Insured Client Feedback August 14th, 2012

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Weekly Leader Board 8-3-12

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Top General Agents

American Income proudly recognizes the top General Agents for the week based on weekly Net ALP.

We will recognize the top 20 GAs with weekly Net ALP production of more than $10,000.

In addition, we will recognize the top 5 All-Time One-Week Production Leaders, GAs with the highest total weekly Net ALP (as of week ending 7/27/2012).

For the week ending August 3, 2012

Top Supervising Agents

American Income proudly recognizes the top Supervising Agents for the week based on weekly Net ALP.

We will recognize the top 20 SAs with weekly Net ALP production of more than $7,000.

In addition, we will recognize the top 5 All-Time One-Week Production Leaders, SAs with the highest total weekly Net ALP (as of week ending 7/27/2012).

For the week ending August 3, 2012

Top Personal Producing Agents

American Income proudly recognizes the top individual producers for the week based on weekly gross annualized Life premiums

Each Personal Producer that writes more than $4K a week will be recognized on the Weekly Leader Board and receive an Outstanding Performance certificate for their accomplishment!

In addition, we will recognize the top 5 All-Time One-Week Production Leaders (as of week ending 7/13/2012).

For the week ending August 3, 2012

Torchmark to Acquire Family Heritage Life Insurance Company of America

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Torchmark to Acquire
Family Heritage Life Insurance Company of America



MCKINNEY, Texas, Aug. 1, 2012 /PRNewswire/ — Torchmark Corporation (NYSE: TMK) announced today that it has signed a definitive agreement to acquire Family Heritage Life Insurance Company of America (“Family Heritage”), a privately-held supplemental health insurance provider, for approximately $218.5 million, subject to closing adjustments. The transaction will be funded internally with cash from Torchmark’s insurance subsidiaries and is expected to be immediately accretive to earnings per share with minimal impact, if any, on Torchmark’s free cash flow available for stock repurchases or the RBC ratios of the insurance subsidiaries. The transaction is expected to close early in the fourth quarter of 2012.

Founded in 1989 and headquartered in Cleveland, Ohio, Family Heritage is a specialty insurer focused primarily on selling individual supplemental health insurance products with a return-of-premium feature. Family Heritage has approximately 1,200 captive sales agents, 41 sales directors and over 223,000 policies in force. Statutory admitted assets at December 31, 2011 were approximately $488 million, GAAP net income for 2011 was approximately $21 million, and direct premiums written in 2011 were $162 million.

“We are excited about the addition of Family Heritage to the Torchmark family,” said Torchmark co-CEO’s Gary Coleman and Larry Hutchison. “This transaction meets the criteria we established when we began looking at possible acquisitions several years ago. Family Heritage offers protection-oriented insurance to middle income families through a captive agency force that we believe we can help grow. The Company has a track record of solid premium growth and strong underwriting margins with a business plan that incorporates a variable-cost marketing structure. We expect a seamless transition, as we have complete confidence in the Family Heritage management team, agents and employees. We look forward to welcoming all of them to Torchmark.”

Torchmark expects the transaction to add about one to three cents to net operating earnings per share in 2012 and approximately thirteen to seventeen cents per share in 2013.

Torchmark’s financial advisor in the transaction is Wells Fargo Securities; Locke Lord LLP is serving as legal advisor to Torchmark. The financial advisor for the owners of Family Heritage is Willis Capital Markets & Advisory and Peter J. Solomon Company; Sidley Austin LLP is serving as their legal advisor.

About Torchmark

Torchmark Corporation is a holding company specializing in life and supplemental health insurance for “middle income” Americans marketed through multiple distribution channels including direct response, and exclusive and independent agencies. Torchmark has several nationally recognized insurance subsidiaries. Globe Life And Accident is a direct-response provider of life insurance known for its administrative efficiencies. American Income Life provides individual life insurance to working families. Liberty National Life, one of the oldest traditional life insurers in the Southeast, is the largest life insurer in its home state of Alabama. United American is a consumer-oriented provider of supplemental life and health insurance.

About Family Heritage Life Insurance Company of America

Family Heritage is a provider of supplemental health insurance and life insurance products to American families. Founded in 1989, the company specializes in life insurance and cancer, heart disease and stroke and accident insurance products with a return of premium feature. Family Heritage proudly serves over 200,000 American families with a nationwide captive agency force.

Caution Regarding Forward-Looking Statements

This press release may contain forward-looking statements within the meaning of the federal securities laws. These prospective statements reflect management’s current expectations, but are not guarantees of future performance. Accordingly, please refer to Torchmark’s cautionary statement regarding forward-looking statements, and the business environment in which the Company operates, contained in the Company’s Form 10-K for the year ended December 31, 2011, and any subsequent Forms 10-Q on file with the Securities and Exchange Commission and on the Company’s website at http://www.torchmarkcorp.com on the Investor Relations page. Torchmark specifically disclaims any obligation to update or revise any forward-looking statement because of new information, future developments or otherwise.

SOURCE Torchmark Corporation

Eric Giglione – The Daily Locker Room – Reduce Your Stress

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Reduce Your Stress

Have you ever found yourself to be a little over the top when it comes to your stress level? Here are a few tips to help reduce stress.
1- Smile
2- Live in the moment
3- Indulge in having fun
4- Keep things in perspective
5- Watch this video!
Do these things and you’re on your way to living your best life!

Godspeed – Fundraising Exhibition

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Lloyd Agencies Invites you to a fundraising exhibition.

“Catch the vision of God’s creations”
This will start a new noble initiative to help others through the word of our Lord. Part of the raised money will help the family of Nathan Saavedra, Little boy that just received a new kidney.

“July 22nd 2012, 5PM – 8PM Lynfred Winery Wheeling, 971 N Milwaukee Avenue, Wheeling, IL