December, 2015 - National Association of Fraternal Insurance ...

National Association of Fraternal Insurance Counselors

66th Annual

Convention

MAY 11 – 13, 2016 CHARLESTON, SOUTH CAROLINA

2015 Volume 10 Issue 2

2015-2016 NAFIC

Officers and Directors CONTENTS 3 2016 NAFIC Convention 6 2015 NAFIC Awards 10 Field Representatives are Critical

to Carrying the Fraternal Message to Capitol Hill 19 Save $$$ with this New NAFIC Member Benefit 20 Building Your Business with Social Media 24 Leader News

26 10 Sales Ideas You Can Use Today 28 New FICs and FICFs

33 NAFIC Chapter Contacts

34 Renew Your NAFIC Membership

35 2016 Conference Registration Form

NAFIC STAFF Anna Maenner, Executive Director Chuck Maenner, Member Services Tiffany Chadwick, Convention Services

NAFIC OFFICE 211 Canal Road Waterloo, WI 53594 866-478-3880 www.nafic.org [email protected]

FIC PERSPECTIVE: Anna Maenner, Editor Reindl Printing Inc. – Design & Layout

The views and opinions expressed in the FIC Perspective are those of the respective authors and not necessarily those of the National Association of Fraternal Insurance Counselors, our Executive Director, our Board of Directors or our individual members.

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National Association of Fraternal Insurance Counselors

President

Secretary/Treasurer

Robert Cooper, FICF Modern Woodmen of America 158 Stevens Drive Macon, GA 31210 (478) 474-0069 [email protected]

Joy Collins, FICF Woman’s Life Insurance Society 6616 Monroe Street #6 Sylvania, OH 43560 (419) 882-0080 [email protected]

Vice President James Dietrich, FIC, AFA Foresters of Canada 513 Baycroft Drive, Martensville, SK. S0K 2T2 (306) 931-7625 [email protected]



Immediate Past President Randall Kolarik, FIC, LUTCF Western Fraternal Life Association 6975 County Road X Denmark, WI 54208 (920) 863-1443 [email protected]

Board of Directors Dena DeGroat, FIC Thrivent Financial 18015 Ulysses St NE Ste 100 Ham Lake, MN 55304 (763) 754-2670 [email protected] Gregory Gall, FIC, LUTCF Catholic United Financial 23035 Turquoise St. St Cloud, MN 56301 (320) 229-0717 [email protected] Rick Kremel, CLU, LUTCF, ChFC, FIC Catholic Financial Life 2625 S. Moorland Road, Suite 104 New Berlin, WI 53151 (262) 796-1212 [email protected] John Mahon, FICF, LUTCF Knights of Columbus 1275 SW Tokeka Blvd Topeka, KS 66612 (785) 408-8806 [email protected]

Executive Director Anna Maenner NAFIC Office 211 Canal Road Waterloo, WI 53594 (866) 478-3880 [email protected]

Donald Molineu, FICF, LLIF Woodmen of the World Life Insurance 115 Atrium Way, Suite 128 Columbia, SC 29223 (803) 788-6912 [email protected] James “Jimmy” Tirres, FIC, LUTCF Catholic Life Insurance 1635 NE Loop 410, Suite 507 San Antonio, TX 78209 (210) 829-0029, (210) 313-7679 Cell [email protected] R. David Zerhusen, FIC, CLU, ChFC, LUTCF, CSA Catholic Order of Foresters 1671 Park Road, Suite 15 Fort Wright, KY 41011-2769 (859) 261-1365 [email protected]

May 11 – 13, 2016

93% of attendees say they will attend another NAFIC convention.

Golf at Patriots Point Links on Charleston Harbor

36%

Charleston is the

#1

US Travel Destination

of attendees come to improve their business and learn new ideas.

Enjoy camaraderie with fellow fraternal agents. MDRT Speakers at an affordable price

100% 42% of attendees say they would recommend to a colleague.

of attendees have attended 5 or more NAFIC Conventions.

Embassy Suites 5055 International Blvd. North Charleston South Carolina

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Time to Register Book your rooms. Embassy Suites, 5055 International Boulevard, North Charleston, South Carolina

2016 Convention

Go to www.nafic.org and use the quick link on the right hand side of the home page to book your room. Cost: $139 sgl/dbl; Special Group Rate is good until 4/9/16 or until rooms are filled. Check-In Time: 3:00 p.m.

Check-Out Time: Noon

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Register for the convention.

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Book your flight.

Go to www.nafic.org and use the quick link to register online. Or use the form on page 35.

The Embassy Suites in North Charleston is just a few minutes from the Charleston International Airport. www.chs-airport.com There is complimentary Airport Transfer for all Embassy Suites Airport registered guests. The airport is serviced by the major airlines i.e. American, Delta, JetBlue, Southwest and United.

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Things to do in Charleston – there’s plenty! Discover a place where the past is still present, where gas-lit lamps flicker in the warm southern breezes. Cobblestone streets pave the way to intriguing boutiques and exquisite dining. Encounter historic houses and museums, attractions, pristine beaches and world-class golf in one destination that has been welcoming visitors for more than 300 years. Whether you like cuisine, culture, history, the outdoors or shopping, Charleston earns it’s #1 US destination ranking. See what’s awaiting you at www.charlestoncvb.com

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National Association of Fraternal Insurance Counselors

66th Annual Convention National Association of Fraternal Insurance Counselors MAY 11 – 13 • CHARLESTON, SC Embassy Suites, 5055 International Boulevard North Charleston, South Carolina

Convention Schedule

Subject to Adjustments

Morning: Golf Outing at Patriots Point Links Service Project Afternoon: Registration open at Noon General Session begins at 1:30 p.m. Speakers: Matt Jones, Cancer Survivor, Marathon Runner Garry Kinder, Kinder Brothers International Evening:

Welcome Reception – A Nautical Adventure

THURSDAY, MAY 12TH Morning: Embassy Breakfast Buffet General Session

2016 Convention

WEDNESDAY, MAY 11TH

Speakers: Bruce Christopher, Psychologist & Humorist Michael R. White, CLU®, ChFC®, CLTC, CEO Virginia Asset Management Afternoon: Digging Deeper Workshops

FRIDAY, MAY 13TH Morning: Embassy Breakfast Buffet General Session Speaker: Matt Jones, Motivation & Inspiration Grey Giovanine, Head Coach, Augustana College

2015 Volume 10 Issue 2

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Congratulations TO THE 2015 NAFIC AWARD WINNERS! The National Association of Fraternal Insurance Counselors is pleased to recognize its members who have provided excellent service to their Society’s members. The Production Award is given to agents who have achieved a level of first-year commissions on life insurance production of $2 Million or more on at least 30 paid applications in 2014. BRONZE Award - $30,000 in earned first-year commissions SILVER Award- $40,000 GOLD Award- $50,000 PLATINUM Award- $65,000 PRESIDENT Award - $90,000 CHAIRMAN’s COUNCIL Award - $125,000 The QUALITY SERVICE Award (QS) is awarded to NAFIC members who have Life insurance production of $2 Million or more on at least 30 paid applications and maintain at least 90% persistency in 2014. The agent must have been with the Society two years or more. The RISING STAR Award is given to agents in the first four years of having their FIC designation and must meet at least one of the following for 2014: · At least 50 new life applications OR · 75 total new applications OR · 25 new insurance members Awards are based on information provided by the agent’s Society. Not all Fraternal Societies choose to participate in the awards program. Recipients must be NAFIC members in good standing both the year of production and the current year.

Catholic Financial Life Member

Award

John Augustine FIC, LUTC, MDRT....... President QS Michael Dougherty FIC, LUTCF.......... Silver QS Gary Fichtner FIC.............................. Gold QS Deborah Hecker FIC.......................... QS Francisco Hernandez FIC.................. Silver QS Rising Star Debra Hill FIC.................................... Gold QS Rick Kremel CLU, ChFC, FIC, LUTCF... Platinum QS John Kuiken CEBS............................. QS Daniel Lloyd CPA, CLU, ChFC............. Silver QS Bridget Long FIC................................ Gold QS Eleazar Lopez ................................... Bronze QS Matthew Luczaj FICF......................... Bronze QS Rising Star Ida Martinez ..................................... QS Stephen Mathie FICF........................ Platinum QS Michael McNamee FIC...................... QS Kristin O’Connell FIC, CFP.................. Platinum QS James Piette FIC, CLU, ChFC............. Gold QS Kathleen Ramthun FIC, LUTCF, CLU... President QS Gabriel Rivera FIC.............................. Bronze QS Rising Star

6 | National Association of Fraternal Insurance Counselors

Carla Soczka FICF, LUTCF.................. Silver QS Karen Stiles FIC, LUTCF..................... Gold QS Thaddeus Streeter FIC....................... Bronze QS Matthew Tomlinson .......................... Bronze QS Rogelio Uriostegui FIC, LUTC............. Bronze QS Sharyl Zillmer ................................... QS

Catholic Life Insurance Member

Award

Wendy Janak FIC............................... QS Wilbert Jost FIC................................. Gold QS Joseph Kenna FIC............................. Bronze Darrell Labus FIC............................... Chairman QS Francis Lutz FIC................................. Bronze Geraldine Martinez FIC...................... Gold QS Jennifer Moczygemba FIC, CLU.......... Bronze Larry Pelzel FIC.................................. President Michael Scardino FIC........................ President Loretta Schmidt FIC.......................... QS Eugene Smart FIC, CLU, MBA............ Chairman James Tirres FIC, LUTCF..................... Chairman QS

Catholic Order of Foresters Member

Award

Antonio Alvarado FIC......................... QS Rising Star Frank Bradley FICF, LUTCF, CSA.......... QS Roman Claas FIC, CSA...................... QS Mark Hehman FICF........................... QS Thomas Kaelin FICF.......................... Gold QS Ryan Maschmeyer FICF, MBA............ Silver QS Rising Star Kelly Mauer FIC................................. President QS Duane Mock FIC, CSA, LUTCF........... QS Richard Oligmueller FICF................... Silver QS James Pappas FIC, LUTCF................. Silver QS Allen Willett ...................................... Bronze QS Janet Woods FIC................................ QS

Catholic United Financial Member

Award

Sara Bartosh FIC, CLF....................... Silver QS Rising Star Candee Cloos FICF............................ QS Dean Demarais FIC, LUTCF............... President QS David Ehlert FIC, LUTCF..................... Platinum QS

(Catholic United Financial continued) Taylor Evjen FIC................................. Rising Star Gregory Gall FIC, LUTCF..................... Platinum QS Gary Gall FIC..................................... Platinum QS Mary Harens .................................... Bronze QS David Lanari FIC................................ Silver Rising Star Dan Markell ..................................... Gold QS Rising Star Michael Matuska ............................. Platinum QS Timothy Parks FIC.............................. Platinum QS Peter Ryan FIC................................... Platinum QS Dave Stang FICF................................ Platinum QS Rising Star Susan Stenzel FIC, LUTCF, ChFC........ President QS James Suek FICF............................... Rising Star Lyle Turbes FIC................................... Silver QS Dean Warta FIC, LUTCF...................... Gold QS Brian Zitzmann FIC............................ Gold QS Rising Star

FaithLife Financial Member

Award

Douglas Deichert FIC........................ President Larry Hoekstra FIC............................. Bronze David Kitsch FIC................................ Bronze Don Kulyk FIC.................................... President Kacie Pusztay FIC.............................. Silver Hugh Weltz FIC, EPC, MDRT............... President

Knights of Columbus Member

Award

Robert Abbate CSA,FIC, MDRT.......... Chairman QS Steven Abeyta FICF, MDRT................. Gold QS Michael Anderson FICF, BS, MA......... Bronze Rising Star Henry Angelucci, Jr FIC...................... President Rising Star Curtis Antony FICF............................. QS Rising Star Larry Bate Jr FIC, MDRT..................... Platinum QS Rising Star C Samual Beauregard Jr FICF........... Bronze QS Garry Beausoleil FICF........................ Bronze QS Jeff Beller FICF, MDRT........................ Gold QS James Bernacki FIC........................... Silver QS James Bertine FIC, LUTC, LUTCF........ Silver QS Robert Blakely Jr FICF....................... Bronze QS Rising Star Mark Blanton FICF............................ Bronze John Blazevich FICF........................... QS James Brockert FIC, FICF................... Silver QS Rising Star Adam Bruna FIC, MDRT.................... Platinum QS Rising Star William Buchta FICF, MDRT.............. Platinum QS Daniel Cabirac FIC. MDRT................. Chairman Rising Star Robert Callaway FICF, LUTCF, LUTC, MDRT............................................. Gold QS Robert Canter Jr FICF, LUTCF, CSA, MDRT............................................. Platinum QS

John Canter Sr FICF, MDRT................ Gold QS Zachary Caro FICF............................. Silver QS Jeffrey Carvalho FIC, MDRT................ President QS David Cary FIC, MDRT....................... Gold QS Rising Star Kyle Casey FICF................................. Silver Brian Caves FICF. LUTCF.................... Rising Star Wayne Cherney FIC, LUTC, LUTCF...... President QS Jonathan Chiem FICF........................ Gold Daniel Conlon FICF........................... QS Thomas Cowan FICF, MDRT............... Platinum Wayne Crome FIC, MDRT................... QS Stephen Crossan FIC........................ QS Joseph Cummings FICF..................... Silver Todd Curtis FIC.................................. QS Brian Daly FIC, MDRT........................ Silver QS Rising Star Justin Deges FICF, LUTC, CLTC, MDRT............................................. President QS Daniel Del Villar FICF, LUTC, LUTCF, MDRT............................................. Silver QS Joseph DeMarco FICF, MDRT............. Platinum Paul Di Vico FIC................................. Rising Star Trevor D’Mello FIC.............................. Silver QS Glen Dobmeier FIC, MDRT................. President QS Dwain Dungen FICF, MDRT................ Gold QS Rising Star Jon Dunham FICF.............................. Gold QS Rising Star Frederick Durso FICF, CSA................. Gold QS Matthew Ernstes FICF....................... QS Rising Star Louis Esola Jr FIC, MDRT................... Platinum QS Paul Falck FICF.................................. Bronze QS Carl Ferguson FIC, LUTCF, LUTC, CSA.. Gold QS Francisco Fernandez FIC................... QS Jeffrey Fischer FICF, LUTCF, MDRT...... Bronze QS Joe Flores FICF.................................. Gold QS David Gallagher FIC.......................... Silver QS Rising Star Matthew George FICF........................ Bronze QS Rising Star Raffaele Gerace FIC.......................... Gold QS Jeffery Goralczyk FICF, CSA, LUTCF.... Gold QS James Grabinski FICF, LUTCF, CSA, MDRT............................................. President Wade Greif FIC.................................. Platinum QS Wilfred Greitens FICF......................... QS Walter Guillote FICF, MDRT................ Platinum QS Clinton Hajovsky FICF........................ Bronze QS Lawrence Havranek FICF................... Gold QS Mark Hedge FICF, LUTCF, MDRT......... Platinum QS Luke Henry FICF................................ Gold QS Rising Star Darrell Hinkebein FICF, LUTCF............ Gold QS David Imbriani FIC, MDRT................. Silver QS Christopher Irwin FIC......................... Bronze QS Rising Star Thomas Jackson FIC......................... Gold QS Victor Johnson Sr FICF, LUTCF............ QS Rising Star Robert Karaczun FICF........................ Bronze QS Alex Keller FICF................................. Bronze QS Douglas Kelly FICF, Life Member MDRT............................................. Platinum QS

Mark Kingsbery FIC, MDRT................ Chairman Rising Star Steve Kluthe FICF, MDRT.................... Bronze QS Michael Kosch FICF........................... Silver QS James Krawczyk FICF, CSA, MDRT..... Silver Robert La Barbera FICF..................... QS Chuck Larter FIC, EPC, CHS, MDRT.... Gold QS Brian Lawandus FICF, MDRT.............. Chairman QS Ryan Lister FICF................................. Silver Rising Star Joe Mahoney FIC, ChFC, LUTCF......... QS Rising Star Travis Martin FICF.............................. Bronze QS John Mascioli FICF............................ Bronze QS Alexander Mathis FIC........................ Rising Star Dennis Matthews FICF...................... QS Patrick Mc Aleer FICF......................... QS Mark Mc Eniry FIC............................. Silver QS Rising Star Michael Mc Granahan FICF, LUTCF, MDRT............................................. Platinum QS Andrew Mc Mahon FICF.................... QS Barry Mc Nulty FICF.......................... QS Charles McCann Jr FICF, LUTCF......... QS Rising Star Robert McFadden FIC....................... Platinum QS Stephen Melancon FIC..................... Platinum Rising Star Lawrence Messer FICF, LUTC, LUTCF, MDRT.................................. Platinum QS Peter Milne FIC.................................. QS Rising Star Robert Monagan FICF, LUTCF, PGK..... QS William Moriarity FICF, CLTC............... QS Daryl Morrow FICF, MDRT.................. Platinum QS Matthew Munoz FICF......................... Bronze QS Rising Star Richard Musto FICF........................... QS Seth Myhre FIC.................................. Platinum QS Brandon Nelson FIC.......................... Silver QS Rising Star Edward Norton III FICF...................... Bronze QS Timothy Nowak FICF, MDRT............... Chairman Rising Star Douglas Nurenberg FICF, LUTCF, MDRT............................................. Bronze QS Michael O’Brien FIC.......................... QS Richard Orr FIC, LUTCF...................... Bronze QS Rising Star Kevin Paish FIC, LUAC, CFP, MDRT..... President QS Rafael Peschiera FICF....................... Platinum QS Rising Star Neil Pfeifer FICF, MDRT...................... President QS Craig Pfeifer FICF, MDRT.................... Gold QS Rising Star Kevin Philip FIC................................. Bronze QS Rising Star Daniel Pollaci FIC.............................. Silver QS Keith Praski FICF, MDRT..................... QS Mark Primeau FIC, MDRT.................. Platinum Rising Star Joseph Racher FIC............................ QS Daniel Reed FIC................................ President QS Robert Reilly FICF.............................. QS Rising Star Dale Robinson FIC, CSA, MDRT......... Platinum QS Michael Roznowski FICF, LUTCF......... Silver QS Rising Star (Continued on page 8) 2015 Volume 10 Issue 2

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Matthew Rutt FICF............................. Silver QS Robert Ryan FICF.............................. QS Ronald Sandoval FIC, MDRT............. Chairman QS Rising Star Jayme Sanford FIC, MDRT................. Gold QS Rising Star Benjamin Santo FIC, MDRT............... President QS Rising Star Steven Schmidt FICF, LUTCF.............. Gold QS Randy Schnoebelen FICF.................. QS Michael Scholz FICF.......................... Silver QS Rising Star Dennis Schommer FICF.................... QS Joseph Schutzman FIC...................... Platinum QS Rising Star Raymond Selg FIC............................. Silver QS Rising Star Matthew Seltzer FICF......................... Silver QS Rising Star Richard Silva FIC............................... Silver QS Rising Star Thomas Sitzmann FIC, MDRT............ Gold Alvin Smith FICF, LUTCF..................... QS Steven Sofranko FICF........................ Gold QS Rising Star Wayne Sokalski FICF, PGC................. Bronze QS David Soukup FICF, MDRT................. Gold QS John Spencer FIC, MDRT................... President QS Rising Star James Stachura Jr FICF, MDRT.......... President QS Phillip Stackowicz FICF, MDRT........... Chairman QS Charles Stastny FIC, FICF.................. Gold QS Rising Star Michael Sullivan FICF........................ Bronze QS Thomas Sullivan FICF, MDRT.............. QS Douglas Supak FICF, LUTC, LUTCF, MDRT............................................. Platinum QS Jody Supak FIC, CSA, MDRT, LUTCF... Platinum QS Howard Tank FIC................................ Gold QS Stephen Tatz FICF.............................. Bronze QS Rising Star Graham Tompkins FIC....................... QS Daniel Turnwald FIC, MDRT................ President QS David Vanasse FICF, LUTCF................ QS Curtis Vath FICF................................. QS David Walsh FICF............................... Silver QS Ronald Wassill FIC............................. QS Kevin Weber FICF, MDRT.................... Gold QS Rising Star John Welker FIC, ChFC, LUTCF........... Gold QS James Welter FICF............................. Gold QS James White FICF, LUTCF, MDRT......... President QS Christopher Winston FIC.................... Gold QS Rising Star Alyn Winters FICF.............................. Bronze QS Joseph Wolf Jr FIC, MDRT.................. Gold QS Martin Yakimovich FICF..................... Silver QS Stephen Znoj FICF, MDRT.................. Platinum QS Rising Star

8 | National Association of Fraternal Insurance Counselors

Modern Woodmen of America Member

Award

James Adams FIC.............................. Gold QS Rising Star Ruth Ahnen FIC................................. Chairman QS Vivian Aichele FIC.............................. Chairman QS Rising Star Aleksandr Alekseev FIC..................... QS Russell Allen FICF.............................. Bronze QS Terry Armstrong FIC........................... President QS Edward Arthur FIC.............................. Silver QS Rising Star Jerry Averett Jr FIC............................. Chairman QS Rising Star Linda Ayotte FIC................................ Bronze Rising Star Teresa Baker FIC................................ QS Rising Star Kevin Bakko FIC................................ Gold QS Jana Baldwin FIC............................... Bronze QS John Ball FIC, LUTCF.......................... QS Rising Star Ben Banasik FIC............................... Platinum QS Andrew Bartling FIC........................... Bronze QS Steve Bass FIC.................................. Bronze Shane Bauman FIC........................... Platinum QS Rising Star Andrea Bearden FIC.......................... Bronze QS Rising Star Rodney Bechtold FIC, LUTCF............. Bronze QS Kenneth Beer FICF............................ Gold QS Jerome Beine FICF, LUTCF.................. Platinum QS Laurie Beltran FIC.............................. Gold Rising Star James Bender FICF........................... Bronze QS Brenda Benish FICF.......................... Chairman QS Scott Bennett FIC.............................. Silver QS Richard Bibbee FICF......................... QS Lauren Blair FIC................................. Rising Star Jeffrey Boll FIC................................... QS Nadia Bolyshkanov FIC..................... QS Kris Bosley FIC.................................. Bronze Lee Bowman Jr FIC............................ Platinum QS Gregory Boyce FIC............................. Chairman QS Linda Bragg FIC................................. Gold QS Eric Brooks FIC.................................. Gold Rising Star James Brown FIC............................... Chairman QS Rising Star D Tim Brown FIC................................ President QS Rising Star Patrick Brown ................................... Gold QS Rising Star Brad Bryant FICF............................... President QS Thomas Buescher FIC....................... Platinum QS Rising Star Jacky Bullock FIC.............................. QS Rising Star Brittanie Burrell FIC........................... Gold QS Jeremy Burrell FIC............................. Platinum QS Rising Star Lori Bush-Engel FIC........................... QS Rising Star Nathan Byers FIC.............................. QS Rising Star Randy Canales FICF.......................... Gold QS Suzanne Carpentier FIC..................... QS

B Shane Catlett FIC........................... QS John Cauley FIC................................. QS Jason Ceyances Sr FIC...................... Bronze Arthur Chamberlain FIC..................... Platinum QS Monty Chambers FIC......................... QS Ralph Checri FIC............................... Bronze QS Rising Star Teresa Cheatham FIC........................ Silver QS W Robin Christensen FICF................. Chairman QS Justin Claar FIC................................. Platinum QS Rickie Claar FIC................................. President QS Lathresa Clark FIC............................. QS Rising Star Ronny Clift FIC................................... Platinum QS Barbara Coats FIC............................. Gold Rising Star Harrold Cochran Jr FICF.................... President QS Paul Colasante FIC............................ President QS Ronnie Gene Cook FIC...................... Gold QS Rising Star Elizabeth Cooley FIC.......................... Rising Star Constante Corpuz FIC........................ Silver QS Brett Cropsey FIC.............................. Silver QS Teddy Cunningham FIC..................... Silver QS Christina Curtis FIC............................ QS Jonathan Dannecker FIC................... QS Rising Star Kelly Darby FIC.................................. Platinum QS Rising Star Ryan Davis FIC.................................. Chairman QS Crystal Davis-Taylor FIC..................... Bronze Rising Star Brian Denney FIC.............................. Silver QS Daren Depew FICF............................ Chairman QS Tish Dezordo-Menefee FIC................ Chairman QS Robert Dickinson FIC........................ Gold QS Martin Dodge FIC.............................. Silver QS Rising Star R David Dollar FIC............................. President QS Garrett Dowling FIC........................... Bronze QS Rising Star Robert Downey FIC............................ President QS Terry Downs FICF............................... President QS Paula Doyle FIC................................. Gold QS Randy Doyle FIC................................ QS Rising Star Steven Eaton FIC............................... Chairman QS Rising Star Jay Efird FIC....................................... Chairman QS Sean Erickson FICF........................... Gold QS Rick Erickson FIC............................... QS Rising Star L Rico Escobar FIC............................ Bronze QS Steven Estes FIC............................... QS Bernice Fish FICF.............................. President QS Frank Fleck FIC.................................. Silver QS Rising Star Charles Frauendienst FIC.................. Chairman QS Travis French FIC............................... Silver QS John Friend Jr FIC.............................. Silver QS Stewart Gates FIC............................. President QS Lascelles Gayle ................................ QS Diane Gearlds FICF, CLU, LUTCF........ President QS James Geary Jr FIC............................ Platinum QS Candice Getting FIC.......................... Silver QS Garth Gherardini FICF........................ Bronze QS Rising Star

(Modern Woodmen of America continued) Henry Graef III FIC............................. Silver QS Tina Graves FIC................................. Chairman QS Nathan Grendahl FIC........................ Silver QS Douglas Grenier FICF........................ Chairman QS Joseph Griffith III FIC......................... Chairman QS David Grisso FIC................................ Gold QS Beverly Groce FICF............................ Gold QS Andrea Groeneweg FICF.................... Silver QS Luis Guardia FIC................................ QS Lee Guerra FIC.................................. QS Nicole Hahne FIC.............................. QS Robert Hall FIC.................................. Silver QS Rising Star Richard Hall FICF............................... Silver QS Nathaniel Hamilton FIC..................... Gold QS Jeremiah Hamilton FIC...................... Gold QS David Hanson FIC............................. Silver QS Gary Harris FIC.................................. Gold QS Lawrence Hartfield FIC...................... QS Stanley Haselman FIC....................... QS Richard Hawkins II FIC...................... Gold QS Donald Haynes FIC............................ Platinum QS Ezra Hays FIC.................................... QS Lynn Henderson FIC.......................... Silver QS Janet Hill FIC..................................... Platinum QS Jeffery Hodges FIC............................. Gold QS Jason Hoffman FIC............................ Gold QS Thomas Holmes FICF, LUTCF............. Silver QS Rob Hoover ...................................... Silver QS David Horine FIC............................... Bronze QS Rising Star Jan Hortin-Ellenburg FIC.................... QS Rising Star Maria Houston FIC............................ QS Stephen Hoversten FIC...................... Bronze QS Tira Howaniec FIC............................. Silver Rising Star Douglas Hunt FIC.............................. Gold QS Nicholas Hurt FIC.............................. QS Rising Star David Janson FIC.............................. Platinum QS Bradley Jarabek FIC.......................... Silver QS Rising Star Karen Johnson FICF.......................... QS Timothy Johnson FIC......................... Bronze QS Rising Star Donald Jones FICF, LUTCF.................. President QS Jannie Jones-Wims FIC..................... Rising Star Timothy Jordan FIC............................ Gold QS Sara Karweick FIC............................. Silver QS Kevin Kello FIC.................................. Gold QS E Keith Kirkland FICF......................... QS Clinton Koen FIC............................... Gold QS Norman Kohn FIC............................. Platinum QS Steven Kramer FIC............................ Silver QS Paula Kurecka FIC............................. Platinum Rising Star Donnie Lance FICF............................ Platinum QS Landon Landry FIC............................ Gold QS Curtis Langemeier FIC....................... Platinum QS Donna Lapton FIC............................. Platinum QS Terry Laws FIC................................... Platinum QS Tony Layson FIC................................. Bronze QS Cameron Lee FIC.............................. Chairman QS Lisa Lewis FIC.................................... Platinum QS Mark List FIC..................................... Silver QS Alan Lockwood FIC............................ Gold QS Rising Star

Stacey Malde FIC.............................. Platinum QS Rising Star Ruth Malley FICF, LUTCF.................... Bronze QS Calvin Malveaux FIC.......................... QS Jonathan Marsh FIC.......................... Silver QS Charlotte Martin FIC.......................... Gold QS Thomas Martin FIC............................ Silver QS Kristin Marvel FIC.............................. Bronze Rising Star Tobin Mason FIC............................... Platinum QS David Matte FIC................................ Chairman QS Tamela Matuska FIC.......................... Rising Star Sarah May FIC................................... Gold QS Michael Mayan FIC............................ Gold QS Rising Star Marsha Mayfield FIC......................... Silver QS Patrice McCann-Koerselman FICF..... Chairman QS Randy McClendon FICF..................... Chairman QS Gregory McNeely FICF....................... President QS Jamont McRae FIC............................ Bronze QS Rising Star Retha Miller FIC................................. QS Randall Miller FICF............................ QS Lisa Minardi FICF............................... President QS Oscar Mondragon FIC....................... Silver QS Rising Star Kevin Monroe FIC.............................. Chairman QS Steven Moore FICF, LUCTF, CHFC....... Silver QS Matthew Moore FICF......................... President QS Lee Moser FIC................................... Platinum QS Rising Star Amanda Mowry FIC........................... Rising Star Wesley Moyer FICF............................. Bronze QS Josh Muche FIC................................. Platinum QS Rising Star David Mudrick FIC............................. Bronze QS Anthony Myatt FIC............................. Gold QS Rising Star Stephen Neel FICF............................ President QS Brian Nelson FIC............................... President QS Patsy Nesteby FICF............................ Gold QS Michael Norman FIC......................... Bronze QS Justin Nothem FIC............................. Bronze QS John Nye FIC..................................... Gold Joshua Oberley FIC........................... QS Douglas Olm FICF............................. Chairman QS Timothy O’Loughlin FIC...................... President QS Richard Olson FIC............................. President QS Mark Ormsby FICF............................. Bronze Ricky Ortego FICF.............................. Silver QS David Parker FICF.............................. Platinum QS Scott Paterick FICF, CLU..................... Chairman QS Joseph Pearcy FIC............................. President QS Rising Star Dale Pearson FIC.............................. Gold QS Kim Pelkey FICF................................. President QS Vivian Phan FIC................................. Platinum QS Rising Star Brendan Pheasant FIC...................... Gold QS Mark Phillips FIC............................... President QS Craig Porter FIC................................. Bronze QS Rising Star Bruce Qualls FIC............................... QS Jerry Reaves FIC................................ Gold QS

Delbert Reidhead FIC........................ QS Thomas Rickard FIC.......................... QS Rising Star Travis Risvold FIC............................... Silver QS Rising Star Larry Robbins FIC.............................. Rising Star Dannielle Roberts FIC, MDRT............ President QS Rising Star Cindy Robinson FIC........................... QS Rising Star Jesse Rodriguez FIC.......................... QS Jeffrey Rushing FIC............................ Silver QS Mark Ruzicka FIC.............................. Bronze QS Rising Star SSean Saied FIC............................... Chairman QS Taren Sartler FIC................................ President QS John Saul FIC.................................... Silver QS Susan Scarpelli FIC........................... Gold QS Jana Schoberg FIC............................ President QS Jonathan Schumm FIC...................... Rising Star Joseph Schurr FIC............................. Chairman QS E Allen Scott FIC................................ QS Robert Scovil FIC............................... Silver QS Rita Seale FIC................................... QS Rising Star Todd Selmon FIC............................... Chairman QS Christopher Senecaut FIC................. QS Michelle Sheesley FIC....................... Platinum QS Rising Star Larry Shessler FICF........................... QS Tyler Simpson FIC.............................. Platinum QS C Shawn Sisk FIC.............................. QS Craig Slepikas FIC............................. QS Rising Star Gaylin Sommers FIC.......................... President QS Rising Star Tony Southern FIC............................. President QS Mary Sowards FIC............................. Platinum QS Trena Spears FIC............................... Gold QS Rising Star Jolynne Stainbrook FIC...................... Gold QS Billy Stinson FIC................................ President QS Steven Stirts FICF.............................. Platinum QS Mark Stobaugh FIC........................... Gold QS Robert Stransky Jr FIC....................... Bronze QS Melven Sweat FIC.............................. QS Rising Star Jack Tackett FIC................................. Silver QS J Byron Taylor FIC............................... QS Ray Terzynski FIC............................... QS Michelle Terzynski FIC........................ QS James Thompson FIC........................ Bronze QS Tracy Timmerman FIC........................ Rising Star Susan Trost FIC.................................. Silver QS Rising Star J Darlene Tucker FICF........................ Bronze QS MaryAnn Tudor FIC............................ Platinum QS Chris Turner FIC................................. Gold QS Rising Star Glenn Tyler FIC................................... President QS Lawrence Vanwie Jr FIC..................... President QS Shane Vetch FIC................................ President QS Rising Star Kenneth Volkerding FIC..................... Chairman QS Lindsey Wade FICF............................ QS Lynn Walstad FIC............................... Platinum QS Lance Wampler FIc............................ Bronze QS Rising Star (Continued on page 13) 2015 Volume 10 Issue 2

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Political advocacy – effectively

Field Representatives ARE CRITICAL TO CARRYING THE FRATERNAL MESSAGE TO CAPITOL HILL

representing the best interests of its member societies and the millions of families that rely on them for their financial security – is the core mission of the American Fraternal Alliance. Member society CEOs and senior executives consistently tell us that advocacy is the most important benefit of membership in the Alliance. And we take that job seriously.

STATE ADVOCACY BY JOSEPH ANNOTTI PRESIDENT AND CEO AMERICAN FRATERNAL ALLIANCE

The Alliance utilizes a variety of tactics to accomplish its advocacy objectives. At the state level, we dedicate a significant percentage of staff resources to monitoring legislative and regulatory activity in individual states and at the National Association of Insurance Commissioners (NAIC). We pay particular attention to proposed laws and rules that may have a disparate impact on fraternals compared to other insurers. These include measures dealing with solvency standards, producer licensing, cyber security, and corporate governance. Every week the Alliance publishes Policy Pages Plus, an electronic newsletter that reports on bills and regulatory measures that have been introduced, advanced, or enacted. Of course, we do much more than track such state activity. Alliance

10 | National Association of Fraternal Insurance Counselors

staff, along with member society representatives, and, where needed, retained counsel, do everything possible to influence the outcome of proposals that may have a negative impact or impose “unintended consequences” on fraternals that may make it more difficult for them to compete in the marketplace.

FEDERAL ADVOCACY At the federal level, the Alliance focuses almost exclusively on protecting, preserving and promoting the value of the fraternal tax exemption to Members of Congress. While we are involved on other issues – most notably working with other trade groups to amend the proposed Department of Labor fiduciary standards regulatory proposal – the Alliance is the only organization whose objective is to defend the century-old exemption that allows fraternals to fulfill their unique financial and community service missions. Again, the Alliance devotes ample staff resources to federal advocacy initiatives. We also retain a full time professional lobbying firm to serve as our “eyes and ears’ on Capitol Hill and to convey our messages directly to lawmakers and – even more importantly – to the congressional staffers that compile the research on tax issues and have a major impact on the formulations of policy positions on tax reform proposals.

strength is our story – of the good works done by local groups of fraternal members in the communities in which they live and work, funded and facilitated in large part by the home offices of their societies. And our best messengers are our members – especially the dozens of fraternal executives that travel to Washington, DC every two years to meet face-to-face with members of Congress and make the case for continuing the fraternal exemption first placed in the U.S. Tax Code in 1909. In April 2015, more than 50 Alliance member society executives spent an afternoon on Capitol Hill to discuss tax reform issues with lawmakers and their staff. We focused our efforts on meetings with members of the House Ways and Means Committee and Senate Finance Committee – the two primary tax-writing groups in Congress – and received very positive feedback on our ongoing initiative to proactively tell the fraternal story to policymakers and on prospects for preservation of the tax exemption in any future tax reform debate.

THE “FRATERNAL RESOLUTION”

EVERY MEMBER TELLS A STORY

This year, we added a new arrow to our quiver of advocacy tools: a Congressional Resolution that allows Members of Congress the opportunity to go on record in support of the fraternal business model and the fraternal tax exemption.

It is important to note that the Alliance does not maintain a political action committee (PAC) in order to make financial contributions to legislators. Our

H. Con. Res. 19 – the so-called “Fraternal Resolution” – is sponsored by Rep. Erik Paulsen (D-Minn.) and Rep. Ron Kind (R-Wis.), both members of the

Ways and Means Committee. That fact alone demonstrates the bi-partisan support that fraternals have within the most important tax policy committee in Congress. The Resolution concludes by resolving that “It is the sense of Congress that: 1) The fraternal model is a successful private sector economic and social support system that helps meet needs that would otherwise go unmet; 2) The fraternal tax exemption is necessary to support the activities of the volunteer chapters within their communities; and 3) The fraternal tax exemption continues to generate significant, outsized returns to United States society and the work of fraternals should continue to be promoted. You can access the complete text of the Resolution, as well as a list of all current co-sponsors, on the Alliance’s web site – www.fraternalalliance.org. While there, you can also download three important documents that further demonstrate the value of the fraternal system and the tax exemption that allows it function. These include the Executive Summary of an academic study conducted by Professor Phil Swagel of the University of Maryland on the Economic Contributions of Fraternal Benefit Societies, the Alliance’s statement to the Senate Finance Committee on the impact of fraternals in the U.S. submitted earlier this year, and a newly designed “Fraternal Impact” postcard that highlights the major economic contributions fraternals make to

2015 Volume 10 Issue 2

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the U.S. economy. In addition, you can access individual one-page summaries of fraternals’ impact in each state.

THE CRITICAL ROLE OF FIELD REPRESENTATIVES There is no immediate threat to the fraternal exemption; we have more than a few congressional champions and even more strong supporters. But that’s no excuse to rest easy. In fact, it is all the more reason to continue our efforts to raise awareness of the invaluable contributions of the fraternal system to the U.S. economy with policymakers so that we are not “on the table” when serious debate over tax reform measures begin in earnest in 2016. To date, 58 members of the House of Representatives – including a majority of Ways and Means Committee members – have signed on as co-sponsors of the “Fraternal Resolution.” While that’s an

impressive total, our goal is to secure 100 House co-sponsors by the end of the 2016 Congressional Session. The only way we are going to accomplish this lofty goal is through a broad-based grassroots advocacy campaign that involves fraternal executives and employees, local chapter leaders, and, most importantly, field representatives. Because fraternals are domiciled in only a handful of states, the ability of home office employees to generate a large number of additional cosponsors is limited. But field representatives – who are located in virtually every congressional district, who are engaged in both the financial and community service aspects of their societies, and who are often well-recognized leaders within their hometowns – can help push us toward and past the 100 cosponsor target. The Alliance’s grassroots campaign will officially kick-off in February 2016, when members of Congress come back to Capitol Hill for the second year of the current

66th Annual Convention

12 | National Association of Fraternal Insurance Counselors

legislative session. The Alliance will be doing everything it can over the next several months to prepare its member societies to participate in the campaign. We will provide them a brief video on the history of the fraternal tax exemption and the importance of telling our story to policymakers, as well as a host of other tools they can use to communicate with local chapter leaders, rank-and-file members, and field representatives. We will also provide these materials to NAFIC for posting on their web site and distribution to their members. Now more than ever “we are all in this together” – society executives, certificate holders, and field representatives. By joining forces to tell our story to all 435 members of Congress, we can secure 100 Resolution co-sponsors and, even more important, ensure that the tax exemption that allows our business model to exist will remain in place for many more generations of fraternal members to come.

(Modern Woodmen of America continued) Kevin Watts FICF................................ QS Jane Wayer FIC.................................. Bronze QS Rising Star Michael Wehrer FIC........................... QS Robert Weisbeck FICF....................... President QS Kallene West FICF.............................. Bronze QS Stephen Wigley FIC........................... Platinum QS Rising Star Nancy Williams FIC........................... Bronze QS Rising Star Lawrence Willis FIC............................ Rising Star Chris Wolpert FICF............................. QS Gail Woodruff FICF, LUTCF.................. Gold QS Curtis Woods FIC............................... Silver QS Brandon Woolard FIC........................ Bronze QS Rising Star Carson Wooster FIC........................... President QS Ben Zimmerman FICF....................... Gold QS Josh Zoerner FIC................................ Chairman QS

Order of Sons of Hermann in Texas Member

Award

Glenford Boehme FIC........................ QS Gary Falkenberg FICF........................ QS Carol Krauss FIC................................ QS Marlin Tanneberger FIC...................... QS

Sons of Norway Member

Award

Ann Krause FIC................................. Silver QS Greg Ragan FIC................................. Gold QS

Thrivent Financial Member

Award

Chad Aaberg FIC............................... Chairman QS John Aakre FIC, CLU.......................... Chairman QS Arnold Abel FIC, LUTCF, CFP............... Chairman QS Richard Ackerman FIC, CLU, CHFC.... Chairman QS Nancy Albertson FIC, LUTCF.............. President QS Lane Albrecht FIC, CHFC.................... Chairman QS Steve Allen FIC.................................. President QS Robert Alspaugh FIC, CFP.................. Chairman QS Lauren Althaus FIC, CLU, CHFC, CFP.. Chairman QS Louis Althof FIC, CLU, CHFC, LUTC..... Chairman QS James Aman FIC, CHFC, LUTCF......... Chairman QS Paul Amundson FIC........................... Chairman QS Jason Anderson FIC........................... Gold QS Marcus Anderson FIC, CLU, CHFC...... President QS John Andrea FIC................................ Chairman QS George Andrews FIC.......................... President QS John Andrus FIC, CFP........................ President QS Dane Ankeny FIC............................... Platinum QS Rising Star Matthew Arnold FIC........................... Chairman QS

J Clark Arons FIC, CLU....................... Chairman QS Steven Asche FIC, CLU, CHFC............ Chairman QS Ryan Aschenbeck FIC........................ President QS Sarah Auernhammer FIC................... Chairman QS Jordan Austin FIC............................... Chairman QS David Auterson FIC............................ President QS Christopher Ayers FIC........................ President QS Thomas Ayotte II FIC.......................... QS Eric Baarck FIC, LUTCF...................... President QS Russell Baccaglini FIC....................... Chairman QS Daniel Bacon FIC.............................. Chairman QS Nicholas Baecker FIC........................ President QS Bartley Baer FIC, CLU, LUTCF, CFP...... Chairman QS Bradley Baer FIC, LUTCF, CFP............. Chairman QS Keith Bales FIC, CFP.......................... Chairman QS Bradlee Bame FIC............................. Gold QS Charlie Banks Jr FIC.......................... Platinum QS Larry Barcel FIC................................. Silver QS Deborah Barnard FIC........................ President QS Lori Barry FIC.................................... Gold QS David Bartsch FIC, LUTCF.................. President QS Joan Bartz FIC................................... President QS Leon Bauman FIC............................. Platinum QS Bruce Baumeister FIC, CLU, CHFC, LUTCF............................................. President QS Curtis Baumgard FIC......................... Gold QS Linda Bauwens FIC........................... Gold QS Byron Beaber FIC.............................. Platinum QS Nathan Beattie FIC............................ Silver QS Rising Star Joshua Beck FIC................................ Platinum QS Deborah Beck FIC............................. Chairman QS Rising Star Matthew Becker FIC.......................... Gold QS Jennifer Becker FIC............................ Gold QS Mark Beckman FIC............................ President QS Jeffrey Beeh FIC, CHFC...................... Chairman QS Joshua Beenders FIC........................ Chairman QS Larry Behnken FIC, CLU, CHFC, LUTCF............................................. Chairman QS Curtis Behrend FIC............................ Platinum QS Rising Star Robert Bell FIC.................................. Chairman QS Monica Bellizzi FIC, RHU, LUTCF, CLTC............................................... QS Mary Elizabeth Bellizzi FIC................. Gold QS Jesse Bennight FIC............................ President QS Christopher Benson FIC.................... President QS Christopher Bergst FIC...................... Platinum QS Keith Berman FIC.............................. Chairman QS Lorinda Bessler FIC........................... Platinum QS Robert Bevington FIC, LUTCF............. President QS Michael Bialas FIC............................ Bronze QS Kenneth Bickel FIC, CFP.................... Chairman QS Eric Bilger FIC.................................... Chairman QS Scott Bingham FIC, CLU, CHFC, CFP, RHU........................................ Chairman QS Sally Bisgard FIC............................... Bronze QS Kenneth Bittner FIC........................... Gold QS Thomas Bjerke FIC............................ Chairman QS Timothy Blandford FIC....................... Gold QS Andy Boersma FIC............................ QS Glenna Bohling FIC, LUTCF, CFP........ Chairman QS

William Bohmer FIC, CLU, CHFC, CFP................................................ Chairman QS Allison Bolger FIC.............................. Silver Rising Star Colby Bolick FIC................................ Gold QS Andrew Bolin FIC............................... Platinum QS Rising Star Gary Bond FIC................................... Chairman QS Kevin Bonine FIC, CLU, CHFC, LUTCF.Chairman QS Gary Bonner FIC................................ Platinum QS Robert Boone Jr FIC, CLU.................. Silver QS David Borchardt FIC, CLU, LUTCF, RHU............................................... Chairman QS Benjamin Borchardt FIC.................... Platinum QS Larry Borlaug FIC.............................. Gold QS Jonathan Born FIC............................. Chairman QS Shelley Born FIC................................ President QS Arlin Bornschlegl Jr FIC, CFP.............. Chairman QS Douglas Borstel FIC........................... Bronze QS Mary Jo Boswell FIC.......................... Platinum QS Kris Bougie FIC.................................. Gold QS Vance Bowersox FIC, LUTCF............... President QS Loren Boyens FICF, CLU, ChFC, LUTCF............................................. President QS Beth Boyle FIC................................... Platinum QS Brian Boyle FIC.................................. Chairman QS Timothy Bracy FIC............................. Chairman Walter Bradley FIC............................. Platinum QS Eric Brady FIC, LUTCF........................ Chairman QS Kathleen Bramlett FIC....................... President Michael Brandon FIC........................ Chairman QS Darrell Brandt FIC.............................. Chairman QS Andrew Brandt FIC............................ Platinum QS W. William Brantz FIC, LUTCF, CFP...... Chairman QS Travis Breunig FIC.............................. Platinum QS Rising Star Kelly Brickner FIC.............................. President QS Joel Brieske FIC................................. Chairman QS Adam Brinkman FIC.......................... Platinum QS Robert Briones FIC............................ QS Chad Broberg FIC.............................. Chairman QS David Brock FIC................................. QS Brian Brooks FICF, CHFC, CFP............ Chairman QS Christopher Brown FIC....................... QS David Brown FIC................................ Chairman Darcy Brown FIC, CHFC..................... President QS Patrick Brown FIC.............................. QS Thomas Bruckner FIC........................ Chairman QS Phillip Bryson FIC.............................. Bronze QS Patric Buchanan FIC.......................... President QS Mark Buckhaults FIC......................... Gold QS Nancy Buecheler FIC......................... Platinum QS Matthew Buehrer FIC........................ Chairman QS Davon Bultemeier FIC, CFP............... Chairman QS Robert Burns FIC, CHFC.................... Chairman QS Larry Burton FIC................................ Gold QS Rising Star Paul Bushman FIC............................ Gold QS Darrell Butler FIC............................... Bronze QS David Calloway FIC, CFP.................... Chairman QS Cory Campbell FIC............................ Bronze QS Timothy Campbell FIC....................... Silver QS Paul Cantrell FIC, CLU, CFP, CASL...... Chairman QS Samuel Capps FIC............................ Chairman QS (Continued on page 16) 14) 2015 Volume 10 Issue 2

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(Thrivent Financial continued) Mark Carbaugh FIC, CHFC................. President Raymond Carlisle FIC, CFP................ Chairman QS Steven Carlson FIC............................ QS Jason Carter FIC................................ Chairman QS Jeffrey Cartledge FIC.......................... Gold QS Luke Cattau FIC................................. Gold QS Paul Caylor FIC, CFP.......................... Chairman QS Hai San Chang FIC............................ Platinum QS H Frank Childs FIC, LUTCF................. Platinum QS Lee Christianson FIC......................... Platinum QS Nancy Christopher FIC...................... Gold QS Rising Star Kristina Clark FIC, ChFC..................... Gold QS Steven Clasen FIC, LUTCF.................. President QS Matthew Claus FIC............................ Chairman QS Rising Star Deborah Clausen FIC........................ President QS Bryan Clendenen FIC........................ Chairman QS James Clouser FIC............................. Gold QS Martin Cole FIC, CHFC....................... Chairman QS Matthew Collier FIC, CLU, CHFC......... Chairman QS Shad Connor FIC, CFP, LUTCF............ Chairman QS Theodore Contag FIC, LUTCF, CFP...... Chairman QS Danny Cooke FIC............................... Bronze QS Rising Star Michael Cornelius FIC....................... Gold QS Terry Cornelius FIC, CHFC.................. President QS William Cortus FIC............................. Platinum QS Michael Coughlin FIC........................ Chairman Rising Star Corey Cox FIC, CFP............................ Chairman QS Robert Cox FIC.................................. Platinum QS Griffith Crammond FIC...................... Bronze QS Matthew Crandall FIC........................ President Rising Star David Crandall FIC, LUTCF, RHU......... Chairman QS R. Jeff Crane FIC, CLU, LUTCF, CFP..... President QS Robert Curtis FIC, CFP....................... Chairman QS Michael Curtis FIC............................. President QS Robert Curtis FIC............................... Platinum QS Christopher Lee Cymbaluk FIC.......... Chairman QS Paul Dahlgren FIC, CLU, CHFC, CFP... Chairman QS Scott Darnell FIC............................... Bronze QS Sarah Davis FIC................................. Chairman QS Catherine Davis FIC, CLU................... Silver QS Glenn Deal Jr FIC, CLU, CHFC, LUTCF............................................. Platinum QS Daniel Dean FIC, CLU........................ Chairman QS Dena Degroat FIC.............................. Chairman QS John Denecke FIC, CLU, CHFC, RHU.. President QS Robert Depasquale FIC..................... President QS Linette Desart FIC.............................. Bronze QS Roger Deterding FIC.......................... Chairman QS Joel Devcich FIC, CLU, CHFC.............. Platinum QS Daniel Dickhudt FIC.......................... Chairman QS Russel Dicks FIC, LUTCF.................... President QS Debra Dieterichs FIC......................... Silver QS Rising Star Matthew Dobbins FIC........................ Platinum QS Nathan Dorner FIC............................ President QS Rising Star Brian Dostalek FIC, LUTCF................. Chairman QS John Drafall FIC, LUTCF..................... President QS 14 | National Association of Fraternal Insurance Counselors

Keith Dreger FICF, CLU, CHFC, LUTCF............................................. Platinum QS David Drewes FIC, LUTCF................... Platinum QS John Driscoll FIC................................ Silver QS Barbara Droher Kline FIC.................. President QS Kyle Duclos FIC................................. President QS Rising Star Joseph Duea FIC............................... Bronze QS Patrick Duensing FIC, LUTCF.............. Bronze QS William Duesterbeck FIC, LUTCF....... Platinum QS James Duitsman FIC, LUTCF.............. Platinum QS H. E. Durbin CFP, ChFC, CLU, FICF, MBA....................................... Chairman QS Chad Durgin FIC, CLU, CHFC, CFP..... Chairman QS Ryan Eckhardt FIC, CFP..................... Chairman Dustin Eckhardt FIC.......................... Chairman QS Jonathan Edmonds FIC..................... President QS Deanna Edwards FICF....................... Gold QS William Eggers II FIC.......................... President QS Todd Ehler FIC................................... Bronze QS Eric Eickhoff FIC, CLU, LUTCF............. President QS Sharon Eilertson FIC......................... Platinum QS Gene Elder FIC, CFP.......................... Chairman QS Ricky Elhart FIC................................. Chairman QS James Elvestrom FIC......................... Chairman QS Bruce Ensrud FIC, CLU, CHFC, CFP.... Chairman QS William Erck FIC, LUTCF..................... Chairman QS Steven Erickson FIC........................... Chairman QS Dana Erickson FIC............................. Gold QS Chad Erickson FIC............................. Gold QS Steven Esala FIC, CLU, CHFC, LUTCF............................................. Chairman QS Justin Espenson FIC.......................... President QS Robert Esposito FIC, CLU.................. Chairman QS Joshua Estreen FIC............................ Platinum QS Carl Etzler FIC.................................... Chairman QS James Everts FIC............................... Silver QS Joshua Faaborg FIC........................... President QS Rising Star Duane Faas FIC, LUTCF..................... Chairman QS Julianne Fagerstrom FIC.................... Gold QS Peter Fannin FIC................................ President QS Deidre Farrell FIC, LUTCF................... President QS Brent Fassett FIC............................... Platinum Rising Star Scot Fay FIC, LUTCF, CFP................... Chairman QS William Fecht FIC.............................. Chairman QS Kelly Fellows FIC................................ Platinum QS Christopher Fenimore FIC.................. Chairman QS Daniel Fiala LUTCF............................ Platinum QS Luke Ficken FIC................................. President QS Jackie Ficken FICF............................. Chairman QS Mark Fischer FIC, CLU, CHFC, LUTCF............................................. President QS Lawrence Fish FIC, CLU, CHFC, CFP... Gold QS Michael Fitzgerald FIC....................... Chairman QS Andrew Flanscha FIC, LUTCF............. Chairman QS Timothy Flitter FIC, LUTCF.................. Gold QS Jeremy Folland FIC............................ Chairman QS Mark Follett FIC, CLU, LUTCF, CFP...... Chairman QS Kevin Foreman FIC, CFP.................... Chairman QS Matthew Forsman FIC....................... Gold QS Donna Fosdick-Baumann FIC, CLU... President QS

Andrew Frank FIC.............................. President QS Thomas Frasher FIC.......................... QS Rising Star Jeffrey Freeman FIC, LUTCF............... Platinum QS Anthony Frei FIC................................ Gold QS Rising Star Andrew Freiberg FIC.......................... Chairman QS Arne Fremstad FIC, LUTCF................. Platinum QS Jamie French FIC, CFP....................... Chairman QS David Frick FIC.................................. Platinum QS Nicholas Friedt FIC............................ Gold QS Lon Friesth FIC, LUTCF....................... President QS James Frigstad FIC............................ Chairman QS Dean Fritz FIC.................................... Silver QS Kim Frye FIC...................................... Gold QS Leslie Fuerch FIC............................... Chairman QS Scott Fuhrman FICF, CLU, CHFC, RHU............................................... Platinum QS Cynthia Fulcher FIC........................... QS Catherine Fullerton FIC...................... President QS Eric Funk FIC..................................... Chairman QS Michael Gallagher FIC....................... Chairman James Gallegos FIC........................... Bronze QS Tim Gamrath FIC, LUTCF.................... Platinum QS Arnette Garris FIC, LUTCF.................. President QS Donald Garves FIC............................ Chairman QS Catherine Gateman FIC, CLU............ Chairman QS Ronald Gebhardt FIC........................ Platinum QS Rising Star Richard Gehring FIC.......................... Bronze QS Janet Geist FIC.................................. President QS Shelly George FIC.............................. Gold QS Bruce George FIC.............................. Platinum QS Michael Gerken FIC, CLU, CHFC, LUTCF............................................. Chairman Timothy Gerler FIC, CFP..................... Chairman Andrew Gerling FIC............................ President QS Brian Getchius FIC............................ President QS Daniel Ghirsig FIC.............................. Chairman QS Jeffrey Gilbert FIC.............................. Platinum QS James Gill FIC................................... Gold QS Todd Gillingham FIC, CLU, CHFC, CFP................................................ Chairman QS Brian Ginter FIC................................. Chairman QS Frank Gioe FIC................................... Gold QS Terry Gland FIC, LUTCF...................... Bronze QS Michael Glantz FIC, CHFC.................. Chairman QS Kevin Gleim FICF, LUTCF.................... President QS Terry Glendenning Jr FICF.................. Chairman QS Mark Gluckner FIC............................. President QS Donald Goldsmith FIC....................... Chairman QS Alexander Gonzalez FIC..................... President QS Tracy Goodrich FIC............................ Bronze QS G Gregory Goodwin FIC..................... President QS Mark Gottschalk FIC, CLU, CHFC....... President QS Lynn Grabow FIC............................... Chairman QS Jonathan Graf FIC.............................. President QS David Granner FIC, CFP..................... Chairman QS Eric Grasse FIC.................................. Chairman QS Andrew Gray FIC................................ Chairman QS Jean Greening FIC............................. Chairman QS Stephen Gregerson FIC, CFP............. Chairman QS Gary Griffin FIC, CLU, CHFC, LUTCF.... Gold QS Colin Griffin FIC................................. Platinum QS

Charles Griffiths FIC.......................... Bronze QS Sarah Groleau FIC............................. Chairman QS Mark Gronert FIC, CHFC.................... Chairman QS Paul Gronholz FIC, LUTCF.................. Chairman QS Roger Grumdahl FIC, CLU, CHFC, LUTCF............................................. Chairman Wayne Grunklee FIC.......................... President QS Mark Gugel FIC.................................. Chairman QS Ronald Guinther FIC.......................... Platinum QS Scot Guldin FIC................................. Chairman QS Steven Gundersen FIC....................... Chairman John Gunter FICF, CLU, CHFC, LUTCF.. Silver QS James Guthrie FIC............................. President QS Theodore Haar FIC, CLU, LUTCF......... Chairman QS Mitchell Haber FIC............................. President QS Jeffrey Hackler FIC............................. Platinum QS Benjamin Hale FIC............................ Chairman QS Brian Hale FIC, CLU, CHFC, CFP......... Chairman QS Dixie Hall FIC..................................... Chairman QS Rising Star Jeffrey Hall FIC................................... President QS Mark Halstensgard FIC...................... Silver QS John Halstenson FIC LUTCF............... President QS Gary Halverson FIC, LUTCF................ Platinum QS Terry Halvorson FIC, CHFC................. Chairman QS John Halweg FIC................................ Chairman QS Virgil Halweg FIC, LUTCF.................... President QS Brenda Hamer FIC............................ Silver QS Wallace Hamman FIC....................... President QS Kyle Hammerness FIC....................... Chairman QS Mark Hammes FIC............................ Chairman QS Nancy Hansen FICF, CLU, LUTCF........ Chairman QS Richard Hanson FIC.......................... Chairman QS Helen Hanson FIC............................. President QS Erik Hanson FIC................................. Gold QS Brandon Hanson FIC......................... President QS Robert Harkson FIC........................... Gold QS Mark Harms FIC, CLU........................ Chairman QS David Harrington FIC......................... Chairman QS Rick Hart FIC..................................... President QS Lisa Hartel FIC................................... QS Keith Harvey FIC, CFP........................ Chairman QS Steven Hatesohl FIC, LUTCF, CLU....... Platinum QS Jeffrey Hatlevig FIC............................ Chairman QS Larry Hawe FIC.................................. President QS James Healy FIC................................ Platinum QS Debra Hedgcoth FIC.......................... President QS Renee Hedman FIC, CFP................... Silver QS Gaylon Heetland FIC, CLU, CHFC, LUTCF............................................. Chairman QS Todd Heidelberger FIC....................... Chairman QS Daniel Heidelberger FIC.................... Platinum QS Michael Heidtbrink FIC, CHFC, LUTCF............................................. President QS David Heimsoth FIC.......................... Platinum QS James Heinrich FIC, LUTCF................ President QS Mark Hemann FIC............................. Chairman QS Ellen Henderson FIC.......................... Chairman QS Jonathan Hendrickson FIC................ Chairman QS Steven Hendry FIC............................ Platinum QS Chad Henke FIC................................ Chairman QS Jeffrey Henneman FIC....................... QS Richard Henricks FIC, CLU, CHFC...... Chairman QS

Patricia Henry FIC.............................. Gold QS David Herman FIC............................. Gold Scott Herrmann FIC.......................... Chairman Peter Hess FIC................................... Gold QS Adam Hess FIC................................. Chairman Dan Hesse FICF, CLU, CHFC, LUTCF... Chairman QS Barry Hesse FICF, LUTCF, CFP............ Chairman QS Gary Heuer FIC.................................. Chairman Robert Heyman FIC, LUTCF............... Bronze QS Victor Hildebrand FIC........................ Chairman QS Joshua Hilgenkamp FIC..................... Chairman QS Joel Hillmann FIC.............................. Chairman QS Eric Himmel FIC................................. President QS Rising Star Paul Himmelsbach FIC...................... Chairman QS Kenneth Hinrichs FIC......................... Gold QS Rodney Hinrichs FICF........................ Chairman QS Christopher Hockman FIC................. Bronze QS Dwight Hoeck FIC.............................. President QS Bruce Hoelter FIC.............................. Chairman QS Jeremy Hofer JD, FIC, CFP, ChFC......... Chairman QS Cindy Hoffman FIC............................ President QS Carson Hogan FIC............................. Platinum QS Mark Holder FIC................................ Chairman QS Rising Star Dan Hollingsworth FIC....................... Gold QS Paul Holtan FIC................................. Gold QS David Hommel FIC, CHFC.................. Chairman QS Richard Hopkins FIC.......................... Chairman QS David Hovden FIC, CLU, LUTCF.......... Chairman QS Paul Hoyem FIC................................. Platinum QS Jonathan Hoyme FIC......................... President QS Jay Huckabone FIC............................ Chairman QS Jeffrey Huenniger FIC......................... QS Matthew Huether FIC........................ Platinum QS Myles Huether FIC............................. Gold QS Matthew Hug FIC............................... Chairman QS Andrew Hughes FIC........................... Gold QS Dean Hull FIC.................................... President QS Kevin Humphreys FIC........................ Platinum QS Kenneth Huner FICF, CHFC................ Chairman QS Heidi Hunter FIC, CLU, LUTCF, CFP..... Chairman QS Jeremy Hunze FIC.............................. Gold QS James Husmann FIC, LUTCF.............. Gold QS Alan Hyatt FIC................................... Chairman QS Ronald Illsley FIC, CLU, LUTCF, CFP.... Chairman QS Timothy Ippel FIC, CLU, CHFC, CFP.... Chairman QS Mark Jackson FIC, CHFC................... Chairman QS David Jackson FIC, CLU, CHFC, LUTCF............................................. Chairman QS Stephen Jackson FIC......................... Chairman QS Eric Jacobson FIC, LUTCF.................. Chairman QS Chester Jaehnig FIC.......................... Chairman QS Gregory Jahnke FIC, CHFC, LUTCF..... Chairman Justin Jaks FIC................................... Chairman QS Debra Jans FIC.................................. President QS Christopher Janssen FIC.................... Gold QS Dennis Jaspersen FIC, LUTCF............ President QS Gary Jeffers FIC................................. Platinum QS Mark Jensen FIC, LUTCF.................... Chairman QS Kent Jensen FIC................................ Chairman QS David Jensen FIC............................... Chairman QS Karen Jeske FIC, LUTCF, FCP.............. Chairman QS

Joshua Johnson FIC.......................... Silver QS Daniel Johnson FIC........................... President QS Mark Johnson FIC.............................. President QS Eric Johnson FIC................................ President QS Jeffery Johnson FIC........................... Gold QS Wade Johnson FIC............................. Gold QS Keith Johnson FIC, CHFC, LUTCF, CASL.............................................. Chairman QS Mark Johnson FIC.............................. Chairman QS Mark Johnson FIC, CHFC, CFP........... Chairman QS Jerry Johnson FIC.............................. Chairman QS Kelly Jones FIC.................................. Chairman QS Steven Jones FIC............................... Platinum QS Myron Jordahl FIC, CLU, CFP.............. Chairman QS Dennis Julch FIC, CLU....................... Chairman QS Jason Jupiterwala FIC........................ Silver QS Ronald Jutting FIC............................. Chairman QS Dean Kaczorowski FIC....................... Chairman QS Richard Kane FIC, LUTCF................... President QS Brian Kapka FIC................................ President QS Rising Star Philip Kapp FIC................................. Chairman QS Nathan Kapp FIC.............................. Platinum QS Thomas Kasischke FIC...................... Chairman QS Heath Kaydo FIC............................... Gold QS Gary Keesling FIC.............................. Chairman QS Jeremy Keil FIC, CLU, CHFC, CFP....... Chairman QS Corbin Keller FIC, CHFC, LUTCF......... Chairman QS Bryce Kelley FIC................................ Bronze QS Matthew Kellie FIC, CLU, CHFC.......... Silver QS Patti Kelly FIC.................................... President QS Daniel Kem FIC................................. Chairman QS Kari Kibby FIC.................................... President QS Gary Kieper FIC................................. President QS Michael Kinard FIC, LUTCF............... Silver QS Terry King FIC, CFP............................ Chairman QS Richard Kirchoff FIC........................... President QS Thomas Kirkpatrick FIC, ChFC........... Chairman QS Matthew Klandrud FIC...................... President QS Gary Kleiber FIC................................ Platinum QS Rising Star Michael Klein FIC.............................. Platinum QS Robert Klein FIC................................ Bronze QS Mark Kleindienst FIC, CLU, CFP......... Chairman QS Bruce Kleindienst FIC, CLU, CHFC..... Chairman QS Robert Klock FIC............................... Chairman QS Travis Kloehn FIC............................... Chairman QS Adam Klohr FIC, CFP......................... President QS Mark Knauff FIC................................ Silver QS Melissa Knippa FIC, CLU, CHFC......... Chairman QS Derek Knoernschild FIC..................... President QS Rising Star Donald Knoernschild FIC, CLU.......... Chairman QS John Knoernschild FIC....................... Chairman QS Diane Knorr FIC................................. Platinum QS David Knowland FIC, LUTCF.............. Platinum QS Philip Knowland FIC.......................... Gold QS Rising Star Kenneth Kober FIC, LUTCF................. Bronze QS Jared Koch FIC.................................. Platinum QS Rising Star Suzanne Kocurek FIC........................ Gold QS Benjamin Koehlinger FIC................... Chairman QS (Continued on page 16) 2015 Volume 10 Issue 2

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(Thrivent Financial continued) Jeffrey Kohls FIC, CLU, CHFC.............. Chairman QS Jeffrey Kolzow FICF, LUTCF................. Chairman QS Thomas Kopatz FIC, CLU................... Gold QS Gerhardt Korn FIC, LUTCF.................. Gold QS Cathy Kostelecky FIC......................... Silver QS James Kovac FIC, LUTCF.................... Chairman QS Christopher Kraft FIC......................... Chairman QS Natalie Kratzer FIC............................. Platinum QS Cody Krause FIC................................ Gold QS Vincent Kremer FIC........................... Gold QS Jonathan Kroening FIC, CHFC............ Platinum QS Lance Kroesch FIC, CHFC, CASL........ Chairman QS Gregory Krog FIC, LUTCF.................... President QS Clark Krueger FIC, CHFC, CFP............ Chairman Gary Austin Krueger FIC.................... Platinum QS Peter Krum FIC.................................. Chairman QS Jeffrey Kube FIC................................. Chairman QS Ronald Kuczera FIC........................... Silver QS Christina Kuhn FIC............................ President QS Jerome Kulczycki FIC, CFP, MSM........ Chairman QS Raeann Kusch FIC, CLU, CFP............. Chairman Jesse Kvitek FIC................................. Chairman QS Tina Kvitek FIC................................... Silver QS William Lagrange FIC......................... Chairman QS Soren Lancaster FIC.......................... Platinum QS Stuart Langager FIC........................... Chairman QS Joshua Langholz FIC.......................... Chairman QS Jennifer Langrehr FIC......................... Bronze QS Rising Star Aaron Lanteigne FIC.......................... President QS Brett Lantz FIC................................... Gold QS Steven Larson FIC, LUTCF.................. Platinum QS Zachary Larson FIC, CFP................... Chairman QS Kent Larson FIC, CHFC...................... Chairman QS Mark Larson FIC................................ Chairman QS Robert Laukaitis FIC.......................... President QS Benjamin Laws FIC............................ Chairman QS Robert Lawson FIC............................ Chairman QS Rising Star Alison Le Cloux FIC............................ Platinum QS Paul Leapaldt FIC, CLU, CHFC, LUTCF............................................. Chairman QS Chris Leaver FIC, CHFC...................... Chairman QS Peter Lee FIC..................................... Chairman QS Donald Lee FIC, CLU, CHFC, LUTCF... President QS M Rebecca Leister FIC, CLU.............. Gold QS Paul Lekar FIC................................... President QS Roger Leonard FIC............................. Bronze QS Rustin Leonard FIC............................ President QS T Ed Lewis FIC, CLU, ChFC, LUTCF...... Gold QS Nicholas Lewis FIC............................ Chairman QS Cory Lienemann FIC.......................... Gold QS Alex Linder FIC.................................. Chairman QS Steven Lindsay FICF.......................... Platinum QS Karen Linnell FIC, LUTCF.................... Gold Stanley Little FIC............................... QS Dickson Lo FIC.................................. Gold QS Barney Loesch FIC, CLU, CHFC, CFP.. Chairman QS James Loken FIC............................... Chairman QS James Lonick FIC.............................. Platinum QS Bruce Lorenz FIC, CHFC..................... Chairman QS Daniel Lucas FIC, LUTCF.................... Silver QS Donald Ludens FICF, LUTCF............... President QS 16 | National Association of Fraternal Insurance Counselors

Timothy Lukasek FIC......................... President QS Erik Lundring FIC............................... Chairman QS Eric Lunneborg FIC............................ Gold QS Rising Star William Maar FIC, CHFC, LUTCF, CFP.Chairman QS Philip Maass FIC............................... Gold QS Brian Macho FIC............................... Chairman QS Yvonne Madson FIC, ChFC, LUTCF..... Chairman Hannah Magrum FIC......................... Silver QS Debra Maher FIC............................... Platinum QS Don Mahlen FIC................................ Platinum QS Paul Mahler FIC................................. Silver QS Lynnette Mahlke FIC, CLU, LUTCF, CFP................................................ Chairman QS Nathan Mahnke FIC.......................... President QS Cheryl Mahon FIC............................. Gold QS Christopher Mallow FIC..................... Bronze QS Joshua Malwitz FIC............................ Chairman QS Peter Manke FIC................................ Chairman QS Rising Star Michael Marone FIC, LUTCF.............. Chairman QS William Marsaglia FIC, CHFC, LUTCF............................................. Chairman QS Mary Lou Marshall FIC...................... Platinum QS John Martin FIC................................. Chairman QS Dennis Martius FIC, LUTCF................ Platinum QS William Mashke FIC, CLU, LUTCF....... Chairman QS Thomas Massnick FIC, CLU, ChFC, LUTCF............................................. President QS Ann Matheny FIC............................... Gold Jim Mayer FIC.................................... Platinum QS Kenneth McCall FIC, CHFC, CFP........ Chairman QS Bonnie McCurdy FIC.......................... Bronze QS Rising Star Joanne McDonough FIC, LUTCF, CLU................................................ Platinum QS Royce McEwen FIC............................ Silver QS Michael Mcglinsky FIC....................... President QS Brian McGraw FIC............................. Gold QS Rising Star Dennis Mears FIC.............................. Bronze QS Rising Star Robert Meaux FIC............................. Platinum QS David Meese FICF............................. President QS Paul Meier FIC................................... President QS Julie Meier FIC................................... Platinum QS Donald Meissner FIC......................... Platinum QS Pamela Mellegaard FIC, CHFC, CFP... Chairman QS Keith Mensendiek FIC....................... Platinum QS Rising Star Carl Mesecher FIC............................. President QS Neal Meseck FIC............................... Gold QS John Messerschmidt FIC................... Chairman QS William Metheny FIC......................... Chairman QS Melanie Meyer FIC, CLU.................... Chairman QS James Meyer FIC, CHFC, LUTCF......... Chairman QS Timothy Meyers FIC........................... Chairman QS Brian Michael FIC.............................. QS John Mickelsen FIC........................... President QS Colin Mildred FIC............................... Chairman QS Radley Miller FIC, LUTCF.................... President QS Don Miller FIC................................... Chairman QS Thomas Milnikel FIC.......................... Bronze QS

David Missal FIC............................... Gold QS Rising Star Timothy Mittelstadt FIC, LUTCF.......... President QS Jeremy Moe FIC................................. Platinum QS Jason Moehring FIC, LUTCF, CFP........ Chairman QS Ryan Mohrmann FIC......................... Gold QS Rising Star Matthew Molstre FIC......................... Chairman QS Cody Moody FIC................................ President QS Rising Star Everette Morgan FIC.......................... Silver QS Scott Morrow FIC, LUTCF................... Silver QS Robert Morse FIC.............................. Chairman QS Andrew Mortenson FIC...................... Chairman QS Jonathan Mueller FIC, CLU, ChFC, LUTCF............................................. Chairman QS Robert Mueller FIC............................ Platinum QS Gregory Mueller FIC........................... Bronze QS Kyle Mumpton FIC, CFP..................... Chairman QS Benjamin Munsch FIC....................... Chairman Daniel Myers FIC, CFP....................... Chairman QS Dorene Nablo FIC.............................. Silver QS Donald Neff FIC, CLU, ChFC, LUTCF... Chairman QS David Neunaber FIC,CHFC................ Chairman QS Matthew Newcomb FIC..................... Platinum Joseph Newman FIC......................... Gold QS Charles Nichols FIC, LUTCF............... Chairman QS Matthew Niederbaumer FIC.............. Chairman QS David Niederbaumer FIC, CLU, ChFC, LUTCF................................... Platinum QS Michelle Nisbet FIC........................... Platinum QS Thomas Noon FIC, LUTCF, CFP........... Chairman QS Richard North FIC.............................. Platinum QS Juan Novoa FIC................................. QS Kyle Nowadnick FIC.......................... Platinum QS Michael Nowicki FIC.......................... President QS Stephen Nowicki FIC......................... Rising Star Kurt Nygaard FIC............................... Chairman QS Paul Obermayer FIC, CHFC, CFP........ Chairman QS Zachary OBrien FIC........................... Silver QS William O’Doherty FIC....................... Chairman QS Philip Oestreich FIC........................... Silver QS Rising Star Douglas Olawsky FIC, CHFC.............. President QS Jeffrey Olinger FIC.............................. Chairman QS Benjamin Ollila FIC............................ President QS Jeffrey Olson FIC................................ Chairman QS Erich Olson FIC.................................. Chairman Matthew Olson FIC............................ Gold QS Daryl Osmus FIC............................... Chairman QS James Ott FIC.................................... Gold QS Ryan Paape FIC................................. Chairman QS Brian Pahnke FIC............................... Chairman QS Scott Parson FIC............................... President QS John Parsons FIC, CFP....................... Chairman QS David Passehl FIC............................. President QS Steven Patterson FIC......................... Chairman QS Andrea Paul FIC................................ Chairman QS Bruce Paulsrad FIC............................ President QS Keith Payden FIC............................... Platinum QS Kelly Perry FIC................................... Chairman QS Timothy Perryman FIC....................... Chairman QS Shawn Petersen FIC.......................... Chairman QS

Tyler Petersen FIC.............................. Platinum QS Mary Peterson FIC, CFP..................... Chairman QS Derek Peterson FIC, CFP.................... Chairman QS Mark Peterson FIC, ChFC................... Chairman QS Wayne Peterson FIC, CLU, ChFC, LUTCF............................................. Chairman Chad Peterson FIC, CFP.................... Chairman QS Roland Pfeiffer FIC, CLU, ChFC, LUTCF............................................. President QS Douglas Piehl FIC, LUTCF.................. Platinum QS Mark Pierce FIC, ChFC, CFP............... Chairman QS Robert Pitchford FIC.......................... Silver Jeanine Pitman FIC........................... Chairman QS Rodney Place FIC, CLU, LUTCF........... Chairman QS Michael Plooy FIC.............................. President QS David Polzin FIC, CLU........................ President QS Keith Poppitz FIC............................... Chairman QS Joshua Post FIC................................. Platinum QS Gayle Pougher FIC............................. QS Gregory Powers FIC........................... Chairman QS Katherine Powers FIC........................ President QS Jason Pratt FIC.................................. Bronze QS Joshua Pratt FIC................................ Silver QS Paul Prendergast FIC......................... Gold QS William Preuss FIC, CLU, ChFC, CASL.............................................. Chairman QS Bryan Preuss FIC, ChFC, CFP............. Chairman QS Marlin Pruismann FIC, CLU, ChFC, CFP................................................ Chairman QS Andrea Pruismann FIC...................... President QS James Quayle FIC.............................. Chairman QS Marie Rampino FIC........................... Chairman Michael Ranieri FIC........................... Platinum QS Nicholas Rasmussen FIC.................. Chairman QS Rising Star David Rasmussen FIC....................... Chairman QS Todd Readinger FIC........................... President QS Jody Reckin FIC................................. Platinum QS Stephen Reetz FIC............................. Gold QS Timothy Regan FIC............................ Chairman QS Paul Rego III FIC................................ Platinum QS Paul Reichwald FIC........................... Chairman QS Michael Reimer FIC........................... Chairman QS Timothy Rennicke FIC........................ President QS Cody Rickaway FIC............................ Chairman QS Cynthia Ringer FIC, CFP..................... Chairman QS Ross Rinkinen FIC............................. Gold QS James Riske FIC, LUTCF.................... Platinum QS Phillip Ristvedt FIC............................ Silver QS David Ritter FIC................................. Chairman QS Jeffrey Ritter FIC, LUTCF..................... Chairman QS David Roach FIC, CLU, LUTCF............ Gold QS Harry Robinson FIC, LUTCF................ President QS Jeff Rodemeyer FIC............................ President QS Gregory Roe FIC, CLU, ChFC.............. Chairman QS Greg Roemer FIC............................... Chairman QS Douglas Rogers FIC........................... President QS Jason Rogoff FIC............................... Chairman QS Jessie Rolfson FIC............................. President QS Marvin Romsland FIC........................ President QS Eric Ronsick FIC................................ QS Brendan Rorem FIC........................... Chairman QS

Travis Rose FIC.................................. Platinum QS Rising Star Troy Rosendahl FIC............................ President QS Gerald Roth FIC, CFP......................... Chairman QS Jon Roth FIC...................................... Chairman QS Herbert Rowold Jr FIC........................ Gold QS Kevin Ruebesam FIC, ChFC, LUTCF... Chairman QS Kevin Rust FIC................................... Platinum QS Paul Rye FIC, CFP.............................. Chairman QS Timothy Saeger FIC........................... President QS Gary Samuelson FIC......................... Gold QS Rising Star Matthew Sander FIC......................... Silver QS Todd Sander FIC, CLU, ChFC, LUTCF.. Chairman QS Derek Sargent FIC............................. Platinum QS William Sarkella FICF, LUTCF.............. Platinum QS Craig Satterfeal FIC........................... President QS David Saul FIC.................................. Chairman QS Bruce Saum FIC................................ Gold QS Scott Schaefer FIC, LUTCF................. Chairman QS Todd Schaffer FIC.............................. Gold QS Rising Star Andrew Schaser FIC.......................... Chairman QS Adam Schinke FIC............................. Platinum QS Mark Schlueter FIC............................ Chairman QS Bryan Schmeling FIC......................... President Nathan Schmidt FIC.......................... Chairman QS Tyson Schmidt FIC............................. Platinum Preston Schmidt FIC......................... President QS Corey Schmidt FIC, ChFC, CFP.......... Chairman QS Robert Schmiesing FIC, LUTCF.......... President QS Pamela Schott FIC............................ Chairman QS Rising Star Andrew Schrank FIC.......................... Gold QS Arthur Schroeder FIC......................... Chairman QS Michael Schuller FIC......................... Chairman QS Scott Schultz FICF, LUTCF.................. President QS Christopher Schumacher FIC............ Chairman QS Robert Schwendemann FIC, LUTCF... Platinum QS Russell Schwichtenberg FIC.............. Platinum QS Jeffrey Schwingler FIC........................ Gold QS Sean Scruggs FIC.............................. Platinum QS Joel Searfoss FIC............................... Chairman QS Matthew Sebastian FIC..................... President QS Shaun Seedhouse FIC, CLU, ChFC, CFP...................................... Chairman QS Victoria Seedhouse FIC, CLU, CFP..... Chairman QS Bruce Seidl FIC, CLU, ChFC............... Chairman QS Matthew Sell FIC............................... Platinum QS Theresa Sell FIC................................ Chairman QS Michael Senkbeil FIC, LUTCF............. Chairman QS Harvey Senn FIC, LUTCF.................... Chairman QS Max Sesing FIC................................. Platinum QS Michael Shackel FIC......................... Chairman QS Andrew Shaw FIC.............................. Bronze QS Darrell Shideler FIC, CLU, ChFC, LUTCF............................................. Chairman QS Stephanie Shields FIC, CFP............... Chairman Jeffrey Shinabery FIC, CLU, ChFC, LUTCF............................................. Chairman QS James Shuttleworth FIC, CFP............. Chairman QS Calvin Sievers FIC, LUTCF.................. Chairman QS Keith Sippola FIC.............................. Chairman QS

Daren Skonord FIC............................ President QS Jon Skov FIC...................................... President QS Adam Skumawitz FIC........................ Platinum QS Nathan Sloan FIC.............................. Chairman QS Rising Star Bryan Smith FIC................................ President QS Kurt Smith FIC................................... Platinum QS Michael Smith FIC............................. Chairman QS Nathan Smith FIC, CFP...................... Chairman QS Jonathan Smith FIC, LUTCF............... President QS Ottis Smith FIC.................................. Chairman QS Thomas Smits FIC............................. Platinum QS Anthony Spangler FIC, CLU, ChFC...... President QS Brandon Sparks FIC.......................... Chairman Gregory Sperber FIC.......................... Silver QS Ryan Spleet FIC................................. Platinum QS Rising Star Barry Springborn FIC, LUTCF, CFP...... Chairman QS Mark Stanko FIC............................... Chairman QS Eric Statler FIC.................................. Silver QS Jerrod Stearnes FIC........................... Platinum QS Keith Stechmesser CLU, ChFC, CFP... Chairman QS Michael Stecker FIC.......................... Gold QS Richard Steinbrueck FIC, CFP............ President QS Matthew Steiner FIC.......................... Silver Rising Star Julius Stender FIC............................. Chairman Michael Stensland FIC...................... Chairman QS Joe Stepanek FIC.............................. Chairman QS Roger Stevenson FIC, CLU, ChFC, LUTCF............................................. President QS Craig Stockel FIC............................... Gold QS Arlyn Stokesbary FIC......................... President QS Steven Stoller FIC.............................. Gold QS Debra Strasser FIC............................ Bronze QS Dean Straub FIC............................... President QS Walter Streuter FIC, CLU, CHFC, CLF.. Platinum QS Sheri Swackhamer FIC...................... Gold QS Elizabeth Swann FIC......................... Silver QS Donald Swanson FIC, CLU, ChFC...... Chairman QS Matthew Swarbrick FIC, CLTC, RICP, ChFC, CFP, CAP, .............................. President QS Jacqueline Szczepanski FIC.............. Gold QS Timothy Taszarek FIC......................... President Rising Star Shawn Taylor FIC, LUTCF, CFP............. Chairman QS Rory Test FIC, CLU, ChFC, CASL......... Chairman QS Craig Tharp FIC, LUTCF...................... Chairman QS Jon Theeke FIC, CFP.......................... Chairman QS David Theiss FIC................................ Bronze QS Chad Thomley FIC, CLU, CHFC, CFP... Chairman QS Douglas Thompsen FIC, CLU............. Chairman QS Lance Thompson FIC......................... Platinum QS Victoria Thorpe FIC............................ President QS Rising Star Robert Thunselle FIC, CLU................. President QS Wayne Tieman FIC, LUTCF................. Bronze QS Charles Till FIC................................... Gold QS Nicole Tilot FIC.................................. Platinum QS Alfred Todd III FIC.............................. Chairman QS Gary Tollefson FIC, LUTCF.................. Chairman QS Fredrick Tonn FIC, LUTCF.................... President QS Natalie Topham FIC........................... Gold QS Matthew Townley FIC......................... President QS (Continued on page 18) 2015 Volume 10 Issue 2

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Todd Trautmann FIC, LUTCF............... Chairman QS Carlos Travieso FIC............................ Platinum QS Kendra Troncale FIC.......................... President QS Michael Truesdell FIC........................ Chairman QS Jeffery Tveit FIC.................................. Platinum QS Bruce Tveten FIC, LUTCF.................... Platinum QS Elizabeth Tweed FIC........................... President QS Willis Uhlich FIC................................ Silver QS Tyler Uthof FIc.................................... Gold QS Darrel Uthof FIC, LUTCF..................... Chairman QS Scott Vahrenwald FIC........................ Bronze QS Barbara Van Grinsven FIC.................. Chairman QS Brian Van Hevel FIC, CFP................... Chairman QS Renae Vande Brake FIC..................... Platinum Darren Vanhevel FIC.......................... President Mark Vasel FIC................................... Chairman QS Robert Viau FIC................................. Chairman QS Marla Vickrey FIC............................... Silver QS Kim Vogel FIC, LUTCF......................... Chairman Charles Volz FIC, LUTCF, CFP.............. President QS Jerold Vomhof FIC, LUTCF.................. Chairman QS Thomas Von Seggern FIC................... Bronze QS Rising Star Daniel Voss FIC, ChFC....................... President QS Martha Vrieze Morrison FIC............... Chairman QS Robert Wagner II FIC......................... President QS Anthony Wahler FIC........................... Gold QS Jennifer Waldron FIC.......................... QS Casey Walker FIC............................... Platinum QS Michelle Walker FIC........................... Platinum QS Heather Walraven FIC........................ President QS Gary Wanamaker FIC, CLU, LUTCF..... Chairman QS Nancy Wapshott FIC, LUTCF.............. Gold QS Robert Ward FIC, ChFC...................... Chairman QS William Wedde FIC............................ Chairman QS Adam Weeman FIC, CFP................... Chairman QS Benjamin Weerts FIC......................... Chairman QS Brian Wegener FIC, LUTCF................. Chairman QS Ray Weiss FIC.................................... Chairman QS Cathleen Wenger FIC, ChFC, CFP....... President QS Dennis Werner FIC, CLU, LUTCF......... Platinum QS Martin Westen FIC............................. Chairman QS Julia Weston FIC................................ Silver QS Keith Weston FIC............................... Chairman QS Mary Wetherton FIC........................... Gold QS Scott White FIC.................................. Bronze QS Paul White FIC................................... Chairman QS Caron Whitlach FIC............................ Gold QS Holly Whittle FIC, CFP........................ President QS John Wick FIC.................................... Chairman QS Mark Wiegert FIC............................... Bronze Darlene Wieghat FIC......................... QS Theodore Wiese FIC.......................... President QS Christopher Wieting FIC..................... Platinum QS Ronald Wieting FIC, CLU, ChFC.......... Chairman QS Norbert Wilkening FIC, CLU, ChFC, CFP...................................... Chairman QS Mark Wilkins FIC................................ Rising Star Aaron Wilks FIC................................. Platinum QS Brook Williams FIC, ChFC, CASL........ Chairman QS Casey Willman FIC............................ President QS Rising Star Bret Wims FIC, ChFC......................... Chairman QS Larry Winter FIC, ChFC, LUTCF, CFP.... Chairman QS

Andrew Wintermute FIC, MSM.......... Chairman QS Brent Wohlers FIC, CLU...................... President QS Richard Wolf FIC, ChFC, LUTCF, CFP... President QS Joseph Wollersheim FIC..................... Platinum QS Keith Wood FIC.................................. Platinum QS R Drew Woodburn FIC, CLU, ChFC, LUTCF................................... Chairman QS Mark Worner FIC, CLU, ChFC, LUTCF.. President QS James Wright FIC, ChFC, LUTCF, CASL.............................................. Platinum QS Graham Wright FIC............................ Platinum QS Willis Wulf FIC, CLU, ChFC, LUTCF...... President QS Oua Xiong FIC................................... Silver QS Rising Star Paul Yancy FIC, CFP........................... President QS John Young FIC.................................. Bronze QS Steven Zenk FIC................................ Chairman QS Gary Zinter FIC.................................. Platinum QS Allen Zutz FIC, ChFC.......................... Platinum QS

Western Fraternal Life Association Member

Award

Carrie Baeten FIC.............................. Silver QS Rising Star Randall Kolarik FIC, LUTCF................ QS Randy Thayer FICF............................. QS Daniel Zeiger FICF, LUTCF.................. QS

Woman’s Life Insurance Society Member

Award

Diane Bedore FIC, CLU, LUTCF.......... President QS

WoodmenLife Member

Award

Andrew Blocher FICF, LUTCF, CRPC.... QS Rising Star Fred Bowman FICF............................ Chairman QS Gayle Causey FICF............................. Bronze Jackie Cox FICF................................. Chairman Billy Daughtry Jr FICF........................ Bronze QS Albert Emberton FICF........................ QS Richard Finnell FICF.......................... Bronze Patricia Freeman FICF....................... QS Keith Henderson FICF....................... Silver QS Charlie Henry FICF............................ President QS Patricia Istre FICF.............................. QS Tracy Johnson FICF............................ Bronze Charles Lennon FICF......................... QS Kevin Mathias FICF, LUTCF................. President QS Rising Star Selina Morgan FIC............................. Bronze QS Rising Star David Queen FICF............................. Platinum QS J Craig Smiley FICF............................ Chairman QS Jason Taylor FICF............................... Gold Marshall Warren FICF........................ QS Kenneth Widener FICF....................... Platinum QS

18 | National Association of Fraternal Insurance Counselors

National MS Society Invests $28 Million in New Research As part of a projected investment of over $52 million in 2015 alone to support research, the National MS Society has committed another $28 million to support an expected 84 new research projects and training awards. New leads being explored this spring include diet, gut bacteria, myelin repair trials, and patientcentered wellness programs. Just a few of the new cutting-edge research projects include a University of California, San Francisco-led consortium focusing on a comprehensive analysis of the gut microbiome to develop probiotic strategies for stopping progressive MS; a pilot trial at Johns Hopkins University exploring the tolerability of a diet that intermittently restricts calorie intake as a treatment for disease activity in people with MS; pre-clinical studies by a commercial firm (Bionure) to test the potential of a compound to protect the nervous system and stimulate repair of nerve-insulating myelin; and a new collaborative center at Oregon Health & Science University to research patientcentered wellness programs to improve the daily life of people with MS. “These innovative new projects add to the Society’s comprehensive efforts to stop MS, restore function and end MS forever,” notes Bruce Bebo, PhD, National MS Society’s Executive Vice President, Research. “While we fund more research than any other MS organization in the world, we also convene and empower the research community toward breakthroughs that can help people with MS live their best lives now.”

NAFIC, the NAFIC Foundation and NAFIC members contributed $24,870 to the MS Society in 2015!

SAVE $$ WITH THIS NEW NAFIC MEMBER BENEFIT The National Association of Fraternal Insurance Counselors (NAFIC) announces it has partnered with National Purchasing Partners (NPP) to offer discounts on products and services our members use every day. National Purchasing Partners is a Group Purchasing Organization owned by the non-profit Virginia Mason Medical Center in Seattle, Washington. NPP has over 100,000 member-based organizations – both public and private - that take advantage of volume group discounts. As a NAFIC member, you can choose to participate. Membership is free. There are no additional fees charged by either NAFIC or NPP. The list of available discounts changes and there are new vendors added regularly. Right now, as a NAFIC member, you can save on: • 1-800-Flowers.com Order beautiful flower arrangements for any occasion and receive 20% off your order. • Best Buy Receive top tier pricing on 150,000 items for commercial or personal use. • Club W Club W offers a wide variety of fine wines that they will ship right to your door monthly. Receive $20 off your 1st month’s order. • Expedia.com You will save an additional 10% off the already low hotel rates when you book through Expedia. • Legal Zoom Save 15% when you purchase this easy to use, online solution for everyday legal matters.

• Lifelock The leader in identity theft protection, NAFIC members will receive a 15% discount and the first 30 days free. • Pet First Insurance Take 10% off the cost of accident and health insurance for your pets. • Spy Optic.com Spy Optic is a leader in sport sunglasses. Whether you ski, surf, sail, or cycle, you can apply a 50% discount on your order from Spy Optic. • MyAutoLoan.com With MyAutoLoan. com, you can receive four separate loan offers from various lenders to buy that new car, boat, or RV. If you accept an offer, MyAutoLoan.com will throw in the “loyalty benefit” of one year roadside assistance and fuel rewards. Again, there is no charge to sign up with NPP. To do so, you need to log into www.nafic. org with your user name and password. (If you don’t remember your password, click on “Forgot My Password” and reset instructions will be emailed to you.) Once you have logged in, select “NPP Group Purchasing Discounts” under the “Member Center” option. You will be asked to create an account with NPP using your email address and a password.* Once you have created your account, you are ready to start taking advantage of the savings. *(Note: Disregard that the NPP sign-up screen says “Employees of National Association of Fraternal Insurance Counselors.” This is how their website was created. NPP is in the process of redesigning their website.)

2015 Volume 10 Issue 2

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Building Your Business with

Social Media BY KEVIN COGHLAN, PRESIDENT, & KYLE COGHLAN, SOCIAL MEDIA MANAGER, MOBILE MEDIA GROUP

H

undreds of millions of people are talking, learning and engaging through social media channels. If you don’t have a presence in social media, your company is missing what’s become a fundamental communication channel in the marketing mix. Social media has quickly become one of the best ways to reach large audiences who are hungry for information and conversation. For the typical business, having social media as a tool in the arsenal for building your business is no longer “a nice to have”. It’s a must have.

The top four arguments for using Social Media for your business: 1. Reach Building your business is centered around reaching more people. One of the strengths of social media is wide reach, and employing the use of these

20 | National Association of Fraternal Insurance Counselors

channels can help extend your brand’s presence tremendously.

• Complete your profile and ensure that it is up-to-date and consistent

2. Awareness Social media drives traffic to other corporate channels.

• Proofread everything

3. New Audiences As communication channels become more fragmented, social media helps reach new and growing audiences, as well as compliments other efforts to interact with these people.

• Be active

4. Expertise Illustrate your expertise by sharing, educating and providing relevant information to your prospects and clients. You will be building a public profile filled with helpful information that highlights the expertise you hold in your respective industry.

Basic Rules & Etiquette Know your target audience – define the age, gender and interests of your audience.

• Be human and personable • Never delete feedback

Facebook The world’s largest social network connecting friends, family and businesses Why Use Facebook To generate leads or online sales. • Driving in-store sales • Increasing online sales • Launching a new product • Building awareness – how you get

that audience to head on over to your website where they can actually do business with you.

Post Frequency 1 - 2 times per day. Minimum 4 times weekly.

Guidelines Make sure your page is properly filled out with searchable information.

What to Post • Post a diverse range of images, videos, links and text • Ask open ended questions to encourage conversation • Share useful and relevant articles to your business • Post interesting and entertaining content to users • Share your blog posts

After you’ve created your Facebook page, make sure the About section of your Page includes: • An overview of what your business has to offer; • A link to your website; • And any other information that will help prospects understand your business better. Invite existing contacts to like your page. • Check your notifications and messages daily

Pro Tip To increase engagement and fans, run an ad targeted towards your main audience.

• Like/respond to all comments • Always include a Call To Action • Include a hashtag to increase post visibility (or to appear in trending topics)

Instagram

• Make sure to @tag someone so that they receive a notification from you

A visual content sharing network mostly used on mobile or tablet devices

• Highlight or Pin your posts to the top of your page if they are important

Why use InstaGram The future of marketing is visual.

• Always try to include a photo in your post to encourage more engagement • Include apps on your page that link to your other social media pages, website and email list • Connect with customers and like minded businesses – liking pages, commenting and sharing • Schedule posts for the future to save yourself time •

Use bit.ly to shorten your links - it will be more appealing on the eyes and will provide some insights on how much traffic comes to your website from Facebook.

• Do not over edit or filter your photos – only use filters when they are needed. • Include a location tag and effective description • Tag other relevant brands and influencers • Include a Call To Action in your description e.g. “Click the link in my bio for more information” • If you share someone else’s image, make sure you credit them with “RG @____” Post Frequency Minimum 1 photo per day. Ensure you have at least a 4 hour gap between all photos. What to Post • Post your most interesting and visually appealing square images. • Use images that will help build awareness of your brand & how you would like to portray your business. • Behind the scenes shots assist with relationship building. It’s as if you are inviting your followers backstage. Pro Tip You can also share video content on Instagram!

Users value social media marketing— especially visual marketing—more highly than ever before. With InstaGram you can create original visuals and videos to engage audiences Guidelines • Make sure that your account is set to public not private • Follow, comment and like posted images related to your business • Use relevant hashtags to increase your photos reach • Use popular hashtags such as #TBT or #photooftheday or #instagood • Create your own business hashtag to encourage fans to share their photos

Twitter A micro-blogging network for messages limited to 140 characters. Why use Twitter Use Twitter search to listen to the relevant conversations that are happening and jump in where you can add value. Raise the profile of your business and increase the impact of your marketing by using Twitter to regularly communicate with 2015 Volume 10 Issue 2

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your followers. Extend your reach even further with Twitter Ads. Guidelines • Follow people in relevant industries • Retweet posts from influencers • Add comments to retweets • Keep content short and intriguing • Shorten URLs using bit.ly to encourage sharing Post Frequency Multiple times a day (approx. 6) What to Post • Share useful and relevant text, links, images and vines to start conversation Pro Tip Include hashtags in your tweet to increase visibility or to be included in trending topics.

• Include images to make it visually appealing • Don’t just try to sell products, instead tell a story or share advice • Be yourself and make sure that posts are easy to read • Ask questions to your reader to encourage engagement • Include internal and external links to drive more traffic around your website • Reach out to others in your community by commenting on posts and following other blogs Post Frequency Aim for one post a week (be realistic) What to Post • Potential post structure – lists, how-to’s, stories, reviews, FAQ, tips Pro Tip Use a Search Engine Optimization (SEO) service to choose relevant keywords and drive more traffic from search engines.

Blogging

Guidelines • Share new blog posts on other social media platforms to drive traffic. 22 | National Association of Fraternal Insurance Counselors

Post Frequency Post a few times a week. What to Post • Share updates about your company including job alerts. • Share relevant industry news • Post your blog posts Pro Tip Use LinkedIn to find relevant industry news to share on your other social media profiles.

Google+

A website for people to share stories and insights. Why Blog It helps drive new traffic to your website and works closely with search engines and social media to do that. The best business blogs answer common questions their leads and customers have. If you’re consistently creating content that’s helpful for your target customer, it’ll help establish you as an authority in their eyes. This is a particularly handy tool for Sales and Service professionals.

Guidelines • Follow and communicate with other companies and people in your industry • Ensure that your profile has a professional photo, keywords and a standout profile summary • Create a separate company page to connect to your personal profile

Is a platform for bringing all of Google together for users to enjoy.

LinkedIn A business-focused platform designed for professional networking. Why use LinkedIn LinkedIn is a social network with over 53 million users that enables you to make better use of your professional network and help the people you trust in return. It’s no secret that LinkedIn is a great place to network professionally, post and find jobs, and answer questions and build thought leadership. It is probably the most obvious way to identify influential individuals at specific organizations

Why use Google+ Google+ is a place to connect with friends and family, and explore all of your interests. Share photos, send messages, and stay in touch with the people you care about. Guidelines • Create your own Google+ Business page to connect to your personal profile • Create communities/circles to categorize who you follow and your followers • Share relevant content to different circles – including specials and VIP news

• Include hashtags to reach a larger audience • Encourage reviews on your Google+ business page • Hold your own Hangout for fans Post Frequency Post regularly – 1 time per day What to Post • Share links, photo and text posts that share relatable content to your audience Pro Tip Integrate your YouTube account with Google+ to reach a larger audience.

Pinterest boards to drive traffic to your own website and expand your reach • Use appropriate keywords, descriptions and hashtags in pins • Re-pin any relevant images or inspiration to your boards • Have a pin-it button on your website

What to Post • Share creative and visual content that represent your brand

Pinterest

Why use Pinterest Today, consumers — not marketers, not salespeople — have all the power. They can choose when to interact with you, on what channel, and on what terms. Pinterest is one of the networks that enables this consumer freedom; it’s a network users navigate based on their own interests. By being present on this site, you are taking back some of the control in your marketing by giving your potential customers a new channel to discover you. Guidelines • Create boards for different interests relevant to your business • Follow pinners and other similar businesses • Pin your own images to your

Pro Tip Embed your videos onto your website to encourage fans to watch your videos

Post Frequency Multiple times a day/week

Pro Tip Create portrait pin-worthy images to encourage sharing and click-throughs to your website.

A creative and visual photo sharing website. Pinterest is a social network that allows users to visually share, curate, and discover new interests by posting, also known as ‘pinning,’ images or videos to their own or others’ pinboards.

What to Post • Excellent quality videos that are informative or entertaining

YouTube The largest video sharing social network website in the world. Why use YouTube People watch video, and if you’re not using this medium to share at least part of your message, you’re not effectively reaching most prospects, including B2B. If your company and brand are looking for engagement, YouTube presents one of the most compelling marketing tools available. Guidelines • Subscribe to other similar channels • Like and comment on other relevant videos • Ask users a question in the video to encourage commenting • Share your videos across other social media channels Post Frequency One time a week, if possible.

Snapchat Snapchat is about sharing moments and having fun. Why use Snapchat Snapchat is a highly personalized approach to building great rapport with current and potential customers. Your business needs to be where people are paying attention. As a platform, Snapchat has the attention of 15- to 25-year-olds in America. If that’s the demographic you’re trying to reach, you need to be on Snapchat. Currently more than 20 million snaps are shared every day. Businesses are beginning to use Snapchat to promote themselves through this new short-term visual message format. Guidelines Stick to what you know surrounding your business and always keep the message positive. Post Frequency Every day What to Post Anything pertaining to your business coupons, ads, promos, etc. Keep it short and simple. Pro Tip Interact with your viewers when they send you a snap and always reply back. For more information contact: Kevin Coghlan, President Mobile Media Group [email protected] 651-492-7339 • www.tcmobilemedia.com Kyle Coghlan, Social Media Manager [email protected] 2015 Volume 10 Issue 2

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Leader News Doug Supak Named International FIC of the Year Doug is a 38-year veteran of the Knights of Columbus field force, beginning his career on January 1, 1977. Throughout his professional career, Doug has earned numerous accolades for his exemplary service to his members. Doug is a Lifetime Member of the MDRT, a recipient of both the National Quality Award and the National Sales Achievement Award, a perennial Supreme Knight’s Club qualifier, Photo: Ruth Mahon Photography and a quintessential 100 percent agent. Doug ield Agent Doug Supak of has finished above 100 percent of the the Knights of Columbus Lancer each and every year. Supak Agency in Texas was named the “International FIC of Doug is also a committed the Year” by the Fraternal Field fraternalist. In his 54 years as a Managers Association, the National Knight, Doug has served as Grand Association of Fraternal Insurance Knight, as District Deputy, and as Counselors, and the American a group chairman for over 30 years. Fraternal Alliance. Doug, who was Doug is also extremely active in his honored at the NAFIC convention community, having been a long-time in May, is the first Knights of Little League and Babe Ruth Coach, Columbus agent to receive the as well as a CCD teacher and usher prestigious award. for Sacred Heart Catholic Church.

Above all else, Doug is a committed family man, devoted to his wife Marian, his four children, his 13 grandchildren, and his eight great grandchildren. Thanks to Doug, the Supaks are a legacy family with the Knights of Columbus. Both his sons — Tom and Jody — have enjoyed long careers with the Knights. Jody is a Field Agent alongside his father, and Tom is their General Agent. Congratulations to Doug for his award, and thank you for being the epitome of what it means to be a Knights of Columbus Field Agent! Article reprinted by permission of the Knights of Columbus.

F

24 | National Association of Fraternal Insurance Counselors

As part of the International FIC of the Year Award, recipients can select a 501(c)(3) organization to be granted $1000 from the National Association of Fraternal Insurance Counselors Foundation. Doug selected Sacred Heart School as his charity of choice. The NAFIC Foundation is proud to provide Sacred Heart with their contribution.

Robert L. Cooper LUTCF, FICF is the 2015-2016 President of the National Association of Fraternal Insurance Counselors Bob has served on the NAFIC Board of Directors since May 2010 and has served in all of the Officer positions prior to becoming President. Bob has been in the insurance business since April 1977. He’s been with Modern Woodmen of America for 32 years and has been a regional director for them since 1986. He holds Security Licenses 663 and 26 and has completed the Kinder Brothers Management Training at Purdue University. Prior to his insurance career, Bob served in the army, in the infantry.

Bob’s work philosophy is clear cut: We believe in God, through him we can accomplish anything; We believe in family and what the family stands for; We believe in America, the freedom to achieve beyond your wildest dreams; We believe in Life Insurance and what it can do for our family or business due to a premature death. Through our beliefs and the fraternal history of providing community service, life insurance and retirement programs for our members; there is no better career for a new financial representative to begin his or her success path in the financial service business.

Greg Felton elected President of the Fraternal Field Managers Association Greg has more than 30 years of insurance experience. He has been an agent, manager, corporate trainer and is currently the National Sales Director for National Slovak Society/ NSS Life. Greg has served as president of his local NAIFA, National Association of Insurance and Financial Advisors chapter. Greg has also served as President of the Pittsburgh chapter of the Society of Financial Service Professionals (FSP). In addition to being the President of FFMA, Fraternal

Field Managers Association he is also serving as the President of the Fraternal Societies of Greater Pittsburgh. Greg is married, has three grown children and one grandson. He can be reached at [email protected] Greg Felton, CLU, ChFC National Sales Director National Slovak Society/NSS Life 351 Valley Brook Road McMurray, PA 15317-3337 Tel. 724-731-0094 • Fax 724-731-0146 • www.nsslife.org

Bill Moore Addresses the Texas FIC At the National Association of Fraternal Insurance Counselors (NAFIC) National Meeting in San Antonio, Texas, Bill Moore of Kinder Brothers International, addressed the Texas Chapter of the Fraternal Insurance Counselors. He shared with the group the role the Fraternal Advisor has as a business professional. He also talked about the Critical Factors

of being a Fraternal entrepreneur and how important it is in servicing the membership and generating revenue for the Societies. Bill stated, “It is critical in the low investment environment for Fraternal advisors to generate revenue for the Societies. It is a critical factor in continuing our Societies’ charitable works.” He also shared the five principles that make a successful financial advisor in today’s marketplace. Bill can be reached at [email protected]; 214-458-4154.

2015 Volume 10 Issue 2

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Sales Ideas You Can Use Today BY GREG FELTON, CLU, CHFC We all know that prospecting is the hardest part of our job. We have to be diligent and systematic in keeping names moving through whatever system you use. Sometimes an idea can trigger your thought processes. For instance if I say Hershey – you probably think chocolate. With that thought in mind here are some ideas for you to think about and hopefully this will make you think of your clients. This quick list should help you generate some sales activity. And activity or talking to clients is the key.

26 | National Association of Fraternal Insurance Counselors

1.

Capital transfer – this is an old concept that involves moving money from one low yielding asset to another. A good example would be a maturing CD. The new rate at the bank is a half of one percent but an annuity that you use is paying much more than that. Put the money in an annuity. The same concept could be used with a stock that has been stagnant for years. Cash it in and put the money in an annuity. The capital transfer concept works with any item; collectibles, antiques, etc.

2.

Call on people who have to take their first required minimum distribution (RMD) from their IRA account. Chances are if they haven’t used the money up to this point then the funds are not critical to their livelihood. They may be more receptive to using their RMD towards a life insurance plan thus creating some tax free money so their heirs can have more.

3.

If you are doing a lot of annuity/IRA work than you will want to start x-dating your clients CDs. Maybe these certificates of “disappointment”

should not be renewed when they come due. Transferring this asset to an annuity might be a much better option for your client but you need to know when that CD matures. Most banks only give their customers a 7 to 10 day window before the CD is automatically renewed. So if the CD matures on 12/1/2015, you want to be talking to them the first part of November.

4.

All of your working clients should be looking into the many benefits of a Roth IRA. Since 1998, this simple program allows for tax-free earnings and withdrawals if the account is five years old and you are age 59-1/2 or older. Under that age you could still withdraw principal and not be penalized. Learn how this program works because it is ideal for young people and for IRA conversions. Tax-deferred accounts like IRAs are great if tax rates are lower in the future but will that be the case? Tax-free proceeds in a Roth IRA just can’t be beat. At the very least your clients should open a Roth to get the five year clock running.

5.

Are you showing your clients permanent insurance? If not you better run an illustration on yourself, study it carefully and give this some serious consideration. The guaranteed cash accumulations on a permanent policy makes this a formidable asset class. Add in dividends and you have an unbeatable product returning 3, 4, 5% or more. Where else can you safely earn that kind of return today?

6.

Be sure to set up a birthday or age change file for all of your clients. You need to

touch base with them so why not on this special occasion. Many touches (this is one) leads to happy clients. Happy clients stay with you. You should also add an annual review, an anniversary card, etc.

7.

The next application you fill out – get a referral to the beneficiaries. Usually this is the children and this is an easy introduction. But the real reason you want to know the children is when there is a death. Statistics say that the majority of money paid to beneficiaries moves to another advisor at death. Part of the reason is that you are viewed as the parent’s advisor and not their advisor. Part of the reason is that you may not be well known to the children. Solve that problem now by becoming involved with everyone; insured, beneficiary, even their CPA, and attorney.

8.

It is important that parents be properly insured. But once they are there is nothing wrong with putting life insurance on children. In fact, many grandparents would be willing to pay for this life insurance. The advantages of life insurance on children are: lower cost, protects their insurability and gives them cash or loan values for future opportunities which may include college. Add in the fact that many societies offer scholarship benefits and this is a no brainer.

9.

This idea is for nonqualified annuities that are sitting there earning interest. If the money isn’t going to be used immediately and probably just left to heirs; why not move that annuity money to a single premium life insurance plan? This creates a greater estate on a tax-free

basis. Plus many annuity owners do not want their children to have to pay taxes on the gain in their tax brackets especially if they are still working. So the process would work like this; client cashes in the annuity, pays any tax on the gain (presumably the client is retired and in a low tax bracket) and uses the net proceeds to buy a single premium plan of insurance.

10.

How many of you have clients that make too much money and don’t qualify for an IRA? In this case why not have your client make a non-deductible contribution to an IRA. Then the next day convert that amount to a Roth IRA. There are no age or income limits on conversions so this can help people get those funds into a tax-free account for the future.

11.

And one bonus idea. This is a hodgepodge of things that can help you. Pass out more business cards, get involved in social media, volunteer to give speeches about topics that you know, develop an elevator speech, give of your time and get involved with charities that interest you. All of these will enhance your reputation in the community and help make you a resource of information. All of these ideas have been proven to work. The two most important things that you can do right now is (1) go and see your clients and talk to them. And (2) make sure that any of these ideas if implemented are the best choice for your client. Good selling. Greg Felton, CLU, ChFC is the National Sales Director for NSS Life near Pittsburgh, PA. Greg also has his FIC and a FICF designations. With more than 30 years in the insurance business, he started his career as an agent and later moved into various management positions. He highly recommends attending the FIC convention every year as a source of ideas, learning and camaraderie. Greg is married and has three grown children and his pride and joy - is their only grandchild, Gregory. 2015 Volume 10 Issue 2

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Congratulations TO OUR NEW FICS AND FICFS

JA N UARY 2015 DE SIGNE E S Rivera, Gabriel FIC Hoffman, Renee FIC Zabroske, John FICF Anderson, Michael FIC Bate, Larry Burns, Frank FIC Durkin, Christopher FIC Eveland, Raymond FIC Gawaldo, Jason FIC Gillig, Steven FIC Hunt, John FIC Kotlarski, Alan FIC Mendoza, William FIC Morrelly, Wayne FIC O’Rourke, Michael FIC Shock, Joseph FIC Solomon, Michael FIC Backes, Alex FIC Beltz, Jacob FIC Brown, Kaitlin FIC Castro Jr. Ricardo FIC Evans, Rebecca FIC Moser, Lee FIC Nowlin, Ryan FIC Reynolds, Joanne FIC Russell, Sandra FIC Stemp, Stacy FIC Vanderveen, Katie FIC Whittinghill, Jeffrey FIC Wiswell, John FIC Batey, Ryan FIC Brager, Bradley FIC Cantrell, Erica FIC Driscoll, Jack FIC Durward, Scott FIC Fischaber, Mary FIC Galati, Saverio FIC Holz, Gregg FIC Jared, Amy FIC Jasperson, Clint FIC

Catholic Financial Life Catholic United Financial First Catholic Slovak Ladies Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial

28 | National Association of Fraternal Insurance Counselors

Kaufman, Brent Matteson, Jackie McKinnie, Jake Sperry, Jennifer Swarr, J. Adam Wischki, Ottmar Chase, Michael Cutler, Jason Scott, Timothy

FIC FIC FIC FIC FIC FIC FIC FIC FIC

Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial WoodmenLife WoodmenLife WoodmenLife

F EBRUARY 2015 DESIG NEES Bisson, Julien Fodouop, Elvis Tebeu Lamb, Tony Urrutia, Mark Bivens, Christopher Boykin, Michael Carlton, Harold Cowan, Thomas Kaup, Joseph McAvinue, John Nelson, David Pederson, Stanley Riopel, Adam Twardowicz, John Amos, Patricia Christensen, Carmen Foust, Sandra Frazier, Dustin Gibbons, Jennifer Hagen, Michael King III, Charles Knight, Jibri Nelson, Jonathan Nungesser, Daniel Shelberg, Kaitlin Smith, Kayellen Tamas, Jeffrey Winn, Lauren Yates, Harold Zeller, Jane Brown, Tammy

FIC FIC FIC FICF FIC FIC FICF FICF FIC FIC FICF FIC FICF FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC

Knights of Columbus-Canada Knights of Columbus-Canada Knights of Columbus-Canada Catholic Order of Foresters Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America National Mutual Benefit Thrivent Financial

DeWitt, Stacia Dolan, Larry Duclos, Stacie Greening, Scott Kuehn, Luke Schwingler, Jeffrey Ziegelbein, Adam Browning, Larry Chase, Zachary Farrior, Charles Nicholson, Thomas Wright, John

FIC FIC FIC FIC FIC FIC FIC FIC FIC FICF FIC FICF

Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial WoodmenLife WoodmenLife WoodmenLife WoodmenLife WoodmenLife

M A R CH 2015 DE SIGNE E S Luczaj, Matthew Dietrich, Barbara Birla, Georr Burkitt, Michael Bush, Michael Carfine, Michael Dantes, Edward Detres-Torres, Jose Garofalo, Michael Garza, Kevin Hutek, Steven Martinez, Christopher Miller, Christopher Phelps Jr., Michael Rinehart, James Scholz, Michael Terwilliger, Raymond Gottwalt, Melissa Minter, Terri Prakash, Vineeta Price, Jacob Badenhop, Caitlyn Bakker, Paul Bixler, Troy Carlson, Steven Fultz, Erica Groleau, Jonathan Hanson, Gregory Hunt, Donald Jean, Andrea Knauff, Mark Rueber, Joel West, Kade Currie Donna Curtis, Janna De Luna, Issac

FICF FIC FIC FICF FICF FIC FIC FIC FIC FIC FIC FIC FICF FICF FIC FICF FIC FICF FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC

Catholic Financial Life Catholic Life Insurance Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial WoodmenLife WoodmenLife WoodmenLife

Morgan, Eric Sanders, Sholanda Stowers, Johnny Witherington, Delissa

FIC FIC FIC FIC

WoodmenLife WoodmenLife WoodmenLife WoodmenLife

APRIL 2015 DESIG NEES Draheim, Gary Fritzemeier, Jay Biswas, Sanjay Bliss, Anthony Clark, Damien Deakin, Jon Geaghan, Jeffrey Roemer, Michael Shrum, Loy Sneller, Ronald Wasielewski, Michael Welker, John Wilde, Michael Hoggle, Brian Johnson, Jeremy McCrea, Eric Obest, Jonathan Pelfrey, Jerry Ricks, Morgan Weinhoffer, Deanna Bosetski, Tera Brademeyer, Katie Brock, David Coleman, Whitney Davis, Keith Jean, Andrea Keith, Marcella LaPan, Chase Nielsen, Amy Venenga-Whipple, Heather Weston, Margaret Swett, James West, Mary Winters, Paul

FICF FIC FIC FIC FIC FIC FICF FIC FIC FIC FIC FICF FICF FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC

Catholic Financial Life Catholic United Financial Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial WoodmenLife WoodmenLife WoodmenLife

MAY 2015 DESIG NEES Adams, Jason Dantes, Edward Giulani, David Grayeske, Joseph Ley, Michael Muto, Michael Racher, Joseph Ruffo, John

FIC FICF FIC FICF FIC FICF FICF FIC

Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus 2015 Volume 10 Issue 2

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Thomas, Gregory Vedros, Gerard Williams, Shawn Wimer, Pete Ayres, Tyler Backes, Alex Dennis, Felice Markus, Joshua Miller, Ashley Neas, Lisa Smith, Meredith Sutton, Steve Delaney, Derek Frye, Kimberly Fuller, Joshua Kosik, Deniser Lonbeck, Diana Michielsen, Neil Powell, Heather Robinson, Chad Statler, Eric Wright, Jacob Dixon, Carol Smith, Andres Wetzel, Wade Young, Joel Coleman, Huntre

FIC FIC FIC FIC FIC FICF FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FPC FIC FIC FIC FIC FIC FIC FIC FICF

Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial WoodmenLife WoodmenLife WoodmenLife WoodmenLife WoodmenLife

J U N E 2015 D E SIGNE E S Chopp, Margarte Cruner, Stephanie Albers, Matthew Coulter, Clinton Dossou, Anicet Herricks, Dennis Mccormick, Henry Meyer, Tyler Pataki, Theodore Negron, Carrie Paul, Robert Sanford, Jayme Stice, Mark White, Louis Bowling, Ryan DiPaola, Dean Foote, J. Blake Paradis, Laurie Ripperger, Joe Schwartz, David Silva, Marie

FIC FIC FIC FIC FIC FIC FICF FICF FICF FIC FICF FICF FIC FIC FIC FIC FIC FIC FIC FIC FIC

Catholic United Financial Catholic United Financial Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America

30 | National Association of Fraternal Insurance Counselors

Slaton, Timmy Threets, Tytorrial Troxell-Hulver, Donna Wrenn, Jennifer Christiansen, Wayne Deutsch, Steven Ghelardi, Michael Hamlen, Sarah Hendrickson, Connie Hesse, Kip Kapler, Peter Louder, Ronnie Maddox, Adam Overby, Sarah VanHevel, Eric Flowers, Joe Gonzalez, Baldemar Smith, Teresa Stoner, Lisa

FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC

Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial WoodmenLife WoodmenLife WoodmenLife WoodmenLife

J U LY 2015 DESIG NEES Negron, Carrie Montalbano, Joseph Lloyd, Daniel Cruz, Arturo Bourne, Allen Brogowski, Matthew Delgado, Florentino Ferrante, Michael Hayes, George Henke, Robert Lynch, Matthew Marcel, Matthew Melancon, Stephen Meyer, Bruce Oconnell, James Perry, Walter Pineda, Antonio Snyder Jr, Donald Terwilliger, Raymond York, Michael Zamudio, Richard Agnew, Helen Coleman, Julie Digennaro, Brian Ehlen, Ronald Hill, Lucas Jackson, Charles Kelly, Joshua Lilley, Thomas

FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FICF FIC FICF FIC FIC FICF FIC FIC FIC FICF FIC FIC FIC FIC FIC FIC FIC FIC FIC

Knights of Columbus CSA Fraternal Life Catholic Financial Life Catholic United Financial Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America

Lubbers, Justin Moody, Michael Nelson, Jonathan Schurz, Jay Stapleford, Matthew Passehl, Brian Becker, Ryan Eberle, John Lauritsen, Jennifer Merkau, Jeremaih Powers, Dawn Remmel, Cory Sehloff, Jeremy Simons, Luke Stone, Adam Studer, Thomas Cannon, Kimberly West, Michael

FIC FIC Fic FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FICF

Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America National Mutual Benefit Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial WoodmenLife WoodmenLife

AU G U ST 2015 DE SIGNE E S Henderson, John Carlson, Philip Faust, Sidney Herman, Joel Lohnes, Scott Maly, Blake Manuel, Keith Mayer, Gary McKnett, Mark Moore, Thomas Ricci, Frank Sanchez, Alfred Carroll, Guy Cooley, Elizabeth Egger, Robin Hewitt, Robert Larson, Tyler Naylor, Veronica Perry, Cathy Speer, Kevin Tealer, Brenda Bremer, Jonathan Dieckman, Michael Erickson, Luke Hudge, Shannon Hudge, Thomas Kapp, Nathan Kerner, Jason Torgerud, Shanon Ziefelhofer, Brady

FIC FICF FICF FIC FIC FIC FIC FIC FIC FIC FIC FICF FIC FICF FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC

Catholic United Financial Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial

Fuentes, Marco Gonzales, Daniel Herrera, Kaci Lett, Jammie Newburn, Joel Savage, Kyle Winters, Paul

FIC FIC FIC FIC FIC FIC FIC

WoodmenLife WoodmenLife WoodmenLife WoodmenLife WoodmenLife WoodmenLife WoodmenLife

SEPTEMBER 2015 DESIG NEES Brenes, Roberto Murphy, James Blevins, Amy Hill, Debra Pappas, James Slattery, Raphael Cabirac, Daniel Garretson, Andrew Gordon, Robert Kavaliauskas, Robert Keene, William Weiler, Lorne Jewett, Gary Lacey, Matthew Pecoraro, Vincent Preda, Ryan Snow, Troy Soler, Hector Dias, Andrei Abed, Wade Brainerd, Kemberlea Causey, Tammy Connolly, Karen Fowler, Blake Garcia, Christopher Salindo, Eden Sommers, Eric Spoerl, Jane Thomas, Robert Webb, Katie Werhane, Fritz Altermatt, Devory Anderson, Anne Compton, Brittany Coombs, Tracy De Calonne, Liana Eick, Robert Glenn, Matt Halvorson, Steven Hunt, David Julch, Adam

FIC FIC FIC FIC FICF FIC FICF FICF FIC FIC FICF FIC FIC FIC FICF FIC FICF FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC

Knights of Columbus Knights of Columbus Catholic Financial Life Catholic Financial Life Catholic Order of Foresters Catholic United Financial Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial

2015 Volume 10 Issue 2

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Knoepfle, Melanie Logan, Ross Maly, Penny Steward, Brian Culbertson, Ronnie Holland, Stephen Holland, Stephen Jackson, Phil Rives, Beverly Roeber, Cathy Womack, Beth

FIC FIC FIC FIC FICF FIC FICF FICF FIC FIC FIC

Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial WoodmenLife WoodmenLife WoodmenLife WoodmenLife WoodmenLife WoodmenLife WoodmenLife

O C TO B E R 2015 DE SIGNE E S Cossette, Roger Spence, Timothy Noonan, John Lueneberg, Kari Adams, Glenn Dever, Brian Dossou, Anicet Fernandez, Raul Ferrante, Michael Harrington, Thomas Harrington, Thomas Hernandez, Chris Leonardo, Robert Long, Brian Loper, Vincent Lupton, Daniel Monaco, Robert Murphy, Derrell Naratil, Stephen Palenque, Luis Pourier, Brandon SANFORD, JAYME Shows, Chris Clauser, M. Matthew Green, Nancy Gagne, Paul Knoll, Sandra McCarter, Anthony Walker, Eric Walker, Chad Vietti, James Veach, Christopher Tran, Ngoc Trinh Zhu, Jefferey Wiltshire, Blaine Amundson, Jeffrey Binsfeld, Janelle

FIC FIC FIC FIC FIC FIC FICF FICF FICF FICF FIC FIC FIC FIC FIC FIC FICF FIC FIC FIC FICF FICF FIC FIC FIC FIC FIC FIC FIC FIC FIC FICF FIC FIC FIC FIC FIC

Knights of Columbus Knights of Columbus Knights of Columbus Catholic Financial Life Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Knights of Columbus Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Modern Woodmen of America Thrivent Financial Thrivent Financial

32 | National Association of Fraternal Insurance Counselors

Braekkan, Chanelle Cerniglia, Robert Dean, Paul Eggleston, Stacey Heyer, Fred Hunt, David Mackov, Linda Neely, Connie Reidenbach, Linda Russ, Matthew Senkbeil, Lisa Simon, Paula Switzer, Andrew Valinote, Mark Cruz, Samantha Hadsock, Kelly Ramirez, Emmanuel Robertson, Karen Sparkman, Christopher Watson, Cameron Wetzel, Wade

FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FIC FICF

Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial Thrivent Financial WoodmenLife WoodmenLife WoodmenLife WoodmenLife WoodmenLife WoodmenLife WoodmenLife

Congratulations!

As new designees, you are eligible to be NAFIC members. For the $95 annual membership, NAFIC provides numerous benefits that greatly exceed your investment. Whether participating in a Kinder Brothers teleseminar or taking a CE class or participating in the national convention, you’ll kick-start your career by being a NAFIC member! For a full list of Member Benefits, see page 34. To become a NAFIC member, go to our website at www.nafic.org.

NAFIC Chapter Contacts As a NAFIC member, your dues help support a local chapter. Here is a list of our local Chapters and their contacts. If you want to become involved and learn what’s happening in your Chapter, contact these individuals. CALIFORNIA CHAPTER Olga Bove, FIC Phone: 408-398-6768       COLORADO-WYOMING-UTAH CHAPTER Thomas Dorr, FIC Phone: 303-649-6924       FLORIDA STATE CHAPTER Mark Blanton, FICF Phone:  352-796-6605       ILLINOIS STATE CHAPTER Jim Reincke, FIC  Phone:  618-740-4169        INDIANA STATE CHAPTER John Becker, FICF Phone: 260-415-3458        IOWA STATE CHAPTER Janet Woods, FIC Phone: 319-327-0244        KANSAS STATE CHAPTER Dale Pearson, FIC Phone: 785-242-6566       KENTUCKY STATE CHAPTER Mark Hehman, FIC Phone:  859-468-4019        MICHIGAN STATE CHAPTER Robert L. Bielenda, FICF Phone: 313-592-8510    

MINNESOTA STATE CHAPTER Patsy Nesteby, FIC Phone: 651-388-1640        MISSISSIPPI STATE CHAPTER Brad Ligon, FIC Phone:  662-489-7888 MISSOURI STATE CHAPTER Randy Rainwater, FICF Phone:  573-701-0163      NEW ENGLAND CHAPTER (CT, MA, ME, NH, RI, VT) Normand St Laurent, FIC Phone: 401-769-8100      NEW JERSEY STATE CHAPTER Robert Karaczun, FIC Phone: 732-845-4933        NEW YORK STATE CHAPTER Raymond Bejnart, FICF ,CSA Phone: 914-472-7848 NORTH CAROLINA Jay Faucette, FIC Phone: 919-463-0055       NORTH DAKOTA-MONTANAMANITOBA CHAPTER Lyle Berndt, FIC Phone: 701-225-0857        OHIO STATE CHAPTER Vicki Grau, FIC Phone: 513-759-6159             

PENNSYLVANIA ST CHAPTER Tony Flaynik, FIC Phone:  717-774-5000     SOUTH CAROLINA CHAPTER Chris Henson, FIC Phone: 803-727-2272        SOUTH DAKOTA STATE CHAPTER Myles Huether, FIC Phone: 605-399-9373  TENNESSEE STATE CHAPTER Thomas Dalley, FIC  Phone: 615-227-7320   TEXAS STATE CHAPTER Janet M. Friesenhahn Phone: 210-828-9921      VIRGINIA STATE CHAPTER Steve Bishop, FIC Phone:  540-562-0824       WASHINGTON STATE CHAPTER Bill Pratt,FIC Phone: 253-770-6019   WEST VIRGINIA STATE CHAPTER Steve Strait, FIC Phone: 304-669-4823        WISCONSIN STATE CHAPTER Fred Graves, FIC, CLU Phone: 608-833-1936 

2015 Volume 10 Issue 2

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Benefits of Membership

It’s time to renew your NAFIC membership! If your Society submits your dues – be sure you complete whatever paperwork is necessary or respond to any emails so your dues are paid for 2016.

If you pay your dues directly – it’s simple and easy... 1. Log into www.nafic.org 2. Sign in using your username and password. (If you’ve forgotten your password, simply enter anything and then click on forgot my password and it will email you directions.) 3. Click on membership renewal and follow the directions. 4. You can pay by credit card online or send a check.

If you’re a NEW member – just click on New Member on the home page and follow the directions. If you have any problems, contact [email protected] or call 866-478-3880.

34 | National Association of Fraternal Insurance Counselors

1. FIC Perspective. This member magazine offers inspiration, motivation, recognition and sales ideas that will benefit your business. Learn the latest of what's happening in NAFIC. 2. Continuing Education Credits. Paid members receive a free subscription to Sandikruise.com, a $39.95 value. CE is available for every state. State fees may still apply. Members also qualify for CE discounts through other providers like Kaplan Financial Education and Kinder Brothers International. 3. Virtual Sales Assistant Library. This online sales helper offers sales presentations, current tax information, sample letters, underwriting helps, and sales tips. Access to this $17.95/month value is included for all current NAFIC members. 4. Annual Convention. This unique gathering, held at some of the nation's best convention locales, provides fraternal fellowship, inspiration, motivation and business savvy from the industry's best. 5. State Chapter Meetings. State chapters offer FICs a wealth of opportunities for local networking, fellowship, idea-sharing and continuing education. 6. Professional Recognition. The NAFIC annually presents awards recognizing excellence in production and persistency in the field of fraternal life insurance. 7. Higher Educational Standards. The NAFIC supports the development and promotion of the FIC and FICF designations to improve the quality of field personnel in fraternal benefit societies. 8. Approved MDRT Association. You may use your membership in the NAFIC to satisfy the professional association requirement of the Million Dollar Round Table. 9. Group Purchasing through National Purchasing Partners. Watch the Perspective and the website for updates on buying opportunities available through your NAFIC membership from NPP. 10. Teleseminars. NAFIC sponsors six Kinder Brothers International fraternal teleseminars throughout the year in partne rship with the Fraternal Field Managers Association. Call-in or listen when its convenient from the recorded call on the NAFIC website at www.nafic.org

2015 Volume 10 Issue 2

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National Association of Fraternal Insurance Counselors 211 Canal Rd., Waterloo, Wisconsin 53594

66th Annual Convention

MAY 11 – 13 • CHARLESTON, SC

PRSRT STD US Postage PAID Merrill WI 54452 Permit No 24