rom the desk of

Execulive Vice Pre:

"The credit belongs to those people in the

arena, who know the

Sharing The Vision

The last six months I've been around the country preaching about selling the American Income opportunity. I’ve talked about having a belief system and believing in your relationships. I've focused on how having the right attitude makes a difference when approaching each sale. And, I've discussed the importance of teamwork and how a team effort can contribute to individual success. Now I want to share my vision of where American Income can be in the future.

For the past four years this Company has remained stable at $50 million a year in production with an Agent force of 1,200. So, I asked myself — Why can't we be the size of a Metropolitan or a Prudential? And, why should we just settle for being a good mid-size company? Well, this year will be different. I’m ready to play with the big boys! How about you? What about now — this year, the year 2000?

I've committed to Mark McAndrew and Torchmark that American Income would hire 2000 Agents in the year 2000. At our convention in Maui I introduced this to you as our theme for the year 2000 — Step up, so others can step in, 2000 in 2000. 1 believe that with an Agent force of over 2400, together we can bring AIL up to $100 million a year in production. However, 1 must warn you this involves some risk. More specifically, it involves stepping out of your comfort zone.

Let's consider what we have already accomplished this year. We made February the best February we have had in Company history. And, to make sure people didn’t say it was a fluke, we did it again in March. We wrote $5.3 million of ALP and netted 78%, the highest net to gross in Company history, for the month of March. Also, in the last two months we have brought in over 400 new American Incomers, You see, many people have the wisdom to do the right thing but only those with integrity actually do it. You've done it in February and March, and Гат

June 1, (Thursday) — 2000

Executive Advisory Council Meeting in

Dallas, TX

June 1-3, (Thursday - Saturday) — 2000

SGA Meeting in Dallas, Texas

June 22-24, (Thursday-Saturday) — 2000 Leadership Development Seminar in Waco, TX July 1-31, 2000 — Founder's Month

In honor of AIL's founder Bernard Rapoport we have renamed the former My Month Production Period, Founder’s Month. Watch for detai upcoming issues of the Spotlight.

72.29%

qualification requirements for all bonuses. Only net to gross is used during the first eight months from Agent's hire date.

: These figures will be used as the minimum

PERSPECTIVE IMPORTANT NEWS Dates 10 Rememher A Letter From The White House May 30 - June 2, (Tuesday - Friday) — 2000 Public Relations Boot Camp, George Meany March 28, 2000 Center, Washington, D.C. Dear Bernard:

1 really wish Hillary and I could be among your many friends and admirers who are gathering tomorrow to pay you tribute. You are a great friend, and you deserve a very special evening.

We join in honoring you for your great business savvy and leadership, your exemplary generosity, and your deep commitment to the Democratic Party. On so many fronts, your distinguished service has made a real difference, I will always be grateful for your support, enthusiasm, and hard work over the years and I know that you will continue to be a force in the Party and in all that you do.

Hillary and I send our heartfelt appreciation for your steadfast friendship and support. Best "wishes for а memorable evening.

Sincerely,

Bill Clinton

great enthusiasms, the President of the United States

quite confident that with this momentum, we will achieve our goal of 2000 in 2000. The other day I picked up a card and on the front it said:

Watch your thoughts for they become words

Choose your words for they become actions

Understand your actions for they become habits

Study your habits for they will become your character

great devotions to a

worthy cause, who at

Founder's Club Outstanding Producers

best know the triumph

of high achievement and SI TUSTIN RUSTED Ea Develop your character for it becomes your destiny. March who at worst fail while Integrity and ethics will be our thoughts. Follow me will be our words. Giving the # of Times Total dati toatl best of ourselves will be our actions, Looking forthe bestin others will become a Qualified Net ALP Persistency abit. Doing the right thing will develop our character. Our destiny will be = Theodore Roose American Income Life because it will be you and I continuing the legacy and carrying the torch into the future. Бэй ptm сау pei Now it’s time to step out of that box. Lift off that ceiling. Remove the i БН Novellino со КАШ, barriers and refuse to acknowledge limitations. It's time to step up, so M

Steve Polederos | Zeidner-Cowan Jack Seitz Hancock-Boles

others can step in.

©2000 by American Income Life Insurance Company. The Spotlight is published monthly by American Income Life, Letters are encouraged on. ow we can do a better job for you. Send all inquiries and submissions to РО, Box 2608, Waco, TX 76797, Attn: Spotlight,

2 лиле Spot » Apal 2000 дрн 2000+ Трон ЛШ. 3

Tips FRoM ТНЕ ТОР

Top Individual Producers

1 Steve Polederos Southfield, MI SGA: Zeidner-Cowan

“Steve believes helping families understand what they have and fulfilling their long term needs. In those immortal words — if 1 can’t help you, 1 won't hurt you."

2. Ladislav Lesanok

Worcester, МА. SGA: Ali Shahrak

“Ladi is very competitive and would love to win and get ahead. Не sets ап example by actions and not words. Гат impressed when Ladi predicts his production — he always writes more production than

he predicts.”

3. Mitchell Clem Irving, TX SGA: William Devine “Mitch las an insatiable appetite to be No, 1."

4 MIL The Spotigh «Aga 2000

Randy М

Redmond, WA SGA: Rick Altig

“Randy is a top PR Rep and manager

labor movement, social justice and the need for fair wages, working conditions

and benefits. He has a unique talent for

translating that into what AIL has to

offer the labor movement, As Randy says, ‘It's about recreating the past to give more

hope to the future.’”

Chicago, IL SGA: Scott Smith

“Bill has over 35 years of experience at American Income. His experience in building long-lasting relationships and his commitment to a high level of

customer service are his greatest assets.”

3. Darrell Dorey Riverview, NB SGA: Ramin Kouladji

“Darrell’s strong belief and dedication to the cause sets him apart from others. In short, he is а тап with a mission and a tremendous contributor to our ‘Agency's success.”

because he has a strong conviction for the

Promoted To Supervising Agent

‘Terrence Banks. ‘Michael Bierle ‘King Cheek Surace-Surace Scott Smith David Hausman Ohio Towa Georgia Naija Proby Janice Stokes ‘Omid Tanzi Richard Neal Pat Shehan Scott Smith Tennessee Connecticut Illinois ‘Michael Wehrly Christian Weissmann Joseph Wintield Bruce Gilpatrick Michael Busico Greg Partee Oregon California Indiana Promoted To General Agent Peter Bendheim. Shirley Brown Floyd Davis. Michael Lavin Larry Geneser Michael Lavin Pennsylvania Kansas Pennsylvania Lawrence Dennis ‘Michael Gibson Vincent Guillory Zeidner-Cowan Hancock-Boles Bill Boyle Michigan Ohio Louisiana ‘Stanley Norris Papuga Marisol Portillo-Mata Dennis Ishler Michael Lavin Cohen-Rutt Pennsylvania Pennsylvania California Terry Smith Dennis Ishler

Pennsylvania

Promoted To Master С

паме! Andrecheck Norman Bartoot

Pat Shehan Dan Rubio Rick Altig Connecticut Alabama Washington Russell Morris Brian Schacter Keith Taylor Marc Zipper Greg Partee Justin A. Jones Florida Indiana Mississippi

Laj Patel David Hausman Georgia

‘Stacey Wall Eric Giglione New Jersey

‘Donna Wright

Scott Smith Illinois

Gay Deitch Dennis Ishler Pennsylvania

David rive Cohen-Rutt California

Timothy Simpson

Rick Altig Manitoba

Jose Cosio Cohen-Rutt California

Chris Wittenbach Justin A. Jones. Mississippi

SUOHOWOId

“Now it's time to step out of that box. Lift off that ceiling. Remove the barriers and refuse to acknowledge limitations. It’s time to step up, so others can step in.”

— Roger Smith

Anil 2000 Th Spotight AML, 5

P INDIVIDUA MARCH ToP INDIVIDUAL PRODUC. - YTD AlI Ti "cord to Beat | | Net ALP | Year | $221,368 | 1999 | | MGA SGA Net ALP | Pers | NG MGA | | 1. Steven Polederos | $20415 86.80 88 Zeidner-Cowan | 1. Steven Polederos $56,284 86.80 88 Zeidner-Cowan 2. Ladislav Lesanek 19181 97 Ali Shahrak 2. Timothy Cruise 54,396 | 51 | AndyZomaya Scott Smith 3. Mitchell Clem 18550 98 William Devine 3. James Dattilo 45,996 89 | Ed Orell Marc Zipper 4. James Dattilo 18,024 | зә | Ed Orell Marc Zipper 4. Eddie Norman 44121 53 | Eddie Norman Larry Geneser 5. Brian Waller 17,748 | 92 Robert Olson Scott Smith 5. Brian Traboulay 43,911 95 Brian Traboulay Rick Altig 6. Kim Sprenger 17,624 | 2 Gary Bleier 6. Steve Khadivian 42,775 90 Scott Smith 7. David Ashour 17,581 | | 92 ‘Scott Smith 7. J. Saul Quiroz 42226 9t Jose Quiroz Michael Busico 8. Rudi Camenzind 17453 94 Erik Graham. Cohen-Rutt 8. Ruben Soberanes 41,732 ва Jatoft-Foti 9. Steve Khadivian 17,373 | 9 Scott Smith 9. Angeles Ordas 39,143 91 Michael Busico 10. Frauline McGuire — | 17295 89 Anne O'Driscoll 30. Mitchell Clem. 38,862 98 William Devine 11. J. Saul Quiroz 16859 | | я | Jose Quiroz Michael Busico 11. Gleb Ostrovsky 38281 9 | Justin A. Jones 12. Stella Ezros 16,171 | 97 Isaac Soussana. Cohen-Rutt. 12. Diana Watkins 37,676 86 Hurst Kopp. Bruce Gilpatrick 13. Lazarus Echeta 16,076 | 55 | Lazarus Echeta. Kevin Pawlowski 13. Arkadi Nulman 37,047 57 | Vlad Basov Larry Geneser 14. Brian Traboulay 15,880 95 | Brian Traboulay Rick Altig 14. Frauline McGuire. 36,098 89 Anne O'Driscoll 15, Bradley Kincaid 15823 2 Dennis Muth Rick Altig 15. Wesley Bangs 35263 84 | Wendell Bangs Rick Altig. 16, Jinzhou Zhao 15599 | 92 | WiburSmith Rick Altig 16. Michael Crain 35,059 58 | Andy Zomaya Scott Smith 17, John DeRosier 15135 9 John DeRosier Rick Altig. 17. Scott Sonnenberg 3450 | 93 Ryan Whitley Larry Geneser 18, Edward Bailey 15090 87 Larry Weiner 18. Alan Becker 33,984 98 Yaroslav Bitman. Larry Geneser 19, William Shevenell 14974 ә | Robert Dunn Rick Mansfield 19. Jack Sei 33022 39 | Ross Boles Hancock-Boles 20, Matthew Zeoli 14929 89 Pat Shehan 20. Kelly McDonald 32,890 вз | Kelly McDonald. Jatoft-Foti 21, Thomas Favata 14,845 9% George Cook 21. Marisol Portillo-Mata 32,555 93 Isaac Soussana. Cohen-Rutt 22. Jacob Landfair. 14,774 89 Yaroslav Bitman Larry Geneser 22. Leanne Hughes 32216 | 99 Jeffrey Dinocento Eric Giglione 23, Lawrence Hauck. 147% | 8318 87 Steve Friedlander 23. Thomas Gilbert 31,986 87 Jeffory Churchfield Rick Altig, 24, Lance Brown 14620 57 | Michael Pritchett Larry Geneser 24. Matthew Zeoli 31,920 89 Pat Shehan 25, Scott Sonnenberg 14453 B Ryan Whitley Larry Geneser 25. Scott Remmey 31,787 100 | Jeffrey Dinocento Eric Giglione 26, Omid Tanzif was | 87 Scott Smith 26. Eddie Dhillon 31,749 вв | Kevin Khadivian Scott Smith 27, Diana Watkins Mas | s6 | Hurst Kopp Bruce Gilpatrick 27. Edward Brown 31,641 94 Marc Morton 28, Angeles Ordas 14262 9 Michael Busico 28. Michael Silver 31,630 95 Jeffrey Horsky Larry Weiner 29, Steven Lee 14196 9 Melinda-Rae Lyse Rick Altig. 29. Jerry Colley 31,593 83 Jerry Colley Rick Altig 30, Gary Hausman 14152 99 | William Cook Cohen-Rutt 30. Ladislav Lesanek 31,587 97 Ali Shahrak 3 1455 91 | Janice King Rick Altig 31. William Shevenell 31392 96 | Robert Dunn Rick Mansfield. x 14091 10 | Dennis Muth Rick Altig 32. Lawrence Hauck 31307 8318 87 Steve Friedlander Arkadi Nulman 14024 87 Vlad Basov Larry Geneser 33. Chris Wittenbach 31322 92 Justin A. Jones. 34, Dennis Dakin 13,564 92 Joshua Chalom 34. Adel Kouhari 31307 89 Robert Glover х Eddie Dhillon 13509 з | Kevin Khadivian Scott Smith 35. Shirley Brown 31,107 83 Larry Geneser » Mark Bevis 13,399 100 Erik Graham. Cohen-Rutt. 36. Rudi Camenzind 30,920 94 Erik Graham Cohen-Rutt. 37. Joel vary 13307 5 Marc Morton | | 37. Abdulrazzag Ahmed | 30870 2 Robert Glover i Sam Feizi 1828 | 2 Ali Shahrak 38. Mark Bleier 30,849 92 Gary Bleier . Michael O'Rourke 13,175 97 | Ryan Whitley Larry Geneser 39, James Harris 30,841 98 | Stephen Liberto Eric Giglione 40, Jose Sanchez. 13008 | 97 Есма Scott Smith 40. Jinzhou Zhao 30735 92 | Wilbur Smith Rick Altig 41. Jenna Gaul 12979 96 ‘Hurst Kopp Bruce Gilpatrick | 41. Edward Bailey 30,498 87 Larry Weiner 42. Sonny James 12954 B Kevin Pawlowski 42. Kim Sprenger 29,980 92 Gary Bleier 43. Stephen Ross 12953 BA B Steve Friedlander 43. Brian Waller 29,769 92 Robert Olson Scott Smith 44. Eddie Norman 1275 | 8 Eddie Norman. Larry Geneser 44. Albert DiMarco 29736 83 Albert DiMarco Rick Altig. 45, Jorge Serrano 12558 91 | William Cook. Cohen-Rutt 45. Edward Farley 29,690 88 | Ed Orell | Marc Zipper 46. Ronald Robie 12456 | оя John Hancock Mark Hancock | 46. Vito Pecoraro 29,680 91 Stephen Liberto Eric Giglione 47. Gregory Strausser 12415 889 | в Zeidner-Cowan | 47. John DeRosier 29358 9 John DeRosier | Rick Altig 48. Michael Silver. 12366 | 95 | Jeffrey Horsky Larry Weiner 48. Peter Novellino 29,231 85 | Jeffory Churchfield | Rick Altig 49, Kenny Clark 12366 91 Yaroslav Bitman. Larry Geneser 49. Thomas Favata 28,849 90 George Cook | 50. Paul Black | 12356 92 David Hausman | 50. Kathleen Carpenter 28535 | 848% 77 Surace-Surace "percentage of net to gross. "percentage of net to gross

AIL Tie Speight» Apal 2000.

Apal 2000 Tho Spollgh ЛИ. 7

ТОР INDIVIDUAL PRODUCERS

1, Steven Polederos

Southfield, MI SGA: Zeidner-Cowan

3. Mitchell Clem

Irving, TX SGA: William Devine

Downer's Grove, IL SGA: Scott Smith.

7. David Ashour

Downer’s Grove, IL SGA: Scott Smith

8. Steve Khadivian

Downer's Grove, IL SGA: Scott Smith

Y Ill SGA: Ali Shahrak

4. James Dattilo

Altamonte Springs, FL SGA: Marc Zipper

8. Kim Sprenger

Appleton, WI SGA: Gary Bleier

8. Rudi Camenzind

Los Angeles, СА SGA: Cohen-Rutt

St. John’s, МЕ SGA: Anne O'Driscoll

“Attitude is a little thing that makes a

big difference.”

8 AIL the Speight + Ар! 2000

— Unknown

Hawaii Convention April 5-9, 2000

The 49th Алпиа Sales Convention | was held at the Ritz-Carlton in Maui. Six hundred Agents,

spouses and guests were in attendance.

April 2000+ the рой ЛИ. 9

Bonus

750+ Bonus

Gieatest/

fion

David Ashour SGA! Scoti Smith

Edward Bailey

Mitchell Clem SGA: Wiliam Devine

Timothy Cruise

Lazarus Echeta SGA: Kevin Pawlowski

Stella Ezros

Bradley Kincaid SGA: Rick Alti Ladislav Lesanek

SGA: Lary Weiner SGA: Scott Smith SGA: Cohen-Rutt SGA: Alireza Shahrak Rudi Camonzind James Dattlio Steve Khadivian — Frauline McGuire SGA: Cohen-Rut SGA: Mare Zipper 50А: Scott Smith SGA: Anne O'Driscoll

500+ Bonus

Ahmed Adan-Dheri Timothy Braquen |) Albert DiMarco ‘Drew Johnson SGA: David Hausman SGA: Fick Alig SGA: Fic Alig SGA: Lany Kudacek. Jorge Aguilar Edward Brown Femando Duran Kurt Johnson SGA: JetotFol SGA: Marc Morton SGA: Homing Schrekder SGA: Rick Alig Daniel Andrecheck Phillip Busch James Engel Saleom Khan SGA: ParkShehen SGA: Мат Devine SGA: Patick Shehan SGA: Justin A Jones Robert Appel Teny Butler Edward Farloy Marc Kohnen SGA: Tom Wiliams SGA: Scot Sith SGA: Mare Zipper SGA: Rick Mansteid

Bacheller Kathleen Carpenter Randall Gibson ‘Adel Комп

SGA: Marc Zipper SGA: SwraceSurace 58А: Fick lig SGA: Robert Glover Darrell Ballard Alex Chen Michael Hanson Jacob Landfair. SGA: оой SGA: JattFoli SGA: Pick Atg SGA: Lany Geneser Wesley Bangs Kenny Clark Earle Harris Raymond Lau SGA: Fick Alig SGA: LanyGeneser SGA: Tom Wiliams SGA: Fick Alig ‘Alan Becker Michael Crain James Harris Edmund Leung

SGA: LamyGenes SGA: Scot Smith SGA: Eric бюге. SGA: aot Fol Mark Bevis Baldev Dabhia Jerry Hartnett Larry Malitz

SGA: Cohen utt SGA: Hancock Boles SGA: Marc Morton SGA: Patick Shehan Mark Bleier Kelly Darrow Bulbinder Hayer Danny Mayorga

SGA: Gary ler SGA: HomgScheder SGA: Fick Alg SGA: Tom Wišams James Bliefnick John DeRosier Kamela Jacobs Gene Noury

SGA: Joseph Manone SGA: Fick Alig SGA: BerinBusco SGA: Alireza Shatrak

10 ди. то Spoligh «Ард 2000

Steven Polederos SGA: Zeidner-Cowan Saul Quiroz

SGA: Michael Busico Kim Sprenger SGA: Gary Bleier

Brian Traboulay SGA: Rick Alig

Brian Waller SGA: Scott Smith

Jinzhou Zhao SGA: Rick АМО

‘SGA: Dernis Бег

SGA: Marc Zpper

"The secret of achievement is to not let what you're

doing get to you before you get to it." — God's Little Instruction Book

600+ Bonus

Rosario Aguilar Jerry Colley Jenna Gaul Steven Lee ‘Angeles Ordas Gregory Strausser SGA: Jatott-Foti SGA: Rick Atg SGA: Bruce Gilpatrick SGA: Rick Allg SGA: Michael Busco SGA: Zeidner.Cowan Abdulrazzaq Ahmed Dennis Dakin Thomas Gilbert Раш Lund Ronald Robie Omid Tanzit SGA: Robert Glover SGA: Joshua Chalom SGA: Rick Alig SGA: Scott Smith SGA: Mark Hancock 50А: Scott Smith Rajeev Arora Eddie Dhillon Lawrence Hauck Juan Medina Stephen Ro: Diana Watkins SGA: Rick Alig SGA: Scott Smith 86А: Stove Fediandor SGA: Jato Fot SGA: Stove Friedlander БОА: Bruce Gilpatick Paul Black Thomas Favata Gary Hausman Ronald Miller Jose Sanchez Linda Wilburn SGA: David Hausman SGA: George Cook SGA: Cohen:Ault БСА: Mark Hancock | ЗОЛ Scott Smith SGA: Scott Smith Lance Brown Sam Feizi Joel магу Eddie Norman William Shever Matthow Zeoli SGA: LamyGenesor БСА: AlrezaShahrk SGA: Mare Moron SGA: Lary Geneser SGA: Rick Мапе SGA: Patrick Shehan Elizabeth Caims-Bois Steve Fujitani Sonny James Arkadi Nulman Michael Silver SGA: Rick Allg SGA: Rick Allg SGA: Kevin Pawowski SGA: Larry Geneser SGA: Larry Weiner

400+ Bonus Larry Adebosin William Feaster Leanne Hughes Ralph № Marisol Porlilo-Mata Louis Thompson SGA: Matt Blumer SGA: Home Office 5бАсЕсб юе 56А: Tom Willams 50А: Cohen-Rutt SGA; Patrick Sheha William Bennink Anthony Fiani Steven Jakubczak Leroy Nichols Edwin Rickard David Thornton SGA: David Hausman SGA: Eric Gigione SGA: Scott Smith SGA: Joseph Manone SGA: Lisa D'Amico 58А: Cohen-Rutt Yaroslav Bitman Andrew Fike Martha Johnston Peter Novellino Jason Roberson Victor Velez SGA: Lary Geneser SGA: David Hausman SGA: Rick Alig SGA: Rick Alig SGA: Justin A. Jones SGA: Michael Lavin Dodge Callahan Маһем Gleason Steven Kark Gary Noyes Paul Rumbuc Gary Williams SGA: Justin A. Jones SGA: Амега Shahrak SGA: Joshua Chalom SGA: Lary Geneser SGA: Victor Hancock SGA: Rick Altig Paula Coopor Camilla Goldy Sara Magers Richard Nye Jeffrey Smith Chris Wittenbach SGA: Rick Altig SGA: Cohen-Rut SGA: Cohen-Rutt ‘SGA: Rick Mansfield SGA: LamyGeneser SGA: Justin А. Jone Patrick Coughlin Во Hay Ramin Maghsoud Michael Oliva Ruben Soberanes SGA: Bruce бірак SGA: Rick АМО SGA: Lamy Kudlacek SGA: Соһеп-Наптап SGA: JatoftFati My Dang Michael Hensley Barry Margolin Paul Panlilio Brian Solomon SGA: Wiliam Devine SGA: Marc Zipper SGA: Rick Mansfield SGA: Mare Zipper 59А: Cohenut Aaron Dubois Donald Hostetler Kelly McDonald Roland Parker Peter Soybel SGA: Lany Geneser SGA: Dennis Isher SGA: Jatoft-Foti SGA: Tom Willams SGA: Patrick Shehan Lawrence Enelow Michael Houston Olen McDonald Rigoberto Pedroza Joseph Sucic

SGA: Michael Lavin

SGA: Marc Morton

SGA: Wiliam Devine

SGA: Cohen-Rutt

SGA: Lisa D'Amico

Apri 2000+ The равон AIL 11

ТОР SuPERVISING AGENTS

TOP SUPERVISING AGENTS

Ali Time Record to Be: Month: $46,561 Net ALP

MARCH Production

1. Eddie Dhillon,

2. David Zophin

3. Susan Klein

4. Timothy Thompson 5. Diana Watkins

Ай Time Record to Beat YTD: $234,648 Net ALP

YTD Production

1-Timolhy Thompson 2. Eddie Dhillon 3. Diana Watkins 4. David Zophin 5. Sonny James.

$70,896. 82,410 67,318 82,528 64,125

Kevin Khadivian Hurst Kopp Ed Orell

12 да, The Spotight «Ари 2000

\ 4, Eddie Dhillon

Downer's Grove, IL SGA: Scott Smith

2. David Zophin

Altamonte Springs, FL SGA: Marc Zipper

3. Susan Klein

Los Angeles, CA SGA: Cohen-Rutt

“АП dreams appear impossible until

someone makes them happen." — The Option Institute

91196} 601511190115

Ар 2000+ The 5робу ЛИ. 13

TOP GENERAL AGENTS

ТОР GENERAL AGENTS

Time Record To Beat 103,854 Net ALP Dan Fo!

1. James Peate 80 Ed Orell. Marc Zipper

2. Steve Khadivian 86 Scott Smith

3. Barry Kushner 90 Joshua Chalom

4. Vito Pecoraro 94 Stephen Liberto | Eric Giglione

5. Christian Novacek 86 Ed Orell Maro Zipper.

6. Alan Becker 94 Yaroslav Bitman — | Larry Geneser.

7. Peter Bendheim 90 Michael Lavin

8. Joseph Sucic 94 Lisa D'Amico

9. Geoffrey Allen 91 Rick Mansfield 10. Michael O'Rourke 96 Ryan Whitley Larry Geneser

James Peate Ed Orell. Steve Khadivian

Wendell Bangs

Marc Zipper Scott Smith Rick Attig

Vito Pecoraro Stephen Liberto | Eric Giglione Chris Wittenbach Justin A. Jones Cecile Remington Ramin Kouladji Joseph McArdle Larry Geneser Tony Sutton Larry Geneser

Larry Geneser Lisa D'Amico

Scott Sonnenberg Joseph Sucic.

Өюэмеовомсо

14 ЛИ, The роон «Ар 2000

Altamonte Springs, FL SGA: Mare Zipper

2. Steve Khadivian

Downer's Grove, IL SGA: Scott Smith

Toronto, ON SGA: Joshua Chalom

4. Vito Pecoraro

Edison, NJ SGA: Eric Giglione

Татра, FL SGA: Mare Zipper

“A road not taken is

one whose end you will never know.”

— Anonymous

511981 [619099

Api 2000- The Socdgh ЛИ, 15

ТОР MASTER GENERAL AGENTS

Top MASTER GENERAL AGENTS

All Time Record to Beat

March Production

YTD: $1,186,607 Net ALP Jack Kirschling YTD Production

Melinda-Rae Lyse 40. Dan Stevens

104,772 103,201

192,740 140,856

ал

16 ЛИ. Tho Spotigh «Ард 2000

1. Edward Oreli Tampa, FL

SGA: Marc Zipper

Downer's Grove, IL SGA: Scott Smith

Portland, OR SGA: Bruce Gilpatrick

4. Melinda-Rae lyse

Cal; ‚АВ p SGA: Rick Altig The man who removes

a mountain begins by

carrying away

5. Isaac Soussana

Los Angeles, CA SGA: Cohen-Rutt

small stones.”

— Chinese Proverb

“р 20005 The роон АШ. 17

MGA Bonus

ТОР REGIONAL GENERAL AGENTS

ws Bonus Program

60 and 75%

An MGA is eligible for а bonus equal to five percent (5%) of the monthly Net ALP on each Agent under them who has a Company Net to Gross, a Company Persistency, and a minimum of $6,000 of Net ALP. This bonus will be increased to eight percent (8%) on any qualifying Agent during their first six months. This would be from the Agent's code date or hire date. This is available on personal production of all Agents, SAs, GAs and Agents coded to those SAs and GAs under the MGA.*

All MGAs must have three active Personal Producing Agents, SAs or GAs within the month to qualify for this bonus and they must have coded at least one new Agent in the qualifying production month,

Effective April 1, 2000 — in order for a MGA to be eligible for the MGA Monthly Bonus Program, the MGA and Agents must have Company Persistency and/or Company Net to Gross. Level 3 persistency and net to gross will be used as a comparison on MGAs in the first eight months from contract. After the eighth month both net to gross and persistency will be used.

* This is exclusive of the MGA's personal production

March Bonus Qualifiers

Edward A. Orell ‘Wilbur G. Smith Andy P.Zomaya. C.Cass Jeffrey A.Horsky | Michael G. Shaner 8926 $2963 51609 $1164 p 3538

Hurst Корр Erik J. Graham James R. Engel Janice King Chris Wittenbach Eric W Schott 85118 2804 51570 81,124 юа зэ

Ryan W.Whitloy Bill Cook JefforyChurchfeld Michao! S. Pritchett Јове. Cosio Donald R. Wold 4605 254 $1513 51,123 ГЭ $523

Kevin Khadivian Roger R. Fung Norman Lew James J. Logan Daniel J. Zeoli Kenneth W.Hidebrand йл? олю $1470 51087 p БЭ

Stephen Liberto Stacie Williams Hans J.Wikle Kyle J.Winebrenner Steve A. Foti Robert J. Dunn 53050 82055 ялы $1053 sem sies

Thomas 4. Foley Michael D.Knapick Dennis A. Victor Kevin L.Bukatman Рогу K. Lee Robert L. Smith 53013 EI 51409 $1051 аз! suc

VladY. Basov Yaroslav Bitman Christine M.Campbell David W. Brister Keith H. Taylor John Arabian $3,808 $1,986 81.406 зот 572 ses

Robert K. Olson. Jorge E Aguilar John N.Hancock Alan W. Martyn Wiliam D. Heath Wanda E. Smyth БЕ 51967 DE 5105 зєв sue deffreyR.Dinocento Doreen A.Ryan-Foti — NicholasM.Nikowsk Сагу D. Wiliams TyroneA.Conard Lamar К. Daniels $9566 sins EE 1012 $614 зэм

Dennis J. Muth Guy A. Rouelle. Ronald F.Vanwoesik Eric R. Nichols Thomas L. Ferris Vedran Pipinic sate $1,835 ШЕ E ser ser Melinde-RaeLyse John C.Smolenski Lee F Conti Cario R. Pemo Ervin L. Wheeler. Cynthia Lebrun-Yatte Saga $1798 51.269 $1005 5573 E Isaac J. Soussana James M. Isip Terrance М. Brennan Timothy C. Gray Раш D. Rumbuc Dan D. Stevens 53258 Er 51222 $585 зэв son

18 АШ. пе ойун «Ард 2000.

March Production

1. Donald Wold 587,220 | $123,494 88 16. Rick Altig 2. Alan Martyn 75704 | 191,250 88 26 Rick Alig 3. Michael Knapick 78088 | 77870 96 8 Scott Smith (

YTD Production

Bothell, WA SGA: Rick Altig

Ара! 2000» The 5робун ЛИ. 19

ТОР STATE GENERAL AGENTS Top STATE GENERAL AGE

Category 1 MARCH PRODUCTION MARCH PRODUCTION ‘YEAR TO DATE PRODUCTION bla hel EE al ad ЧЬЯРЧ Agent Quota Agent Agent Cohen-Rutt $186,478 $90,000 91 8914 $497,984 $270000 184 573138 Rick Mansfield 877,756 (530000 259 66.62 $168,242 $90,000 187 $225,614 Larry Gensser ., 121817 60000 CON 220:192 [1801000 195: 777411 Bruce Gilpatrick 73,689 30,000 246 ee B8 6620 181,028 90000 201 214,674 Scott Smith 173,958), , 90,000 86, 8258 590526 270000 198 881413 Patrick Shehan 72,848 30,000 243 133708 90 7788 162095 90,000 180 318208 Eric Giglione 127,848 80000 160 213060 94 10000 343379 240000 143 651,861 Steve Friedlander 57,597 30000 192 95,124 89 7238 145679 90000 162 221,817 Rick Altig 452468 300,000 151 893510 85 77.27 1091394 900000 121 2422944 Hancock-Boles 48,405 30000 161 62,819 88 8195 127468 90000 142 159,352 Justin A.Jones ^ 40,742 30000 136 110,858 91 9397 97,458 90,000 108 282,842 Dennis Ishler 39,518 30,000 132 42930 91 4818 83337 90000 93 96,134 Category N Michael Busico 38,192 30000 127 88878 90 10000 106,737 90,000 119 250,521 Matt Blumert 34.196 30000 114 53520 99 NEW 34716 60,000 58 54040 Marc Zipper $150,155 $50,000 300 $212,478 72 69.77 $298,671 $150,000 199 $499,320 Kevin Pawlowski 91,717 50000 183 170,865 90 9732 231683 150000 154 417329 David Hausman 72,755 60000 121 100267 88 (9567 186,559 180000 104 278792 YEAR TO DATE PRODUCTION Ali Shahrak 57,008 50000 114 102,158 93 9175 95,774 150000 64 176,388 Eis EF al al a =a тл Mans rence 51587: 52000022 Ш вээ 1007700 1804 195855) Vd 638, (150/00 Ss 240,869) Robert Glover ^ $31,050 155 $6745 76.88 $85,637 60000 143 190973

Ramin Kouladji 30.237 ae 151 44599 89 8004 75392 60000 126 122,904 Joseph Manone 22,896 20000 114 81895 89 8059 73896 60000 123 206857

Tim Schroeder 19499 20000 97 22728 85 9356 61379 60000 102 74,951 Scott Alexander 1785 20000 89 19331 92 60.96 38455 60000 61 424467]

Category M

William Devine $77,464

Michael Lavin 52,784 40,000 132 62080 138,981 MARCH PRODUCTION

Surace-Surace 51226 40000 128 130,833 384,413) 18 Үг Е ГҮ 7172

Larry Weiner 39348 40,000 98 44212 110,253| Agent Quot

Cohen-Hartman 35,644 40000 89 86575 289,354) Greg Рапее: 521440 $20,000 107 (525877 89 7570 $56,091 $60,000 93 875,180 Billy Faulkner. 34,355 40000 86 46188 141,551

Tom Williams. 34016 | 40000 85 90,954 257,413]

‘Api 2000 The Spcligh ЛШ, 21 20 AIL. The Spotight «Ард 2000

ТОР SrATE GENERAL AGENTS

ToP STATE GENERAL AGENTS

Category 1

LARRY GENESER (ЖИ scorr sumi Kansas City, MO.

DAVID COHEN 8. RICHARD RUTT Los Angeles, CA

ERIC GIGLIONE Edison, NJ

RICK AMIG Redmond, WA

MARC ZIPPER Altamonte Sprgs, FL

DAVID HAUSMAN Atlanta, GA

BRUCE GILPATRICK Portland, OR

PATRICK SHEHAN Meriden, CT

JUSTIN A. JONES Ridgeland, MS

5 Gaithersburg, MD. !

WILLIAM DEVINE MICHAEL шин М irving, TX Plymouth Meeting, РА

JIM в STEVE SURACE N. Royalton, OH

22 ЛИ. the Spaligt «Apul 2000.

ROBERT GLOVER Kalamazoo, MI

RAMIN KOULADII JOSEPH MANONE Riverview, NB Menomonee Falls, WI

GREG PARTEE Evansville, IN

Ami 2000 +The Spotighh ЛИ. 23

NEW TERRITORIES QUARTERLY BONUS Watch Us Grow ‘Andrew Fike David Hausman 82830189 Lany Kudacek 324658 Baldev Dabhia ‘Hancock Boles — 281324 Flick Aig 246294 x = 4 Davd Zophin Marc Zipper 281316 Rick lig 246262 15 Expanding Territories р Боб | 1780 mera | AntonyFani ‘Eric Giglone 275340 Ramin Кома} — 245812 Kutjohnson МЖА 274319 Mke Jones 245829 Ronald E. Miler Май Hancock 272918 Patick Shehan 245389 Chad Lange Rick Alig 271541 Scott Smith — 245308 ты гыла Stanley Jones Kevin Pawlowski 271089 Lany Goneser — 244940 Davi Вай Јаго! 2701 Rick lig 244313 Russell Moris Мас Zipper, 0216 Wiliam Boyle 243976 Wendel Bangs Rick Alig 288041 Tim Schroeder — 243151 duanMedna |) JatoitFol 288152 dosh Chalom 242384 Dara ye CohenAunt | — 287720 Macon 242004 lex Chen Jato Fol 267303 бйекһд — 241207 Larry Kudlacek Justin A. Jones Michael Ома | СоюоНиты) 268733 Петі Baloy 240830 Roland Parker Тот Мале) 268124 Rick Alig 24054 Central Texas. Southem Alabama Benjamin Mancitas Danny Van Houten 265649 Fick Alig 23061 DevdThombn — Coenfut 284% Uisa D'Amico 238569 Seyed Карип? Josh Chalom | 24384 Anne O'Driscoll 23371 Gregory Srausser Zeidner-Cowan Rick Alig 237958 Ramin Maghsoud — Larry Kudlacek dato Fol 236731 Jain MeGarvie-Munn Patrick Shehan Kevin Рамони 2206.18 James ЕН Раска alo Fol 236524 Donald Shuck Mark Hancock -21631.35 Mare Morton 23231 Abduirazzag Ahmed Alan Воск Luymes Rick Alig 282412 Robert Glover 235840 Daniel Muszynski Ме — 282017 BrceGipark 235789 Stephen loss Steve Friedlander 262001 Kevin Pawlowski 2,947.90 Marisol Porto Mata 380860: Levi Ciok Lary Geneser — 261708 Тот Willams 231% TmohyBraquen Fick Aig 261092 Tom Willams 23027 Samuel Piore Marc Monon || 260316 Piok Alig 222613 ScottShearer Wiliam Devine | 258847 Mark Hancock — 232352 John Frankin | Gohen-Rutt 2525 oseph Manono 232248 Зету Harnett Mare Morton 259128 Lany Geneser 231874 Sonny James. Kevin Pe 57723 [апу Ge 231017 Camila бобу бюл 25052 David На 229647 DanielAndrecheck Patrick Shehan 255576 SotSmih 228875 Patrick Coughlin 2 BroceGipatik 251% Cohen-Harman 228474 Darel Balard А JatotFot 254827 Mark Hancock | 228801 Ronald Robe Maik Hancock | 254508 Eric igione 227828 Nick Mayes Cohan-Harman 254263 Alireza Shabrak 227546 Edwin Rickard Lisa Amico 254245 Bruce Gipatick 227305 Linda Wilburn > со Smith. 254218 Rick Mansfield — 227220 : Michael O'Rourke | Larry Geneser — 254207 Ейс Giglona 226450 ance Brown Larry Geneser_ “2544.19 Fick Alig 2224 Massachusetts James Schneider . Robert Glover” -2,534.87 Scott Smith 2,262.29 Barbara Bryant; David Hausman 263298 Mare Zipper 2,25532 hristian Novacek Marc Zipper ~ 253088 Bruce Gipatriok 225343 tNkooy © Steve Friedlander 2,52439 КИТ) 225002 Femando Duran ^ Hori Scheer 252086 ов Rick Allg 224854 Рай шм ^ ScotSmih 25880 Ri Alig 224150 Hausman |) Союш | 251508 Maro Moron 224119 буну ^ Lary Weiner 250776 Larry Goneser 222704 Коба Sekyi Joseph Manone | 250457 Scolt Smith 222898 Peter Soybel Patick Shehan 250908 David Hausman 222546 Western Florida Johnnie Wallace Scott Smith 2 Kevin Pawlowski 2,224.99 John Moris Larry Geneser Wiliam Devine — 222031 Rosario Aguilar —— Јаюћ-Ғой 248690 — Scott Smith 222022 John ОеМайпо Екбюе 24871 TomWilams 221569 dogeAgular — datoh-Fot 248858 0 Lary Geneser 221448 James Peate Marc Zipper 248236 lisa D'Amico 221207 Yaroslav Biman апу Geneser 24806 David Hausman 220848 Ted Зайн John Sweeney 247225 SeotSmih 220219 Kathleen Carpenter Surace Surace David Sumabat Rick Alig 246705

24 АИ. е обун Ара! 2000

Apri 2000 tho Spolgh ЛШ. 25

26 ДИ. те зобун * А 2000

How often do we have the chance to step up to the plate ... with the bases loaded ... and with a mighty swing, hit a grand slam? For most of us, as kids, we would fantasize of standing at the plate in our favorite ballpark, wearing our favorite team's uniform and facing off against the league's star pitcher, You hear the announcer's voice over the PA system: "Now stepping to the plate ..." You trot out to home plate. It's just you and him — mano y mano. The hometown crowd is on its feet, roaring and chanting your name as you raise the bat over your shoulder. You dig in. And, with our child-like power of visualization, that ball would sail over the centerfield wall and we would ride on our teammates’ shoulders into history. It's every kid's fantasy.

Right here, right now, at American Income each of us has the opportunity to realize that grand slam as we strive toward reaching the awesome goal of coding 2000 agents in the year 2000. Our theme — "Мер up, so others

can step in," calls each of us, individually and collectively, to "step up" to

that figurative home plate and do our part to make this dream a reality.

What can we do on the marketing side of the agency to make 2000 in 2000 a reality? There are two key areas where we play a crucial role,

First, generating more leads — its what we do best. Every time a new agent is hired it means an increase in your agency's need for leads. Conservatively, for every new agent your agency hires, 200 additional leads a month are required. Ask your SGA what his or her hiring goals are for the remainder of the year and do some simple math. Remember, more leads mean more PR income — and bonuses as well!

Second, be an active and aggressive recruiter. Who do you know — family, friends, neighbors, former business associates? Who, along with their families could benefit from the American Income opportunity? We are in contact with potential recruits every day. When was the last time you called on a group where one person stood out from the rest, with an outgoing personality or was excited about our benefit programs? Hasa family member or neighbor been looking for a new career, a way to get ahead or maybe was downsized out of a job? As we begin to focus on the recruiting possibilities, you will be amazed how many are right in front of you.

So, get out your bat and lace up your cleats, because “Ladies and gentlemen now stepping up to the plate, American Income Life!”

$2,000

$1,000

$500

‘Api 2000+ The Speight ЛИ.

Top PR REPRESENTATIVES Top PR REPRESE.

ime PR Card Production Record All Time PR Card Production Record. Month: 18,960 cards Anthony Gentili ҮІ: 61,879 cards Denise Bowyer PR Manager ‘MARCH Production ‘YTD Production Randy Altig

PR Manager PR Manager Kirkland, WA

1. Randy Altig 12008 | Rick Attig 1. Randy Altig SGA: Rick Altig

2. Debbie Enstedt | 5762 | Rick Altig 2. Debbie Enstedt

3. David Blaisdell 2,615 Rick Altig 3. Malka Arony

Category A # Cards SGA Category A CATEGORY A:

1. Randy Altig 5075 | Rick Alig 1. Anthony Gentil Randy. Brenda 0501

” mma

2. Brenda DiSomma 4473 Eric Giglione. 2. Leo VanDenBussche | 9,472 Rick Alig eie] WA Edison, NJ

5. Rona Spano 3/27 | Scott Smith Robin Denham 5010 | Larry Geneser

— —-— Ё--

Category В # Cards SGA Category B. CATEGORY В:

1. William Gibson 2,698 | Scott Smith 1. Malka Arony Cohen-Hartman

2. David Koveloski | 2,244 | Michael Lavin 2. Wendi Rose 4825 | William Devine шат Gibson David Kovoloski

Category С # Groups SGA Category С # Groups

1. Darrell Dorey 20 Ramin Kouladji 1. Susan Fuldauer 40 Mark Hancock

2. Joseph Ward 17 Larry Geneser 2. Joseph Ward 37 Larry Geneser Barrel Dorey

2. John Wilkinson 17 Scott Smith 3. Wendi Rose. 35 William Devine Riverview, NB ied MS

d ansas City, 4. Susan Fuldauer 16 Mark Hancock 4. Darrell Dorey E Romin Koulad SGA: Ramin Кошай ЛИ, SGA: ТАЕ Саа 5. Wendi Rose 14 William Devine 5. Vivian Unger Dwyer | 28 Billy Faulkner 5. John Wilkinson 28 Scott Smith

Category A = Categories 1 and 2. Catagory B = Categories 3, 4, 5 and 6. Category C = Top number of contracts signed from all SGA categories. Public Relations Manager selection guidelines for recognition in the Spotlight are as follows: Must have 2 PR Representatives coded and meet production requirements, John Wilkinson

Downers Grove, IL SGA: Scott Smith

28 ЛИ. the бой «Ари 2000 Apri 2000- The Spoight AIL 29

COMMUNITY INVOLVEMENT

SAGE FROM BR

$2,095 АИ of Chicago опа! $150 to the Irish American Labor Coalition's annual fundraising dinner.

* Contributed $80 to the Midwest Credit Union Convention rafle.

ө Donated $500 to the SEIU One strike cash and food bank.

ө Donated $200 to the Leukemia Foundation Man of the Year Dinner honoring UFCW 881 officials,

$6,000 AIL

* Contributed $5,000 donation in the name of Theodore Віка, President of Associated Actors and Artistes of America AFL-CIO, to the Women’s Research and Education Institute,

$1,075 Pat Shehan Agency 9 Contribution of $200 made to the Guide Dog of America on behalf of IAM 743.

• Donated a $200 raffle prize to UFCW 1459.

9 Purchased a $125 tee box marker for the Continuum Care of Connecticut golf tournament,

$100 John D. Bury Agency ө Donated money to Southside Credit Union for the Southwest Guide Dog Foundation for the Blind.

Total $9,710

30. ЛИ, е Spotigh + Apal 2000

Jatoft-Foti Agency © Participated in “Tee It Up!" for Teamsters’ Assistance Program. AIL Canada © Contributed food and money to the UFCW Local 1288 during a four-year strike that recently ended.

AIL of Chicago е Donated a drill to the Teamsters 673 annual fundraising raffe.

rom th

Bernard Rapoport

Founde

presentation means you can sell what people need. Utilizing time intelligently gets you across the bridge from average to great. Great is what the AIL opportunity is for all

who are willing to make

the commitment.”

desk of

“What Is And What Will Be”

One of the tenets of American Income is — "What is and what can be." When I think about the beginning of American Income, that day in March of 1951, I understood one thing — I couldn't build it, but WE could. So I came to grips with "what is and what con be." At that time, the "what is" was no business and no assets, but the “what could be" was an entity that would become one of the most successful companies in its size group in the history of insurance, Those who accepted the challenge of that particular tenet made American Income possible,

The leadership you now have, headed by Mark McAndrew and capably supported by Roger Smith, excites one's imagination of what is going to be. There are now dramatic increases in production. Earnings, individually and as a group, are increasing at a fast rate for those who constitute the World's Greatest Sales Force. American Income is better today than it was yesterday, and that has been its history. It continues on, and there is no end to what can be or what is going to be.

Think about the 80/20 rule, Twenty percent of any sales force does 80 percent of the production. But you can be in that 20 percent. And, if you are, the challenge is always there to stay there. If you are not, take hold of yourself and ask: "Why am I not?”

The truth is that you can be, Most of those in the 20 percent group at American Income are people who had no idea they could be in that elite group, They wanted it and so they аге. And, so can you. If you believe that every qualified American Incomer who makes six calls а day and has four presentations will be someone who earns $75,000 to $100,000 than that is what will happen. If your check is not $1,000 this week, ask yourself: "Why isn't my check more than $1,000? It could be. What do Thave to do to achieve that?" 1f you are truthful with yourself, you will have six appointments for the day and you will do the doorknocks, the no-show call-backs, have some referrals and policyowners. And, don’t forget those floaters — those are the people who may have stood you up on appointments, from time to time, or those you have not been able to reach. This is what can pull you from that 80 percent group and catapulted you to the 20 percent group. The most interesting aspect of all is that you don’t have to work any harder. You just have to work smarter. Knowing your presentation means you can sell what people need, Utilizing time intelligently gets you across the bridge from average to great. Great is what the ATL opportunity is for all who are willing to make the commitment.

Just think — seven hours of concentrated work a day for five days a week and you are in that 20 percent. And after you read this just ask yourself the question one more time — "What is and what can be?"

T want to close with a quotation from Alexander Graham Bell:

When the door closes, another opens; but we often look so long and so regretfully upon the closed door that we do not see the one that is opened for us.

Apl 2000+ The Spolgh ЛИ. 31