Monday, March 20, 2017

2017 March/April IFAPAC

An Amazing Story from 9-11 You Probably Haven’t Heard

We all remember where we were when we heard that someone had flown a plane into one of the World Trade Center towers in New York City and that not long after, a second plane had struck its target. A third would hit the Pentagon and a fourth would go down in an attempt to reach another target in Washington, D.C. The ripple effect of those events continues even to this day, but we don’t often stop to remember those that stepped forward with common kindness in the midst of the terror.

This is one of those stories as told by a flight attendant on Delta Flight 15, a flight on its way to the U.S. and diverted to a small town in Canada:
On the morning of Tuesday, September 11, we were about 5 hours out of Frankfurt, flying over the North Atlantic.
All of a sudden the curtains parted and I was told to go to the cockpit, immediately, to see the captain.
As soon as I got there I noticed that the crew had that “All Business” look on their faces. The captain handed me a printed message. It was from Delta’s main office in Atlanta and simply read, “All airways over the Continental United States are closed to commercial air traffic. Land ASAP at the nearest airport. Advise your destination.”
No one said a word about what this could mean. We knew it was a serious situation and we needed to find terra firma quickly. The captain determined that the nearest airport was 400 miles behind us in Gander, Newfoundland.
He requested approval for a route change from the Canadian traffic controller and approval was granted immediately — no questions asked. We found out later, of course, why there was no hesitation in approving our request.
While the flight crew prepared the airplane for landing, another message arrived from Atlanta telling us about some terrorist activity in the New York area. A few minutes later word came in about the hijackings.
We decided to LIE to the passengers while we were still in the air. We told them the plane had a simple instrument problem and that we needed to land at the nearest airport in Gander, Newfoundland, to have it checked out.
We promised to give more information after landing in Gander. There was much grumbling among the passengers, but that’s nothing new! Forty minutes later, we landed in Gander. Local time at Gander was 12:30 PM …. that’s 11:00 AM EST.
There were already about 20 other airplanes on the ground from all over the world that had taken this detour on their way to the US.
After we parked on the ramp, the captain made the following announcement: “Ladies and gentlemen, you must be wondering if all these airplanes around us have the same instrument problem as we have. The reality is that we are here for another reason.”
Then he went on to explain the little bit we knew about the situation in the US. There were loud gasps and stares of disbelief. The captain informed passengers that Ground control in Gander told us to stay put.
The Canadian Government was in charge of our situation and no one was allowed to get off the aircraft. No one on the ground was allowed to come near any of the air crafts. Only airport police would come around periodically, look us over and go on to the next airplane.
In the next hour or so more planes landed and Gander ended up with 53 airplanes from all over the world, 27 of which were US commercial jets.
Meanwhile, bits of news started to come in over the aircraft radio and for the first time we learned that airplanes were flown into the World Trade Center in New York and into the Pentagon in DC.
People were trying to use their cell phones, but were unable to connect due to a different cell system in Canada . Some did get through, but were only able to get to the Canadian operator who would tell them that the lines to the U.S. were either blocked or jammed.
Sometime in the evening the news filtered to us that the World Trade Center buildings had collapsed and that a fourth hijacking had resulted in a crash. By now the passengers were emotionally and physically exhausted, not to mention frightened, but everyone stayed amazingly calm.
We had only to look out the window at the 52 other stranded aircraft to realize that we were not the only ones in this predicament.
We had been told earlier that they would be allowing people off the planes one plane at a time. At 6 PM, Gander airport told us that our turn to deplane would be 11 am the next morning.
Passengers were not happy, but they simply resigned themselves to this news without much noise and started to prepare themselves to spend the night on the airplane.
Gander had promised us medical attention, if needed, water, and lavatory servicing.
And they were true to their word.
Fortunately we had no medical situations to worry about. We did have a young lady who was 33 weeks into her pregnancy. We took REALLY good care of her. The night passed without incident despite the uncomfortable sleeping arrangements.
About 10:30 on the morning of the 12th a convoy of school buses showed up. We got off the plane and were taken to the terminal where we went through Immigration and Customs and then had to register with the Red Cross.
After that we (the crew) were separated from the passengers and were taken in vans to a small hotel.
We had no idea where our passengers were going. We learned from the Red Cross that the town of Gander has a population of 10,400 people and they had about 10,500 passengers to take care of from all the airplanes that were forced into Gander!
We were told to just relax at the hotel and we would be contacted when the US airports opened again, but not to expect that call for a while.
We found out the total scope of the terror back home only after getting to our hotel and turning on the TV, 24 hours after it all started.
Meanwhile, we had lots of time on our hands and found that the people of Gander were extremely friendly. They started calling us the “plane people.” We enjoyed their hospitality, explored the town of Gander and ended up having a pretty good time.
Two days later, we got that call and were taken back to the Gander airport. Back on the plane, we were reunited with the passengers and found out what they had been doing for the past two days.
What we found out was incredible…..
Gander and all the surrounding communities (within about a 75 Kilometer radius) had closed all high schools, meeting halls, lodges, and any other large gathering places. They converted all these facilities to mass lodging areas for all the stranded travelers.
Some had cots set up, some had mats with sleeping bags and pillows set up.
ALL the high school students were required to volunteer their time to take care of the “guests.”
Our 218 passengers ended up in a town called Lewisporte, about 45 kilometers from Gander where they were put up in a high school. If any women wanted to be in a women-only facility, that was arranged.
Families were kept together. All the elderly passengers were taken to private homes.
Remember that young pregnant lady? She was put up in a private home right across the street from a 24-hour Urgent Care facility. There was a dentist on call and both male and female nurses remained with the crowd for the duration.
Phone calls and e-mails to the U.S. and around the world were available to everyone once a day.
During the day, passengers were offered “Excursion” trips.
Some people went on boat cruises of the lakes and harbors. Some went for hikes in the local forests.
Local bakeries stayed open to make fresh bread for the guests.
Food was prepared by all the residents and brought to the schools. People were driven to restaurants of their choice and offered wonderful meals. Everyone was given tokens for local laundry mats to wash their clothes, since luggage was still on the aircraft.
In other words, every single need was met for those stranded travelers.
Passengers were crying while telling us these stories. Finally, when they were told that U.S. airports had reopened, they were delivered to the airport right on time and without a single passenger missing or late. The local Red Cross had all the information about the whereabouts of each and every passenger and knew which plane they needed to be on and when all the planes were leaving. They coordinated everything beautifully.
It was absolutely incredible.
When passengers came on board, it was like they had been on a cruise. Everyone knew each other by name. They were swapping stories of their stay, impressing each other with who had the better time.
Our flight back to Atlanta looked like a chartered party flight. The crew just stayed out of their way. It was mind-boggling.
Passengers had totally bonded and were calling each other by their first names, exchanging phone numbers, addresses, and email addresses.
And then a very unusual thing happened.
One of our passengers approached me and asked if he could make an announcement over the PA system. We never, ever allow that. But this time was different. I said “of course” and handed him the mike. He picked up the PA and reminded everyone about what they had just gone through in the last few days.
He reminded them of the hospitality they had received at the hands of total strangers.
He continued by saying that he would like to do something in return for the good folks of Lewisporte.
“He said he was going to set up a Trust Fund under the name of DELTA 15 (our flight number). The purpose of the trust fund is to provide college scholarships for the high school students of Lewisporte.
He asked for donations of any amount from his fellow travelers. When the paper with donations got back to us with the amounts, names, phone numbers and addresses, the total was for more than $14,000!
“The gentleman, an MD from Virginia , promised to match the donations and to start the administrative work on the scholarship. He also said that he would forward this proposal to Delta Corporate and ask them to donate as well.
As I write this account, the trust fund is at more than $1.5 million and has assisted 134 students in college education.
“I just wanted to share this story because we need good stories right now. It gives me a little bit of hope to know that some people in a faraway place were kind to some strangers who literally dropped in on them.
It reminds me how much good there is in the world.”
“In spite of all the rotten things we see going on in today’s world this story confirms that there are still a lot of good people in the world and when things get bad, they will come forward. Let’s not forget THIS fact.

By Meridian Magazine · March 7, 2017
Submitted by Richard Ek, Co-Chair IFAPAC Washington

Thursday, February 2, 2017

2017 January/February Day on the Hill

NAIFA/WAHU Day On The Hill was held Thursday, January 26, 2017. Close to 100 producers from Health Underwriters and NAIFA met at the Double Tree Hotel in Olympia for a morning session. Mel Sorensen, our lobbyist extraordinaire, led the combined meeting of both professional associations.

Earlier in the morning, Mel and the two presidents, Neal Kloke of NAIFA and Keith Wallace of WAHU, testified before legislative panels on key topics important to our business.

We heard from; Michael Marchand, Director of Marketing for the Washington Health Benefit Exchange; John Mangan, Regional VP for the American Council of Life Insurers; Grace Campbell, of AHIP; and comments from Neal Kloke and Keith Wallace.

Michael Marchand acknowledged the positive role of brokers in increasing the participation and growth of the exchange.  It is a dubious acknowledgement, however.  Whether we agree with necessity of an exchange, we’ve certainly helped get more folks covered and at the same time I’ve spoken to a number of agents who are now charging fees to help folks with their decision making.  I don’t even focus on health insurance and I’m getting calls daily from people who were referred by the exchange.   I’m wondering why we need the exchange? (paragraph submitted by Richard Miller)

Before breaking for lunch and our own lobbying efforts on “the Hill” we discussed the talking points for the day. Some were pertinent to health insurance, some to life insurance:

  • Agents and brokers know the markets, know the applicable laws and regulations, are trained and certified by the OIC, know their clients and provide valuable service to the communities we serve
  • Oppose any legislation that would impose adverse tax impacts on licensed insurance producers or the insurance industry
    • The Business & Occupation Tax is equal to an income tax on producers with no recourse to pass the tax on to our clients. We oppose any increase in the B&O which Governor Inslee has proposed.
    • Life insurers pay millions of dollars via Premium Taxes to support the State General Fund and fund the costs associated with the Office of Insurance.
    • Washington allows life insurers to take a credit against Premium Tax obligations for their assessments paid to the Guaranty Association-20% each year over a 5-year period. There are bills to either increase the tax burden on life and health insurers OR eliminate the credit allowance currently in place.
  • Oppose HB 1185 and SB 5242 – bills that would alter the Washington Insurance Inducements Requirements and destroy the agreement reached between the OIC and licensed producers in 2015.
A controversial San Francisco-based employee benefits firm is apparently behind the introduction of HB 1185 and SB 5242 – companion measures that would allow insurers, insurance producers, or title insurance agents to offer goods that are free or for less than fair market value incident to an insurance sale or solicitation. The bills were introduced at the request of Zenefits after Insurance Commissioner Mike Kreidler ordered the company last month to cease offering free employee benefits software, finding that the activity is in violation of Washington’s law against inducements. The company was fined by the OIC in 2016 for allowing unlicensed individuals to sell insurance in Washington. Last November regulators in California imposed significant fines and penalties against the company for licensing violations in that state.

HB 1185 was considered at a hearing of the House Business & Financial Services Committee for consideration, and a hearing has been scheduled to consider the measure on Wednesday, January 25. SB 5242 was considered by Senate Financial Institutions and Insurance Committee at a hearing on Thursday, January 26. NAIFA, together with other producer associations and the Office of the Insurance Commissioner, testified in opposition to the measures. NAIFA President Neal Kloke, together with Keith Wallace, the President of the Washington Association of Health Underwriters, along with representatives of the Professional Insurance Agents of Washington/Alaska and the Independent Insurance Agents and Brokers of Washington, testified that the measures would unravel recently-enacted revisions to Washington’s Insurance Inducement provisions that were the result of careful negotiations between the OIC and producer groups only two years ago. They also expressed concern that the bill would provide competitive advantages to large entities who are able to offer large financial inducements to build client relationships that are completely beyond the reach of main street agents and brokers. The OIC also testified against the bills.

    • An out-of-state firm wants to eliminate the $100 maximum allowance for gifts to insurance prospects or clients.
    • This firm offers a software suite for no charge that most small businesses would normally pay thousands of dollars to purchase. While they say the software is free to any small business, the firm strongly seeks to take over insurance plans by BOR and remove the local producer, forcing the small business to deal with an 800 number on all issues.
    • This firm does almost all business by phone and email using unlicensed representatives.
  • Support HB 1338 and SB 5253 to continue the Washington State Health Insurance Pool – WSHIP – which is designed to sunset at the end of 2017.
    • With changes coming to the Affordable Care Act, the Insurance Commissioner as well as all insurance associations (NAIFA, WAHU, PIA, etc.) believe the WSHIP should not be allowed to sunset but be available as a lifeboat for the 200-300 insured individuals that have coverage through WSHIP. Most of the WSHIP insureds are in ESRD and unable to obtain coverage elsewhere.
Producers met with dozens of Representatives and Senators during the afternoon and discussed these issues. For the most part, legislators, both Democrats and Republicans, seemed to better understand the impact of these bills and most of them agreed with our positions.

Thanks to Mel Sorensen and all the members of NAIFA that sacrificed a day from their normal business activities to be at Day On The Hill. Your participation is appreciated. Now is the time to contact your own representatives and Senator. Make sure they know you stand ready as a resource to their office on insurance and investment topics.

Richard Ek, IFAPAC Co-Chair

Richard Miller, Advocacy/Legislative Chair

Mel Sorensen, NAIFA-Washington Lobbyist


2017 January/February President's Message

Embracing Change?
After our last board meeting in October 2016 we created a “NAIFA Steering Committee” to evaluate, strategize and discuss impactful change that would attract new members, retain current members and keep members involved in their local associations and communities.
After a handful of phone conferences, the Steering committee came up with the idea of the “One Washington Initiative” to help Unify, Simplify and Energize our membership.
The committee felt it would be more efficient to brand our membership more consistently as one unified NAIFA Washington. 
The committee felt it would be more efficient to simplify the governance requirement by reducing or eliminating the individual local association’s legal obligations, freeing up local resources to focus on more important events or projects.  Get more by asking less of current membership.
The committee felt preservation of identity in local associations was necessary for programs, participation and membership growth.
The NAIFA One Washington Initiative was outlined and discussed with your local leadership that were in attendance at the State Board Meeting on January 25th in Olympia WA.  Please contact your local leadership to learn more about the proposed Initiative.
If you have further questions please contact Jenna Olson our State Executive and she will have one of the Steering Committee leaders reach out to you.

Thank you!
Neal Kloke
President WA State

2017 January/February IFAPAC

Do you have a gold box?

Over the phone, his mother told him, "Mr. Belser died last night. The funeral is Wednesday." Memories flashed through his mind like an old newsreel as he sat quietly remembering his childhood days.

"Jack, did you hear me?" "Oh, sorry, Mom. Yes, I heard you. It's been so long since I thought of him. I'm sorry, but I honestly thought he died years ago," Jack said...

"Well, he didn't forget you. Every time I saw him he'd ask how you were doing. He'd reminisce about the many days you spent over 'his side of the fence' as he put it," Mom told him.

"I loved that old house he lived in," Jack said.

"You know, Jack, after your father died, Mr. Belser stepped in to make sure you had a man's influence in your life," she said.

"He's the one who taught me carpentry," he said. "I wouldn't be in this business if it weren't for him. He spent a lot of time teaching me things he thought were important. Mom, I'll be
there for the funeral," Jack said.

As busy as he was, he kept his word. Jack caught the next flight to his hometown. Mr. Belser's funeral was small and uneventful. He had no children of his own, and most of his relatives had passed away.

The night before he had to return home, Jack and his Mom stopped by to see the old house next door one more time.

Standing in the doorway, Jack paused for a moment. It was like crossing over into another dimension, a leap through space and time. The house was exactly as he remembered. Every step held memories. Every picture, every piece of furniture. Jack stopped suddenly...

"What's wrong, Jack?" his Mom asked.

"The box is gone," he said.. "What box?" Mom asked.

"There was a small gold box that he kept locked on top of his desk. I must have asked him a thousand times what was inside. All he'd ever tell me was 'the thing I value most,'" Jack said.

It was gone. Everything about the house was exactly how Jack remembered it, except for the box. He figured someone from the Belser family had taken it.

"Now I'll never know what was so valuable to him," Jack said.
"I better get some sleep. I have an early flight home, Mom."

It had been about two weeks since Mr. Belser died. Returning home from work one day Jack discovered a note in his mailbox. "Signature required on a package. No one at home. Please stop by the main post office within the next three days," the note read. Early the next day Jack retrieved the package. The small box was old and looked like it had been mailed a hundred years ago. The handwriting was difficult to read, but the return address caught his attention. "Mr. Harold Belser" it read. Jack took the box out to his car and ripped open the package. There inside was the gold box and an envelope. Jack's hands shook as he read the note inside.

"Upon my death, please forward this box and its contents to Jack Bennett. It's the thing I valued most in my life." A small key was taped to the letter. His heart racing, as tears filling his eyes, Jack carefully unlocked the box. There inside he found a beautiful gold pocket watch.

Running his fingers slowly over the finely etched casing, he unlatched the cover. Inside he found these words engraved:

"Jack, Thanks for your time! - Harold Belser."

"The thing he valued most was... my time"

Jack held the watch for a few minutes, then called his office and cleared his appointments for the next two days. "Why?" Janet, his assistant asked.

"I need some time to spend with my son," he said.
 "Oh, by the way, Janet, thanks for your time!"

Think about this. You may not realize it, but it's 100% true.

1. At least 15 people in this world love you in some way.

. A smile from you can bring happiness to anyone, even if they don't like you.

. Every night, SOMEONE thinks about you before they go to sleep.

4.. You mean the world to someone.

5. If not for you, someone may not be living.

6. You are special and unique.

7. When you think you have no chance of getting what you want, you probably won't get it, but if you trust God to do what's best, and wait on His time, sooner or later, you will get it or something better.

8. When you make the biggest mistake ever, something good can still come from it.

9. When you think the world has turned its back on you,
take a look: you most likely turned your back on the world.

10. Someone that you don't even know exists loves you.

11. Always remember the compliments you received.
Forget about the rude remarks.

12 . Always tell someone how you feel about them; you will feel much better when they know and you'll both be happy .

13. If you have a great friend, take the time to let them
know that they are great.

What's in your gold box?  To whom will you send it?

I know, what does this have to do with IFAPAC?

Maybe nothing. Maybe everything.
We appreciate your support and encourage you to challenge another NAIFA member to match what you contribute to this great profession.
Richard Ek


Thursday, December 15, 2016

2016 November/December Washington Initiative

The OneWashington Initiative

Our state is currently comprised of 11 local associations that act autonomously in many areas NAIFA provides member benefits. In this increasingly busy, electronic society it becomes a greater challenge for each local to be effective, causing programming and membership to suffer. To address this, your State Board has created a strategic committee to develop a plan to bring our state together, increasing efficiency by easing the administrative burden of each local, all towards building a stronger NAIFA Washington.

The first step in this process is standardization of dues. Starting with all members joining or renewing on or after December 31, 2016 we will have a uniform dues structure statewide. No longer will there be a financial barrier to joining one local association over another. The OneWashington Steering Committee will be presenting additional recommendations for the state at the January 25th State Board Meeting in Olympia, including soliciting feedback from each local association. We anticipate a final plan to be presented in advance of, and voted on at, the 2017 State Convention at Lake Chelan, in May. If you have any feedback, please share it with your Local President (contact info). Please direct questions to State President-Elect, Stephen Good or RVP Michael Staeb (contact info).

Michael Staeb

Tuesday, December 13, 2016

2016 November/December President's Message

Merry Christmas fellow NAIFA members!

It has been interesting 2016 especially with a very crazy Presidential Campaign that has finally come to an end.  There is so much speculation and uncertainty of how things will fold out with the new leadership and control on Capitol Hill.  So much noise out there…..

Unfortunately we can only control so much in our ever changing world.  Fortunately, we are here listen, learn, educate and motivate our clients to the necessary solutions needed to protect and improve their financial wellbeing.  Helping them navigate through the noise….

Remember to set your goals for 2017 and reflect on your goals from 2016.

Remember to do what you said you were going to do. 

Remember to let others know you are member of NAIFA and why important it is to you.

I hope everyone has a safe, wonderful and blessed Holiday Season with their family and friends!

Thank you for allowing me to service as your President so far this year.  It truly is an honor.

Neal Kloke
President NAIFA WA

2016 November/December IFAPAC

I remember as a young boy learning the word imitation and it's various uses, both negative and positive. At that time, at least to me, the word seemed mostly negative. I would hear, "That is just a cheap imitation." I attached a negative meaning to that expression as well as from seeing the quality of the items that were being referred to. Then one of my brothers was teasing a younger one who complained to mother by saying, "Mom, he is imitating me!" To me, both of those meanings were negative and I don't believe I came to know the positive aspects of imitations or imitating until many years later. I was told that during WW II natural products were often substituted by some type of synthetic substance. For example, tires for civilian vehicles were made out of a synthetic or imitation rubber so that the better and more reliable tires made from real rubber would be available for military vehicles used in the war effort.

Margarine became a very poor substitute or imitation for butter. It came in a white one pound bar with a little package of reddish/orange coloring. The package of coloring had to be mixed into the white margarine until it was supposed to look yellowish like butter but it never did look or taste like butter. The fat in the butter was used to make explosives; at least that is what I had heard. Instead of nylon stockings women had to wear stockings made out of some type of synthetic imitation or use the painted on stocking effect. The synthetic nylons developed runs very easily and so it was not unusual to see at least one run in a woman's stocking. I remember seeing mother putting a little fingernail polish on the beginning of a run, which was supposed to stop it from continuing to run. The real nylon material had to be used in making parachutes, etc. There were many more examples of cheap imitations but those imitations got our nation through the war without too much deprivation.

Many of the imitations today, however, look as good if not better than the genuine product. They say that the average person can't tell the difference between a real Rolex watch, for example, and the imitation. There are a lot of imitations, even in the world of art. There are artists who specialize in creating almost perfect imitations of original and very valuable pieces of art. There are even people who try to imitate other people. Some have become enamored with someone famous and find themselves imitating their behavior. For example, there are many who try to imitate Elvis Presley. Sadly, there are people that try to imitate infamous figures from history that were evil and destructive.

Francesco Guicciardini stated that, "He who imitates what is evil always goes beyond the example that is set; on the contrary, he who imitates what is good always falls short." The young of the human family as well as the young in the animal kingdom learn and grow by imitating their parents and others who are older. Being able to observe the process of imitation is both wondrous and often humorous. I was watching a short video of a small puppy learning how to come down a set of stairs. Obviously the puppy was scared to take the first step. So his mother went up to the top and showed or demonstrated for the puppy how to do it. The puppy would start to follow but then hesitate so the mother went back up to the top and demonstrated again and she actually had to show the puppy about six or seven times before the puppy gained enough confidence to imitate its mother and took its first step down the stairs.

From the alleged quotes of Confucius we find the following: "By three methods we may learn wisdom: first, by reflection, which is noblest; second, by imitation, which is easiest; and third, by experience, which is the most bitter."  If the easiest way to gain wisdom is by imitating others then imitation should be recognized and professed as the primary method of learning throughout the land. The Preacher in Leviticus said that: 'There is nothing new under the Sun,' meaning that no matter what we say or do, it has already been said or done somewhere, at some time in this world. If that is true then we are all, unwittingly, imitators.

Imitation has also been said to be one of the sincerest forms of flattery. That, however, would only be true if we were aware of the person we were imitating beforehand. Imitation then, like many other things 'under the Sun', has both a positive and a negative value or side to it. On the positive side we can gain wisdom by imitation and we can often become better people by emulating or imitating those whom we know are good. The best and the 'easiest' way to become a successful insurance and financial advisor is to sit down next to those who are already good advisors and to begin to imitate what they do. To think that you can just start at home and become successfully involved in this relatively complex profession is probably the wrong approach. Virtually everything we have accomplished in life, whether in part or in whole, we owe to the art of imitation. I have heard people tell about starting on their own, over and over, and then giving up because they just didn't know how or what they were doing. They were like the puppy at the top of the stairs without the mother nearby to show them how. Imitating knowledgeable insurance and financial advisors either within your agency or within NAIFA is the very best way to become experienced and successful. You have learned via imitation all your life, don't stop now, nor feel embarrassed about it. The work is a good work and a work that may be more important than any other that you will ever be involved in. It is the work of this noble profession. Do your work so that others will want to imitate you.

Richard Ek, LUTCF

Monday, October 3, 2016

2016 September/October In the News

We were told by President Jules at our State Convention this would happen; so this is what I recently read:

State Farm agents with licenses to sell securities will stop offering clients variable annuities, mutual funds and other financial products starting in April as the company works to respond to the Labor Department's fiduciary rule. Agents can continue to sell life insurance and fixed annuities.

I also see that California is forging ahead with a Plan to have a State Run Retirement Savings Plan run by the state not subject to ERISA Protections, and mandated that all small businesses be subject to it unless they already have a 401(k) in place.
Submitted By Al Zalewski, CLU, ChFC, LUTCF

Tuesday, September 27, 2016

2016 September/October Professional Development

This is promising to be an exciting year!  With classes forming for the new LUTCF curriculum on both sides of the State.  We have now 5 moderators, and plans to begin classes in Seattle/Eastside, Tri-Cities, and soon in the greater Tacoma area.  Get started in a classroom course, as it'll increase your knowledge retention and the membership camaraderie.  

The Advisor 20/20 course is scheduled to be presented on both sides of the mountains, and we are anticipating a fairly intimate class with 10 or more per class.  This course is designed to help you target your efforts by managing your practice into a new dynamic business model.

With an ever growing interest in LILI, the NAIF-Washington’s hope is to actually have two classes this year for LILI.  Ask your local if they are sending anyone, and encourage them to stretch and get enrolled in one!  

Like I said, lots going on and we encourage you to get involved in one way or the other.  If you would like to be a moderator, check with me as we need many to get our newer Agents the training they need!

 Have a great Fall season!

 Roger McDowell, LUTCF

2016 September/October President's Message


After returning home from attending the Performance + Purpose 2016 Annual Conference in Las Vegas, it is crystal clear to me that we have the best leadership our National Association has ever had…..Period.

The NAIFA 20/20 Mission and Vision is set and ready for action.  Over the next 5 years this strategic plan will empower NAIFA, its members and the industry.

Without the NAIFA 20/20 plan, we as Insurance and Financial Advisors will have a much more difficult time protecting our clients and business in the future.

Please take the time and go to the website and spend the time to review the NAIFA 20/20 plan and determine what you are going to do to continue to help our Great Association continue to stay Viable in the many years to come.

Neal Kloke
WA State President

2016 September/October Sponsorship

Please let us know who your best partner is for potential sponsorship and we will contact them.  If we all follow up with one of our best relationships, we can meet our goals together! 

The Board of Directors invites you to take full advantage of the benefit-rich opportunities below. Sponsorship is a valuable way to not only show support for your local NAIFA organization but also to put your business in front of prospective customers on a consistent basis.


(Exclusive Opportunity: only one offered per year)

Recognition as Platinum Partner at all NAIFA Washington events
Includes two individual memberships to NAIFA including national, state, and local dues ($1,000 value!)
Back cover ad in the Who’s Who annual membership directory ($750 value!)
Complimentary Financial Services Forum and State Convention Exhibitor Packages ($750 value!)

Plus these additional benefits:

·        Additional admission to Financial Services Forum for 2nd member
·        Additional registration to State Convention for 2nd member
·        Special Recognition during the program as “Presenting Sponsor”
·        Option to provide marketing materials at each seat (if applicable)
·        Prominent placement of company logo on website (with a link to your website)
·        Prominent placement of company logo in e-blasts (with a link to your website)
·        Prominent placement of company logo in The Washington Advisor newsletter
·        Special Recognition at Day On The Hill
·        Additional registration to State Convention for 2nd member
·        Access to membership mailing labels (two sets per year, PRICELESS!)
·        Up to four guests may attend any NAIFA Washington event at member rates
·        Company logo and website address displayed at all events
·        Option to promote your business’s events on NAIFA Washington’s public calendar (maximum of 12 per year)

(Limited to four per year, no more than two competing businesses)
Recognition as Gold Sponsor at all NAIFA Washington events
Includes one individual membership to NAIFA including national, state, and local chapters ($500+ value!)

½ page ad in the Who’s Who annual membership directory ($400 value!)
Complimentary Financial Services Forum Exhibitor Package ($300 value!)
Complimentary State Convention Exhibitor Package ($450 value!)
Prominent placement of company logo on website (with a link to your website!)
Prominent placement of company logo in e-blasts (with a link to your website!)
Prominent placement of company logo in The Washington Advisor newsletter
Recognition at and admission to Day On The Hill
Access to membership mailing labels (one set per year, PRICELESS!)
Up to two guests of the sponsor may attend all NAIFA Washington events at member rates
Option to promote your business’s events on NAIFA Washington’s public calendar (maximum of 8 per year)

(Open to any dues-paying member)

Recognition as Silver Sponsor at all NAIFA Washington events
¼ page ad in the Who’s Who annual membership directory ($275 value!)
Complimentary Financial Services Forum Exhibitor Package ($300 value!)
Complimentary State Convention Exhibitor Package ($450 value!)
Prominent placement of company logo on website (with a link to your website!)
Prominent placement of company logo in e-blasts (with a link to your website!)
Prominent placement of company logo in The Washington Advisor newsletter
Recognition at and admission to Day On The Hill
One guest of the sponsor may attend all NAIFA Washington events at member rates
Option to promote your business’s events on NAIFA Washington’s public calendar (maximum of 4 per year)


(Available to non-dues-paying members subject to board approval.)

Company name in e-blast announcements and reminders for the event (with a link to your website!)
Company name on event page during promotion (with a link to your website!)
Company name on website main page while event is featured (with a link to your website!)
Complimentary admission to the event for one person
Recognition during the program as helping to underwrite the cost of “Day On The Hill”

(Available to non-dues-paying members subject to board approval.)

Company name in e-blast announcements and reminders for the event (with a link to your website!)
Company name on event page during promotion (with a link to your website!)
Company name on website main page while event is featured (with a link to your website!)
Display table for your signage and marketing materials during event
Complimentary admission to the event for one person
List of event attendees following the event
Recognition during the program as an exhibitor
Option to speak for up to 2 minutes about your business during the program

(Available to non-dues-paying members subject to board approval.)

Company name in e-blast announcements and reminders for the event
Company logo on Convention promo page (with a link to your website!)
Company name on website main page while event is featured
Display table for signage and marketing materials during full 3-day convention

Complimentary registration to the convention for one person (includes standard registration and meals, does not include your accommodations or any add-ons)

List of event attendees following the convention
Recognition during the program as an exhibitor with multiple “Exhibitor Breaks” throughout the convention

Option to speak from the main stage for up to one minute about your business on the first day of the convention

Option to do a raffle drawing on the second day of the convention (you must supply your own bowl, tickets, prize, etc.)

Thank you
Keith Wallace