Weekly Bulletin Published in Fort Worth, Texas for F&R AgentsUnited American Final Expense Available...

Volume 24, Issue 18

1. Wes Stevens TX $ 414

In God We Trust

Volume , Issue

Weekly Bulletin Published in Fort Worth, Texas for F&R Agents A Faith-Based Company

Life A.V. Health A.V.

Greg Fallin TX $ 4,542

Important Notice regarding the F&R Bulletin: The F&R Weekly is published by Farm & Ranch Healthcare, Inc. for the dissemination of information to its Agents. It is not intended to be used as advertising material. Permission must be obtained from Farm & Ranch Healthcare, Inc. for reproduction or other use of material herein. This weekly bulletin is intended for distribution to the independent professional sales associates affiliated by contract with Farm & Ranch Healthcare, Inc. It is not intended nor authorized to be used as a sales tool and its contents are not to be shared by any means with anyone not currently contracted with Farm & Ranch Healthcare, Inc.- Thank you. CA License#:CAOC01351

2. Mark Simpkins OH $ 2,376

3. Mike Sosso TX $ 2,276

4. Lisa Wallace TX $ 616

DialCare is the Telehealth tool every Americans should have!!

Pick up the phone today and contact old clients, new clients

and anyone who deserves this life saving service.

Volume 24, Issue 18

Farm & Ranch Healthcare, Inc.

Carrier Products Sold Weekly A.V. / Top Producer

Not intended to be used as a sales tool or advertising materials. Not to be shared, by any means, with anyone not currently contracted with Farm & Ranch Healthcare, Inc

Foundation Health Hospital Expense Protection STM GI STM Medicare Supplement AME—Plan Enhancer TRIOMED AME/CI

Life / Critical Illness Cancer / Heart / Stroke Accident Indemnity Dental PPO Dental Term Life

$ 00.00 Health

$ 4,38.00 Health

Med Sup—Traditional—2 Med Sup—High Ded Plan G Disability Med Sup—Traditional Disability Med Sup—High Ded F Cash Cancer Critical Illness Accident 250

Annuity Juvenile Life

Final Expense - WL No First Year Prem Acc Death Mark Simpkins OH

Life Insurance Child Whole Life Living Promise Term Life Answers Term Life Express GUL GUL Express Guarantee Advantage IUL Income Advantage Protection Advantage

Med Supp—3

Medicare Advantage

PDP—1

Critical Advantage—1

Dental Dental Preferred Dental Protect

Disability Income Priority Income Disability Income Choice Long Term Care Mutual Care Solution Annuities Bonus Flex Ann. Ultra-Secure Ultra-Premier

$ 5,430.00 Health

Greg Fallin TX

Not Insurance $29.90 monthly Family Membership Dues—Less Than a Dollar A Day!

Silver Membership 6 New Members

INCLUDING 1 SILVER PLUS!

$ 2,272.80

Greg Fallin TX

MyTelemedicine $5000 or Silver Plus

$10,000 (Guaranteed Con-vertible) Group Life Insurance

Deep Dental Savings Emergency Roadside Assit. RX Savings

See disclosure on page 7

Just a reminder, all new business submitted online must have back up along with the turn-

in sheet. Otherwise it is not considered new business and will not be processed. Thanks!!

Volume 24, Issue 18

Not Insurance

Agent Commission Bonus

Bobby Clanton $ 100 $ 100

Greg Fallin $ 200 $ 200

Lisa Wallace $ 300 $ 300


No Winner !

No Winner !

No Winner !

Greg Fallin $ 200

Mark Simpkins $ 100

Mike Sosso $ 100

IMPORTANT NOTICE: All insurance applications submitted with a credit card as method of payment WILL BE PAID AS-EARNED.

Volume 24, Issue 18

Bonus Rules:

Bonus will not be paid for products written on Family Members, Yourself or any other F&R Agent and/or Manager.

Bonus is subject to charge backs if lapsed, declined or cancelled by the Ins Company and/or the Policyholder within the first 90 days.

No Bonus applicable to internal replacement applications and re-submitted applications (previously submitted) will be paid only if the original bonus has been charged back. Multiple submissions will be determined on a case by case basis.

All Agents / Managers must maintain an acceptable Net to Gross Ratio in order to qualify for Bonus.

Bonus & Commission is not paid on Trial Applications until policies are placed & premium received.

Heartland conversion applications count toward bonus qualifications.

Heartland Commissions will be charged back on all Heartland Memberships lapsed or cancelled within the first year.

Only applications that are submitted on Bank Draft Mode qualify for Bonus Program

One bonus payable per application

Medicare Supplement Guaranteed Issue business for reasons other than “aging in” do not qualify for bonus.

Heartland Silver /Silver plus Bonus Write a Heartland Silver membership and receive . . . The Heartland Bonus will be a credit to the “ Back End “ account for those agents without

sufficient credits in the “ Back End “ .. This credit is to insure that ALL agents accounts are protected against any “ Charge Backs or Lapses

Life & Accidental Death E-APP Bonus Write any MOO or UA Life or Acc Death E-APP or a paper app on any MOO IUL ,GULE, GUL (Min. $60 monthly premium) and receive . . .

Mutual of Omaha Term Life Express and Living Promise and United American Final Expense receive an ADDITIONAL

(Min Monthly premium $100)

Medicare Supplement E-App Write a Mutual of Omaha or United American E-App (Plans F, G or N) excluding High Deductible Plan G No bonus of Medivare Supplement NHIC Mutual of Omaha Critical Advantage E-App Bonus

Write a Mutual of Omaha Critical Advantage E-App (Min $100 monthly premium) and receive . . .

Mutual of Omaha Long Term Care E-App Bonus Write a Mutual of Omaha Long Term Care E-App


Providing the highest quality LEADS is an integral part of our unique BONUS Program!

Volume 24, Issue 18

Mutual of Omaha Guaranteed ADvantage Accidental Death Up to $1,000,000 in total benefits under certain circumstances. Otherwise up to $500,000.00 in benefits Issued up to age 18- 70. Renewable up to age 80

Mutual of Omaha Term Life Express - Available up to $25,000 up to $300,000** Face - Issue Ages 18– 70*

Mutual of Omaha Living Promise - Final Expense Available up to $40,000** Face - Issue Ages 45-85* Mutual of Omaha Guarantee Universal Life Express

Available $25,000 up to $ 250,000** Face - Issue Ages 18- 65*

Mutual of Omaha Children’s Whole Life- Available $2,000 up to $ 50,000 Face – Issue Ages 14 Days– 17 yrs

United American Final Expense Available up to $25,000** Face - Ages 50-80*

United American Juvenile Whole Life Available up to $25,000 Face - Ages 0-18

FULLY UNDERWRITTEN Mutual of Omaha Term Life Answers Available $100,000 up to $65,000,000** Face - Ages 18– 80* Mutual of Omaha Guaranteed Universal Life (GUL )

Available up to $100,000 up to $65,000,000** Face - Ages 0-85*

Mutual of Omaha Income Advantage Indexed UL Available up to $100,000 up to $65,000,000** Face - Ages 0-85*

Mutual of Omaha Life Protection Advantage Indexed UL Available up to $100,000 up to $65,000,000** Face - Ages 0-85*

Silver/Silver Plus

DIALCARE Silver Plan $5,000 Group Life Insurance up to age 70! Silver Plus Plan $10,000 Group Life

Insurance up to age 70! Deep Dental Savings RX Savings Vision Savings MAS Benefits

Not Insurance

National General Foundation Health Plan Fixed-Benefit Indemnity Plan offers predictable and affordable access to health care. Issue Ages 18-64

NGIC Short Term Medical Plan with a guaranteed issue option – Term Medical insurance It provides the financial protection you need from unexpected medical bills and other health care expenses. Issue Ages 18-64 Up to 12 mo options ...Max. allowable policy period is 364 days. Policy durations will vary by state. Some states have a maximum duration of 3 or 6 months.

Mutual Of Omaha Companies Medicare Supplement Plans Issue Ages 65 and Up

United American ProCare® Medicare Supplement Plans Issue Ages 65 and up * Some States Underage 64 Disability Med Supp

Mutual of Omaha Dental plans Issue Ages 19-99 Critical Advantage-Critical Illness Plan

Issue Ages 18- 65 ...18-89 Cancer-Heart/Stroke Disability Income Plans-Issue Ages 18- 61(Most Plans)

Accident - Short- Term- Long Term- Business Expense Long Term Care– Mutual Care Solutions

Issue Ages 30-79 United American Cash Benefit Cancer Plan- Issue Ages 0- 69

Pays maximum benefit amount in cash as listed in the policy schedule up to $50,000

UA250—Accident plan—Issue Ages 0- 63

HealthGuard (CIL) Issue Ages 18-64 critical illness protection which pays a lump sum benefit directly to the policyholder up to $50,000 .

National General Hospital Expense Protection-Issue Ages 18-64

Provides set, cash benefits that help you pay for out-of-pocket costs due to a hospital stay.

TrioMed- AME/C.I./Accidental Death Combo Plan Issue Ages 18- 64

Accident Fixed-Benefit- Issue Ages 18-64 The Accident Fixed-Benefit plan pays cash benefits when injuries, medical treatment or death result from an accident.

Plan Enhancer/Accident Medical Expense Issue Ages 18-64 Accident Medical Expense with

Lump sum benefit rider for Cancer Heart and Stroke. Optional Sickness Hospitalization rider Lump Sum Benefit upon admission to the hospital max varies by state.

Term Life or Life / C.I.— 10 yr Term Life—Critical Illness Issue Ages 18-59

Dental Indemnity 3 levels of affordable coverage to choose from: BASIC - INTERMEDIATE - PLUS In most states, apply for coverage through age 70 and renew up to age 75.(Apply through age 64 and renew up to age 70

in CO, MA, MD, NC, NJ, OH, OR, SD and UT.)


Volume 24, Issue 18

We live in a different world than we did last week, this gives us the opportunity

to reach out to our clients and talk about their insurance needs.

MESSAGE FROM MICHAEL STEVENS:

New Heartland Membership cards. Very easy for your clients to call and get help with any

Benefit they need!!


CDC stated everyone should have access to Telehealth with our

DialCare !!!!!

Follow Heartland on Social Media!!! Heartland Alliance.org

Volume 24, Issue 18


Volume 24, Issue 18

Meet your client’s need through every stage of Life!!!

Health Insurance Products

A complete portfolio of supplemental health products:

Medicare Solutions

Dental Insurance

Long-Term Care Insurance

Disability Income Insurance

Critical Illness Insurance

Address the concern about outliving retire-ment savings Annuity provides a guaranteed, reli-able income stream that can't be outlived

Income Annuity provides a guaranteed, reliable income stream that can't be outlived

Income Annuity with Premium Return

Income Access

Ultra-Income

Deferred Income Protector

Income Annuity with Premium Return

Income Access

Ultra-Income

Deferred Income Protector

Deferred Annuity earns a fixed rate of interest and grow tax deferred until payments begin

Ultra-Premier

Ultra-Secure Plus

Bonus Flexible


Volume 24, Issue 18

Cash Benefit Cancer Plan...Issue ages 0-69. Pays maximum benefit amount in cash as listed in the policy schedule up to $50,000 for written satisfactory proof of a first-time diagnosis of internal cancer or malignant melanoma. Benefit can be used for anything - income while not working, travel expenses, at-home care, experimental treatment or whatever is needed. Pays in addition to other coverage. Available for individual, single parent, or family coverage.

HealthGuard (CILS)… Issue ages 18-64. The plan is critical illness protection which pays a lump sum benefit directly to the policyholder upon written satisfactory proof of first diagnosis. Covered illnesses include: Major Organ Transplant, Heart Attack, Stroke, Total Loss of Eyesight, Total Loss of Hearing, and End Stage Renal Failure. Benefits are available in $10,000 increments, ranging from $10,000 to $50,000. Benefit amounts reduce by 50 percent at age 65. Individual and spouse coverage available.

ProCare® Medicare Supplement Plans... featuring the High Deductible Plan G(HDG) The HDG is a Medicare Supplement Plan G policy that provides all the features and benefits of a standard Plan G but at a substantially lower premium. The difference is a calendar-year deductible. The amount of the calendar-year deductible for 2020 is $2,340. (Set by the federal government) Why does an HDG policy make great sense? U A’s Company statistics show the majority of their Plan G policyholders have annual claims well below the current deductible amount of $2,340. In fact, Company statistics show that 80% of policyholders ages 65-67 had annual claims averaging $524. If your clients anticipate few claims or small claims, an HDG policy may be the right choice! After all, why pay premiums for claims they may never have?

Here’s a quick glance at the easy sell United American products:

UA-250 Accident Compensation Plan ...Issue ages 0-63. Guaranteed Renewable for Life! Pays cash benefits for accidental injury. Choose from a lump sum payment of up to $10,000 per accident or a hospital cash benefit of up to $6,250. Also includes an Accidental Death Benefit which pays $10,000 instead of all other benefits (or $10,000 minus any previously paid benefit) to chosen beneficiary.


The Plan HDF is available to individuals that turned 65 prior to Jan 1st 2020. If they turned 65 after Jan 1st 2020 they can get on the new HDG Plan. In 2020, the Government will authorize the creation of a new High Deductible Plan G. As you may know, Plan F is disappearing for new purchases as of 2020. With the disappearance of Plan F, the High Deductible Plan F will be gone as well. If you are interested in buying a High Deductible plan, the only option you will have will

be the High Deductible PLAN G High Deduc ble Plan Overall Rating 5 STARS !!!!!

With the Plan HDF's removal in the year 2020 and the price difference be-tween High Deduc ble Plan F vs High Deduc ble Plan G, the High Deduc ble G will be one of the best values for supplement market. !!!

Volume 24, Issue 18

In an effort to avoid face-to-face interactions while we are adhering to CDC guidelines of Social Distancing, we are implementing a temporary eSignature solution that will allow previously face-to-face only products (outside of New York) to be sold over the phone.

Below, you can access our temporary eSignature process guide and language, as well as screen-sharing applications used to effectively continue face-to-face business.

Please login to UAOnline to access the Compliance Sheets for state-specific product bro-chures, applications, and other required forms.

Screen Sharing Applications:

While screen sharing is not required for eSignature, it is highly recommended you adopt this technique so you can continue face-to-facebusiness virtually. Our agents have found success with thefollowing applications:

join.me website Mikogo website

Virtual Selling Documents:

UA eSignature Process Guide PDF UA Virtual Selling FAQ PDF

United American Email Template Forms

Use these templates during your eSignature process.

New Business templateCancer, Life, and Medicare Supplement Conversion template

Reinstatement template


You can virtually sell the cancer and the CILS apps for now, eve-rything EXCEPT the Accident 250 and underage disability apps.

Volume 24, Issue 18


Nat Gen Access Plan An affordable way for your clients to get the health care they need by: –Helping to cover the an cipated cost of everyday health care services

–Paying set dollar amounts for certain covered health care services; custom-er pays anything in excess of the plan benefits Why Na onal General Access Offers predictable and affordable access to health care •Clients can go to any doctor or hospital they want and receive their set ben-efit amount •They save more when they use First Health Network providers Benefits for preven ve office visits, unplanned office visits, lab and x-rays, surgeon costs, and more •Benefits are paid on top of other coverage •64% of Americans avoid or delay treatment due to medical costs 1 and would appreciate more money to help pay for them

•44% of Americans don’t go to a doctor when they are sick or injured because of cost 2 with fear of not knowing the true cost of the visit

Volume 24, Issue 18


Nat Gen Access Plan How the plan works: Like other insurance plans, customers should: Use the network website to search for network providers: www.firsthealthlbp.com Set an appointment with the provider Present their ID Card when checking in

A er receiving treatment(s), The EOB will show the network discount and the plan benefit paid

The insured is responsible for paying any remaining balance a er the plan benefit is paid The plan benefit your client receives is the same regardless of where they receive care or how much the provider charges. We have many coverage op ons to choose from •Plan Enhancer: AME with op onal CHS and SIP riders*

•TrioMed: AME, Cri cal Illness, and AD&D

•Cancer and Heart/Stroke

•Term Life –Cri cal Illness

•AcciMed: AME and AD&D Dental PPO or Dental Indemnity plans also make a great add States available for quo ng access plan. AL,AR,AZ,DC,FL,GA,IA, IL,LA,MI,NC,NE,OK,SC,VA,WI,WV,WY

Volume 24, Issue 18


Illinois members now have access to our enhanced Short Term Medical offerings, including Essentials, Enhanced, Co pay Enhanced, and Guaranteed Issue options, with no out-of-network cost sharing penal-ties and a maximum coverage term of 180 days. Nat Gen is the first to offer clients network choice with STM plans. We’re introducing the Cigna PPO network for the STM Enhanced PPO and Co pay Enhanced PPO lev-els in the following states, with renewal and consecutive plan options in:

AL, AZ, AR, FL, GA, KY, LA, OH, SC, and WI. 6-month plan options in: MI, MT, and NV. Please note, this is in addition to the Aetna PPO network offering and the Essen-tials PPO and Guaranteed Issue options are not available with the Cigna PPO network. New benefit op-tions for Plan Enhancer Our Plan Enhancer Accident Medical Expense with optional Cancer & Heart/Stroke and Sickness Hos-pitalization riders has the following new benefit levels: $6,000, $8,000, $8,150, $9,500, $11,500, $12,500, and $17,500. These new benefit options are available where Plan Enhancer with riders options is availa-ble, except Ohio. New benefit levels are making it easier to pair with our Short Term Medical and any new ACA plan deductibles. Medicare Supplement: Now in Minnesota, Missouri, New Jersey, and Wisconsin Our Medicare Supple-ment Insurance is now available for quoting in Minnesota, Missouri, Wisconsin, and STATE. This brings Nat Gen’s total Medicare Supplement footprint up to 42 states! Simplification of our portfolio continues. National Health Insurance Company now underwrites Dental Indemnity in the following states: Minnesota, Missouri, Montana, and Wyoming. Make sure your agents are all appointed with National Health Insurance Company to continue to sell these products .New Prod-uct Introductions

New to Idaho: Dental Indemnity New in California: Term Life Only

New in Louisiana: Critical Illness-Term Life Important information regarding agent appointments for Oklahoma

Volume 24, Issue 18

The COVID‐19 pandemic caused by the novel coronavirus has challenged health care like never before.

Health insurance providers, policymakers and tech companies have responded with new ideas, new flexibil‐

ity and new solu ons. The pandemic has in par cular put a spotlight on telemedicine as a beneficial tool for

screening and monitoring the sick, protec ng the healthy, and suppor ng our na on's most vulnerable. This

special report captures a snapshot of how telemedicine is being used and the ways in which health care

could be reshaped a er this crisis is behind us.

Telehealth: A solu on to mul ple pandemic challenges

Policymakers and health care providers are advoca ng for expanded use of telehealth to manage a number

of challenges presented by the COVID‐19 pandemic. Proponents say telehealth can allow people who think

they might be infected to be screened at home rather than at clinics or hospitals, where they could spread

the virus or be exposed to it, and telehealth can also allow clinicians to safely check in on people who are at

high risk of serious illness if exposed and infected. Full Story: Medscape (free registra on) (3/4), New England Journal of Medicine online (3/11)

Insurers boost virtual care amid COVID-19

Health insurance providers are waiving cost sharing, relaxing network restric ons and making other changes to enable access to COVID‐19 care, and telehealth figures into many of their strategies. For example, Hu‐mana is covering virtual urgent care without cost sharing, Aetna has waived telemedicine fees for all condi‐ons, and Magellan Health is allowing free access to its digital cogni ve behavioral therapy program and has

expanded behavioral telehealth offerings.

Full Story: Health Payer Intelligence (4/7)

Pandemic pushes telemedicine use to an all- me high

Telehealth usage rose by 50% in March and virtual health care interac ons are projected to top 1 billion by

the end of 2020, according to Forrester Research, with 900 million of those involving the novel coronavirus.

Health insurers have aided the transi on to virtual care amid the COVID‐19 pandemic by urging pa ents to

use telehealth for screening, rather than clogging up emergency departments. Full Story: CNBC (4/4)


Volume 24, Issue 18

MILLS, John Paul John Paul Mills was born: Feb. 10, 1945 in Arlington, Texas, and passed away April 2, 2020 in Plano, Texas. Preceded in death by parents: Roy Lee Mills and Ethel Mills. Survived by: Wife - Nancy Mills, Daughter - Tina Johnson and husband, John, of Frisco, Texas. Son - Timothy Mills and wife, To-nya, of Sanger, Texas. Grandchildren - Alex Paul Johnson and Jodie Michelle Johnson, Sister: Meda Mason of Ft. Worth, Texas. Paul was an ordained Southern Baptist Minister and attended Bible College in the Dallas, Texas area. He was the Senior Pastor of Cathedral of Praise Carrollton in Carrollton, Texas, for many years, started several ministries including Prime Time Fellowship in Plano, Texas, and, most recently, led a Sunday School Class for Senior Adults at Parkway Hills Baptist Church in Plano, Texas. He had a radio ministry called "Successful Living with Pastor Paul Mills" that was broadcast on many Christian radio stations. In addition, he was also successful in the insurance business where he worked for many years. Paul was a devoted husband, father and grandfather. He enjoyed spending time with family. He was passionate about spreading God's Word. Paul and Nancy conducted Christian marriage and parenting seminars nationwide. He will be deeply missed by his friends, family and all who knew him. Due to the COVID-19 restrictions, we will have a family-only service next week, but when al-lowed, we will have a celebration of life service at a future date to remember Paul and his legacy. TBA.


Volume 24, Issue 18

IMPORTANT REMINDER The Leads provided to you by Farm & Ranch Healthcare , Inc. are , and remain , the exclusive property of Farm & Ranch Healthcare, Inc. Any attempt to persuade a Farm & Ranch provided client lead to purchase an insurance product not expressly approved , in advance , by Farm & Ranch is considered a direct violation of your contract and may be cause for termination. It is further understood that any attempt to persuade a client who is a current policyholder of Farm & Ranch to change to a policy underwritten by a company not approved by Farm & Ranch is a direct violation of your contract and may result in termination of your contract and any renewal income generated as a result of that contract. Remember: Honesty is the best policy ... Your adherence to these prudent business

ATTENTION !!!! GET YOUR LEAD

CREDIT FOR YOUR SOLD LEADS !

~~~~~~~~~~~~~

It is very important you receive credit

for the lead, it is impera-tive that you list the

lead phone number on your turn in

sheet!! This number can be entered in the Work/Alternate phone number space. If for

some reason this is not possible

PLEASE EMAIL

[email protected]!

We want to ensure that resources are being directed to agents that are able to convert the Elite leads. Our goal each week is to put a minimum of fifteen fresh, hot leads into the hands of each and every agent who is converting these leads into sales and commission $$$. Elite leads will be awarded as follows:

Farm and Ranch website is FARHC.COM the password is f&rsales all lower case. The weekly Bulletin and all updates are on the website every week.

Now is the Time like NO other to SELL DIALCARE to your clients!!!!!!!

Honesty and Integrity is the F & R Way !!!


Weekly Bulletin Published in Fort Worth, Texas for F&R AgentsUnited American Final Expense Available...

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