2012 Alliance Program Book - American Fraternal Alliance

2012 

American Fraternal 

Alliance Annual Meeting 

The Ritz-Carlton New Orleans 

New Orleans, Louisiana 

September 6 – 8, 2012 

NEW 

ORLEANS 

PROGRAM BOOK 

Thank you to our 

Platinum Sponsor

WE WELCOME YOU 

TO THE 2012 

AMERICAN FRATERNAL ALLIANCE 

ANNUAL MEETING 

Since 1987, we’ve been providing fraternal 

societies with a full range of actuarial services 

including: 

Product Development & Pricing 

Expense Analysis 

Financial Reporting / Actuarial Audits / 

Experience Audits 

Asset Liability Management 

Policy Forms / Compliance / State Filings 

Strategic Alternatives / Mergers / 

New Markets 

Reinsurance 

Illustration Software 

We’ve been here all along. We’ll be here when 

you need us. Give us a call. 

We’re Allen Bailey & Associates, Inc. 

Toll-Free (877) 228-4440 

Visit us at www.allenbailey.com

This book belongs to 

Name: 

Organization: 

American Fraternal Alliance Mission Statement 

The American Fraternal Alliance’s mission is to strengthen and 

support its members and the fraternal benefit system by 

providing advocacy, information and public policy development. 

Advocacy: Deliver proactive and results-oriented advocacy of 

members’ interests on key legislative and regulatory initiatives. 

Information: Enable members to better manage their 

societies by creating meaningful education programs, sharing 

benchmarking data on best practices, enabling networking 

opportunities and knowledge sharing. 

Public Policy: Develop and promote positions on emerging 

issues, and consistently and clearly communicate the benefits 

of fraternal benefit societies. 

Shared Values Statement 

The Alliance values the fraternal model: Fraternal insurers 

provide a successful, stable, and member-focused organizational 

structure that provides valuable benefits to members; cost 

effective financial and volunteer support to individuals, 

organizations, and communities who need it most; and a 

distinct and important alternative to the commercial life 

insurance marketplace. 

The Alliance values member involvement and interaction: 

The fraternal industry and this Alliance cannot achieve their 

potential without the active involvement of competent and 

committed volunteers. The Alliance is committed to providing its 

member society staff and volunteer leadership with opportunities 

to build mutually beneficial long-term relationships through 

knowledge sharing and common experiences. 

The Alliance values collaboration with industry, public 

policymakers, and non-profit community service 

organizations: Whenever possible, the Alliance seeks to work 

with organizations representing the financial services industry, 

state and federal public policymakers, and non-profit 

community service organizations to achieve common goals. 

The Alliance values highly effective and efficient operations: 

The Alliance strives to make membership in the organization 

cost-effective and valuable to all sizes of fraternal societies by 

combining a high quality staff, proven technology, and a 

focused and issue-oriented approach to advocacy and public 

policy initiatives, with a funding philosophy that relies on dues 

and non-dues sources of revenue. 

The Alliance values fairness and opportunity in governance: 

The Alliance Board and its committees are open to and 

composed of individuals from societies that accurately 

represent the diversity of the Alliance. Every Board and 

committee member has an equal voice. 

#2012FratAllianceMeeting 2012 Annual Meeting 1

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EricNewberg 

913.393.2522LoriNewberg 

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Alliance Chair of the Board’s Message 

LAISSEZ LES BONS 

TEMPS ROULER! 

It is my sincere pleasure to welcome you 

to the 2012 American Fraternal Alliance 

Annual Meeting in the remarkable city of 

New Orleans. This combination of 

educational content and location will make 

this one of the most memorable meetings 

in our organization’s 126-year history. 

We are thrilled to be able to have Mary Matalin and James 

Carville address our group, especially in this election year. They 

have roots in New Orleans, so we will benefit from both the timely 

and balanced political observations as well as some local flavor. 

And we can hardly believe that we were able to secure Jim 

Collins as a keynote speaker. The ideas on management, 

technology and organization of this best-selling author of Built to 

Last, Good to Great and How the Mighty Fall will continue to have a 

large impact on 21 st Century American business, and will no 

doubt help your society as well. The take-aways from his 

presentation will be invaluable in all your future decision-making 

and strategic planning. 

And if these three speakers weren’t enough, the workshops 

will be outstanding. They were designed to anticipate the 

changing requirements in governance, advocacy, marketing, 

technology and much more. Of course, there will be ample time 

to socialize with colleagues and enjoy fine dining and the standup 

comedy of Jimmy Travis on Saturday night. 

But there is another star of the show! The City of New Orleans 

is unique, described as not being a Southern city but a Caribbean 

city. Remnants of its historical European, Creole, African and 

Haitian heritage still influence its culture today. We have a prime 

location here at the beautiful Ritz Carlton to allow you to explore 

it all. 

Stuart B. Buchanan 

2011-2012 American Fraternal Alliance Chair of the Board 

Stuart B. Buchanan serves as Catholic Order of Foresters' (COF) high secretarytreasurer 

and CFO. Since assuming these roles, he has participated in negotiations 

that led to two successful mergers and helped develop and initiate COF's general 

expense reduction initiative resulting in one of the fraternal system’s lowest cost per 

certificate.He directed COF's underwriting procedures re-engineering that 

significantly reduced application processing time and underwriting costs. Most 

recently, he led the Order through an administrative system conversion. 

Prior to his 2006 appointment as high secretary-treasurer, Buchanan was senior 

vice president of insurance operations, directing product development, leading the 

development and introduction of three long-term care plans and initiating the 

Order's first marketing alliance with another society. His responsibilities also 

included oversight of underwriting, administration, policy service, and information 

systems departments. 

Buchanan, a graduate of the University of Illinois, with a B.A. in economics, is 

Past President of the Illinois Fraternal Alliance. A member of the FINRA dealers, he 

holds Series 7 and 63 licenses. Buchanan earned the insurance industry Fellow Life 

Management Institute with distinction designation. 


Alliance Annual Meeting “Quick-Find” 

Associate Members Listing.............................................................................52 

Breakfasts ..............................................................................................................12, 36 

Catholic Mass ............................................................................................................48 

Closing Reception/Dinner ..............................................................................48 

Closing Session ......................................................................................................46 

Committee Rosters................................................................................................49 

Community Service Activity..........................................................................10 

Constitution Committee Meeting..............................................................35 

Credentials Committee Meeting.................................................................35 

Fraternal FIC of the Year Award ..................................................................18 

Fraternalist of the Year Award.......................................................................16 

General Sessions ............................................................................................13, 42 

Governance Committee Meeting...............................................................35 

Jacobson-Rugland Award ................................................................................20 

Marcia Heyward Communications Award..........................................20 

Member Societies Listing.................................................................................50 

Past Chairs of the Board.....................................................................................15 

Registration Desk Hours......................................................................................6 

Schedule-At-A-Glance............................................................................................8 

Sponsor Listing.........................................................................................................54 

State Fraternal Alliances Listing .................................................................53 

Workshops...................................................................................................24, 30, 36 

4 2012 Annual Meeting #2012FratAllianceMeeting

THE RESULTS ARE IN! 

THE MOST APPEALING 

MEMBER BENEFIT BENEFITS S ARE... 

SCHOLARSHIPS & GRANTS* 

SINCE 1985 1985GREEN-CERTIFIED GREEN-CERTIFIED PROGRAMS 100% WOMEN-OWNED 

WOMEN-OWWNE 

WNED 

applyISTS.com 855-670-ISTS 

WE MAKE OFFERING 

THEM APPEALING 

APPEALING TTOO! 

OO! 

COME MEET OUR VP OF SALES - ERIC WILNER 

*According to 2011 Fraternal Consumer Research Survey

General Information 

REGISTRATION 

Registration Desk: Grand Ballroom Foyer 

Registration Open 

Thursday, Sept. 6: 10:30am – 7:00pm 

Friday, Sept. 7: 7:30am – 5:00pm 

Saturday, Sept. 8: 7:30am – 2:00pm, 6:00 – 7:00pm 

Saturday dinner seating selection will begin on Friday at noon. 

The dinner ticket belonging to anyone reserving a seat MUST 

be presented at time of reservation. 

TICKETS & NAME BADGES REQUIRED 

Badges must be worn for admittance to all meeting and 

function rooms except for Saturday’s dinner. Admission will be 

by ticket only. 

SERGEANTS-AT-ARMS, HIGH COURT TRUSTEES, 

CATHOLIC ORDER OF FORESTERS 

Delores E. Klein 

James M. Demulling 

Eugene G. Even 

Gene E. Hesse 

THANK YOU TO OUR SPONSORS 

For additional information on our sponsors, please see page 54. 

Platinum Sponsor 

McGladrey LLP 

Gold Sponsors 

Allen Bailey & Associates, Inc. 

Miller & Newberg, Inc. 

Parkway Advisors, L.P. 

Prime Advisors, Inc. 

Problem Solving Enterprises, Inc. 

se 2 

Silver Sponsors 

Ascensus 

askFamily Wellness 

BTC Capital Management 

CalSurance Associates 

illustrate inc 

Optimum Re Insurance Company 

Strohm Ballweg, LLP 

Wellington Management Company, LLP 


Bronze Sponsors 

AAM – Insurance Investment Management 

AQS Asset Management , LLC 

Bruce & Bruce Company/ 

Bruce & DePersis 

Ed Carroll and Associates 

Guggenheim Life and Annuity Company 

Interactive Intelligence 

International Scholarship 

and Tuitions Services, Inc. 

The Karis Group 

Newman Long Term Care 

Superior Mobile Insurance Solutions 

MEETING BAGS 

Management Research 

Services, Inc. (MRS) 

LANYARDS 


MASKS/BEADS 


EVALUATION FORMS 

Evaluation forms will be distributed on Saturday. Please fill 

them out and return them. Thank you. 

PHOTOGRAPHS 

Throughout the meeting, photographs will be taken. Attending 

any Alliance-sponsored function serves as permission for your 

image to be photographed, reprinted or distributed electronically. 

Visit www.fraternalalliance.org to view photos. 

CELL PHONES 

Please turn off or switch to vibrate mode all cell phones, 

watches or other electronic devices that could be disruptive 

during all luncheons, dinners, workshops, general sessions, and 

committee meetings. Please answer all phone calls outside of 

session and workshop rooms. You are very welcome to Tweet, 

etc., but please be courteous. 

TWITTER HASHTAG – Share your experience at 

#2012FratAllianceMeeting. 

SATURDAY DINNER SEATING 

To reserve seats at Saturday’s dinner, bring your dinner ticket 

and those of your table mates to the Registration Desk 

beginning on Friday at noon. 


Schedule-at-a-Glance (Subject to change) 

THURSDAY, SEPTEMBER 6 

8:00am – 4:00pm Board Institute (Acadia) 

1 0:30am – 7:00pm Registration (Grand Ballroom Foyer) 

1 :00pm Community Service Project (Lafayette 

Ballroom) 

2:00 – 4:00pm Sponsor Showcase (Grand Ballroom Foyer) 

6:00pm 

Dinner on Own 

Welcome Reception (Lafayette and Grand 

Ballroom Foyer) 

FRIDAY, SEPTEMBER 7 

7:30am – 5:00pm Registration (Grand Ballroom Foyer) 

7:30am Breakfast with Sponsors (Grand Ballroom 

Foyer) 

8:30am General Session (Grand Ballroom) 

1 2:00pm Business Session (Grand Ballroom) 

1 2:1 5pm Lunch with Sponsors (Grand Ballroom Foyer) 

1:30pm Workshop Session I 

•> #1 – Governance Roadmap: Change Starts 

at Your Convention (Grand Ballroom) 

•> #2 – Competitive Analysis: Understanding 

Your Competitors (Lafayette East) 

•> #3 – Annuity and Insurance Compliance 

(Lafayette West) 

3:00pm Workshop Session II 

•> #4 – Social Media: Can You Catch Up? 

(Grand Ballroom) 

•> #5 – Generate Dramatic Growth in the 

Hispanic Market (Lafayette East) 

•> #6 – Dispute Resolution the Fraternal 

Way (Lafayette West) 

4:30pm Open Committee Meetings 

•> Governance (St. Charles) 

•> Credentials (Boardroom) 

•> Constitution (Orleans) 

6:00pm Reception (Lafayette & Grand Ballroom Foyer) 

Dinner on Own 

All times and events are subject to change. 


SATURDAY, SEPTEMBER 8 


7:30am Continental Breakfast (Grand Ballroom Foyer) 

8:30am Workshop Session III 

•> #7 – Protecting Your Society from Cyber 

Liability (Grand Ballroom) 

•> #8 – Measuring Member Satisfaction 

(Lafayette East) 

•> #9 – Who Will Lead? (Lafayette West) 

1 0:00am General Session (Grand Ballroom) 

11:30am Business Session (Grand Ballroom) 

1 2:30pm Fraternal Lunch (Lafayette Ballroom) 

5:00pm Catholic Mass (Lafayette Ballroom) 

6:00 – 7:00pm Registration Open (Grand Ballroom Foyer) 

6:30pm Closing Reception (Grand Ballroom Foyer) 

7:00pm Closing Dinner (Grand Ballroom) 


Thursday, September 6 

THURSDAY, SEPTEMBER 6 — DAY-AT-A-GLANCE 

8:00am – 4:00pm Board Institute (Acadia) 

1 0:30am – 7:00pm Registration (Grand Ballroom Foyer) 

1:00pm Community Service Project (Lafayette Ballroom) 

2:00 - 4:00pm Sponsor Showcase (Grand Ballroom Foyer) 

6:00pm 

Dinner on Own 

Welcome Reception (Lafayette and Grand Ballroom Foyer) 

REGISTRATION 1 0:30AM –7:00PM 

Grand Ballroom Foyer 

All attendees of the 201 2Annual Meeting are invited to pick up 

their registration materials and badges necessary for admittance. 

COMMUNITY SERVICE PROJECT 1 :00PM 

Lafayette Ballroom 

All registrants who RSVP’d for this activity should report to 

Lafayette Ballroom to prepare backpacks with supplies for 

students at St. Leo the Great School. 

Thank you to Office Max, The Berwyn Group and Everest 

Funeral Package, LLC for their contributions to this volunteer 

activity. 

SPONSOR SHOWCASE 2:00–4:00PM 


Listen to sponsors provide brief “infomercials” to attendees 

in the Sponsor Salon. Take advantage of this low-pressure way 

to learn how our sponsors can partner with you to make your 

society more efficient and profitable, and more relevant to your 

members. Stop by the Alliance registration desk for a schedule 

of presenters. 

WELCOME RECEPTION 6:00PM 


Enjoy refreshments while you mingle with Alliance friends 

and colleagues. Network and meet the many 

sponsors who can provide you with cutting- 

edge services and technology to make your 

business model succeed. There may be a few 

surprises for you, too! 

Brought to you by GBU Fraternal Life. 

GBU 

SINCE 1892 

GBU Financial Life 


Friday, September 7 

FRIDAY, SEPTEMBER 7—DAY-AT-A-GLANCE 


7:30am Breakfast With Sponsors (Grand Ballroom Foyer) 


12:00pm Business Session (Grand Ballroom) 

12:15pm Lunch with Sponsors (Grand Ballroom Foyer) 

1:30pm Workshop Session I 

• #1 – Governance Roadmap: Change Starts at Your 

Convention (Grand Ballroom) 

• #2 – Competitive Analysis: Understanding Your 

Competitors (Lafayette East) 

• #3 – Annuity and Insurance Compliance 


3:00pm Workshop Session II 

• #4 – Social Media: Can You Catch Up? (Grand Ballroom) 

• #5 – Generate Dramatic Growth in the Hispanic Market 

(Lafayette East) 

• #6 - Dispute Resolution the Fraternal Way 


5:00pm Open Committee Meetings 

• Governance (St. Charles) 

• Credentials (Boardroom) 

• Constitution (Orleans) 

6:00pm Reception (Grand Ballroom Foyer) 

Dinner on Own 

REGISTRATION 7:30AM – 5:00PM 

Grand Ballroom 

BREAKFAST WITH SPONSORS 7:30AM 


Get a good start to the day with good food, good 

conversation and a good display of products and technology 

especially designed to assist fraternals with competing in 

today’s marketplace. 

ENTRANCE MUSIC 8:15AM 


We thank the St. Raymond/St. Leo Catholic Church Voices 

of Greatness for their inspired and inspiring music. 


GENERAL SESSION 8:30AM 


•> Canadian National Anthem 

Sung by Jacqlyn Marcus, The Independent 

Order of Foresters > > > > > > > > > > > > > > 

•> United States National Anthem 

Sung by Mary Kenkel, Catholic Order 

of Foresters > > > > > > > > > > > > > > > > 

•> Invocation and Pledge of Allegiance 

David E. Huber, Catholic Order 

of Foresters > > > > > > > > > > > > > > > > > > 

•> 2011-2012 Chair of the Board Report 

Stuart B. Buchanan, Catholic Order 

of Foresters > > > > > > > > > > > > > > > > 




Featured Speaker 

•> Jim Collins, Great by Choice: Uncertainty, 

Chaos, and Luck—Why Some Thrive 

Despite Them All > > > > > > > > > > > > > > > > > 

Thanks to Thrivent Financial for Lutherans and 

the Presidents Section Advisory Council for their 

sponsorship of Jim Collins.. 

Jim Collins is a student and teacher of enduring great 

companies — how they grow, how they attain superior 

performance, and how good companies can become great 

companies. Having invested nearly a quarter of a century of 

research into the topic, Jim has authored or co-authored six 

books that have sold in total more than ten million copies 

worldwide. They include: Built To Last, on the Business Week 

best seller list for more than six years; the bestseller Good to 

Great, translated into 35 languages; and How the Mighty Fall, a 

New York Times bestseller that examines how great companies 

can self-destruct. 

His most recent book is GREAT BY CHOICE: Uncertainty, 

Chaos, and Luck—Why Some Thrive Despite Them All, coauthored 

with Morten Hansen. Based on nine years of 

research, it answers the question: Why do some companies 

thrive in uncertainty, even chaos, and others do not? Great by 

Choice distinguishes itself from Jim’s prior books by its focus 

not just on performance, but also on the type of unstable 

environments faced by leaders today. 

Panel Discussion with CEOs 

•> Cynthia Tidwell, President and CEO, Royal 

Neighbors of America > > > > > > > > > > > 

Cynthia Tidwell was appointed President of 

Royal Neighbors in 2005. She has led the turnaround at Royal 

Neighbors through a formal change framework of 

identification, stabilization, and strengthen. She is rebuilding 

the sales capability, increasing membership, and enhancing the 

philanthropic arm of the organization. Cynthia won the 

prestigious Stevie Award as Turnaround Executive of the Year 

in The 2009 American Business Awards. She is a graduate of 

Arizona State University and was a participant in the Wharton 

AICPU and LLIF Programs and Hagberg Executive 

Development. 

•> Bradford L. Hewitt, President and CEO, 

Thrivent Financial for Lutherans > > > > > 

Bio found on page 46. 



LIVING PAST CHAIRS OF THE BOARD* of the 


*Henry F. Scheig (1974-1975) Aid Association for Lutherans (now 

Thrivent Financial for Lutherans) 

*David L. Springob (1977-1978) Catholic Family Life Insurance 

(now Catholic Financial Life) 

*Geraldine Towner (1979-1980) Royal Neighbors of America 

*Peter Daly (1984-1985) The Independent Order of Foresters 

*William B. Foster (1985-1986) Modern Woodmen of America 

*F.L. Spanier (1987-1988) The Catholic Aid Association (now 

Catholic United Financial) 

*Edward A. Lindell 

*Jacqueline J. Sobania 

(1988-1989) Lutheran Brotherhood (now 


-Robison (1991-1992) Loyal Christian Benefit Association 

*J. Michael Belz (1992-1993) Catholic Life Insurance 

*William R. Heerman (1993-1994) Aid Association for Lutherans (now 


*William L. Eimers (1994-1995) Catholic Family Life Insurance (now 

Catholic Financial Life) 

*Thomas E. Sheehan (1995-1996) Catholic Knights and Ladies of Illinois 

(now Catholic Holy Family Society) 

*James R. Opie (1996-1997) National Mutual Benefit 

*Wayne Graham (1997-1998) Woodmen of the World/Omaha 

Woodmen Life Insurance Society 

*Vera A. Wilt (1998-1999) CSA Fraternal Life 

*David J. Larson (1999-2000) Lutheran Brotherhood (now Thrivent 

Financial for Lutherans) 

*Leroy Muehlstein (2000-2001) Order of the Sons of Hermann in the 

State of Texas 

John C. Andrzejewski, III (2001-2002) Polish National Union of America 

Michael F. McGovern (2002-2003) The Catholic Aid Association (now 

Catholic United Financial) 

Frederick A. Ohlde (2003-2004) Thrivent Financial for Lutherans 

Michael Stivoric (2004-2005) Catholic Knights (now Catholic 

Financial Life) 

Michael J. Wade (2005-2006) Gleaner Life Insurance Society 

Janice U. Whipple (2006-2007) Woman’s Life Insurance Society 

Katharine E. Rounthwaite (2007-2008) The Independent Order of Foresters 

Barbara A. Cheaney (2008-2009) Catholic Life Insurance 

Terry J. Rasmussen (2009-2010) Thrivent Financial for Lutherans 

Mark D. Theisen (2010-2011) Woodmen of the World/Omaha 

Woodmen Life Insurance Society 

*Known as President of the Board until 2001, when the title was changed to Chair. 



2012 Fraternalist of the Year Presentation 

The Fraternalist of the Year Award Program is open to all 

member societies. This award is given, annually, to the member 

who, throughout the past year, exhibited extraordinary acts of 

fraternalism, provided outstanding volunteer service in the 

community and uncommon leadership in his/her volunteer 

service in the community. Entries were evaluated by an 

independent panel of judges. 

•> Deborah Young, Supreme Council of the 

Royal Arcanum, Coronation Council #2224, 

Windsor, Ontario > > > > > > > > > > > > > 

Deborah Young is a very active face of 

fraternalism, not only in Winsor, but across the border as well. 

Some of the projects Deborah has led her council, jurisdiction 

and in conjunction with the Michigan jurisdiction include the 

following: 

• JOIN HANDS DAY: Ontario members worked with the 

Scarlet Nobles and Ladies of Windsor Club to host a dinner 

and evening for mentally disabled and physically challenged 

adults. 

• Friends of Atkinson Park: Provided swimming lessons and 

summer picnics for underprivileged children. 

• Hiatus House: Ongoing support of donations and supplies for 

this women and children’s shelter. 

• “Well”-Come Center: Cleaning and refurbishing this women’s 

safe haven. 

• Toys for Tots: Led participation in the toy drive and 

volunteered for the Festival of the Bands fundraiser. 

• Mic Mac Park Program: Obtaining bicycles and helmets for 

children in this Safety Patrol program. 

• Downtown Mission: Preparation of food baskets and gift 

parcels at the holidays. 

• Three Day Run: Organized Team Coronation for this breast 

cancer research activity. 

• Better World Today Association: “Dancing With the Local 

Stars” fundraising and bone marrow awareness event. 

• Muscular Dystrophy Association: Organized the members’ 

culinary crew to prepare food for Jerry’s Kids during the 

weekend telethon. 

• Youth Soccer League:Provided equipment and uniforms. 

• Community Senior Center: Volunteers with members to host 

“dining out” experiences for the residents. 

• Windsor/Essex House Hospice: Packaging compassion car 

parcels and blankets for the terminally ill. 

• Selling Pink: Promoting breast cancer awareness with pink 

items whose proceeds benefit cancer research. 

• Friendship Baby Shower: Coordinating this activity where 

baby care items were gifted to those in need. 

• Grant Zavitz Memorial Award: Helped establish this 

outstanding youth volunteer recognition. 


Transform. 

We know what you’re up against. 

You have an aging membership base. 

Processing systems are increasingly unreliable, 

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Growth is necessary for survival, but at what cost? 

New systems can be high risk with low return. 

We feel your pain but also know your potential. 

Now’s the time to thrive, not just survive. se 2 can 

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Let’s talk. 

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• Coronation Council’s Athlete of the Year Award: Served on 

this committee, which involves teens in the council’s 

volunteer activities. 

• Salute to our Countries – the USA and Canada Dinner Party: 

Was coordinator for this veteran recognition. 

• Operation Comfort of San Antonio: Was Canadian 

coordinator for Royal Arcanum’s gifting project. 

• Tuberous Sclerosis Alliance Charity: Bowling and golf fundraising 

tournaments. 

To receive her $1 ,000 honorarium, Deborah has 

chosen the Better World Today Association whose 

goal is to ensure that no man, woman or child shall 

be deprived of a necessary Bone Marrow Transplant 

as the result of a lack of donors on the World-wide Registry, by 

raising public awareness of the need for Bone Marrow donors 

through Education; Special Events; Media Involvement; 

Community Sponsorships, And Fund-Raising Efforts. 

•> First Runner Up 

Sandy Jacobs, Catholic Financial Life > > > > 

•> Second Runner Up 

Mary Aurtrey, Woman’s Life Insurance Society 

> > > > > > > > > > > > > > > > > > > > > > > > > 

2012 Fraternal FIC of the Year Presentation 

This award, jointly sponsored by the American 

Fraternal Alliance, the Fraternal Field Managers 

Association (FFMA) and the National Association 

of Fraternal Insurance Counsellors (NAFIC) 

recognizes the fraternal activities of full-time 

FICs. Presenting the award is Mark Dean, FFMA President. 

•> Wilbert L. Jost, FIC, Catholic Life Insurance, 

Wall, Texas > > > > > > > > > > > > > > > > 

Following in the footsteps of his father, uncle, 

wife’s father, uncle and grandfather, Wilbert Jost 

has sold for Catholic Life Insurance since 1 982. He has also 

served the 690-member Wall Branch of Catholic Life as 

secretary-treasurer since that date. 

Wilbert earned a Masters of Education and retired as 

principal of the Wall Elementary School, having been named 

Texas Principal of the Year. 

He is dedicated to serving the St. Ambrose Catholic Church 

through the Men’s Choir, Sunday Choir,the Community 

Thanksgiving Choir and Festival Auction Committee. He has 

served the community of Wall through the Wall Band Boosters, 


Our Mission . . . “To provide quality, 

responsive service to the insurance 

industry through an environment that 

encourages personal and professional 

growth and fosters respect with clients 

and colleagues.” 

Strohm Ballweg is a niche firm serving 

only fraternals and other insurance 

entities. This focus provides us with a 

special understanding of the regulatory 

environment and specialized 

requirements of the insurance industry 

in all phases of auditing, tax, regulatory 

filing, and accounting. We currently 

serve ten fraternal societies, and we 

would be happy to have you talk with 

some of them so you can hear more 

about the level of service we provide. 

Contact: 

Gary Strohm, CPA 


999 Fourier Drive, Suite 101 

Madison, WI 53717 

608-821-6300 

gstrohm@strohmballweg.com 

www.strohmballweg.com


PTO, Young Farmers, Ag Boosters, Tom Green County Farm 

Bureau and JOIN HANDS DAY. Wilbert has selected the Wall 

Volunteer Fire Department, of which he is a longtime member, 

to receive his $1 ,000 honorarium. 

2012 Jacobson-Rugland Award 

The Jacobson-Rugland Award, established by Luther College, 

was named in honor of the late Reuben Jacobson (of the former 

Lutheran Brotherhood) and Walter Rugland (of the former Aid 

Association for Lutherans) and recognizes an outstanding 

fraternal actuary who has made valuable contributions to the 

actuarial and fraternal benefit fields. The selection committee is 

comprised of the three Actuaries Section officers and the two 

most recent section presidents. Presenting the award is Lori 

Newberg of the Actuaries Section and Miller & Newberg, Inc. 

•> Douglas A Bearrood, FSA, MAAA , Director 

of Capital and Model Management 

Corporate Actuarial, Thrivent Financial 

for Lutherans > > > > > > > > > > > > > > > 

Doug has worked at Thrivent Financial for 

Lutherans since 2001 where he currently serves as Thrivent’s 

Director of Capital and Model Management. He also served in the 

various officer roles of the Alliance Actuaries Section from 

2003- 2005. Prior to joining the fraternal world at Thrivent, 

Doug spent 1 2 years as a valuation and modeling actuary in the 

commercial insurance world at Fortis Financial Group in St. 

Paul, MN. 

Doug has been the key actuarial contact for the Alliance 

regarding Risk Based Capital (RBC) for fraternals. Initially, he 

worked with the Alliance in 2002 to begin discussions with the 

NAIC. He participated with the Fraternal Capital Adequacy 

Task Force during 2008-201 0 to address solvency issues for 

fraternals raised by New York and Minnesota. The work of this 

group eventually led to a recommendation to apply statutory 

RBC principles to fraternals. The suggestion for a separate 

Fraternal RBC Model Act has helped forestall more onerous, 

state-by-state regulation. 

Since 2002, Doug has assisted both fraternal and state 

regulators on RBC issues and continues to be a first actuarial 

contact for the Alliance and Thrivent lawyers whenever any 

questions arise regarding RBC. 

2012 Marcia D. Heywood Fraternal Communications Award 

This award is to honor an outstanding communicator for 

contributions to the communications profession and the 

advancement of the fraternal benefit system. It was named in 

honor of the late the late Marcia D. Heywood, Woodmen 

Financial Services, Inc., a communications professional who 


actively volunteered to serve her society, her state fraternal 

alliance and her trade association. Presenting the award is Irene 

Shimoda, Director, Community Marketing and Communications, 

The Independent Order of Foresters, and a Past President of the 

Fraternal & Communications Section. 

•> Rita Toalson, FMLI, ACS, Managing Editor 

and Creative Services Manager, Royal 

Neighbors of America > > > > > > > > > > > 

Rita has been in the communications department of Royal 

Neighbors for nearly 35 years. Her roots run deep in the 

fraternal benefit system, and she truly believes what she 

communicates to members and the public. She is a veteran in 

the field of crisis communication, recognizing the importance of 

minimizing any risk to Royal Neighbors and the fraternal 

system. Rita is a member of the Public Relations Society of 

America and the PR Network of the Quad Cities. 

Among her job responsibilities are: 

• Writing the content of The Royal Neighbor membership 

magazine and all member and agent publications. 

• Preparing all news releases that showcase Royal Neighbors 

and the fraternal benefit system. 

Life and Annuity 


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• Serving as spokesperson for Royal Neighbors in the media 

and at corporate events. 

• Preparing product advertising material that features not only 

product information, but Royal Neighbors’ fraternal 

difference. 

• Writing executive speeches that demonstrate the value of the 

fraternal benefit system. 

• Writing letters to members and chapter leaders encouraging 

their continuing participation in Royal Neighbors events 

• Meeting with members across the country in support of 

their fraternal efforts. 

• Helping to plan and communicate past National Conventions 

• Preparing material that explains and promotes the fraternal 

difference to sales agents. 

• Planning and communicating employee events to foster 

support of the fraternal system. 

• Assisting with promoting Royal Neighbors’ fraternal 

difference within social media (Facebook) and the Royal 

Neighbor website. 

She was instrumental in publicizing a Royal Neighbors Make A 

Difference Day event that won a $1 0,000 national award. 

BUSINESS SESSION 1 2:00PM 


•> Preliminary Report of the Credentials 

Committee 

Steven G. Reindl, National Mutual Benefit, 

Chair > > > > > > > > > > > > > > > > > > > > > > 

•> Report of the Constitution Committee 

Terry Rasmussen, Thrivent Financial for 

Lutherans, Chair > > > > > > > > > > > > > > > 

•> Report of the Secretary–Treasurer 

James R. Stoker, GBU Financial Life > > > > > 

•> Report of the Governance Committee 

Stuart B. Buchanan, Catholic Order of 

Foresters, Chair > > > > > > > > > > > > > > > > 

LUNCH WITH SPONSORS 12:15PM 



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WORKSHOP SESSION I 1:30PM 

#1 - Governance Roadmap: Change Starts at Your 

Convention 


Societies whose conventions act as the supreme governing 

body are faced with a variety of challenges that restrict their 

ability to grow and modernize. Educated delegates are critical 

to conventions making decisions – some of which can take 

their power away for the good of the long term survival of a 

society. Learn from two society leaders how they made major 

changes to their governance structure through committed 

communication and educational efforts. Attendees also will 

learn how one fraternal saw opportunity at its 201 2 

convention to provide training to delegates on how to 

effectively plan an outreach event, how to attract more 

volunteers and how to grow chapter membership. 

•> Mel Rambo, President & CEO, Equitable 

Reserve Association > > > > > > > > > > > > 

Melvin L. Rambo, FSA, MAAA, MBA, LLIF is 

President and Chief Executive Officer of the 

Equitable Reserve Association. He joined 

Equitable Reserve Association in May 2005 as Vice 

President– Administration, and was elected to his current 

position in June 2006. 

Previously Rambo was the President and COO of National 

Travelers Life Company, West Des Moines, Iowa. In 2004 and 

through April of 2005, Mr. Rambo had been pursuing his 

MBA at Drake University in Des Moines and working as a 

consulting actuary. In 2008, he completed his MBA through 

Drake University. 

Rambo earned his BSBA degree from Drake University, 

graduating Summa Cum Laude. He has been a LOMA 

Instructor. His professional affiliations include Fellow – 

LIMRA Life Institute, Fellow – Society of Actuaries, and 

Member – American Academy of Actuaries. 

•> Janice Whipple, Chair, Woman’s Life 

Insurance Society > > > > > > > > > > > > > 

Janice Whipple became national president of 

Woman's Life Insurance Society in 1 990. She 

had been with the Woman’s Life Insurance Society since 

1 979, serving as legal counsel before becoming its national 

president. She retired from the presidency in 201 2 and now 

serves as its chair of the board. 

Before joining the Society, she served as legal counsel to 

the Legislative Service Bureau for the State of Michigan and 

as a legal editing assistant for that same government agency. 

She was the first woman, and youngest person ever, to 

serve as president of the Association of Fraternal Benefit 


Counsel. She also served as president of the Law Section of 

the American Fraternal Alliance and was the first person to 

ever hold the positions simultaneously. From 1 995 to 2002, 

Mrs. Whipple served on the Alliance Law Committee. She 

was elected to a three-year term on the Alliance Board of 

Directors in 2002, becoming vice-chair of the board in 

September 2005 and installed as Chair of the Board in 

September 2006. 

She is an honors graduate of Central Michigan University 

and holds a Juris Doctor degree (cum laude) from Thomas 

M. Cooley Law School in Lansing, Michigan. She is a Fellow 

of the Life Management Institute (FLMI) and a designated 

Fraternal Insurance Counselor (FIC). 

•> Mark A. Walsworth, CFP, CLU, FIC, Senior 

Vice President of Marketing, Catholic Order 

of Foresters > > > > > > > > > > > > > > > > 


Mark A. Walsworth joined Catholic Order of 

Foresters (COF) in November 2008 and serves as Senior Vice 

President of Marketing. He is responsible for all marketing 

functions including sales and fraternal operations. During the 

past four years, COF as introduced strategies to better integrate 

field distribution efforts with more focused member outreach 

Your needs are straightforward and well-defined. Automate processes and 

communications for faster, more accurate policy and claims handling. Increase 

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a competitive edge. And improve the service experience itself with consistent 

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at all times. Interactive Intelligence lets your insurance company do all this 

with an all-in-one software solution for unified communications and content 

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resulting in improved agent productivity, new premium 

growth, preferred product mix, and re-energized member 

participation through COF’s successful Feeding God’s Children 

service program. 

Mark has more than 25 years experience in the insurance 

industry including more than 1 4 years working with fraternals. 

He is a graduate of Western Michigan University’s Hayworth 

College of Business. 

•> Mary Kenkel, Fraternal Outreach 

Coordinator, Catholic Order of Foresters 

Mary Kenkel graduated in May 201 1 from the 

University of St. Thomas in St. Paul, Minnesota, with a Bachelor 

of Arts in Communication and Journalism. She joined the 

Catholic Order of Foresters (COF) in September 201 1 . As the 

Fraternal Outreach Coordinator, Mary organizes member 

outreach efforts, including Feeding God’s Children. She also 

writes for the quarterly magazine, and meets with members 

about growing courts, increasing engagement, and making an 

impact through fraternal outreach opportunities. In addition, she 

also launched and manages the company’s social media pages. 

•> Todd W. Martin, Alliance General 

Counsel and Shareholder, Reinhart Boerner 

Van Deuren, s.c. > > > > > > > > > > > > > > 

Todd Martin is a shareholder with the law firm 

Reinhart Boerner Van Deuren, s.c., a full-service business law 

firm with more than 200 attorneys. Todd serves as the chair of 

the firm's interdisciplinary insurance law practice group and is 

a member of the firm's corporate law, employee benefits and 

exempt organizations teams. He began his career working for 

7 years in the law division for Aid Association for Lutherans 

and Thrivent Financial for Lutherans. His primary practice has 

been devoted to the fraternal system for more than 1 5 years. 

He has provided legal services to more than 30 fraternal 

benefit societies across the country and has advised on more 

than 1 0 fraternal mergers. He serves as the retained outside 

general counsel for the Alliance. His breadth and depth in 

working with fraternals large and small gives him unique 

perspective in advising on legal matters impacting fraternals 

such as insurance regulation, product distribution, licensing, 

compliance, employee benefits, contracting, governance, tax, 

membership, lodge matters and mergers and acquisitions. 

#2 - Competitive Analysis: Understanding Your 

Competitors and Raising Your Game 

Lafayette East 

While most fraternals are small players in the insurance industry, 

societies can still remain up-to-speed on what commercial carriers 

are doing in the marketplace. Utilize competitive intelligence to 



make sound business decisions even on a modest budget. Learn 

what tweaks carriers are making to existing products in lieu of low 

interest rates. Big carriers have learned how to capitalize on social 

networking despite fuzzy guidelines – how are they managing to 

stay compliant? What new insurance products are being offered 

to consumers and how are they being marketed? Others are 

targeting religious and ethnic groups with sophisticated strategies 

that fraternals can mimic. This session will give attendees a 

surprising view into the offers and products as they are presented 

by insurance industry leaders and followers. 

•> Richard Goldman, CEO & Founder, 

Competiscan > > > > > > > > > > > > > > > > 

Richard Goldman is the leading and longesttenured 

expert in the process of collecting 

direct-marketing materials specifically for the insurance and 

financial services industries. His company, Competiscan, 

currently serves the competitive intelligence and product 

development needs of insurance carriers and financial services 

providers. Rich has presented Competiscan's findings at various 

industry functions including AHIP, BIG (Blues Intelligence 

Group), LIMRA, LISSSG (Life Insurance Sales Support Study 

Group), IMCA (Insurance Marketing and Communications 

Association) and SIR (Society of Insurance Researchers). With 

complete access to all of the direct marketing activity (including 

direct mail, email, online banner, print ads, and social media) 

targeting insurance producers, financial advisors, business 

owners, and consumers, Rich Goldman and Competiscan have 

redefined the ability of insurance and financial services 

companies to track their competitors, while gauging an 

understanding of the impact of their own materials in the 

marketplaces they serve. 

•> Joan Bradley, Advanced Business 

Specialist, Woodmen of the World/Omaha 

Woodmen Life Insurance Society > > > > > 

Joan Bradley, FIC, FFSI, AAPA, ACS, ALMI works 

specifically in the area of competitive analysis as an Advanced 

Business Specialist at Woodmen of the World/Omaha Woodmen 

Life Insurance Society. Applying over a decade of experience in the 

insurance and financial services industry, Joan uses Competiscan 

as a tool for business intelligence reporting for Woodmen of the 

World/Omaha executives. She regularly conducts interest rate 

comparisons researches new products and identifies emerging 

product concepts and marketing and distribution channels. 

In addition to Competiscan, Joan stays current on the life 

and annuity business through her involvement with the Life 

Insurance Sales Support Study Group (LISSSG) and LIMRA’s 

Annuity Research Study Group (ARSG). 

A former stockbroker and teacher, Joan is a graduate of the 

University of Nebraska-Lincoln. 


#3 - Annuity and Life Insurance Tax Compliance: Why you 

should care and what you can do when mistakes happen 

Lafayette West 

Bryan Keene and Daniela Stoia of Davis & Harman LLP will 

discuss why you need to pay attention to the federal income tax 

rules applicable to the annuities and life insurance contracts 

your society issues. Joe and Daniela will describe some of the 

basic tax rules applicable to annuities and life insurance 

contracts so you can understand how easily these rules can be 

inadvertently violated, the consequences to your society and 

your members of violations, and how common mistakes can be 

corrected. Real life examples Joe and Daniela have encountered 

will be used to illustrate these points. 

•> Bryan Keene, Partner, Davis & 

Harman LLP > > > > > > > > > > > > > > > > 


Bryan Keene is a partner with Davis & Harman 

LLP in Washington, DC. Bryan advises clients on a 

variety of issues relating to the federal income tax treatment of 

life insurance and annuity products, focusing particularly on 

variable insurance products (registered and non-registered), 

annuities (qualified and non-qualified), IRAs, and corporateowned 

life insurance. He also represents clients before the 

Internal Revenue Service and the Treasury Department on 

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insurance tax matters and is a frequent commentator on proposed 

regulations and other guidance projects affecting the life 

insurance industry. He is a contributing author to the Annuities 

Answer Book and regularly publishes articles and speaks on topics 

relating to the federal income tax treatment of life insurance, 

annuity, and long-term care insurance products. Prior to joining 

Davis & Harman LLP in 1 999, Bryan received a B.S. from the 

University of Florida in 1 994. He received a J.D., cum laude, from 

the University of Florida in 1 998. While at the University of 

Florida, Bryan was a senior editor of the Florida Law Review. He 

is a member of the bars of the District of Columbia and Florida. 

•> Daniela Stoia, Partner, 

Davis & Harman LLP > > > > > > > > > > > 

Daniela Stoia is a partner with Davis & Harman 

LLP, specializing in insurance product tax matters. 

In particular, her practice concentrates on various 

life insurance contract compliance issues. Since 1 998, Daniela 

has represented clients in over 70 proceedings with the IRS to 

obtain relief for life insurance contracts that fail to comply with 

applicable federal income tax laws (such as failures to comply 

with Internal Revenue Code sections 101(f), 7702, and 7702A 

as well as reporting failures. Drawing on this experience, Daniela 

and others in the firm submitted comments in response to IRS 

Notice 2007-1 5 recommending that changes be made to the 

correction procedures for “failed life insurance contracts” and 

“inadvertent MECs” in order to address the insurance industry’s 

concerns about the amounts due under such procedures and the 

administrative burdens such procedures placed on taxpayers. In 

addition, since the release of the new correction procedures in 

2008, Daniela has spoken before numerous groups about these 

procedures and has represented clients seeking relief under 

these procedures. 

WORKSHOP SESSION II 3:00PM 

#4 - Social Media: If You’re Late to the Party Should You 

Bother to Catch Up? 


Are Facebook, LinkedIn, and Twitter really the keys to your 

society’s future? Will your members feel better about your 

organization through an online connection? Can your society 

tweet its way to more sales, more community service 

involvement, and more relevance? How can you possibly catch 

up to organizations that have been using these tools successfully 

for years? It seems like a discussion of social media tools always 

has more questions than answers, but this session is designed to 

help every society – expert or novice – use these important tools 

to enhance their interaction with members, prospects, local 

chapter networks, and agents. If you’re not online you don’t 


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exist – at least to a vast majority of consumers. So this is a 

session you just can’t afford to miss. 

•> Stephen Selby, Director of Regulatory 

Services, LIMRA > > > > > > > > > > > > > > 

Stephen Selby is currently the Director of 

Regulatory Services at the LIMRA Regulatory Services Strategy 

Center. LIMRA Regulatory Services provides auditing and 

consulting services, and compliance solutions to insurance 

companies, broker-dealers and investment advisers throughout 

the country. As a trade organization, LIMRA provides 

networking opportunities and industry leading research on a 

number of issues, including compliance, for its members. 

Stephen is currently focusing on social media issues. He has 

coordinated much of our own due diligence for LIMRA use of 

social media as well as developed our business strategy with our 

strategic partners. Stephen speaks on both the business 

opportunities and compliance implications of social media in 

financial services. 

Immediately preceding his position at LIMRA, Stephen was 

the Director of Regulatory Affairs at Lincoln Financial Advisors. 

Stephen has worked in the financial services industry since 

1 991 , and in regulatory compliance for insurance affiliated retail 

broker/dealers since 1 997. He has completed the following 

Series exams 4, 6, 7, 24, 26, and 66. Selby graduated from the 

University of Connecticut (Class of 1 990) with a BA in English. 

#5 – Generate Dramatic Growth by Optimizing Your 

Business Strategies to Succeed in the Hispanic Market 


Many societies share a number of misconceptions about one 

of the best growth opportunities for the life insurance industry 

and the fraternal system. This session will provide all of the 

facts you need to know about this tremendous opportunity, 

along with a case-study example of how to develop a successful 

Hispanic marketing strategy. 

•> Terry Soto, President and CEO, About 

Marketing Solutions > > > > > > > > > > > 

Terry Soto is President and CEO of About 

Marketing Solutions, Inc., a Burbank, California – based 

strategy consulting firm specializing in helping her clients 

dramatically improve overall business performance by 

optimizing their strategies to succeed in the Hispanic market. 

Terry has consulted for many of the country’s largest 

companies including Walgreen’s, AutoZone, Verizon Wireless, 

Coca Cola, MillerCoors, Citibank, Kraft Foods, Absolut Vodka, 

Disney and Wells Fargo Bank. She is the author of Marketing to 

Hispanics A Strategic Approach to Assessing and Planning Your 

Initiative and lead author of the Grow with America: Best 


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Financial Wellness 

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Practices in Ethnic Marketing and Merchandising, and is 

working on a new book due out in 201 3. 

Terry’s passion for educating, motivating and enabling 

company executives to leverage their skills, company assets and 

Hispanic market intelligence to meet profit goals is often 

sought out by trade associations, client organizations and 

graduate schools where she speaks on what it really takes to 

improve overall business performance by optimizing existing 

strategies to succeed in the Hispanic Market. 

Terry received her MBA from Pepperdine Graziadio School of 

Business and Management, where she regularly guest lectures 

on Hispanic Market strategy and she is recent past President of 

the National Society of Hispanic MBAs Los Angeles Chapter 

which she continues to support to further Hispanics’ education 

and grow Hispanic professionals’ presence in corporate ranks. 

#6 - Dispute Resolution the Fraternal Way 


Learn how your society can develop a member-centric, 

efficient and cost-effective process for resolving member 

disputes from an expert in the field. Attendees will learn how to 

produce “win-win” resolutions while effectively managing 

disputes throughout the appeal, mediation and arbitration stages 

of their program. The presentation is for CEOs, general counsels 

and other senior organizational leaders who are interested in a 

prompt and effective resolution of member complaints. 

•> Wayne Luck, Senior Litigation Counsel, 


Wayne Luck serves as Senior Litigation Counsel 

for Thrivent Financial for Lutherans. He is a 1 980 

graduate of the University of Wisconsin-Whitewater with a 

BBA in business. In 1 983, Wayne received his JD from 

Marquette University Law School. Prior to joining Thrivent 

Financial for Lutherans, Wayne practiced as a litigation 

attorney defending Wausau Insurance, Nationwide Insurance, 

Scottsdale Insurance and Liberty Mutual Insurance Companies. 

Wayne has handled over 50 jury trials and hundreds of 

administrative trials. Wayne served as a faculty member for the 

Liberty Mutual in-house NITA programs training attorneys in 

areas of civil and workers compensation litigation and is has 

frequently been an invited speaker on various continuing legal 

education topics. In 2004, Wayne joined Thrivent Financial for 

Lutherans and manages member litigation. 

Come visit the National Association 

of Insurance and Financial Advisors 

in the Sponsor Salon. 

Learn about NAIFA and other insurance 

industry organizations near the Alliance 

Fraternal Strategic Services area. 



OPEN COMMITTEE MEETINGS 4:30 – 5:30PM 

Governance – St. Charles 

Credentials – Boardroom 

Constitution – Orleans 

MEET THE SPONSORS COCKTAIL RECEPTION 

6:00PM 


Another opportunity to network with Alliance colleagues and 

sponsors, prior to your night of exploring the French Quarter. 

Dinner On Own 

has provided a number of 

services for fraternal 

organizations involved in the 

marketing of life insurance 

and annuities since 1998. 

For more information, please contact: 

Mr. Edward Carroll, President 

(318) 473-0436 

ECarr125@aol.com 

125 Dogwood Pass 

Woodworth, LA 71485 

www.edcarrollandassociates.com 


Saturday, September 8 

SATURDAY, SEPTEMBER 8—DAY-AT-A-GLANCE 


7:30am Continental Breakfast (Grand Ballroom Foyer) 

8:30 – 9:45am Workshop Session III 

• #7 – Protecting Your Society from Cyber Liability 

(Grand Ballroom) 

• #8 – Measuring Member Satisfaction (Lafayette East) 

• #9 – Who Will Lead? (Lafayette West) 


11:30am Business Session (Grand Ballroom) 

12:30pm Fraternal Lunch (Lafayette Ballroom) 

5:00pm Catholic Mass (Lafayette Ballroom) 

6:00 – 7:00pm Registration Open (Grand Ballroom Foyer) 

6:30pm Reception (Grand Ballroom Foyer) 

7:00pm Dinner (Grand Ballroom) 

All times and events are subject to change. 

REGISTRATION 7:30AM–2:00PM 


Do you have your table reserved for tonight’s dinner? Bring 

the dinner tickets of your table mates and select your table 

this morning. 

CONTINENTAL BREAKFAST 7:30AM 


WORKSHOP SESSION III 8:30 – 9:45AM 

#7 – Protecting Your Society from Cyber Liability 


In the early days of the fraternal system, the biggest risk to a 

society’s financial health was a pandemic. In today’s ever-changing 

world, there are much larger and unpredictable risks that face 

financial services providers, including a breach of sensitive 

membership information. Our panel of experts will demonstrate 

not only how to assess your society’s risk to these external 

environmental factors, but how to protect yourself, your board, 

and your members from the potential fallout from these risks. 

•> Jim Parck, Executive Vice President, 

Lockton Companies, Inc. > > > > > > > > > 

Jim has over 30 years of underwriting and 

brokerage experience in the D& O, Professional 

Liability, Financial Services, and Risk Management business. 


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In a fast-changing environment, our 

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We have one business objective: 

superior investment results for our 

clients. 

We are a private partnership, 

which allows us to serve our clients 

as a long-term business partner. 

We are solution providers with 

multi-asset capabilities for insurers. 

Richard M. Coffman 

617-951-5311 

rmcoffman@wellington.com 

Andrew L. Paone 

617-951-5898 

apaone@wellington.com


Included in his many years are underwriting and 

management responsibilities at the Chubb Group; brokering 

and consultative services at Marsh & McLennan; as well as 

creating and building a successful independent practice 

providing risk management consulting services to all types and 

sizes of corporations. 

Today, Jim is a senior partner of Lockton Companies and a 

member of the Chicago office’s Executive Committee. In 

addition to being responsible for the overall performance of 

Lockton Chicago and the development of its Associates, Jim 

spends much of his time working with insurance company 

clients, assisting them to protect their own assets from 

financial adversity through unique and innovative solutions 

•> Ben Beeson, Executive Director, Lockton 

Companies, Inc. > > > > > > > > > > > > > > 

Ben is an Executive Director for the Technology 

Risks Practice at Lockton. Ben has spent the last 

1 6 years in the insurance market and joined 

Lockton in October 2007. 

Ben’s expertise centers on liability risks to the technology 

industry and extends to security and privacy exposure across 

multiple industry segments. Prior to Lockton, Ben spent five years 

working in Marsh London’s FINPRO division and running the 

Technology Errors and Omissions team in the San Francisco office. 

#8 – Measuring Member Satisfaction: How Does Your 

Society Stack Up? 


Do you really know what your members think of your society? 

How does your members’ experience with your society compare 

with your competitors - large commercial carriers? Measuring 

member satisfaction is one of the best ways to discover your 

society’s strategic strengths and weaknesses. In this session, 

John Borgen of Catholic Financial Life will share a case study of 

how his society engaged a nationally recognized measurement 

system to gain some enlightening insights into its members’ 

experience. Attendees will also learn how other financial services 

organizations are able to benchmark their customers’ 

satisfaction, drive organizational strategy and use the results in 

fresh marketing and communications campaigns. 

•> John Borgen, Vice President, Fraternal 

and Member Services, Catholic 

Financial Life > > > > > > > > > > > > > > > 

John Borgen is the Vice President of Fraternal and Member 

Services at Catholic Financial Life. In that capacity he oversees the 

organization’s chapter system, member benefits, charitable giving 

and common cause partnership with the Society of St. Vincent de 

Paul. In addition, he leads Catholic Financial’s membership 

experience and operational excellence corporate initiatives. 


Prior to joining Catholic Financial Life, John spent ten years 

in the non-profit sector. He served as the Executive Director of a 

Catholic youth camp, Director of Development for two different 

Catholic high schools in southeastern Wisconsin, and as a 

fundraising, strategic planning and capital campaign consultant 

to dozens of charities. 

John received a BA in Political Science and Philosophy from 

St. John’s University in 2001 , an MA in Philanthropy from 

Indiana University in 2009, and is completing an MBA at 

Marquette University. 

•> Terry Felker, Director of Marketing, 

American Customer Satisfaction 

Index (ACSI) > > > > > > > > > > > > > > > > 


Terry Felker has served as the Director of Marketing for the 

American Customer Satisfaction Index (ACSI) for the past 1 1 years 

and was the ACSI’s first Program Manager when it was launched in 

1 994. Terry has worked with many subscribing clients in using the 

ACSI as an independent benchmarking tool of customer 

satisfaction to fully harness the analytic power of the ACSI. 

Terry had also been very involved in Six Sigma quality training 

in his career. He has worked with numerous organizations on the 

deployment of Six Sigma improvement initiatives and has held 

Six Sigma “Green Belt” and “Champion” certifications. 



Prior to his ACSI and Six Sigma experience, Terry worked for 

consumer goods companies in various new product development 

and marketing management roles. 

Terry has an MBA from Marquette University and a BBA degree 

in Marketing from the University of Wisconsin-Whitewater. 

#9 – Who Will Lead? 


Sponsored by the Fraternal Field Managers Association (FFMA) 

Emily Viner will provide you with effective tools to maximize 

the performance of your entire team – from the field force, to 

chapter leaders, to the home office staff. You’ll learn the secrets 

of identifying, recruiting, and training the future leaders of your 

society, and walk away with the practical and pragmatic skills 

that will help you – and your peers – perform at the highest level. 

•> Emily Viner, Vice President, Agency 

Management & Leadership Development, 

Individual Products Distribution, 

The Guardian Life Insurance Company 

of America > > > > > > > > > > > > > > > > 

Emily Viner is responsible for the growth, development and 

retention of Guardian’s Sales Managers and Leadership Bench. 

Joining Guardian in 1 998, Emily has been responsible for most 

aspects surrounding the growth and development of its career 

agency system nationally. She has led the areas of FR 

Recruiting, Agent Training, Team Selling, Advanced Planning, 

the development of Guardian’s Women’s Initiative & Girls Going 

Places (GGP). During the merger with Berkshire Life Insurance 

Company, Emily successfully managed the transition of 

Berkshire career agents into Guardian’s career agency system. 

Since 1 998, Guardian, its agent ranks have grown from 21 00 

to 3400 agents while maintaining its strong 4-year retention 

rate. In 2008, Emily received Guardian’s Field Service Award, 

presented by the Field Advisory Board, comprised of Guardian 

General Agents. In 2009, she was honored by the national 

organization, Women in Insurance & Financial Services as 

Woman of the Year. 

She began her insurance career in 1 989, joining a scratch agency 

with MassMutual. Using her skills as an executive search 

consultant, Emily helped her general agent reach #1 0 in new 

manpower development within 3 years and $1 million in first 

year commissions within 4 years, recruiting 1 55 agents in 6 years, 

90% of those agents from active sources. Emily has held field 

positions of Agent, Sales Manager and Associate General Agent. 


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GENERAL SESSION 1 0:00AM 


Guest Speaker 

It's Our Time 

•> Ed Potter (ICMIF) Executive Director, 

International Cooperative and Mutual 

Insurance Federation/Americas > > > > > 

Edward L. Potter was named executive director of the 

International Cooperative and Mutual Insurance Federation/ 

Regional Association for The Americas (ICMIF/Americas) in 

February, 2004. Founded in 1922, ICMIF serves as the global 

voice for cooperative and mutual insurance industry, today 

representing 221 member-owned insurance companies in 70 

countries around the world. 

As ICMIF’s regional association for The Americas, 

ICMIF/Americas serves 63 member cooperative and mutual 

insurers in 20 countries throughout North, Central and South 

America and the Caribbean. Collectively members in The 

Americas region represent over 1 400 insurers with over US 

$111 billion in assets and US$41.5 billion in premium income. 

A certified association executive (CAE), Potter has more than 24 

years of experience in international trade, professional and 

philanthropic associations and international development. He has 

also worked for several international non-profit organizations 

including the American Society of Association Executives, 

Partners of the Americas, the International Exchange Association, 

and the International Youth Foundation. 

Potter holds a degree in International Studies from the 

University of Michigan in Ann Arbor. He is fluent in Spanish 

and Portuguese, and conversant in French. 

President and CEO’s Address 

The Power of One 

•> Joseph J. Annotti, President & CEO, 

American Fraternal Alliance > > > > > > > 

Joseph J. Annotti joined the American 

Fraternal Alliance as President and CEO on March 31 , 2008. As 

CEO of the Fraternal Alliance, Joe is responsible for managing 

the day-to-day operations of the organization. He also serves as 

the voice of the fraternal industry to all internal and external 

audiences, and the leading advocate for the system before state 

and federal public policymakers. In conjunction with the Board 

of Directors, he provides strategic guidance to the organization 

in order to build and affirm the Fraternal Alliance’s mission, 

values and policy positions. 

•> Charles Cooper, Vice President, 

McBee Strategic > > > > > > > > > > > > > > 


Charles joined McBee Strategic in 201 0. Charles brings over ten 

years of bicameral Congressional experience to the firm, including 

three years within senior Republican leadership. Most recently, 

Charles served as Chief of Staff to Rep. Adam Putnam (R-FL). 

Through his work with Rep. Putnam, he both served as Policy 

Director at the House Republican Conference and served as Chief 

of Staff to the Republican Policy Committee. Prior to this, Charles 

served as Legislative Director for Rep. Mario Diaz-Balart (R-FL), 

where he was responsible for the Congressman’s work on the 

Budget Committee and the Transportation and Infrastructure 

Committee. He also served as Legislative Assistant for Rep. Felix 

Grucci (R-NY), where he handled the Congressman’s housing 

portfolio on the House Financial Services Committee. Charles 

started his career on Capitol Hill working within the U.S. Senate 

for Senator Jon Kyl (R-AZ) and Senator Connie Mack (R-FL). 

Charles received his Bachelor of Arts degree in political science 

and history from Southern Methodist University in Dallas, Texas. 

Featured Speakers 

•> James Carville and 

Mary Matalin > > > > > > > > > > > > 


James "The Ragin' Cajun" Carville 

is America's best-known political 

consultant. His long list of electoral successes evidences a knack for 

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steering overlooked campaigns to unexpected landslide victories 

and for re-making political underdogs into upset winners. 

His winning streak began in 1 986, when he managed the 

gubernatorial victory of Robert Casey in Pennsylvania. In 1 987, 

Carville helped guide Wallace Wilkinson to the governor's seat 

in Kentucky. Carville continued his winning streak with wins in 

New Jersey with Frank Lautenberg elected to the US Senate. 

He next managed the successful 1 990 gubernatorial campaign 

of Georgia's Lieutenant Governor Zell Miller, and in 1 991 , 

Carville— who had already become prominent in political 

circles— drew national attention when he led Senator Harris 

Wofford from 40 points behind in the polls to an upset 

landslide victory over former Pennsylvania Governor and U.S. 

Attorney General Richard Thornburgh. But his most prominent 

victory was in 1 992 when he helped William Jefferson Clinton 

win the Presidency. 

In recent years, Carville has been focusing on campaigns in 

more than 20 countries around the globe, including leading 

Ehud Barak to victory in his campaign to become the Prime 

Minister of Israel in 1 999. 

Along with pollster Stanley Greenberg, Carville founded 

Democracy Corps, an independent, non-profit polling 

organization dedicated to making government more responsive 

to the American people. Democracy Corps has conducted over 

200 national, congressional and local surveys, interviewing over 

220,000 American voters during the past 1 0 years. 

Carville is a frequent political commentator and contributor 

on CNN. He also serves as a Professor of Practice at Tulane 

University in New Orleans. 

Mary Matalin is a celebrated conservative voice and political 

contributor for CNN. Matalin formerly served as assistant to 

President George W. Bush and counselor to Vice President 

Dick Cheney, and was the first White House official to hold 

that double title. 

Before joining the Bush/Cheney White House, Matalin hosted 

CNN’s critically acclaimed debate show, Crossfire. Matalin is the 

former founding co-host of the Washington-based political 

weeknight talk show, Equal Time, which premiered in May 1 993 

on CNBC. She served as co-host until shortly after the 1 996 

national political conventions. Matalin also co-authored the bestselling 

political campaign book All’s Fair: Love, War and Running 

for President with her husband, James Carville. Her most recent 

book, Letters to My Daughters (April 2004), was named a Book of 

the Month Club selection as well as made The New York Times 

and The Washington Post best-seller lists. 

Matalin took her sharp wit and free-spirited political repartee 

to the airwaves during her own three-hour afternoon radio 

program on the CBS Talk Radio Network. The Mary Matalin 

Show highlighted current events, featured distinguished guests 

and listener calls. In addition, Talk Daily recognized The Mary 

Matalin Show with its “Great Web Site Award”. Matalin recently 

appeared, with Carville, on HBO’s critically acclaimed series K 

Street, about the world of powerful political consultants. 


is proud to be a Silver Sponsor of the 

2012 Annual Meeting and an Associate 

Member of the American Fraternal Alliance. 

Optimum Re Insurance Company rated A- excellent 

AM Best is an affiliate of the Optimum Group and 

provides reinsurance in the United States and the 

Caribbean. 

During a period of trying economic times, Optimum 

Group continues to benefit from its diversity of 

activities and continuous growth that was built stepby-step 

on a solid foundation. 

Optimum Re is committed to the small company 

market and is a leader in the FRATERNAL market. 

Recognizing the need in the industry for additional 

capacity and services it has also had considerable 

success expanding into the larger company market. 

Optimum Re offers competitive pricing, full 

underwriting and claim services including online 

underwriting manuals, research and development, 

special risk management reporting for large cases and 

individual record keeping administration systems for 

life, ADB and critical illness products. A new branch 

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For more information, 

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She held senior positions in the George H. W. Bush 1 988 

campaign and, upon President Bush’s election, was appointed 

chief of staff for the RNC. In 1 992, President Bush named her 

the deputy campaign manager for political operations. Matalin 

is editor-in-chief of Threshold Editions. She also co-hosts the 

nationally-syndicated radio program Both Sides Now. She serves 

on the boards of the Washington Humane Society, the Richard 

B. and Lynne V. Cheney Cardiovascular Institute at The George 

Washington University and the Editorial Board of Campaigns 

and Elections magazine, which features up-to-date campaign 

information, the latest news about political consultants and the 

business and trends in the industry. 

Matalin and Carville reside in New Orleans with their daughters, 

Matalin “Matty” Carville and Emerson “Emma” Carville. Matalin 

and Carville will be the co- chairs of the host committee for the 

201 3 Super Bowl, which will be played in the Louisiana Superdome. 

BUSINESS SESSION 11:30AM 


•> Final Report of the Credentials Committee 

•> Preliminary Report of the Governance Committee and 

Election of Officers 

•> Final Report of the Constitution Committee 

•> Installation of the 2012-2013 Board of 

Directors 

William R. O’Toole, President and CEO, 

Catholic Financial Life, will serve as 

installing officer > > > > > > > > > > > > > > > 

•> 2012-2013 Chair of the Board Acceptance 

Speech 

Joseph E. Gadbois, Chair of the Board > > > 

Announcements and Adjournment 

LUNCH 12:30PM 


Guest Speaker 

What America Needs Now! 

•> Bradford Hewitt, President and CEO, 


Brad has been the CEO of Thrivent for just a few 

years, an employee of Thrivent for just over 8 and a member of 

Thrivent for over 30 years. He will describe both his journey and 

Thrivent’s into fraternalism and why our societies offer 

something important for America right now! 



Brad Hewitt has the honor to serve the only Fortune 500 

faith-based membership organization as the president and CEO. 

Leading an organization whose purpose is to connect faith and 

finances for Christian communities and their members, he 

brings the combined faith and financial vision to Thrivent 

Financial for Lutherans. 

Brad brings more than 28 years of experience to Thrivent 

Financial. He joined the organization in 2003 as senior vice 

president of Fraternal Operations and has also served as president 

of the Thrivent Financial for Lutherans Foundation. In November 

2008, he was promoted to chief operating officer. He was named 

president and chief executive officer in February 201 0. 

Brad began his career in 1 982 with Minnesota Mutual Life in 

the Actuarial Services department and then joined Charter 

Med (now UnitedHealth Group) in 1 986 as director of 

Underwriting. From 1 993 to 1 998, he served as CFO and then 

as president and CEO of Diversified Pharmaceutical Services 

(now Express Scripts). After a successful business career, Brad 

felt called to the Lutheran Church Extension Fund, then to be 

the chief administrative officer of The Lutheran Church – 

Missouri Synod in St. Louis, Missouri, from 1 998 to 2003. 

Brad currently serves as the chair of the board of regents of 

Concordia University, St. Paul, Minnesota. He is also on the 

board of the Lutheran Community Foundation and the board 

of directors of the American Council of Life Insurers. Brad has 

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volunteered on a number of other boards and committees in 

the past, both at his local church and at the national level. 

A native of Minneapolis, Brad graduated from the University of 

Wisconsin-River Falls in 1 982 with a bachelor of science in 

mathematics and a minor in economics. He also completed the 

Harvard Graduate School of Business Program for Management 

Development in 1 995. 

Catholic Mass 5:00pm 


Fr. Anthony M. Bozeman, S.S.J. the Pastor of St. Raymond/St. 

Leo Catholic Church, will be the celebrant for the Mass. 

Closing Reception 6:30pm 


Laissez les bon temps rouler! Our thanks to The Le Beaux Jazz 

Quartet for helping us to celebrate ala French Quarter. 

Closing Dinner 7:00pm 


Don your mask, compliments of Strohm Ballweg, and join in 

the party! We'll eat drink and be merry and laugh to the antics 

of King Rex's court jester, Jimmy Travis. 

Invocation 

•> Peter J. Lemire, High Court Trustee, 

Catholic Order of Foresters > > > > > > > > 

FEATURED ENTERTAINMENT 

•> Jimmy Travis > > > > > > > > > > > > > > > 

Jimmy’s performed in all 50 states and has the 

uncanny ability of being able to relate to audiences 

of all ages. 8-80! Jimmy has toured with some of 

the biggest names in show business. He’s been a 

repeat performer in major concert halls as well as the main 

showrooms of Las Vegas, Reno, and Lake Tahoe. Jimmy’s 

special blend of humor and music have led to over 50 national 

television appearances on such networks as Odyssey, The 

Family Channel, TNN, The Inspirational Network, and on NBC 

as part of The Jerry Lewis Parade Of Stars. 

Jimmy Travis is also a gifted and successful song writer. His 

songs have been used in promotional campaigns by NASCAR, 

Toyota, Auntie Ann’s Pretzels, Sea Ray Boats, Crystal Cruises, 

Shaklee Corp. and many others. He’s recognized as one of the 

country’s most popular writers of Christian children’s music. 

Over 1 50 of Jimmy’s songs have been recorded and performed 

by choirs both in the United States and Internationally. 

Jimmy Travis was recently honored as the recipient of The 

Jimmy Durante Award. This award is presented annually to a 

comedian or humorist and recognizes outstanding achievement 

in the field of family entertainment. 


BOARD COMMITTEES 

Alliance Committees 2012 

Governance Committee 

•> Stuart B. Buchanan, High Secretary-Treasurer/CFO, Catholic 

Order of Foresters (Chair) 

•> Harald E. Borrmann, Senior Vice President & Secretary, 

Catholic United Financial 

•> Darcy G.Callas, Director & General Counsel, Modern 

Woodmen of America 

•> David C. Gautsche, Senior Vice President of Products and 

Services, Everence Association, Inc. 

(for other committees of the board, please visit the Alliance 

Website) 

STANDING COMMITTEES 

Law Committee 

•> Richard J. Kleven, VP, Government Affairs, Thrivent Financial 

for Lutherans (Chair) 

•> Les Bohnert, Assistant General Counsel, Modern Woodmen 

of America 

•> Paul F. D'Emilio, Esq., General Counsel, Supreme Council of 

the Royal Arcanum 

•> Beth Elfrey, Deputy General Counsel, Knights of Columbus 

•> Lynn L. E. Espeland, Assistant VP and Associate General 

Counsel, Woodmen of the World/Omaha Woodmen Life 

Insurance Society 

•> Cynthia Maleski, National President and CEO, First Catholic 

Slovak Ladies Association of the USA 

•> John A. Marella, Supreme Advocate, Knights of Columbus 

•> Christopher T. Nowotarski, Consulting Attorney, Catholic 

Order of Foresters 

•> Bruce R. Peterson, Secretary and General Counsel, Royal 

Neighbors of America 

•> Andrew M. Rajec, President, First Catholic Slovak Union of 

the US and Canada 

•> Katharine E. Rounthwaite, VP, General Counsel & Executive 

Secretary, The Independent Order of Foresters 

•> Peter Thrane, Attorney Shareholder, Leonard, Street and 

Deinard, P.S. 

AD HOC COMMITTEES 

Constitution 

•> Terry Rasmussen, Senior Vice President, General Counsel & 

Secretary, Thrivent Financial for Lutherans (Chair) 

•> Darcy G.Callas, Director & General Counsel, Modern 

Woodmen of America 

•> Katharine Rounthwaite, Sr. VP, General Counsel, Chief 

Compliance Officer & Executive Secretary, The Independent 



Alliance Committees/Member Societies 2012 

Credentials 

•> Steven G. Reindl, VP Operations & Corporate Secretary, 

National Mutual Benefit (Chair) 

•> Janet Goulart, CSA, Vice President Human Resources and 

Assistant Secretary, Gleaner Life Insurance Society 

•> Marty Mabe, Vice President and Corporate Secretary, Catholic 

Life Insurance 

Membership Benefits 

•> J. Michael Belz, FIC, CLU, ChFC, LLIF, President/CEO, 

Catholic Life Insurance (Chair) 

•> Michael F. McGovern, President and Chairman of the Board, 

Catholic United Financial 

•> Melvin L. Rambo, FSA, MAAA, President & CEO, Equitable 

Reserve Association 

•> James Rial, CPA, FLMI, President, Catholic Holy Family 

Society 

•> Dean Stiller, Actuary, Sons of Norway 

•> Cynthia A. Tidwell, President/CEO, Royal Neighbors of 

America 

•> Craig A. Van Dyke, CFA, Senior VP & Treasurer, Western 

Fraternal Life Association 

Risk Management 

•> D. Parker Brown, AVP & Associate General Counsel, The 

Independent Order of Foresters (Chair) 

•> John C. Callen, Investment Officer, Catholic Financial Life 

•> Dawn Denis, ARM, Manager, Corporate Insurance 

Management, Thrivent Financial for Lutherans 

•> Matt Ellis, Assistant General Counsel, Woodmen of the 

World/Omaha Woodmen Life Insurance Society 

•> John A. Friederich, Senior Assistant General Counsel, Royal 

Neighbors of America 

•> Joel Huser, CPA, CFO and Secretary, Degree of Honor 

Protective Association 

•> Frank Osborne, FIC, CLU, ChFC, RHU, FLMI, Marketing 

Manager, MWAGIA, Inc., Modern Woodmen of America 

MEMBERSHIP 

MEMBER SOCIETIES 

•> ACTRA Fraternal Benefit Society, Toronto, ON 

•> Alliance of Transylvania Saxons, Cleveland, OH 

•> American Mutual Life Association, Cleveland, OH 

•> Association of the Sons of Poland, Carlstadt, NJ 

•> Baptist Life Association, Buffalo, NY 

•> Catholic Association of Foresters, Braintree, MA 

•> Catholic Family Fraternal of Texas, Austin, TX 

•> Catholic Financial Life, Milwaukee, WI 

•> Catholic Holy Family Society, Joliet/Belleville, IL 

•> Catholic Ladies of Columbia, Columbus, OH 


Member Societies 2012 

•> Catholic Life Insurance, San Antonio, TX 

•> Catholic Order of Foresters, Naperville, IL 

•> Catholic Union of Texas (The KJT), La Grange, TX 

•> Catholic United Financial, St. Paul, MN 

•> Croatian Fraternal Union of America, Pittsburgh, PA 

•> CSA Fraternal Life, Oak Brook, IL 

•> Degree of Honor Protective Association, Saint Paul, MN 

•> Employes’ Mutual Benefit Association, Milwaukee, WI 

•> Equitable Reserve Association, Neenah, WI 

•> Everence Association, Inc., Goshen, IN 

•> FaithLife Financial, Waterloo, ON 

•> First Catholic Slovak Ladies Association of the USA, 

Beachwood, OH 

•> First Catholic Slovak Union of the USA & Canada, 

Independence, OH 

•> GBU Financial Life, Pittsburgh, PA 

•> Gleaner Life Insurance Society, Adrian, MI 

•> Grand Court Order of Calanthe, Houston, TX 

•> Grand Orange Lodge of British America Benefit Fund, 

Willowdale, ON 

•> Greek Catholic Union of the USA, Beaver, PA 

•> Independent Order of Foresters, Toronto, Ontario, Canada 

•> Knights of Columbus, New Haven, CT 

•> Knights of Peter Claver, Inc., New Orleans, LA 

•> KSKJ Life, American Slovenian Catholic Union, Joliet, IL 

•> Ladies Pennsylvania Slovak Catholic Union, Wilkes Barre, PA 

•> Loyal Christian Benefit Association, Erie, PA 

•> Luso-American Life Insurance Society, Dublin, CA 

•> Modern Woodmen of America, Rock Island, IL 

•> National Catholic Society of Foresters, Mount Prospect, IL 

•> National Mutual Benefit, Madison, WI 

•> National Slovak Society of the USA, McMurray, PA 

•> Order of the Sons of Hermann in the State of Texas, 

San Antonio, TX 

•> The Order of United Commercial Travelers of America, 

Columbus, OH 

•> Police and Firemen’s Insurance Association, Carmel, IN 

•> Polish Falcons of America, Pittsburgh, PA 

•> Polish National Alliance of the United States of North 

America, Chicago, IL 

•> Polish National Union of America, Scranton, PA 

•> Polish Roman Catholic Union of America, Chicago, IL 

•> Polish Union of the U.S. of N.A., Wilkes Barre, PA 

•> Polish Women’s Alliance of America, Chicago, IL 

•> Portuguese Fraternal Society of America, San Leandro, CA 

•> Providence Association of Ukrainian Catholics in America, 

Philadelphia, PA 

•> Royal Neighbors of America, Rock Island, IL 

•> Russian Brotherhood Organization of the USA, Philadelphia, PA 

•> Serb National Federation, Pittsburgh, PA 

•> Slovak Catholic Sokol, Passaic, NJ 

•> Slovak Gymnastic Union Sokol of the USA, East Orange, NJ 



•> Slovene National Benefit Society, Imperial, PA 

•> Sons of Norway, Minneapolis, MN 

•> Sons of Scotland Benevolent Association, Toronto, ON 

•> SPJST, Temple, TX 

•> Supreme Council of the Royal Arcanum, Boston, MA 

•> Teachers Life Insurance Society, Toronto, ON 

•> Thrivent Financial for Lutherans, Minneapolis, 

MN/Appleton, WI 

•> Toronto Police Widows and Orphans Fund, Willowdale, ON 

•> The Travelers Protective Association of America, St. Louis, MO 

•> Ukrainian Fraternal Society of Canada, Winnipeg, MB 

•> Ukrainian National Association, Inc., Parsippany, NJ 

•> United Transportation Union Insurance Association, North 

Olmsted, OH 

•> Western Catholic Union, Quincy, IL 

•> Western Fraternal Life Association, Cedar Rapids, IA 

•> Woman’s Life Insurance Society, Port Huron, MI 

•> Woodmen of the World and/or Assured Life Association, 

Greenwood Village, CO 

•> Woodmen of the World/Omaha Woodmen Life Insurance 

Society, Omaha, NE 

•> WSA Fraternal Life, Westminster, CO 

ASSOCIATE MEMBERS 

AFFILIATES 

•> AAM (Insurance Investment Management), Chicago, IL 

•> Advantus Capital Management, Inc., St. Paul, MN 

•> Allen Bailey and Associates, Inc., Austin, TX 

•> AmeriWest Holding Company, Largo, FL 

•> AQS Asset Management, LLC, Austin, TX 

•> ARAG Group, Des Moines, IA 

•> Ascensus, Brainerd, MN 

•> askFamily Wellness, Maple Grove, MN 

•> Athene Life Re Ltd., Pembroke, BM 

•> The Berwyn Group, Beachwood, OH 

•> Bruce & Bruce Company/Bruce & DePersis, Lake Bluff, IL 

•> BTC Capital Management, Cedar Rapids, IA 

•> CalSurance Associates, Division of Brown & Brown Program 

Insurance Services, Inc., Orange, CA 

•> Competiscan, Chicago, IL 

•> Conning Asset Management Company, Hartford, CT 

•> CPS Actuaries, Stamford, CT 

•> Diversified Growth Solutions, LLC, Scottsdale, AZ 

•> Ed Carroll and Associates, Woodworth, LA 

•> Everest Funeral Package, LLC, Houston, TX 

•> EXL LifePRO, Indianapolis, IN 

•> Griffith, Ballard and Company, Cedar Rapids, IA 

•> Guggenheim Life & Annuity Company, Indianapolis, IN 

•> Heidorn Consulting, Inc., Schiller Park, IL 

•> Heritage Labs International, LLC, Olathe, KS 

•> illustrate, inc, Etobicoke, ON 



•> Interactive Intelligence, Indianapolis, IN 

•> Inter-Company Marketing Group (ICMG), Ashburn, VA 

•> International Cooperative and Mutual Insurance Federation, 

Cheshire, UK 

•> International Cooperative and Mutual Insurance 

Federation/Americas, McClean, VA 

•> International Scholarship & Tuition Services, Inc., Nashville, TN 

•> Johnson Lambert & Co. LLP, Arlington Heights, IL 

•> Kaplan Financial Education, La Crosse, WI 

•> The Karis Group, Austin, TX 

•> Leonard, Street and Deinard, P. A., Minneapolis, MN 

•> Life Line Screening, Independence, OH 

•> Management Research Services, Inc., Brookfield, WI 

•> McGladrey LLP, Des Moines, IA 

•> MIB, Inc., Braintree, MA > > > > > > > > > > > 

•> Miller & Newberg, Inc., Overland Park, KS 

•> Newman Long Term Care, Richfield, MN 

•> Optimum Re Insurance Company, Dallas, TX 

•> Parkway Advisors L.L.P., Abilene, TX 

•> Pin Point Computer Systems, L.P., Bedford Heights, OH 

•> Prime Advisors, Inc., Windsor, CT 

•> Problem Solving Enterprises, West Dundee, IL 

•> Reinhart Boerner Van Deuren, Madison, WI 

•> se 2 , Topeka, KS 

•> Steimla & Associates, Naperville, IL 

•> Strohm Ballweg, LLP, Madison, WI 

•> Superior Mobile Insurance Solutions, San Diego, CA 

•> Wellington Management Company, LLP, Boston, MA 

•> Wexford Partners, Inc., Land O Lakes, FL 

FRATERNAL FRIENDS 

•> US Letter Carriers Mutual Benefit Association, Washington, DC 

•> Moose International, Mooseheart, IL 

NON PROFIT PARTNERS 

•> National Military Family Association 

•> Special Olympics Illinois, Normal, IL 

STATE FRATERNAL ALLIANCES 

•> Arizona •> Missouri •> West Virginia 

•> Arkansas •> Nebraska •> Wisconsin 

•> California •> New England 

•> Chesapeake •> New Jersey-New York 

•> Florida •> North Dakota 

•> Georgia •> Ohio 

•> Illinois •> Pennsylvania 

•> Indiana •> South Carolina 

•> Iowa •> South Dakota 

•> Kansas •> Tennessee 

•> Louisiana •> Texas 

•> Michigan •> Virginia 

•> Minnesota •> Washington 


Sponsor Listing 

“THANK YOU” TO OUR AMERICAN FRATERNAL 

ALLIANCE ANNUAL MEETING SPONSORS 

On behalf of our member societies and state fraternal alliances, 

the Alliance would like to thank our sponsors for their support 

and contributions to the 201 2 Annual Meeting. 

Their generosity enhances the experience of all fraternalists 

who attend the Annual Meeting. Contributing to your trade 

association is a direct contribution to the future of fraternalism 

and to excellence within the fraternal benefit system. 

The Alliance thanks our Platinum sponsor: 

McGladrey 

400 Locust Street 

Suite 640 

Des Moines, IA 50309 

(515) 558-6600 

www.mcgladrey.com 

jon.harris@rsmi.com 

When you trust the advice you’re getting, you know your 

next move is the right move. That’s what you can expect from 

McGladrey. We’re the fifth largest accounting, tax and business 

consulting firm in the nation and we’re focused on serving 

fraternal insurance companies nationwide. Understanding your 

industry is more than just a marketing credential at McGladrey 

— it’s central to our client service approach. 

The Alliance is proud to acknowledge the following 

Gold sponsors: 

Allen Bailey & Associates, Inc. 

8310-1 Capital of Texas Hwy North, #370 

Austin, TX 78731 

(877) 228-4440 

www.allenbailey.com 

kgravely@allenbailey.com 

Since 1 987, the actuarial consulting firm of Allen Bailey & 

Associates, Inc. has specialized in helping fraternals enhance 

their product portfolios to attract new members. We also assist 

our clients with financial reporting, strategic alternatives, 

compliance, experience analysis, illustration software, etc. We 

pride ourselves on providing timely value-added services. Please 

contact Allen Bailey (abailey@allenbailey.com), Kirk Gravely 

(kgravely@allenbailey.com) or Tom Pyle (tpyle@allenbailey.com) 

to provide more information on our services or to answer any 

questions you may have. Or, you may call us toll-free at 

877/228-4440. We also invite you to visit our website at 

www.allenbailey.com. 

Visit the Sponsor Salon in the Grand Ballroom 

Foyer to learn more about our sponsors. 



Miller & Newberg, Inc. 

8717 W. 110th Street, Suite 530 

Overland Park, KS 66210 

(913) 393-2522 

www.miller-newberg.com 

eric@miller-newberg.com; lori.newberg@miller-newberg.com 

Miller & Newberg is a full-service actuarial consulting firm. Our 

work with fraternal benefit societies began in 1 984 and has 

grown over the years to include numerous Alliance member 

societies. We serve many roles for our clients, including that of 

marketing actuary, valuation actuary, and financial actuary. We 

focus on advocating your interests while adhering to professional 

codes and standards of practice. We do so by first understanding 

the goals of your organization, and ultimately, by working 

creatively with your management team and board of directors to 

achieve those goals. 

Parkway Advisors, L.P 

6550 Directors Parkway 

Abilene, TX 79606 

(325) 795-2111 

www.parkwayadvisors.com 

theron.holladay@parkwayadvisors.com 

Every fraternal insurer is unique and therefore, tailored 

investment programs are imperative. Parkway provides a line of 

customized services in asset management, investment 

accounting & reporting, and investment consulting. Parkway 

understands statutory accounting, fraternal specific liabilities 

and insurance regulation. This allows us to focus on 

enhancements to net investment income and surplus and 

control risk through diversification as it relates to surplus and 

by structuring assets that are appropriate based upon the 

clients’ products. Our motto is “to be the best, most respected 

provider of service to the insurance industry” and we work 

diligently to put relationships first. Our success is best 

measured by our relationships and performance. If you are 

considering tailored and cost-effective investment services, 

then we encourage you to contact us for a consultation and free 

portfolio review. 

Prime Advisors, Inc 

22635 NE Marketplace Drive, Suite 160 

Redmond, WA 98053 

(425) 202-2000 

www.primeadvisors.com 

Patrick.Tuohy@PrimeAdvisors.com 

A federally registered investment advisory firm managing fixed 

income bond portfolios for the insurance industry, we create 

customized investment strategies that link our client’s financial 

goals with current capital market opportunities to either 

maximize investment results or create enough yield spread for 

products to be competitive. Our experienced team can develop 



unique client-focused solutions integrating investment 

strategies with the complex operations of an insurance 

company or fraternal benefit society. Ranked a top 1 5 money 

manager in 2009 by Insurance Asset Manager. 

Problem Solving Enterprises (PSE) 

35W841 Burr Oak Lane 

West Dundee, IL 60118 

(847) 551-1600 

www.problemsolvingenterprises.com 

chuck@myactuary.com 

PSE can solve your problems! We are life/annuity actuaries, 

compliance specialists and custom software developers. Ask us 

why fraternals should look at longevity insurance! Do you need 

creative marketing/software tools? Let’s discuss our new mobile 

web-based NAIC compliant illustration system. Would you like 

40+ state product approvals in 40 days or less? Our compliance 

team can accelerate your state filings using the Interstate 

Compact. Are your IT projects backlogged? We can develop 

supplemental administrative tools in all areas including policy 

issue, policyholder service, 7702 administration, variable product 

support or valuation. Let us customize a solution for you. 

se 2 

5801 SW 6th Avenue 

Topeka, KS 66636 

(785) 438-3350 

www.se2.com 

tom.spencer@se2.com 

se 2 offers a full range of end-to-end business processing 

solutions, hosted technology solutions and consulting services 

tailored for life and annuity insurance companies. se2 offers 

state-of-the-art insurance technology to modernize your 

administration tools, optimize your administration 

environment, lower your operating costs, and reduce overall 

risk. These benefits allow fraternals to use their capital to serve 

and grow their membership. For the first 60 of our nearly 120 

years we operated as a fraternal, The Knights and Ladies of 

Security.Our award-winning technology is run by insurance 

professionals for open blocks, closed blocks and new products. 

For more information, please visit www.se2.com. 




Silver Sponsors: 


Ascensus 

PO Box 979 

Brainerd, MN 56401 

(800) 346-3860 

www.ascensus.com 

Kevin.boyles@ascensus.com 

With more than 30 years of industry experience, Ascensus 

delivers high quality solutions for every segment of the IRA and 

retirement plan marketplace. Ascensus currently services over 

8,500 financial institutions nationwide, providing training, 

compliance and operational support, documents and technology. 

askFamily Wellness 

11921 85th Place North 

Maple Grove, MN 55369 

(866) 312-9466 

www.askAFS.com 

bschaitberger@askAFS.com 

askFamily Wellness can bring some of the timeliest benefits to 

your society members, providing benefits to millions of members 

through a wide variety of sponsors, including : EAPs, fraternal 

societies, unions and discount membership programs throughout 

North America. A total member Wellness Benefit will: 

• Increase value, improve retention and satisfaction 

• Provide practical solutions to members’ financial, health and 

legal needs 

• Complement other insurance and financial service products 

• Provide distribution sources with a “value-added” selling point 

• Affordable… preferred American Fraternal Alliance pricing 

• Support your fraternal’s mission/purpose 

BTC Capital Management 

221 3rd Avenue SE, Suite 150 

Cedar Rapids, IA 52401 

(319) 541-2713 

www.btccapitalmgmt.com 

brolland@btccapitalmgmt.com 

BTC Capital Management is a registered investment advisor 

that effectively partners with fraternal insurance companies to 

provide investment management services. We utilize a highly 

disciplined, fundamentally based and risk aware approach in 

managing our client portfolios. Our investment philosophy is 

rooted in four primary tenets: 

• Preservation of capital in difficult markets 

• Investment decisions based on fundamentals 

• Long-term market view 

• Risk-aware portfolio construction 



CalSurance 

Brown & Brown of California, Inc. 

dba CalSurance Associates 

1500 Washington Street, #11A 

Hoboken, NJ 07030 

(201) 526-4628 

www.CalSurance.com 

mgerace@calsurance.com 

Brown & Brown, Inc. dba CalSurance is proud to be the 

endorsed broker for the Alliance member insurance programs, 

including Agents’ E& O, D& O, ODL, EPLI, Fiduciary, Professional 

Liability and FI Bonds. We are the seventh largest independent 

insurance intermediary in the nation. We take pride in offering 

our clients the depth and power of our insurance knowledge as a 

recognized industry leader while still providing the personal 

touch of a smaller organization. 

illustrate inc 

10 Four Seasons Place, Suite 500 

Etobicoke, ON M9B 6H7 

(416) 626-6230 

illustrateinc.com 

jay.stevens@illustrateinc.com 

illustrate inc has significant expertise in illustration and pointof-sales 

systems used in the insurance and financial services 

sector. illustrate inc has grown steadily as a result of its hard 

focus on addressing industry need for efficiency, effectiveness 

and speed to market. With the latest release of its OPUS 

platform featuring True Engine Architecture, we continue to be 

the industry leader in developing state of the art solutions to 

meet the demanding technology challenges of today and 

tomorrow. Our 201 2 release of the OPUS Connect solution will 

be the industry’s first cost-effective software-as-a-service 

solution for all fraternal organizations. 


1345 River Bend Drive, Suite 100 

Dallas, TX 75247 

214-528-2020 

www.optimumre.com 

gary.bedwell@optimumre.com; 

john.cook@optimumre.com 

Optimum Re Insurance Company, rated A- excellent AM Best, 

is an affiliate of the Optimum Group and provides reinsurance in 

the United States and the Caribbean. We are committed to the 

small and midsize company market and are a leader in the 

fraternal market. We offer competitive pricing, full underwriting 

and claim services including online underwriting manuals, 

research and development, special risk management reporting 

for large cases and individual record keeping administration 

systems for life, ADB and critical illness products. 



999 Fourier Drive, Suite 101 

Madison, WI 53717 

(608) 821-0600 

www.strohmballweg.com 

gstrohm@strohmballweg.com 

Strohm Ballweg is an accounting and consulting firm serving 

only insurance entities. Strohm Ballweg is in the top 1 0 on A.M. 

Best’s list of top audit firms serving the insurance industry. We 

provide traditional services such as audits, review, compilations 

and tax compliance, and provide consulting services for insurers 

through our SB Solutions offerings such as investment 

accounting, regulatory filing assistance, litigation support and 

staff co-sourcing. We have conducted seminars and designed 

training programs tailored to the needs of insurance personnel 

and boards. 

Wellington Management Company, LLP 

280 Congress Street 

Boston, MA 02210 

(617) 951-5898 

www.wellington.com 

apaone@wellington.com 

An independent private partnership founded in 1 928 whose 

sole business is investment management for institutional clients 

located around the globe. As of June 30, 201 2, assets under 

management totaled US$720 billion. The firm’s investment 

expertise spans the global equity, fixed income, currency, and 

commodity markets. Wellington Management’s US$87 billion of 

assets under management for insurance general account clients 

makes the firm one of the world’s largest insurance asset 

managers. The firm’s insurance group of 38 professionals works 

with 1 1 6 insurance company clients in 1 8 countries. We offer 

ALM, DFA, STAT/GAAP/TAX, rating/regulatory assistance, 

asset allocation and custom benchmarking. Insurance client 

assets are invested using 53 of the firm’s various investment 

approaches involving all major asset classes. We regularly 

develop customized investment solutions in response to client 

requests and market opportunities. 

Bronze Sponsors: 


AAM – Insurance Investment Management 

30 N. LaSalle Street, Suite 3500 

Chicago, IL 60602 

(312) 263-2900 

www.aamcompany.com 

greg.curran@aamcompany.com 

AAM manages $1 6 billion in assets for insurance companies. 

Services include investment grade and high yield portfolio 

management and focused management of specialized asset 



classes. AAM’s expertise in insurance company operations, lines 

of insurance, products, liabilities, statutory and regulatory 

requirements, and insurance company accounting issues provides 

support in key areas, including investment accounting, cash flow 

testing, SRQ preparation, annuity pricing, and dynamic ALM. 

AQS Asset Management, LLC 

5806 Mesa Boulevard, Suite 220 


(512) 314-0713 

www.aqsllc.com 

larry.white@aqsllc.com 

AQS Asset Management is an SEC registered investment 

advisor exclusively serving insurance companies. More than 

just a portfolio manager, AQS assumes an active role in the 

financial performance of our client. 

Performance – Experience – Results 

Vested in your success 

Bruce and Bruce Company 

916 Sherwood Drive 

Lake Bluff, IL 60044 

(847) 295-6200 


1910 Cochran Road 

Manor Oak Two, Suite 980 

Pittsburgh, PA 15220 

(412) 343-7077 

info@endepersis.com 

Actuarial consulting firm serving fraternal benefit societies 

for over fifty years. Consulting actuaries to more fraternal 

clients than any other actuarial consulting firm. Client asset 

size ranges from $1 ,000,000 - $800,000,000 plus. Eight of the 

top thirty fraternals, assets-wise, are clients of Bruce and Bruce 

Company. 

Ed Carroll and Associates 

125 Dogwood Pass 

Woodworth, LA 71485 

(318) 473-0436 

www.EdCarrollandAssociates.com 

ECarr125@aol.com 

Ed Carroll & Associates has provided marketing of life 

insurance, annuities and Medicare Supplements for fraternals 

since 1 998. This includes development of strategic business 

and marketing strategies, outsourcing services and coinsurance 

for societies to reduce operations cost and supplement surplus, 

due diligence assistance, and helping societies partner with 

independent marketing organizations. 





Guggenheim Life and Annuity Company 

401 Pennsylvania Parkway 

Suite 300 

Indianapolis, IN 46280 

(312) 401-4467 

www.guggenheimpartners.com 

peter.wilson@guggenheimpartners.com 

We serve individuals and institutional clients with a range of 

services including insurance coverage, reinsurance, asset 

management, and capital sourcing. We deliver superior client 

service, objective advice, and customized solutions 

demonstrating an advanced appreciation for risk management. 

We offer solutions tailored to your needs through reinsurance, 

management, investment expertise, and prudent counsel. The 

goal of Guggenheim Life and Annuity Company is to treat its 

clients as partners. 

Interactive Intelligence 

7601 Interactive Way 

Indianapolis, IN 46278 

(317) 715-8148 

www.inin.com 

cindy.herrington@inin.com 

We offer integrated contact center, content management 

and business process automation solutions that increase 

customer service. With the ability to integrate with existing 

administration systems, the company’s communications 

software suite eliminates the cost and complexity of multiple 

systems and provides a single view of all customer 

interactions. We offer an open, standards-based, all-in-one 

IP communications software suite which can be deployed as 

an on-premise or cloud-based solution that improves agent 

and policyholder service. 

International Scholarship and Tuition Services, Inc. (ISTS) 

1321 Murfreesboro Road, Suite 800 

Nashville, TN 37217 

(507) 934-2174 

www.applyISTS.com 

ewilner@applyISTS.com 

We are the premier provider of scholarship, grant and 

tuition program management services. Our comprehensive 

portfolio of services includes application processing, applicant 

communication, winner selection and notification, funds 

disbursement, data management and program promotions. 

We provide custom solutions for fraternal benefit societies of 

all sizes, including The Independent Order of Foresters and 

FaithLife Financial. 



The Karis Group 

3755 S. Capital of Texas Highway 

Suite 240 


(512) 828-8136 

www.thekarisgroup.com 

mmartin@thekarisgroup.com 

The Karis Group is focused on providing meaningful 

fraternal benefits to fraternal organizations and their members 

that provide solutions for addressing the challenges members 

face due to financial gaps in health insurance coverage, or the 

lack of coverage, and high out-of-pocket medical expenses. 

These benefits provide member loyalty and retention and 

product differentiation in a crowded marketplace. 

Newman Long Term Care 

6636 Cedar Avenue S., Suite 100 

Richfield, MN 55423 

(612) 454-4413 

www.newmanltc.com 

lorig@newmanltc.com 

For more than 20 years, we’ve been one of the nation’s 

premier resources for long term care insurance. We offer 

individual and multi-life plans from most of the industry’s top 

carriers. Producers can work with us through our brokerage 

channel or team with one of our specialists to do joint case 

work. Long term care insurance is All We Do! 

Superior Mobile Insurance Solutions, 

A Division of Superior Mobile Medics 

3838 Camino Del Rio N, Suite 250 

San Diego, CA 92108 

(619) 500-6536 

www.superiormobilemedics.com 

lluther@superiormobilemedics.com 

Superior Mobile Insurance Solutions is a mobile paramedical 

exam company with a unique business model that offers 

customers nationwide exam coverage from our central service 

center. We have proudly offered true-home office support, 

personal Account Rep access, and efficient and direct 

communication with our network of independent contractors. 

We continually strive to exceed expectations while providing 

solutions that ultimately improve the quality of peoples’ lives 

and others around them. 




Meeting Bags 

Management Research Services, Inc. (MRS) 

19035 W. Capitol Drive 

Suite 200 

Brookfield, WI 53045 

(800) 726-3643 

www.mrswi.com 

corky@mrswi.com 

MRS is a service provider to the life and health underwriting 

industry. We provide APS retrieval, telephone interviews, point 

of sales interviews, outsourced underwriting, mRx searches, 

MIB searches, MVR searches and credit reports. We also 

provide the mrsPipeline, an automated underwriting workflow 

system offered as a Software as a Service (SaS). 

Lanyards 

Optimum Re (see sponsor listing on page 58) 

Masks/Beads Sponsor 

Strohm Ballweg, LLP (see sponsor listing on page 59) 

Come visit the National Association 

of Insurance and Financial Advisors 

in the Sponsor Salon. 

Learn about NAIFA and other insurance 

industry organizations near the Alliance 

Fraternal Strategic Services area. 



Alliance Information 


ANTITRUST GUIDELINES 

The American Fraternal Alliance is an association of fraternal 

benefit societies organized to promote the general welfare of the 

fraternal benefit system and its individual members by uniting 

societies in matters of mutual concern and interest. Its aim is to 

promote unity and understanding among member-societies. 

The Alliance is not intended to, and may not, play any role in 

business decisions of its member societies. No agreements, 

express or implied, will be authorized, sanctioned or permitted 

which restrict the individual member-society’s freedom to make 

independent business decisions. 

Through its annual meetings, sections meetings, committee 

meetings and other activities, Alliance brings together officers 

and employees of societies which may in a broad sense 

occasionally be in competition for members. While Alliance 

activities are principally educational, the Alliance Board of 

Directors recognizes the possibility that the association and its 

activities could be seen by some as an opportunity for 

anticompetitive conduct. The Board unequivocally opposes any 

act, omission or communication which has a tendency to 

restrict competition within the fraternal benefit system. The 

Board further states its uncompromising support for the 

principles of competition and freedom of economic decisionmaking 

embodied in the antitrust laws of the United States. 

It is the responsibility of every participant in Alliance 

activities to avoid the appearance of anticompetitive conduct 

and otherwise act in strict compliance with the antitrust laws of 

the United States and its individual states. Problems and issues 

may be discussed; statistics and information designed to inform 

members may be shared. However, no polls should be taken and 

no agreements should be reached, express or implied, 

suggesting a particular course of action regarding the day-to-day 

business affairs of individual fraternal benefit societies. 

Premium formulas, agent commissions and coverage exclusions 

are subjects that must be approached with particular sensitivity 

and caution. In general, every effort should be made to promote 

individual decision-making on all matters involving the business 

affairs of individual member-societies. 


The American Fraternal Alliance headquarters office is staffed 

by experienced professionals committed to serving the 

membership. The headquarters team is available to offer 

assistance to member-societies, state fraternal alliances and 

leaders in the fraternal benefit system. From the headquarters 

office in suburban Chicago, staff members provide information, 

implement programs and represent members’ interests. 

AMERICAN FRATERNAL ALLIANCE STAFF 

Joseph J. Annotti, President & CEO 

Allison H. Koppel, Executive Vice President 

Rose Andrikos, Director, Public Affairs 

Melanie Hinds, Director, Advocacy and Public Policy 

Karen Hollenbeck, Accountant 

Andrea Litewski, Executive Administrator 

Alice McGregor, Manager, Public Affairs 

Linda McLaughlin, Director, Business Operations 

Terr y Whipple, Manager, Information Technology 


JOIN HANDS DAY 

1301 West 22nd Street, Suite 700 

Oak Brook, IL 60523 

Info@FraternalAlliance.org 

actioncenter@joinhandsday.org 

Phone: (630) 522-6322 Fax: (630) 522-6326 

www.FraternalAlliance.org www.joinhandsday.org 

On May 5, 201 2, thousands of individuals came together in 

communities across America for the eleventh annual JOIN 

HANDS DAY. Youths and adults, seniors and children — 

fraternal benefit society members and non-members — 

mobilized in their own neighborhoods to solve problems and 

build new relationships. People of all ages began to understand 

the value in youths and adults working together. Many heard 

about fraternal benefit societies for the first time because of 

JOIN HANDS DAY and they were impressed. Remember the 

first Saturday in May as the day when generations unite to 

improve their communities. 

It starts with you — it starts with me — it starts with us! 

FUTURE EVENTS 

JOIN HANDS DAY May 4, 2013 

Alliance Information 

2013 Annual Meeting 2014 Annual Meeting 

September 5-7, 2013 September 4-6, 2014 

The Westin Diplomat Resort & Spa Hilton Austin 

Hollywood, Florida Austin, TX 

2015 Annual Meeting 

September 10-12, 2015 

JW Marriott Indianapolis 

Indianapolis, IN 


Alliance Board of Directors 

2011-2012 ALLIANCE BOARD OF DIRECTORS 

Board of Directors 

Alliance Directors 

Chair of the Board 

•> Stuart B. Buchanan, FLMI 

High Secretary-Treasurer/CFO, Catholic Order 

of Foresters 

Vice Chair 

•> Joseph Gadbois, FLMI, ACS 

Vice President-Fraternal Outreach, Catholic 

Financial Life 

Secretary-Treasurer 

•> James R. Stoker 

National Secretary/Treasurer, CEO, 

GBU Financial Life 

•> Harald E. Borrmann 

Senior Vice President 

and Secretary- 

Treasurer, Catholic 

United Financial 

•> Darcy G. Callas 

FLMI, ALHC, Director 

& General Counsel, 

Modern Woodmen 

of America 

•> Kasia Czarski 

Senior VP, Chief 

Membership & Marketing 

Officer, The Independent 


•> David C. Gautsche 

Senior Vice President of 

Products and Services, 

Everence Association, Inc. 

•> Pamela J. Hernandez 

Exec.VP, Operations and 

Secretary, Woodmen of the 

World/ Omaha Woodmen 

Life Insurance Society 

•> Charles Maurer 

Supreme Secretary, 

Knights of Columbus 

•> William B. McKinney 

Vice President Marketing 

Development, Thrivent 

Financial for Lutherans 

•> Melvin L. Rambo 

FSA, MAAA, President 

and CEO, Equitable 

Reserve Association 

•> Howard (Jim) Wolfe 

President, Western 

Fraternal Life 

Association 

•> Karen Bjerland 

Canadian Section 

Representative, 

President & CEO, 

FaithLife Financial 


W e h a v e t h e t o o l s 

Prime 

Advi sors, 

Inc. 

For 

over 

20 years, 

we have applieda disciplined approach to 

creating customized investm 

e ent strategies for our 

cl ients. 

Our 

knowle 

d dgeable, 

experienced 

investment 

profess 

ion ionals 

develop 

unique 

solutions 

for insur an ance 

companies 

and 

fraternal benefit soci 

e eties. 

For more information 

contact 

Patrick 

Tuohy 

a t (86 0) 331-3050 

Patrick. 

Tuoh 

y y@ 

pr primeadvisors. 

com 

www.prime 

ad advisors.com 

Prime 

Advi 

vi sors, 

Inc. 

® 

22635 

NE 

Marketplace 

Drive, 

Suite 

1 6 60, Redmond, 

Washington 

98053-5885 

100 

Northfield 

Drive, 

4th 

Floor, 

W Windsor, Connecticut 

06095-4729 

®

Save The Dates! 

2013 Fraternal Alliance Annual Meeting 

The Westin Diplomat Resort & Spa 

Hollywood, FL 

September 5-7, 2013

Power comes from being understood. SM 

Our challenge is to provide our fraternal clients with the 

insights they need to make critical business decisions. We 

meet this challenge by developing a deep understanding 

of their industry, values, needs and opportunities. Then we 

transform those insights into results-oriented, practical 

solutions to help them accomplish their goals. 

your next move is the right move. That’s what you can expect 

from McGladrey. That’s the power of being understood. 

For more information about our services, contact 

Jim Greisch at 402.344.6104, or email him at 

jim.greisch@mcgladrey.com. 

Experience the power 

Go to www.mcgladrey.com 

Assurance 

Tax Consulting 

© 2012 McGladrey LLP. All Rights Reserved.

2012 Alliance Program Book - American Fraternal Alliance

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