Articles:

ProCare Approvals
A special mailing regarding ProCare Medicare Supplement rate approvals for new business and renewals has been mailed to General Agents in Pennsylvania and Washington.

Check your state(s) ProCare rate memo for complete effective date information and cut-off dates for business written with old rates. If you did not receive this notice, please contact the Agent Service Center at 800-925-7355.

FLEXGUARD Rate Approvals
A special mailing regarding FLEXGUARD rate approvals for individual and UAatWork new business and renewals has been mailed to General Agents in the District of Columbia.

Check your state(s) FLEXGUARD rate memo for complete effective date information and cut-off dates for business written with old rates. If you did not receive this notice, please contact the Agent Service Center at 800-925-7355.

FLEXGUARD Product Approvals
UA’s FLEXGUARD health policy for individual and worksite distribution is now approved for sale in Maryland and Virginia. A special mailing including supplies has been sent to Agents working in these states. For additional supplies, please contact Agent Supply.

Attn: Louisiana, New Mexico,
Nevada Agents
UA is giving refunds and/or premium credits to policyholders in LA, NM and NV who were issued a ProCare Plan F, Disability Plan F, or High Deductible Plan F policy through December 31, 2005. Depending on the state and year of issue, most policyholders will receive two to three months premium credit while some policyholders will receive a refund. If the policyholder received a premium credit, no commission will be paid during this waiver period as the Company is not collecting premium.

Interest Rates Set
The Lifestyle Annuity new money interest rate for the month of July is 4.50 percent. Rates will continue to be reviewed and adjusted accordingly. The Deposit Fund Rider new business interest rate for 2006 has been set at 3.00 percent.

UA Customer Service is Tops!
Good customer service is practically a thing of the past, but here at United American we pride ourselves on the personal attention and signature service we provide to each of our policyholders. Sometimes, that can be a bit of a surprise in this day and age. A representative from UA’s Customer Service Center tells the following story:

Here is the information on a customer call I took a little while ago. The insured called and was so used to using automated systems at large companies that, when I answered the phone that day, this is how the call went...

Me: ‘United American, may I have your policy
number please?’

Insured: ‘Beep, beep, beep.’ She was punching in her policy number on the telephone key pad.

Me: ‘Hello, this is customer service, may I please have
your policy number?’

Insured: ‘Beep,
beep, beep.’

Me: ‘Ma’am, this is a live person, and I need your
policy number.’

Insured: ‘Beep,
beep, beep.’

Me: ‘Ma’am, please don’t push any buttons on the phone. My name in Tanya. What is your name?’

Finally, she realized I was not an automated response and gave me her information and request. The insured told me she was so accustomed to using an automated system that she could not believe that United American had a real, live person answering the phone!

Reminder About Summit
Summit magazine is published monthly by UA/First UA for the dissemination of information to its Agents. It is not intended as advertising material. Permission must be obtained from United American for reproduction or other use of the material herein. Please log on to www.uageneralagency.com/office or
www.firstunitedamerican.com/office to view the most current Advertising Guidelines.