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Kristy Diefenbaugh President First State Agency

Angela Envick

Lori Gartner

LUTCF® LUTCF® President Elect National Committeeman Central Benefits Group Wells Fargo Advisors, LLC®

Kim Triplett

Cory Kruse

Thomas J. Bosshardt

Secretary/Treasurer Triplett Insurance Options

Past-President State Farm Insurance & Financial Services®

FIC® Board Member Thrivent Financial for Lutherans®

Gene Beerbohm LUTCF® Principal Financial Group®


NAIFA Bryan Holen

Robert Haller

Principal Financial Group®

CLU®, LUTCF® Executive Insurance Associates


Your most important asset is not your home, your car, your jewelry or other possessions. It’s your ability to earn a living. Think about it: All of your plans for the future—from buying a home, to putting your kids through college, to building a retirement nest egg—are based on the assumption you’ll continue to earn a paycheck until you retire. But what would happen if those paychecks stopped? That’s where disability insurance comes in. It provides an income to you and your family if you are unable to work because of illness or injury. Though disability is behind a significant number of home foreclosures and personal bankruptcies, insuring against it has not been a high priority for most workers because many assume they’re already covered through Social Security, state-mandated Workers’ Compensation or employer-provided group plans. However, there are numerous holes in this safety net of coverage. Know that about 45% of those who initially apply for disability benefits through Social Security are initially denied, and those who are approved get an average benefit of just $1,063 monthly—hardly enough to replace the average worker’s income. Workers’ Compensation covers only work-related disabilities, but according to the National Safety Council, 73% of disabling accidents and illnesses aren’t work-related. And what about coverage through work? It’s a great employee benefit, but it’s not available to many workers. According to the U.S. Department of Labor, more than 70% of employers do not offer long-term disability coverage. So what’s a worker to do? Explore your options and learn more about disability insurance. May is Disability Insurance Awareness Month (DIAM), the perfect time for a disability insurance “reality check.” Take this opportunity to make sure you’d be OK financially in the event that a disability keeps you out of work for an extended period of time.

Tim Shada

Margaret Stubbs

Vincent Christensen

Michael DeBoer

LUTCF Shada Insurance Services

FIC® Ohio National Life Insurance Company®

Christensen Agency



Barry Johnson

John Keeney

FLMI® Ameritas Group Insurance®

Principal Financial Group®

Jeff Cornelius

Rick Smith

First Financial Services

Jim Krason ®

LUTCF J.E. Agency, Inc. & American Family Insurance®

LUTCF® Board Member Farm Bureau Financial Services®

Dennis Amstuz CLU , ChFC , LUTCF® Ohio National Life Insurance Company® ®


Ohio National Life Insurance Company®

Kay E. Georgiana

Robert Issacson

MSFS®, LUTCF® Principal Financial Group®

AAI® Lundeen-Issacson Insurance

Kara Grauerholz

Michael Wilken

Lela D. Ladd Agency American Family Insurance®

State Farm Insurance and Financial Services ®


Kimberly Snavely

Jim Whitesel

Lela Ladd

State Farm Insurance & Financial Services®

John Roschewski Farm Bureau Financial Services®

Twin Rivers Insurance Group

Corey Schmidt Physician’s Mutual

Rick M. Brehmer Farm Bureau Financial Services®

Debra Sindt FIC® Thrivent Financial®

David Hunt

Deon Fiene

Randall Jensen

Shelter Insurance®

Principal Financial Group®

Principal Financial Group®

Sheila Tringe

Randy Skala

Roger White

Mutual of Omaha®

Brian Blakely

White & Associates Financial Services

Blakely Insurance Services

LUTCF® Principal Financial Group®

Additional Members: Gary Barth, Barth Financial; Rick Trampe, Farm Bureau Financial Services; James and Stephanie Clang, New York Life Insurance Co.; Scott Driver, Horace Mann; Ed Duryea, Farm Bureau Financial Services; Richard Fuerst, AFLAC; David A. Chally, Barney Insurance Co.; Brian Magiera, American Family Life Insurance Co.; Travis Duryea, Farm Bureau Financial Services; John A. Gustafson, John Gustafson & Assoc., LLC; Alan and Sharon Cover, AFLAC; Michael Ross, AXA Advisors; Jeannie Steinbrink, Central Benefits Group; Erin Philbrick, Erin Philbrick Agency; Lona Ferguson, AFLAC; Bruce Hendrickson, Principal Financial Group (Ret.); Ray & Donna Bunnell, Farm Bureau Financial Services; Kirk Armstrong, Colonial Life; Kent Holl, Holl Insurance Agency, Inc.; Liz Lawrence, American Family Life Insurance Co.; Todd W. Jensen, Principal Financial Group; Phil Hinrichs, Farm Bureau Financial Services; Stan Weander, Blue Cross and Blue Shield; Bruce Kruse, Central Financial Services; Tasha Aschwege, Aschwege Shelter Ins.; Ron Mallam, Ohio National Life Insurance Co.; Jeffrey R. Morgan, Morgan & Associates, Inc.; Michael Meyer, Guardian; Scott Nachtigal, Princeton Equity Partners; Matt Pawloski, State Farm Insurance; Brent Custer, Shelter Insurance; Ryan Urkoski, New York Life; Boyd Damme, BKD Insurance & Financial, Inc.; Doug Brummels, Affiliated Brokers Insurance; Don Snyder, Farm Bureau Financial Services; Greg Duryea, Farm Bureau Financial Services; Paul Stec, Farmers Insurance Group; Patricia Schoone, Pat’s Insurance Center; Tracy Pritchard, Ellerbrock-Norris Insurance; Natalie Rickel, The Pinnacle Agency; Rex Sindt, Colonial Life; Richard Peters, Rich Peter’s Agency, Inc.; Terry Buskirk, Securities America; Donna Cahill, Donna Cahill Ins. Agency; Jane Duda, American Family Insurance


John Keeney David Hunt Lela D. Ladd Agency American Family Insurance ® CLU ® , ChFC ® , LUTCF ® Ohio National Life Insurance Company ® Bryan...