INSIDE Insurance Myths, Millennials & More: They have the Least Understanding » 7
CSR of Year-Linsey Eiben
Two Reports: September Rates & 2015 Profits » 13 Uninsured & Underinsured in America » 18 Age & Insurance » 20
Cover Photo Credit: Carl Wycoff, Iowa
October 2015 | Published Monthly
Insuring the Midlands Since 1891 Andy Kraus, CPCU Vice President of Agencies 800-742-7433 akraus@fmne.com
Did you know that PIA’s company council, The PIA Partnership, has conducted nationwide research about the insurance buying preferences of small business owners? The research is encouraging because it found that small business owners strongly prefer independent insurance agents as they make choices in today’s online world. However, the results also serve as a wake-up call that agents must take steps to continue to demonstrate their value and also be more engaged online. PIA and the companies belonging to The PIA Partnership have created a public website that helps agents understand PIA’s findings. PIA members also have access to a private website containing a series of strategies and tools to help them stay ahead of online competition in commercial lines. To access the newest PIA Partnership project, Small Business Insurance & The Internet — The Voice of the Commercial Lines Customer, visit us at www.pianet.com/voiceoftheclcustomer. If you are not a PIA member and want to access all of the tools available through this program, contact us for a membership application or visit us online at www.pianet.com/joinpia.
National Association of Professional Insurance Agents 400 N. Washington St., Alexandria, VA 22314-2353 www.pianet.com | membership@pianet.org | (703) 836-9340
Top Stories Insurance Myths, Millennials & More: They have the Least Understanding | 7 InsuranceQuotes.com did a study of auto and homeowners insurance knowledge. Millennial Marketing: Tricky but Worth the Effort | 8 Millennials are those who came to adulthood around the year 2000. Animal Collisions: It’s that Time of Year | 10 State Farm does this every year. October, November and December are the time when you are most likely to collide with a deer, or an elk, or in some states, a moose. Staying Focused: Battling the Afternoon Drag | 12 Most of us are early risers. Some of us are early risers and also hit the sack rather late. Two Reports: September Rates & 2015 Profits | 13 Keeyfe, Bruyette & Woods (KBW) and MarketScout both issue market reports at the end of September. Cyber Risk Now Officially Consumer Concern | 14 Big business has worried about cyber attacks for several years. It’s Already October? Time to Revisit Health Insurance | 18 Is it already October? Wow. How time flies.
Uninsured and Underinsured in America | 18 Swiss Re just published a report saying over $221 billion in property goes uninsured every year. Update: Cover Oregon & Oracle Lawsuit | 19 Cover Oregon — still — is ObamaCare’s biggest failure. Age & Insurance | 20 One of the top concerns of the insurance industry is who is going to run things when the current crop of Baby Boomers retire.
PIA NEWS Professional Insurance Agents NE IA and The National Alliance held Iowa’s | 22 37th Annual CIC & CRM Conferment Ceremony
PIA NE IA Events Upcoming Events Calendar 2015 - 2016 | 29
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October 2015 | Main Street Industry News | www.pianeia.com | 4
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Top Stories
Insurance Myths, Millennials & More They have the least understanding InsuranceQuotes.com did a study of auto and homeowners insurance knowledge. Millennials — those coming to adulthood around the year 2000 — scored the worst though other age groups didn’t do that well either. While this survey aims at personal lines, it does point out that most people do not have much in the way of insurance knowledge and we — those in the industry — would do well to pay more attention to educating our clients. Or so says spokeswoman Laura Adams who hits the uninformed and those — agents and companies — who should be doing the informing. “These results indicate that millions of Americans need a refresher on what insurance does and does not cover. It doesn’t hurt just to pick up your phone and talk to your company or agent.” Like other industry advisors, Adams recommends agents suggest and schedule a once a year insurance policy go-over.
And the survey says...
• 42% think people with red cars pay higher insurance rates than those with vehicles of other colors. • Of those, 53% are Millennials. • 44% of the 42% have college – or higher – degrees. • 36% make $75,000 a year or more. • Only 56% accurately know that insurance covers repairs for the motorist at fault. • 20% — oddly enough — think they have to pay out of their own pockets even if the accident is not their fault. • 34% think car insurance replaces stolen items when it is actually homeowners and renters that takes care of those things. • 17% don’t know where you live makes a difference in the price paid for insurance. n Source link: USA TODAY
October 2015 | Main Street Industry News |www.pianeia.com| 7
Top Stories
Millennial Marketing Tricky but worth the effort Millennials are those who came to adulthood around the year 2000. Getting them to understand insurance, and the importance of purchasing insurance from an agent and not a website, is tough. PropertyCasualty360.com recently consulted with marketing experts from The Hartford, Moore Communications Group, Microsoft and a few others, and 30 millennials. The results are fascinating. Reaching them is an easy start. Communicate with the millennials on your staff or the millennials in your family. Ask them to look
over your marketing materials, your website, your Facebook page and its entrees, and other communication packages. Then listen to them and their advice. Questions you want answered: • How are we doing? • How would you change what we’re doing? • How would you change what the insurance industry is doing? • Are we accessible?
October 2015 | Main Street Industry News | www.pianeia.com | 8
Top Stories Once you’ve kicked things around with staff members and other millennials, then reach out to the millennial generation. They are going to do research on you before buying. Count on that. It’s a fact equal to the sun rising and setting. You need to find out where they are and be there when they get there. This is places like Yelp and other communities. Make sure your website has some sort of social media presence. Learn technology. Technology is important to them and they expect it to be important to you. The website needs to be smartphone and other mobile device friendly. And speaking of friendly. Lots of friendly photos and fun stuff needs to be on your website and social media pages. These pics don’t always have to be insurance related. It’s just as important to be perceived as fun. Pick the type of millennial client you want and cater to them. This is a generation that has been pampered and told how wonderful they are from the time they were born through the end of high school. They expect you to love them, too. Turn things around. They don’t find insurance or estate planning or anything like that particularly interesting. Make it interesting by finding a way to apply technology to it. Videos, photos, infographics and other engaging content — as noted earlier — must be on your website and Facebook page and wherever else you have a technology presence. Another reason this is critical is because they have zip for an attention span. The average span is like eight-seconds. All of your communications channels need to be aimed at them. Most prefer texting to phone calls. An email works for a reminder better
than a phone call. But before deciding how an individual wants communication, ask them. So now you’ve communicated with them and they love the website, Facebook and all and you actually set up a meeting that they actually attend. Make your pitch but make it short. If it’s normally 30-minutes, find a way to do it in 10. Then sit back and give them time to research what you told them. Most will do that. This is where having a duplicate of the information in the pitch online is helpful. And that brings us to online. The experts hinted around about it, now they’re getting serious. You ought to have an advertising presence on one of them. It can be Facebook, Twitter, Instagram, Netflix. Any of them. Talk with your millennials and see what they say about where you ought to be. You will not — REPEAT — will NOT reach them on television or in newspaper. They’re not there. Make sure any online presence is clean, neat, really cool and — most importantly — modern and refreshed frequently. If you haven’t updated in three-months you’ll be perceived as old. Never — ever — be perceived as old in the eyes of millennials. Old means old-fashioned and old-fashioned is not to be trusted. Lastly, millennials will research everything online. But they don’t want to be sold there. The sale takes place face-to-face, or phone-tophone. Just make sure all of your information — everything you’ve told them — is accessible on your website, or wherever, 24/7. Oh. Google. Make sure you’re searchable. If you contact them and they can’t find you then you lose credibility. n Source link: PropertyCasualty360.com
October 2015 | Main Street Industry News |www.pianeia.com| 9
Top Stories
Animal Collisions
It’s that Time of Year State Farm does this every year. October, November and December are the time when you are most likely to collide with a deer, or an elk, or in some states, a moose. The national average number for 2015 is the same as 2014. It’s 1 out of 169. Here’s the list of the top-five states and note that number three is the PIA state of Iowa. Rank
State
2015 Odds
Percent Change from 2014
1 2 3 4 5
West Virgina Montana Iowa Pennsylvania South Dakota
1 in 44 1 in 63 1 in 68 1 in 70 1 in 73
11.4% Less Likely 19.1% More Likely 13.2% More Likely 1.4% More Likely 12.3% More Likely
Ron Regan of the Association for Fish and Wildlife Agencies said, “Periods of daily highdeer movement around dawn and dusk as well as seasonal behavior patterns, such as during the October-December breeding season, increase the risk for autodeer collisions. Changes in collision rates from year to year are a reflection of changing deer densities or population levels – more deer in a given area increases the potential for collision.” The average cost per claim is up 6% from 2014. In 2015 the estimate will be $4,135. Last year it was $3,888. By the way, Hawaii is at the bottom of the list. Odds of hitting any of the listed animals is 1 in 8,765. n Source: State Farm
October 2015 | Main Street Industry News | www.pianeia.com | 10
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Top Stories
Staying Focused: Battling the Afternoon Drag Most of us are early risers. Some of us are early risers and also hit the sack rather late. All of us — especially as we age — face the midafternoon blahs. Lots is left to be done and the last thing you want to do is get it done. Here are some ideas to pump up your afternoon and make it more productive. First, eat a healthy snack. This isn’t something laden with sugar. We don’t need the roller coaster high of sugar. The goal is to keep sugar levels level all day. You can Google a bunch of ideas as to what will make the perfect midafternoon snack. Second, schedule your meetings for afternoon. The same with important deadlines. These keep you focused. Do the easier stuff in the morning. Your body and brain will find it easier to focus and stay focused if what you’re doing in the afternoon is critical to the job. Third. Go for a walk. Get some fresh air. This gets oxygen flowing and clears the head.
The recommended walk length is five to 10-minutes. Fourth. Stay hydrated. You actually should be doing this all day long. Also, experts say a touch of coffee won’t hurt your afternoon either. Five. Do some meditation. It’s like a mini-nap. Meditation and slow breathing completely switch off the brain and is a battery recharge. Six. Upbeat music after mediation revs up the engine and gets you going strong. Seven. Breathing and stretching. While the music roars — or at least is hearable if you’re in a cubicle situation — do some breathing and stretching. Twist your torso and head left and right. Curve your back. Then sit up straight and breathe in and out. Do these three times. n Source link: Insurance Business America
October 2015 | Main Street Industry News | www.pianeia.com | 12
Top Stories
Two Reports
September Rates & 2015 Profits Keeyfe, Bruyette & Woods (KBW) and MarketScout both issue market reports at the end of September. Both said P&C rates dropped by an average of 1% in September. August was flat. And with that MarketScout CEO Richard Kerr said insurers are starting to making pricing changes as the market softens. “We expect pricing on most lines to be adjusted downward with a few exceptions such as commercial automobile/transportation risks and accounts with poor loss experience or other underwriting concerns,” he said. In its statement on rates, KBW said, “We expect rates to remain modestly negative in the coming months as the industry adjusts to significant excess capital.” Here’s the bottom-line: Jumbo accounts: $1 million and over — fell 4%. Large accounts: $250,001 to $1 million — are down 1%. Medium accounts: $25,001 to $250,000 — flat. Small accounts: Up to $25,000 — flat. It’s these results, and the more or less flat year for rates that is driving KBW’s negative rating of the industry. “We expect rate changes to remain modestly negative over the next few months. We’re pretty neutral on primary commercial insurers, as sustained underwriting margin improvement is unlikely with rates trailing loss cost trends, especially if reserve development fades further,” KBW’s report concluded.
While rates are dropping, 2015 — says A.M. Best — will see the industry posting a third consecutive underwriting profit. Net premiums, underwriting results and net income all improved in the first half of the year. The rating firm came to that conclusion in its report Property/Casualty Posts Improved Underwriting Results and Net Income During First Half of 2015. And along with positives the report has some warnings. Increased stockholder dividends and changes in surplus and capital losses have A.M. Best concerned. Here are some of the reports results: After tax net income was $9.9 billion. That’s up from $7.3 billion in the first six months of 2014. Pretax operating income hit $7.0 billion — up 17.1% from the $6.0 billion in 2014. Underwriting loss mid-year is $745 million compared to $2.3 billion in the same time period in 2014. Policyholders surplus remains unchanged from a year ago at $683.7 billion. Personal lines earnings jumped substantially from 2014 to now. Underwriting expense growth is outpacing premium growth. Total underwriting expenses are up 4.5% to $71.7 billion in the first two quarters. The combined ratio is 97.8 — a bit better than 2014’s 99.0 — in quarters one and two. Commercial lines report a 5.4% jump in direct premiums. It’s at $134.7 billion — up from $127.8 billion. Work comp, general liability, auto liability and inland marine are doing best. Equity holdings fell 1.9% from the end of 2014 until June 30. n Source links: insurancejournal.com and Artemis
October 2015 | Main Street Industry News |www.pianeia.com| 13
Top Stories
Cyber Risk Now Officially Consumer Concern Big business has worried about cyber attacks for several years. The federal government worries started a few years after that. Consumers have been slower to the party. But they’re there now. The 2015 Travelers Companies consumer risk survey said 57% of us now classify cyber risk as a worry. That’s up from 36% in 2014. It puts it as number-three on the list. The top two are 1) financial concerns and risks and 2) personal privacy and identity theft risk. Travelers senior VP Patrick Gee said, “Cyber threats are joining the ranks of the conventional issues that individuals have worried about for decades.” Here are the rest of the survey concerns: • 62% worry about hacked bank and financial accounts. • 60% worry about virus attacks on their personal computers. • 59% worry about online or offline ID theft. • 58% are concerned about their personal information being compromised in a retailer cyber attack.
• 60% are concerned that their personal computers or mobile devices will be infected by a virus. • 43% worry their medical records will be breached. The Travelers survey show 25% of us think we’ve experienced a data breach or a cyber attack. Those under 55 worry about that more than those over 55. The survey also checked in with people who have been victims of cyber attacks. They talked about what they’re doing to prevent more of that in the future: • 86% have chosen stronger passwords. • 78% of those picking stronger passwords are keeping them private. • 84% limit personal information they put on the Internet. • Just 76% overall have such limits in place. • 75% have their web browser outfitted with the latest security features. • Overall, just 69% do that.
October 2015 | Main Street Industry News | www.pianeia.com | 14
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• 74% have updated their firewall and antivirus software. • Just 63% of those who haven’t experienced a breach have done that. • 50% frequently change online banking and financial passwords. • Just 41% of those who haven’t seen their accounts compromised do so. Other results:
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It’s Already October? Time to Revisit Health Insurance Is it already October? Wow. How time flies. And as we know, in October the annual analysis of our employer sponsored and individual health insurance policies begins. Decisions must also be made soon, but first a look at where we are. And where we are is at historically low-rising rates and historically rising deductibles. The Obama administration takes part of the credit for the low-rising rates. It announced last week that the first two-years of ObamaCare produced 17.6 million more insured than were insured before the implementation of the Affordable Care Act. Of those 15.3 million are insured via Medicaid and 2.3 million people under age 26 have insurance from the plans of their parents. Anyway, two research groups the Kaiser Family Foundation and the Health Research & Educational Trust found dropping premiums and up-front, rising deductibles means patients are now more responsible for their share of medical costs than before. Kaiser spokesman and CEO Drew Altman said, “While it’s absolutely true that we’ve been living in a period of an historic slowdown in healthcare costs, it’s almost invisible to consumers. What they pay for health care is going up at a time when their wages are relatively flat.” Premiums in 2015 rose just 3.8%. The average worker paid $1,071 of the average $6,251 it costs a company to insurer them. Deductibles jumped 9% and the up-front costs now average $1,077 a year per person. It gets worse. Since 2010 deductibles have gone up 67%. Premiums — on the other hand — jumped about a third of that at 24%. In
all deductibles are now 81% and rising. That compares to 70% in 2010 when ObamaCare passed Congress. There are two reasons for the increases. First, employers are shifting costs to employees so health insurance costs are not so high for them. Second, workers having to pay more for health care tend to use it less and that has kept price increases down. Clare Krusing of Americas Health Insurance Plans said, “When you are trying to provide affordable coverage and low premiums for individuals, often times there are trade-offs, and deductibles are one of those trade-offs.” n Source links: insurancejournal.com and The Hill
Uninsured and Underinsured in America Swiss Re just published a report saying over $221 billion in property goes uninsured every year. The conclusion of Underinsurance in Property Risk: Closing the Gap is not a surprise. What does come as a bit of a surprise is where most of that uninsured property is located. It’s in the United States and it makes the U.S. the most uninsured country on the planet. This isn’t to say the rest of the world is doing much better. Prosperous China and Japan also have huge swaths of country with property that is uninsured. Emerging markets like Brazil and the Philippines are also largely uninsured.
October 2015 | Main Street Industry News | www.pianeia.com | 18
Top Stories Swiss Re chief economist Thomas Halzhou says each year there is an estimated $153 billion in losses that are uninsured. “This is even a conservative estimate as it doesn’t consider things like hail, drought, or volcano. So there’s a chance this [uninsured property] gap could be even higher,” he said. The report lists the three most uninsured natural disasters. This is a global figure: • Earthquakes: 90% lack insurance
Update Cover Oregon & Oracle Lawsuit Cover Oregon — still — is ObamaCare’s biggest failure. The multi-million dollar exchange failed to register even one person when the Affordable Care Act became law almost two-years ago.
• Flooding: 6% lack insurance • Windstorms: 55% lack insurance In the United States Insurance Information Institute (I.I.I.) statistics show the areas of the lowest insurance penetration and the insured penetration percentage. None of these will be much of a surprise to you: • Earthquake: 10% have insurance • Flood: 14% have insurance • Renters: 40% have insurance • Cyber: 52% have insurance • Terrorism: 62% have insurance The report also lists the root causes of being under and uninsured: • Insurability — where risks like cyber liability or terrorism are hard to insure. • Buying behavior — lack of consumer awareness or a faulty risk perception. • Undervaluation — property is undervalued by an average of 26%. III President Robert Hartwig makes the point that the highest insurance penetration is private passenger auto. That’s because it’s required to drive. n Source link: Insurance Business America
The price tag was for developing Oregon’s exchange was — depending on who you ask — somewhere between $300 million and $350 million. Now Oregon is suing main contractor the Oracle Corporation and is trying to recoup some or all of that money. Both sides are currently in a procedural battle over who all can be included. Oracle wants five of its executives excluded from the suit. The state disagrees. A Marion County judge said they can be included so Oracle went to the Oregon Supreme Court. Oregon says the five — including ex-CEO Safra Catz — conspired to get rich off of Oregon taxpayers and made false claims about the condition of the exchange. Oracle argues that people can’t be sued for actions on behalf of their employer. The Supreme Court sided with the state and the execs will be included. n Source link: insurancejournal.com
October 2015 | Main Street Industry News |www.pianeia.com| 19
Top Stories
Age and Insurance One of the top concerns of the insurance industry is who is going to run things when the current crop of Baby Boomers retire. Finding talent in the nation’s now largest age group’s the Millennials — those coming to adulthood around the year 2000 — is very difficult. Millennials can be convinced to become an employee of the industry in this capacity or that but it’s not easy. The Great Recession may have helped a bit. Allianz Senior Economist Dr. Michaela Grimm said many of those eligible to retire are putting those plans off because retirement savings and investments got hit hard. Grimm says one in three workers worldwide is over the age 50. “It’s wishful thinking to assume that once the baby boomers retire, we will be able to go back to the formal normal. In the long run, one in three people will be working over the age of 50. Companies will have to adjust — at the moment, they don’t feel it because only about 55% of these workers are on the level market,” Grimm said. Experts say over the next decade the industry will need to find 60,000 new agents and brokers each year to just break even. As you know, the industry isn’t coming close to that number. What makes that even scarier is just 10% of those currently being hired as agents or brokers make it past five-years in the business.
Here’s some good news. The Bureau of Labor Statistics and its Current Population Survey disagrees with industry experts and sets the average age of the nation’s insurance agents at 45.6 years. That’s a whopping 12 or so below the 60 just noted. More good news — kind of. A bunch of other industries — 13 in this story — are older than insurance. That is if you accept the 45.6 age figure. n
Industry Locomotive engineers and operators Physicians and surgeons First line police supervisors and detectives
Age 46 46.8 47
Aircraft pilots and flight engineers
47.3
Highway maintenance workers
48.7
Jewelers and precious stone and metal workers
48.6
Taxi drivers and chauffeurs
49.2
Real estate brokers and sales agents
50.7
Clergy
51.8
Tailors, dressmakers and sewers
52.5
Tailors, dressmakers and sewers
53.2
Judges, magistrates and other judicial workers
53.7
Farmers, ranchers and agricultural managers
56.1
Source links: Insurance Business America and PropertyCasualty360.com
October 2015 | Main Street Industry News | www.pianeia.com | 20
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PIA NEWS
Professional Insurance Agents NE IA and The National Alliance held Iowa’s 37th Annual CIC & CRM Conferment Ceremony
Professional Insurance Agents NE IA along with The National Alliance held Iowa’s 37th Annual CIC & CRM Conferment Ceremony on October 15th, 2015. The luncheon took place at the Holiday Inn Hotel & Suites in West Des Moines and recognized those in Iowa who earned their CIC, CRM, CSRM or CISR designation within the past year. There were 34 CICís who earned their designation, making 634 CICs statewide. There are 77 CRM designees in Iowa with the addition of the seven that were conferred this year. The ceremony began with a welcome and introduction from IA CIC Committee
Chair Person, LeaAnn Carlson, CIC, CRM, CISR, AU. Twelve CICís, two CRM’s and six CISR’s were in attendance at the ceremony and received their pins from Bernie Neff, CIC, CPCU, Education Consultant for the State of Iowa. The Iowa Outstanding Customer Service Rep of the year, Ms. Linsey Eiben, CIC, CISR from TrueNorth Companies in Cedar Rapids, IA, was also in attendance and received her award plaque. PIA NE IA is looking forward to another successful ceremony for Nebraska Conferees in November.
October 2015 | Main Street Industry News | www.pianeia.com | 22
PIA NEWS
37th Annual Iowa CIC Conferment Ceremony
Ms. Paula M. Eberhart, CIC, AU, API Grinnell Mutual Reinsurance Company Grinnell, IA
CIC Conferees
Ms. Linsey Eiben, CIC, CISR TrueNorth Companies Cedar Rapids, IA
Ms. Cori Mae Beaman, CIC, CISR Inspro Insurance Agency Des Moines, IA
Mr. Nicholas J. Fischer, CIC Cottingham & Butler Dubuque, IA
Ms. Jennifer A. Beck, CIC, AINS, AIS Grinnell Mutual Reinsurance Company Grinnell, IA
Mr. Colin James Green, CIC Cottingham & Butler Dubuque, IA
Mr. James E. Black, CIC, AFIS PMC Advantage Insurance Service, Inc. Algona, IA
Mr. Erik M. Horak-Hult, CIC, AU Allied Insurance Des Moines, IA
Ms. Jill Lee Boge, CIC Cottingham & Butler Dubuque, IA
Mr. Cris Houlihan, CIC, AAI Cottingham & Butler Dubuque, IA
Ms. Brandi Rose Brewer, CIC, AAI Cottingham & Butler Dubuque, IA
Ms. Amy Lynn Jaacks, CIC Farm Bureau West Des Moines, IA
Mr. Michael A. Cadwell, CIC, LUTCF Stille Pierce & Pertzborn Sioux City, IA
Mr. Anthony Kanne, CIC Mercer West Des Moines, IA
Mr. Chad M. Campbell, CIC Campbell & Mellema Insurance, Inc. Parkersburg, IA
Ms. Nicole Lyn Keck, CIC, CISR AW Welt Ambrisco Insurance, Inc. Iowa City, IA
Ms. Jill A. Conrad, CIC, CISR Tricor Insurance Dubuque, IA
Ms. Carly Jo Koehlmoos, CIC, CISR, CRIS Midwest Heritage Insurance Services West Des Moines, IA
Mr. Travis Ronald Cutler, CIC, CAWC, AU, AIS Arthur J Gallagher Risk Management Services, Inc Davenport, IA
Ms. Karla C. Krogman-Sauer, CIC, CISR Pharmacists Mutual Insurance Companies Gretna, NE
Mr. Benedict J. Droessler, CIC Cottingham & Butler Dubuque, IA
Mr. Eric W. Lehmann, CIC, CLCS Cottingham & Butler Dubuque, IA
October 2015 | Main Street Industry News |www.pianeia.com| 23
PIA NEWS Ms. Tracy Glendel Mattix, CIC Nationwide Insurance Indianola, IA
Ms. Amber Tabor, CIC Shomo Madsen Woythaler Insurance Newton, IA
Mr. Brian J. McConnell, CIC A.W. Welt Ambrisco Insurance, Inc. Iowa City, IA
Mr. Travis J. Thier, CIC, AAI People’s Insurance Agency Waverly, IA
Ms. Megan Ruth McGee, CIC, CISR LaMair Mulock Condon Insurance & Risk Mgmt West Des Moines, IA
Mr. Kevin Verschuure, CIC Van Engelenhoven Agency Orange City, IA
Mr. Zachary James Mefferd, CIC Professional Solutions Insurance Clive, IA
Ms. Dee A. Williams, CIC, CPCU, AU, AIS Grinnell Mutual Group Grinnell, IA
Ms. Patricia Kaye Meyer, CIC Nationwide Insurance Des Moines, IA
National CIC Statistics Total Participants: 64,652 Total Designated: 30,405
Ms. Trisha Lynn Mueller, CIC, AAI Cottingham & Butler Dubuque, IA
Iowa CIC Statistics Total Participants: 1,365 Total Designated: 634 CICs Conferred Today: 38
Mrs. Meredith L. Otis, CIC Nationwide Agri Business Des Moines, IA Mr. Steven R. Rindfuss, CIC GuideOne Insurance West Des Moines, IA Mr. Mark Aaron Scheve, CIC Nationwide Insurance Des Moines, IA
8th Annual Iowa CRM Conferment Ceremony
CRM Conferees
Ms. Sue Sherman, CIC, CISR, LUTCF Millhiser Smith Agency, Inc. Cedar Rapids, IA
Ms. Laura J. Adams, CIC, CRM, CPCU USI Insurance Services Moline, IL
Mr. Allen R. Sorensen, CIC, CPCU United Fire Group Cedar Rapids, IA
Mr. Robert S. Dowd, CIC, CRM, CPCU Continental Western Group Urbandale, IA
Ms. Erica R. Stoll, CIC Nationwide Insurance Des Moines, IA
Ms. Devon Marie Leith, CIC, CRM Tyler Insurance Services, Inc. Creston, IA
October 2015 | Main Street Industry News | www.pianeia.com | 24
PIA NEWS Ms. Ashley A. Moore, CIC, CRM, AAI Cottingham & Butler Dubuque, IA
Ms. Susan Mitchell, CIC, CSRM, AIS Bank Midwest Insurance Services Spirit Lake, IA
Ms. Kaylee Ungs, CIC, CRM, AAI Cottingham & Butler Dubuque, IA
Mr. Ryan Otto Swalve, CIC, CISR, CSRM, CPCU, AU Professional Solutions Insurance Services Clive, IA
Ms. Natalie Winder, CIC, CRM LaMair Mulock Condon Company West Des Moines, IA
National CSRM Statistics Total Participants: 2,275 Total Designated: 738
Ms. Shannon Marie Zimmerman, CIC, CRM, AAI Cottingham & Butler Dubuque, IA
Iowa CSRM Statistics Total Participants: 20 Total Designated: 9 CSRMs Conferred Today: 4
National CRM Statistics Total Participants: 20,323 Total Designated: 3,853
25th Annual Iowa CISR Conferment Ceremony
Iowa CRM Statistics Total Participants: 407 Total Designated: 77 CRMs Conferred Today: 7
CISR Conferees 3rd Annual Iowa CSRM Conferment Ceremony
CSRM Conferees
Ms. Angela Kay Cooper, CISR, AINS, CLCS Holmes Murphy West Des Moines, IA Ms. Rachel Lee Cunningham, CISR, AINS Molyneaux Insurance Davenport, IA
Ms. Ann Elizabeth Friederichs, CIC, CSRM Nelson Brothers Agency Davenport, IA
Ms. Nancy R. Dahl, CISR VGM Insurance Waterloo, IA
Ms. Tammy J. Klein, CISR, CSRM, CPIW O’Connor & English Insurance Dubuque, IA
Ms. Kelly Ann Davis, CISR Gateway Insurance Services Ames, IA
October 2015 | Main Street Industry News |www.pianeia.com| 25
PIA NEWS Ms. Sarah Jo Denney, CISR, AINS Miller Fidler & Hinke Insurance Agency Clive, IA
Ms. Janice Irene Morey, CISR PMC Advantage Insurance Services, Inc. Algona, IA
Ms. Dianna Marie Deskin, CISR Holmes Murphy & Associates West Des Moines, IA
Ms. Jennifer Marie Osburn, CISR Insurance Associates of Iowa City Iowa City, IA
Ms. Amber Lea Elder, CISR Lee Agency, Inc. Muscatine, IA
Ms. Kara D. Potter, CISR TrueNorth Insurance Cedar Rapids, IA
Mr. Mitchel Lee Graybill, CISR Millhiser Smith Agency, Inc. Cedar Rapids, IA
Ms. Kari Elizabeth Ritchie, CISR, PHR A.J. Gallagher Davenport, IA
Ms. Gretchen Heidgerken, CISR Arthur J. Gallagher Davenport, IA
Ms. Becca L. Schaefer, CISR Burg Insurance Agency, Inc. Williamsburg, IA
Ms. Patricia A. Hoge, CISR, CPCU, AU, FLMI United Fire Group Cedar Rapids, IA
Ms. Amy C. Sheeder, CISR Ruhl & Ruhl Insurance Davenport, IA
Ms. Jeanette Holland, CISR USI Midwest Moline, IL
Ms. Kathy A. Smith, CISR, AU Agri-Business Insurance Services West Des Moines, IA
Mr. Matthew William Johnston, CISR Holmes Murphy West Des Moines, IA
Ms. Heather Lynn Thorn, CISR True North Companies Cedar Rapids, IA
Ms. Rebecca K. Lease, CISR Holmes Murphy & Associates West Des Moines, IA
National CISR Statistics Total Participants: 66,528 Total Designated: 27,483
Ms. Sarah Lynn McCarter, CISR Prins Insurance, Inc. Sanborn, IA
Iowa CISR Statistics Total Participants: 889 Total Designated: 429 CISRs Conferred Today: 23
Ms. Sara Metzger-Murphy, CISR Philadelphia Insurance Companies West Des Moines, IA
October 2015 | Main Street Industry News | www.pianeia.com | 26
PIA NEWS
CRM – Left to right: Natalie Winder, CIC, CRM; Bernie Neff, CIC, CPCU, IA Education Consultant; Robert S. Dowd, CIC, CRM, CPCU
CISR – Left to right: Dianna Deskin, CISR; Angela Cooper, CISR, AINS, CLCS; Kelly Davis, CISR; Bernie Neff, CIC, CPCU, IA Education Consultant; Nancy Dahl, CISR; Heather Thorn, CISR; Kathy Smith, CISR, AU
CIC (Back Row) - Left to right: Steven Rindfuss, CIC; Anthony Kanne, CIC; Bernie Neff, CIC, CPCU, IA Education Consultant; Michael Cadwell, CIC, LUTCF; Zachary Mefferd, CIC CIC (Front Row) - Left to right: Megan McGee, CIC, CISR; Jennifer Beck, CIC, AINS, AIS; Tracy Mattix, CIC; Erica Stoll, CIC; Meredith Otis, CIC; Amber Tabor, CIC; Erik Horak-Hult, CIC, AU; Linsey Eiben, CIC, CISR
CSR of Year-Linsey Eiben
CIC FUN Group Photo: CIC Conferee’s letting Bernie know how they felt about the hard tests!
October 2015 | Main Street Industry News |www.pianeia.com| 27
PIA NE IA Events
Upcoming
Events Calendar 2014-2015 For information and to register Click Here or call (402) 392-1611. Date
Class/Webinar
Where
When
October 5, 2015
What We Learned: Claim and Coverage Issues from Catastrophes
NE/IA
Webinar 12:00 PM - 3:00PM
October 7, 2015
CyberMaster: Recognizing & Insuring Digital Assets & Electronic Risk
NE/IA
Webinar 12:00 PM - 3:00PM
October 7, 2015
CISR: Insuring Commercial Property
Cedar Rapids
Kirkwood Continuing Education Training Center
October 8, 2015
FMO: Ethics Taking it to the Streets
NE
Webinar 9:00 AM - 12:00 PM
October 13, 2015
The Ever-Evolving Affordable Health Care Act
NE/IA
Webinar 12:00 PM - 3:00PM
October 13, 2015
CPIA 3: Sustain Success
Des Moines
Hilton Garden Inn Des Moines/Urbandale
October 15, 2015
2015 Iowa CIC, CISR, CRM Conferment Lucheon
West Des Moines
Holiday Inn Hotel & Suites
October 15, 2015
CISR: Personal Lines Miscellaneous
Des Moines
Hilton Garden Inn Des Moines/Urbandale
October 19, 2015
CHAOS: Contracts, Hold Harmless, Additional Insureds and Other Stuff
NE/IA
Webinar 12:00 PM - 3:00PM
October 20, 2015
Get in the Ring: A look at Property Claims, Fights, & Decisions
NE/IA
Webinar 12:00 PM - 3:00PM
October 20, 2015
CPSR: Residential Property
Pierce
Town & Country Insurance
October 21, 2015
BIP(idy), BOP(idy), Boo(ze): Turning 3 Mundane Coverages into Magic
NE/IA
Webinar 12:00 PM - 3:00PM
October 22, 2015
Seven Ways to get Sued and How to Avoid Them
NE/IA
Webinar 12:00 PM - 3:00PM
October 26, 2015
Contractors: Insuring the Liability Exposures
NE/IA
Webinar 12:00 PM - 3:00PM
October 2015 | Main Street Industry News |www.pianeia.com| 29
PIA NE IA Events
October 29, 2015
Personal Lines Complications: Because Simple is just too darn Easy
NE/IA
Webinar 12:00 PM - 3:00PM
November 5, 2015
CISR: Agency Operations
Davenport
Saint Ambrose University
November 12, 2015
2015 Nebraska CIC, CRM, CSRM Conferment Lucheon
La Vista
Embassy Suites Omaha - La Vista
November 18, 2015
CISR: Insuring Personal Residential Property
Des Moines
Hilton Garden Inn Des Moines/Urbandale
November 19, 2015
Words Mean Things & Insurance is a Foreign Language
NE/IA
Webinar 12:00 PM - 3:00PM
December 3, 2015
Get in the Ring: A look at Property Claims, Fights, & Decisions
NE/IA
Webinar 12:00 PM - 3:00PM
December 7, 2015
The Ever-Evolving Affordable Health Care Act
NE/IA
Webinar 12:00 PM - 3:00PM
December 8, 2015
Ethics for Insurance Professinals
NE/IA
Webinar 1:00 PM - 4:00PM
December 10, 2015
Seven Ways to get Sued and How to Avoid Them
NE/IA
Webinar 12:00 PM - 3:00PM
December 15, 2015
CyberMaster: Recognizing & Insuring Digital Assets & Electronic Risk
NE/IA
Webinar 12:00 PM - 3:00PM
December 16, 2015
CHAOS: Contracts, Hold Harmless, Additional Insureds and Other Stuff
NE/IA
Webinar 12:00 PM - 3:00PM
December 17, 2015
Ethics: Taking it to the Streets
NE/IA
Webinar 3:00 PM - 6:00PM
Feb 24 - 26, 2016
CIC: Commercial Casualty Institute
Omaha
Double Tree
Feburary 11, 2016
CISR: Commercial Casualty 1
West Des Moines
LaMair - Mulock Condon Insurance (LMC)
Feburary 18, 2016
CISR: Commercial Casualty 1
Cedar Rapids
Kirkwood Continuing Education Training Center
Feburary 25, 2016
CISR: Insuring Personal Auto Exposures
Des Moines
Hilton Garden Inn Des Moines/Urbandale
March 29, 2016
CPIA 1: Position for Success
TBA
TBA
March 30, 2016
CISR: William T. Hold: Advanced Learning Seminar
Des Moines
Hilton Garden Inn Des Moines/Urbandale
October 2015 | Main Street Industry News | www.pianeia.com | 30
PIA NE IA Events
March 30 - April 1, 2016
CIC: Personal Lines Institute
West Des Moines
Holiday inn & Suites
April 13 - 15, 2016
CIC: Life & Health Institute
Lincoln
Marriott Courtyard
April 21, 2016
CISR: Agency Operations
Cedar Rapids
Kirkwood Continuing Education Training Center
April 26, 2016
CISR: Personal Lines Miscellaneous
Davenport
Saint Ambrose University
April 28, 2016
CPIA 1: Position for Success
Omaha
Hilton Garden Inn Omaha
May 17, 2016
CISR: Insuring Personal Auto Exposures
Cedar Rapids
Kirkwood Continuing Education Training Center
May 18 - 20, 2016
CIC: Commercial Casualty Institute
Cedar Rapids
Cedar Rapids Marriott
May 24, 2016
CISR: Commercial Casualty 2
Des Moines
Hilton Garden Inn Des Moines/Urbandale
June 16, 2016
CISR: Insuring Commercial Property
West Des Moines
LaMair - Mulock Condon Insurance (LMC)
June 22, 2016
CISR: Agency Operations
Davenport
Saint Ambrose University
July 20 - 22, 2016
CIC: Life & Health Institute
West Des Moines
Holiday inn & Suites
July 6 - 8, 2016
CIC: Agency Management Institute
Omaha
Double Tree
July 21, 2016
CISR: Personal Lines Miscellaneous
Des Moines
Hilton Garden Inn Des Moines/Urbandale
July 27, 2016
CPIA 2: Implement for Success
Omaha
Hilton Garden Inn Omaha
August 10, 2016
CISR: Insuring Commercial Property
Cedar Rapids
Kirkwood Continuing Education Training Center
August 23, 2016
CISR: Insuring Personal Auto Exposures
Davenport
Saint Ambrose University
August 24 - 26, 2016
CIC: Commercial Property Institute
Lincoln
Marriott Courtyard
September 15, 2016
CISR: Insuring Personal Residential Property
West Des Moines
LaMair - Mulock Condon Insurance (LMC)
September 27, 2016
CISR: Commercial Casualty 2
Cedar Rapids
Kirkwood Continuing Education Training Center
October 2015 | Main Street Industry News |www.pianeia.com| 31
PIA NE IA Events
September 28- 30, 2016
CIC: Agency Management Institute
Cedar Rapids
Cedar Rapids Marriott
October 6, 2016
CISR: Insuring Commercial Property
Davenport
Saint Ambrose University
October 11, 2016
CISR: Insuring Commercial Property
Des Moines
Hilton Garden Inn Des Moines/Urbandale
October 12, 2016
CPIA 3: Sustain Success
TBA
TBA
Oct 12 - 14, 2016
CIC: Personal Lines Institute
Omaha
Double Tree
October 13, 2016
CPIA 3: Sustain Success
Omaha
Hilton Garden Inn Omaha
November 16 - 18, 2016
CIC: Commercial Property Institute
West Des Moines
Holiday Inn Hotel & Suites
Introducing Cybersurance ™from Utica Nation Insurance Group. Security & Privacy Breach Protection from — cyber hackers, theft or loss of laptop, thumb-drives, etc.
October 2015 | Main Street Industry News | www.pianeia.com | 32
Provide Extra Protection for Unexpected Hospital Expenses With The PIA Trust
Hospital Income Plan HIP COVERAGE DESIGNED WITH LOCAL AGENTS IN MIND As a PIA Member* serving Main Street America, you and your employees** have access to a highquality, competitively priced HIP plan through the PIA Services Group Insurance Fund.
The cost of specialized services has risen steeply over the past decade, especially in the medical field. Help shield yourself and your family from the high cost of hospitalization with the supplemental PIA Trust Hospital Income Plan.
PIA SERVICES GROUP INSURANCE FUND
For more information about the supplemental PIA Trust Hospital Income Insurance plan, please contact your local PIA Affiliate or call the Plan Administrator at (800) 336-4759. Additional information is also available on-line at www.piatrust.com. * PIA National membership, when required, must be current at all times ** No minimum participation required
The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. Underwritten by Unimerica Insurance Company, Association Administrative Address, P.O. Box 17828, Portland, ME 04112-8828, under Policy Form AHI-5001-A (UIC). Insurance Program Administered by Lockton Risk Services.