May 2011 - American Income Life

spotlightMay 2011 Vol. 44 No. 05STATE GENERAL AGENTthePinnacleofOpportunityUnlimitedREGIONAL GENERAL AGENTMASTER GENERAL AGENTGENERAL AGENTSUPERVISING AGENTAGENTA monthly publication spotlighting top producers of American Income Life and National Income Life

InsightNews PageRoger SmithPresident & CEOAIL & NILICOspotlightPublished monthly byAmerican Income LifeInsurance Company for thedissemination of informationto its Producers. Priorpermission must be obtainedfrom American Income forreproduction or other use ofmaterial herein.Managing EditorSam Yarbroughsyarbrough@ailife.comsga career trackNew Markets Opening& ExpandingThere is a growing need for ambitious leaders.AIL/NILICO is looking for MGAs and GAs wantingto pursue the SGA Career Track. If you areinterested, speak to your SGA, then send an email to:futuresga@ailife.com.conventionwebsitepg. 04leadershipacademyGive It Away“ Your greatness is not what you have, it’s what you give.” — UnknownI’ve said many times that one of the greatest joys of leadership is theopportunity to help others succeed. I’m reminded of this each timeI have the pleasure to speak at a training session such as the recentLeadership Academy 301: Top Gun, held at the McKinney campus.The eagerness, excitement and passion I see in their faces reflects backon me, and I always feel as if I am the one that has benefitted mostfrom having shared my time and experience.As rewarding as it is, you’d be surprised how many people don’t showan aptitude for helping others succeed. There can be numerous reasonsfor this, from pride to insecurity. Probably the most common issuewith helping others succeed is that it takes time and effort. It’s easyto become stressed out trying to maximize our own progress, andmistakenly decide we haven’t the time or energy to help others blossom.The truth is that sharing what you know comes back to you, and youreap rewards disproportionate to that which you sow.I challenge each of you today to reach out and share what you know.Regardless of where you are today, few of us can say we got here by ourefforts alone. Where would we be if one or more people hadn’t givengenerously of themselves to help us?Having someone invest in another’s success speeds the development ofthat person by two to three times than if one had to rely on trial-anderrorand hard knocks. The act of sharing your knowledge and experiencebrings numerous advantages not only to the recipient, but to the giver aswell. Why? When we coach someone else, we are subconsciously coachingourselves and building leadership skills. In addition, you may receiveinformation and a point of view that you might not otherwise get from anyother source. Those we help become mirrors, and helping more than oneperson helps give you a fuller, more realistic reflection.Taking time out of your schedule to help other people adds perspectiveand helps prevent burnout. Thinking about what someone could becomewith your help can be a welcome break from day-to-day pressures. Youwill find yourself looking forward to your “helping time,” once you get inthe habit.Be accessible. Many people insulate themselves to help manage time. AsI told the Top Guns, when you are accessible, you demonstrate that youcare, and it translates into improved morale, and increased productivity.We all go through difficult periods both professionally and personally.When you reach out with moral support during these times, it makes ahuge difference.Investing in the success of others is just that: an investment. You willfind, as I have, that the payoff is substantially more than the investment.It is your responsibility. It is your destiny. It is your legacy. It is the rightthing to do.Writer & Copy EditorLeah Frylcfry@ailife.comLead DesignerAnnalee MacFieamacfie@ailife.comContributorsKaren Cannard-CurtisPaula ClementsLana GiebeJoe JuarezMary LampertAngel HendersonLisa LaValleyMuñeca Moody-YanezPat NevarezLinda ResendezAmy RiveraTeri PorterRobyn TalleySandy YergerRhonda YorkHome Office254-761-6400Web Siteswww.ailife.comwww.nilife.comwww.mylifeatail.comwww.mylifeatnilico.comwww.ailacademy.comwww.ailnews.comSocial Mediahttp://twitter.com/AIL-NILICOhttp://tinyurl.com/AIL-NILICOFacebookRecruiting Supportwww.ailife.com/recruiting© 2011 by American IncomeLife Insurance Companytotal bonuses paid outThis month AIL and NILICO paid a total of $2,268,166in bonuses. For more information on the monthlybonuses, turn to Page 04.Total: $2,268,166required retention rateEffective Jan. 1, 2011, to be eligible for bonuses andbe featured in Spotlight, Producers must meet therequired Retention or the minimum Net to Gross. Netto Gross varies based on bonus guidelines and is usedonly during the Producer’s first eight months. The rateslisted below are for Spotlight recognition only.Retention: 68.0%Net to Gross: 78%dates to remembereApp business should be uploaded to Home Office byThursday 06/23 before 2:00 P.M. CST. Paper apps andPR credits must be at HO by Tuesday 06/28 to countfor June production.pg. 06newdirectorspg. 09habitat forhumanitypg. 11sgaopportunitypg. 12lookfor me!LOOK FOR THE ASTERISKThe asterisks, shown throughout the magazine, indicate that place will be a year-to-date award winner. The Producers,who will be recognized at the 2012 Awards Presentation, are: the top SGA from each category based on YTD First SixMonth Objective Percentage plus YTD Net ALP growth percentage, the top two PR Representatives from each category,the top two RGAs, the top five MGAs, the top five GAs, the top SA, and the top ten Individual Producers. You can view the2012 Convention Qualifications online at www.ailife.com or www.nilife.com. Check your production! If there is an asteriskby your position, you could be on your way to the Hard Rock Hotel & Casino in Punta Cana, Dominican Republic! Theconvention will be held May 22-25, 2012.02 Spotlight May 2011 Make the DifferenceFPO

BonusOutlookLEADERSHIP BONUSQualifier Amount SGABen Halali $41,823 Jatoft-FotiMatthew Parks 23,072 Surace-SmithErnesto Magat 22,074 Jatoft-FotiGil Legarte 21,400 Jatoft-FotiTaina Lameko 20,554 Steve FriedlanderPatrick Bendure 19,392 Surace-SmithJason Bratin 18,946 Theodore PappasSimon Rolland 18,303 Steve FriedlanderMichael Vasu 18,025 Surace-SmithJustin Adams 17,446 Simon AriasAlexRolandSGA Tenure

DirectionLEADERSHIP ACADEMYThe 2011 Leadership Academy training sessions are well underway!Leadership 201: Building For Ownership, led by KevinDunn, was held the last week in April. Close to fortyattendees polished their leadership skills.More than twenty future leaders were on hand forLeadership 301: Top Gun, led by Larry Strong, held thefirst week of May.The next opportunity will be Leadership 101: Fundamentalsof Agency Building the week of June 20th, and led byRobert Gray. If you are interested in attending, talk to yourSGA. Deadline for registration is June 6th.“LDS 201 was what I needed. I love leading and helpingpeople and changing people’s lives. My focus now will beon recruiting alone and I will have a pipeline of 20 peopleby June 1st — and then, the sky is the limit!” — MarkoJankovic, Cohen-Cohen AgencyThe “Track”Larry StrongVice President ofAgency Leadership DevelopmentWe use the term “track” a lot at American Income and NationalIncome. Just a few examples are, “How are you tracking your plan toreach your sales goals?” “We have a proven success track developedover many years that will virtually guarantee your success if you workit!” “Our agency has 2 career tracks: one for career agents and theother for those who desire to become an Agency Builder.” There aremany more but you get the point, right?The “TRACK,” as it relates to AIL/NILICO, might be defined as“the course or path along which your career moves and progresses.”This month’s issue of Spotlight highlights the fulfillment of thefield leadership and agency building track — the position of StateGeneral Agent. And what a phenomenal destination that is!The SGA position stands head-and-shoulders above any other fieldcontract I have ever seen, in terms of wealth building. And, of course,there is no amount of advance commissions and renewals that canoutweigh the profound benefits of making a positive impact on asmany lives as you do at the SGA level.DorianOldhamSGA Tenure

Anniversaries32 Years of ServiceJoe Manone, SGA16 Years of ServiceSteve Hartman, SGALawrence Hauck, Agt15 Years of ServiceDurhon Oldham, SGAIlija Orlovic, SGA12 Years of ServiceTheresa Bellajaro, AgtDavid Iriye, MGA11 Years of ServiceTimothy Clark, GAAllan Jennings, SGA10 Years of ServiceJames Bailey, SGAJoe Diecedue, SGASteven Greer, SGAPatricia Lee, AgtJim Read, Agt9 Years of ServiceTravis Vandeberghe, Agt8 Years of ServiceWilliam Bell, PRJoAnne Marks, AgtCheryl McLean, MGAJay Meyer, MGALily Tchen, Agt7 Years of ServiceAllison Bankowski, AgtLevar Morgan, RGA6 Years of ServiceJames Aalders, GAThomas Craig, AgtPromotions5 Years of ServiceBenjamin Ainscough, SALarry Bolinske, AgtMatthew Cartwright, GAGregory Hayman, AgtDaven Hermosura, RGAGlyn Hurst, GAJose Lopes, MGALaura McCurry, MGA4 Years of ServiceAmy Buskas, AgtEric Cochran, SGAGregory Easley, MGALazarus Echeta, AgtLuay Ghawi, RGARoghie Hassan Loo, AgtStephen Hill, RGAKevin Ishikane, RGAAlbert Kunsman, AgtDavid T Ramirez, Agt3 Years of ServiceAnthony Anderson, GABrent Arbour, GABrenton Betts, RGASharon Brenner, MGADustin Dunlap, GAJose Harb, AgtAbolfazl Mohammadi, AgtDavid Moir, SAIlona Patterson, AgtDason Phaul, AgtJessica Santamarina, GABilly Wilder, MGA2 Years of ServiceMark Akler, AgtChristopher Anene, SATerrence Asuncion, AgtSandra Bailey, GARichard Becker, AgtRobert Black, AgtRita Charles, GAJuan J de la Cruz, GASteven Haberman, SAChristopher Hendrix, MGADavid Higa, SAMarko Jankovic, MGADeborah Johnson, MGARichard Lepis, MGASteve Marker, SASammar Miqbel, AgtChristian Napiza, AgtSale Papu, SAMatthew Parks, MGAApril Rhodes-Colts, AgtRobyn Stewart, AgtAlanna Swenson, AgtKiet Truong, MGASally Wilson, SA1 Year of ServiceMichael Ackerman, MGASione Aholoka, GABrian Allt, GAGeorge Angulo, AgtAurora Arevalo, AgtRaquel Baldwin, RGALoushon Barrett, AgtRobert Chun, MGAAna Cobo, AgtSalvatore D’Alessandro, SAKalina Filimoeatu, AgtDwight Gradolph, AgtBret Green, MGAThomas Harris, SAErik Hulick, GAElena Ivanova, AgtEmogene Jackson, AgtDarrell Jones, MGASarai Juarez, SALineti Kanongataa, SAJason Lassic, MGALatutama Lavulo, AgtJeffrey Lewis, AgtJoshua Merson, AgtMaurice Montgomery, AgtChauncey Moore, SATony Nguyen, MGAJohn Ophals, MGALars Rodal, GADonald Ronia, AgtVishwanath Sankaran, AgtKyle Siskowic, SANatasha Skidds, SAAlejandro Soto, GAThomas Strickland, AgtKatie Strong, SAJustin Toland, SAAlafou Tupuola, SAFlorist Vaki, AgtRichard Vandermallie, AgtJohn Velardo, SABleys Wright, AgtNew DirectorsJeffGessnerJeff comes to us with 11 years experience in theinsurance industry as a field sales agent, andas a district and regional manager. Before hisinsurance career, he founded a retail business.Jeff originally intended to join the field sales force,but fellow Directors Martin Groves and KevinDunn recognized his abilities and convinced himto take a different path. Jeff, wife Stephanie, sonAustin, and daughters Hannah and Alyssa live inSt. Louis.DennisMcCombDennis brings to AIL 16 years experience withvarious Torchmark affiliate companies and a totalof 28 years in the insurance business. He’s done itall: field sales, field management, and home officemanagement. Dennis says that when he met withAIL’s senior management, he was impressed with“their entrepreneurial attitude and willingness toeach play a role in the success of every personin the Company.” Dennis is based in Indianapolis.REGIONAL GENERAL AGENTRichard CorreaMathew HartPatrick MoranRyan NeelSimon RollandJavier SandovalNorman SellenBob WingateMASTER GENERAL AGENTSarai CastanonSteven CoxLamine DiakhateAaron GarciaElisha KonieczkaMark KukielskiCharles McMainAndrea NicholsRyan ReausawKevin RendonOfa TupouniuaMatthew TurnquistNicolas UllmannBrian Welsh60% GENERAL AGENTJackie AlstonBrent ArbourJeremiah ArellanoMatthew BarrionChance ClaussDennis ConwellMatthew DavidsonJuan J de la CruzDebbie EzernackKari JonesKody KarhlikerKody KrammeRichard LyddonMarshall MillerMyron MontanoTimothy O’BrianLisa SandersDarcy SchrieberTyler Stansell08 Spotlight May 2011 Make the Difference57.5% GENERAL AGENTCharles BeltPaavo CymanowAlexander DaskalakisErik HulickSamy JacquesBradley KampmeierLydia LozanoNicholas PattersonGeorginna ThornhillDonna TremaineTevita TupouniuaPatricia WeaverMichael Whitehouse55% SUPERVISING AGENTDavid BarulichEmily BraswellAlbert CooperKristopher DemersAntonio EvansThomas FelicciardiRussell FlyntMichelle HolmanSean KiersztynBenjamin KingsburyKeith MaisonCraig MartinTroy MastersDonald McDonaldKateen MorrisWilliam PruittBenjamin RandleAraksya ShahinyaJames SmolenScott StreeterDainelle WhitmanAmanda Zophin52.5% SUPERVISING AGENTPamela AltmanGrant AndertonMichael ArchibaldLatanya BanksDominic BavaroJim BerryFelicia BlackAaron BoothGursandeep BoparaiAdam BrunoJayna BurksPaul BurrowsChristopher ButcherDerrick CampbellTina CharestRyan DaCruzCarol DiddleRyan FickertCalvanetta FranklinLuis GaribayBrian GiffinJames GreenGerald HarrisBrian JeromeLori JonesMichael JonesMary KerehomaJarvis LawsonTraci LeonardChin LongJamie LovejoyDavid MalingerMikhail MatrakchineTyler McBrideMichael McGrueJudith McLarenChauncey MooreJanessa MorganErik MoseidCandy NeumanAnthony OgletreeKelly OlsonCarmelita OroscoBrandon OverlieDavid PenaFehia PeteloSophie PortilloConrad RandolphDaniel RappPhilip RoffiSteven RossEugene RuckleRyan RuizTimothy SalleeAngel SanchezRobert SpurlockKyle TaylorLisa ThavesRussell TrujilloSara VazEllahe VaziriMatthew VegliaKathleen WareChristine WeatherspoonAshley WenningWillette WhiteBeth WieseKascey WilliamsonMarcusSmithSGA Tenure 5 yearsI was blessed and very fortunate that I became an SGA.It was because of Jim Surace that I became an SGA,as he gave me the opportunity to partner with him inthe agency I grew up in. Influence, entrepreneurship,ownership, creating a winning culture, changing younglives with positive, life-changing leadership guidance,impacting the company internationally — these arewhat I love about the SGA opportunity. There’s alsonothing wrong with the byproduct of our missionand purpose of changing lives: getting paid millions.DurhonOldhamSGA Tenure 9 yearsFor me, becoming an SGA with AIL/NILICO hasbeen the highlight of my professional career. It hasallowed me to run my own business and realizethe American Dream. Financially, it has affordedme a standard of living that I had never dreamedof. Additionally, the ten other SGAs whom I havepromoted, as well as the hundreds of otherswho have prospered from this organization, havereinforced the very real meaning of OpportunityUnlimited that this great company stands for.Make the Difference Spotlight May 2011 09

Founder’s Club April 2011 QualifiersOutstanding Producers & PR Representatives:New Orleans Habitat Project:One Year OutMatt FloresCohen-Cohen Agency2nd Qualification$74,645 Net ALP84.3% RetRobert UlreichJatoft-Foti Agency12th Qualification$57,972 Net ALP85.9% RetKevinDavisSGA Tenure

STATE GENERAL AGENTAS A NEW SGA,QUALIFY FOR UP TO A$25,000 PERSONALSIGN-ON CASHBONUS, ABOVE ANDBEYOND START-UPFINANCING!GET ON THE RADARBY RETURNING THECOMMITMENTCARD AND TALKINGTO YOUR SGA!27 YEARS SGA TENUREJimSuraceSGA is an amazingposition of influencewhere you get to buildriches, all while changingthe world by impactingand changing lives. Theposition has allowedme to fulfill a purposegreater than myselfand an income that willextend to and impactgenerations. For me,these few sentencescapsulize the depth ofwhat I feel about theSGA opportunity.UNDERSTANDING THE FINANCIAL IMPACT OF your CAREER TRACK3 YEARS SGA TENURE 2 YEARS SGA TENURE

Individual ProducersRankApril ProductionNameNet ALPNet to GrossRetentionMGASGARankYTD ProductionNameNet ALPNet to GrossRetentionMGASGAIceBreaker1. DiegoMadridConcord, CA7. DanielToshnerRedmond, WA13. KevinHoltzCleveland, OH19. DominiqueBertonciniSan Jose, CA2. ErezShabtayLos Angeles, CA8. DaisyKwongConcord, CA14. ShahnazTolouiLong Beach, CA20. RebeccaNajlisSan Jose, CA18 Spotlight May 2011 Make the Difference3. ToneMunroAuckland, NZ9. ZacharyHartMinneapolis, MN15. MaxQuasemLos Angeles, CA4. AmirSedaghatSurrey, BC10. KatieMassartcity Calgary, AB16. KyleWrobelCleveland, OH5. MattFloresLos Angeles, CA11. ChadDavisHalifax, NS17. LoraBeronjaMenomonee Fls, WIIceBreakersTiareHubbardHonolulu, HI$16,365 Net ALPJonathan Emura MGAAltig-Orlovic SGAIceBreakerVaMouaSan Jose, CA$12,925 Net ALPBen Halali MGAJatoft-Foti SGA6. AmyShuiEatontown, NJ12. BruceTanHonolulu, HIIceBreakerIceBreaker IceBreaker IceBreaker18. MarioNunezConcord, CAMilenaArceoSan Jose, CA$12,644 Net ALPBen Halali MGAJatoft-Foti SGAAn IceBreaker is a Producer who made his/her first sale in the last2 calendar months. We will recognize all IceBreakers in the Top 20Individual Producers list for the month, as well as the next Top 3 inthis category.1. Diego Madrid $37,649 100 Gil Legarte Jatoft-Foti2. Erez Shabtay 27,448 89.6 Cohen-Cohen3. Tone Munro 26,948 91.1 Norman Sellen Steve Friedlander4. Amir Sedaghat 25,762 87.2 Bobby Gujral Altig-Orlovic5. Matt Flores 25,608 84.3 Cohen-Cohen6. Amy Shui 25,281 77.9 Giglione-Ackerman7. Daniel Toshner 25,167 77.9 Joshua Olin Altig-Orlovic8. Daisy Kwong 24,516 95 Gil Legarte Jatoft-Foti9. Zachary Hart 24,170 87.8 Alt-Orl-Deley10. Katie Massart 23,793 78.0 Brenton Betts Altig-Orlovic11. Chad Davis 23,288 97 Haoyu Xu Imran Satti12. Bruce Tan 23,225 75.0 Christopher Clark Altig-Orlovic13. Kevin Holtz 22,501 70.9 Michael Vasu Surace-Smith14. Shahnaz Toloui 21,731 69.9 David Iriye Cohen-Cohen15. Max Quasem 21,491 76.5 Cohen-Cohen16. Kyle Wrobel 21,433 77.9 Michael Vasu Surace-Smith17. Lora Beronja 20,718 96 Darren Miller Joe Manone18. Mario Nunez 20,587 100 Gil Legarte Jatoft-Foti19. Dominique Bertoncini 20,295 81.4 Ben Halali Jatoft-Foti20. Rebecca Najlis 19,950 91.3 Ben Halali Jatoft-Foti21. Samson Adelufosi 19,934 86.6 Giglione-Ackerman22. Amanda Beyersdorff 19,920 73.3 Mathew Hart Surace-Smith23. Joshua Lenix 19,582 77.1 Michael Vasu Surace-Smith24. Kevin Ishikane 19,071 70.8 Daven Hermosura Altig-Orlovic25. Roghie Hassan Loo 18,438 73.1 Byron Paz Josh Chalom26. Lily Tchen 17,661 83.5 Cohen-Cohen27. Kristy Nguyen 17,524 87 Ernesto Magat Jatoft-Foti28. Steven Stensrud 17,510 71.3 John McGrath Altig-Orlovic29. Jose Harb 17,330 79.5 Ben Halali Jatoft-Foti30. Clayton Snow 17,065 70.0 Noel Ables Altig-Orlovic31. Maria Rocha 16,995 79.3 Ernesto Magat Jatoft-Foti32. Tiare Hubbard 16,365 93 Jonathan Emura Altig-Orlovic33. Viet Chung 16,281 81.5 Ben Halali Jatoft-Foti34. Richard Luzaich 15,801 72.7 Zachary Hart Altig-Orlovic-Deley35. AshLynn Orng 15,513 71.9 Altig-Orlovic36. Kalle Convery 15,482 82.7 Ronald Trombetta Simon Arias37. Ofa Pistor 15,462 100 Taina Lameko Steve Friedlander38. Seiloni Filimoehala 13,772 96 Siimon Rolland Steve Friedlander39. Robert Ulreich 15,373 85.9 Jatoft-Foti40. Viliamu Pula 15,098 98 Serah James Steve Friedlander41. Maria Ramirez 14,982 93 Carlo Bonifazi Bob Olson42. Luciana Mosca 14,825 87.9 Carlo Bonifazi Bob Olson43. Joseph Lasalle 14,798 71.5 John McGrath Altig-Orlovic44. Travis Picklesimer 14,726 76.8 Darron Hacker Surace-Smith45. Terrence Asuncion 14,607 83.8 Ernesto Magat Jatoft-Foti46. Omar Hashimi 14,327 71.0 Jatoft-Foti47. Bryant Hendley 14,088 78.2 Ryan Hall Steve Hartman48. Francois Telfort 14,018 98 Laura Fisher49. Akbar Hosseini 13,871 76.3 Ben Halali Jatoft-Foti50. Bryon Welch 13,830 96 Sara Welch Steve FriedlanderALL TIME RECORD: OFA TUPOUNIUA $87,000 Net ALP*1. Tone Munro $126,285 91.1 Norman Sellen Steve Friedlander*2. Rebecca Najlis 91,822 91.3 Ben Halali Jatoft-Foti*3. Shahnaz Toloui 81,930 69.9 David Iriye Cohen-Cohen*4. Amy Shui 80,289 77.9 Giglione-Ackerman*5. Erez Shabtay 77,997 89.6 Cohen-Cohen*6. Lily Tchen 76,077 83.5 Cohen-Cohen*7. Max Quasem 75,573 76.5 Cohen-Cohen*8. Matt Flores 74,646 84.3 Cohen-Cohen*9. Roghie Hassan Loo 70,722 73.1 Byron Paz Josh Chalom*10. Omar Hashimi 68,636 71.0 Jatoft-Foti11. Bruce Tan 67,715 75.0 Christopher Clark Altig-Orlovic12. Maria Rocha 66,941 79.3 Ernesto Magat Jatoft-Foti13. Kyle Wrobel 65,895 77.9 Michael Vasu Surace-Smith14. Joshua Lenix 64,483 77.1 Michael Vasu Surace-Smith15. Casey Sperzel 63,652 78.0 James Allen Travis Moody16. Viet Chung 63,376 81.5 Ben Halali Jatoft-Foti17. Viliamu Pula 62,787 98 Serah James Steve Friedlander18. Katie Massart 62,672 78.0 Brenton Betts Altig-Orlovic19. Kristy Nguyen 61,859 87 Ernesto Magat Jatoft-Foti20. Ala Awad 61,000 71.3 Ala Awad Alex Roland21. Amanda Beyersdorff 60,109 73.3 Mathew Hart Surace-Smith22. Francois Telfort 59,158 98 Ryan Hall Laura Fisher23. Robert Ulreich 57,973 85.9 Jatoft-Foti24. Justin Germany 57,939 79.3 Justin Germany Dan Rubio25. Kevin Ishikane 57,321 70.8 Daven Hermosura Altig-Orlovic26. Terrence Asuncion 56,489 83.8 Ernesto Magat Jatoft-Foti27. Ofa Pistor 55,822 100 Taina Lameko Steve Friedlander28. Ross Ewen 55,080 85.5 Scott Rehberg29. Steve Marker 54,354 74.6 Troy Plummer Altig-Orlovic-Hay30. Maria Duarte 53,903 79.8 Ben Halali Jatoft-Foti31. Ronald Rivera 53,776 89.1 Cohen-Cohen32. Zachary Hart 53,745 87.8 Alt-Orl-Deley33. Samvel Tigranyan 52,953 79.9 Erik Graham Cohen-Cohen34. Cherri Xie 51,982 74.7 Altig-Orlovic35. Kevin Holtz 51,602 70.9 Michael Vasu Surace-Smith36. Samantha Chui 51,251 84.5 Samantha Chui Matthew Hogan37. Christian Napiza 50,417 79.1 Ben Halali Jatoft-Foti38. Samson Adelufosi 50,257 86.6 Giglione-Ackerman39. Wendy Ornelas 49,637 89 Mario Greene Jatoft-Foti40. Peter Hudousek 49,309 88.2 Ryan Bisanz Altig-Orlovic-Traboulay41. Ed Olfert 49,142 81.5 Altig-Orlovic42. Elias Hazen 49,107 84.9 Darron Hacker Surace-Smith43. Luciana Mosca 48,979 87.9 Carlo Bonifazi Bob Olson44. Ivana Ofakineiafu 48,723 75.5 Stephen Hill Steve Friedlander45. Omarh Torio 48,449 78.9 Ben Halali Jatoft-Foti46. Kelly Ryan 48,154 96 Patrick Bendure Surace-Smith47. Mark Akler 48,014 82.2 Byron Paz Josh Chalom48. Lora Beronja 47,950 96 Darron Hacker Joe Manone49. Akbar Hosseini 47,680 76.3 Ben Halali Jatoft-Foti50. Jose Harb 47,245 79.5 Ben Halali Jatoft-FotiALL TIME RECORD: OFA TUPOUNIUA $392,550 Net ALP

Supervising AgentsRankApril ProductionName1st Six Mo AgtNet ALPNet to GrossRetentionMGASGARankYTD ProductionName1st Six Mo AgtNet ALPNet to GrossRetentionMGASGA1. Erik Boyd $30,005 $37,171 68.0 Marisa Willgruber Fred Hadayia*1. Henry Briggs $99,379 $109,014 96 Taina Lameko Steve Friedlander2. Bryon Welch 28,326 42,031 96 Sara Welch Steve Friedlander2. Bryon Welch 96,737 127,712 96 Sara Welch Steve Friedlander3. Matthew Cosic 26,365 36,906 97 Michael Vasu Surace-Smith3. Val Aiono 77,280 90,894 94 Theresa Setefano Steve Friedlander4. Andrew Dailey 26,358 31,510 95 Brett Gryska Oldham-Bianchi4. Jeremie Dupuis 76,402 77,886 89 Daniel Orr Imran Satti5. Ryan O'Malley 24,002 31,213 93 Haoyu Xu Imran Satti5. Ryan O'Malley 70,483 108,491 93 Haoyu Xu Imran Satti6. Thomas Yarbrough 22,322 25,290 82.4 Andrea Nichols Oldham-Bianchi6. Steven Rotherforth 60,766 108,840 79.1 Stephen Jubrey Oldham-Bianchi1. ErikBoydPlymouth Mtg., PA2. BryonWelchAuckland, NZ3. MatthewCosicCleveland, OH4. AndrewDaileyRochester, NY5. RyanO’MalleyHalifax, NS7. Senelinah Talamaivao 21,680 24,601 95 Taina Lameko Steve Friedlander8. Val Aiono 20,888 21,875 94 Theresa Setefano Steve Friedlander9. Jeremie Dupuis 20,387 20,679 89 Daniel Orr Imran Satti10. Ali Zaidi 18,916 22,473 87 Jason Bratin Theodore Pappas7. Andrew Dailey 59,967 71,754 95 Brett Gryska Oldham-Bianchi8. Ivana Ofakineiafu 54,740 99,058 95 Stephen Hill Steve Friedlander9. Christopher Newman 52,395 76,122 79.0 Michael Vasu Surace-Smith10. Erik Boyd 49,367 74,824 68.0 Marissa Willgruber Fred HadayiaALL TIME RECORD: KRISTY NGUYEN $121,960 1st Six Mo AgtALL TIME RECORD: KRAIG JILGE $186,373 Net ALPALL TIME RECORD: KRAIG JILGE $501,643 1st Six Mo AgtALL TIME RECORD: KRAIG JILGE $959,675 Net ALPGeneral AgentsRankNameApril Production1st Six Mo AgtNet ALPNet to GrossRetentionMGASGARankNameYTD Production1st Six Mo AgtNet ALPNet to GrossRetentionMGASGA1. Cecilia Asopardo $101,944 $103,809 90 Gil Legarte Jatoft-Foti*1. Sione Aholoka $261,113 $288,457 99 Serah James Steve Friedlander2. Sione Aholoka 68,646 75,075 98 Serah James Steve Friedlander*2. Siupeli Tuitupou 234,212 190,117 68.4 William Smith Steve Friedlander3. Kraig Jilge 59,994 122,867 72.0 Ben Halali Jatoft-Foti*3. Mapa Vaki 232,168 303,148 89 Taina Lameko Steve Friedlander4. John Setu 58,463 75,158 77.7 Simon Rolland Steve Friedlander*4. Kraig Jilge 223,245 435,948 72.0 Ben Halali Jatoft-Foti5. Mark Wyner 52,593 56,075 90 Sabrina Lloyd*5. Amosa Faamanu 204,052 237,653 68.4 Taina Lameko Steve Friedlander6. Ariana Jones 51,436 66,563 91 Jason Bratin Theodore Pappas6. Karen Gagarin 176,901 310,251 78.3 Ernesto Magat Jatoft-Foti1. CeciliaAsopardoConcord, CA6. ArianaJonesFlushing, NY2. SioneAholokaAuckland, NZ7. MapaVakiAuckland, NZ3. KraigJilgeFresno, Ca8. SiupeliTuitupouAuckland, NZ4. JohnSetuAuckland, NZ9. KarenGagarinSan Jose, Ca5. MarkWynerOak Brook, IL10. KevinHoltzCleveland, OH7. Mapa Vaki 51,112 64,387 89 Taina Lameko Steve Friedlander8. Siupeli Tuitupou 49,795 49,795 68.4 William Smith Steve Friedlander9. Karen Gagarin 49,575 104,826 78.3 Ernesto Magat Jatoft-Foti10. Kevin Holtz 46,199 79,241 94 Michael Vasu Surace-Smith11. Karolina Debek 41,100 48,883 89 Sabrina Lloyd12. Dustin Dunlap 39,295 48,619 68.8 Patrick Bendure Surace-Smith13. Aaron Parks 38,610 44,673 77.2 Justin Adams Simon Arias14. Ronald Rennich 36,632 53,225 83.0 Matthew Diulus Simon Arias15. Sosefo Petelo 32,647 41,343 94 Lorenzo Lameko Steve Friedlander16. Nasr Quadri 32,414 40,480 97 Syed Quadri Theodore Pappas17. William Parmeter 30,528 50,509 72.0 Hal Herman Oldham-Bianchi18. Kirk Waters 27,849 38,796 93 Dmitriy Kagan Slav Bitman19. Kyle Wrobel 27,694 81,839 87 Michael Vasu Surace-Smith20. Baylee Burrowes 27,486 37,512 92 Danielle Jankowski Michael Libassi7. Siupeli Tuitupou 162,737 102,852 68.4 William Smith Steve Friedlander8. Sione Kanongataa 144,686 203,613 77.5 Serah James Steve Friedlander9. John Setu 143,814 179,591 96 Simon Rolland Steve Friedlander10. Cecilia Asopardo 140,181 181,516 90 Gil Legarte Jatoft-Foti11. Dustin Dunlap 139,582 190,361 68.8 Patrick Bendure Surace-Smith12. Sosefo Petelo 133,162 186,482 94 Lorenzo Lameko Steve Friedlander13. Aaron Parks 127,385 153,823 77.2 Justin Adams Simon Arias14. Seini Mafi 118,798 151,567 96 Taina Lameko Steve Friedlander15. Ronald Rennich 116,528 115,471 83.0 Matthew Diulus Simon Arias16. Karolina Debek 107,834 131,837 89 Sabrina Lloyd17. Michael Matteo 105,792 141,822 68.4 Brett Grsyka Oldham-Bianchi18. Brian Allt 102,437 111,681 69.3 Haoyu Xu Imran Satti19. Ariana Jones 100,295 135,732 91 Jason Bratin Theodore Pappas20. Kevin Holtz 99,491 197,998 94 Michael Vasu Surace-SmithALL TIME RECORD: SITA PEREIRA $244,444 1st Six Mo AgtALL TIME RECORD: TAINA LAMEKO $1,319,496 1st Six Mo AgtALL TIME RECORD: SITA PEREIRA $286,946 Net ALPALL TIME RECORD: TAINA LAMEKO $1,522,976 Net ALP16 Spotlight May 2011 Make the Difference Make the Difference Spotlight May 2011 17

Master General AgentsRankApril ProductionName1st Six Mo AgtNet ALPNet to GrossRetentionSGARankYTD ProductionName1st Six Mo AgtNet ALPNet to GrossRetentionSGA1. Jason Bratin $102,443 $141,277 73.8 Theodore Pappas2. Gil Legarte 101,944 113,172 70.2 Jatoft-Foti*1. Taina Lameko $592,017 $741,331 69.6 Steve Friedlander*2. Serah James 313,603 406,160 68.9 Steve Friedlander3. Ben Halali 86,888 298,959 73.3 Jatoft-Foti*3. Jason Bratin 310,756 436,259 73.8 Theodore Pappas4. Michael Vasu 82,104 201,894 72.0 Surace-Smith*4. Patrick Bendure 305,755 672,675 70.2 Surace-Smith5. Matthew Parks 80,668 137,081 68.0 Surace-Smith*5. Ben Halali 296,500 1,159,686 73.3 Jatoft-Foti6. Matthew Diulus 77,760 100,567 74.2 Simon Arias6. Javier Sandoval 268,946 362,790 71.5 Steve DiChiaro1. JasonBratinFlushing, NY2. GilLegarteConcord, CA3. BenHalaliSan Jose, CA4. MichaelVasuCleveland, OH5. MatthewParksCleveland, OH7. Patrick Bendure 73,131 161,149 70.2 Surace-Smith8. Stephen Hill 69,699 130,556 79.7 Steve Friedlander9. Taina Lameko 68,195 109,904 69.6 Steve Friedlander10. Serah James 67,079 89,114 68.9 Steve Friedlander7. Stephen Hill 262,421 592,713 79.7 Steve Friedlander8. Matthew Parks 257,466 381,104 68.0 Surace-Smith9. Lorenzo Lameko 255,647 400,841 69.5 Steve Friedlander10. Simon Rolland 255,550 360,002 73.0 Steve Friedlander11. Simon Rolland 66,921 112,529 73.0 Steve Friedlander11. Michael Vasu 248,538 625,087 72.0 Surace-Smith12. Samuel Cohen 57,616 106,450 68.1 Fred Hadayia12. Matthew Diulus 230,784 301,452 74.2 Simon Arias13. Levar Morgan 55,446 91,974 70.4 Theodore Pappas13. Samuel Cohen 215,625 403,131 68.1 Fred Hadayia14. Hal Herman 52,540 96,481 72.6 Oldham-Bianchi14. William Smith 212,954 209,908 70.2 Steve Friedlander15. Daniel Hartwig 50,997 57,977 72.1 Surace-Smith15. Stephen Jubrey 212,549 501,702 73.4 Oldham-Bianchi16. Ernesto Magat 49,575 134,457 78.2 Jatoft-Foti16. Levar Morgan 178,355 260,863 70.4 Theodore Pappas6. MatthewDiulusPittsburgh, PA7. PatrickBendureColumbus, OH8. StephenHillAuckland, NZ9. TainaLamekoAuckland, NZ10. SerahJamesAuckland, NZ17. Javier Sandoval 47,367 77,350 71.5 Steve DiChiaro18. Michael Romeo 43,935 78,946 76.3 Oldham-Bianchi19. Haoyu Xu 43,237 53,146 68.9 Imran Satti20. Kiet Truong 42,055 47,026 73.2 Cohen-Cohen17. Ernesto Magat 176,901 433,681 78.2 Jatoft-Foti18. Daniel Hartwig 174,457 286,293 72.1 Surace-Smith19. Haoyu Xu 173,335 188,122 68.9 Imran Satti20. Michael Romeo 166,960 301,573 76.3 Oldham-BianchiALL TIME RECORD: JEFF RIBMAN $326,483 1st Six Mo AgtALL TIME RECORD: STEPHEN HILL $2,476,896 1st Six Mo AgtALL TIME RECORD: BEN HALALI $414,351 Net ALPALL TIME RECORD: BEN HALALI $3,364,819 Net ALPRegional General AgentsRankNameApril Production1st Six Mo AgtNet ALPNet to GrossRetentionSGARankNameYTD Production1st Six Mo AgtNet ALPNet to GrossRetentionSGA1. Taina Lameko $251,891 $393,167 74.0 Steve Friedlander*1. Taina Lameko $1,644,648 $2,349,639 74.0 Steve Friedlander2. Ben Halali 176,195 522,868 74.5 Jatoft-Foti*2. Ben Halali 665,138 1,920,283 74.5 Jatoft-Foti3. Thomas Vena 169,275 259,557 80.0 Simon Arias3. Brett Gryska 564,061 1,176,888 70.0 Oldham-Bianchi4. Bo Gentile 160,741 250,743 91 Williams-Zophin4. Thomas Vena 550,520 926,400 80.0 Simon Arias5. Justin Adams 142,630 188,327 71.0 Simon Arias5. Stephen Hill 525,380 962,529 79.9 Steve Friedlander6. Stephen Hill 125,169 216,123 79.9 Steve Friedlander6. Justin Adams 511,012 747,297 71.0 Simon Arias1. TainaLamekoAuckland, NZ2. BenHalaliSan Jose, CA3. ThomasVenaPittsburgh, PA4. BoGentilePlantation, FL5. JustinAdamsPittsburgh, PA7. Jason Bratin 123,646 177,699 73.8 Theodore Pappas8. Brett Gryska 123,321 260,358 70.0 Oldham-Bianchi9. Michael Vasu 114,575 260,634 69.8 Surace-Smith10. Patrick Bendure 109,711 228,670 71.6 Surace-SmithALL TIME RECORD: TAINA LAMEKO $623,266 1st Six Mo AgtALL TIME RECORD: TAINA LAMEKO $890,826 Net ALP7. Patrick Bendure 433,843 952,303 71.6 Surace-Smith8. Bo Gentile 427,702 720,197 91 Williams-Zophin9. Jason Bratin 408,543 578,004 73.8 Theodore Pappas10. Lorenzo Lameko 386,109 601,959 69.9 Steve FriedlanderALL TIME RECORD: TAINA LAMEKO $5,230,627 1st Six Mo AgtALL TIME RECORD: TAINA LAMEKO $7,822,932 Net ALP18 Spotlight May 2011 Make the Difference Make the Difference Spotlight May 2011 19

Public RelationsCategoryRankNameProductionin CardsTerritoryPerspective1. CasRobinsonCATEGORY INepean, ON2. RonaPileggi SpanoCATEGORY IChicago, IL1. RobinAndradeCATEGORY IIMalden, MAApril ProductionI 1. Cas Robinson 2,421 Ontario/Debbie Enstedt2. Rona Pileggi Spano 1,873 Chicago/Laurie Onasch3. Donald Spohn 1,775 Ohio/Tim Farr4. Jessica Treybick 1,626 New York City/Susan Fuldauer5. Malka Arony 1,403 Arizona/Rachelle ValdezII 1. Robin Andrade 3,191 Massachusetts/Laurie Onasch2. Jenny Williams 1,205 Washington/Laurie Onasch3. Carmella Stroud 1,114 Orlando/Patti Morgan4. Erica Dalager 1,047 Minnesota/Laurie Onasch5. Timothy Leary 1,022 New York State/Tim FarrIII 1. William Verbeten 2,702 Wisconsin/Laurie OnaschScott SmithExecutive Vice President& Chief Marketing OfficerRickAltigSGA Tenure 27 yearsThe American Income Life opportunity is the bestrisk/reward position in North America. After 27years as an SGA it only keeps getting better. If youhave a desire to play at the top of the business world,the State General Agent position is the pinnacle.2. David Blaisdell 1,714 Tennessee/Patti Morgan3. Mario Soljan 1,447 Steve Friedlander4. Katherine Kidder 1,061 Pennsylvania/Tim Farr5. Patrena Smith 1,040 Connecticut/Laurie OnaschIV 1. Steven Orcherton 1,330 British Columbia/Debbie Enstedt2. Diane Caballero 924 Oklahoma/Susan FuldauerThe Pinnacleyou got. The Company must promote more State General Agents toachieve its aggressive growth goals.2. JennyWilliamsCATEGORY IISeattle, WARookieTamaraWilliamsIndianapolis, IN1. WilliamVerbetenCATEGORY IIIMilwaukee, WI1. StevenOrchertonCATEGORY IVVictoria, BC2. DavidBlaisdellCATEGORY IIIGoodlettsville, TN2. DianeCaballeroCATEGORY IVOklahoma City, OKPublic Relations categories are as follows:Category Population1 over 8,500,0002 6,500,000 to 8,499,9993 4,000,000 to 6,499,9994 Under 4,000,000ROOKIE:IceBreakerRichardJonesSan Antonio, TXReps with 2010 Hire DateICEBREAKER: Reps with 2011 Hire DateTop ManagerBillySauersNew York, NYYTD Production3. Paul Winslow 856 St Louis/Patti Morgan4. Sandra Knapp 838 Wisconsin/Laurie Onasch5. Laurie Gruber 761 Wisconsin/Laurie OnaschRookie 1. Tamara Williams 778 Indiana/Susan FuldauerIceBreaker 1. Richard Jones 356 San Antonio/Susan FuldauerManager 1. Billy Sauers +3,094 Susan Fuldauer2. Alina Latinsky +2,517 Rachelle Valdez3. Carmella Stroud +2,172 Patti MorganALL TIME PR CARD PRODUCTION RECORD: 18,960 CardsI *1. Chuck Hill 12,819 Northern California/Debbie Enstedt*2. Malka Arony 12,124 Arizona/Rachelle Valdez3. Mark Gagliardi 7,984 Northern California/Debbie Enstedt4. Rona Pileggi Spano 7,071 Chicago/Laurie Onasch5. Kathleen Pappas 6,071 New York City/Susan FuldauerII *1. Robin Andrade 9,802 Massachusetts/Laurie Onasch*2. Erica Dalager 4,628 Minnesota/Laurie Onasch3. J T Tasker 4,614 New York State/Tim Farr4. Bernard Weaver 4,108 Pennsylvania/Tim Farr5. Jessica Ingerick 3,709 District of Columbia/Laurie OnaschIII *1. Mario Soljan 8,988 Steve Friedlander*2. David Blaisdell 8,417 Tennessee/Patti Morgan3. Cheryl Cook 6,017 Pennsylvania/Tim Farr4. William Verbeten 5,545 Wisconsin/Laurie Onasch5. Katherine Kidder 4,720 Pennsylvania/Tim FarrIV *1. Kate Langthorn 6,860 Hawaii/Rachelle Valdez*2. Sandra Knapp 5,433 Wisconsin/Laurie Onasch3. Laurie Gruber 5,119 Wisconsin/Laurie Onasch4. Lori Vaughn 4,533 Oregon/Laurie Onasch5. Darrell Dorey 4,190 Maritimes/Debbie EnstedtALL TIME PR CARD PRODUCTION RECORD: DENISE BOWYER 61,879 CardsRemember when you were a kid, and wanted to be the boss?Remember the day you started at AIL, looked at your SGA, andwondered… maybe someday you, too?The State General Agent position isn’t for everyone. You must be theabsolute best-of-the-best. You must qualify. You must work like you havenever worked before. You can never let your foot off the pedal. And if allthat falls into place, you have earned your shot at financial prosperity.In this article of the Spotlight, we have presented an overview ofthe pinnacle of Opportunity Unlimited – State General Agent. Iwas a State General Agent, a member of the Executive Council ofState General Agents, and I provide leadership to the State GeneralAgents in my present capacity with American Income Life. Today,I’m very proud to have assumed the point role in evaluating andpromoting candidates who desire to achieve this contract level. Forall these reasons, I’m qualified to elaborate on why this issue of theSpotlight was assembled.First, the timing is right. For many years, the company had a cappednumber of State General Agents. This was because the SGAwas accountable for lead generation and Public Relations teamcontracting and development. You couldn’t have more than one SGAin a city because you couldn’t have two different PR Teams buttingheads. But when the company finished centralization in 2010 andbecame the sole provider of public relations efforts, it enabled theplacement of multiple State General Agents in the same territories.In areas where more than enough leads were being developed forjust one SGA, the Company placed additional SGAs. From 2007 to2010, the SGA count jumped from 43 to 70, and the company’s salesgrew almost fifty percent.The company has several positions open today. You can grow justtwo ways: one, get more from what you got; or two, get more of whatYou know that saying about the top one percent. Well, we currentlyhave about 4200 agents, so the top one percent of our companywould be about 42. The reality is that the top one percent isn’t readyto relocate and pursue the pinnacle. Many — rightly so — choose tolive in their present region to be near family. Many have great roleswith their current agencies and want to keep the status quo. Manyhave spouses in select occupations that cannot relocate. But manypotential candidates just don’t know enough about the opportunity.In the past, the culture of the Company has not stressed offeringOpportunity Unlimited as much of a priority. This facet of ourCompany is evolving. Offering Opportunity Unlimited by promotingan SGA needs to be the ultimate in leadership accomplishments.This change will take high energy and much time, and I’m highlycommitted to leading this change.Now and in the foreseeable future, there isn’t a better time to makeyourself a candidate. While this in no way ensures your promotion,our current system of financing, along with a promotion bonus of upto $25K for your personal use, a supportive and improved Directorsprogram to guide you, plus several significant lead inventories makethe timing right. When you become an SGA, you also get to bring amanager or two from your existing hierarchy to help you get startedwith recruiting and field training.While I would love to hear from you, we won’t even have an initialconversation unless your present SGA is a part of the process. Outof respect for the SGA body and their existing management teams,we won’t promote you unless your SGA has time to develop adequatereplacement(s) to fill your impending vacancy. It’s simply the rightthing to do. When you become a promoting SGA, the same courtesywill be extended to you.I sincerely hope this issue of the Spotlight clears the path for the bestof-the-bestconsidering climbing to the pinnacle.It’s not for everyone.22 Spotlight May 2011 Make the Difference Make the Difference Spotlight May 2011 23

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