I Believe - United American

[Pages:28]December 2013

The news and ideas magazine for the Agents of Liberty National

LNL

insight

I Believe

"Those who don't believe in magic will never find it." ? Roald Dahl As humans, we are inclined to hold certain beliefs throughout our lives. As individuals, those beliefs vary widely. Many of us believe in God or a higher power; in a code of ethics or a way of life; in scientific theories; or in our families, loved ones, and friends. These beliefs mold us, shape us, and guide us, and they are essential components of who we are and what we do. Unfortunately, something that should be universally believed in isn't always on everyone's list, and that's the belief in oneself. While I was considering what theme I wanted LNL to focus on in 2014, I knew I wanted to continue to drive home the importance of confidence, hard work, and taking charge in order to find new success and accomplish new things. I reflected on my own experience as an Agent and what

Roger Smith

President and Chief Executive Officer 2 - torch December 2013 I believe

helped me succeed, even through my most difficult times ? especially through my most difficult times. Looking back, I'm positive that the driving force behind any success I experienced was the certainty I had in my abilities and in my future. I surely didn't have the experience and skills a lot of my peers did, so I had to rely on something else to bolster my career. My conviction was the fuel to my fire, and it is the reason I am where I am today.

has carried people beyond the ordinary into the extraordinary. It has been the foundation of scientific discoveries, gold medals, and historical movements and changes. It has made people transform their lives, and it has seen them through their most trying times. Belief is one of the greatest and most powerful things in this world, and it can profoundly impact your life ... if you're willing to embrace it.

I want to stress how essential it is to believe not only in yourself, but also in what you can achieve by grabbing hold of Liberty National's Opportunity of a Lifetime. I want you to abandon any doubt, any reservations, and any skepticism you may have and replace your disbelief with confidence. I want you to open your eyes to the immense possibilities LNL has for you. In 2014, I want you to wake up 365 days in a row saying, "I believe".

Ask yourself what it is you've always wanted to achieve in your career. An annual trip to Convention? A successful team? Your own Agency? Whatever great vision that appears in your mind's eye can truly become a reality if you are willing to see that vision as more than a possibility. See it as your future! And then get to work on making it happen.

I'm sure you were all told of the importance of believing in yourself from your parents, teachers, or other mentors. Maybe you even heard it too much, making the message lose some of its impact. But I want to remind you of just how vital belief is to your success in all aspects of your life. It is only through unwavering belief and confidence ? along with hard work ? that goals can be met and dreams can come true. I'm willing to bet the vast majority of the world's great achievers overcame their obstacles by their strong beliefs, even when the cards weren't stacked in their favor. Belief

I want to stress how essential it is to believe not only in yourself, but also in what you can achieve by grabbing hold of Liberty National's Opportunity of a Lifetime.

This is an exciting time for Liberty National. We are a Company that has thrived for more than a century, and 113 years after our inception, we are making our way to an entirely new level of success. If you want to be a part of this progress while advancing your career, then take the first, most crucial step and say those two important words.

I BELIEVE ... do you?

*

NEWS

Published by Liberty National Life Insurance Company for the dissemination of information to its Agents. Prior permission must be obtained from Liberty National

Life Insurance Company for reproduction or other use of material herein.

LIBERTY NATIONAL







TORCH STAFF

Senior Marketing Communications Manager

Christie Gibson

Content Supervisor Katrina Kotzen

Editors Christine Perrenot Roberta Boyd King

Senior Staff Writer Brynn Caccamo

Social Media and SEO Supervisor Gina Circelli

Senior Graphic Designer Cal Slayton

Contact the Torch staff at

editor@

to send photos and community involvement news, or to update

your home address.

TOP AGENCY BUILDER ? OCTOBER

SA Grace Johnson with AO Steve Harris.

HONORING LIBERTY NATIONAL VETERANS During their Veteran's Day meeting, Owen Wilson's Agency honored veterans in their office. Each veteran shared their military past, was recognized by the team, and given acknowledgement through a video expressing thanks for their service.

Happy Holidays

LIBERTY NATIONAL!

W CNheerwihstomYpeaeasryawonuidthhaayvoHeuarapfpaMymeirlyry and friends.

"DON'T STOP BELIEVIN'"

Just a small town girl Livin' in a lonely world She took the midnight train goin' anywhere

Just a city boy Born and raised in South Detroit He took the midnight train goin' anywhere

A singer in a smoky room A smell of wine and cheap perfume For a smile they can share the night

It goes on and on and on and on

Strangers waiting Up and down the boulevard Their shadows searching in the night

Streetlights, people Livin' just to find emotion Hidin' somewhere in the night

Workin' hard to get my fill Everybody wants a thrill Payin' anything to roll the dice

Just one more time

Some will win some will lose Some were born to sing the blues

Oh, the movie never ends It goes on and on and on and on

Don't stop believin' Hold on to that feelin' Streetlights, people

Don't stop believin' Hold on to that feelin' Streetlights, people

Original lyrics credit: Jonathan Cain, Steve Perry and Neal Schon ? Fantasy Studios

LIBERTY NATIONAL IPOD Currently playing: "Don't Stop Believin'" Journey

I believe torch December 2013 - 3

perspective

Jorge Arzate

Liberty National Director

I Know I Believe!

During the last 13 years I've been in the insurance industry, I've seen countless lives changed. The Opportunity of a Lifetime Liberty National offers is not only the opportunity of unlimited income, but an opportunity to believe in oneself and accomplish incredible goals. During the Fall Agency Owner Meeting, our CEO Roger Smith unveiled the `I Believe' theme for 2014. The theme stirred up a lot of questions and thoughts for me.

As we approach the end of 2013, we begin to make plans for 2014. We take time to set our goals and make resolutions for the upcoming year. As many of us look back and reflect on the past, we measure ourselves against the previous goals we accomplished and the goals we didn't reach. This process of reflection brings to mind an essential question: What makes a person believe they can accomplish their goals and then actually do everything possible to accomplish them?

Success starts when you say

"I Believe"and then execute your beliefs.

In The 21 Indispensable Qualities of a Leader, author and leadership expert John Maxwell tells us "...ordinary people become extraordinary when they're fired up with conviction".

People with conviction and belief see things others don't, and therefore perform in ways faithless people don't understand. They take a system, improve it, and deliver results. Those with conviction push onward, engage, fight, and overcome obstacles. What about you? Do people see that same conviction in you, or do they see a faithless person?

One of the reasons I decided to join Liberty National was my belief in Roger Smith. I've been a Director for several years now and the last thing I want is for people to only respect what I did in the past. I want everyone to respect me for the belief and burning desire I have to become the CEO of a Torchmark Company. You can bet I'll work like no one else to get there, and I'll bring others to the top with me. You better believe it!

I think you'll agree with me when I say there are three types of people in this world:

1. Those who can see what needs to happen.

2. Those who can make it happen.

It's a question we toss around frequently during our executive meetings. From my observation, I've noticed there's one thing most hardworking people have in common, and that's conviction. Without conviction, belief diminishes, and you might as well pack your bags and go home.

When I was in the United States Coast Guard, I saw how someone with conviction could go from ordinary to extraordinary. Do you have conviction to be as successful as your Liberty National leaders? What are your convictions? What are your beliefs?

3. Those who can make things happen when it really counts.

Which type of person are you? Take time to analyze yourself and determine which type of person and leader you are. Make the adjustments required to ensure success! We learn from those who have paved the road before us and given us the confidence we need to accomplish big dreams. Success starts when you say "I Believe" and then execute your beliefs.

I believe 2014 is going to be one of the best years yet for Liberty National. Everyone is ready for it. When everyone is working collectively towards one goal, big things really happen!

4 - torch December 2013 I believe

New Supervising Agents at LNL

Taylor Ivins Garrett McKinney

The November Agency Builder of the Month Award goes to Taylor Ivins of the Mark Woodruff Agency and Garrett McKinney of the SellorsSellors Agency. They each coded 4 Agents in November.

The Agency Builder of the Month Award recognizes the Supervising Agent who codes the most Agents.

For their achievements, Taylor and Garrett each received a framed certificate of recognition and a letter from Executive Vice President and Chief Agency Officer, Steve DiChiaro, congratulating them on their commitment to developing new Agents and helping expand their Agencies and the Company.

Congratulations to our new Supervising Agents! Starting 2014 the right way!

November Top Agency Builders

# of Codes Supervising Agent

Agency Director

Agency Owner

4

Taylor Ivins

Gary Dobbs

Mark Woodruff

4

Garrett McKinney Michelle Bourdon Sellors-Sellors

3

Jim Cooper

Sherry Mathews

Steve Harris

3

Merton Gayle

Alan Tripp

Owen Wilson

3

Rebecca Goodner Amanda Williams Angela Hanson

3

Jennifer Leever

Amanda Wells

Steve Hargis

3

Brittany Sellors

Jeff Splawn

Sellors-Sellors

2

Heather Blake

Gene Sherrod

Cedric Higgins

2 Zita Brown-Wamsley Dan Dowling

Owen Wilson

2

Susan Driggers

Sean Debarry Brian Cannington

2

Jessica Holloway

Debra King

Sherri Young

2

Michael Logan Jamie Speakman

Jason Neal

2

Michael Patton Carleus Johnson Owen Wilson

2

Lashanda Tate

Henry Reece

Cedric Higgins

Johnny Aragon Lisa Denton - AD Kathy Blanco - AO

Amber Arnold Amanda Williams - AD Angela Hanson - AO

Rickey Ball Chad Ellis - AD Mark Stone - AO

Julio Barea Drew Aderholt - AD Tim Aderholt - AO

Christopher Benson Jeff Splawn - AD Sellors-Sellors - AO

Rachel Bouchelle Rick Pluff - AD Tim Reeves - AO

Ashley Bourque Tyler Mayo - AD

Larry McDaniel - AO

Brett Butler Kevin Jankowski - AD

Skip Bond - AO

Bridget Carter Austin Green - AD Angela Hanson - AO

Jim Cooper Sherry Mathews - AD

Steve Harris - AO

Tyler Creighton Rachel Fenz - AD Rex Smedley - AO

Shirley Crews Christina Ambriz - AD Larry McDaniel - AO

Jonathon Everly Sherry Mathews - AD

Steve Harris - AO

Darlene Finley Tracie Bean - AD John Hadder - AO

Amy Finn Jeff Splawn - AD Sellors-Sellors - AO

Carrie Frank Sandra Houck - AD Todd Lomenick - AO

Rhonda Glass Chad Essary - AD Ricky Beard - AO

Jennifer Goodwin Gemecia Marshall - AD

John Hadder - AO

Matthew Harrington Kevin McGown - AD Chris Graham - AO

Jacqueline Harris Twila Falls - AD Eddie Milner - AO

Evelyn Henry Vanessa Trotter - AD Cedric Higgins - AO

Jessica Holloway Thach Vu - AD

Sherri Young - AO

Joyce Huff Byron Schreiber - AO

Rebecca Jordan Douglas Barrett - AD Shannon Lambeth - AO

James Lawrence Ken Crabb Jr. - AD Ben Hastings - AO

Todd Lemak Deanna White - AD Haim Elfersy - AO

Matthew Lewis Patrick Stafford - AD

Mark Stone - AO

Scott McCollum David Bailey - AD John Hadder - AO

Garrett McKinney Michelle Bourdon - AD

Sellors-Sellors - AO

Sonja Morgan Vanessa Trotter - AD Cedric Higgins - AO

Robert Morris Bradley Gray - AD Ricky Beard - AO

Renita Packard Sandra Houck - AD Todd Lomenick - AO

Stephanie Pippen Stephanie Lewis - AD

John Hadder - AO

Jessica Preece Jennifer Davis - AD Randy Davis - AO

Edward Rikard Skip Nichols - AD Lonell Plyler - AO

Commetta Riley Drew Aderholt - AD Tim Aderholt - AO

John Robertson Philip Nichols - AD Clint McLain - AO

Arnel Senson Johan Blanco - AD Kathy Blanco - AO

Valerie Sheppard Jason Joiner - AD Bill Knowles - AO

Ronald Smith Terah Mims - AO

David Steele Gabriel Speaks - AD Vickie Ketron - AO

Danielle Thompson David Bass - AD

John Brooks Jr. - AO

Audrey Todd Craig Wilson - AD Tim Aderholt - AO

Corye Todd Michael Smitherman - AD

Eddie Milner - AO

Christy Tresidder Marilyn Fricke - AD Vickie Ketron - AO

Amy Wilson Timothy Wertz - AD Tim Nuckolls - AO

Chad Windom David Taylor - AD Howard Ralston - AO

I believe torch December 2013 - 5

new agency directors

Congratulations!

Christina Ambriz New Orleans, LA Larry McDaniel Agency

Qiana Cochran Chicago, IL Rob Czerwinksi Agency

Ronda Hein Springfield North, MO Tim Nuckolls Agency

Julie Lindsey Montgomery, AL Mark Woodruff Agency

Kelly McDuffee Chicago, IL Rob Czerwinksi Agency

Matalyn Onstad Billings, MT Jessica Hubley Agency

Tammy Page Columbus, MS Cedric Higgins Agency

Michael Patton Orlando, FL Owen Wilson Agency

Theresa Porter Chicago, IL Rob Czerwinski Agency

Dustin Watkins Florence, AL Lonell Plyler Agency

Anthony Vestal Chicago, IL Rob Czerwinksi Agency

Timothy Wertz Springfield North, MO Tim Nuckolls Agency

Thach Vu Enterprise, AL Sherri Young Agency

Ben Williams Huntsville, AL Tony Carter Agency

anniversaries

31 Years of Service Robert Bice Jr., Agent Robert New, AD

28 Years of Service Charles Rush, AD

26 Years of Service Alan Beck, AD

22 Years of Service Floyd Byers, AD

19 Years of Service Raymond Henderson, Agent

18 Years of Service Randall Bedwell, Agent Patrick Stafford, AD

15 Years of Service Angela Hanson, AO

12 Years of Service John Love, Agent

11 Years of Service Denise Pugh, Agent

9 Years of Service Todd Lomenick, AO

8 Years of Service Edna Owens, Agent Gabriel Speaks, AD Brandy Vickers, Agent

7 Years of Service Cedric Higgins, AO

6 Years of Service Craig Wilson, AD

LNL anniversaries according to Company records. 6 - torch December 2013 I believe

5 Years of Service Jason Adams, Agent Debbie Butler, Agent Missy Henderson, AD Kenneth Keith, AD Veta Melvin, AD Beverly Milner, Agent Nick Slagle, AO Jeff Wallmark, Agent

4 Years of Service Cecil Graham, Agent April Lambeth, Agent Tonya Woodson, AD

3 Years of Service Michael Harkin, AD Jon Hill, Agent Bernard Marsalis, Agent Lee Rodriguez, AD Carol Speaks, Agent Justin Waddle, AD

2 Years of Service James Bishop, Agent Regina Butler, Agent Alex Henderson, Agent Hunter Self, Agent Blease Turner, AD Alice Weston-Sherwood, Agent

1 Year of Service Christina Ambriz, AD John Barnett, Agent Clare Barrett, Agent Randy Davis, AO Susan Driggers, Agent Lester Green, Agent Markessius Hill, Agent Debra King, AD Glenn Lambert, Agent Peaches Lynch, Agent Robert Shivers, Agent

Director of the Month

Congratulations to Directors Allen Nelson and SVP Roger Rich for tying for Liberty National's November Director of the Month Award. Allen and Roger's names will be engraved on a Director plaque displayed at the Home Office. Executive Vice President

and Chief Agency Officer Steve DiChiaro recognized Allen and Roger at the December Directors' meeting.

Director Allen Nelson SVP Roger Rich

Liberty National Book Club

The 15 Invaluable Laws of Growth: Live Them and Reach Your Potential

Are you fired-up and excited for a fresh start in 2014? All the possibilities and opportunities for success with Liberty National are overwhelming (in a good way)! It's time to make your goals clear and commit to executing them. It can be easy to lose track of priorities, but with a little motivation and the right leadership guides, you're set!

In December's Book Club read, The 15 Invaluable Laws of Growth: Live Them and Reach Your Potential by John C. Maxwell, readers learn how to increase their potential and never run out of the energy that makes them successful. This book will help you learn how to take your career and personal growth to new heights.

Maxwell believes in specific principles or laws that help readers achieve personal growth and highlights these 15 laws in the book. As a leadership expert, Maxwell considers these laws crucial. After he explains each law, Maxwell gives the reader space to create his or her personal growth plan of action.

Growing your team and striving to continuously reach important preestablished benchmarks and goals are some of the most important steps in building your Agency and creating your legacy. Whether you're an Agent, Supervising Agent, Agency Director, or Agency Owner, the principles in Maxwell's book will help you form better working relationships to grow your team and create the legacy you desire.

Read the book? Have a comment? Join the discussion on the blog!

I believe torch December 2013 - 7

thoen20s1c4hceodnulveenfotiron

TIM ADERHOLT AGENCY Gainesville, GA

BILL LACOUNT BRANDON GARRETT COREY HULSEY CRAIG WILSON DARREN ALEXANDER DREW ADERHOLT MARK WARREN RANDY REEVES SERGE CLOUATRE TERESA KEMP TIMOTHY BUCKNER YOLY DALE

RICKY BEARD AGENCY Corinth, MS

BRADLEY GRAY CHAD ESSARY DEBBIE BUTLER JAMIE BARNES

KATHY BLANCO AGENCY Tampa Bay, FL

DAVID BURGMAN JOHAN BLANCO LISA DENTON

SKIP BOND AGENCY Indianapolis North, IN

BOB WORTHINGTON DANIELLE JOHNSTON HOLLY WILHELM KYLE KELLER SKIP BOND*

JOHN BROOKS JR. AGENCY Dothan, AL

DAVID BASS JOHN LOVE LAUREN SUTLEY ROBERT RICHARDS JR. TERRY FARRIS

BRIAN CANNINGTON AGENCY Waycross, GA

ADAM VAN DALEY BRITT MARCHMAN DARNESHIA PITCHFORD HANA MOORMAN MARY DURDEN PAM ROLLER STANLEY JOHNSON TINA NICHOLS

TONY CARTER AGENCY Huntsville, AL

ELIZABETH CARTER

ROB CZERWINSKI AGENCY Chicago, IL

KELLY MCDUFFEE ROB CZERWINSKI*

HAIM ELFERSY AGENCY Jacksonville, FL

GLORIA SINCLAIR

JASON EVERETT AGENCY Little Rock, AR

BARRY HOGAN CHARLES BROWN JR. KEITH BENNETT MATT CARDER MATT CARTER MELISSA NUCKOLLS MISSY HENDERSON RYAN POTTS STEPHANIE LAWRENCE TERRI HOGAN

CHRIS GRAHAM AGENCY Houston, TX

CHRIS GRAHAM*

JOHN HADDER AGENCY Birmingham North, AL

DAVID BAILEY REGINA VINES

ANGELA HANSON AGENCY Alexander City, AL

AMANDA WILLIAMS JUDITH GILBERT KENNETH BUCK

STEVE HARRIS AGENCY Anniston, AL

JOHN GOSS III JONATHON EVERLY SHERRY MATHEWS

BEN HASTINGS AGENCY Columbia, SC

BEN HASTINGS* BRUCE ALDEN JAMES LAWRENCE JASON LANIER MELISHA SHUMPERT PAMELA MARTIN LYNCH SCOTT SMITH SUSAN CRANDALL

CEDRIC HIGGINS AGENCY Columbus, MS

BERNARD MARSALIS HENRY REECE

JESSICA HUBLEY AGENCY Billings, MT

JESSICA HUBLEY* MATALYN ONSTAD

STEPHANIE JACKSON AGENCY Chattanooga, TN

B. SCOTT JACKSON NEAL TONY BAILEY II STEPHANIE JACKSON*

DEANE JEWETT AGENCY Columbus, GA

LORI JEWETT RICKY TAYLOR

VICKIE KETRON AGENCY Knoxville, TN

CAROL SPEAKS CHRISTA KILGORE GABRIEL SPEAKS JAMES BOWMAN NIKKI LEWIS SHARI GROOMS

BILL KNOWLES AGENCY Macon, GA

CASSANDRA ALBRITTON REGINA GREEN SAMANTHA MADDOX

SHANNON LAMBETH AGENCY Baldwin County, AL

HUNTER SELF

CLINT MCLAIN AGENCY Jasper, AL

ALAN GOFORTH JACOB ANDERSON MATTHEW WILSON PHILIP NICHOLS RAYMOND SMITH

JEFF MILLER AGENCY Springfield East, MO

A.J. GOOD JACOB MILLER KIM FEAGER MARK WOFFORD TODD BAXTER

EDDIE MILNER AGENCY Birmingham South, AL

MARY VENEZIA MICHAEL SMITHERMAN ROBERT BICE JR.

KEITH MITCHELL AGENCY Jackson, AL

DONNA CHANCEY SHEILA MITCHELL SONJA OVERSTREET WILLIAM ALLEN

TIM NUCKOLLS AGENCY Springfield North, MO

AMY BYRD BRENT STANTON JASON ADAMS MICHAEL CHAMBERS RONDA HEIN TIM NUCKOLLS* TIMOTHY WERTZ WENDI THORNTON

MARVIN ODELL AGENCY Tuscaloosa, AL

CARLOS LOGAN DOUGLAS LAVENDER MARVIN ODELL*

CARL PEEVY AGENCY Atlanta, GA

CARL PEEVY*

MITCH PHELPS AGENCY Charlotte Central, NC

ANGELA BOHNAKER ASHLEY RABON CHRIS CASTLEBERRY JONATHAN FELD MELINDA HARMON ROGER WILLIAMS

LONELL PLYLER AGENCY Florence, AL

JERRY CROWELL KAY PERRYMAN

HOWARD RALSTON AGENCY Dalton, GA

BRANDON HERNDON CHAD WINDOM DAVID TAYLOR DONALD ASBELL GARY SMITH KRISTIN LINN MARION BEACHAM MARK CHANDLER STEVEN BYERS

TIM REEVES AGENCY Pensacola, FL

PAUL MIKELL

BYRON SCHREIBER AGENCY Decatur, AL

ARCHIE TERRY JR.

SELLORS-SELLORS AGENCY Ft. Worth, TX

BRITTANY SELLORS FRANK DEL BOSQUE JEFF SPLAWN LISA BLANTON MICHELE SELLORS*

NICK SLAGLE AGENCY Springdale, AR

ADDISON EVERETT KEVIN PETERSON NICK SLAGLE* SHAWNA PEGG VETA MELVIN

REX SMEDLEY AGENCY Austin, TX

RACHEL FENZ

AARON SNIDER AGENCY Indianapolis, IN

AARON SNIDER* BARBARA LANTZ MALLORY MICHAELS

ALAN SPAFFORD AGENCY St. George, UT

ELIDORA LOVELESS

RON TADLE AGENCY Cleveland, TN

DANIEL HUNTER JOHN BROWN PATRICK KNOWLES RON TADLE*

JILL WILMETH AGENCY Nashville, TN

KEITH CARR RICHARD CRABTREE ROSEANNE SILBERMAN

OWEN WILSON AGENCY Orlando, FL

C.J. COLLAZO SR. DESH LACHMAN EMMANUEL LYLES GARY RUDD GARY TETREAULT JULIE PALIUCA OWEN WILSON* TONYA WOODSON UNA WALTERS

LARRY WOOD AGENCY Charlotte East, NC

BUDDY MITCHELL HILLIARD BUCHANAN IV ROBERT GEORGES TIM BAUCOM

MARK WOODRUFF AGENCY Montgomery, AL

AMY ESTES CHARLES SMITH GARY DOBBS

SHERRI YOUNG AGENCY Enterprise, AL

ASHTON MCKELVY DAVID MILLER KERI ANDERSON LEIGHANNE CREWS

8 - torch December 2013 I believe

Liberty National recognizes Agents, Supervising Agents, Agency Directors, and Agency Owners, who are on schedule as of 12.06.13 for the 2014 Convention to be held June 22 - June 25, 2014. Qualifiers and/or Torch Club honorees must meet applicable Company minimum standards and qualifications for production, persistency, DCN, and recruiting to attend and/or be recognized in our Company magazine. *10 percent and above growth

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