Ps By SPOTLIG Pobre REDRESS nistPERSPECTIVE Catch the Wave ‘Towards the end of April, [eps chinking would it not be a monumental achievement to have baeketo-hack § months! Well, so much for thinking! Not only did you achieve back-to-hack $7 million months, but you collectively broke the recon set ir. March by writing over $7.5 million in prosluction. As ifthe record-breaking production month was not enough, we also passed the 1,800, mark in our field force count. Officially, we now have 1/85 reducers, which is the highest coune in American Income! year history. ‘As we look back over the last year-andl-a-half, ics bard not to notice that we have broken Company records left ond right. However, none have heen 28 significant as these lst two months. Back-to-back $7 million months — it is ama: This amazing achievement can be atzributed 10 each individual who isa part of American Income and Nacional Income. Each of you have not only seen, your personal goals realized, but you have seen just how far your individual efforts can take an ‘organization like ours. We ate well on our way to making our $75 million goal a reality, and if ‘we continue atthe pace we have ct we muy even blow $75 million right out ofthe water So, now as ve sec cut to finish llion the last evo quartes, it seems we ean Fide the wave of our success right to a second record-breaking year To most of you riding the wave seems simple enough. Really how hard can it be! Since January, we have gathered all ef our momentum in building cur wave, now the only thing we have to dois just wait for gravity to take aflect and pull us right into the hhome suetch. For the wave, scientifically, this is correct. Bat for us, che waveriders, it isa bit more challenging Have you ever heen surfing, or perhaps watched someone else surf? Basically, surfing is the same as waveriding. The wave (ana surfboard) is the vehicle which transports you to your destination, but ic is you who has ta do the work to get there From a distance surfing seems to be the ultimate r spot, ankl in turn surfers seem to have the ultimate laid-back FROM THE DESK OF Marketing Officer of ‘American Income Life “To strive, to seek, t0 find, and not to yield.” lifestyles. I mean, what more could anyone want out of life — the ocean, the sun, the surf, the sand, the fan and the tan! But ‘when you actually watch a surfer ar work, that first impression cles aslow death, In auth, surfing is anything bur la-back, Surfers have to analyze the weather, chart ocean patterns and examine wave heights. Then they have to pick the right time, the right day anil the right wave, Aru still, afterall chat, their work has only juse begun When the right wave comes along, they have to use their athletic prowess to jump the sun, slide the pipeline, feel the conditions and rip the foam to the shore. Once of dhote, the hhard work seems well worth i to see how far they traveled and ‘what they have accomplished. ‘Ac American Income and National Income, we ate at that stage ip xe growth for che year where we have analyzed, charted and examined Right now is the aight day the righ time and the right wave is upon us. Now, 2s waveriders, i is up tous t coke all thae we have Jeamed to generate our energy which is going to take us to $75 million and heyord Roger Smith President & Chief ‘Our Producers at AIL continue 10 Jearn andl grow with each passing year. Each of you has expanded your visions, broadened your limits and committed yourselves to working as a team. Coming together in search of a common goal is whar truly defines the spirit of American Income and National Inecme. Everyday you wake up, head out the door and go for it — itis just bac simple! You have pat your inhibitions asi, you have braved the ‘gauntlet, all to let the world know thac nothing can stand in your way of reaching your goals As we face the last vivo quarters of 2002, arid as we get ready 0 to ride our wave of success, i is important to remember that it will rake all of our skill and sales prowess to get on tap of the wave, Once there out work will have only just begun. But as you work your board and sight the shove in the clstance, just think about how good ic is going to feel ro look back to see just how for you have come. Lets Ride! Lord Alfred Tennyson SPOTLIGHT May 2002 WWWAILIESCOM BDITOR’S PAGE Dates to Remember Wednesday, May 29, 2002 All busines and BR. eres mest be seceved sn Waco (0 count for May prdhetion ‘Thursday, June 20 through Sunday, June 23, 2002 Convention at Crests Pla nv Las Vegi, Neva Wednesday, June 26, 2002 All since and PR. ests mabe received in Waeo to count for June production. Required Retention Rate Beginning Jan. 1, 2002, 0 be eligible for borues and featured jin Spotlight, top Producers must 1 the required Retention rate, or the minimum Net to Gross ratio®, Net wo Gross: 77 percent Retentions 64 percent 4 Netto Gis is only ved daring th Prachi’ fin igh nthe Milestones $100,000 In Force The following Agents have $100,000 of afore promis DeMario Cooper Joey Kennedy Erik Martinez Leslie Taylor Bill Wade Look For The Asterisk The asterisks, shown throughout the magazine, indicate that place will be a Year-to-Date award winner. The Producers which will be recognized at the 2003 Disney’ Awards Presentation are as follows: The top SGA from cach category; the top two PR. Managers and the top three Representatives from each eategery, the top five MGAs, the top SA, the top five GAs and the top ten Individual Producers. Check your production, if tifere is an asterisk by your position, you could be an award State General Agent Promotions David Brister has been promoted to State General Agent in Massachusetts. David was formerly a Master General Agent out of Edison, New Jersey under SGA Eric Giglione. David has been with AIL since March 1997. Nicholas Nitkowski has been promoted to State General Agent in Louisiana. Nicholas was formetly a s Master General Agent out of Ft. Lauderdale, As =) | Florida under SGA Tom Williams. Nicholas has been with AIL since March 1999, The Seniors Prevailed I 5 ht Recently, rhe Gary Bleier Agency in Wisconsin held a Freshmen vs. Seniors contest. Freshmen are Agents in their first year of producing, ancl Seniors have over one year of experience. ‘The winners ate steaks, The losers ate burgers, and had to serve the winners during the meal And, the winners were — the Seniors! Froshmen Jeremy Schlosser and Chris Bender aro serving Seniors Mark Blsier (foreground) and Mike Scotts (backgrounc). ©2002 by Ameria come oma Published monthly by American Income Life Insurance Company for the slissemination of informatica to its Agents. Permission must be obtained Dror to reproduction ‘or oer use of| ial hes ‘The Gary Eleer Agenoy ovr izle Aeitinatectmabcepsco ar susarce Company SPOTLIGHT MAY2002 a WWW.AILIFE,COMArUZMmrrn NOGN IMPORTANT DATES Tuesday, dune 25 Wednesday, June 26 Thursday, June 27 Friday, June 28 “Thursday, Juy 4 Friday, July 26 Menday, July 29, ‘Tuesday, July 30 ‘Wednesday, July 31 Tuescay, Aug. 27 Viednescay, Aug. 23 “Thurscay, Aug. 29 Fray, Aug. 20 Monday, opt. 2 Weenesday, Sept. 25 Tusday, Spt. 20 Friday, Soot 27 Monday, Seat 0 Friday, Oot 2 and Monday, Oct. 28 Tueseay, Oct. 29 ‘Wednesday, Oxt. 30 Thursday, Oot. 3t Friday, Nov, 22 and Monday, Nov. 25, Tuesday, Nov. 26 Wiesescay, Nov. 27 ‘Thursday, Nov. 28 ard Friday, Nov. 29 Friday Dec, 20 and Monday, Dec. 23 Tuesday, Deo. 24 and Wesiresaay, Dec. 25 ‘Thursday, Deo. 26 Friday, Dec. 27 ‘Monday, Dec. 30 Tuesday, Dec. 31 June Al business must be mailed to the Home Office. All business must be AT the Home Office to be guaranteed for June Business received this day is NOT guaranteed for June. End of Month — business received this day is NOT guaranteed for June. July Home Difice holiday All business must be mailed to the Home Oflice. All business must be AT the Home Office to be guaranteed for July, Business received this day is NOT guaranteed for July End of Month — business received this day is NOT guaranteed for July. August ‘All business must be mailed to the Home Office All business must be AT the Home Office 10 be gua Business received this day is NOT guaranteed for August. End of Month — business received this day is NOT guarant September Home Diice holiday. All business must be mailed to the Home Office All business must be AT the Home Office 1o be guaranteed for September Business received this day is NOT guaranteed for September, End of Month — business weceived this day is NOT guaranteed for September October All business must be mailed to the Home Office, All business must be AT the Home Office to be guarnnteed fox October Business received this day is NOT guaranteed for October. End of Month — business received this day is NOT guaranteed for Ootaber November All business must be mailed to the Hone Ottice All business must be AT the Home Office 1 be guaranteed for Novernber. End of Month — business received tis day is NOT guaranteed for Noveraber Home Oifice holt. December All business must be mailed to the Home Office, Home Office holiday. Al business must be mailed to the Home Office, All business must be AT the Home Office io be guaranteed for December, Business received this day is NOT guaranteed for December, End of Month — business received this day is NOT guaranteed for December, sd for August 1 for August SPOTLIGHT MAY 2002 8 WWWAILIFE.CON, PROMOTIONS con Adaiss ugoee ar Net Caaina Chis Brent ik tig Ontario Roger. Cox ‘an deoniogs an Jellcy Fran New Jersey Damion Gundlick Seat Sth teigan Lee Hofinan lig ‘asiraon Elio Mingione re Sigone New Jory Jetty Prince Penryivenin Rick Risen Fickatlg Wscosie CChuisty Star Denrsishler ennsyivnin ‘Kevin Appesemny ‘tay Nariebe Stephon W. Bight Lary Seeser isos James Danswoth shes Gurace ‘one Derek Fey Bi Jevnngs Colored ‘Steven Haram Fre Ciglone Nw rey Gregory Jalen Ec Gglone aw rey Room] Moston Ee Gglone Pareja Robect Rangel Bl Jennings Cotrade Roger Rovekomp arecek Boles his Robect Tooley Geneser man Wile Alfonso Yeatsins Fie gfone Femayherie Dick Atkinson over smth katona Daron Brink ‘ed Beso Shaun Boker Gey Bier sceasin Shaton Gals Gigene eter Hassichusets Nathan Hammond Alin Jenings oh Ans Kiherl Daniel Ze assenusets ase Nagel tie snes one Louis Rend ick tg ‘Meta Michael Seanligne Dens Isle Poansyani Andkew Tones altar ‘nao Latry Young uke Jones ohio bene CLeroNoc Ustad Linda Amite Fickatig Wasting Denise Gilbert Scot th hos Richard Mok Moncesha Sin Ere Biglone New Jory Laney Chick Sect sith Nictigar Hong Ing sewn Chem ono Jefleron Moyers ‘Ai Sata Noth caoina Michiel Sore eat Sith Nichiar Denard Cooper Ere Gigone New lersey Timothy Kee Nett Wks Ronald Nelson Fick Aig estngton Lee Staley Wareteron Of Promoted To Master General Agent Robart Biddle Hancock cee Kertoty Janes Panes Nichole Mion Lesions Travis Genever Lary Crosse sou (Car Bolden ‘seat Sith Minin Michael Succes ary Beer iseensin Hea Morn Rotor Fateren Newest Kevin Fis ick Ag Ssasatiowan Bilan Schacter HancaccBoes nana Brian Quinn Lay Baoer anees SPOTLIGHT May 2002 Anihooy As ancooe clas oie ‘Thomas Camatla Ei Giglore Nw leroy avid Falcone Mare pp ore “Tin Gonzales ek ig asingon Leonard Hace Gary lier ‘Weta arriet Lansy Laney Geneser vansas| Clay-Nehia Neyer Vac waeoy Tex ‘lon Reyes Noto Nekewsk Lsusione Jessies Sine Ec Gghore Now Jersey Jerome Todos Lary Genser Mesos Lasaros Echets orn Paxtowsx Twas Matthew Laint Bl dongs Colerase Dias Newman Rik tis egos Michel Veeleysen Ere Gglone Pannsaia Damon Heatley sneser Sinan tinois Richard Stafford Bly Faukeer Vagina WWW.AILIFE.COM Jobo Baloun ik tg tora Samuel Cohen Eris Gglone Peaneylanis John Ewes Rice tg we Eri Grier Erecigione Neu ese ‘achary Hart Gary Beer Wiacensn John Mactines ‘i Jemirge cooneo Lawrence Obirs ‘Charles Rice Vind Bator Gineme Singleton Tees Jamey Wallace Seott sein Flees Michael C. Garcia Er Gigiene New Jersey James Lawrence Eris Gigiene Now Joey Robert Olive oath nos Antonio Walker Er Gigione Penny Mabon Ketarsh Avohatak Net Cains Tiothy We Thompson oder Sith Okstona Keis Barron Fick nig Mantooa eve Coulson ‘estue Chon | one Bradley Felton Reber Sih Ovtenama Mateo Gusngro Loy rtagerad, Tox Rober Hickman Hancodk Boles Onie Nick Migianio Efe Gigiore ewsersey Cary Penis ses Srace nie ‘Sheet Richardson re Ginione Nwsereny Cifor Spears Lary Geneve Miscou ‘Alon Water kang bere enoxhs Gandt ‘Geaseciman Wncis “Tal MeGinnis Rok ig iseonsh Engene Shiplett Raber Paterzor New nex Weley Yerborough ake anes nie Earnest Loveless Dive cones calm Nannie Trost ek tie ‘tenonINDIVIDUAL PRODUCERS Edison, NJ Fairview Heights, IL Bnew ena ieee Raleigh, NC Burnaby, BC Jacksonville, FL oe) Edison, NJ Duluth, MN Concord, CA Swansea, IL SPOTLIGHT MAY 2012, WWWAILIFE.COM CCEA A Net ALP Carla Miller $41,337 INDIVIDUAL PRODUCERS April Qualifiers Net ALP Thomas Camarda Yanie Santas . Costa Kyriazis . Jofferson Moyers dames Dattilo . AlKarim Waljt Gragory Jetfers David Tubbin John Rice James Holloway Robert Moorhead Billy Viryard Timothy Cruise kelly meDonale Andrew Rossberg ton Start kim Sorenger Steve Fujitani Erk Martinez Richard Morello Lance Brown Lawrence €. Ohms Joseph Ricci Robert Stubblefield Arthur Westeroren Scott Georger Michao! Czopok Odessa Omoroghomwan, Gene Nouny Nonnette Troutman Herold Cowden Christy Wemnert Jennifer Baron sim Bianchi doshua Robinson Wiliam Richard Bret R. Fels ddohn Barr Dean Beaucage ohn Claxton dacquelyn Reid DeNario Cooper Donald Spence James Bouchor sessica Bergren Kendra Roberts Stoven Caher Preeti Sahgal Errol Doerr Russell Chang ‘Jeffrey Dinocento| Brian Traboulay Elchin Bagirov James Dattiio Melinda-Rae Lyse John Baldo Wendell Bangs Doreen Ryan-Foti Damon Hartley Dennis Muth Patrick Shehan Eric Nichols Theodore Pappas Rory Lee Dennis Muth Eric Neal Jeffrey Dinocento Darren Millar Damon Hartley Jeffrey Dinocento Lawrence Hauck Paul Rumbuc David Hausman Doreen Ryan-Foti Nannette Troutman Bulan Schaefer William Cook Paul Rumbue Leslie Taylor Michael O'Rourke Eric Neal Patrick Shehan James Logan DeMario Cooper DeMario Cooper William Cook Wendell Banos Robert Delesky Wencell Bangs Russell Chang SPOTLIGHT MAY 262 a WWW.AILIFE.COM Erie Giglione Geneser-Bitman Rick altig Ali Shabrak Mare Zipper Risk Altig Erie Giglione Rick Altig Jatott-Fot Geneser-Bitman Rick alti Lamy Geneser Seott Smith alol-Fo Richard Rutt Rick Altig Gary Bleier Rick Altig Geneser-Bitman Eris Gigione Cohen-Hartman Geneser-Bitman Eric Gigione Steve Friedlander Tom Wiliams Duthon Oldham Eric Gigione satottFoti Daniel Zea Rick Altg Hancock-Boles Lloyd Fitzgerald ‘Tom Wiliams Durtion Oldham Geneser-Bitman Larry Beneser Geneser-Bitnan Wittenbach-Ostrovsky Larry Beneser Hugties-Parekh Gonosor-Bitman Geneser-bitman Ramin Kouladj ‘Tom Williams Rick alta Eric Gigiione Steve Friedlander siostua Ghalom Rick alti Rick altig ~ Percentage of Netto Grass 1_ INDIVIDUAL PRODUCERS _ De A Net ALP [Year Timothy Crui $242,606 | 2000 NG* Name YTO Qualifiers MGA SGA . Marlon Underwood . James Dattlo Jefferson Moyers . Jim Blancti . Timothy Cruise David Wang DeMario Cooper . John Reinbott Harold MeSwe Kelly McDonald |. Mare Rosen Etik Martinez . Joshua Robinson |. Jennifer Baron Karim Wali Duane Roth Joseph Ricoi Joey Kennedy Mitchel Clem Ramin Maghsoud ‘Matthew Woifanger . David Tubbin Lesie Taylor sJoha Rice Steve Fujian Steven Greer Ruben Soberanes Julie Wells Keith Zabrocki Mark Bieler Eric Grier Charles Otero Kendia Roberts Roland Parker Lance Brovn Emmanuelle Fantol sJosaph Schofield Charles Todd Joseph Moore David Ballas Carl Boldon Derek Sandilands ‘Moneesha Smith Stephen Brignt Dallas Dixon Douglas Bauknecht Allen Green Steven Calver Andrew Rossberg Norbert Lopez. ny Marlon Underwood Scott Smith James Dattilo Marc Zipper Eichin Bagirov Mi Shahrak Paul Rumbuc Durtion Otcham Erie Nichols Scott Smith David Wang Scott Smith DeMario Cooper Geneser-Bitman Leanne Hughes Erie Giglione Robert Patterson Jatoft-Fott efirey Dinovento Erie Giglione Eric Neal Geneser-Bitman Leslie Taylor Geneser-Bitman Wiliam Cook Torn Wiliams Meiinda-Rae Lyse Rick altio Eric Neal Geneser-Bitman Jafirey Dinovento Etc Gigione Gary Wiliams Rick alto Nickolay Gusev Vlad Basov Vlad Basov Paul Rumbuc Durtion Olanam Wendell Bangs Rick Altig Fetcher-Taylor Genesor-Bitman Doreen Ryan-Fot satott-Fot Dennis Mth Rick altig Paul Rumbuc Duhon Otdham Jatott-Fot Nickolay Gusev Vlad Basov Bruce Hennick Mare Morton Gary Bleier Leenne Hughes Ere Giglione Jonathan Saluk« Richard Rutt Robert Delesky Etc Giglone Torn Williams Darren Miler Gohen-Hartman David Iriye David Cohen Kovin Bulktman Eri Gigliono Charles Todd Scott Smith John McSreary Furer-whittinghil Dorean Ryan-Fot Jatott-Foti Robert K. Olson Scott Smith Melinda -Rae Lyse Rick Altig John Huber Ere Giglione Brian Guina Lary Geneser Eri Neal Geneser-Bitman Gary Wiliams Rick Altig Theodore Pappas iad Rut Steve Friedlander Theodore Pappas Richard Putt Danny Mayorga Tom witiams © Percentage of Natta Gross SPOTLIGHT MAY 2002 a WWWAILIFE.COM COMMUNITY INVOLVEMENT MONETARY DONATIONS Rick Altig Agency ‘© Contributed $1,500 to the IBEW 1357 Scholship fund, Donated $1,520 to che HERE Local 5 Schelatship fund. CConuiituted $391 to the Mimesota Labor Work Donaved $248 to the CAAIWIAIL lancheos in Montreal Gave $200 to the Oregon USWA 6163 serie fur Contributed $750 tthe WWBA Scholarship fund Donated $250 to the GSBA Scholarship fund Gave $25 tothe ATU 1505 sesitement partyin Menitoba ‘Cave an $89 donation to the Washington BSOIW, Donared §400 to the NCA Cntstued $400 to che Quebec Conseil Regional FTQ. Gave $500 ro the Nurses Union Scholarship fun Donated $129 to the LWA 1-85 golf ournament, Contrbured $59 to the SEIU/NCKO conference. CComtabured $500 t che Ontario IBT for the “Dave for ication” program, Donated $500 to the Caku Philippine Communicy Council Gave $300 to the Ontario OFSEU strike fund. nated $340 to the Termesice Fire Fighters Assoctation. Contributed $50 to the AFL-CIO Autism Society ‘Gave $300 tothe Tennesce State Council of Machinist onated $309 fo the IBT Local 480 seholacship fur Donated $339 to the IBT 515 Little Angeb golf roumament. ‘Consributed $1,090 to the IBEW 126 COPE golf rournamen fn Hawai Gave $500 tothe Edmonton May Week Festival Conteibuzed §500 10 de UPCW 81 goif tournament, Gave $150 w the Leabi FCU for dcr prizes. Donated $225 to the Kaun Teachers FOU for door prizes Contsibuced §350 to the Schofield FOU for door prises Contribuge §46 to Uae CJA 1388 for dove prises © Gave 4 $100 gift cetficate to the Oregon IBT 324 © Doncted a $100 gift contifieate to the Oregon CJA 247, © Contributed $500 to the Dan Gartner Lalor Commissioner ‘campaign fund © Gave $150 to the Oregon Labor Community Services. © Gave $200 tothe Oregon CJA 247 rate © Conueibuted $350 to the LPN Association of British Columb. © Donated $250 t0 the CUPE 4186, © Gave $100 tothe Washington Ws Lisa D'Amico Agency © Contributed $250 to the UMWA District Unemployed Miners sof outing © Donated $75 fr the HERE 57 roweleter Lloyd Fitzgerald Agency x '© Contributed $76 worth of el cerufiestes ro the Creat Onions for Kids annual meeting "WU for their conversion © Donated $50 to sponsor the Cres Union for Kids miniature ro tournament. Hughes-Parekh Agency ‘© Gave $100 to she Cheloate Fire Fighters Association 660 for un adn their annual ad book. © Donated $50 tothe North Carolina Association of Private Investigators foran ad in their membership beok © Donate! $50 with che Rah Glover Apne to the Fire Fighters golf connanient John Jatofe Agency '@ Gave $680 to the Merced Maripox CLC 13th Annual “Union Yes" dinner © Donated $150 to the ILWUFSOCU Eas: Bay chapter meeting for avino night © Contributed $250 to the UAW Lecal 1797 Dia del Nina 11th Annual Celebyacion Honoring Youth. © Contsibuted $300 to the Califia School Employees Association fer their &th Annual Dsester Relic! golf tournament © Donated $150 to the SEIU Local 790 COPE for seit 17th Annual COPE dinnet Mike Jones Agency 1@ Gace $2,000 to sponsor the Toledo United Lsbor Commitee Anna golf rourrarien © Donted $400 tothe monthly Toledo Por: Council meeting Total s1g.197 OTHER DONATIONS Rick Altig Agency © Donated ro the USWA 667 stike fund. © Contributed to the CUPE 500 Scholarship program, Cohea-Hartman Agency © Donated door prats are volunteored tne at the NCSEA 3st “Annual Canfetence. Lloyd Fitzgerald Agency ‘© Donsted a golf hag and teophy tothe Texas League of (Credit Unions © Contributed Olive Carden if corficates tothe IBEW 66, eG a sports coals to the Credit Union for Kids annual SPOTLIGHT MAY 2002 Hughes-Parckh Agency ‘© Donated a boom box to the JAM 108 a5 2 door pte © Conteibated wo county ams 10 the GTS Federal Credit Union sninual mesting © Gavea TV to the South Caroline & Augusta Building Tides Scott Smith Ageney '® Donated 1,400 ibs. of food to the Woodridge/Downers Geove Letter Carriers Annual Mother's Day ood drive = WWww.AILIFE.COM, >Thomas Canaide James Oa. “atc Sartcs Kens Wa esl rae Steve Fara Erato: efereen eyes ‘Bene Navy Tinony use rego ers dim Banh Dag Tani sein Roe ees Halonay abet corns ance ero iy nya Steven ater Key MeDonals use Crarg niren Rosse enSar rou Western Kin Sperger DeanBeavcigs ReereNrale EralDcor Lawrence Obs oven a Hover Subbed NanneteTreuinen Soot Gee hea apo Odessa Onareghomman Maite Wotanger fu cemenae Donad Spence Hal Concer Preet Shas Lode Alsen hisy Nera sesnier Baten Hater unsewea ayn Woodyare Josh Acison Bans Mahou Wiliam ener Beate ste els Sommer Stacey Wal sein Gx acqain Reid Datta Cocper dames Boucer inet Sosoe aremn jesiadeuee Kenda Reber Deva nara Lely Host Seven Gree titon Speas lary sges Sharen Selvin sense Tos sees Mere sy Dan Tio Ruse “ey Bue chee Bart Shanshngat Shu Shannon Rare Ugo tainig satay Pingo: Hoyer Coca soit ir {orcen Suna Patis Duay Charles Or yi Ragee to fe Gigi Hoe per Gove Sinan fica fk Aa fc Soro’ ois Sicha Oe fe Sees Ei Gite Duin Othan fey ‘beet Serena mica Coreen Gry Gereer Sie Fitecer “able cay Rovaahat Roca ‘on titans cme regio Roca Genes itnan feo Stee Ponce oa then Ere Ggiono sate Duin an tana canen fama Kol Hct ies ‘back Biers Uys ‘pawns Set sah danaeann Geren Naser Lary Genesee SexterBtnan ‘sean ‘Were cxtoay Ere Galore Highs ary Goren trar Geree tar Son vans gear si unenosham recat Ete Gore sect Sn Bilemogs Suton Ota taty Baws ‘Bm Soe isi Bisee tary Berea Naw per fuse bute Seat min feat fica (ree ican EscGigore Senator Sererredandr Seat st “nes Sune ep fica hat Eaucann RETENTION BONUS ‘QUALIFIER Nore Bor ‘Sauel anes Lorene Gare sanner Sear Dounes aunt Fobar Bh Chas Sewer Gaeacon Ym Ozunge nv alae 2a Slant Nava agosto Din Faden Ee alrn dames Bavey eso: Amaro shseph Sota Tent Housor Derek Sencincs Farcsco Force ae hcgraw oder Toby Seshen gf 2am han Pot lave IaticenThusten accu Ebanks ‘can rortrg EicGier ‘San Harlewes slimes Sehr Diane Rat Lary Amar Lens Eee ten racaedos ‘Ssawadkrother Fonac Foe Scot lum Cocpes penis Elzebets Ege uy sores ‘Abt Drea Greco iby Dara Fanch dseen Neon Date casoinry ary Ceaaart ‘angen Hck dom anorose Meander Stephen amie omeuena Beok Renney Geoige woan Rouse Aga Ne Fosen Noreen Sh Doran Ota Maus Dao: eseph Habe ober Hare Vanessa Cian Usa Water ‘etn Peso ‘ee Gist {Gar Brtenan Daal ramer hisine Heinen ‘StasnFues FrubenSeberanes eden Fe Sm Cohan ‘Trorea Logue Bear Nowe Mefae Chen Mose Coty ‘len Goan denny Feona Honion Dien Bint Gag See Vac onmay tava Meher eee Relat Seen Ses lleee Sra Sons eaten ona Er nn Sain Soe nvoe Shan fears fenons ce cane Sur an eta Fat et wo Et aan tanec bec Brean saan Biers rae Eos fir Ss ioe Sime Sin thee aoa sehen ‘siClan, iis Sek Hey Sow idan ere feat fea Cy Sheer septs ea Seats Eoin ical Seren Recihtaos fea Me ee cipee tice cal fre Gee Ete cee BiretOan So heaase sae SitorOian in eae Ann eee Siamese teaser spre ete Sor kor seer Se Sow fre See Shan tary corent Biren fun ao enna Ere ‘table SPOTLIGHT MAY 2002, WWWAILI sine sie sy S170 S08 31381 $1307 51306 com ‘QuauiER Sowly Koangheci defy Rosen reson calc oni Fela Ahan alae Diegente P0019 Pics Seuer regen Sard Fart Be Gail soomez Ketnzairet toon fru ara hte tse Srey ‘oe Scr iermord a1 Sara Sexy Ha HeSneeny Traty Keng Koval {GonCarna Has Wexean (Ste rie Bran Borman Xin ura Mia raw Cara Fronsea Pest Shan Pat fnncan Chete Ere taba Janes Voodut ian Dor ove Lge em Poser Downe Dongs seyibee Demin coin Sells ‘caer cack Set Via an Bray Kacad tym Erison “sap Pies Darien Gunde Stepton Sie Stesvn stow seter Bel Her Poo (has eanser Bot anae Dour sete Pince Emmante Fane seme seacan Foal aes ilar Tres Crag nigea Mel Prins Reboxze Rec “hear Paypes ony ance Glob Rouen Benes tox Nowe Hameor Fate Tog ‘raisers fare nes mato Eons Bete Fred Furman Gal chern “home Took iia Reboe Nara cavano fete Faroe! tea Watery disindanst “moe Par ‘AGENCY eae ees ici cg Be tree. ee Ae ieee ae goles ee ea oa oa ee aren en ot, ee ae Se site “nsep ane hora ast Scot Sth Vas eo EreGalore Naveen ick Ap Ly Genese Tins Bil Jemncs Hughes Pah ‘imSenmecer Duron Ole Durren har Lay Sense Farrag Bl Jeans (aera soph aro%0 Hanzosk Galen unui ‘ular Bhikre Aeterna Icha Shan ange Seat Ase) cael Wade French ‘Douglas Sroup fan Srey Ken eho Son Salta Rode fever One fusion ‘ane Tin ree se Fou! Bie Sir Benes Soren att Sted Sc ‘aos Gera Js rn ‘et tras isos ino Rael etot fincas fanaa ran leis Gate Sinn Sober fet be feted Set Haton Sit ‘eiveesey vanes Fee root ble Feman rar tie oun fot ety Beppe ie ear teas Tor tab omy Feofo eo ths Sor feted tran Ssmetors ‘erat cs itt eos hiss sn fare ose foleannes Senge oaye fans saneee toincoon ier oe Pte cea Sapiens ster Coon ion Corea ‘ees bons Denar cre Barone ‘ve Ch Fron Stator Bok iy fee Fro feertenm Bran Boers Strtn Sk Oa Neen Worl ve tet Tper Bale oat dere ‘ino axes Clo one ‘ner bows itore Pes ‘Soph Sree Banal Maeno AGENCY ‘oot Smith Erc Galore St Sth el Shoo Fredancer Tmsenoeter Fann Kou Bad Coren Vad Bay, Ft ig Flt Natotelt ‘Sal Sih ‘Al Jenings ‘eat sith Bob Gover Fe ig Lay Bones Fe aig Hues Parl Geteseriran Ton vilans Lan, eneser FrieGoiore Ly oer Ley Benesee Canton st cna Ghtore Bester lay Genesee Aaa own Ponta Aten Lay Senese ang Nate Zee Fanceek Bes Les Cami Seat Sat Sopa tone Nat hiss fa Jennies Gereser agalaays BavaCohen Fick Hancock Boks Coter-rarnan Furraatign Foter Sih Ly ener it Ag igoso Bite kag ‘Ala Jems {ay Sense Tore lars Gone Bsr eg eat Sit ‘avid Cohen reunPawoush Ee lore shes Sree Aine ween Suro Ocham Bil Jeronge ierbectrOstowsky Encegiore Ere Gilore Fvad aut (CoterHaeman Erie Gigloro Bil Jevangs arcxc es Lay Seneser Fret Nested Lary Geneser Mae Zper Davia onon Fick Aig Geneserinan bilJernngs RETENTION BONUS _ (QUALIFIER Jongna Vasquez Tradtess Srv Arhir Garvie oii Bay ‘ier an oe ae ae aoe aes ieee ac one bras pe eae ea Pa on i ee en aes ee ee ote ine ee, ee ay i se see it a sei Het Sea Pos Hes ee eee, ed iene Ben ‘AGENCY Ton Wins tr Gaim Highs Pari Suton Other Heneec Bobs Stra ‘enti Osorsy Ere caine Hcraneek Bienange SextSnih Steve Feduncer uton Guna eveeceobs Here hoon Guy Fovele vomes Sue ighos Parka aecatg Ere Guine aecatg Hoe. Ere Gilone Fre Gulene Feria Aecatg isan tise dpe aexang Cones Dtrhon ian oven ann Biy Fein Foe A Shatrok Meeps Fors gt iSite Etec Reka Saye Mat simon Reha rt Se Fessnder SeotSnin Dai Caren Ain Jers hughes Pare Daa Goren Were Pope fekatg ance Saco Davis Coben Ley Geese Sie ror er Ten ivaans Mitac Setosy Niger {ry Goose sean Sat St ies Se Reine Jovph tions Berne Sova Surin ota Martinek Heino ines ao TS Onin fiteeaer soy Erte Sthaarnan Siero jones eae Senteen Sees Srce year sts 3 as sa SFOTLIGHT NAY 2002 WWW.AILIFE.COM ‘QUALIFIER ina! Sh Seay sa jr lane ilar tar Tones gone Sones he Sevens ovr cma tara uleton Aiea gan tentien eit Asp Nae naka Ore ten ren omg ow aay ata ie Eokone, aie Str ove Haro Siere0 a Cte tena ave fatoge ots oe Petar Sears feribrncter Came er Seranac Sa Heinen shoe oe ots rats ‘homes Secies Eaten Sronsetadsn Sin caioy GeosArcio fave ‘breton lak tet ken-rve ‘ome War Corina Ben ssen fre Sark ‘ita snl ‘Gouge Sotzer Foter Puseo Fooney Thampson Fup Spec” hea James sep Hanna ‘hes ret se Twaose ‘ha (ten Graver Sout sare Gren Smt Dean Gtin Emi Ceaser Eat Outen Nat Hawks ba Tyr ‘aes Uton Unt Siron Lee Iya Yeung Ue Hotnen Ere Suederan Nata Fy hrs Stephens Byanésetrant Fics Bush Fr alonaso ‘AGENCY ab Gover Tenis EicGuiore ams ian Nat Sune seth Caden Rekaty Nak ounet Jactror Tam Willans Witendoes Ostowshy Sor smth ese lanone Rexhtig Scot Sith ROA Lats Genes Rex At Lay Genes ay Gores: Ee Gatbne EseGalore Esoel Ere Gglona esr Dave Cehen Really Bava Cehen ise Manone ann Kosch Ro aig Scot Sth Fickle Lay Beneser Rotate Bly Faukrer EieGgion Fos Ate Rok Ag inte Ostowss E10 TimSehnoeder LeaDAnica oie she 23 Leys Fgura Teen vias Vat basov La Geseser EleGoiore Golorearster eh Ag Poke Saat Sth Fat Davd Cohen avd Cen Jbseph Mason ah Weg Nae Zee aera ‘kiero ‘ames Suace ene Corars Cava cehen ‘Total Bonus Paid Out $585,543SUPERVISING AGENTS GENERAL AGENTS mca Edison, NJ ‘Duluth, MN Swansea, IL Fr. Lauderdale, FL. Louisville, KY Fr. Lauderdale, FL er April Production Monts $102.40 ti Er eal re Byron Watson $58,251 Jeffrey Dinocento | Eric Giglione ; Erol Doerr 71,662 Wendell Bangs | ick Atig bea PAU Ral AL Cid et Ioral Pena 47,308 Danny Mayorga | Tom Wiliams Kevin Surles 56,163 David Zophin Ed Orell Brian Schaefer 37,774 Gregory Partee | Hancock-Boles Month: $43,400 1st Yi. Gino Tarzit s ‘Mare Rosen 43,387 Jeffrey Dinocento | Eric Gigtione 1. Zenotha Gardner 3 | EricNeal Geneser-Bitman Peter Yotot 38,598 Matt Henderson | Merc Zipper 2, Samuel James 5 ‘Wittenbach-Ostrovshy Marcus Smith 39,241 Steve Surace James Surace 3, Camy Smith 4 | Danny Mayorga | Tom Williams Steven Greer 41,001 Paul Rumbuc Durhon Oldham 4. Michael Grim 646 2 | Rory Lee Rick Altig, Duane Roth 39,991 Eric Neal Geneser-Bitman 5. Denard Cooper 65.9 2 | dottrey Dinocanto | Eric Gigione YTD Production YTD: $469,420 i eal ID: $864,820 Net ALP YTD Production YD: $142,725 st Vedi pa YDS 297982 Net ALP Vai pa ae | *1, Kevin Surles: ‘$159,787 $189,487 85 9 David Zophin Ed Orel | 2. Eriol Doeir 148,176 yogos2 | a8 9 Wendell Bangs | Rick Altig 1. Zonotha Gardner | $82,402 | $120,757 | 90 5 Eric Noal 3. Byron Watson 120,173 1ag299 | a8 9 Jeffrey Dinccento | Eric Giglione 2, Samuel James 80,503 119,189 8 5 Wittenbach-Ostrovsky "4. Eamest Loveless 86,639 114,432 149 6 Erik Graham David Cohen 3. Michael Grim: 41,044 67.612 64.6 2 Rory Lea Rick Altig. “8. Darren Austin 83,558 98,577 82 7 Eric Nichols Scot Smith 4, Clifford Carrol 33,149 49,019 B 2 Darren Miller Cohen-Hartman 6. Steven Greer 63,248 129,530, 93 4 Paul Rumbuc Durhon Oldham 6, Jessica Beroren 30.673 e505 | 89 1 Wendell Bangs | Rick Altig 7. Peter Voigt 75,679 5,130 | 90 7 | Matt Henderson | Marc Zipper 8. Carolyn Wittenbach} 66,201 108.932 | 89 6 Wittenbach-Ostrovsky Siri A ec air ror be Sa Wr Maw eA a on ro ee ee | eee az| 4 | wasseme |S 10. Duane Roth 65,302 98.538 83. 5 Eric Neal Geneser-Bitman Coral gn alo pins Berlin we Sant eve Heo Tal Wife cl nd lhc mono 2 SvORLICNF NAY 20 ALANECOM sone marS joerc 8MASTER GENERAL AGENTS 3, Bric Neal Swansea, IL Kansas City, MO 1, Lee Conti Los Angeles Louisville, KY Edison, NJ Duluth, MN 6. Kevin Bukatman Plymouth Meeting, PA St. Louis, MO Fr. Lauderdale, FL SPOTLIGHT MAY 2002 = WWW.AILITE.COM MASTER GENERAL AGENTS [ae] ‘Month: $190,653 1st Yr Slav Bitman Month: $236,811 Net ALP Ed Orell a 2, Jeffrey Dinocento 3. Eric eal 4, Wendell Bangs 5. Brandon Geneser 6. Kevin Buketman 7. Lee Cont 8. Michael O'Rourke 9. Gregory Parte 40. Wilicm Cook 11. Gregory Straussar 12, John McGreary 49, Stephen Ross 44, Erik Gratam 15. Lawrence Heuck 16) Doreen fiyar-Fotl 47. Dan Philips 18, Steven Lae 19, Ghristine Hartman 20, Marcalus Acams $178,549 192,260 490,857 104,546 92,166 02,74 79.910 69,947 68,386 65,100 64,712 62,840 ein 61,439 61,190 59,889 97,593, 54,70, 54,393 51,441 $185,779 173,806 149514 132517 104,639 63.031 89.536 74991 94,160 71,239 78,462 62,399 73,753 190,963 74,435, 104,309 68,470 75,018 102,402 92,729 07 90 18.1 68.41 79.4 154 728 735 663 725 658 66.9 735 768 80.4 748) 649 607 708 671 By ‘urton Oldham 18 rio Biglone 2 Geneser Bitman 47 Rick Atti B Larry Geneser 19 Eric Bighone i David Cohen 8 Lamy Geneser 14 Hancook-Boles 2 ‘Tom Wiliams 16 Scott Smith 4 Furet-Whittinghill 11 Steve Friedlander 12 David Cohen 9 Steve Friedlander 18 Jatot-Fot 10 Bill Jennings 7 Rick Atig 1 Conen-Hartman 12 Allan Jennings YTD: $1,705,178 tsi Yr. Slav Bitman YTD: (046,700 Net ALP Ed Orell YTD Production Ki x f ate Bee RAS Paul Rumbue $583,688 | $614,085 787 Durhon Oldtam . Jeffrey Dinacento 440,860 | 548,760 684 Erie Giglione Erie Neal 439,845 | 485,617 794 Geneser-Btman ‘Wendell Banos 227,333 | 368,647 754 Rick atti David liye aoeeai | 271,727 098 David Gohen ‘Stephen Ross 238,748, | 280,563 768 Stove Friadlander Christine Hartman 231,182 | 348.495 708 Cohen-Hartman Lee Gonti 223,577 | 252,060 735 Davie Gohen Brandon Geneser 218,585 | 261,809 728 Larry Geneser Kevin Bukatman 209,588 | 221,668 | a7 Erie Giglione |. John Mecreery 205,941 | 208.646 735 Furer-Wiittinghill Paul Rumbuc 196,584 | 193,196 798 Dutton Oldham .Doraen Ryn Foti 495,274 | 346,815 649 Jatoft-Foti John Akers 194,492 | 198,846 689 Chis Lafond . Leanne Hughes 191,762 | 221,126 67 Erie Giglione . William Cook 106,444 | 196,745 058 Tor Willams . Steven Lee 105,051 | 249,000 607 Rak Akig Gregory Partee 192,930 | 297.817 75 Hancock-Boles Theodore Pappas 181,167 | 198,446 5.1 Richard Rutt Michael O'Rourke 471521 | 182,357 663 Lary Geneser \astar General Agent xeon guidlines for recognition nth Spotightao xe falowe: Must have four Fst Yar Agenis coded and meet a productor requiem SPOTLIGHT MAY 2002 = Ww WAILIEE COM, IsPaul Rumbuc $15,584 Jefirey Dinocento $12075 Evie Neal $10.562 Michael! O'Rourke $8,122 Brandon Geneser 87.787 Wendell Bangs 87,719 Lawrence Hauck $7,416 Gregory Parte $6,840 Bill Cook $6,772 Kevin Bukalman $6,616 David Iriye $6,383 Dan Phillips $6,267 John MeCreary $6,153 Loo Conti $5,882 Patrick Shehan $5,961 Rober! Delesky $9,265 Melinda-Rae lyse $5,263 Stephen Ross $5,026 6 MANAGEMENT BONUS Monthly Management Bonus 65 Percent and 70 Percent MGA Contracts 57.5 Percent GAs Coded Under MGA Scott Sonnenberg $4,902 George Vrban $4,775 David Hausman $4,806 Danie! Blair $4,263 Christine Hartman $4257 Dennis Muth $4,189 James Logan $4,152 Steven Lee $4,145 Gregory Strausser $3,519 ‘Theodore Pappas $3,490 Erik Graham $3,468 John Baldo $3,007 Marcellus Adams $2977 Jason Launius $2,786, James Beck $2,672 Fleteher-Taylor $2,649 Steve Foil $2,515 David Wang $2,499 April Bonus Qualifiers Eri¢ Nichols $2420 Tim Thompson $2.286 Steve Surace $2283 Steven Jakubezak $2,194 Paula Cooper $2,188 ‘Wayne Hendricks $2,162 James Peate 81,986 Jeff Churchfietd $1,925 Marc Rosen $1,735 Byron Watson $1,610 Brian Schaefer $1,376 David Melcher $1,385 Marlon Underwood 31.352 Gay Deitch S134 Narinder Dhitton $1,238 Timothy Collier $1,168 Tony Sutton 31,142 Brian Waller Sitti Total $253,059 Duane Roth $4,109 Yumiko Yamashita $1,087 Michel Cyr ‘$1,084 Stephen Liberto ‘$1,060 Errol Doerr $989 Arkadi Nulman $951 John Hancock $913 Steven Greer Marcus Smith $748 Robert Olson Sni7 Jofirey Boll 5715 Lisa Donoghue S697 Antonio Walker $682 Dorian Oldham $651 Jim Bianchi 3645 Steve Fujitani $643 Peter Hamm $616 SPOTLIGHT MAY 2002 WWWAILIFECOM Maria Bollajaro $602 Hal Herman 600 Tiffany Hunt $564 Abraham Kim $560 Joshua Robinson $449 Michel Verleysen $449, Barry Deardorit $067 Lorena Barriere $352 Pamela Drury $342 Darren Austin seat Allon Green $329 John Bulecza $326 Eamest Loveless $313 Matthew Laird S267 Gary Williams S264 Francisco Perez $280 Derek Sandilands $263 Joel Cole sot INSIGHT The Labor Advisory Board — A Company Tradition Thitty-ive people sat around a long table in New Orleans discussing the uneven American economy, and the upcoming congressional elections. Emotions ran high and the conversation was free-flowing. American Income Life founder Bemant Rapoport and CWA Internacional President Morty Bahr co-chaired the session. Our President, Roger Smith, Chaisman and CEO Mark McAndrew, Jules Pagano and I listened in. Two distinguished economists and two current congressional leaders were present as well. The rest were union officials representing a broad cross-section of labor. This was the February meeting of the AIL Labor Advisory Board, a long standing Company tradition. We talked about how we — the Company and the international unions we serve —can help one another: Two distinet points of view auickly surfaced. Labor representatives, reflecting the sentiments of their members, were eager for democratic congressional leaders to take amore forceful stands againsc administration tax policies that favor the supec-tich, and imports based on starvation wages. They cited figures reinforcing the need for aetion to increase the minimum wage, and their members wanted something done on affordable health care [even] stan” USS. House leaders Martin Frost and Nita Lowey emphasized the difficulties in getting any progressive legislation passed in a House where the slim majority rests tightly in the hank of archconservatives. ‘They kept siressing the need for unity and help with the elections to change the numbers ancl put labor’ fiends back in the majority oth sides were right. Each needed that forum to express concerns which plagued them, and each needed equally to SPOTLIGHT May 2002 FROMTHE DESK OF Jim Wright Former Speaker of the “Political ation isthe highest responsibility of hear what the other was saying. As Isat listening, I could feel the real heart behind the words Ie brought back a scene from two decacles ago. In 1981, having been struck by sn attempted assassin’ bullet} recovering Ronald Reagan came to Congress under @ mantle of heroisin, People everywhere wanted 1© uphokl and encourage him, just as they do now with President George W. Bush following the horrifying events of September [1 In that emotional atmosphere, Reagan pushed through a package of harsh cuts in the programs that benefit onlinary people. He followed these with a deceptive three. year tax cut loaded with costly benefits for the biggest conporations, The national debt suddenly tripled! Speaker Tip ONeill and I then the majority leader, made every argument we could but to no avail. The tide ‘vas running against us. House, and All Political Consultant After two election cycles, winning seats in both the Senate and the House of Representatives, we tured that tide. As L became speaker, we were calling the shoss. In January 1987, Listed cen bills in our agenda. We passed alten, even overcoming vetoes on three. John F Kennedy This could not have been done without the enthusiastic help anxl cooperation of labor — America’s working men and women. So it is with American Income Life. We have forged a strong partnership with those we serve. We have never forgotten where we eame from, and, as we reach boldly towanl an exciting $75 million year, we are underginded by one certainty: every penny of what we have promised to our clients will be there for them when they and their loved ones need it, andl that is a good feeling! = WO WAILIFECOM 7