NAIFA-Columbus-January, 2013



2013-2014 Calendar of Events - NAIFA Columbus


Wednesday, September 18, 2013

CE Seminar on Policy Review (Offering 1 hour of CE credit)
10:00 a.m. – 11:00 a.m.
Speaker: Craig Berson
Cost: FREE for NAIFA-Columbus Members / $35 for Guests and Non-Members
Location: J. Liu Restaurant, 6880 N. High Street, Worthington OH 43085

NAIFA-Columbus Membership Luncheon
11:30 a.m. - 1:00 p.m.
Speaker: James Fuller, LUTCF, Member, MDRT
"Nine Steps to Building Your Insurance Practice and Your Community"
Cost: FREE for NAIFA-Columbus Members / $25 for Guests and Non-Members
Location: J. Liu Restaurant, 6880 N. High Street, Worthington OH 43085

Monday, October 14, 2013

NAIFA-Columbus MDRT Experience II
7:30 a.m. - 4:00 p.m.
Cost: $150 for NAIFA Members / $200 for Non-Members
$750 for Table of 10
Location: Hilton Downtown, 401 N. High Street, Columbus 43215

Wednesday, November 20, 2013

CE Seminar (Offering 2 Hours of CE Credit)
9:00 a.m. - 11:00 a.m.
Speaker: TBD
Cost: FREE for NAIFA-Columbus Members / $35 for Guests or Non-Members
Location: J. Liu Restaurant, 6880 N. High Street, Worthington 43085

NAIFA-Columbus Membership Luncheon
11:30 a.m. - 1:00 p.m.
Speaker: Michelle Prather
"The Current State of the Long-Term Care industry and How Products are Developing in These Times"
Cost: Free for NAIFA-Columbus Members / $25 for Guests / Non-Members
Location: J. Liu Restaurant, 6880 N. High Street, Worthington OH 43085


Member Services

NAIFA’s Webinar Series

By: Aaron Forbes
Member Services Chair

NAIFA Programs-in-a-Box Seminar Series

Take advantage of NAIFA’s Programs-in-a-Box series to boost your business!

NAIFA’s Programs-in-a Box are designed to help local and state associations provide enhanced benefits for members. 

These multimedia educational programs, many of which are eligible for CE credit, can be used for monthly meetings, special seminars or in your own practice and include topics on life insurance and annuities, health and employee benefits, multiline, financial advising and investments, practice management, ethics, prospecting, marketing and sales.  A presenter recognized as an authority on the subject being covered develops each of these programs in collaboration with NAIFA.

Presentations are provided with accompanying handouts and supporting documents through the NAIFA Online Leaders Training Center. 

Programs are also available on DVD and DC-Rom through the NAIFA Marketplace. 

Check out the programs available and see how you can use your NAIFA membership to propel your business.  You can access information on this wonderful offering through the NAIFA National website ( under Member Benefits – Speaker Center.


Join NAIFA-Columbus

Join NAIFA-Columbus

September Meeting

CE Seminar and Membership Luncheon

Wednesday, September 18, 2013
10:00 am – 1:00 pm
J. Liu Restaurant, 6880 N. High Street, Worthington OH

CE Seminar on Policy Review

(offering 1 hour of CE credit)
Time: 10:00 am – 11:00 am
Speaker: Craig Berson, Berson-Sokol

Craig Berson is the CEO / President of Berson–Sokol Agency, Inc. The insurance business was in his blood and he became licensed while a senior in high school. Craig graduated from Ohio State University with a major in Insurance and while there served as President of “ Gamma Iota Sigma” the insurance fraternity. After selling insurance and working in a home office Craig joined the agency in 1982 and immediately increased agency sales 2 fold within his first year. With Craig’s eye for adding value added services and strong business management skills, the agency has continued to grow and today the agency enjoys a strong regional presence as well as National deals with prestigious partners.

Craig has served on various Insurance Company Advisory Boards, local and national insurance association boards and is a member and supporter of many NAIFA chapters throughout Ohio. He is also a member of NAILBA, Society of Financial Service Providers, SubCenters and The Marketing Alliance. When not working Craig can be found enjoying time with his daughter, and their animals. His passions include fine wine, travel and helping animals.

Membership Luncheon

Time: 11:30 am – 1:00 pm
Speaker: James Fuller, LUTCF, Sinder, Fuller and Stroh

“Nine Steps to Building Your Insurance Practice and Your Community”

Jim Fuller has over 39 years of experience as an insurance and financial advisor with Snider, Fuller and Stroh.  Jim served as President of the Ohio Association of Insurance and Financial Advisors during the 2000-2001 year.  He has served as the Chair for the National Association of Insurance and Financial Advisors Political Action Committee from 2010-2012.  Jim is a life and qualifying member of the Million Dollar Round Table (MDRT), the Premier Association of Financial Professionals. 

Necessity of Community Involvement
Jim has traveled extensively around the country as a guest speaker to industry professionals regarding the education of clients and agents, the necessity of community involvement and ethical conduct in the field of insurance and financial services.

A graduate of The Ohio State University, College of Business, Jim is a Life Underwriter Training Council Fellow (LUTCF).  Jim has co-hosted “Conversations from Studio B – The Civil War” for the past 16 years on WOUB Radio Public Broadcasting and the World Wide Web, is a past member of Athens City Council and an Adjunct Professor at Ohio University’s Finance Department.


A day of inspirational ideas to take your business to the next level and beyond!

Presented by

Monday, October 14, 2013
7:30 a.m. - 4:00 p.m.

Hilton Downtown, 401 North High Street, Columbus OH 43215


Diane R. Boyle, HIA – Vice President of Federal Government Relations for NAIFA
Tom Hegna, CLU, ChFC, CASL
Van E. Mueller, LUTCF
Brian D. Heckert, CLU, ChFC - Second Vice President of the MDRT Executive Committee
Mike Schlappi – Four-Time Gold Paralympic Medalist
DI Panel – John D. Dovich, Allan W. Lepley, Hoyt Murray and Alan Resnik

Registraion Costs

$150 for NAIFA members / $200 for non-members / $750 for Table of 10

Additional details and registration Information can be found on attached brochure.

National Committee Report

Cort Bradbury, National Committeeperson

Cort Bradbury


NAIFA’s Unique Franchise…voters, taxpayers, job creators in every state and district.

Congress Breaks for Recess, Leaving Staff to Craft Initial Tax Reform Plans


On August 3, Congress left Washington for its five-week August recess, leaving the task of initial drafting of fundamental tax reform proposals to the technicians—the House Ways and Means, Senate Finance and Joint Tax Committees’ professional staffs. The Treasury Department will very likely also have some August input into the process.

Both chairmen of the tax-writing committees—Sen. Max Baucus (D-MT) of Senate Finance and Rep. Dave Camp (R-MI) of House Ways & Means—say they will release a tax reform proposal “after Labor Day” and take it to their respective committees for mark-up in October.

The Cost of Tax Reform: Both tax reform plans will be based on lowered tax rates and a broadened tax base. The base-broadening must achieve enough revenue to at least offset the cost of lowering the rates (and possibly additional revenue allocated for deficit reduction). Revenue estimates that will determine the extent to which the base must be broadened are not yet available, although the first, early (and possibly not reliable) one suggests that current law tax provisions would have to be cut by about 42 percent.

The House GOP goal—which is ambitious and may not be achievable—is to lower and consolidate individual and corporate tax rates to just two: 10 percent and 25 percent for individuals, and 15 percent and 25 percent for corporations. On July 18, using assumptions that may not reflect the House GOP’s thinking, the JCT provided a revenue estimate of $5.2 trillion over 10 years (about $3.77 trillion from individual tax rules and about $1.5 trillion from corporate tax rules) as the cost of lowering the rates as outlined, and also repealing the alternative minimum tax (AMT). The total 10-year cost of tax expenditures, the Congressional Budget Office (CBO) says, is about $12 trillion.

This revenue estimate could be significantly off the mark, if initial plans choose a different income level for the change-over from the 10 percent/15 percent tax rates to the 25 percent rate. (JCT’s revenue estimate uses the current law’s “break points.”) Use of three rather than two rate brackets, or a higher top rate could also significantly alter the revenue estimate.

What’s At Risk: With such a huge revenue target to reach, tax writers will look at every tax rule, alternative sources of revenue, and limits based on income and/or size of the tax provision. Some possibilities include:

  • Limiting current tax rules governing life insurance and annuity cash values to policies below a certain size, cash value credits below a certain amount, or policyholders whose incomes fall below a certain level
  • A limit on the value of deductions, exclusions, credits and/or deferrals
  • Size of asset and/or income limits could also be applied to pension contributions and/or account balances, and to benefits provided on a tax-free (or tax-deferred) basis to employees with incomes above a ceiling amount
  • Consolidation of pension plan design options
  • Changes aimed at generating more tax liability from capital gains
  • Elimination (or restrictions on) specific tax provisions (e.g., will a reformed tax code continue to allow tax-free contributions to flexible spending accounts (FSAs) and/or health savings accounts (HSAs)?)
  • Estate tax rules
  • Limits on tax-free employer-provided health insurance (and other employer-provided benefits, such as disability income or long-term care insurance)

Prospects and NAIFA’s August Walk-In: Both chairmen acknowledge that their plans will be significantly different—a plan that can pass muster in the Democratic-controlled Senate will probably have to include revenue allocated to deficit reduction, while a plan that the GOP-run House will support will have to be revenue neutral (i.e., all revenue from broadening the tax base will have to go toward lowering tax rates). The key, both chairmen say, is for each chamber to approve a plan and get to a House-Senate conference, likely not before 2014.

Regardless, issues important to NAIFA members and their clients will be in play in both chambers. And August is a key time for NAIFA members to participate in the  NAIFA “walk-in” to remind their lawmakers, while they are in their home districts and states between now and Labor Day, of the critical importance of current tax rules to the vast majority of Americans who use life insurance, annuities, pensions, retirement savings, employer-provided health insurance and other employer-provided benefits to provide financial security for their families and businesses.

Visit NAIFA’s Walk-in site for additional information and supporting documents as well as to sign up to participate.

NAIFA Staff Contact: Diane Boyle, Vice President—Federal Government Relations, at (703) 770-8252, or Judi Carsrud, Director—Federal Government Relations, at (703) 770-8155.

Community Service

Bob Johnson, Chairperson
NAIFA-Columbus Community Service


Your assistance is needed. 

NAIFA-Columbus wants to honor and recognize excellent Central Ohio educators. They may teach in a public school, private school, charter school, or serve as a coach. This criterion sets them apart.  Do they challenge and motivate children to do their best?  Do students grow and excel under their tutelage?  Another factor to consider: are they involved in community service?

Send the nominee’s name, phone number, grade and/or subject they teach, and 3 or 4 sentences stating why you are nominating them.  Send your nomination via email to Renae Davies.  Include your name and phone number.

The nominee chosen as EDUCATOR OF THE MONTH will be invited to our monthly meeting.  They will have 5 to 7 minutes to talk about their work and philosophy of education.  We will also present them with an engraved plaque.

Call or email Bob Johnson, W 614-785-5100 x202,  if you have questions.

Thank you.





BWC’s Group Rating Program Offers Employers Beneficial Savings

This time of year, you will likely start receiving offers encouraging you to enroll in different workers’ compensation group rating programs.  Choosing a group rating program with high savings is important, but there are other factors you should consider, such as:

A Group’s Proven Performance & Return-on-Investment
Traditional Group Rating is the only guaranteed way companies can save a significant amount on their workers’ compensation premium.  Since the inception of group rating in 1991, CareWorks Consultants’ group rating programs participants have saved more than $2 billion in workers’ compensation premiums.  For every $1.00 spent in participation fees, the average participant in a CareWorks Consultants’ administered program saved $11.00 in workers’ compensation premium, that’s a 1000% return-on-investment!

Group Size & Stability
Currently, more than 27,000 companies participate in a CareWorks Consultants’ administered group rating program.  CareWorks Consultants is Ohio’s largest private group rating program administrator.  For the 2013 policy year we filed 83 workers’ compensation group rating plans, 20% more than our competitors. For employers, this means more opportunities for potentially higher savings and more predictable discounts than any other third party administrator in the industry.

Employers should be wary of other plans that offer higher discounts.  Plans with fewer employers often overstate their projected discounts and then under deliver after you have enrolled.   

It Pays to Compare
All companies should annually review their group rating eligibility.  If you are already a client of CareWorks Consultants your eligibility is automatically reviewed.  If you are not a CareWorks Consultants’ client or did not qualify for group rating last year, please take advantage of our no-cost, no-obligation analysis.

How Do I Apply?
Contact CareWorks Consultants, toll-free, at 1-800-837-3200 or visit us at to obtain a group rating application. Once your group application is submitted, you will receive an email confirmation receipt of the application as well as a confirmation by mail.  If you qualify, your no-cost, no-obligation analysis of potential premium savings will be mailed to you.