To: General Agents in New York  
  From: Ryan Sykes, Vice President, UA General Agency Division
Jim Savo - FLMI, Vice President of Operations, General Manager
  Re: Temporary Cease Sales of Final Expense Whole Life and Juvenile Whole Life in New York  
  The National Association of Insurance Commissioners (NAIC) has adopted the 2017 Commissioners Standard Ordinary Mortality Table (2017 CSO) as the minimum requirement for cash value calculations.  
  In order to remain compliant, we are implementing a temporary cease sales of Final Expense Whole Life and Juvenile Whole Life policies in New York, effective December 23, 2019. Applications must be received in the Home Office by Friday, December 20, 2019, and have an effective date prior to December 27, 2019.  
  We anticipate resuming sales of these two products in January.  
Please contact the Home Office in Syracuse at 315-451-7975
or email with any questions.

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