by Keith Phillips, LUTCF
would you feel if you woke up tomorrow, picked up the paper and
the headlines read, “Due to the current deficit, Congress has
approved legislation that would make sweeping changes to the way
that life insurance and insurance related products are taxed?”
If you have been
following what has been taking place on Capitol Hill lately, you
will realize that the above headline is becoming more reality
than ever before. I sense complacency with many individuals in
our industry who feel that this is just a threat that we hear
every year. As a matter of fact they are right. We have all
been hearing this for years and only due to the diligent efforts
of NAIFA have we been able to thwart off much of this negative
legislation. We cannot let up. It is more important than ever
that we contribute to IFAPAC and also to get involved in
said, “Those who are not politically active are governed by
those who are.” In other words, we can protect the future of
our industry or we can leave it to others outside of our
industry to decide for us. Is that what you want?
NAIFA-ND 2010 State Convention
By Tim Deitemeyer
"This is our Time", this is it! Please mark your calendaers
and plan to attend the 2010 NAIFA-ND/Fraternal Congress/FIC
State Convention April 28, 29, and 30th at the Doublewood Inn in
If you have never come, maybe came to one in the past, or if you
come to the State Convention every year, this is going to be one
to not miss! Great food! Great speakers/CE! Great fellowship
and fun!! We have organized this convention to keep your costs
to attend at a minimum and your return on investment to a
The 2010 State Convention currently consists of a speaker lineup
Karen Tyler, ND Securities Commissioner!
Dave Evenson, Top of the Table Producer from Grand Forks!
Jim Johnson, with Hallett Financial in Fargo and one of the
best CE presenters!
Roger McCullough, NAIFA Liaison "State of the State"
Adam Hamm, ND Insurance Commissioner
Van Mueller, Headline and Keynote speaker! Van has been a
main platform MDRT and Top of the Table speaker, Van's bio
reads like a book! Van is going to show us why this is the
"Greatest Time Ever" to be an insurance and financial
advisor. Van will show us how we are the most valuable people
on the planet at this time and how to showcase this "Value"!!!
YAT, please attend if you are a YAT, we have an excellent YAT
social party and food organized and you might even win some
GOLF, Golf is planned on April 28th at the beautiful Meadows
golf course in Moorhead MN! Enjoy some great golfing on the
area's best "floodproof" course!
Food, Fellowship, and Fun! This is a lonely career, lets help
support each other and our industry! We need it now more than
Please come April 28, 29th, and 30th to the Doublewood Inn in
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NAIFA - Fargo Moorhead
By Shawn Gruenberg
Our association has been
working on a sponsorship package to make it very easy for
companies that sponsor our meetings, golf tourney and awards
banquet each year. We are attempting to keep up with the many
legislative bills that threaten to dramatically change the way
in which we do business today. In November we had Michael Fix,
Director of the Life and Health Division & Actuary with the ND
Dept. of Insurance as our continuing education and luncheon
speaker. Currently we are planning a contact blitz to our
January renewing members to discuss the tremendous value NAIFA
provides along with the necessary increase in our dues. On
behalf of NAIFA Fargo-Moorhead, I would like to wish you all a
very Merry Christmas and a Happy New Year!
NAIFA - Minot
By Elaine Schilla, President
With Thanksgiving over
and Christmas on the way, we at NAIFA Minot want to wish all of
you a blessed Christmas season with much joy in the holidays.
Minot has been busy
with the legislative reception in October, regular meetings in
November and now in December we have the annual CE Blitz
scheduled for the 11th of December. Topics this year
include “Medicare & Social Security,” “Liabilities and Risks,”
and “Legislative Updates,” as well as information from the State
Insurance Commissioner’s office and the ND Securities
This year we are
fortunate in being able to host Mr. Roger Looyenga, former CEO
and Chairman of Auto-Owners Insurance Group at a reception for
all area insurance agents and financial services representatives
on December 1, 2009. Mr. Looyenga is the author of the book
“Take the Stairs: Leadership Lessons Learned From a Lifetime of
Service with Auto-Owners Insurance Company”.
by Jonathan Spilde,
Greetings from Missouri
Slope! As we move into the Holiday season and the end of 2009,
we are busy wrapping up our IFAPAC contacts. In doing so we are
asking all members to not only be mindful of the challenges
facing our industry, but also of the very specific role NAIFA
and IFAPAC have in preserving our chosen profession as agents.
In doing so, we position IFAPAC as more of a “business insurance
premium” and NOT A DONATION! This is an important
distinction--especially at this time of year. It is, after all,
our job that allows us to support all of the other places and
causes we choose to support. IFAPAC is working to make certain
that our business environment--and our role as agents-- is not
side-tracked in the current flurry of legislative activity. Not
supporting IFAPAC would be like unplugging the sign advertising
your business because it uses too much electricity—very
short-sighted! The same goes for our new member recruitment and
membership renewals. Membership is the key to keeping our
business alive, and should be viewed by all of us as a necessity
and not an option—another important point to make as we explain
the dues increase. NAIFA and IFAPAC are the eyes, ears, and
voice of our livelihood. They need—and deserve—our support!
- North Valley
by Gregg Webster,
After a lot of activity
due to the Legislative Session last year, we seem to be
suffering from a lack of focus. There is interest in a LUTCF
class locally. We have several individuals expressing their
opinions on the national health care issue.
efforts are focused on a targeted list of local agents.
IFAPAC contributions are
better than previous years.
We will be inviting
local legislators to our meetings.
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By Dee Stroh, Chair
There has been a lot
of action needed in the last few months to keep up with what is
happening in Washington D.C. I am hopeful all members are
involved in getting in touch with senators and representatives
and expressing their opinions regarding health care, etc. The
NAIFA website provides invaluable information for all of us.
NAIFA had our Toys for Tots social --all legislators from the SW
area were invited to attend.
Best wishes for a
very Blessed Holiday Season.
APIC - State
By Jim Simons, Chair
I need the local APIC
chairs to send me their annual APIC plans. Items that should be
included in your plans are meeting with your Government
Relations, Programs, and IFAPAC chairs to coordinate activities
for the year; submitting a budget to your board of directors,
and soliciting input from your members on their legislative
contacts. Don’t forget qualifying for the Bobo award. Make
sure you have an IFAPAC and APIC Chair. Hold a fund raising
event for IFAPAC. Hold a legislative day. Congratulations to
Minot for holding a legislative forum in place of their normal
membership meeting. The Minot Association invited their local
legislators from the area to a 5:00 p.m. social where beverages
and snacks were served. National Committeeman Todd Ringoen gave
an overview of the most recent legislative session and the
legislators were asked to comment on each of the issues. I
highly recommend each Association contact Elaine Schilla to find
out how they went about this. Our automated APIC contact roster
is still being developed. I will forward it out as soon as it
is completed. Remember your IFAPAC contributions need to be in
by 31 Dec 09 to count for the Bobo Award. I plan on attending
the National IFAPAC/APIC training to be held on 22/23 Jan 2010.
I will give a report on that training in my next Dakota Advisor
By Gregg Webster, Chair
There is a vast
amount of talk about health care. Currently, much of the
political focus is on the insurance industry. While there have
been a few comments about agents, most of the attention has been
As agents, we need
to help our customers understand the personal impact they will
feel as the various proposals float through the press and
political discussions. Unfortunately, bringing forth facts does
little or nothing to curb the emotions. This makes for an
extremely delicate environment.
With the current
proposals in Washington DC, there will be significant changes in
the role of a health insurance agent. Some basically eliminate
the role of an agent, others mandate specific activities, and
all will change before anything is final.
Here in North
Dakota, a proposal has been floated regarding the Premium Tax.
We will have to follow any developments. Once again, the focus
is on the companies, not on agents.
By Jeff Case, Chair
There is going to be a
LILI program this fiscal year in North Dakota. The first
session will be held in Jamestown at the Gladstone Inn on
January 19, 2010 beginning promptly at 8:00AM.
A total of 8 candidates
are registered and the books have been ordered. There are three
candidates each from Bismarck and Fargo, and one candidate each
from Grand Forks and Minot. Hopefully each of the locals is
able and willing to reimburse their respective candidates a
portion of their tuition cost. NAIFA-ND will match each student
reimbursement made by the local associations up to $100.00. The
reimbursement will be provided to the student upon successful
completion of and graduation from the program.
“Thank You!” to the
four locals providing candidates for this years’ LILI program.
Hopefully we will have one or more candidates from each of our
seven locals next year.
Let’s support our
candidates and our moderator, Jason Middaugh.
I wish all of you a very Merry Christmas and a Happy New Year.
by Jason Middaugh, Chair
We are almost half way through the year and membership is going
strong but needs to improve. We are having a membership contest
with the local with the highest percentage growth every quarter
receives $200. The first quarter of the year Central was the
winner. Congratulations to Central. We are nearing the end of
the second quarter. There is still a month left and there are
many if not most locals still in contention for the award this
quarter. Thank you to all the local membership chairs and their
committees on the work that has been done. We need more
volunteers for those committee’s and we need more work done.
Start of Year
NAIFA - Central North Dakota
NAIFA - Fargo Moorhead
NAIFA - Lake Region
NAIFA - Minot AIFA
NAIFA - Missouri Slope
NAIFA - North Valley AIFA
NAIFA - Roughrider
North Dakota Total
NAIFA-North Dakota - 1811 East Thayer Avenue - PO
Box 5010 - Bismarck, ND 58502 (701) 258-9525