ARKANSAS a OKLAHOMA

ATIONALLY workers' compensation insurers experienced their worst results ever last year. As a total industry insurance companies lost almost M billion on workers' compensation insurance. In spite of this national trend. Arkansas and Oklahoma dealers participating in the MLA Workers' Compensation Savings Pool earned a cash dividend.

For over 30 years, the association has been able to return a hard dollar cash dividend to the dealers who have placed their workers' compensation insurance with it. In addition to the cash dividends recently distributed, over 282 dealers received "up front" deviations off published rates and in most cases that added up to an additional l59o cash savings. As a result of the recent poor performance by most workers' compensation programs many insurance companies have discontinued their deviations.

The MLA program still offers participating dealers a deviation plus the savings pool. Dealers with premiums in excess of $5,00 also received a further 9.590 premium discount at policy inception.

Nationa.l reports indicate that the MLA program was one of the few association programs able to return a cash dividend for 1984. The actual cash disbursement was possible only because nearly every dealer individually and collectively supported sound loss prevention measures for his employees. Fewer losses mean higher dividends. With over $1,000,00 in premiums, dealers are afforded safety in numbers. Even if a firm suffers a single shock loss, they still receive a portion of the dividend eamed by the pool.

The association is interested in seeing your businesses thrive and continue. One way to make this possible is by providing fair and reasonable insurance products. When the losses are not great, it makes sense to reward the participants who try to run safe and profitable yards.

In Arkansas and Oklahoma. we endorse lf you want to be included in our program, call us or tell your MLA field representative the next time he is in your yard, so we can contacl you :ls soon as possible. lf your insurance company is not offering the potential return available througfr our progriln, you are paying too much for your insurance. The same potential and lower prices are possible on property and casualty and group health plans as well.

Lumbermen's Underwriting Alliance and work closely with them because it is our belief that no other insurance company knows your business better than they do. They're experts in the lumber field and their policies are geared toward your business.