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Insurance Newscast's 2011 List Of The 100 Most Powerful People In The Insurance Industry Susan B. Waters, EDM, CAE Chief Executive Officer, NAIFA NAIFA – Power and Influence

NAIFA’s Mission NAIFA keeps you in business Advocacy: Legislation & Regulation NAIFA helps you grow your business Professional Development, Member Benefits & the Largest Industry Network in the Country NAIFA promotes ethical business practices NAIFA Code of Ethics

Founded in 1890, The oldest and most recognized association in the industry NAIFA further developed industry support by creating: About NAIFA: The American College – 1927 Million Dollar Round Table (MDRT) – 1927 Life Underwriter Training Council (LUTC) – 1947 GAMA – 1951 Association for Advanced Life Underwriting (AALU) – 1957 Association of Health Insurance Agents (AHIA) – 1990 LIFE (Charter Member) – 1994 Leadership in Life Institute (LILI) – 2000

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Advocacy: NAIFA’s Roots In 1913, NAIFA leadership met with President Wilson and Congressional leaders to establish the principles that lead to the modern life insurance industry: Tax-Free Death Benefits Inside Build-Up Tax-Free Dividends

There is a NAIFA member in every Congressional and Legislative district in the country who is a voter, tax payer and job creator. No other association, organization or company can make that claim. NAIFA Advocacy Protects Our Industry

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 grasstops NAIFA members serving as constituent lobbyists leveraging key relationships with elected officials nationwide

Rep. Jim Himes (D-Conn.) with NAIFA President Robert Miller and other members of NAIFA-Connecticut NAIFA Advocacy Protects Our Industry

Sen. Marco Rubio (R-Fla.) with members of NAIFA-Florida NAIFA Advocacy Protects Our Industry

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. Advocacy: NAIFA Wins

Some of the biggest successes in industry advocacy are measured in laws that never see the light of day. Health Care Reform Act 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

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 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% HI Tax on Annuity Payments and Life Insurance Surrenders Cost to clients Health Care Reform Act

Standard of Care NAIFA is working to ensure agents aren’t regulated by a one-size-fits-all fiduciary standard of care. STOLI & STATs Protecting the integrity of our industry. Other Issues:

NAIFA’s Government Relations Team stays in touch: NAIFA Blog Newsletters (GovTalk, GovWatch, GovAlert) Twitter and LinkedIn NAIFA Advocacy Protects Our Industry

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Your Career: NAIFA’s Mission 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 insure that your career can continue?

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NAIFA’s Advisor Today Magazine and Podcasts NAIFA Virtual Library NAIFA Monthly Webinar Series NAIFA Online Seminar Series NAIFA ClientCast™ by Real Wealth® Free Member Benefits

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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 Professional Programs

Networking The mission of the Young Advisors Team (YAT): SOW the value of membership with new and young advisors, so they are empowered to SURVIVE their first years in the business, to GROW into involved NAIFA members and become successful advisors who THRIVE in the industry and our association.

Young Advisor Team 2011 Leader of the Year Brock T. Jolly CFP, CLU, ChFC, CASL, CLTC Networking

State and local events LILI Alumni Networks The NAIFA Blog, Twitter, LinkedIn, Facebook NAIFA Coaches Sales – Robert A. Artz, CLU, ChFC Marketing – Stan Hustad Practice Development – Norm Trainor Networking

NAIFA: More than 600 state and local associations Represents the interests of 200,000 members and their associates nationwide Networking

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