NAIFA Names Jason Carter, LUTCF, the 2016 Young Advisors Team Leader of the Year

May 31st, 2016, Comments Off on NAIFA Names Jason Carter, LUTCF, the 2016 Young Advisors Team Leader of the Year.

NAIFA – Texarkana Member is the Seventh Recipient of the Award

2016 YAT Leader of the Year Jason Carter

2016 YAT Leader of the Year Jason Carter

The National Association of Insurance and Financial Advisors (NAIFA) has named Jason Carter, LUTCF, the 2016 Young Advisors Team Leader of the Year. Jason, 38, is owner and president of Jason Carter Companies, comprised of Carter Insurance and Financial Services, J.E. Carter Consulting, and The Fire Up Factory. He is the current 2015-2016 NAIFA-Arkansas president-elect.

“It is always a pleasure to see successful young advisors like Jason Carter providing strong leadership within our association,” said NAIFA President Jules Gaudreau, ChFC, CIC. “It shows that Jason is a dedicated professional, committed to the wellbeing of his clients and the success of his colleagues in the industry. Congratulations to him on this well-deserved honor.”

The Young Advisors Team (YAT), a NAIFA program established in 2001, provides networking and educational programs for advisors who are age 40 or under or who have been in the business for less than five years.

The YAT Leader of the Year Award recognizes an advisor’s commitment to NAIFA, including service on local, state, and national committees and participation in the Leadership in Life Institute (LILI); involvement with state or federal legislative efforts; participation in external service work, such as charities; and an ability to inspire others.

Jason is the current president-elect of NAIFA-Arkansas and has served in several positions with NAIFA-Arkansas, including secretary, membership chair, YAT chair, and board member. He has also served as president, membership chair, APIC chair, and IFAPAC chair for NAIFA-Texarkana and as a committee member on NAIFA National’s Young Advisors Team.

In addition to his service to NAIFA, Jason serves as a youth leader and advisor through his work with Trail Life USA and The American Heritage Girls. He is a board member and secretary for Texarkana Museums System, a Rotary Club member, a spokesperson for Healing Helpers Anti Drug Coalition and is involved with the Hampton Church of Christ. In 2012, Jason was awarded the President of the United States Call to Service Award for National and Community Service.

Jason founded Carter Insurance & Financial Services, a multiline brokerage firm, over a decade ago. His other endeavors consist of J.E. Carter Consulting, a strategic planning and practice management group operating nationwide, as well as his speakers bureau, The Fire UP Factory.

As the YAT Leader of the Year, Jason will be recognized during the NAIFA 2016 Performance + Purpose Conference in Las Vegas, September 17-19.

For more information on NAIFA’s Young Advisors Team, visit

NAIFA President: Elmination of commission payments in health insurance market ‘unfair’

March 17th, 2016, Comments Off on NAIFA President: Elmination of commission payments in health insurance market ‘unfair’.

Dear NAIFA member,

NAIFA strongly opposes recent decisions to reduce or eliminate commission payments to advisors on health insurance policies sold in the individual market. Decisions to cease commission payments on individual market policies sold after a certain date are ostensibly made to manage the costs of administering some health plans. These decisions are ill-advised, short-sighted and unfair.

Ultimately, the elimination of commissions will cause great harm to consumers, as it will adversely impact consumer access to professionally licensed and trained financial advisors at a crucial time when selecting and purchasing health insurance coverage is more complex than ever. Consumers will be left without the assistance of an experienced, licensed, trusted, and knowledgeable advisor to help them through the process of selecting and purchasing the right health insurance plan.

Eliminating commissions ignores the absolutely critical role of the advisor. Advisors help consumers navigate the complicated health insurance requirements under federal and state laws. Advisors also assist consumers in explaining the benefits of available health plans, evaluating and enrolling in health plans, and filing claims. Moreover, advisors provide personalized advice to their clients throughout the life of their policies.

It is critical that advisors be fairly compensated for their work when they help clients enroll in health insurance coverage to protect their families. The commission earned compensates advisors for the sale of a vital product and for providing valuable services to their clients. If advisors are not compensated for their services, many will not be able to provide these valuable functions to best serve their clients’ needs. Worse, without being compensated, some advisors may simply be forced to forgo selling health policies in the individual market, possibly leaving consumers without any guidance from a licensed advisor.

Advisors cannot be expected to provide services free of charge. It is imperative that commission levels are maintained for the benefit of both consumers and advisors and harmful decisions to reduce or eliminate commissions must be reversed.

Jules O. Gaudreau, Jr., ChFC, CIC