BEGIN:VCALENDAR
VERSION:2.0
PRODID:-//NL Insider - ECPv6.15.17.1//NONSGML v1.0//EN
CALSCALE:GREGORIAN
METHOD:PUBLISH
X-WR-CALNAME:NL Insider
X-ORIGINAL-URL:https://insider.nationallife.com
X-WR-CALDESC:Events for NL Insider
REFRESH-INTERVAL;VALUE=DURATION:PT1H
X-Robots-Tag:noindex
X-PUBLISHED-TTL:PT1H
BEGIN:VTIMEZONE
TZID:America/New_York
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20190310T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20191103T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20200308T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20201101T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20210314T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20211107T060000
END:STANDARD
END:VTIMEZONE
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201021T163000
DTEND;TZID=America/New_York:20201021T173000
DTSTAMP:20260404T141746
CREATED:20200924T151135Z
LAST-MODIFIED:20200924T151135Z
UID:10003430-1603297800-1603301400@insider.nationallife.com
SUMMARY:Inforce Illustration Training
DESCRIPTION:Have you ever found yourself in this situation?  You are meeting with your client for a check-up and wish you had an in-force illustration showing them how their current policy is performing?  This webinar will show you how to run an in-force illustration\, so you can be prepared when meeting with your clients.  This session is for any agent with in-force business. \n  \nRegister in advance of this training:
URL:https://insider.nationallife.com/event/inforce-illustration-training-26/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201021T150000
DTEND;TZID=America/New_York:20201021T160000
DTSTAMP:20260404T141746
CREATED:20200924T150918Z
LAST-MODIFIED:20200924T150918Z
UID:10003429-1603292400-1603296000@insider.nationallife.com
SUMMARY:Illustration Designs using IULs (Spanish)
DESCRIPTION:Register in advance of this training:
URL:https://insider.nationallife.com/event/illustration-designs-using-iuls-spanish-15/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201021T103000
DTEND;TZID=America/New_York:20201021T113000
DTSTAMP:20260404T141746
CREATED:20200924T150656Z
LAST-MODIFIED:20200924T150656Z
UID:10003428-1603276200-1603279800@insider.nationallife.com
SUMMARY:Indexed Crediting Strategies: Deep Dive on Indexing
DESCRIPTION:Want to better understand the various crediting strategies for FlexLife and PeakLife?  This Webinar provides an in-depth look at our crediting strategies\, such as how each strategy works and the upside potential associated with them.  The goal of this presentation is to help you make a more informed decision about which strategy to consider for your clients.  This session is for Agents who have a solid understanding of our IUL’s. \n  \nRegister in advance of this training:
URL:https://insider.nationallife.com/event/indexed-crediting-strategies-deep-dive-on-indexing-4/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201020T150000
DTEND;TZID=America/New_York:20201020T160000
DTSTAMP:20260404T141746
CREATED:20200924T150506Z
LAST-MODIFIED:20200924T150506Z
UID:10003427-1603206000-1603209600@insider.nationallife.com
SUMMARY:Field Underwriting 101: Useful Tips for Every Agent
DESCRIPTION:Join the conversation with your National Life Underwriting team.   Understand what your underwriters are looking for as they review your case.  Become a better field underwriter with valuable underwriting tips and have your business processed smoother and quicker\, and have your policies issued faster.  Be a professional and make sure there are no delays. This session is for any Agents who sell life insurance.  \n  \nRegister in advance of this training:
URL:https://insider.nationallife.com/event/field-underwriting-101-useful-tips-for-every-agent-2/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201020T130000
DTEND;TZID=America/New_York:20201020T140000
DTSTAMP:20260404T141746
CREATED:20200923T210214Z
LAST-MODIFIED:20200923T210214Z
UID:10003413-1603198800-1603202400@insider.nationallife.com
SUMMARY:403(b) Playbook
DESCRIPTION:Your road map to find and engage 403(b) plan prospects\, build successful relationships as well as direct links to helpful tools to serve clients and partner with National Life Group. \n  \nRegister in advance of this training:
URL:https://insider.nationallife.com/event/403b-playbook-15/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201019T130000
DTEND;TZID=America/New_York:20201019T140000
DTSTAMP:20260404T141746
CREATED:20200227T220257Z
LAST-MODIFIED:20200227T220257Z
UID:10000788-1603112400-1603116000@insider.nationallife.com
SUMMARY:Introduction to TRAK - National Life Group
DESCRIPTION:Register in advance for this webinar:
URL:https://insider.nationallife.com/event/introduction-to-trak-national-life-group-4/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201019T103000
DTEND;TZID=America/New_York:20201019T113000
DTSTAMP:20260404T141746
CREATED:20200924T150338Z
LAST-MODIFIED:20200924T150338Z
UID:10003426-1603103400-1603107000@insider.nationallife.com
SUMMARY:FIT Retirement Series: Flexible Premium Solutions
DESCRIPTION:The next generation of retirement solutions…the consumer-focused FIT Retirement Series of flexible premium annuities. Learn more about how these retirement solutions are tailored to meet client’s needs for both short and long-term accumulation and distribution time frames. This session is for Agents who want to incorporate Flexible Premium Deferred Annuities into their practice ***Don’t forget to complete your state’s specific annuity training*** \nRegister in advance of this training:
URL:https://insider.nationallife.com/event/fit-retirement-series-flexible-premium-solutions-4/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201016T103000
DTEND;TZID=America/New_York:20201016T113000
DTSTAMP:20260404T141746
CREATED:20200924T150141Z
LAST-MODIFIED:20200924T150141Z
UID:10003425-1602844200-1602847800@insider.nationallife.com
SUMMARY:Life Insurance with Living Benefits & Lifetime Income Benefit Rider
DESCRIPTION:Do your clients have the new kind of life insurance?  This webinar will cover how to address 3 main concerns many clients have- Live Too Long\, Die Too Soon\, and Become Ill. This session is for Agents who want to incorporate Indexed Universal Life into their practice.   \n  \nRegister in advance for this training:
URL:https://insider.nationallife.com/event/life-insurance-with-living-benefits-lifetime-income-benefit-rider-13/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201015T150000
DTEND;TZID=America/New_York:20201015T160000
DTSTAMP:20260404T141746
CREATED:20200924T145522Z
LAST-MODIFIED:20200924T145522Z
UID:10003424-1602774000-1602777600@insider.nationallife.com
SUMMARY:NLG's PeakLife IUL: A Large Case Cash Accumulation Solution
DESCRIPTION:Do you have high net worth\, high income clients who are looking to contribute a substantial premium into an IUL?  PeakLife is our large cash accumulation IUL with a minimum face amount of $1\,000\,000.  Learn how competitive this IUL is when it comes to building cash value.  This session is for Agents who want to incorporate Indexed Universal Life into their practice.   \n  \nRegister in advance for this training:
URL:https://insider.nationallife.com/event/nlgs-peaklife-iul-a-large-case-cash-accumulation-solution-2/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201015T130000
DTEND;TZID=America/New_York:20201015T170000
DTSTAMP:20260404T141746
CREATED:20200923T210505Z
LAST-MODIFIED:20200923T210505Z
UID:10003415-1602766800-1602781200@insider.nationallife.com
SUMMARY:403b/457b Certified Training
DESCRIPTION: Who Should Attend?   \n\nAgents Licensed and Appointed with National Life Group \nAgents with less than two years experience selling in the 403(b)/457(b) Plan Marketplace \nAgents in good standing with National Life Group \nAgents interested in learning more about getting into the 403(b)/457(b) Marketplace \n\n  \nRegister in advance of this training:
URL:https://insider.nationallife.com/event/403b-457b-certified-training-4/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201014T150000
DTEND;TZID=America/New_York:20201014T160000
DTSTAMP:20260404T141746
CREATED:20200924T145339Z
LAST-MODIFIED:20200924T145339Z
UID:10003423-1602687600-1602691200@insider.nationallife.com
SUMMARY:E-App for Life Insurance: Become a Pro with iGo E-App (Spanish)
DESCRIPTION:Do you want to speed up the application process and get paid faster?  Do you want to cut down on NIGO (Not In Good Order) business?  This Webinar will show you how to utilize our E-App system to submit your business electronically.  This session is for any Agent who wants to learn how to submit their business electronically. \n  \nRegister in advance for this training:
URL:https://insider.nationallife.com/event/e-app-for-life-insurance-become-a-pro-with-igo-e-app-spanish/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201014T103000
DTEND;TZID=America/New_York:20201014T113000
DTSTAMP:20260404T141746
CREATED:20200924T145131Z
LAST-MODIFIED:20200924T145131Z
UID:10003422-1602671400-1602675000@insider.nationallife.com
SUMMARY:E-App for Annuities: Become a Pro with iGo E-App
DESCRIPTION:Do you want to speed up the application process and get paid faster?  Do you want to cut down on NIGO (Not In Good Order) business?  This Webinar will show you how to utilize our E-App system to submit your business electronically.  This session is for any Agent who wants to learn how to submit their business electronically. \n  \nRegister in advance for this training:
URL:https://insider.nationallife.com/event/e-app-for-annuities-become-a-pro-with-igo-e-app-3/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201013T163000
DTEND;TZID=America/New_York:20201013T173000
DTSTAMP:20260404T141746
CREATED:20200924T144957Z
LAST-MODIFIED:20200924T144957Z
UID:10003421-1602606600-1602610200@insider.nationallife.com
SUMMARY:New FIT SPDAs: Upside Potential with Downside Protection (Mandarin)
DESCRIPTION:Do you have clients who are looking to move a lump sum of money into a deferred annuity?  This Webinar will introduce you to National Life Group’s new single premium annuities along with helping you identify which products could be a good fit for each prospect.  This session is ideal for Agents who are looking to learn how to use Single Premium Deferred Annuities in their practice. \n***Don’t forget to complete your state’s specific annuity training***
URL:https://insider.nationallife.com/event/new-fit-spdas-upside-potential-with-downside-protection-mandarin-2/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201013T150000
DTEND;TZID=America/New_York:20201013T160000
DTSTAMP:20260404T141746
CREATED:20200924T144827Z
LAST-MODIFIED:20200924T144827Z
UID:10003420-1602601200-1602604800@insider.nationallife.com
SUMMARY:Life Illustration Training- Mortgage Protection Case Design
DESCRIPTION:Do you have existing clients who are homeowners?  Is their existing coverage adequate should they pass away or have a serious illness or injury?  This webinar will show you how to design a policy for mortgage protection.  This session is for any agent who sells life insurance. \n  \nRegister in advance of this training:
URL:https://insider.nationallife.com/event/life-illustration-training-mortgage-protection-case-design-7/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201013T130000
DTEND;TZID=America/New_York:20201013T140000
DTSTAMP:20260404T141746
CREATED:20200923T200943Z
LAST-MODIFIED:20200923T200943Z
UID:10003405-1602594000-1602597600@insider.nationallife.com
SUMMARY:Engage! Virtual Business Toolkit
DESCRIPTION:This step-by-step guide will help you prepare for and facilitate virtual business with current and prospective clients\, both individually and within schools. \n  \nRegister in advance for this training:
URL:https://insider.nationallife.com/event/engage-virtual-business-toolkit-7/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201012T150000
DTEND;TZID=America/New_York:20201012T160000
DTSTAMP:20260404T141746
CREATED:20200924T144603Z
LAST-MODIFIED:20200924T144603Z
UID:10003419-1602514800-1602518400@insider.nationallife.com
SUMMARY:Inforce Illustration Training
DESCRIPTION:Have you ever found yourself in this situation?  You are meeting with your client for a check-up and wish you had an in-force illustration showing them how their current policy is performing?  This webinar will show you how to run an in-force illustration\, so you can be prepared when meeting with your clients.  This session is for any agent with in-force business. \n  \nRegister in advance of this training:
URL:https://insider.nationallife.com/event/inforce-illustration-training-25/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201012T103000
DTEND;TZID=America/New_York:20201012T113000
DTSTAMP:20260404T141746
CREATED:20200924T144344Z
LAST-MODIFIED:20200924T144344Z
UID:10003418-1602498600-1602502200@insider.nationallife.com
SUMMARY:New FIT SPDAs: Upside Potential with Downside Protection
DESCRIPTION:Do you have clients who are looking to move a lump sum of money into a deferred annuity?  This Webinar will introduce you to National Life Group’s new single premium annuities along with helping you identify which products could be a good fit for each prospect.  This session is ideal for Agents who are looking to learn how to use Single Premium Deferred Annuities in their practice. \n***Don’t forget to complete your state’s specific annuity training*** \n  \nRegister in advance of this training:
URL:https://insider.nationallife.com/event/new-fit-spdas-upside-potential-with-downside-protection-3/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201009T103000
DTEND;TZID=America/New_York:20201009T113000
DTSTAMP:20260404T141746
CREATED:20200923T204920Z
LAST-MODIFIED:20200923T204920Z
UID:10003412-1602239400-1602243000@insider.nationallife.com
SUMMARY:Indexed Crediting Strategies: Deep Dive on Indexing
DESCRIPTION:Register in advance of this training:
URL:https://insider.nationallife.com/event/indexed-crediting-strategies-deep-dive-on-indexing-3/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201008T150000
DTEND;TZID=America/New_York:20201008T160000
DTSTAMP:20260404T141746
CREATED:20200923T204628Z
LAST-MODIFIED:20200923T204628Z
UID:10003411-1602169200-1602172800@insider.nationallife.com
SUMMARY:QUICK-HIT Sales Idea-Tax Free Retirement using Life Insurance
DESCRIPTION:Do you have clients who are looking to save more for retirement?  The ability to grow cash value on a tax-deferred basis and take distributions on a tax-free basis makes permanent life insurance a great potential solution.  This webinar will cover the many advantages of using permanent life insurance as a way to save for retirement.  This session is for any Agent who sells permanent life insurance.  \n  \nRegister in advance of this training:
URL:https://insider.nationallife.com/event/quick-hit-sales-idea-tax-free-retirement-using-life-insurance-7/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201008T130000
DTEND;TZID=America/New_York:20201008T170000
DTSTAMP:20260404T141746
CREATED:20200923T210406Z
LAST-MODIFIED:20200923T210406Z
UID:10003414-1602162000-1602176400@insider.nationallife.com
SUMMARY:403b/457b Certified Training
DESCRIPTION: Who Should Attend?   \n\nAgents Licensed and Appointed with National Life Group \nAgents with less than two years experience selling in the 403(b)/457(b) Plan Marketplace \nAgents in good standing with National Life Group \nAgents interested in learning more about getting into the 403(b)/457(b) Marketplace \n\n  \nRegister in advance of this training:
URL:https://insider.nationallife.com/event/403b-457b-certified-training-3/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201007T163000
DTEND;TZID=America/New_York:20201007T173000
DTSTAMP:20260404T141746
CREATED:20200923T204430Z
LAST-MODIFIED:20200923T204430Z
UID:10003410-1602088200-1602091800@insider.nationallife.com
SUMMARY:Inforce Illustration Training
DESCRIPTION:Have you ever found yourself in this situation?  You are meeting with your client for a check-up and wish you had an in-force illustration showing them how their current policy is performing?  This webinar will show you how to run an in-force illustration\, so you can be prepared when meeting with your clients.  This session is for any agent with in-force business. \n  \nRegister in advance for this training:
URL:https://insider.nationallife.com/event/inforce-illustration-training-24/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201007T160000
DTEND;TZID=America/New_York:20201007T170000
DTSTAMP:20260404T141746
CREATED:20200923T202149Z
LAST-MODIFIED:20200923T202149Z
UID:10003407-1602086400-1602090000@insider.nationallife.com
SUMMARY:403(b)/457(b) State of California Overview
DESCRIPTION:Register in advance of this training:
URL:https://insider.nationallife.com/event/403b-457b-state-of-california-overview/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201007T150000
DTEND;TZID=America/New_York:20201007T160000
DTSTAMP:20260404T141746
CREATED:20200923T204157Z
LAST-MODIFIED:20200923T204157Z
UID:10003409-1602082800-1602086400@insider.nationallife.com
SUMMARY:Basic Life Illustration Training (Spanish)
DESCRIPTION:Are you new to National Life Group?  Are you looking to start using our illustration software to run illustrations for your prospective clients?  This Webinar will help you understand our software platforms\, how to navigate each one\, and how to run each life product illustration.  This session is ideal for Agents who are looking to learn how to use National Life’s illustration software. \n  \nRegister in advance of this training:
URL:https://insider.nationallife.com/event/basic-life-illustration-training-spanish-6/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201007T103000
DTEND;TZID=America/New_York:20201007T113000
DTSTAMP:20260404T141746
CREATED:20200923T203934Z
LAST-MODIFIED:20200923T203934Z
UID:10003408-1602066600-1602070200@insider.nationallife.com
SUMMARY:Whole Life Illustration Training
DESCRIPTION:Are you looking to incorporate Whole Life in your practice\, but maybe not sure on how to run illustrations?  This webinar will cover some of the more common ways a whole policy can be designed.  This session is for Agents who are interested in learning how to illustrate Whole Life. \nRegister in advance of this training:
URL:https://insider.nationallife.com/event/whole-life-illustration-training-11/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201006T150000
DTEND;TZID=America/New_York:20201006T160000
DTSTAMP:20260404T141746
CREATED:20200923T195743Z
LAST-MODIFIED:20200923T195743Z
UID:10003401-1601996400-1602000000@insider.nationallife.com
SUMMARY:TotalSecure Whole Life: A Guaranteed Solution with Flexibility
DESCRIPTION:Did you know Whole Life can offer flexible premiums while still offering strong Guarantees?  This Webinar will review our Whole Life product and show you how National Life Group’s TotalSecure is unique in the industry.  You will learn how you can build a flexible premium Whole Life policy for your clients.  This session is for Agents who want to incorporate Whole Life into their practice.   \nRegister in advance for this training:
URL:https://insider.nationallife.com/event/totalsecure-whole-life-a-guaranteed-solution-with-flexibility-2/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201006T130000
DTEND;TZID=America/New_York:20201006T140000
DTSTAMP:20260404T141746
CREATED:20200923T200832Z
LAST-MODIFIED:20200923T200832Z
UID:10003404-1601989200-1601992800@insider.nationallife.com
SUMMARY:Engage! Virtual Business Toolkit
DESCRIPTION:This step-by-step guide will help you prepare for and facilitate virtual business with current and prospective clients\, both individually and within schools. \n  \nRegister in advance for this training:
URL:https://insider.nationallife.com/event/engage-virtual-business-toolkit-6/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201006T110000
DTEND;TZID=America/New_York:20201006T120000
DTSTAMP:20260404T141746
CREATED:20200923T200150Z
LAST-MODIFIED:20200923T200150Z
UID:10003402-1601982000-1601985600@insider.nationallife.com
SUMMARY:FIT Horizon Income and FIT Retirement Series (Korean)
DESCRIPTION:Register in advance for this training:
URL:https://insider.nationallife.com/event/fit-horizon-income-and-fit-retirement-series-korean/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201005T103000
DTEND;TZID=America/New_York:20201005T233000
DTSTAMP:20260404T141746
CREATED:20200923T195456Z
LAST-MODIFIED:20200923T195456Z
UID:10003400-1601893800-1601940600@insider.nationallife.com
SUMMARY:FIT Retirement Series: Flexible Premium Solutions
DESCRIPTION:The next generation of retirement solutions…the consumer-focused FIT Retirement Series of flexible premium annuities. Learn more about how these retirement solutions are tailored to meet client’s needs for both short and long-term accumulation and distribution time frames. This session is for Agents who want to incorporate Flexible Premium Deferred Annuities into their practice ***Don’t forget to complete your state’s specific annuity training*** \nRegister in advance for this training:
URL:https://insider.nationallife.com/event/fit-retirement-series-flexible-premium-solutions-3/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201002T163000
DTEND;TZID=America/New_York:20201002T173000
DTSTAMP:20260404T141746
CREATED:20200923T193313Z
LAST-MODIFIED:20200923T193313Z
UID:10003399-1601656200-1601659800@insider.nationallife.com
SUMMARY:FIT Retirement Series: Flexible Premium Solutions (Spanish)
DESCRIPTION:The next generation of retirement solutions…the consumer-focused FIT Retirement Series of flexible premium annuities. Learn more about how these retirement solutions are tailored to meet client’s needs for both short and long-term accumulation and distribution time frames. This session is for Agents who want to incorporate Flexible Premium Deferred Annuities into their practice ***Don’t forget to complete your state’s specific annuity training*** \nRegister in advance of this training:
URL:https://insider.nationallife.com/event/fit-retirement-series-flexible-premium-solutions-spanish-2/
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20201002T103000
DTEND;TZID=America/New_York:20201002T113000
DTSTAMP:20260404T141746
CREATED:20200923T192821Z
LAST-MODIFIED:20200923T192821Z
UID:10003398-1601634600-1601638200@insider.nationallife.com
SUMMARY:Life Insurance with Living Benefits & Lifetime Income Benefit Rider
DESCRIPTION:Do your clients have the new kind of life insurance?  This webinar will cover how to address 3 main concerns many clients have- Live Too Long\, Die Too Soon\, and Become Ill. This session is for Agents who want to incorporate Indexed Universal Life into their practice.   \n  \nRegister in advance of this webinar:
URL:https://insider.nationallife.com/event/life-insurance-with-living-benefits-lifetime-income-benefit-rider-12/
END:VEVENT
END:VCALENDAR