Grow and Protect your business with NAIFA (meeting info) (location)

NAIFA’s Mission NAIFA Protects Your Business Advocacy: Legislation and Regulation NAIFA Helps Grow Your Business Professional Development, Member Benefits & the Largest Industry Network in the Country NAIFA Promotes Ethical Business Practices NAIFA Code of Ethics Ethics Educational Programs NAIFA’s mission is simple: to keep you in business, to help you grow your business and to promote ethical business practices

Founded in 1890, NAIFA is the oldest and most recognized association in the industry NAIFA further developed industry support by creating: The American College – 1927 Million Dollar Round Table (MDRT) – 1927 Life Underwriter Training Council (LUTC) - 1947 GAMA – 1951 Association of Advanced Life Underwriting (AALU) – 1957 Association of Health Insurance Agents (AHIA) – 1990 LIFE (Charter Member) – 1994 Leadership in Life Institute (LILI) - 2000 We were founded in 1890, and we are the oldest, the strongest and most recognized association in the industry. NAIFA had a role in creating each one of these organizations, and we’re proud of our heritage. One of my personal favorites is our role in fostering leaders. Are there any LILI grads in the room?

NAIFA protects your business with Advocacy Advocacy: NAIFA’s Roots In 1913, NAIFA leadership met with President Wilson and congressional leaders to establish the principles that led to the modern life insurance industry: Tax-Free Death Benefits Inside Build-Up Tax-Free Dividends Advocacy – it’s in our DNA. Almost 100 years ago - when the White House and Congress were writing the first income tax code, NAIFA leaders met with President Wilson and Congress to press the case that families needed encouragement to buy life insurance. At that moment, tax-free death benefits, inside buildup and tax-free dividends were born. (OPTIONAL TO ADD) But going back even further, NAIFA can trace its advocacy roots to 1895, when James Norris of Philadelphia proposed NAIFA’s first major policy issue on “twisting of policies.” He said such practice is unconditionally condemned as vicious and as unwise practice, and is dishonorable, and should be condemned by all honorable representatives of life insurance…” Since 1895, NAIFA has been involved in the invention and reinvention of all our products, and will continue for years to come.

Advocacy There is a NAIFA member in every congressional and legislative district in the country who is a voter, tax payer and job creator. NAIFA is uniquely positioned in the areas of advocacy and member participation. We have a NAIFA member in every Congressional district in the country who is a voter, a tax payer and a job creator. Not many organizations or companies could make that claim.

Advocacy How NAIFA Protects You Professional Lobbying On Capitol Hill and every state capital in the U.S. IFAPAC The Insurance and Financial Advisors PAC raises $6 million every election cycle, the largest PAC in the industry. APIC The Advisors Political Involvement Committee includes grassroots and grasstop NAIFA members serving as constituent lobbyists leveraging key relationships with elected officials nationwide. By joining NAIFA, you are taking the first step to protect our industry. NAIFA’s PAC works hard to raise $3 million in every election cycle – that makes us one of the largest PACs in the industry. APIC is the advisors political involvement Committee, where NAIFA members serve as constituent lobbyists to establish important relationships with their elected officials. Do we have APIC members here today?

Advocacy: NAIFA Wins NAIFA helped shape “Wall Street Reform” legislation to safeguard the interests of NAIFA members and their clients NAIFA and NAIFA state associations have worked to enact anti-STOLI laws in 30 states. NAIFA was the first insurance organization to announce formal policy opposing stranger-originated annuity transactions (STATs), and testified at a hearing on STATs held by the NAIC’s Life Insurance and Annuities Committee. What are some results from these advocacy efforts? Here’s a snapshot of some of our policy wins that were crucial to protecting our business: (READ BULLETS). You can learn more about our efforts, our policy positions and statements on naifa.org and I’d be glad to answer any questions after this presentation.

Health Care Reform Act How the Bill Looked When Introduced: Some of the biggest successes in industry advocacy are measured in laws that never see the light of day. How the Bill Looked When Introduced: Government-run plan No role for the agent National exchange Taxes on life insurance and annuities Taxes on employer-provided health plans Cuts FSAs, HSAs, HRAs Government-run LTC program Repeal McCarran Ferguson I do want to mention NAIFA’s efforts on Healthcare Reform since this is such an important issue for our industry and clients. We had a number of “wins” that protected the industry: Take a look at where we began, a few of our accomplishments and a few of the remaining challenges: Where we started Government-run plan   No agent role   National Exchange   Taxes on life insurance and annuities   Taxes on employer-provided health plans   Cuts FSAs, HSAs, HRAs   Government-run LTC program   Repeal McCarran Ferguson

Health Care Reform Act How the Bill was changed through NAIFA advocacy: No tax on life insurance Role for the agent Agent commissions NOT set by HHS No federal government-run option FSA cap indexed Current law antitrust exemption remains State exchanges And how the bill was changed through NAIFA advocacy: Accomplishments No Tax On Life Insurance Role for the Agent Agent Commissions NOT set by HHS No Federal Government-run Option FSA Cap Indexed Current Law Antitrust Exemption Remains No Federal Exchange State Exchanges

Health Care Reform Act Remaining challenges: New government-run LTC program Meaningful agent role Medical loss ratio National high risk pool structure Guaranteed issue without a meaningful mandate Paying for reform - 3.8% high income tax on annuity payments Cost to clients The remaining challenges are listed here (READ THROUGH) There are opportunities for modification – technical corrections, new legislation, the regulatory process, the NAIC and model state regulation. With your continued support NAIFA will ensure the role of the agent and make needed improvements to the new law.

NAIFA Protects Your Business Every year, new tax proposals threaten our industry’s products and business. Only NAIFA protects both. Tax Challenges Financial Services Regulatory Reform Securities Regulation DOL Proposal to Expand Definition of Fiduciary State Action on STOLI Commission Disclosure State Health Exchanges And More Visit http://www.naifa.org/advocacy/ Other issues that are ongoing: (read bullets)

NAIFA Protects Your Business NAIFA’s Government Relations Team Stays in Touch: NAIFA Blog (www.naifablog.com) Email newsletters (GovTalk, GovWatch, GovAlert) Twitter and LinkedIn www.naifa.org/advocacy A final word on our advocacy efforts: NAIFA keeps you informed through Gov Talks, GovWatch and Gov Alerts so you always will be up-to-speed on legislative events. (Definitions if you need them): GovTalk - A summary of federal and state legislative matters that impact the business of NAIFA members. GovWatch - Reports on breaking legislative and regulatory matters that potentially affect your bottom line. GovAlert - Lets you know that URGENT NAIFA member action is needed on legislative or regulatory issues that affect you. And you can follow us on Twitter, LinkedIn and Facebook

Grow your business with Professional Development The American College, AHIP and AICPCU courses and designations including LUTCF and FSS NAIFA Online CE with RegED Hoopis Advisor Network for NAIFA NAIFA Sales System NAIFA Leadership in Life Institute (LILI) NAIFA Online Seminar Series – FREE! NAIFA Career Conference and Annual Meeting NAIFA Quality Award Program From formal seminars to informal networking opportunities, NAIFA provides many ways to enhance members’ skills.

Grow your business with Free Benefits for NAIFA Members NAIFA Virtual Library NAIFA’s Advisor Today magazine and podcast NAIFA Monthly Webinar Series NAIFA Online Seminar Series NAIFA ClientCast™ by Real Wealth® http://www.naifa.org/benefits/ That’s just a sampling of NAIFA’s rich array of professional programs and products that will enhance your knowledge and skills, provide value-added business services, and create critical networking and mentoring opportunities, when, where and how you want them. And many of NAIFA’s benefits are free to members. Visit the member benefits section of naifa.org for more on of these offerings.

Grow your business Professional Networking State and local events LILI Alumni Networks Twitter, LinkedIn, Facebook NAIFA Annual Meeting and Career Conference Coaches Sales – Robert A. Artz, CLU, ChFC Marketing – Stan Hustad Practice Development – Norm Trainor There are many networking opportunities to make valuable business contacts and participate in local, national and online networking events. You will have access to our coaches in sales, marketing and practice development. You also can network through NAIFA’s growing social media presence through the NAIFA Blog (www.naifablog.com), Twitter, LinkedIn, and Facebook. For you non-members, you should see what you are missing.

NAIFA Networking: Young Advisors Team (YAT) Events during the NAIFA Career Conference: YAT Forum, Lounge in the Expo Hall, Suite, Happy Hour, YAT Recommended Workshops during Conference YAT Twitter, LinkedIn, Facebook State and Local YAT Events YAT at Heart: Your Legacy is our Future YAT Leader of the Year Award YAT Web site (www.naifa.org/yat) Recognizing that YATs may have different educational and networking needs, state and local associations and NAIFA National offer opportunities geared toward their specific interests. At the National level these opportunities are primarily presented during the NAIFA Career Conference. In addition, to the NAIFA National Twitter, Linked In and Facebook, there are similar social media outlets geared toward YAT communication and networking. New this year, the YAT Subcommittee is kicking off the YAT at Heart Campaign. The Campaign goal is to bridge the gap between the seasoned member and the YAT member by forming a connection and building the foundation for the passing of the torch. The Campaign recognizes those seasoned members, “YATs at Heart”, who have recruited a YAT or donated $100 to YAT programs during the 2011-2012 membership year. YATs at Heart will be recognized during the 2012 NAIFA Career Conference and Annual Meeting which will include a YAT at Heart ribbon.

Grow your business and save money with NAIFA Member Benefits Staples discount of 10-50% off UPS and Fed Ex shipping discounts E&O Coverage at a discounted rate NAIFA Bookstore Wardrobe discounts – discounts of 15-20% off at Joseph A. Banks, Brooks Brothers and Macy’s And, many more! Your NAIFA membership can pay for itself! NAIFA can also help you reduce your business expenses with discounted products and services through its Preferred Providers program. By utilizing just these benefits, your NAIFA membership can pay for itself.

Protect your career with NAIFA Membership NAIFA is “Career Insurance”. Studies show: NAIFA members make more money than non-members. What is the value of your future earnings in your career? How much are you willing to pay to ensure that your career can stay on track? NAIFA is your Career Insurance. And it’s true: Studies conducted by member companies show that NAIFA members make more money that non-members. It pays to be a member of NAIFA. How much are you willing to pay to ensure that your career can stay on track?

NAIFA’s Strength Comprised of over 500 state and local associations Representing the interests of 200,000 members and their associates nationwide working in one or more of the following practice areas: - life insurance and annuities - health and employee benefits - multiline - financial advising and investments

Why Join NAIFA? Grow your business Protect your career Save money

Join Today! Thank you! (name) (title) (phone) (email) Please visit www.NAIFA.org to join, renew, or get more information. I am proud to be a member and a leader of NAIFA (insert personal NAIFA story). Close by asking for their support and sharing personal contact information.