GAMA International Journal Jul-Aug 2013 - 4

International

Journal
GAMA INTERNATIONAL journaL COMMITTEE

2 0 1 3

Chair

Wanda W. Witherspoon, CLU
State Farm Insurance Companies

j u l y / a u g u s t

John E. Brooks, CLF
Resource One Advisors
William J. Cuff, CLU ChFC
The Prudential Insurance Company of America
Jeffrey D. Engebose, CLU ChFC CFP CASL FIC
Thrivent Financial for Lutherans
Greg A. Morabito, CLTC LUTCF
Alpine Brokerage Services

J o u r n a l

Wayne Ogle, CLF
Mutual of Omaha
John A. Ramos, CMFC
Trajectory Consulting
GAMA international headquarters

I N T E R N A T I O N A L

CEO, GAMA International
Jeffrey R. Hughes
jhughes@gamaweb.com
Vice President
Bonnie L. Godsman
bgodsman@gamaweb.com
CEO, GAMA Foundation for
Education and Research
Kathryn L. Kellam
kathryn@gamafoundation.org
gam a international journal staff

G A M A

Editor in Chief
Mary Barnes
mbarnes@gamaweb.com
Senior Editor
Peter Craig
pcraig@gamaweb.com
Advertising Sales
Kathryn Hoch
khoch@gamaweb.com
Creative Services
Design Superette

GAMA INTERNATIONAL executive committee

President

Howard J. Elias
Guardian Life Insurance Company of America
President-Elect

Daralee S. Barbera, CFP CLF CMFC
Waddell & Reed
Vice President

Robert J. Fashano, M.S.F.S., CLU ChFC
Guardian Life Insurance Company of America
Secretary

Timothy P. Schmidt, CLF FIC LUTCF
Thrivent Financial for Lutherans

Volume 37 / No. 4

GAMA International Journal (ISSN 1095-7367),
Volume 37, Number 4. Published bimonthly by GAMA
International, 2901 Telestar Court, Suite 140, Falls
Church, VA 22042-1205, Telephone: 571-499-4300.
Periodical postage is paid at Falls Church, VA, and
additional mailing ofﬁces. Statements of fact and opinion
are the responsibility of the authors and advertisers alone
and do not imply an opinion on the part of the ofﬁcers
or the members of GAMA International. Copyright ©
2013 GAMA International. All rights reserved. Printed
in the United States of America. Materials may not be
reproduced or translated without written permission.
Direct requests for reprint permission to the editor in
chief. POSTMASTER: PLEASE SEND ALL CHANGEOF-ADDRESS FORMS TO GAMA INTERNATIONAL
JOURNAL, 2901 Telestar Court, Suite 140, Falls Church,
VA 22042.

Treasurer

William D. Pollakov, CLU ChFC
MassMutual Financial Group
Immediate Past President

Luis G. Chiappy, CLU ChFC CFP LUTCF
AXA Equitable
GAMA Foundation for Education and
Research Vice Chair

Richard T. Cleary, CLTC LUTCF
John Hancock Financial Network
GAMA INTERNATIONAL DIRECTORS

David E. Ayres, CLU
The Penn Mutual Life Insurance Company
Michael D. Becker, ChFC LUTCF
Mutual of Omaha
Mark A. Bonnett
Securian Financial Group
Lily Fong, M.B.A., CLU ChFC CASL
American General Life Insurance Company
William David Keltner, CLU CLF FIC LUTCF
Modern Woodmen of America
Timothy P. Murray, CLU ChFC
OneAmerica© Financial Partners

Subscription: The rate for GAMA International
members is $45 annually, which is included in
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and further information can be found at gamaweb.com.
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Reprints: Reprints of articles published since January
2004 are available from Reprint Pros. Call 949-7025390 for more information.
Instruction to authors: Please share your expertise
and perspective with us or comment on articles or ideas
covered in recent issues of GAMA International Journal.
To learn more about submitting a story for publication
or to submit a comment, please contact Mary Barnes at
571-499-4317 or mbarnes@gamaweb.com.
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account executive, at 571-499-4323.

Lawrence E. Reelitz, CLF
The Principal Financial Group
Keith Ryniak, CLU LUTCF
American Family Insurance
Wanda W. Witherspoon, CLU
State Farm Insurance Companies

The views expressed in the GAMA International Journal
are those of the authors and are not intended to represent
the views of GAMA International. GAMA International
does not endorse advertisers in the GAMA International
Journal or the advertised products and services.

Building the leaders Who Build the insurance,
investment & Financial services industry

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g a m a i n t e r n at i o n a l j o u r n a l
GAMA International Journal Jul-Aug 2013

Table of Contents for the Digital Edition of GAMA International Journal Jul-Aug 2013
