ISSUE SPECIAL ELECTION INSIDER UPDATE. Winter f e. I n s u r a n c e. i t t e e. C o m m. P o l. i o n A c t. i t. i c a

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1 i c a i t t e e L i f e C o m m i o n A c t i t I n s u r a n c e P o L I P A C INSIDER UPDATE Winter 2016 SPECIAL ELECTION ISSUE

2 Legisative Races Wi Be Part of Epic Eection Year Whie most of voter attention wi be focused at the top of the baot in 2016, Texas egisative races wi aso hod some intrigue as factiona battes within the Repubican Party wi highight state egisative races. Since 2003, Repubicans have controed the Texas Legisature, and they are amost certain to continue doing so in 2017 but the question dominating this year s egisative races is which faction of the Repubican Party wi be in contro. Most of the egisative contests for both parties wi be decided in the March 1 primaries, with a number of House races, incuding hoty contested races, pitting the estabishment wing of the Repubican Party against Tea Party -supported candidates. There wi be at east 18 new members of the Texas Legisature when the 85th state egisative session convenes in January of When that tota is combined with the new members from the previous two sessions, approximatey two-thirds of the House of Representatives and haf of the Senate wi have been eected since The high turnover of egisators in such a short period of time and the broad range of issues they are expected to address heightens the importance of TALHI s ongoing outreach to educate poicy makers on key insurance issues. It aso underscores the importance of LIPAC s efforts to support those candidates who wi be fair and open-minded in working with the industry.

3 As in recent years, the upcoming March primaries wi resut in yet another sizeabe turnover among egisative members. Some of the turnover incudes ongtime Repubican and Democratic members. In the House, 16 members are not seeking re-eection in the 2016 primary. In the Senate, two Repubican members are not seeking re-eection. Whie 16 retiring House members guarantee at east that same number of freshman members, there are many incumbents seeking re-eection to the House who have attracted chaengers. House members wi have chaengers in 25 primary races, wi have 33 genera eection opponents, and 15 members wi have both primary and genera eection opposition. There are 61 incumbents who have no major party opposition in their reeection. Interestingy, Speaker Joe Straus (R) has aso drawn two primary opponents in his re-eection race, which is at the forefront of the estabishment/tea Party batte. Five senators have chaengers in either the primary or genera eection, but none are expected to ose. In a recent deveopment, Sen. Rodney Eis (D-Houston) has announced that he wi seek the Harris County commissioner seat, which became vacant due to the unexpected death of ongtime incumbent E Franco Lee. Eis is unopposed for re-eection to the Senate, so if he is successfu in becoming county commissioner, a specia eection wi be hed to eect his Senate repacement. Since 2003, Repubicans have controed both the Texas House and Senate. During the 84th Legisature, Repubicans hed 98 seats in the House, whie Democrats hed 52 seats. The Texas Senate consisted of 20 Repubicans and 11 Democrats. Turnover in the 84th Legisature incuded 29 new members in the Texas House and Senate, putting the Repubicans on the edge of having a supermajority of members. The 2016 eections wi determine whether they obtain the supermajority eve of egisative dominance.

4 LIPAC supports the foowing Texas egisators who understand the insurance industry and have demonstrated a wiingness to be open-minded in working for a fair and competitive insurance market. TEXAS SENATE - MEMBER Sen. Key Hancock (R-North Richand His) Sen. Larry Tayor (R-Friendswood) Sen. Jane Neson (R-Fower Mound) Sen. Kirk Watson (D-Austin) Sen. Brandon Creighton (R-Conroe) Sen. Jose Menendez (D-San Antonio) NOTES Chair, Business & Commerce Committee Member, Business & Commerce Committee Chair, Finance Committee Member, Business & Commerce Committee Member, Economic Deveopment Committee Vice Chair, Business & Commerce Committee Fair and open-minded egisator who understands the industry. Faces tough reeection campaign. TEXAS HOUSE OF REPRESENTATIVES MEMBER Speaker Joe Straus (R-San Antonio) Rep. John Fruo (R-Lubbock) Rep. Kenneth Sheets (R-Arington) Rep. Bobby Guerra (D-McAen) Rep. Morgan Meyer (R-Daas) Rep. Dennis Pau (R-Webster) Rep. John Smithee (R-Amario) Rep. Senfronia Thompson (D-Houston) Rep. Todd Hunter (R-Corpus Christi) Rep. Doug Mier (R-New Braunfes) Rep. Mike Schofied (R-Houston) Rep. Wayne Faircoth (R-Gaveston) Rep. Ed Thompson (R-Pearand) Rep. Poncho Nevarez (D-Eage Pass) Rep. Chris Turner (D-Granbury) Rep. John Zerwas (R-Richmond) NOTES Fair eader for House of Representatives facing tough reeection campaign. Chair, House Insurance Committee Member, Insurance Committee Member, Insurance Committee Member, Insurance Committee Member, Insurance Committee Fair and open-minded egisator who is knowedgeabe about industry. Chair, Loca and Consent Committee Chair, House Caendars Committee Member, House Appropriations Committee. Is insurance agent. Fair and open-minded egisator who spoke at 2015 Round Up. Fair and open-minded egisator who spoke at 2015 Round Up. Is insurance agent. Fair and open-minded egisator who is knowedgeabe about industry. Is insurance agent. Fair and open-minded egisator who is interested in insurance issues. Fair and open-minded egisator who is interested in insurance issues. Member, Caendars Committee. Knowedgeabe on industry issues and has worked with TALHI on heath insurance egisation

5 LEGISLATIVE SESSION NEW HOUSE MEMBERS NEW SENATE MEMBERS 84th Legisature rd Legisature nd Legisature 35 2 TOTAL TURNOVER (SINCE 2011) IMPORTANT POLITICAL EVENTS DATE Texas Primary March 1, 2016 Primary Runoff Eection - Texas May 24, 2016 Texas Repubican Convention Texas Democratic Convention Repubican Nationa Convention Democratic Nationa Convention May 12-14, Daas June 17-19, San Antonio June 18-21, Ceveand Juy 25-28, Phiadephia 2016 Genera Eection November 8, th Texas Legisature Opens January 10, 2017

6 i c a Let s Make It 100 Percent C o m m i o n i t t e e A c t L i f e i t I n s u r a n c e P o L I P A C For amost four decades, the Life Insurance Poitica Action Committee has served as the voice of our industry in the state s eection process. Through its efforts, LIPAC has heped TALHI buid strong reationships with the eaders whose decisions shape the ife and heath insurance market in Texas. Whie growing support from TALHI members has aowed us to increase LIPAC contributions during recent eection cyces, broader participation from the membership wi aow us to achieve even greater impact for the industry. With this in mind, the LIPAC Committee is chaenging TALHI members to hep the organization achieve 100 percent participation. Doing so wi not ony enhance TALHI s abiity to effectivey represent your company in Austin, but wi aso ensure that the coective infuence of our industry is fet in the eection process. If you re a LIPAC contributor, thank you. Your past contributions have heped strengthen LIPAC s impact and heightened TALHI s profie. Your continued support is critica and we woud ask that you consider increasing your contribution by at east 10 percent. If you re not a contributor, our abiity to achieve tota participation is in your hands. A $200 contribution is a great start and you might consider asking four of your coeagues to do the same to hep your company quaify for the LIPAC Incentive Program. If you have questions on how you or your company can contribute, see the information incuded in this newsetter or contact Jennifer Cawey. Pease hep us achieve 100 percent participation. A we-funded LIPAC refects the strength and unity of our industry whie increasing TALHI s abiity to work for your company in Austin. By supporting candidates who understand our industry and its investment in Texas, we can hep eect individuas who wi be fair and open-minded as we share with them our priorities and concerns. I hope you wi hep us achieve our goa of 100 percent participation.

7 2015 LIPAC Contributors 100% AFLAC AIG Astate American Fideity Group American Nationa Insurance Company Americo Group American Memoria Life Insurance Company Best Life & Heath Insurance Company Bue Cross and Bue Shied of Texas Centra Security Life Insurance Company Centra States Group Coonia Life Insurance Co. of Texas Conseco Insurance Group Croy-Ha Management, Inc. Funera Directors Life Insurance Company Genworth Germania Life Insurance Co. Government Personne Mutua Life Insurance Company Guardian Life Insurance Company HCC Life Insurance Company Kemper Corporation/Reiabe Life Landmark Life Insurance Company MetLife Mutua of Omaha Group Nationa Farm Life Insurance Company Nationa Life Group Nationa Teachers Associates Life Insurance Company Nationa Western Life Insurance Company Nationwide New Era Life Insurance Company New York Life Group Pacific Life Insurance Company Primerica Prudentia Southern Farm Bureau Group State Farm Insurance TIAA-Cref SWBC Life Insurance Company Trustmark Companies United Benefits, Inc. UnitedHeath Group USAA Life Insurance Company Zurich Insurance Group 2015

8 Life Insurance Poitica Action Committee (LIPAC) Today, LIPAC consists of two funds: TALHI LIPAC Candidate Fund For contributions to state candidates. Ony funds from individuas or company PACs (state or federa) may be deposited into this fund. Corporate contributions may not be made to state candidates in Texas. Reguated by the Texas Ethics Commission. TALHI LIPAC Administrative Fund For corporate contributions that may be used to raise funds for LIPAC. This fund cannot be used for contributions to candidates. Reguated by the Texas Ethics Commission. LIPAC INCENTIVE PROGRAM There s no amount too sma but the LIPAC Incentive Program rewards generous donors with access to key poitica information of interest to the industry and invitations to specia LIPAC events, incuding the annua LIPAC Leadership Dinner at Round Up. Incentive eves may be attained with singe or combined contributions to the TALHI LIPAC Candidate Fund, TALHI LIPAC Administrative Fund or through participation in LIPAC bunding fundraisers. LIPAC INCENTIVE LEVELS Leve Company PAC/Bunding Events/Administrative Regent $5000 Supporter $2500 Friend $1000 The incentives avaiabe to LIPAC contributors that meet one of the recommended eves incude: Automatic membership on the LIPAC Committee (Regent ony) Invitation to LIPAC Dinner during Round Up Regent Leve company ogos dispayed as hosts Supporter Leve company names isted as supporters Recognition as LIPAC sponsor in a TALHI event materias LIPAC INNER CIRCLE: Additiona recognition for those companies contributing PAC or persona contributions of at east $1000 to the TALHI LIPAC Candidate Fund.

9 i c a Life Insurance Poitica Action Committee (LIPAC) Why shoud I contribute to LIPAC? Through its campaign contributions, LIPAC heps TALHI buid strong reationships with eaders who are shaping the pubic poicy that governs our state and industry. Combining LIPAC contributions with the organization s advocacy efforts strengthens TALHI s abiity to ensure the voice of its members are heard on issues important to maintaining a strong and viabe ife and heath insurance market in Texas. I give directy to egisators. Why shoud I give to LIPAC? Whie persona contributions and direct giving by company PACs to egisators is certainy encouraged, donating to LIPAC ampifies the industry s voice by enabing arger donations to the poitica candidates who understand our issues. Bunding persona and company PAC contributions with LIPAC contributions is another way to support LIPAC. My company doesn t have a PAC. How can we contribute? There are many ways to contribute to LIPAC without forming your own poitica action committee (PAC) incuding payro deductions for your empoyees that can go directy to LIPAC, company contributions to the TALHI LIPAC Administrative Fund, and company sponsored fundraising events for LIPAC. Persona checks written to LIPAC can be used for contributions to candidates from the LIPAC Candidate Fund. Severa companies that do not have PACs ask executives in the company to write persona checks directy to LIPAC. LIPAC aso has an Administrative Fund that can accept corporate contributions. This money is used to pay for fundraising activities, such as TALHI s annua LIPAC gof tournament, but cannot be used to make contributions to candidates. We re happy to discuss these and other options with you. For more information contact Jennifer Cawey at jcawey@tahi.com. How are LIPAC contributions determined? Decisions regarding poitica contributions are made by the association s LIPAC Committee. LIPAC s contribution strategy favors candidates who serve in eadership roes and on key committees. However, LIPAC aso supports candidates who may not serve in a eadership capacity or on a committee of reevant jurisdiction but who are sensitive to the important roe the industry pays in the state s economy and in the ives of Texans. HOW TO CONTRIBUTE TO LIPAC: Does your company have a PAC? YES NO C o m m i o n i t t e e A c t Write a check to: TALHI LIPAC Candidate Fund Individua contribution by persona check or credit card Individua contributions raised at a corporate event Corporate check Check to TALHI LIPAC Administrative Fund L i f e i t I n s u r a n c e P o L I P A C

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