BYLAWS OF THE CENTRAL FLORIDA ASSOCIATION OF HEALTH UNDERWRITERS
Accepted on April 18, 2017
VIEW PDF – CFAHU Bylaws -approved 041817
ARTICLE I: NAME AND TERRITORIAL LIMITS
Section 1. This organization shall be known as the Central Florida Association of Health
Underwriters, hereinafter referred to as this Association, a non-profit corporation incorporated as
such under the laws of the state of Florida and chartered by the National Association of Health
Underwriters.
Section 2. The territorial limits of this Association shall be confined to Orange, Seminole,
Osceola, Brevard, Volusia and Lake Counties. These shall not be changed unless permission first
has been obtained from the governing bodies of the local association currently having
jurisdiction in such territory, if applicable, and of the Florida State Association of Health
Underwriters and the Board of Trustees of the National Association of Health Underwriters.
ARTICLE II: PURPOSES
Section 1. The objectives of this Association shall be:
To promote the common business interests of those engaged in disability and risk management.
To advance public knowledge for the need and benefit of disability income, health insurance,
and/or Employee Benefit related products.
To promote the adoption and application of high standards of ethical conduct in the health
insurance industry.
To provide and promote a program of continuing education and self-improvement for
Association members.
To increase the knowledge of members concerning the principles, functions and applications of
health insurance, disability income, and/or employee benefit products.
To promote education, legislation, regulation and practices which are in the best interest of the
health insurance industry and the insuring public.
To encourage adequate protection against the hazards of disability as part of a well-rounded
insurance program.
To do such other things and to carry out such other programs so as to further the purposes of the
Association.
Section 2. This Association and its members recognize an obligation to present accurately,
honestly, and completely every fact essential to the client’s decision as expressed in the National
Association of Health Underwriters Code of Ethics which is considered a part of these bylaws.
ARTICLE III: MEMBERSHIP
Section 1. Membership in this Association will be available under the following designations:
Individual Members
Life Members
Associate Members
Section 2. An individual member may be any individual licensed by the Florida Department of
Insurance for the sale of disability income and/or health insurance or related products. Individual
members may also include non-licensed individuals engaged in the distribution of disability
income and/or health insurance or related products such as, but not limited to, home office
personnel and others engaged in the management and distribution of such products. Individual
members who have paid their annual national, state, and local dues will also be referred to as
active members.
Section 3. Life membership may be granted when an active member has been in good standing
for a minimum of ten (10) consecutive years, and has: (1) attained age 65 and retired; or (2)
become disabled. Life members have the same rights and privileges as individual members.
CFAHU dues shall be reduced by fifty (50) percent for such Life members. Life member status
shall be automatically conferred when all qualifications are met and application is made and
verified by the National Association of Health Underwriters.
Section 4. As an active member in good standing, as classified under Article III Section 2, a
member may desire to participate in the activities of additional Chapters within the State. This
member is to be recognized as an Associate Member within additional or secondary Chapters
and will be responsible for dues commiserate with this designation as set forth by the
Association.
ARTICLE IV: NATIONAL AND STATE AFFILIATION
Section 1. This Association agrees to be bound by the bylaws of the State and National
Associations of Health Underwriters as adopted and amended.
Section 2. The Board of Directors shall provide for the prompt review, approval, and forwarding
of all reports required or requested by the State and National Associations of Health
Underwriters.
Section 3. Insofar as possible, this Association shall be represented by its proper delegates, or
their duly appointed alternates, at the annual meeting of the State and National Associations of
Health Underwriters.
ARTICLE V: DUES AND FINANCE
Section 1. Each active member of this Association shall pay local, state and national annual dues.
Such annual dues shall be payable on the first day of the member’s anniversary month as
recorded by the National Association of Health Underwriters. All dues shall be submitted to and
through the National Association of Health Underwriters. Any individual member more than
sixty (60) days in arrears in payment of dues shall be dropped from the rolls as a member in good
standing.
Section 2. The Board of Directors shall determine the amount of annual dues of this Association.
This Association’s dues may only be changed once a year and will be in effect from January 1
through December 31 of each year. Not later than the fifteenth (15th) of September of each year,
or a date specified by the National Association of Health Underwriters, if this Association plans
to increase or decrease its local chapter dues for the following calendar year, the President shall
advise the National Association of Health Underwriters in writing of the Board-approved dues
for the following year.
Section 3. The fiscal year of this Association shall begin on the first day of July of each year.
Section 4. This Association’s books of accounts shall be reviewed and/or audited the Board’s
discretion. The Board of Directors shall name the auditors/reviewers.
Section 5. The Board of Directors shall determine the official depository(ies) for Association
funds and shall designate one or more Board members in addition to the Treasurer to sign or
countersign checks or other documents for the disbursement of such funds.
ARTICLE VI: OFFICERS
Section 1. The officers of this Association shall be: President, President-Elect, Immediate Past
President, First Vice President, Second Vice President, Third Vice President, Fourth Vice
President, Secretary, and Treasurer and, if applicable, a non-voting Association Executive.
Section 2. Each officer, except the Association Executive (if applicable) shall be an active
member of this Association, and the State and National Associations of Health Underwriters.
Section 3. All officers, except the Association Executive (if applicable) shall serve without
compensation.
Section 4. All officers shall take office on the first day of July of each year following their
election, and shall serve for a term of one year.
Section 5. The office of Immediate Past President shall be filled automatically by the outgoing
President. In the event there is no outgoing President, this office shall remain vacant.
Section 6. If the office of the President shall become vacant due to death, disability, resignation,
recall, or removal by due process, the President-Elect shall assume the office for its unexpired
term and the term of President for the succeeding year and the office of President-Elect shall
become vacant until the next regular election. If the office of President becomes vacant and there
is no President-Elect, the order of succession shall be First Vice President, Second Vice
President, Third Vice President, Fourth Vice President, and then Treasurer.
Section 7. If the office of President-Elect shall become vacant due to death, disability,
resignation, recall, or removal by due process, or by succession to the Presidency under Article
VI., Section 6, the President shall appoint a member of this Association in good standing to
fulfill the duties of the office for its unexpired term. The appointment shall be subject to a threefourths
(3/4) vote of approval by the Board of Directors. The office itself shall remain vacant
until the next regular election.
Section 8. If the offices of First Vice President, Second Vice President, Third Vice President,
Fourth Vice President, Secretary, and/or Treasurer become vacant due to death, disability,
resignation, recall, or removal by due process, or by succession under Article VI., Section 6, the
office(s) shall be filled by appointment by the President. The appointment shall be subject to
three-fourths (3/4) vote of approval of the Board of Directors and shall be only for the unexpired
term of the office(s). Appointees shall assume the title and duties of the office(s).
ARTICLE VII: DUTIES OF OFFICERS
Section 1. The duties of the officers shall be as follows:
President: The President shall be the chief elected officer of this Association and shall preside
over all meetings of this Association and the Board of Directors. The President shall be an ex
officio member of all standing and special committees except the Nominations Committee. Upon
completion of his/her term, the President shall assume the office of Immediate Past President.
President-Elect: The President-Elect, in the absence of the President, shall preside at all meetings
of this Association and the Board of Directors and shall perform such other duties as may be
assigned by the President or Board of Directors. The President-Elect shall immediately assume
the office of President when that office becomes vacant by death, disability, resignation, recall or
removal by due process. The President-Elect shall assume the office of the President
immediately following adjournment of the last meeting of the Board of Directors in the year
subsequent to his/her election to the office of President-Elect.
Immediate Past President: The Immediate Past President shall serve as an advisor to the Board of
Directors and perform other duties as assigned by the President or Board of Directors.
First Vice President: The First Vice President in the absence of the President and the President-
Elect shall preside at all meetings of this Association and the Board of Directors and shall
perform such other duties as may be assigned by the President or Board of Directors.
Second Vice President: The Second Vice President in the absence of the President, President-
Elect and First Vice President shall preside at all meetings of this Association and the Board of
Directors and shall perform such other duties as may be assigned by the President or Board of
Directors.
Third Vice President: The Third Vice President in the absence of the President, President-Elect,
First Vice President and Second Vice President shall preside at all meetings of this Association
and the Board of Directors and shall perform such other duties as may be assigned by the
President or Board of Directors.
Fourth Vice President: The Fourth Vice President in the absence of the President, President-
Elect, First Vice President, Second Vice President and Third Vice President shall preside at all
meetings of this Association and the Board of Directors and shall perform such other duties as
may be assigned by the President or Board of Directors.
Secretary: The Secretary shall be responsible for keeping all records of membership, attendance,
membership dues, and minutes of the meetings of this Association and the Board of Directors
and shall perform other duties as may be assigned by the President or Board of Directors.
Treasurer: The Treasurer shall be responsible for receiving all funds and dues paid to this
Association. Dues shall be forwarded to the National Association of Health Underwriters, where
they will be deposited and the local portion remitted back to this Association on a monthly basis.
The Treasurer shall deposit all other funds in this Association’s official depository(ies) and shall
disburse such funds upon the order of the Board of Directors. The accounts and books of the
Treasurer and this Association shall be open at all times for inspection by the President, the
Board of Directors, and any authorized auditors. The Treasurer shall be responsible for the
completion and submission of forms required by laws governing the administration and/or tax
status of this Association.
Association Executive (if applicable): The Association Executive is appointed by the Board of
Directors, for such period, such compensation, and with such authority, duties, facilities, and
assistance as the Board of Directors may determine. The Association Executive shall have no
vote.
ARTICLE VIII: BOARD OF DIRECTORS
Section 1. The Board of Directors shall consist of the officers and 3 elected directors
(Professional Development Chairperson, Membership Chairperson & Legislative Chairperson).
Section 2. Each director shall be an active member of this Association, and the State and
National Associations of Health Underwriters.
Section 3. All directors shall serve without compensation with the exception of the Association
Executive.
Section 4. All directors shall take office on the first day of July of each year following their
election, and shall serve for a term of one year. (See Article VI, Section 4.)
Section 5. The Board of Directors shall determine the policies and activities of this Association,
approve the budget, authorize all expenditures and disbursements, and has the authority and
responsibility to manage this Association’s affairs.
Section 6. The Board of Directors shall meet no less than four (4) times per year or at the call of
the President. The meetings shall be held at such times and places as may be determined by the
President or Board of Directors. A written notice of the time and place of all regular meetings of
the Board of Directors of this Association shall be sent to each member of the Board by the
President not less than thirty (30) days prior to the meeting.
Section 7. The Board of Directors may transact business by mail or electronic means by voting
upon proposals presented to them. Any such proposal shall be adopted if at least two-thirds (2/3)
majority of the entire Board returns affirmative votes. The members of the Board of Directors
shall be advised of the results of such balloting no less than seven (7) days after the vote is
tabulated.
Section 8. A majority of the Board of Directors shall constitute a quorum for the transaction of
business.
Section 9. In the event a director position becomes vacant due to death, disability, resignation,
recall, removal by due process, or by succession under Article VI., Section 6, the position shall
be filled by appointment by the President. The appointment shall be subject to three-fourths (3/4)
vote of approval of the Board of Directors and shall be only for the unexpired term of the
office(s).
ARTICLE IX: NOMINATIONS AND ELECTIONS
Section 1. The election of officers and directors shall be held at the May meeting of this
Association.
Section 2. The Chairperson of the Nominations Committee shall be the Immediate Past President
or the appointee fulfilling the duties of that office for its unexpired term. The Vice-Chairperson
shall be the President-Elect or the appointee fulfilling the duties of that office for its unexpired
term. The Nominations Committee Chairperson will appoint a past CFAHU president to serve at
large. The duties of this committee shall be to solicit and receive nominations and to prepare a
slate of candidates. The Nominations Committee shall have general charge of the election
process including the preparation, distribution, collection and counting of ballots, and reporting
the results.
Section 3. The Nominations Committee shall prepare a ballot containing the names of all
qualified nominees and distribute ballot materials to all active members at least one (1) month
prior to the date of the election. The ballots shall be cast in person at the May meeting.
ARTICLE X: COMMITTEES
Section 1. There shall be the following standing committees:
Awards
Professional Development
Legislative
Membership
Nominations
Public Relations
Programs
PAC
Golf Tournament
Section 2. The President shall appoint the chairs and members of all standing, special, or ad hoc
committees and task forces, subject to the approval of the Board of Directors.
Section 3. The Board of Directors shall establish guidelines for all committees and task forces
regarding usual duties, terms of office, and requirements for reports unless otherwise specified in
these bylaws.
Section 4. The administration of the fiscal affairs of all standing, special, and ad hoc committees
and task forces are vested in the Board of Directors.
ARTICLE XI: RECALL AND REMOVAL FROM OFFICE
Section 1. An officer, member of the Board of Directors, committee member or chair, or task
force member or chair may be removed for malfeasance of office.
Section 2. No elected officer or board member, or appointed committee member or chair, or
appointed task force member or chair may be removed from office without a three-fourths (3/4)
vote of the Board of Directors at any regular or special meeting at which a quorum is present.
Section 3. Notice of recall or removal must be sent by registered mail to the affected individual
advising him/her of the action taken or about to be taken. Removal by due process requires
notification prior to the vote for removal from office. The Board of Directors and/or twenty-five
percent (25%) of this Association’s membership can initiate recall. Recall can only be achieved
by a three-fourths (3/4) vote of the Board of Directors.
Section 4. Failure to achieve the required vote for removal will cause the immediate
reinstatement of the recalled individual to office. Any appointee replacing the recalled officer
shall also immediately be discharged.
Section 5. Any individual member of this Association shall lose all rights and privileges of office
under this Association if his/her license to sell insurance is revoked or if he/she is convicted of a
felony or gross misdemeanor.
ARTICLE XII: PARLIAMENTARY AUTHORITY
Section 1. The current edition of: The Standard Code of Parliamentary Procedure: (Sturgis)
governs this Association in all parliamentary situations that are not provided for in the law or in
its charter, bylaws, or adopted rules.
ARTICLE XIII: AMENDMENTS
Section 1. Amendments to these bylaws may be adopted by a two-thirds (2/3) vote of the active
members of this Association present at any meeting of this Association, provided that written
notice of the meeting and of the proposed amendment(s) shall have been given to the members at
least one month prior to the meeting.
Section 2. At the discretion of The Board, Bylaws may be amended by mail or electronic means.
Any such amendments shall be adopted if at least two-thirds (2/3) majority of the votes are
returned in the affirmative on a timely basis (as defined in the motion for which a vote is being
requested). The membership shall be advised of the results of such balloting no less than seven
(7) days after the vote is tabulated.
ARTICLE XIV: INDEMNIFICATION
Section 1. This Association may, by resolution of the Board of Directors, provide for
indemnification by this Association of any and all of its Directors or officers or former Directors
or officers against expenses actually and necessarily incurred by them in connection with the
defense of any action, suit, or proceeding in which they or any of them are made parties, or a
party, by reason of having been Directors or officers of this Association, except in relation to
matters as to which such Director or officer or former Director or officer shall be adjudged in
such action, suit, or proceeding to be liable for negligence or misconduct in the performance of
duty and to such matters as shall be settled by agreement predicated on the existence of such
liability for negligence or misconduct.
ARTICLE XV: DISSOLUTION
Section 1. Dissolution of this Association requires the passing of a Resolution of Resignation by
a three-fourths (3/4) vote of all active members. The adopted resolution shall be sent by the
Secretary of this Association to the Executive Vice President of the National Association of
Health Underwriters and shall become effective upon acceptance by the Board of Trustees. Upon
acceptance of the Resolution of Resignation by the Board of Trustees, individual members of
this Association shall become active members of the existing local association nearest them in
their state, or their state association, or members-at-large if no other association exists within
their state.
Section 2. This Association, by taking the action to resign, shall surrender all rights to use the
name, emblem, insignia, plate, sign, label or phrase indicative of membership in this Association.
Section 3. This Association’s charter with the National Association of Health Underwriters may
be suspended or revoked in accordance with appropriate sections of the bylaws of the National
Association of Health Underwriters.
Section 4. This Association shall use funds only to accomplish the objectives and purposes
specified in these bylaws and no part of said funds shall inure or be distributed to its members in
the event this Association is dissolved or its charter revoked for cause in violation of the bylaws
of the National Association of Health Underwriters. Immediately upon dissolution or revocation
of its charter, this Association’s Board of Directors shall return all remaining Association funds
to its state association. If there is no state association, the funds shall be sent to the National
Association of Health Underwriters for placement in escrow. Funds placed in escrow will be
distributed in accordance with the procedures outlined in the bylaws of the National Association
of Health Underwriters.
ARTICLE XVI: PREVIOUS BYLAWS SUPERCEDED
Section 1. These bylaws, as revised, supercede all provisions of any previous bylaws of this
Association.