NAIFA-Jacksonville Jax Advisors Online Membership Newsletter


Happy Holidays from the NAIFA-Jacksonville Board of Directors!   Happy Holidays from the NAIFA-Jacksonville Board of Directors!


OFFICIAL FAMILY:  Click HERE for NAIFA-Jacksonville's Officers and Board of Directors


Christopher Veenstra




President's Humor
Christopher E. Veenstra 

Twas the Night before the House Voted

Twas the night before the vote, when all through the house
No Agent was stirring, not even a mouse.
The stockings were hung by the chimney with care,
In hopes that NAIFA would still be there.

The agents were nestled all snug in their beds,
With visions of commissions dancing in their heads.
And mamma in her ‘P-Jays, and I in my shorts,
We just settled down to read the insurance reports.

When out on the east lawn there arose such a clatter,
I sprang from the bed to see what was the matter.

The moon on the breast of the new-fallen snow
Gave the luster of mid-day to objects below.

When, what to my wondering ears should I hear,
But a miniature President, and 435 of his peers.

With a little shout, so lively and quick,
I knew in a moment it must be Obama and not St Nick.

More rapid than eagles his coursers they came,
And he whistled, and shouted, and called them by name!

"Now Nancy! now, Daniel! now, Hilary and Tim!
On, Robert! On, Erik!, on Tom and Ken!

To the top of the porch! to the top of the hill!
I wish they would say go pass all NAIFA’s Bills!

And then, in a twinkling, I heard on the roof
The prancing and pawing of Nancy’s hoofs.
As I drew in my head, and was turning around,
Down the chimney Obama came down.

He was dressed in his garb, from his head to his foot,
And his clothes were all tarnished with ashes and soot.
A bundle of Bills he had flung on his back,
And he looked like a peddler, just opening his pack.

His eyes-how they twinkled! his dimples how merry!
His cheeks were like roses, his nose like a cherry!
With stiches on his mouth drawn up like a bow,
And a beard on his chin that was as white as the snow.

The butt of a cigarette he held tight in his teeth,
And the smoke it encircled his head like a wreath.
He had a narrow face and a little belly,
That shook when he laughed, like a bowlful of jelly!

He was tall and lanky, a right jolly young elf,
And I laughed when I saw him, in spite of myself!
A look in his eye and the wrinkles on his head,
Soon gave me to know I had a lot to dread.

He spoke about Health Care while he was at work,
And filled all our heads, then turned with a jerk.
And laying his finger aside of his nose,
And giving a snort, up the chimney he rose!

He sprang to his perch, to his team gave a whistle,
And in a way they all knew NAIFA blew it’s whistle.
But I heard him exclaim, ‘ere he drove out of sight,
"Happy Holidays to all, and to all a good-night!"

Kind Regards...







Happy Holidays!
Click HERE for information on our upcoming 2011 Membership Events! .



NAIFA-Jacksonville 9th Annual Golf Tournament

Click HERE for Highlights from Monday, November 8, 2010!

Many thanks go out to all who participated in our 2010 NAIFA-JACKSONVILLE GOLF TOURNAMENT at The Golf Club At South Hampton. We raised almost $4,000 at this event. A great deal of fun was had by all, but a special thanks go out to the Committee: Chairman Chris Harclerode, Margie Harner, Cindi Cook, and Alicia Burst.

Parks Stallings (MassMutual) won $100 for the putting contest. APPS Paramedical Services purchased the Hole-In-One Insurance for $10,000 cash. As you might recall at last year's tournament, Bill Grant (National Financial Resources) made a Hole In One and was the recipient of a Bose radio system.

First place winners were (again!) The New York LIfe Agency. Congratulations!


Check out our Facebook page for more highlights!  CLICK HERE!.


NAIFA-Jacksonville 40-Hour Prelicensing Course
Available Live and Online! Click HERE for complete details! .


JAN. 7-10,  FEB. 18-21,  MARCH 18-21,  APRIL 8-11,  MAY 13-16,  JUNE 10-13, 
JULY 8-11,  AUG. 12-15,  SEPT. 9-12,  OCT. 7-10,  NOV. 11-14,  DEC. 9-12

NAIFA-Jacksonville 40-Hour Prelicensing Course

Approved by the Dept. of Fin. Svcs., Course ID #38274. Check for more information.


Michael Schlueter

40-Hour Prelicensing Course Update
Michael Schlueter, NAIFA-Jacksonville Secretary/Treasurer .

The other day we had a wonderful and highly productive meeting regarding the future of our 40-Hour Prelicensing Course. I wish to thank all those in attendance. Several new ideas were exchanged that you will soon hear about. As we look to 2011, please be aware that we offer this tremendous course every month and at a terrific price. We are proud to acknowledge that we have had a very high success rate with our students passing the state exam following completion of our course.

Our biggest challenge facing our course today is making sure that we have sufficient students to conduct the class. The board has agreed that we must have 6 committed students registered for the class or the class will be canceled. Another challenge is that of finding qualified instructors willing to teach our course. If you are an area manager, please encourage the use of our course for your new hires and help us identify future instructors for our course.

If you have questions regarding becoming an instructor please feel free to call Cherri Coombs Ohmer our Association Executive in the NAIFA Jacksonville office (904) 695-2300. She is our school official and can work with you on getting approved with the Department of Financial Services.

As we approach the end of the year, I wanted to take this moment to wish each and every one of you a very Happy Holiday season and a prosperous New Year! As always, thank you for allowing me to be your Secretary/Treasurer.


Cheryl Canzanella

YAT Road Trip to attend "Day On The Hill"
By Cheryl Canzanella  .

YAT is taking social networking to a whole new level! 

YAT (Young Advisors Team) invites YOU to join us Monday, March 14th for our 1st Official YAT Road Trip to attend NAIFA-Florida's Legislative Day on the Hill in Tallahassee. We will rent the van and provide the driver so you can relax, unwind, and most of all socialize. Meet influential people in our industry, make new friends, discover new business opportunities and expand your business prospects and contacts.

YAT Road Trip to attend Day On The Hill

Legislative Day on the Hill is your opportunity to participate first-hand in the political process. Not only will you have the opportunity to see dozens of our lawmakers and regulators at work, but you will also have the opportunity to mingle with them to underscore the importance of insurance and financial services professionals in the marketing and sales of insurance and financial products. Come meet the people who affect your business!

This is a chance for your voice to be heard!  Whether at the Capitol in Tallahassee or on Capitol Hill in Washington, NAIFA works tirelessly to protect the careers and business environment of our members! Legislative and regulatory advocacy is one of the most important benefits NAIFA offers its members. There is strength in numbers and our numbers are heard clearly in Tallahassee by members of the House of Representatives, the Senate, the Governor's office, and the Department of Financial Services.

Check our website at for the latest updates!

For more information, contact Lesa Steinberg at, or Cheryl Canzanella, YAT Co-Chair, at 904-924-6375 or

The mission of the Young Advisors Team (YAT) is to SOW the value of membership with new and young advisors, so they are empowered to SURVIVE their first years in the business, to GROW into involved NAIFA members and become successful advisors who THRIVE in the industry and our association. If you're under the age of 40, or if you're a member in your first 5 years of business, you're already a YAT member! For more information on the benefits and programs offered to NAIFA's YAT members, please visit

Young Advisors Team


Gene Bryant

What’s In It For Me?
Gene Bryant, NAIFA-Jacksonville Membership Chair  .

Often, before any commitment is made to accept a task, the question is asked “What’s in it for me?” That’s a good question and we all need to know the answer. Since NAIFA-Jacksonville is a volunteer organization, we need to remind ourselves of that question. What’s in it for me?

My first reply is: What are you expecting from NAIFA-Jacksonville? Just as important, my second reply is: What are you willing to give in order to get what you’re expecting? 

Our NAIFA Weekly Connections published an article on November 15, 2010, Get involved… Volunteer!  Most of the following comments are based on that article, which I encourage you to read. It leads you to many other questions, i.e.,

1. If I have the power to make a positive difference in my professional world, what would I do?
2. If I could influence the future of my profession, how would I do it?
3. What am I willing to do in order to develop my leadership skills?
4. What kind of influence am I for my peers?
5. How can I help develop a strong network of contacts?
6. Where can I get new ideas or express my ideas to others?
7. How can I learn to sell my ideas?
8. How can I use my skills and talents to address issues facing my business?

According to the writer of that article, answers can be developed by volunteering to do something to get involved.
When I read the solution, it sounds too easy to be true. It reminds me of my favorite question: How did you sell so much Life Insurance? The standard answer is, “Just ask everyone.” What? Ask them what? Tell me more… don’t leave me hanging.

Not wanting to leave you hanging, our Membership Committee: Cheryl Canzanella, Jon Castle, Cindi Cook, Margie Harner outlined several opportunities for you to investigate and determine what’s in it for you.

For those of you who are computer savvy, we need you to work with Constant Contact System; we need a second you to manage email campaigns; our third you is needed for our Facebook site; a fourth you is needed for our LinkedIn site. For the not-so computer savvy, we need our fifth you for Sponsorship Rewards Program; our sixth you is needed to set up Face-to-Face meetings or lunch with members (Touch 5); our seventh you will call Branch Managers; while our eighth you helps make Agency Presentations; and, finally we need several of you to call members. Just like Uncle Sam says, “We need YOU!”

We aren’t looking for one of you to do everything. However, we are looking for all of you to do something, anything, a thing. And, at the end of the day, we can all smile and know beyond a shadow of doubt, what’s in it for me… by the measure of what I am willing to give, in order to get.

Here’s my “hot-line”, personal cell phone number for you: (904) 610-4823. Please use it to volunteer for any opportunity shown above, or call for more information.

On behalf of the Membership Committee, we all wish you a happy, safe holiday season and a prosperous year in 2011!

Gene Bryant


NAIFA e-newsletter

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NAIFA NEWS: Click HERE for the latest news headlines
from the National Association of Insurance and Financial Advisors.  . 

Visit for the latest news and updates. 


Click HERE for a comprehensive guide to all of the benefits enjoyed by NAIFA members!  . 


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Thank You to NAIFA-Jacksonville's IFAPAC Contributors!
(  JANUARY 1, 2010  -  NOVEMBER 23, 2010  )    .   


Dennis Axman, CLU, ChFC, AEP, CFP
Gene Bryant
Alicia S. Burst
Cherri Coombs-Ohmer, LUTCF
Wayne Cooksey
Cornelius J. Cronin
Paul Cummins
James DeLay
Craig A. Dewhurst
Vicki Dickert
Todd Gicalone
Michael Halloran
Margie Harner
J. Lloyd Henderson
Garland S. Hudson, CLU
Maureen A. Kirschhofer, CLU, ChFC
Lynn E. Kleck
Joseph J. Maltese, CFP, ChFC, CLU, LUTCF
Emmett W. Mankin, LUTCF, CFP
Robert D. Markwalter, II
Joe McGhee
Clay McRae
Kyle P. Mooney
Van Mullinax
James F. Register Jr.
Michael P. Saunders, CLU
Michael Schlueter
Kathleen A. Scott
Robert Warren Tison, LUTCF
Christopher E. Veenstra
Timothy L. Von Ebers, CLU, ChFC
Ron Weaver
Gary L. Webster, LUTCF
Robert A. Zeiner




The Insurance and Financial Advisors Political Action Committee (IFAPAC) is a term used to describe collectively the PAC sponsored by NAIFA at the federal level and the PACs sponsored by each state association. Each PAC is a fund that supports the campaigns of candidates for public office who understand issues important to insurance agents and financial advisors. IFAPAC’s goal is to help the associations advance the legislative and regulatory interests of the members of NAIFA.

Have you made your 2010 PAC contribution?

For more information about IFAPAC and to make contributions securely online, please click HERE. To download a printable IFAPAC contribution form in PDF format, please click HERE.


Robin S. Weinberger, CLU, ChFC, CLTC

Setting the Record Straight on Kramer
Submitted by Robin S. Weinberger, CLU, ChFC, CLTC
and Peter N. Katz, JD, CLU, ChFC

In a recent decision, the New York Court of Appeals ruled that an insured could buy an insurance policy with the intent of transferring the policy to a third party without insurable interest.  Although this ruling is important, there are some who mistakenly believe that the court has somehow endorsed STOLI (Stranger Originated Life Insurance). 

First, here is some background on the case.  Kramer vs. Phoenix, et al., involves a multitude of brokers, insurers, trusts, banks, and investors.  According to the pleadings in the case, around 2005, Mr. Kramer bought several large policies with premiums supplied by investors and immediately transferred these policies to trusts that were set up ultimately for benefit of the investors. 

When Mr. Kramer died a few years later, Mrs. Kramer, his widow, sued the investors and the insurers saying that she is entitled to the death proceeds because the STOLI transactions lacked insurable interest and therefore the transfer of the policies to the trusts was invalid.  The upshot is that Mrs. Kramer, the insurers, the brokers, the investors, and other intermediary parties are all suing each other and cross-claiming and counterclaiming for the death proceeds, rescission of the policies, return of commissions, breach of agent/broker contracts, etc.

Prior to the case coming to trial, the lower court asked the NY Court of Appeals to clarify a single point of New York law: whether intent to immediately transfer a policy could be considered in determining if insurable interest existed at the time the policy was issued.  The appeals court held that the New York law, which is similar to many other states, does not have any intent requirement.  The statute quite clearly automatically gives an insured an insurable interest in their own life and intent is irrelevant.

The case is important because it protects consumers as well as the life settlement industry.  The decision means that a policy owner does not have to worry about the insurance company challenging the validity of an insurance policy based on intent after the insured's death.  Opening up the issue of intent would create uncertainty for beneficiaries and be difficult or impossible to prove.   The ruling means that insurers cannot use intent to resell a policy as an argument to rescind an insurance policy bought by an insured on their own life no matter who they subsequently make the owner or beneficiary.

Some misguided souls have interpreted the case to be an endorsement of STOLI, but that is just NOT accurate.  In 2009, New York enacted a life settlement industry sponsored life settlement law that prohibits the Kramer type transfer of a life insurance policy within two years of issue.  Additionally, the Kramer ruling only applies to a policy originated by the insured himself or herself, not by some third party.  Finally, even if the decision does, in theory, permit an insured to speculate on their own life by buying a policy intending to sell it two years later, such a strategy makes no economic sense.  With the longer life expectancy tables now in use, an insured would have to suffer a very substantial decline in health for the policy to have value as a life settlement after only two years.  Advising a client to speculate that way would be extremely foolhardy.

The Kramer decision upholds the rights of insureds to do what they wish with their insurance policies and prevents undermining the certainty that beneficiaries of life insurance policies should be entitled to.  STOLI, on the other hand, remains dead and that is as it should be.

Jax Advisors Online is a monthly publication of the Jacksonville, FL chapter of the National Association of Insurance and Financial Advisors. Opinions expressed are those of the authors and advertisers and do not necessarily represent those of NAIFA-Jacksonville. 


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NOV 2010, OCT 2010, SEPT 2010, SUMMER 2010, JUNE 2010, MAY 2010, APRIL 2010, MARCH 2010,
FEB 2010
, JAN 2010, DEC 2009, NOV 2009, OCT 2009, SEPT 2009, SUMMER 2009, JUNE 2009,
MAY 2009
, APRIL 2009, MARCH 2009

For the latest NAIFA-Jacksonville news and events, please visit our website at, or contact Association Executive Cherri Coombs-Ohmer, LUTCF
at (904) 695-2300 or email