Print Friendly Version
by Jaford Burgad, LUTCF
My fellow NAIFA-ND members,
would like to tell each of you that I look forward to serving
you as your current President.
I have just
returned from the National Convention held in Las Vegas and had
the great opportunity to join our other members that attended
from our great state of North Dakota and others across the
Nation. I, like others, truly enjoyed our time together and I
can tell you that it was a
privilege to carry the flag, representing North Dakota, and be
represented as your State President with the rest of the state
presidents. I would wish for each of you to have and share in
this experience, so, I'm asking for you to get involved and you
too some day will be standing there. I would also like to say it
was with great pleasure to see the first timers, (Shari Hanson,
Steve Bergee, Don Zerr and Parker Vanderwal) attend the meeting!
After visiting with them, it seemed overwhelming that they
wanted to come back to another National Conference. It is
because of their involvement and commitment that will cultivate
and mold our next generation of leaders!! Thank you!
conference agenda was truly like one of those Corporate
sponsored events put on by your H.O. or broker conferences. It
was crammed pack full of great break out sessions and the main
platform speakers were exceptional!! (They were motivational,
inspirational and Life stories were sad yet the most
influential). The expo had a large array of exhibitors for
things like making your office more efficient to sales/marketing
practices to product/company selection. (National did a great
job of bringing value to whomever and whatever your company
background might be!)
political aspects of the conference were many times heated yet
very constructive to the process. It was through this experience
that gave me more confidence in the future existence of NAIFA.
NAIFA is definitely not a top down organization! We are, as
individual members, the organization and that was reinforced
during this last conference. Again, wish you all had experienced
This is a political year and I know, like I, you are all very in
tuned with your candidates and their agendas that they wish to
pursue so I'm asking again! Be involved! One voice can
and does make a difference, I've seen this! Make a contribution
if you wish, work on their campaigns if you wish but DO MAKE
them ACCOUNTABLE!! IF your political figures win, follow them on
their agenda and remind them who they work for!! A foot note:
During the National Convention the state of North Dakota
delegation had the honors of meeting their 100% goal of IFAPAC
contributions. Each of our delegates that attended are 100% PAC
contributors!! AWESOME!! Also, (good to know), NAIFA-PAC,
raised over $153,000 dollars!!! WOW!!! VERY NEEDED during such
times of turbulent waters!!
has passed, now work needs to be done! By now, I know each
of your locals have put together an agenda that will help them
in providing a platform for which to bridge from member benefits
and in doing so will also be laying the ground work for which to
recruit new members and asking you for your IFAPAC contributions
over the next several months. It is during the next 8 months
that one could say will make a year or break it so I'm asking
you now, please be involved and dedicated to our cause and let's
make it a great year! It needs all membership to create the
atmosphere in and around a great association. All of us make a
difference, even those with minimal involvement!
thank you for all you do!! You kept me on top of things during
the convention and it was greatly appreciated! I so much am
looking forward to working with you throughout this fiscal year!
I know we will accomplish much!!! Keith Phillips, thank
you for doing a great job as National Committeeman during the
convention, your gatherings and leadership/direction was very
helpful! I would like to say thank you to the veterans
that attended the convention, (they took the time to be
involved). We had a total of 15 delegates including: Hank
Prien, Elaine Fremling, Paul Witthauer, Jim Simons, Lyle Kraft,
Gregg Webster, Bonnie Baglien, Todd Otto and Terry Kraft - thank
you for being there!!! You all made it a great convention by
to roll up our sleeves and get involved! The slow time of the
year is now behind us, let's see what we can do!! I look forward
toward working with you and for you! Call me!!
4610 Amber Valley Parkway Suite E
Fargo, ND 58104
calendars and plan to attend the
Legislative Reception on February 4, 2013 (5:30 - 7:30
p.m.) at the Radisson Inn, Bismarck
2013 NAIFA-ND State Convention
on May 15-17, 2013 at the Doublewood Inn, Fargo.
[back to top]
- North Valley
by Shari Hanson,
NAIFA North Valley began meetings in September. We had Tom
Potter, running for Insurance Commissioner speak at our first
meeting. October 1st we hosted the Insurance Forum.
In September Gregg Webster, Bonnie Baglien and Shari Hanson
attended the National Convention in Las Vegas. Our focus this
year it to increase membership and hope to increase attendance
NAIFA Ė Missouri Slope
by Pat Saltsman, President
or Local President, my goal is the same. Membership!!!
We are strong
in large numbers, so we need to invite and recruit fellow agents
to join the ONE organization that is their career insurance
policy. I continually am befuddled that every agent out there
does not belong. Do they not want to be in business for
themselves next year? To have the perks that being self
employed offer? So I am asking that every member give a board
member a name of someone they know that does not belong to NAIFA,
so we can invite them to join. Our goal this year is 115
members, but we need you to make that happen.
Again we have
issues before Congress that will have an impact on our
industry. Annuities are coming up again and I will bet that
taxing the death benefit of life insurance will be on the table
at some point, and health care is a huge issue. So how do we let
Congress know where we stand in all of this? By contacting our
representatives in Washington letting them know the impact their
decisions have on our clients.
everyone to attend the local meetings held on the second Monday
of every month at the Elks. Invite those fellow member agents
that usually donít attend to join us for the upcoming speakers.
In October, I
will be speaking about Long Term Care, the partnership program
and the recent bulletin from the Insurance Department. October
will be Kelvin Hullet from the Chamber. So please join us.
I am looking
forward to a great 2012-2013 year but it canít happen without
Letís make it a
good one!! Happy Fall.
NAIFA Ė Minot
by Jim Simons, President
We hosted the
ND State Legislators from the Minot area to our Summer Picnic on
June 8, 2012. We had 6 legislators and their families attend.
We had a great time getting to know them better. We took July
and August off. In September, Kim Albert gave a great
presentation on Flood Insurance and we had a good discussion on
how things are progressing here in Minot. Thanks again for the
contributions made last year for our 13 members who were victims
of the flood. National Committeeman Lyle Kraft and I attended
the NAIFA National Convention in Las Vegas this month. We had a
great time meeting new friends and renewing old friendships.
The breakout sessions were very informative. If you havenít
been to a convention in a while, plan on attending the next one
in San Antonio, TX next September. We started the membership
year on July 1, 2012 with 38 members. We wish to welcome new
member Marlen Fenton. One of our members dropped off and then
rejoined which brings us to 40 members. Our goal is 39 members
so we are plus 1 at this time. Letís recruit some more.
[back to top]
by Todd Otto, National Committee Person
During our last NAIFA-Roughrider meeting
we discussed the PURPOSE of having Local Meetings - they seem to
have become quite stale and we're looking for ways to address
what concerns each of you most.
During this discussion, we asked those in
attendance "What should we be discussing at this meeting
that would be important enough for you to leave your Business
and attend our meeting?"
Responses were as follows:
1. Uses of Social Media - how to, what
works, compliance concerns, etc
2. How do we find/keep/develop employees?
3. With our local Oil Economy and other
related financial windfalls, what are Tax Issues we should be
aware of to help ourselves and our customers? (Eide Bailey as
4. With the Fiscal Cliff approaching,
what are the potential impact of this on us and our customers?
Can we get Kent Conrad or another prior Congressman to be the
5. With the Health Care Affordability Act
being implemented, Why should I even be concerned with Health
Insurance (major medical) as it seems to be already taken away
6. Estate Planning (Menaske as presenter)
I would appreciate your input. As a Peer
and fellow NAIFA Member, please send me your thoughts on WHAT we
should be doing LOCALLY that would make it IMPORTANT for you to
leave your office and join us for a hour of Personal Inspiration
or Development with your PEERS?
by Norbert Mayer, Chair
The Supreme Court did
not declare the Federal Affordable Care Act unconstitutional;
therefore it is still with us. The ND Legislative Interim
Health Care Committee crafted a State run Health Care Exchange
plan which assured a role for Health Insurance Agents; however
the plan was not adopted by the ND Legislature at their
November, 2011 session. As of September 14, 2012 only 14 states
have decided to build and run a state Exchange.
In September the
committee finished their work with a final recommendation that
the ND benchmark health plan for the ACA be patterned after the
Sanford Health HMO plan. Of the ten plan choices available this
was the most basic plan. Commissioner Hamm followed the
recommendation and submitted that plan prior to the October 1st
deadline to the US Department of Health and Human Services for
review to see if meets their prescribed criteria. Many
questions remain to be answered, so we continue to monitor the
The Dodd-Frank law
created the Federal Insurance Office within the Treasury
Department, not as a regulator, but as a monitor to identify
perceived gaps in State regulation and to provide a voice in
federal and international matters. Regulation was to be left to
the states. It now appears that this new federal office may be
attempting to empower itself beyond what was intended by
Dodd-Frank. It is important that we monitor the FIO if we
intend to preserve the state based system of insurance
information and explanations of the issues presented here please
review Commissioner Hammís presentation at the ND Insurance
Dept. Forums held the week of October 1st.
Hamm reminds North Dakotans of
upcoming Medicare Part D annual enrollment
N.D.óNorth Dakota Insurance Commissioner Adam Hamm today
reminded North Dakotans the annual enrollment period for
Medicare Part D prescription drug coverage, Oct. 15 through Dec.
7, is coming up.
ďWe want to
make sure all Medicare beneficiaries know this is the time to
compare Part D drug plans,Ē Hamm said. ďBeneficiaries used to
have until the end of the year, but for the second year in a
row, the enrollment period ends Dec. 7. Itís very important to
review your plan before that date.Ē
Insurance Departmentís State Health Insurance Counseling Program
(SHIC) staff is traveling to seven cities around the state
during the annual enrollment period, offering free assistance in
switching or enrolling in a Medicare prescription drug plan. If
you will be attending an event and have been given a yellow drug
retrieval card, please bring it to the event for expedited
service. Consumers also need to bring a list of their
medications, including dosages and frequency.
North Dakotans who are unable to attend an annual enrollment
event have two other options:
2-1-1 by Nov. 21, 2012 from anywhere in ND. Have your medication
information ready. The top three
plan choices will be mailed to beneficiaries.
www.medicare.gov and enter
your information in the Plan Finder tool. On the homepage, click
button labeled "find health and drug plans."
2-1-1 by Nov. 21, 2012 from anywhere in North Dakota. Have
your medication information ready. The top three plan
choices will be mailed to beneficiaries.
important to review your drug plan every year,Ē Hamm said.
ďCompanies often make changes to the plans they offer and to the
drugs they cover. Make sure your plan is still the best one for
on the annual enrollment events, call SHIC at 1-888-575-6611 or
by Jim Simons, Chair
August 2, 2012 we had a state wide ALC. Part of the training
was APIC trainings. We discussed Government Relations, IFAPAC
as well as APIC. Each Local president was shown a sample APIC
action plan. If you donít have it, send me an email at
email@example.com and I will forward you one.
Remember each local should have an APIC chair and you should
complete an action plan and forward a copy to me as soon as
possible. On August 21, 2012 I participated with other NAIFA-ND
leaders and met with Governor Dalrymple. We presented his
IFAPAC contribution check and we were able to let him know more
about what NAIFA does for the people of North Dakota. On August
27, 2012 I participated with other NAIFA-ND leaders and met with
Insurance Commissioner Adam Hamm. We presented him with an
IFAPAC check and had a good discussion on the upcoming
legislative session. I also assisted my members in Minot
handing out IFAPAC checks to some of our local legislators. I
recently attended the NAIFA Convention in Las Vegas earlier this
month. I am still working on an after action report and hope to
have it sent to Nancy soon. Highlights included meeting with
all the state APIC chairs. We exchanged ideas that are
working. We also heard from the Government Relations Staff on
whatís happening on the hill. IFAPAC raised over $120,000
during the convention. If you havenít contributed to IFAPAC,
see your PAC chair as soon as possible. Contributions need to
be in by the last week on December. Donít forget that November
6, 2012 is Election Day. Get out and vote. After the election,
you need to update your APIC Contact forms for our North Dakota
Legislators. Get that info into Nancy by the 1st of
by Gregg Webster, Chair
development is extremely important for the success of NAIFA
on a local, state and national level. Many members refer
only to their local meetings when they reference NAIFA in
meetings at local events is extremely important. One idea
that was presented at the national NAIFA convention with
respect to local meetings involved a local professional
development chair who utilized information from the LIFE
Foundation web site and enlisted many different members to
present an idea that they gleaned from perusing the website.
brought in leaflets, videos, e-mails, and other information
that is easily accessible and readily utilizable for
by Tim Deitemeyer, Chair
The definition of Apathy is: Lack
of interest, enthusiasm, or concern. There are all kinds of
reasons as to why NAIFA membership and other association
memberships are down recently, our own local NAIFA associations
have been seeing this in general, Apathy.
Leadership, we all have leadership and God-given abilities to be
leaders in one form or another!! It's time, its time for you
and me to step up and be leaders! It's time to erase the Apathy
and replace it with the opposite!!
The opposite of Apathy would be Passion since it is an abundant
presence of concern and emotion!!!
Lets do it!! ND is in the news often as being the leader of our
great Nation in many areas!! Lets do that here and lets do it
now!! I challange myself, and challange you to get rid of any
apathy and replace it with passion!! Passion for what we do
and the lives we protect and nurture in our own careers!!
Passion for our industry and the lawmakers who we put there to
represent us! Passion for NAIFA, our unified voice!
Current membership for the State of ND is: 374 (5 years ago, it
membership so far this NAIFA year, MINOT! Minot NAIFA
Association is up!! Good job!!
do it!! Lets each find at least 1 person to become a NAIFA
member, not because it helps out numbers, but because it helps
that person and it helps us transform apathy into passion!!!
Tim (Burning with Passion for what
we do, especially after a nice nap!)
Deitemeyer (Membership Chair)
NAIFA-North Dakota - 1811 East Thayer Avenue - Bismarck, ND 58501 (701) 258-9525