eeaasstt vvaalllleeyy nneewwss - naifanet.com nov 2010 newsletter.pdf · term care planning and...
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EEAASSTT VVAALLLLEEYY NNEEWWSS November, 2010 www.naifaeastvalley.org
NOVEMBER 2010
Mark your calendar for our November meeting …
Thursday, November 11, 7:30 am
Meeting Location: Dobson Ranch Inn, 1666 Dobson
Ranch Rd, Mesa, in the PERZOLA (Rotunda) Room
PROGRAM: “The Future of LTCi Sales and Service – Are you Ready?” - Recent market changes by major carriers – will it kill your LTC sales? - Updates on Healthcare Reform’s CLASS Act - How to service beyond the sale – when your client needs you most,
will you be ready?
SPEAKER, Maryglenn
Boals, CLTC
(See Speaker’s Bio
on Page 2)
For more information AND TO RSVP: call Betty Hartnett, CLU, FLMI, Association Administrator at 602-317-4438, or email her at [email protected]
THANK YOU TO OUR SPONSORS!
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OFFICERS
Judy Aguilar-Woertz, LUTCF, ChFC, CFP, CASL - PRESIDENT
State Farm Ins. Companies
8601 S. Priest Dr., Ste 101, Tempe, AZ 85284-1919
480-598-0544
Donna Kohlhase, CFP, CLU, ChFC, CASL, Secretary Treasurer
State Farm Ins. Companies
6836 E. Brown Rd., Mesa, AZ 85206
480-396-2140
Kenny Ziegler, ChFC, LUTCF, Immediate Past President
San Marcos Insurance Group
584 W. Chandler Blvd., Chandler, AZ 85225-7531
480-899-6622
Lars Hansen, LUTCF - National Committee Chairman
American National Life
4455 E. Broadway Rd., #108, Mesa, AZ 85206
480-924-4750
DIRECTORS
Sid Pfaff, LUTCF
Pfaff Insurance Agency, Inc.
8601 S. Priest Dr, #101A, Tempe, AZ 85284
480-553-5252
William Wise, CLU, LUTCF
Farmers Insurance Group
3660 E. University Dr., #4, Mesa, AZ 85205
480-924-4070
Michael Klein, CFP, MBA
Klein Financial
4824 E. Baseline Rd., Ste 135, Mesa, AZ 85206
480-981-1333
Vandy Moore
State Farm Insurance Companies
4135 S. Power Rd, Ste 123, Mesa,AZ 85212
480-497-3933
Dale Chittenden
The Chittenden Group
3821 E. Indian School Rd, Phoenix, AZ 85018
602-955-4773
www.naifaeastvalley.org
From your President, Judy Aguilar-Woertz …..Notes from our October 14th meeting! (Check out Judy’s message on the last page of this newsletter!)
Wow, what energy and great information! If you were there you know what I am talking about and if you weren‘t……..you missed a great meeting. Tom Petersen brought so much information about disability insurance that I never knew. Based on a recent study, if most Americans need 65% - 75% of their income just to live and ‗they are covered under their group plan for 66% of their income‘…………………………….then they have a real problem! Even though, I might not have a product to help them………I now know who to contact so my clients are taken care of.
I also heard a couple of great questions to open the discussion with my clients: First, ask which asset is most valuable: your car, your home, or your ability to earn a living? Then…….after an appropriate pause – ask which of these assets have you insured? Hmmm!
MgBoals & Associates, LLC
Maryglenn Boals, CLTC – Founder and President
602-418-5069
www.mgboals.com
MgBoals & Associates, LLC is an independent insurance agency specializing in long term care planning and insurance products. We work with individuals, couples, small businesses
or corporations to design long term care benefits with your needs and budget in mind. By customizing your long term care planning and working with a variety of top rated carriers, we can offer competitive quotes and individualized services.
Maryglenn brings over 23 years of experience in the healthcare field to her long term care planning. She blends her expertise from long term care facilities, hospitals and insurance plans to the agency and her planning process. She speaks at local and national conferences to increase the understanding regarding long term care planning and benefit maximization.
Maryglenn is certified by the Corporation for Long Term Care and has trained with one of the country‘s top elder law attorneys. Maryglenn has a Bachelor of Arts degree from the University of Northern Iowa and a certificate in Gerontology. She is a former licensed nursing home administrator and has been recognized locally and nationally for her work in the field of Aging. Maryglenn has received the Individual Achievement Award from the Area Agency on Aging, Region One and a Leadership Award from the American Association of Health Plans.
This is a reminder: When you receive a Gov.alert. --- Please read & respond.
Visit our website at: www.naifaeastvalley.org
NAIFA BENEFITS
NAIFA provides value for your membership. In addition to unparalleled advocacy, government relations and political action. NAIFA provides a wide array of professional programs, products and services designed to enhance your knowledge and skills, build your business, and increase your bottom line at every stage of your career!
overnment relations and political action
NAIFA is your voice on Capitol Hill, and with a powerful government relations and political grassroots team on your side, NAIFA works as your personal advocate in Washington, D.C., and in state legislatures, educating and lobbying lawmakers to protect the insurance and financial-services industry and the interests of your clients.
NAIFA PROFESSIONAL PROGRAMS
NAIFA provides you with access to industry-leading education and training opportunities to add to your knowledge base, improve your skills and raise your professional standing. Our comprehensive program
of study incorporates five practice specialties – Life Insurance & Annuities, Health and Employee Benefits, Multiline Insurance, Financial Advising and Investments, and Practice Management and three career stages: Early, Established and Accomplished.
NAIFA PROGRAMS AND DESIGNATIONS
Professional program courseware leads to more than 19 industry-recognized designations including LUTCF and FSS, offered through The American College, America‘s Health Insurance Plans (AHIP) and The American Institute for CPCU. Many of these designations are made available at a special NAIFA member discount.
NAIFA’S LEADERSHIP IN LIFE INSTITUTE
The NAIFA Leadership in Life Institute (LILI), exclusive to NAIFA members, offers a six-month leadership-development course devoted to advancing your personal growth, business practices, and professional skills.
NAIFA’S ONLINE SEMINAR SERIES
NAIFA‘s Online Seminar Series features training and information programs on various topics important to running your business and enhancing your success, including practice management, sales, marketing, and prospecting, each with specific content for every career stage.
NAIFA’S CAREER CONFERENCE & ANNUAL MEETING
NAIFA‘s annual conference features more than 40 industry-specific educational workshops and networking sessions organized along multiple programming tracks. This dynamic event also offers timely and informative legislative updates, government relations and political action training, motivational main stage presentations, and a two—day Expo Hall event.
NAIFA’S INDUSTRY AWARDS
NAIFA Industry Awards recognize NAIFA members for excellence as indicated by quality service and sales achievement. NAIFA members who reach these levels of achievement win more than an award; they attain recognition that distinguishes them as an outstanding professional.
NAIFA’S PROFESSIONAL TOOLS AND TIPS
The NAIFA Virtual Library is just one of the many professional tools and tips available for members and the single most comprehensive user-friendly online resource tool that supports a financial advisor or agent, in any practice specialty and at every career stage.
today
NAIFA‘s Advisor Today is an award-winning monthly publication and leading source of news and information for insurance and financial advisors. The NAIFA Communications Corner provides agents and advisors with extensive communications tools and public relations resources.
SALES, PROSPECTING AND MARKETING TOOLS
Members have access to NAIFA‘s unique suite of Sales, Prospecting and Marketing Tools designed to help them succeed, including LIFE resources and various health and employee benefits materials. In addition, the NAIFA Bookstore is available via the NAIFA Marketplace and features resource materials on topics of interest, including sales, marketing, prospecting, practice and professional development, and health and employee benefits.
NAIFA PREFERRED PROVIDERS
Through NAIFA‘s Preferred Provider Program, NAIFA members have access to discounts on more than 20 products and services that can enhance their business and increase their bottom line. These programs include business practice management tools and resources, client management, sales, prospecting and marketing tools, business services and insurance programs.
NAIFA NETWORKS
NAIFA members place a high value on networking – both within their community of agents and advisors and with other professionals. Members may attend the NAIFA Career Conference and Annual Meeting or local/state meetings, participate in the MDRT/GAMA Mentoring Program, or stay connected through Twitter and LinkedIn. LILI alumni can join the LILI online networking site.
NAIFA has partnered with a select group of experienced, industry-focused coaches to form NAIFA Coach, which provides NAIFA members with access to products and programs created by this coach community to further enhance their growth and success, as well as opportunities for individual and group coaching at special member rates.
Tap into NAIFA‘s talent pool of industry experts and gain valuable sales, marketing, and practice management ideas as well as product knowledge through NAIFA Procasts, including NAIFA‘s Advisor Today Podcast Series, NAIFA‘s Programs in a Box and the NAIFA Speakers Online Library.
YOUNG ADVISORS PROGRAMMING
NAIFA created the Young Advisors Team (YAT) for members who are 40 years and under or within their first five years in the industry. Gain access to vital tools, resources, and networks necessary to succeed in the financial-services industry
ANOTHER NEW NAIFA BENEFIT!
NAIFA and Hewlett-Packard (HP) have teamed up to offer NAIFA Members special pricing and great discounts on a wide range of HP business products you use every day – including printers, notebooks, PC’s, servers and more.
The average savings on an HP Notebook is 9%
To make it even easier, between now and Oct 31, 2010 your old PC may even qualify for cash back – up to $150 – when you trade up to a new HP Notebook. HP accepts any product and any brand and will cover the cost to ship your old equipment back.
For details on this offer and other specials for NAIFA members, plus free US ground shipping, visit www.hp.com/go/naifa . OR call 1-888-202-4465 and mention code NAIFA
Anyone interested in a: CLU – ChFC – CFP Designation
??? If you have an interest in taking the courses to achieve any one of the above
designations please reply to the email address below!! Over the next few weeks we will be putting together the 5 core classes necessary to
receive any of these designations. As we all know our time and expertise is all we have that sets us apart from the business next door. Where do you stand?
Please email any interest to: [email protected]
Anyone interested in CE ???
If you are in need of CE Credits, there are several classes offered by NAIFA, that we can schedule for the East Valley association.
Please email any interest to: [email protected]
Visit our website at: www.naifaeastvalley.org
********************** LUTCF Insurance Skills **********
Fast-Start Sales Training for Insurance Professionals
The LUTCF Designation can be earned by completing five of The College's regular FA series courses and FA 290, Ethics for the Financial
Services Professional.
For LUTCF Classes in the area, click on the link below:
http://www.theamericancollege.edu/moderatorSearch-lutcf.php
Mark these Monthly Breakfast Meetings in your Calendar!
All meetings held at Dobson Ranch Inn, 7:30 AM Breakfast!
Nov. 11, 2010 – Speaker, Maryglenn Boals, Long Term Care “The Future of LTCi Sales and Service – Are you Ready?” Also, Speaker, Jan Doughty from Packages from Home
Dec. 9, 2010 – Holiday Social, Packages from Home Event
Jan. 14, 2011 – NAIFA Arizona‘s ―Morning with a Star‖ IFAPAC Event, Speaker & Location, TBA
Feb. 10, 2011 – Speaker, Lori Marsh, Brand It Marketing, LLC
Mar. 10, 2011 – Speaker, Ron Adams, Hoopes, Adams & Alexander, PLC – ―Estate Planning‖
Apr. 14, 2011 – TBA
May 12, 2011 – TBA
DO YOU NEED ERRORS & OMISSION INSURANCE? Check out the great deal offered through NAIFA/AON by clicking on the link below!
www.naifainsurance.com
Check out our Website: www.naifaeastvalley.org
“MAYBE I DIDN’T GIVE ENOUGH TO IFAPAC THIS YEAR”
OR ….. Maybe you haven’t contributed at all? It is time to consider what you are doing to help your profession and career.
Most “first timers” contribute $50, but the easiest way to contribute is to automatically pay each month, perhaps $8.50 – a painless exercise – with automatic withdrawal.
Go to www.naifa.org and log in with your member number (on your magazine or your membership card).
COMMUNITY OUTREACH PROJECT 2010-2011 - PACKAGES FROM HOME
We will be supporting Packages From Home as our Community Outreach Project again throughout this coming year. Thank you NAIFA-East Valley members for your support of this project last year. We will have the collection boxes at the October meeting for collection of items, so make a note to bring your donations! This is a great organization that was established in 2004 and their sole purpose is to provide non-perishable food, personal care, and recreational items to US servicemen and women in harm‘s way.
Please support our brave men and women through this great organization. This is the least we can do here at home for those who have chosen to keep us free!
If you have any questions, please contact me, Sid Pfaff, LUTCF, Community Service Chairman at 480-553-5252 or send an e-mail to [email protected]
IN HARM'S WAY POKER TOURNAMENT AT FT. MCDOWELL -- Saturday, November 13, 2010. $100 per participant, and sponsorship packages start at $1,000 which includes a room for 3 days and 2 nights with a seat at the tournament for you, plus the same for a soldier. We have several pre-tournament events:
a. November 1st Launch Party at Kazimierz World Wine Bar, Scottsdale (see notes below)
b. November 5th 8AM, The Fountain Hills Realtor Marketing Session. We have a 5 minute presentation to
promote the tournament. We are voting as a group this Friday on whether or not to donate $500 to sponsor 5 active military players.
c. November 9th, 5p-7p, Poker Learning Party at Tom‘s Tavern
d. November 10th (tentative) Poker Learning Party at Grand Canyon Title, Fountain Hills REALTOR Monthly
social e. November 12
th -14
th the 3 day Fountain Hills Art Festival. We will have a Non-profit booth for all 3 days.
More details at www.PackagesFromHome.org
The Vision and Mission of NAIFA
Vision Statement
The National Association of Insurance and Financial Advisors protects and promotes the critical role of insurance in a sound financial plan and the
essential role provided by our professional agents and advisors.
Mission Statement
The mission of the National Association of Insurance and Financial Advisors is to advocate for a positive legislative and regulatory environment,
enhance business and professional skills, and promote the ethical conduct of our members
Check out our Website: www.naifaeastvalley.org
GOT CHANGES? Send in your
Business & Personal Address, Phone, Fax and E-mail Changes – Fax to 602-305-9830 or email to Betty Hartnett, Association Administrator at
Phone: 602-317-4438
Get to know your State Legislature … The following links will allow you to identify the Members of our State Legislature, as well as identify the Legislators who represent each of you individually:
Members of the Arizona State Senate: http://www.azleg.gov/MemberRoster.asp?Body=S
Members of the Arizona State House of Rep: http://www.azleg.gov/MemberRoster.asp?Body=H&SortBy=1
To find your Legislators, go to:
http://azredistricting.org/mapping/default2.asp?tname=Interim.2004.Legislative.Map&service-ircmaps&Layer4=on&Layer1-on&action=zoomin&ActiveLayer=16
Use these talking points in letters, emails, faxes, and personal visits with legislators.
THE ISSUE is how to provide affordable health care coverage for all Americans and ensure professional assistance in the selection of insurance coverage.
Specific reform efforts should:
PROVIDE PROFESSIONAL ASSISTANCE – licensed, fairly compensated, insurance agents offer a cost effective means of achieving personal and professional assistance in the selection of insurance coverage for individuals and employers of all sizes in all markets.
BUILD ON THE EMPLOYER-BASED SYSTEM – employer-sponsored coverage is a tax deductible expense for employers and not taxable to employees as part of their compensation.
PROVIDE AFFORDABLE OPTIONS – insurance professionals have found that flexible spending arrangements (FSAs), health reimbursement accounts (HRAs), and health savings accounts (HSAs) used in conjunction with high-deductible plans offer affordable health care solutions.
ALLOW PROFESSIONAL CONSUMER GUIDANCE IN GOVERNMENT-ORGANIZED HEALTH EXCHANGES – If government-organized exchanges or gateways are created as an alternative method for distributing coverage, consumers will need reliable information from non-government licensed professionals to make informed decisions.
OPPOSE CREATION OF A NEW GOVERNMENT PLAN – A new government plan should not be created to contend with private insurance.
ADOPT MEDICAL MALPRACTIVE REFORM – Defensive medicine adds costs to the system and high insurance premiums for medical professionals just raises the cost of health care insurance for everyone.
When sending a letter, concentrate on issues and points you feel strongly about. Be professional and courteous no matter what you think the elected official believes regarding this subject.
NAIFA-East Valley
We Care About Your Future!
We Care About Your Success!
We Care About Your Business!
We Care About Your Health and Family!
At NAIFA-East Valley
WE CARE
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I love March Madness……………….and we are in the middle of November Madness…….midterm elections! Since I voted early, I have been able to tune out many of the ads…………BUT I VOTED! This election and all elections are so important to this great nation! No matter ―D‖…..‖R‖…..‖L‖……‖I‖……or ―G‖, please vote! What happens to our beloved profession is at stake and your vote counts!
Please join us on November 11th to hear Maryglenn Boals! She has a great presentation that I know you will find to benefit your clients and for yourself! I also have a very good story that I want to share!
What does Peanut Butter, Postage and Band-aids have in common? Things that ―Packages From Home‖ needs! Just a heads up for our December meeting/charitable event, we will be honored to have some very important folks from Packages from Home with us! Pick up your boxes to fill and bring them to our December meeting.
We need you……………….to attend your meeting! Remember your NAIFA dues include the cost of breakfast so there really is a FREE BREAKFAST! Lots of ideas are shared…..wonderful breakfast….in and out by 9 am with ideas to help grow your business……only thing we need is you! Also bring a friend, do both of you a favor and come to our November 11th meeting!
Check out our Website: www.naifaeastvalley.org