by Pat Saltsman, CLTC
Greetings to all.
What a whirlwind first few months as State
President. It has all been very good and rewarding which has
made it an enjoyable time.
To recap the last three months:
One of my goals is for every local
association and the state to receive the BOBO award and so I am
trying to make it as easy as possible for that to be
accomplished for all. To help each association, a template was
e mailed to each president as to what has to be done for their
association to achieve the BOBO award status. One of those
requirements is holding ALC meetings. Realizing that everyone
is very busy and to save time and expense of traveling we held
our ALC’s for Membership, Professional Development, APIC, IFAPAC
and Government Relations via conference calls. Those were held
in July and August.
Monthly calls are held with all the
association presidents so we can communicate with one another
and share ideas. If anyone has ideas they would like us to
discuss, please contact your president.
One of the perks of being state president
is being invited to speak at local associations meeting. So far
I have had the privilege of speaking at Minot, Grand Forks and
Fargo and am scheduled for the others. Thank you for allowing
me to visit. Out of those association meetings we have signed
up 4 new NAIFA members. So we are on our way!!!
There were 6 of us attending the National
Convention in Washington DC. I was a bit hesitant flying to the
Capitol City as it was the weekend of the 10th
anniversary of 911 but all was well. The Hotel we stayed at had
security placed in various areas so I felt very safe. It was
just different having to show your room key to security guards
standing at the elevator. But we all were fine and had a great
The convention was filled with superb
keynote speakers i.e Colin Powell, Keni Thomas (who was involved
in the Black Hawk Down in Somolia in 1993) and Chief Richard
Picciotto from the NYFD who was in the North Tower when it
collapsed. Beyond those speakers, we had educational workshops
filled with ideas and material but the best part was the
advocacy aspect and what is going on in Washington.
If you don’t think that membership is
important or that our voice counts then you need to start
reading the Gov. Alerts. The Class Act has been shelved
(Whew!!! Good move.) and that the Dept of Labor announced they
are going to withdraw their current proposal to redefine “
fiduciary”. That came after 1,000 NAIFA members met with nearly
400 Congressional offices during the National convention. It
isn’t about us, it is about our clients. We need to continue to
be advocates for them. To have a louder voice we need members
so please recruit and show them that their career depends on
their involvement even if it just means paying dues.
Please save the date – May 2-4, 2012 for
the State Convention in Grand Forks.
If you have any questions, concerns or
ideas please don’t hesitate to call or e mail as I am open to
listening. This is your association and career and we are all
in this together.
Make it a great year!!!
says it all: College SAVE 529
college doesn’t just happen. It should be part of
your clients’ overall financial plans. College
SAVE is the tax-advantaged, flexible way to
invest today in children’s (or grandchildren’s)
future education. Choose from age-based portfolios
or design your own customized investment strategy.
or call 1.866.SAVE.529.
Just remember our name:
If your client is not a North Dakota taxpayer,
consider before investing whether their or the
designated beneficiary’s home state offers any state
tax or other benefits that are only available for
investments in such state’s qualified tuition
For more information about North
Dakota’s College SAVE Plan, call 1-866-SAVE-529
(1-866-728-3529), or visit www.collegesave4u.com to
obtain a Plan Disclosure Statement. Investment
objectives, risks, charges, expenses, and other
important information are included in the Plan
Disclosure Statement; read and consider it carefully
before investing. Upromise Investments, Inc.,
Distributor and Underwriter.
College SAVE Plan is a 529 Plan established by the
State of North Dakota. Bank of North Dakota acts as
trustee of the College SAVE Trust and is responsible
for administering the Plan. Upromise Investments,
Inc. and Upromise Investment Advisors, LLC serve as
the Plan Manager and Recordkeeping and Servicing
Agent, respectively, with overall responsibility for
the day-to-day operations, including marketing and
distribution of the Plan. The Vanguard Group, Inc.,
provides underlying investments for the Plan. The
Plan’s Portfolios, although they invest in mutual
funds, are not mutual funds. Units of the Portfolios
are municipal fund securities and the value of units
will vary with market conditions.
Investment returns are not guaranteed, and you could
lose money by investing in the Plan.
Not FDIC Insured. No
Bank, State, or Federal Guarantee. May Lose
NAIFA-ND 2012 State Convention
Do you cautiously step in to test the water
or head straight for the diving board??
By attending our “Life Guards
on Duty” NAIFA-ND Convention at the Ramada Inn in Grand Forks
May 2nd to the 4th, 2012 we will provide the tools to
help you stay afloat of your business in these sinking times.
NAIFA - North Valley (Grand
Forks) is working hard to get you a lineup of speakers that will
take you from a cautious step to the mighty cannonball. So get
your suits ready, mark the dates and get ready to bring home the
[back to top]
- North Valley
by Shari Hanson,
The NAIFA-North Valley association is
hosting the Insurance Commissioner Forum which will provide CE
credits. The Forum will be held on Monday, October 10th
1:30-4:30 at the Hilton Garden Inn in Grand Forks. Our September
meeting we were delighted to have Pat Saltsman talk to us about
her trip to the National Convention and provide CE credit for
us. We continue working on our plans for the convention in
May. We hope to see you at the Forum.
by Phil Haug, President
We had our first meeting
and had Pat Saltsman speak to us about the importance of what it
means to be a NAIFA member. Our group is excited on 2011-12 and
are set on growing our membership numbers this year. More than
ever it is important to be an active Advisory. As Pat says, "If
you aren't at the table, you are on the menu." Fargo/Moorhead
local is making strides to have membership recruitments and
IFAPAC drives as this upcoming year may be one of the most
important in our history. We do not want to be on the
sidelines, but we want to be in the game. Leaders are among us
and leaders are always looking for opportunities to shape our
is the year of the Advisor
NAIFA – Missouri Slope
by John Power, President
MSAIFA meets the third Monday of each
month at the Bismarck Elks club with lunch beginning @ 11:30am.
In our summer and September board meetings we worked on filling
our slate of monthly speakers and meeting sponsors. We still
have a couple openings but I think we’re off to a good start on
filling those slots. At our September meeting we decided to
participate in the National Membership Campaign. I’d encourage
all of the chapters to consider this Campaign as it seems to
consist mostly of things we do anyway…we just have to formalize
and document activities a bit more than we maybe usually do.
Have a great fall!
NAIFA – Minot
by Jim Simons, President
The Minot Association is off to a great
start. We invited Pat Saltsman to attend our September
membership meeting and she gave an outstanding presentation on
the history of NAIFA. She also conducted 4 hours of CE on
Partnership Training. Thanks Pat. Our board is up and running
and we are looking forward to a great year. We are starting a
YAT program headed by Kevin Burckhard. The YATs will meet one
hour before our regular membership meeting where they will get
some super training. In October we host our Annual Legislative
Forum where members of our State Legislature come and speak with
the members. This year we have invited the staffs of our
Congressmen to attend as well. We are looking forward to a
[back to top]
Reminders and Expectations for Medicare Advantage & Medicare
Prescription Drug Plans for 2011/2012:
Marketing of the 2012 Medicare Advantage and Medicare
Prescription Drug plans has already started, and starting this
year, open enrollment begins and ends earlier, October
15-December 7, 2011. During this time, members can change their
Medicare health Plan or prescription drug coverage for 2012. The
following reminders will help ensure agents/brokers have a safe
and compliant marketing environment.
Proactively take measures to protect Medicare members by
ensuring that members are not misled. Special attention should
be focused on vulnerable members and beneficiaries impacted by
your organization does not employ any type of pressure tactic
that requires Medicare beneficiaries to provide their contact or
personal information at marketing sales events or when they are
calling for general information.
your organization provides clear and accurate information
related to your product’s drug benefit, including information
related to costs, plan formularies, and the coverage gap.
Appointments that are scheduled with a beneficiary, regardless
of the intent, are considered sales appointments and must comply
with the requirements specified in section 70.9 of the Medicare
Marketing Guidelines regarding individual appointments. You may
provide educational content in addition to plan specific
information during an individual appointment.
than the CMS Online Enrollment Center, the only online
enrollment mechanism that you may make available is via the plan
If you have questions, you are advised to contact the plan with
which you work. Below are helpful Medicare links.
Final 2012 Medicare Marketing Guidelines may be viewed at
for MA plans under Part C and PDPs under Part D plans may be
The final rule
implementing MIPPA marketing requirements (Final Marketing
Provisions 4131-F) may be viewed at
Sheets with more information on each rule may be viewed at
Care Reform Review Committee
by Norbert Mayer
Health Care Reform Review Committee will hold one more meeting,
on October 20-21, before the Special Legislative Session which
begins on November 7th.
plan amendments approved at their October 6th meeting include
the following items of interest and concern for us:
1. There is to be one insurance agent/broker on the Health Care
2. The Board is to set up their own procedures for dealing with
any decisions to be made where a Board Member may have a
conflict of interest.
3. There is to be one insurance agent/broker on the Health Care
Exchange Advisory Committee.
4. Chairman Keiser and Representative Kasper presented a
proposal where there would be one navigator to provide for the
promotion, education and to facilitate enrollment in Health Care
Exchange approved plans. If this proposal works insurance
agents would not be designated as navigators, but would be the
only ones able to enroll consumers in Health Care Plans offered
either inside or outside of the exchange.
This proposal will need considerable support from our
association and is by no means a done deal. When we get a draft
of the proposal we will make it available to our membership and
coordinate contacts with each of the committee members. We
encourage you to contact committee members to encourage support
of this proposal. Members of the Committee are:
Rep. George Keiser – Dist. 47 – Bismarck
Rep. Don Clark – Dist. 44 – Fargo
Rep. Robert Frantsvog – Dist 40 – Minot
Rep. Nancy Johnson – Dist 37 – Dickinson
Rep. Lee Kaldor – Dist 20 – Mayville
Rep. Jim Kasper – Dist 46 – Fargo
Rep. Gary Kreidt – Dist 33 – New Salem
Rep. Lisa Meier – Dist 32 – Bismarck
Sen. Dick Dever – Dist 32 – Bismarck
Sen. Judy Lee – Dist 13 – West Fargo
Sen. Tim Mathern – Dist 11 – Fargo
Rep. Elliot Glassheim (Dist. 18) – Grand Forks
Rep. Marvin Nelson – Dist 9 – Rolla
Rep. Robin Weisz – Dist. 14 – Hurdsfield
Sen. Spencer Berry – Dist. 27 – Fargo
Rep. Ralph Metcalf – Dist. 24 – Valley City
Rep. Karen Rohr – Dist 31 - Mandan
Rep. Lonny Winrich – Dist. 18 – Grand Forks
Sen. Jerry Klein – Dist 14 - Fessenden
by Jim Simons, Chair
We have had a busy quarter. We started out
with telephonic APIC training on July 21, 2011. We asked at
that time that each local submit an Annual APIC Plan to me by
the end of September. If you have not done, so please get it
done. We also provided our contact list for state legislators.
We would like you to update that list, but wait until the State
Legislature approves the new redistricting plan. We had a
meeting with Senator Hoeven in Fargo in July. Thanks to those
that participated. In September I attended the National
Convention where I participated in classes on Political
Involvement and Government Relations. I provided a copy of that
report to the State President and State Exec. If anyone wants a
copy, send me an email. On Wednesday September 14, 2011, five
NAIFA-ND members attending the convention visited our 3 members
on congress on capital hill. My thanks go out to Pat Saltsman,
Elaine Fremling, Nancy Buechler, and Keith Phillips. Issues
included Fiduciary Standard, Tax Reform, and Role of the Agent.
by Marc Siverson, Chair
The Membership conference call held on 09/07/2011 was poorly
attended. I neglected to send out a reminder until the day
before so I will take the blame for this call.
I am out of town the first two Tuesdays in October. I would
like to conduct the October membership conference call on
Tuesday October 18th at 8:30 am central time. Again
the number to call is 712-432-0111 and the access code is
The last agenda we had talked about some of the hot topics
affecting our business of we don’t pay attention such as not
being paid for IRAs (this has been delayed until next year)
fiduciary standards which would affect those of us with
retirement plan sponsors. Contacting legislatures at state and
national levels was effective, but we need to stay on the
forefront and not let anything slip by us when politicians
I also e-mailed to member chairs the membership application
form. We should keep one or two of these apps handy at all
times and continue trying to recruit members….remember there may
be safety in numbers and we need more members! I also included
a colorful recruiting hand out to show advantages of joining
NAIFA for a relatively small monthly investment.
During our next conference call I will try to squeeze more ideas
out of the call and utilize some new tactics to raise our
standards bar and success ratio of new members. Remember any
member can contribute ideas to grow our membership. Please feel
free to contact any of our membership chairs and share these
by Keith Phillips, Chair
Most of you have heard of LILI,
some of you have taken LILI and many of you are curious about
LILI. NAIFA-ND is gearing up for another LILI class that will
be held in Jamestown and tentatively scheduled to start in Nov.
We currently have about 9 NAIFA members who have shown interest
in taking the class. This years class will be moderated by Renae
Haug from Bismarck.
This class is a great way to grow your business, become a better
leader and most importantly become a better person. If you have
questions, want more details or have the desire to enroll
contact myself, Renae or Nancy in the State Office. You can also
go to the NAIFA website and get information regarding the class.
The application is available online on the NAIFA-ND website.
Enrolling and taking LILI is much more than a class. It is an
NAIFA-North Dakota - 1811 East Thayer Avenue - Bismarck, ND 58501 (701) 258-9525