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TIPS ON VIEWING AND SAVING POLICY DEC PDFSSAVE SOME GREEN WITH DIRECT DEPOSIT OF AGENCY COMMISSIONS50 %Source: Magid Research, August 201772%OF COMMERCIAL DRIVERS SAY THEY HAVE READ A TEXT WHILE DRIVING AND 39% SAY THEY HAVE SENT A TEXT WHILE DRIVING. Our own UFG proprietary research on the commercial driving industry revealed that: WHAT HAS RESEARCH FOUND? Did you know that UFG offers direct deposit on commission checks? With direct deposit, there’s no waiting for your check to arrive in the mail, no waiting in line at the bank and no waiting for your check to clear. Instead, you’ll have immediate access to your commission money—with the ability to withdraw or transfer funds the same day they are deposited. Plus, with direct deposit of your commissions, you can avoid a $10 monthly fee for the processing and mailing of paper commission checks. UFG will begin assessing the $10 monthly fee in 2018, effective on your commission check for the month of January. The insurance industry continues to be impacted by rising auto losses. In addition to our Worth It program, what other steps is UFG taking to make the auto line of business more proftable? Let’s hear from our Executive Vice President and Chief Operating Offcer Mike Wilkins on the subject: “Throughout our regions, UFG is taking a more aggressive approach to the issue of rising auto losses, which will include rate increases on our auto line of business, particularly on marginally performing accounts, as well as the nonrenewal of underperforming accounts. In addition, our risk control representatives will continue to focus their efforts on commercial accounts with a signifcant auto exposure, ensuring that these businesses have acceptable hiring, driver screening, vehicle use and vehicle maintenance policies in place and that they are being enforced. Our new analytics department at UFG also continues to assist us by providing acceptability and pricing guidance on our auto book of business, as well as business intelligence insights to assist underwriters in making better acceptability and pricing decisions. We are confdent that with continued rate increases and our other initiatives, we will return our auto line of business back to our desired level of proftability.”Are the PDFs of policy decs that you receive or download from us too blurry or too large? Are you unable to send them to your customers due to email size limitations? To help you resolve these issues, we’ve created a list of best practices for PDFs, which includes tips such as viewing documents at 100 percent, creating separate documents for each line of business and more. You can review our PDF Best Practices at ufgAgent.com today—fnd it under ufgNews or in the Resource section under Training. ON THE SUBJECTMike Wilkins UFG EVP and COO