.2 additional autos sales per month to pay for the program. The average annual commissions on an auto/home household is close to $500. You can pay for the program by selling 7 new HHs in a year. Every HH after 7 is money in your pocket and the renewals are all profit. I encourage you to reconsider your decision and sign up to participate in the 2015 Agency Marketing program. We are a sales business! Sales are born from consistent and systematic marketing and prospecting. The 2015 Agency Marketing program will deliver basic and systematic marketing for your business. Please feel free to call me if you have questions or would like to discuss.
Your District Manager
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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 ufaa15editor@ufaa.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. |
Are you still hauling Farmers Checks to the Bank? BOK will close 29 Oklahoma Grocery Store locations in February 2015.
BOK Financial Corp. will close 29 grocery store branches by mid-February 2015 as the company discontinues its grocery store branch model.The closures will affect sites in Oklahoma, north Texas and Albuquerque, New Mexico.
All of the company's grocery branch employees, including 75 who will be displaced because of the closures, were notified Tuesday evening. BOK Financial will place many of the employees in existing open positions within the company as well as new relationship banker positions that will be created to handle increased traffic in some BOK banking centers. Tulsa World 11.06.14
Editor's note:
Regardless, if your agency is inconvenienced by the BOK closings, you can download the BOK Deposit* APP on your cell phone where you can deposit check photos (not cash or travelers checks) with your cell phone and receive a confirming email receipt. We know of UFAA Members using this simple cell phone deposit* system with BOK. Convert your cash paying clients to money orders, checks or credit cards now as you CANNOT photo cash to the bank. (*single transactions only, last we knew) Let us know if this helps your agency. -ed
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Bethel Collision Center of Broken Arrow, OK.
BBB Rated A+
 02/15
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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 12/14 issue.
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Aetna to drop individual health plans in Oklahoma
TULSA - 11.19.2014 KRMG
Health insurance giant Aetna will no longer cover individual health plans in Oklahoma, a move that will affect thousands of customers who need to act quickly to save themselves money and a major inconvenience.
Aetna spokesman Rohan Hutchings confirmed the news Wednesday, saying "this decision was not taken lightly."
"All impacted individual members have a 180-day notice period from us," he told KRMG, "so in effect, if they remain on their plans, that takes them to May, 2015." However, he strongly urges them not to wait, and to find a new plan during the current open enrollment period. "What enrolling in a new plan now does, it means they won't have to switch plans middle of the year next year," he said, adding that waiting "would mean they would have to start over with new deductibles and other out-of-pocket expenses."
It's important to note the changes does not affect group policy members, nor AARP members covered through Aetna. The decision will also affect Coventry customers; It's estimated that 8,700 Oklahomans hold individual health plans through Aetna.
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We now repair auto electric Windows
Call for Board up Service 24/7
 Click to check out our website 08/14
Tulsa Broken Arrow
918/664-7904 918/258-7578
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Pulse of the Agent Poll Results from last issue
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What is your first three weeks impression concerning the Smart Auto Programming issues in Oklahoma?
Very Painful 11%
Just so so 21%
Works okay some days 11%
Works better in the early AM hours before other states log on 21%
Works great in my office. Absolutely no issues here 37%
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Did you join The 2015 Performance Marketing Package- a new and improved program?
YES 39%
NO 61%
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Concerning the Farmers Succession Plan....
This is the first I have heard of it 95%
It's been discussed at a district meeting 0%
I already have or will meet with the DM on this subject 0%
Just another corporate tactic to conquer & divide the PIF 5%
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UFAA Chapter 15 Officer Elections will be held at the Dec 6th Meeting
These members were nominated at the October Chapter 15 Meeting.
Mike Gately- President
Glenn Johnson- 1st VP
Terry Wilson- 2nd VP & Editor- Okla. Voice
John Wiley- Secretary/Treasurer
As a UFAA Member, you may nominate yourself or another member for any of the listed positions above. Contact by email, Glenn Johnson if you have a nomination by the December 6th meeting where nominations will be accepted from the floor. Candidates must be present. Those elected will also serve as delegates to the 2015 UFAA National Convention.
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When P/C Insurance Carriers Can Cancel: The 'Underwriting Period' by State
Every state extends insurance carriers the right to cancel a newly-written policy during the first days of the policy period. This is commonly known as the new policy "underwriting period."
An underwriting period allows the insurance carrier time to inspect the property and its operations to assure that what was presented in the applications is, in fact, representative of the risk they are insuring. Also, underwriting data not available prior to the coverage effective date may become available during this period.
(Note: The underwriting period applies to newly written policies only, not renewals. Here is a chart providing underwriting period information for each state and the District of Columbia.)
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 | Trades needed for any disaster including ice, tornado, strong winds, flood and earthquake, or just when a client needs a referral for a repair.
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This space is reserved for advertisers that desire to post a line ad in the Oklahoma Voice. We are attempting to build an emergency responder listing to assist agents with referrals in times of disaster. We are seeking paid advertising from the following trades- State Registered Roofers,
Licensed Plumbers,
Fencing Contractors
Guttering Contractors
Tree Trimming & Removal
Licensed Electricians
Debris Removal & Hauling
If you have a client doing an honest business in the above trades or other trades that would be in demand following a disaster please contact Terry Wilson, Oklahoma Voice Editor. Their ad would appear similar to this- 
11/15
Fitzgerald Roofing, Inc. 4806 E. 37th Place Tulsa, OK 74135 Phone 918 271-7171
And, website link, if applicable. The ad cost is $120.00 annually. Acceptable company logos are $30 extra depending on size and acceptable format. The ads would run for 12 months in our Oklahoma Voice Newsletter. Editor
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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 biennial. 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, CSRs & Adjusters will be required to have 1 hour of Earthquake CE within the 24 hour Requirement effective 1/1/15. CSR total hours remain at 13. See article above - 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. Are you age 65 and been a licensed agent for 20+ years? you may qualify for the free Okla. CE Mentoring Course worth 24 hrs credit hours and takes 10 minutes to complete. See CE Mentor letter HERE by Commissioner John Doak. This change was effective in 2011 No documentation required. Just sign off on the OID form and return it prior to your renewal date. |
5 apps to get the best prices this holiday season
New best day to buy cheap airline tickets online
Phone Apps that could make you business life easier
Have you ever needed to take a measurement, but didn't have a ruler or tape measure handy? Perhaps the object was too big or too far away to measure by hand? With this clever app, you can measure nearly anything from small items inside your home to objects like buildings and more.
EasyMeasure (Free; iOS, Android) lets you point your smartphone or tablet's camera at any object and see the object's dimensions on the screen. Now it does take a little work from you, unless you have a phone or tablet with Intel's RealSense camera like the Dell Venue 8 7000. Still, once you get the hang of it, you'll find plenty of ways to use it.
How many hours of your life have you spent on hold waiting for customer service? It's probably more than a few. You could be doing much better things with your time.
That's what makes the FastCustomer app (Free; iOS, Android) such a must-have. Once you call customer service, it waits on hold for you. When the customer service agent picks up, FastCustomer rings you so you can talk to them. How neat is that?
Oklahoma Voice has reprint rights. Copyright 1995-2015 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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918-663-5848
Fire, Water, Storm Damage & Other Perils Full Service Mitigation and Reconstruction Click on our logo above to access our informative website
Board up Service 03/15
10344-B East 58th St Tulsa, OK 74146
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From the Oklahoma Insurance Department
The following "Final Orders" are from the OID public information legal section of the OID website. These violations and penalties are shown here to ONLY warn, inform and educate you on Okla. Insurance Laws.
Rate and Form Filings 2014Click link heading above. Then, scroll to bottom of page and click [month] 2014. Then, scroll the entire document for rate & form filings for all companies in alpha order.
As we [the OID] work to help you comply, we will vigorously enforce 59 O.S. § 1310 (A) (21) which relates to failure to notify of change of address. ADDRESS CHANGE: Okla Ins Dept: Change of address or name more than 30 days after the change occurred shall be no less than a $100 fine. The Oklahoma Insurance Department encourages all licensees to update their mailing personal and business addresses and email addresses as often as possible. This feature is available free of charge by visiting the SBS website
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Check out the UFAA Chapter 15 Home Page with more Farmers, industry news, member benefit information, newsletter archives, including breaking news too late or too large to publish above.
See our Home Page link for more info on the United Farmers Agents Assn.
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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 | | Click logo above 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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