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by Pat Saltsman, CLTC
What a year!!!
My goal (mantra) was communication and increase membership.
was met with our monthly President calls. We were able to share
association programs, ideas and problems. With all the industry
issues and Blue Ribbon Task Force idea of restructuring local
associations, we had to stay on top of what was going on and I
feel the monthly calls gave us the venue to hold discussions.
So thank you to all the Presidents for scheduling time for the
Membership...... is an ongoing challenge. We need to keep
stressing the advocacy that NAIFA does for our industry and thus
for our careers!! Teachers have an income cap and almost every
teacher belongs to NEA or NDEA.... No matter what their salary
is. We don't have an income cap and yet agents are not joining
the ONE organization that is their career insurance. That is
what NAIFA is, our career insurance policy. We all have
hobbies and we don't think twice about spending money for those
hobbies (i.e. I just spent $100 for a new pair of biking shoes).
It is a matter of prioritizing and for me, keeping my career
has always been #1. Biking is a possibility because I purchased
constantly looking at ways to find money and guess where they
are looking. Yup.... our insurance products. Guess who is
spending time in Washington fighting to keep Congress out of our
business. Yup, NAIFA's national Lobbyists.. Guess where NAIFA
gets the money to send them to "the Hill" Yup.... our
membership dues.... Yup... NAIFA is our career insurance.
don't see value, then they are not going to join or keep their
membership. They need to understand what NAIFA does for them.
You are the conduit for your association. Go out and spread
the word. If you need a handout or powerpoint, let me know and
I will send it to you.
If your P&C
agent is not a NAIFA member, invite them to join or find one
that is. We are supporting their careers but they are not
investing in ours.... hrmm
you had a fantastic convention!! Who was it that said "I pity
the fool....." Well, I pity the agent who did not attend. The
speakers and format were excellent and spending time with fellow
agents was winederful (right Nancy?). So Kudos to Grand
Forks President Shari Hanson and all those who worked on the
don't see value, then they are not going to join or keep their
Thank you for
allowing me to serve as your State President. I enjoyed the
time spent working with all the agents.....
I wish Jay
Burgad, the 2012-2013 President, a wonderful year serving
wonderful agents and a great organization.
. Make it a great year!!
NAIFA-ND 2012 State Convention
Thank you to
the North Valley convention committee for putting on a first
class convention! For those of you who missed it, you
missed a lot!
highlights of the convention can be found here (click on photo
to view more).
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- North Valley
by Shari Hanson,
Grand Forks North Valley held the State Convention the first week
of May. We had Color guard from the Police Department, a drum
cadence and a Special Olympics carry their torch to kick off the
convention. We had 13 different speakers that covered life
stories, motivation with comedy, ethics, financial, political
and what is happening with NAIFA in Washington. We feel it was
a great success. We will be having a Board meeting in June to
approve budget and setup our schedule for the next year. We
also have 3 people going to National Convention. Our membership
has increased and we are looking at a few more joining us this
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. We had a variety of good
speakers & topics for our meetings this past year. We struggled
a bit this year maintaining membership as we had higher than
normal lapses for a variety of reasons but are looking to
actively growing the chapter next year. Congratulations and
best of luck to all those who will be chapter officers or board
members this coming year.
NAIFA – Minot
by Jim Simons, President
We had a
successful quarter. At our April membership meeting we had a
representative from the North Dakota Securities Department talk
about investment and regulatory issues. In May we utilized a
NAIFA Program in a box that highlighted Obama Care. This month
is our Annual Picnic where we invite our local legislators.
We are still
working on retaining and recruiting new members. We hope to
finish the year a net plus 1.
Committeeman Lyle Kraft and I attended the State Convention
recently in Grand Forks.
We are working
on plans for our upcoming new year. Lyle and I have also
registered for the National Convention to be held in Las Vegas
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The numbers don’t lie –in order to continue to protect our
industry and our livelihood, our collective voice must be strong
and NAIFA’s strength lies within our members!
In just a few short months, our country will elect new
political leadership at the national, state and local level.
While we don’t know specifically what those elections will
bring, we do know this: our industry and the products and
services we provide will be under great scrutiny.
Now is the time to get these messages in front of prospective
members and remind lapsed members of NAIFA’s value. As we finish
the membership year, please arm yourself with the advocacy data
1. Tax Expenditure numbers shows dollar for dollar what
looking for to offset the deficit
- The 75 million American families that rely on life, health,
disability income and LTC insurance and qualified retirement
plans for financial security have historically benefited
from very favorable federal tax treatment. Increasingly, some
members of Congress, the White House, and state legislatures
have put forth proposals that would reduce the favorable tax
treatment of life insurance industry products. Here are
“our” numbers—just the ones listed below show that over
$2.6 trillion in foregone taxes are attributable to our products
Expenditure numbers (2011-2015)—JCT
·Life insurance and annuity inside buildup: $148.3 billion
(about $13 billion is COLI; the rest individual)
Pensions: $ 78.7 billion/Keogh plans $263.7 billion/DB plans
$375.9 billion/DC (includes 401(k)) plans $ 62.4
billion/traditional IRAs $ 24.1 billion/Roth IRAs
Employer-paid health/LTC insurance: $725 billion
Self-employed health/LTC insurance: $ 26 billion
HSAs: $ 8.8 billion
Accident and DI insurance: $ 18.6 billion
Cafeteria plans: $197.6 billion
Group term life insurance: $ 8 billion
Capital Gains/Dividends tax rates: $456.6 billion
Exclusion of cap gains at death (step up): $230.8 billion
2. Health Care Reform - The health care reform challenge
is to bring the estimated 45 million uninsured Americans into
the system and to reduce the high cost of health care for
everyone. Of course, these two challenges are related and one
cannot be solved without tackling the other. NAIFA Health &
Employee Benefits has developed principles that would support a
practical solution to our health care problems. The plan,
utilizing these basic principles, will help lower costs and
ensure coverage is available to all citizens—without resorting
to new government programs or jeopardizing the high quality of
care we enjoy and expect as American consumers.
Repeal expanded 1099 reporting (repeal signed into law 4/14/11)
Repeal “Free Choice Vouchers” program that would have removed
some employees from their employer plans (repeal signed into law
Repeal the CLASS Act (HHS pulled the plug on implementation
Energy & Commerce Committee vote to repeal 11/29/11 and Ways &
Committee vote to repeal 1/18/12)
by Jim Simons, Chair
I wish to highlight some of our activities
since January 1st of this year. Jason Middaugh, Jay
Burgad, Nancy Buechler and I attended IFAPAC/IFAPIC training in
Washington DC this past January. We heard from our National
Government Relations Team and were provided with a packet to
take to Capitol Hill. The four of us met with Senator Conrad as
well as staffers from Senator Hoeven and Congressman Berg. We
talked about needing their support in not including agent
commissions in the Medical Loss Ratios. We highlighted that we
serve 75 Million American families. We serve Main Street, not
Wall Street. We also discussed issues with Financial Services
At our recent State Convention we watched
a video provided by Congressman Rick Berg and received a letter
from Senator Hoeven.
June 12th is the North Dakota
State Primary. Be sure to get out and vote. Ask yourself. How
active am I in the political process? Have I contributed to my
favorite candidate? Have I helped with anyone’s campaign? Is
there a yard sign in my yard now? Get Involved!!
NAIFA-North Dakota - 1811 East Thayer Avenue - Bismarck, ND 58501 (701) 258-9525