Volume 24, Issue 35

2. xxxxx $ xxx

3. xxxxx $ xxx

1. 2Wes Stevens TX $ 414

In God We Trust

September 07, 2020 Volume 24, Issue 35

Weekly Bulletin Published in Fort Worth, Texas for F&R Agents A Faith-Based Company

Life A.V. Health A.V.

Mike Sosso TX $ 6,744

Important Notice regarding the F&R Bulletin: The F&R Weekly is published by Farm & Ranch Healthcare, Inc. for the dissemination of information to its Agents. It is not intended to be used as advertising material. Permission must be obtained from Farm & Ranch Healthcare, Inc. for reproduction or other use of material herein. This weekly bulletin is intended for distribution to the independent professional sales associates affiliated by contract with Farm & Ranch Healthcare, Inc. It is not intended nor authorized to be used as a sales tool and its contents are not to be shared by any means with anyone not currently contracted with Farm & Ranch Healthcare, Inc.- Thank you. CA License#:CAOC01351

2. Wes Stevens TX $ 2,876

3. Will Corporon AR $ 2,693

4. Michelle Hilgendorf TX $ 2,670

5. Greg Fallin TX $ 1,632

6. Phil Seideman TX $ 1,438

Volume 24, Issue 35

Farm & Ranch Healthcare, Inc.

Carrier Products Sold Weekly A.V. / Top Producer

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Foundation Health Hospital Expense Protection STM GI STM Medicare Supplement AME—Plan Enhancer TRIOMED AME/CI

Life / Critical Illness Cancer / Heart / Stroke Accident Indemnity Dental PPO Dental Term Life

$ 0.00 Health $ 0.00 Life

$ 3,216.00 Health

Med Sup—Traditional—1 Med Sup—High Ded Plan G Disability Med Sup—Traditional Disability Med Sup—High Ded G Cash Cancer Critical Illness Accident 250

Annuity Juvenile Life

Final Expense - WL No First Year Prem Acc Death Mike Sosso TX

Mutual of

Omaha

Life Insurance Child Whole Life Living Promise Term Life Answers Term Life Express GUL GUL Express Guarantee Advantage IUL Income Advantage Protection Advantage

Med Supp—10

Medicare Advantage

PDP—2

Critical Advantage

Dental Dental Preferred Dental Protect

Disability Income Priority Income Disability Income Choice

Long Term Care Mutual Care Solution Annuities Bonus Flex Ann. Ultra-Secure Ultra-Premier

$ 14,837.00 Health

Mike Sosso TX

Not Insurance $29.90 monthly Family Membership Dues—Less Than a Dollar A Day!

Silver Membership 5 New Member

$ 1,794.00

Lisa Wallace TX

MyTelemedicine $5000 or Silver Plus

$10,000 (Guaranteed Con-vertible) Group Life Insurance

Deep Dental Savings Emergency Roadside Assit. RX Savings

See disclosure on page 7

Just a reminder, all new business submitted online must have back up along with the turn-

in sheet. Otherwise it is not considered new business and will not be processed. Thanks!!

Volume 24, Issue 35

Not Insurance

Agent Commission Bonus

Greg Fallin $ 100 $ 100 Mike Sosso $ 100 $ 100 Lisa Wallace $ 300 $ 300

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

No Winner !

No Winner !

No Winner !

Will Corporon $ 200

Phil Seideman $ 100

Mike Sosso $ 100

IMPORTANT NOTICE: All insurance applications submitted with a credit card as method of payment WILL BE PAID AS-EARNED.

Volume 24, Issue 35

Bonus Rules:

Bonus will not be paid for products written on Family Members, Yourself or any other F&R Agent and/or Manager.

Bonus is subject to charge backs if lapsed, declined or cancelled by the Ins Company and/or the Policyholder within the first 90 days.

No Bonus applicable to internal replacement applications and re-submitted applications (previously submitted) will be paid only if the original bonus has been charged back. Multiple submissions will be determined on a case by case basis.

All Agents / Managers must maintain an acceptable Net to Gross Ratio in order to qualify for Bonus.

Bonus & Commission is not paid on Trial Applications until policies are placed & premium received.

Heartland conversion applications count toward bonus qualifications.

Heartland Commissions will be charged back on all Heartland Memberships lapsed or cancelled within the first year.

Only applications that are submitted on Bank Draft Mode qualify for Bonus Program

One bonus payable per application

Medicare Supplement Guaranteed Issue business for reasons other than “aging in” do not qualify for bonus.

Heartland Silver /Silver plus Bonus Write a Heartland Silver membership and receive . . . The Heartland Bonus will be a credit to the “ Back End “ account for those agents without

sufficient credits in the “ Back End “ .. This credit is to insure that ALL agents accounts are protected against any “ Charge Backs or Lapses

Life & Accidental Death E-APP Bonus Write any MOO or UA Life or Acc Death E-APP or a paper app on any MOO IUL ,GULE, GUL (Min. $60 monthly premium) and receive . . .

Mutual of Omaha Term Life Express and Living Promise and United American Final Expense receive an ADDITIONAL

(Min Monthly premium $100)

Medicare Supplement E-App Write a Mutual of Omaha or United American E-App (Plans F, G or N) excluding High Deductible Plan G No bonus of Medivare Supplement NHIC Mutual of Omaha Critical Advantage E-App Bonus

Write a Mutual of Omaha Critical Advantage E-App (Min $100 monthly premium) and receive . . .

Mutual of Omaha Long Term Care E-App Bonus Write a Mutual of Omaha Long Term Care E-App

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Providing the highest quality LEADS is an integral part of our unique BONUS Program!

Volume 24, Issue 35

Mutual of Omaha Guaranteed ADvantage Accidental Death Up to $1,000,000 in total benefits under certain circumstances. Otherwise up to $500,000.00 in benefits Issued up to age 18- 70. Renewable up to age 80

Mutual of Omaha Term Life Express - Available up to $25,000 up to $300,000** Face - Issue Ages 18– 70*

Mutual of Omaha Living Promise - Final Expense Available up to $40,000** Face - Issue Ages 45-85* Mutual of Omaha Guarantee Universal Life Express

Available $25,000 up to $ 250,000** Face - Issue Ages 18- 65*

Mutual of Omaha Children’s Whole Life- Available $2,000 up to $ 50,000 Face – Issue Ages 14 Days– 17 yrs

United American Final Expense Available up to $25,000** Face - Ages 50-80*

United American Juvenile Whole Life Available up to $25,000 Face - Ages 0-18

FULLY UNDERWRITTEN Mutual of Omaha Term Life Answers Available $100,000 up to $65,000,000** Face - Ages 18– 80* Mutual of Omaha Guaranteed Universal Life (GUL )

Available up to $100,000 up to $65,000,000** Face - Ages 0-85*

Mutual of Omaha Income Advantage Indexed UL Available up to $100,000 up to $65,000,000** Face - Ages 0-85*

Mutual of Omaha Life Protection Advantage Indexed UL Available up to $100,000 up to $65,000,000** Face - Ages 0-85*

Silver/Silver Plus

DIALCARE Silver Plan $5,000 Group Life Insurance up to age 70! Silver Plus Plan $10,000 Group Life

Insurance up to age 70! Deep Dental Savings RX Savings Vision Savings MAS Benefits

Not Insurance

National General Foundation Health Plan Fixed-Benefit Indemnity Plan offers predictable and affordable access to health care. Issue Ages 18-64

NGIC Short Term Medical Plan with a guaranteed issue option – Term Medical insurance It provides the financial protection you need from unexpected medical bills and other health care expenses. Issue Ages 18-64 Up to 12 mo options ...Max. allowable policy period is 364 days. Policy durations will vary by state. Some states have a maximum duration of 3 or 6 months.

Mutual Of Omaha Companies Medicare Supplement Plans Issue Ages 65 and Up

United American ProCare® Medicare Supplement Plans Issue Ages 65 and up * Some States Underage 64 Disability Med Supp

Mutual of Omaha Dental plans Issue Ages 19-99 Critical Advantage-Critical Illness Plan

Issue Ages 18- 65 ...18-89 Cancer-Heart/Stroke Disability Income Plans-Issue Ages 18- 61(Most Plans)

Accident - Short- Term- Long Term- Business Expense Long Term Care– Mutual Care Solutions

Issue Ages 30-79 United American Cash Benefit Cancer Plan- Issue Ages 0- 69

Pays maximum benefit amount in cash as listed in the policy schedule up to $50,000

UA250—Accident plan—Issue Ages 0- 63

HealthGuard (CIL) Issue Ages 18-64 critical illness protection which pays a lump sum benefit directly to the policyholder up to $50,000 .

National General Hospital Expense Protection-Issue Ages 18-64

Provides set, cash benefits that help you pay for out-of-pocket costs due to a hospital stay.

TrioMed- AME/C.I./Accidental Death Combo Plan Issue Ages 18- 64

Accident Fixed-Benefit- Issue Ages 18-64 The Accident Fixed-Benefit plan pays cash benefits when injuries, medical treatment or death result from an accident.

Plan Enhancer/Accident Medical Expense Issue Ages 18-64 Accident Medical Expense with

Lump sum benefit rider for Cancer Heart and Stroke. Optional Sickness Hospitalization rider Lump Sum Benefit upon admission to the hospital max varies by state.

Term Life or Life / C.I.— 10 yr Term Life—Critical Illness Issue Ages 18-59

Dental Indemnity 3 levels of affordable coverage to choose from: BASIC - INTERMEDIATE - PLUS In most states, apply for coverage through age 70 and renew up to age 75.(Apply through age 64 and renew up to age 70

in CO, MA, MD, NC, NJ, OH, OR, SD and UT.)

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Volume 24, Issue 35

We live in a different world than we did last week, this gives us the opportunity

to reach out to our clients and talk about their insurance needs.

MESSAGE FROM MICHAEL STEVENS: New Slogan! “Our Mission is to Provide Each and Every American Family with Access to the Life Saving Gift of Tele-Health “

There are two websites for Heartland submittals: WWW.HEARTLANDAMERICA.ORG

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

REMEMBER ... DialCare and Roadside Assistance

programs! DON'T WAIT 'TILL IT IS TOO

LATE!

Follow Heartland on Social Media!!! Heartland Alliance.org

Please see all the states below that are blocked from enroll-ment.

BLOCK STATES INCLUDE: WA,VT,ND,UT, NY,VT,MA,ME,RI,CT,CA,WA,DC,NJ,MN,NH,AK,HI

Volume 24, Issue 35

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Volume 24, Issue 35

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Mutual of

Omaha

At the beginning of the year, we shared with you the clear vision we had for 2020. Unfortunately, 2020 had its own plans and our world was turned upside down. One thing; however, remained the same — cus-tomers still needed life insurance protection. And with your help, we’ve continued to offer sound planning solutions to help meet the needs of your customers and provided electronic solutions that made it easier for you to do business in today’s world.

As we head into September, there’s no doubt this year’s Life Insurance Awareness Month is going to look a little different than it has in the past. But, it’s still an important opportunity to help clients understand the value of life insurance.

Here are some marketing tools that can help in your life insurance sales efforts:

Microsites: Our Life, Simplified site includes materials and videos for our simplified issue products, and our IUL University site con-tains a library of IUL training videos and materials for our fully un-derwritten products.

Map Your Course Materials: This packet of materials helps pre-pare clients for the risks they may face in retirement and helps them plan for these risks using an Income Advantage IUL policy.

Prospecting Mailers: You can select from a variety of mailers that can be personalized and sent to clients.

Life Insurance for Living Brochure: This brochure helps clients understand the value of life insurance. It’s available in both English and Spanish.

Underwriting Program and e-Application Materials: Our Accel-erated Underwriting, Speed eTicket (drop ticket) and Automated Un-derwriting flyers and our e-App Training videos help explain our Underwriting programs and e-Application processes.

Volume 24, Issue 35

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Mutual of

Omaha

In August, Mutual of Omaha began sending emails with links to PDF copies of all Life and Annuity policies.

Please note, policies will continue being mailed via the stan-dard paper policy output process in addition to the new email process.

Here’s How it Works An email is sent within 24 hours of policy issue The email is sent to the client, the writing agent, the

top-level marketer and any authorized user designated by the writing agent or top level marketer with full ac-cess in Sales Professional Access (SPA)

The email will contain a link to our Secure Message Portal system, allowing you access to view a PDF of the policy Delivery requirements and delivery receipts can be printed and wet signed or electronically signed using on our approved vendors How to submit delivery requirements:

Email (recommended): the requirements to liferequire-ments@mutualofomaha.com

Mail: Use the envelope provided in the paper policy to mail the requirements to Mutual of Omaha

Volume 24, Issue 35

Cash Benefit Cancer Plan...Issue ages 0-69. Pays maximum benefit amount in cash as listed in the policy schedule up to $50,000 for written satisfactory proof of a first-time diagnosis of internal cancer or malignant melanoma. Benefit can be used for anything - income while not working, travel expenses, at-home care, experimental treatment or whatever is needed. Pays in addition to other coverage. Available for individual, single parent, or family coverage.

HealthGuard (CILS)… Issue ages 18-64. The plan is critical illness protection which pays a lump sum benefit directly to the policyholder upon written satisfactory proof of first diagnosis. Covered illnesses include: Major Organ Transplant, Heart Attack, Stroke, Total Loss of Eyesight, Total Loss of Hearing, and End Stage Renal Failure. Benefits are available in $10,000 increments, ranging from $10,000 to $50,000. Benefit amounts reduce by 50 percent at age 65. Individual and spouse coverage available.

ProCare® Medicare Supplement Plans... featuring the High Deductible Plan G(HDG) The HDG is a Medicare Supplement Plan G policy that provides all the features and benefits of a standard Plan G but at a substantially lower premium. The difference is a calendar-year deductible. The amount of the calendar-year deductible for 2020 is $2,340. (Set by the federal government) Why does an HDG policy make great sense? U A’s Company statistics show the majority of their Plan G policyholders have annual claims well below the current deductible amount of $2,340. In fact, Company statistics show that 80% of policyholders ages 65-67 had annual claims averaging $524. If your clients anticipate few claims or small claims, an HDG policy may be the right choice! After all, why pay premiums for claims they may never have?

Here’s a quick glance at the easy sell United American products:

UA-250 Accident Compensation Plan ...Issue ages 0-63. Guaranteed Renewable for Life! Pays cash benefits for accidental injury. Choose from a lump sum payment of up to $10,000 per accident or a hospital cash benefit of up to $6,250. Also includes an Accidental Death Benefit which pays $10,000 instead of all other benefits (or $10,000 minus any previously paid benefit) to chosen beneficiary.

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

The Plan HDF is available to individuals that turned 65 prior to Jan 1st 2020. If they turned 65 after Jan 1st 2020 they can get on the new HDG Plan. In 2020, the Government will authorize the creation of a new High Deductible Plan G. As you may know, Plan F is disappearing for new purchases as of 2020. With the disappearance of Plan F, the High Deductible Plan F will be gone as well. If you are interested in buying a High Deductible plan, the only option you will have will be the

High Deductible PLAN G High Deductible Plan Overall Rating 5 STARS !!!!!

With the Plan HDF's removal in the year 2020 and the price difference be-tween High Deductible Plan F vs High Deductible Plan G, the High De-ductible G will be one of the best values for supplement market. !!!

Volume 24, Issue 35

In an effort to avoid face-to-face interactions while we are adhering to CDC guidelines of Social Distancing, we are implementing a temporary eSignature solution that will allow previously face-to-face only products (outside of New York) to be sold over the phone.

Below, you can access our temporary eSignature process guide and language, as well as screen-sharing applications used to effectively continue face-to-face business.

Please login to UAOnline to access the Compliance Sheets for state-specific product bro-chures, applications, and other required forms.

Screen Sharing Applications:

While screen sharing is not required for eSignature, it is highly recommended you adopt this technique so you can continue face-to-facebusiness virtually. Our agents have found success with thefollowing applications:

join.me website Mikogo website

Virtual Selling Documents:

UA eSignature Process Guide PDF UA Virtual Selling FAQ PDF

United American Email Template Forms

Use these templates during your eSignature process.

New Business templateCancer, Life, and Medicare Supplement Conversion template

Reinstatement template

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

You can virtually sell the cancer and the CILS apps for now, eve-rything EXCEPT the Accident 250 and underage disability apps.

Volume 24, Issue 35

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Illinois members now have access to our enhanced Short Term Medical offerings, including Essentials, Enhanced, Co pay Enhanced, and Guaranteed Issue options, with no out-of-network cost sharing penal-ties and a maximum coverage term of 180 days. Nat Gen is the first to offer clients network choice with STM plans. We’re introducing the Cigna PPO network for the STM Enhanced PPO and Co pay Enhanced PPO lev-els in the following states, with renewal and consecutive plan options in:

AL, AZ, AR, FL, GA, KY, LA, OH, SC, and WI. 6-month plan options in: MI, MT, and NV. Please note, this is in addition to the Aetna PPO network offering and the Essen-tials PPO and Guaranteed Issue options are not available with the Cigna PPO network. New benefit op-tions for Plan Enhancer Our Plan Enhancer Accident Medical Expense with optional Cancer & Heart/Stroke and Sickness Hos-pitalization riders has the following new benefit levels: $6,000, $8,000, $8,150, $9,500, $11,500, $12,500, and $17,500. These new benefit options are available where Plan Enhancer with riders options is avail-able, except Ohio. New benefit levels are making it easier to pair with our Short Term Medical and any new ACA plan deductibles. Medicare Supplement: Now in Minnesota, Missouri, New Jersey, and Wisconsin Our Medicare Supple-ment Insurance is now available for quoting in Minnesota, Missouri, Wisconsin, and STATE. This brings Nat Gen’s total Medicare Supplement footprint up to 42 states! Simplification of our portfolio continues. National Health Insurance Company now underwrites Dental Indemnity in the following states: Minnesota, Missouri, Montana, and Wyoming. Make sure your agents are all appointed with National Health Insurance Company to continue to sell these products .New Prod-uct Introductions

New to Idaho: Dental Indemnity New in California: Term Life Only

New in Louisiana: Critical Illness-Term Life Important information regarding agent appointments for Oklahoma

Per Michael please remember that NHIC offers Medicare Supplements plans!

Volume 24, Issue 35

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Here’s what’s coming on Friday, August 28th for August 29th and later effective dates.

NEW: Preferred and Standard Short Term Medical Rate Program Through our new Preferred and Standard Rate Program, STM clients may qualify for discounted preferred rates if they:

Are the primary applicant or spouse and between the ages of 18 and 64. Dependents are not eligible for preferred rates.

Have maintained health insurance coverage for 9 of the past 12 months. Are tobacco and nicotine free. Fall within specific weight ranges. Pass additional eligibility questions.

NEW: National General Dental Vision Hearing now available in Alabama, Arizona, Florida, Georgia, and Illinois. New senior dental plan with double the benefits in year two!

The brand-new National General Dental Vision Hearing (DVH) plan helps clients ages 55 and older get the dental coverage they need, when they need it. Clients get access to the Aetna Dental® Administrators network, with 89,000 providers nationwide. There’s no waiting period for any covered services, and select benefits double up in year two of the plan. There are three plans to choose from. Optional vision coverage is available, with two plans to choose from and access to the Avesis Vision network’s 98,000 access points for care. (Vision not available in Illinois.) All plan levels include hearing test and device dis-counts from Amplifon.

Plan Enhancer: New benefit levels available We’ve added two new benefit amounts, $8,550 and $17,100, to the Plan Enhancer options to help match clients’ out-of-pocket with ACA plans. The new benefit amounts are not available in CA, CO, DC, GA, KS, OH, MI, TN or VA.

National General Access now in Utah! Our total footprint is 28 states! Lucrative National General Access Bonus program running thru 12/31/2020!

Product updates for Indiana Cancer & Heart/Stroke now available in Indiana Lower Supplemental Rates in Indiana

New clients in the Hoosier State can now get TrioMED plans at lower rates

Update Your Browser for Quotit Effective August 29, 2020, web browsers that are not updated with TLS 1.2 security protocols will no longer work with Quotit. Please check your web browser's information to make sure it matches one of the compatible browser versions below:

Desktop and mobile IE version 11 Microsoft Edge Firefox 27 and higher Google Chrome 38 and higher Opera 17 and higher Android 5.0 (Lollipop) and higher Desktop Safari versions 7 and higher for OS X 10.9 (Mavericks) and higher Mobile Safari versions 5 and higher for iOS 5 and higher

If you are unsure if your browser is compatible, you can use the following website to verify your browser's compatibility: www.whatsmybrowser.org

Volume 24, Issue 35

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Short Term Medical Plans The court appeals from the District of Columbia on July 17th up held a Trump-era rule that expanded access to short term, limited dura-tion insurance (STLDI) The majority rejected the plantiffs arguments that the short-term plan rule is contrary to Congresses intent in adopting the Health Insurance Portability act. (HIPPA) and an unrea-sonable interpretation in light of the Affordable Care Act. (ACA) The court pointed to instances in the record where the government as-serted that the change in duration of STLDI plans could have an im-pact , but that it would be relatively minor. The court reached it’s de-cision. STM can continue to be sold for 3 up to years in states that allow it. The rule has significant impact already. Enrollment in STLDI prod-ucts has increased by at least 27% since the new rule was finalized. Fed-eral rules allows 364-day plans, with option to renew for up to 36 months.

More than half the states have stricter regulations, and there are 11 states where no short-term plans are available.

Recent state-based legislation pertaining to short-term plans: Some have tightened state regulations and others have relaxed them.The 2018 rule that extends the allowable dura-tion of short-term plans was upheld by a federal district court judge in 2019, and again upheld

by an appeals court, in a 2-1 ruling issued in July 2020.

Volume 24, Issue 35

The COVID-19 pandemic caused by the novel coronavirus has challenged health care like never before.

Health insurance providers, policymakers and tech companies have responded with new ideas, new flexibility

and new solutions. The pandemic has in particular put a spotlight on telemedicine as a beneficial tool

for screening and monitoring the sick, protecting the healthy, and supporting our nation's most vulnerable.

This special report captures a snapshot of how telemedicine is being used and the ways in which health care

could be reshaped after this crisis is behind us.

Telehealth: A solution to multiple pandemic challenges

Policymakers and health care providers are advocating for expanded use of telehealth to manage a number of

challenges presented by the COVID-19 pandemic. Proponents say telehealth can allow people who think they

might be infected to be screened at home rather than at clinics or hospitals, where they could spread the virus

or be exposed to it, and telehealth can also allow clinicians to safely check in on people who are at high risk

of serious illness if exposed and infected. Full Story: Medscape (free registration) (3/4), New England Journal of Medicine online (3/11)

Insurers boost virtual care amid COVID-19

Health insurance providers are waiving cost sharing, relaxing network restrictions and making other changes to enable access to COVID-19 care, and telehealth figures into many of their strategies. For example, Hu-mana is covering virtual urgent care without cost sharing, Aetna has waived telemedicine fees for all condi-tions, and Magellan Health is allowing free access to its digital cognitive behavioral therapy program and has expanded behavioral telehealth offerings.Full Story: Health Payer Intelligence (4/7)

Pandemic pushes telemedicine use to an all-time high Telehealth usage rose by 50% in March and virtual health care interactions are projected to top 1 billion by the end of 2020, according to Forrester Research, with 900 million of those involving the novel coronavirus. Health insurers have aided the transition to virtual care amid the COVID-19 pandemic by urging patients to use telehealth for screening, rather than clogging up emergency departments. Full Story: CNBC (4/4)

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Volume 24, Issue 35

IMPORTANT REMINDER The Leads provided to you by Farm & Ranch Healthcare , Inc. are , and remain , the exclusive property of Farm & Ranch Healthcare, Inc. Any attempt to persuade a Farm & Ranch provided client lead to purchase an insurance product not expressly approved , in advance , by Farm & Ranch is considered a direct violation of your contract and may be cause for termination. It is further understood that any attempt to persuade a client who is a current policyholder of Farm & Ranch to change to a policy underwritten by a company not approved by Farm & Ranch is a direct violation of your contract and may result in termination of your contract and any renewal income generated as a result of that contract. Remember: Honesty is the best policy ... Your adherence to these prudent business

ATTENTION !!!! GET YOUR LEAD

CREDIT FOR YOUR SOLD LEADS !

~~~~~~~~~~~~~

It is very important

you eceive credit for the lead, it is impera-tive that you list the

lead phone number on your turn in

sheet!! This number can be entered in the Work/Alternate phone number space. If for

some reason this is not possible

PLEASE EMAIL

Marketing@farhc.com!

We want to ensure that resources are being directed to agents that are able to convert the Elite leads. Our goal each week is to put a minimum of fifteen fresh, hot leads into the hands of each and every agent who is converting these leads into sales and commission $$$. Elite leads will be awarded as follows:

Farm and Ranch website is FARHC.COM the password is f&rsales all lower case. The weekly Bulletin and all updates are on the website every week. Lisa will be out of the office for a few weeks, starting September 14th for surgery.

Honesty and Integrity is the F & R Way !!!

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc