PIA Connection - National Association of Professional Insurance

Coverage and Photos of the 2008 PIA Federal Legislative Summit
March 2008
pages 7, 10-11
National Association of Professional Insurance Agents
The PIA National Awards — Honoring the Best...PIA National Board Reaffirms Opposition to OFC...PIA President
Page on NCOIL Nat Cat Panel...PIAPAC Names Person of the Year...Controlling Our Destiny…2008 PIA FLS
From the President
President
Robert P. Page (LA)
[email protected]
O
President-Elect
Kenneth R. Auerbach, Esq. (NJ)
[email protected]
Through PIA, our association of choice, we are major players in what matters
most to our success, individually and together. A snapshot of one recent week illustrates the sense of commitment that the members of our association bring to PIA’s
mission to promote, protect and defend the integrity of our members, the value of
their profession and the success of their businesses.
Secretary/Assistant Treasurer
Brian Marino (FL)
[email protected]
ne attribute that sets professional insurance
agents apart is that as independent business people, we seek to control our own destiny. We are
not satisfied to be passive observers. We are active participants in building our own success.
In February, we held our annual Federal Legislative Summit in Washington, D.C.
For the third year in a row, our members urged their senators and representatives not
to approve a federal insurance regulator or an optional federal charter. Opposition
from PIA members and our allies has succeeded in preventing enactment of such proposals and we are steadfast in our determination to prevent them from ever passing.
Rather than compromise on such a core principle and cede our market share to
competitors who’d like to legislate us out of business, we engage the political process.
And when you are true to your beliefs, people respect you.
That PIA’s views in support of state insurance regulation are uniquely respected
and our support is sought was vividly illustrated by those who came to address us.
NAIC President Sandy Praeger opened the week delivering the keynote address at
the FLS. Then, NCOIL President Brian Kennedy closed the week speaking to the
PIA National Board of Directors.
It was also my distinct pleasure to participate in an NCOIL panel on natural
catastrophes, where I provided some of the insights I gained as an insurance agent in
Louisiana, helping my clients after Hurricane Katrina.
During our PIA board meeting, I outlined an initiative that I am calling Vision
2010/2020. A task force I have appointed is looking at a key concern for agents:
how to go about improving relationships with our carriers. The task force is in the
process of asking each PIA affiliate board to identify the top ten issues that need to
be addressed in order to improve the agency-company relationship.
The task force is also looking at the successful company surveys that are now conducted by several PIA affiliates, with the idea of expanding them to more states and
regions across the country. Carriers respect these surveys and look forward to their
results. They use them to improve their performance on the issues identified by
agents. The goal is to be proactive, instead of reactive.
As we face the future, we have two choices. We can wait for things to happen to
us, or we can make things happen for us. When we are merely reactive, we respond
to events that are out of our control. When we make things happen for us, we take
charge of our own future by actually shaping it.
Being proactive is how winners get to become winners. In public policy, in carrier relations, in issues advocacy — in everything PIA members do — we are actively
engaged in shaping our own futures and controlling our own destiny.
Robert Page
President
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Vice President/Treasurer
Jon D. Spalding (MI)
[email protected]
Immediate Past President
Donna L. Pile, CIC, CPIW (KY)
[email protected]
Executive Vice President
Len Brevik (PIA National)
[email protected]
PIA National Image
Committee Chairman
Wayne Wehr (HI)
[email protected]
Publisher/Editor-in-Chief
Ted Besesparis
[email protected]
Managing Editor/Advertising
Alexi Papandon
[email protected]
Government/Regulatory Affairs
Executive Editor
Patricia A. Borowski, CPIW, CAE
[email protected]
Contributing Editors
Mike Becker
Kellie Bray
David Eppstein
Production Editor
Laurel Prucha Moran
[email protected]
PIA Connection is published ten times
yearly by the National Association of
Professional Insurance Agents.
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Alexandria, Virginia 22314
©2008 All rights reserved.
The information in this publication is general in nature and is not intended to serve
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investment advisory or other professional
advice as to any reader’s particular situation. Users are encouraged to consult
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For additional information on any of the
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please access the PIA National website
May 2006
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PIA President Robert Page Speaks on Nat Cat
During NCOIL Panel
P
IA National President Robert Page participated on an
NCOIL panel entitled “Protecting the Home: Government
Solutions Versus Personal Responsibility.” Page was joined
on the panel by the Honorable Harry Simmons, Mayor of
Caswell Beach, North Carolina, representing the American
Shore & Beach Preservation Association; Dr. Howard Kunreuther of the Wharton School of Business; and Frank Kowalski,
representing the National Association of Realtors.
As a resident of Louisiana, Page was able to bring his personal
accounts of market recovery in coastal areas devastated by hurricanes. As PIA National president and member of the PIA NatCat Working Group, he spoke about PIA’s belief (borne from the
Nat-Cat experiences of PIA members) for the federal government to concentrate on their existing obligations and find ways
to help homeowners in the wake of a storm without discouraging personal responsibility.
President Page and the panelists discussed, among other topics, who is accountable for sufficient coverage and whether flood
insurance is the only problem. They also addressed the issue of
whether some government actions are enabling poor consumer
decisions. The panelists addressed the issue of how states should
balance real estate pressures with sound land use policies; and
many others.
PIA National welcomes this discussion about the reforms
needed to improve protection from and during, as well as recovery after, natural disasters. PIA will continue to work with
NCOIL, NAIC and other interested parties to pursue a compre-
PIA National President Robert Page, far right, taking part in the March 1, 2008
NCOIL panel entitled “Protecting the Home: Government Solutions Versus
Personal Responsibility.” Pictured with President Page, from the far left, are
Dr. Howard Kunreuther of the Wharton School of Business; panel moderator,
Representative Joseph Morelle (NY); The Honorable Harry Simmons, Mayor
of Caswell Beach North Carolina, representing the American Shore & Beach
Preservation Association; and Frank Kowalski, representing the National
Association of Realtors.
hensive national plan. PIA’s policy committees are regularly discussing these issues, providing valuable guidance for our national positions.
PIA National Board Reaffirms Opposition to OFC,
Support for State Insurance Regulation
T
he Board of Directors of the National Association of
Professional Insurance Agents (PIA) unanimously
passed a resolution on March 2 reaffirming — once
again — the association’s position in opposition to optional
federal charters for insurers and its support for state regulation
of insurance.
The unanimous reaffirmation by the PIA Board of Directors
came at the end of a week in which PIA members from around
the country traveled to Washington, D.C. for their annual Federal Legislative Summit. Top on the list of issues agents pressed
in their visits with senators and representatives was PIA’s firm
opposition to an OFC.
“Let there be no doubt: PIA is opposed to federal insurance
regulation in any form,” said PIA National President Robert
March 2008
Page. “Specifically, PIA is on record in opposition to all proposals calling for Optional Federal Charters (OFC) and the creation
of a federal insurance regulator.”
“Let there also be no doubt: PIA supports the states as the
functional regulators of the business of insurance,” Page said.
The president of the National Association of Insurance Commissioners (NAIC) Sandy Praeger gave the keynote address February 27 at the PIA legislative conference and the president of
the National Conference of Insurance Legislators (NCOIL) Rep.
Brian Kennedy of Rhode Island, spoke to the PIA National
Board of Directors March 2.
Both Praeger and Kennedy reconfirmed their respective
organizations’ opposition to OFC and thanked PIA for its steadfast support of state regulation of insurance.
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3
NAIC, NCOIL Presidents Speak During PIA Meetings
Praeger, Kennedy Thank PIA for Supporting State Regulation
T
he presidents of the National Association of
Insurance Commissioners (NAIC) and the
National Conference of Insurance Legislators
(NCOIL) both attended the recent PIA National
meetings and delivered similar messages in support of
continued regulation of insurance by the states, as
opposed to the federal government. Both reconfirmed their respective organizations’ opposition to
optional federal charters and thanked PIA for its
steadfast support of state regulation of insurance.
The NAIC president opened PIA’s week of meetings in Washington, D.C. and NCOIL’s president
provided closing remarks four days later.
Praeger Keynotes PIA FLS
NAIC President Sandy Praeger, who is also the
Kansas Commissioner of Insurance, delivered the
keynote address on February 27 at the PIA Federal
NAIC President and Kansas Commissioner of Insurance Sandy Praeger, poses with PIA
Legislative Summit, encouraging agents to take the
National President Robert Page; J. Robert Wooley, former Insurance Commissioner of
Louisiana and now advocating on behalf of professional insurance agents as an attorney
message to Capitol Hill that the state system of insurwith Adams and Reese, LLP; PIA National Executive Vice President Len Brevik; Andy
ance supervision is superior to proposals for federal
Beal, NAIC Deputy Executive Vice President and Chief Legal Officer (CLO); and Johnny
regulation.
Lee, Chairman of the PIA National Federal Affairs Committee.
“We’re seeing now more than ever the importance
for remaining state-focused,” said Praeger, as she discussed the American Insurance Association’s (AIA) criticism of
her recent open letter opposing OFC. “To help you make sure
that there’s a good market and a good environment for fair selling of products is something we really pride ourselves in. We see
Wall Street pressure on companies to produce profits, to keep
their ratings up, and sometimes we get a little concerned that
those profit motives are causing our consumers to be harmed.”
Praeger said the NAIC’s mission can be summed up with three
words: deter, detect and defend. “We’re there to deter bad things
from happening, we’re there to detect when bad things happen in
the marketplace, and we’re there to defend our consumers. You in
the agent community are the front line. I know in Kansas I look
to our agent community to understand what’s going on in the
marketplace, and often times I hear first from the agents when
something is happening that they know is inappropriate.”
Praeger said the large companies that are asking for a federal
regulator are hoping for less regulation. She said her colleagues at
the NAIC believe “there’s nothing really optional” about optional federal charters. Praeger added that what state regulators fear
NCOIL President Rep. Brian Kennedy of Rhode Island, 2nd from left, with
the most is that under an optional federal charter, the states “will
PIA National President Robert Page, Johnny Lee, Chairman of the PIA
be left to clean up the mess. We will be left with the consumer
National Federal Affairs Committee and PIA National Executive Vice President Len Brevik.
complaints, but not have the regulatory authority to enforce,
we’d have to rely on a federal regulator. To me, that’s absolutely
of a federal insurance regulator.
the worst-case scenario.”
“I was so pleased to see the item on your agenda that you just
NCOIL President Addresses PIA Board
acted on,” said Kennedy, referring to the resolution reaffirming
NCOIL President Rep. Brian Kennedy of Rhode Island spoke
PIA’s opposition to OFC and support of state insurance regulation
during the PIA National Board of Directors meeting on March 2.
that had just been unanimously adopted by the PIA National
He said he appreciates having the PIA as an ally in support of
Board. “NCOIL is adamantly against optional federal charters.
state regulation. Kennedy spoke about NCOIL’s active efforts in
We at NCOIL just passed a resolution on February 29 that reiterates
opposition to optional federal charters and to the establishment
Continued on page 13
March 2008
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5
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PIA Agents Blanket Capitol Hill During Federal
Legislative Summit
P
IA members spent February 27
and 28 participating in the 2008
PIA Federal Legislative Summit
(FLS) in Washington, D.C. The summit
began with a briefing for those arriving
early, followed later in the day by a full
legislative issues briefing.
NAIC President Sandy Praeger, who is
also the Kansas Commissioner of Insurance, delivered the keynote address on
February 27 at the PIA FLS, encouraging
agents to take the message to Capitol Hill
that an optional federal charter is the
wrong way to go.
“We’re seeing now more than ever the
importance for remaining state-focused,”
said Praeger, as she discussed the American Insurance Association’s (AIA) criticism of her recent open letter opposing
OFC. “To help you make sure that there’s
a good market and a good environment
for fair selling of products is something
we really pride ourselves in. We see Wall
Street pressure on companies to produce
profits, to keep their ratings up, and
sometimes we get a little concerned that
those profit motives are causing our consumers to be harmed.”
The delegation from PIA of Florida poses with Sen. Bill Nelson (D), fifth from left, after speaking with him
about issues that are important to professional insurance agents.
Praeger said the NAIC’s mission can
be summed up with three words: deter,
detect and defend. “We’re there to deter
bad things from happening, we’re there to
detect when bad things happen in the
marketplace, and we’re there to defend
our consumers. You in the agent community are the front line. I know in Kansas I
look to our agent community to underContinued on page 10
PIAPAC Names Person of the Year
T
he Professional Insurance Agents Political Action Committee (PIAPAC) named
Mike Just of Hazen, North Dakota the 2007 PIAPAC Person of the Year. The
presentation was made February 28th at the annual PIAPAC fundraising dinner
in Washington, D.C. The dinner was held at the Reserve Officers Association, just
steps from the U.S. Capitol.
Just began his insurance career 20 years ago. He quickly became acquainted with the
North Dakota Professional Insurance Agents (NDPIA) in 1988 and began serving on
their board in 1995. He was elected NDPIA president for the 2004-2005 year. A long
time political action committee supporter, Just recently attended his 15th consecutive
Federal Legislative Summit.
In addition, PIAPAC Chairman Harper Young recognized the 2007 top contributors. This year’s distinguished awardees included members of the President’s Silver,
President’s Circle and Chairman’s Caucus as well as the State Executives Award. Young
Mike Just of Hazen, North Dakota, shown at right,
also presented awards to the 2007 Chairman’s Challenge states. The Chairman’s Chalreceives the 2007 PIAPAC Person of the Year
lenge is a call to all affiliate board members to participate in PIAPAC. States that
award from PIAPAC Chairman Harper Young.
achieve 100% participation win this award. This year’s winners were Florida,
Louisiana, Michigan, Nebraska, and North Dakota.
Dinner attendees enjoyed a keynote address by Chef Walter Scheib, former Executive Chef at the White House. Chef Scheib
offered a unique perspective of Washington from his eleven years of service in the White House, working for both Hillary Clinton and
Laura Bush. PIAPAC thanks Bankers Insurance Group for sponsoring this year's fundraising dinner.
March 2008
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PIA’s National Award Winners:
PIA National Names Kenneth A. Bowles
2008 Professional Insurance Agent of the Year
K
enneth A. Bowles, CIC, CPIA, CISR, PLCS, CLCS, has been
named the 2008 PIA National Professional Agent of the Year by
PIA National. The award was presented during a luncheon on
March 1, 2008 in Arlington, Virginia.
Bowles was honored for his tireless work on behalf of professional
insurance agents, his commitment to the highest standards of professionalism in his industry, his active leadership in PIA and his dedication to his
community.
“Each year, PIA National honors one of our best and without a doubt,
Ken Bowles is one of PIA’s best,” said PIA National President Robert Page,
who presented the award, the association’s highest honor to an individual
agent. “He has demonstrated a deep level of commitment to our industry
and his fellow PIA members. He personifies what it means to be a professional, independent agency owner.”
Bowles is owner of The Archer Agency/Rogers Agency of Kingsport,
Tennessee. He formed The Archer Agency from scratch in 1991 and purchased the Rogers agency in 2003.
Bowles is an insurance educator who teaches a wide array of continuing
education courses for the PIA of Tennessee along with PIA of Nebraska
and Iowa and has written several of the courses that he teaches. Bowles is a
senior instructor for Commonwealth Academy of Professional Education.
PIA National President Robert P. Page of Houma, Louisiana, left,
He is a member of the Insurance Liaison Committee of Middle Tennessee
congratulates Kenneth A. Bowles, CIC, CPIA, CISR, PLCS, CLCS,
State University and also serves as a member of the selection committee for
the winner of the 2008 PIA National Professional Agent of the
the Tennessee Insurance Hall of Fame at MTSU.
Year award. Bowles is a principal of the Rogers Agency, Inc. /
A firm believer in the importance of insurance education, Bowles is
The Archer Agency located in Kingsport, Tennessee.
adamant that his employees are among the best educated in insurance in
his area. He requires each of them to attain a professional designation of their choice which he pays for in its entirety.
Bowles was the recipient of the 2007 PIA of Tennessee Professional Agent of the Year Award.
PIA National Names Bart Straka 2008 National
Young Insurance Professional of the Year
2008 PIA National Young
Insurance Professional
of the Year Bart A. Straka, CIC, of TRICOR
Insurance & Financial
Services, far right, with
(from left to right) PIA
National President
Robert P. Page, Elaine
Tolen, Assistant Editor
of Rough Notes magazine, sponsor of the
award, and Donna Chiapperino, Chairman of
the PIA National Young
Insurance Professional
Advisory Council.
B
art Straka, CIC, has been named the
2008 PIA National Young Insurance
Professional of the Year. The award was
presented March 1, 2008 by PIA National and
was sponsored by Rough Notes magazine.
Straka is Vice President/Commercial Sales
Manager of TRICOR, Inc., a PIA member
agency in Lancaster, Wisconsin.
The PIA National Young Insurance Professional of the Year Award recognizes outstanding
achievement by an individual under age 40. The
award was presented during a luncheon ceremony on March 1 in Arlington, Virginia.
8
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March 2008
the Best of the Best
Barb Markwell Named 2008 Customer
Service Representative of the Year
B
arb Markwell, ACSR, CPIA, was
named the 2008 PIA National
Customer Service Representative
of the Year on March 1, 2008 during a
ceremony in Arlington, Virginia. The
award was presented by PIA National and
was sponsored by The Hartford Financial
Services Group, Inc.
Markwell was honored for her outstanding professionalism as a customer
service representative. She works for a
PIA member agency, Templeton Insurance of Spring, Texas.
“This year’s recipient of the PIA
National CSR of the Year award is a consummate professional who epitomizes the
attributes of an outstanding customer
service representative,” said PIA National
President-elect Kenneth R. Auerbach,
Esq., who presented the award. “She
exhibits the highest degree of professionalism and involvement both with her
clients and her community, and is committed to achieving excellence.”
The PIA National Customer Service
Representative (CSR) of the Year Award is
given annually to an outstanding agency
customer service representative who works
for a PIA member insurance agency. Nominations for this award are made by PIA
members.
The award recognizes a CSR who has
improved operations of the agency, served
clients in a unique or extraordinary way
and engaged in community involvement
and activities to advance the betterment
of the insurance industry. The CSR award
is sponsored by The Hartford, a member
carrier of The Partnership (formerly the
PIA-CCEO) and a charter carrier sponsor
of the PIA Branding Program, Local
Agents Serving Main Street America.SM
“We congratulate Barb Markwell for
being named the 2008 PIA National
Customer Service Representative of the
Year,” said Dan Brown, executive vice
president for sales and distribution for
The Hartford. “At The Hartford, we have
long recognized and appreciated the
many hats CSRs wear in their agencies.
As the 2008 National CSR of the Year
award winner, Barb represents the talent
and dedication consistently shown by
CSRs and the essential role they play in
providing exceptional service for their
customers.”
“The Hartford’s commitment to the
ongoing partnership with professional
insurance agents is exemplary and its dedication to recognizing the key role customer service representatives play in our
agencies strengthens that partnership,”
said Auerbach. “PIA is pleased to welcome The Hartford’s sponsorship of the
PIA National Customer Service Representative of the Year Award.”
Straka was honored for his many activities in support of professional insurance agents and his efforts to attract more young
people into the insurance industry. Straka has worked tirelessly
to introduce young people to the insurance industry as a past
chair of the PIA of Wisconsin Young Professionals Committee.
He has also participated in career and job fairs at universities
and technical schools throughout Wisconsin.
“Bart is an outstanding example of a young insurance professional who has contributed greatly to his profession, his industry and his community,” said PIA National President Robert
Page. “He believes in giving back to our industry by helping to
attract the new talent we all need to succeed. Bart Straka exemplifies the high level of commitment and achievement this
award is designed to reflect.”
March 2008
2008 PIA National Customer Service Representative of the Year Barb Markwell, ACSR, CPIA, of the
Templeton Insurance Agency in Spring, Texas,
with PIA National President Robert P. Page, left,
and David Moore, Assistant Vice President, Marketing for The Hartford, sponsor of the award.
The Hartford, a Fortune 100 company, is one of the nation’s largest diversified
financial services companies, with 2007
revenues of $25.9 billion. The Hartford is
a leading provider of investment products, life insurance and group benefits;
automobile and homeowners products;
and business property and casualty insurance. International operations are located
in Japan, Brazil and the United Kingdom. The Hartford’s Internet address is
www.thehartford.com.
The PIA National Young Insurance Professional of the Year
Award was sponsored by Rough Notes magazine for the third
year in a row.
Walter J. Gdowski, the President & CEO of the Rough Notes
Company noted, “Attracting more young people to join our
industry is a critical mission. We are pleased to again join with the
PIA to recognize the outstanding young insurance professionals
who are making our industry their career choice.”
“Encouraging young people to consider a career as a professional insurance agent must be a top priority for all of us,” Page
said. “We are particularly pleased to partner with the Rough
Notes Company in this important effort.”
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9
Continued from page 7
Coverage and Photos of the 2008 PIA Federal Legislative Summit
stand what’s going on in the marketplace,
and often times I hear first from the
agents when something is happening that
they know is inappropriate.”
Time to Block OFC Again
PIA National Executive Vice President
& CEO Len Brevik provided an overview.
Brevik noted that agents again have as
their top item at the 2008 PIA Federal
Legislative Summit opposition to optional federal charters — for the third year in
a row. He reminded participants that
even though it was the third year of OFC
opposition, delivering the message is still
important because the threat of federal
regulation remains real. But he also noted
that agents have been winning the antiOFC debate.
“It is no coincidence that the OFC has
been stalled in Congress for the past three
years,” said Brevik. “One of the big reasons it is stalled is due to the opposition
of Main Street insurance agents — your
opposition.”
“The Chairman of the House Financial Services Committee, Barney Frank,
said that OFC will never pass in Congress
as long as it is opposed by local insurance
agents,” Brevik said. “That’s you. You
have made the difference. For the past two
years, you have blocked passage of the
National Insurance Act — and tomorrow,
your mission is to block it again!”
Brevik reminded the FLS participants
whenever they speak to lawmakers, they
are in the powerful position of being the
lawmakers’ local constituents. “You represent the people in their districts who will
decide whether or not to vote for them,
based on whether or not they support
PIA’s positions.” This is especially compelling in an election year, he added.
“PIA is adamantly opposed to all proposals for federal regulation of insurance,” said PIA National President
Robert Page. “State oversight of our
industry has worked well for over a century. As local Main Street insurance
agents, our members oppose the creation
PIA members from Wisconsin speak with Rep. James Sensenbrenner, Jr. (R)
during the Thursday, February 28, 2008 PIA Federal Legislative Summit.
ABC-TV News correspondent and Good Morning America commentator Claire Shipman
addresses FLS participants before they head
off to Capitol Hill.
10
PIA National Director Fred Thomas of
Montana, left, poses with Sen. Max
Baucus (D) after their meeting.
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of a big, new federal insurance bureaucracy that these proposals require. We
believe the best regulation is that which is
closest to the people.”
Todd Harper, Staff Director for the
House Financial Services Committee,
provided FLS participants with an
overview of upcoming hearings regarding
insurance topics, including an April hearing scheduled by Rep. Paul Kanjorski’s
Capital Markets Subcommittee. That
hearing will focus on options for insurance regulation including OFC, as well as
the NAIC’s Interstate Compact.
Capitol Hill Meetings
On Thursday, February 28, FLS participants held a kickoff breakfast during
which ABC-TV News correspondent and
Good Morning America commentator
Claire Shipman addressed the group.
Then, PIA delegations spent the day visiting their Members of Congress.
“The FLS is an important way for PIA
agents to meet with their representatives
PIAPAC Chairman Harper Young of Mississippi, left, meets with
Sen. Roger Wicker (R) during the 2008 PIA Federal Legislative
Summit.
Members of PIA ND hear from Rep. Earl Pomeroy (D)
during their 2008 FLS meetings.
March 2008
in Congress and make them aware of the
issues that affect us as agents and that
affect our clients,” said Johnny Lee,
Chairman of the PIA National Federal
Affairs Committee.
“There is no better way to get our
message out than to meet ‘face to face’
with your congressman and discuss the
issues. PIA National provides you with all
of the information you need to discuss
these issues with your representatives. It is
a wonderful event to take part in and very
worthwhile,” Lee said.
In addition to the Capitol Hill meetings, groups of PIA members held meetings with federal officials responsible for
the National Flood Insurance Program
(NFIP) and the federal crop insurance
program.
At the USDA’s Risk Management
Agency, PIA members met with RMA
Administrator Eldon Gould and two
other top staff members. And at FEMA,
PIA members met with Ed Connor,
Deputy Director of Insurance for FEMA’s
Mitigation Division.
“The meeting with RMA was interesting,” said Jeff Albritton, a member of PIA
of Florida who specializes in crop insurance. “It is very helpful for RMA to hear
feedback from those who operate where
the rubber meets the road. I can see how
it would become very easy to be disconnected from the agent perspective without meetings like this.”
“Since RMA usually will only deal
directly with the carrier, it was nice to
have our voice heard. I think it would be
beneficial for PIA to find a few more crop
insurance agents from the east coast to
weigh in on the national picture. I really
enjoyed my time in D.C. and look forward to being invited back in the future,”
Albritton said.
Thanks to Our Sponsors
We would like to thank the sponsors
of the 2008 PIA Federal Legislative Sum-
mit: Platinum Level sponsor The Partnership; Gold Level sponsors American
Association of Managing General Agents
(AAMGA), Harleysville Insurance and
The Hartford; Silver Level sponsors
Motorists Insurance Group and Travelers;
and our Bronze Level sponsors Bristol
West Insurance Group and State Auto
Insurance Companies.
Thank You to the Sponsors
of the 2008 PIA Federal
Legislative Summit
Platinum Level Sponsors
Gold Level Sponsors
The PIA Partnership
American Association of Managing
General Agents (AAMGA)
Harleysville Insurance
The Hartford
PIA National Director Richard A. Clements of Louisiana, left, meets with
Rep. Rodney Alexander (R).
Greg Luce and PIA National Director Elizabeth (Liz) Luce of Wyoming
meet with Sen. Michael Enzi (R) while his staff creates a list of action
items in the background.
March 2008
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11
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Continued from page 5
NAIC, NCOIL Presidents Speak to PIA
that; we’re going to be sending that resolution on to our congressional delegations as well.”
“The so-called National Insurance Act, like the proposal to
repeal McCarran-Ferguson, is another example of legislation that
does nothing for consumers and would create a new bloated
bureaucracy that does not benefit America’s taxpayers,” Kennedy
said. “The proposal has the potential to allow large financial services entities to enter and exit markets across the country, whenever and wherever they desire. This could potentially disrupt the
marketplaces and diminish consumer choices.”
Kennedy also said that NCOIL would work together with PIA
to modernize the state system of insurance supervision — a system
that he acknowledged as not ideal, but still the best in the world.
He expressed appreciation for PIA’s assistance in NCOIL’s groundbreaking study on state authority. The recommendations and findings in the report will be the foundation of NCOIL activity for
years to come, according to the NCOIL president.
NAIC, NCOIL Set Aside Differences
Perhaps it was emblematic of a new attitude that the presidents of the NAIC and NCOIL, respectively, opened and closed
March 2008
the PIA meetings in Washington, D.C. That’s because both
groups appear to be setting aside their differences for the immediate imperative of opposing the latest push in Congress on the part
of the advocates of federal regulation of insurance.
After long periods of tension and mutual recrimination, a certain detente has settled over their relationship, the leaders of both
organizations say. Both NAIC and NCOIL released a joint statement along with the National Conference of State Legislatures
(NCSL) reaffirming their commitment to work together to defeat
optional federal charters.
“We have the same goals. We serve the same master,” said
Praeger, the Kansas Insurance Commissioner. “Our primary
responsibility is to insurance consumers and that’s who we’re
responsible for.”
“There’s definitely been a thaw in this whole thing,” agreed
Kennedy. “There’s a lot more openness that’s taken place here.
There’s a lot more discussion taking place. I’ve made a commitment that I want to work with Sandy and her executive officers
and she has agreed to the very same thing, so I think we can get
some things accomplished this year.”
www.pianet.com
13
GEORGIA
The PIA of Georgia, Inc., 3805 Crestwood Pkwy NW #140, Duluth, GA 30096
PHONE: (770) 921-7585 • FAX: (770) 921-7590
e-mail: [email protected] • Web Site: www.piaga.com
HAWAII
PIA of Hawaii, 146 Hekili St # 201A, Kailua, HI 96734-2835
PHONE: (808) 261-9460 • FAX: (808) 262-5355
e-mail: [email protected] • Web Site: www.piahawaii.com
ILLINOIS
PHONE: (703) 836-9340 • FAX: (703) 836-1279
e-mail: [email protected] • Web Site: www.pianet.com
INDIANA
PIA of Indiana, 600 Cross Pointe Road, Gahanna, OH 43230
PHONE: (614) 552-8000 • (800) 555-9742 • FAX: (614) 552-0115
e-mail: [email protected] • Web Site: www.indianapia.com
KANSAS
Kansas Association of PIA
103 SE 10th Ave., Topeka, KS 66612
PHONE: (785) 232-4143 • FAX: (785) 232-0272
e-mail: [email protected] • Web Site: www.KansasPIA.org
KENTUCKY
PIA of Kentucky, P.O. Box 4205, Frankfort, KY 40604-4205
PHONE: (502) 875-3888 • FAX: (502) 227-0839
e-mail: [email protected] • Web Site: www.piaky.org
LOUISIANA
PIA of Louisiana Inc., 8064 Summa Avenue, Suite C, Baton Rouge, LA 70809
PHONE: (225) 766-7770 • (800) 349-3434 LA only • FAX: (225) 766-1601
e-mail: [email protected] • Web Site: www.piaoflouisiana.com
MAINE
Maine Insurance Agents Association, 432 Western Avenue, Augusta, ME 04330
PHONE: (207) 623-1875 • FAX: (207) 626-0275
e-mail: [email protected] • Web Site: www.maineagents.com
MARYLAND
Insurance Agents & Brokers of Maryland
P.O. Box 2023, Mechanicsburg, PA 17055-0763
PHONE: (717) 795-9100 • FAX: (717) 795-8347
e-mail: [email protected] • Web Site: www.iabgroup.com
MASSACHUSETTS
PHONE: (703) 836-9340 • FAX: (703) 836-1279
e-mail: [email protected] • Web Site: www.pianet.com
MICHIGAN
The Association of PIA, 4550 Cascade Road SE, Suite 205-B,
Grand Rapids, MI 49546-3697
PHONE: (616) 454-4461 • FAX: (616) 454-4491
e-mail: [email protected] • Web Site: www.mipia.com
MINNESOTA
PIA of Minnesota, 3600 Holly Lane N. #90, Plymouth, MN 55447
PHONE: (763) 694-7070 • FAX: (800) 546-3428
e-mail: [email protected] • Web Site: www.piamn.com
MISSISSIPPI
PIA Association of Mississippi, 4 River Bend Place, #115, Jackson, MS
39232
PHONE: (601) 936-6474 • FAX: (601) 936-6477 • (800) 898-0136 MS only
e-mail: [email protected] • Web Site: www.piams.com
MISSOURI
Missouri Association of Insurance Agents
P.O. Box 1785, Jefferson City, MO 65102-1785
PHONE: 573-893-4301 • FAX: 573-893-3708
e-mail: [email protected] • Web Site: www.missouriagent.org
MONTANA
PIA of Montana, 3205 NE 78th St Ste 104, Vancouver, WA 98665-0697
PHONE: (888) 246-4466 • FAX: (360) 571-7600
e-mail: [email protected] • Web Site: www.piawest.com
14
NCOIL Update
P
IA attended the meetings of the
National Conference of Insurance
Legislators (NCOIL), which were
held in Washington, D.C. simultaneously
with the PIA National meetings. Some
highlights:
All States Compact on Track: On February 29, NCOIL’s State-Federal Relations Committee decided to send a letter
to insurance committee leadership and
insurance commissioners from non-member states of the Interstate Insurance Product Regulation Compact (IIPRC). The
letter, sponsored by NCOIL President
Rep. Brian Kennedy (RI), outlines the
many advantages of joining the compact,
including promoting state uniformity and
increasing speed-to-market for certain life
insurance products, and urges non-member states to enact compacting legislation.
As with the NAIC, an NCOIL working group is considering the further
developments and expansion plans that
the life sector has for the purpose, use
and functions of the current all states
compact for life.
Implementation of Study on State
Authority: On February 28, during a
meeting of the Insurance Legislators
Foundation (ILF) Board, a select subcommittee comprised of NCOIL officers and
past presidents, discussed efforts to implement recommendations contained in an
ILF Study on State Authority. NCOIL
President Rep. Brian Kennedy (RI) — following Executive Committee adoption of
the study recommendations at the 2007
Annual Meeting — formed the subcommittee and charged it with considering
such implementation.
NCOIL President Brian Kennedy
expressed appreciation for PIA’s fundamental role in their groundbreaking study
on state authority to the PIA National
Board of Directors during his speech
March 2.
www.pianet.com
affiliates
affiliates
ALABAMA
PIA of Alabama, 1276 Perry Hill Rd, Montgomery, AL 36109
PHONE: (334) 244-7422 • FAX: (334) 244-9921
e-mail: [email protected] • Web Site: www.piaal.com
ARKANSAS
PIA of Arkansas Inc., 10 Corporate Hill Dr., Suite 130, Little Rock, AR 72205
PHONE: (501) 225-1645 • FAX: (501) 225-2550
e-mail: [email protected] • Web Site: www.piaar.com
CA/NV/AZ/NM
PIA Group, 3205 Northeast 78th St #104, Vancouver, WA 98665
PHONE: (888) 246-4466 • FAX: (360) 571-7600
e-mail: [email protected] • Web Site: www.piawest.com
COLORADO
PHONE: (703) 836-9340 • FAX: (703) 836-1279
e-mail: [email protected] • Web Site: www.pianet.com
CONNECTICUT
PIA of Connecticut, P.O. Box 997, Glenmont, NY 12077-0997
PHONE: (800) 424-4244 • FAX: (518) 434-2342
e-mail: [email protected] • Web Site: www.piaonline.org
DELAWARE
Insurance Agents & Brokers of Delaware
P.O. Box 2023, Mechanicsburg, PA 17055-0763
PHONE: (717) 795-9100 • FAX: (717) 795-8347
e-mail: [email protected] • Web Site: www.iabgroup.com
FLORIDA
PIA of Florida, Inc., 1390 Timberlane Road, Tallahassee, FL 32312-1766
PHONE: (850) 893-8245 • (800) 277-1171 FL only • FAX: (850) 893-8316
e-mail: [email protected] • Web Site: www.piafl.org
NEBRASKA/IOWA
PIA of Nebraska/Iowa, 920 South 107th Avenue, Suite 305, Omaha, NE 68114
PHONE: (402) 392-1611 • FAX: (402) 392-2228
e-mail: [email protected] • Web Site: www.pianebraska.com
NEW HAMPSHIRE
PIA of New Hampshire, P.O. Box 997, Glenmont NY 12077-0997
PHONE: (800) 424-4244 • FAX: (518) 434-2342
e-mail: [email protected] • Web Site: www.piaonline.org
NEW JERSEY
PIA New Jersey, P.O. Box 997, Glenmont NY 12077-0997
PHONE: (800) 424-4244 • FAX: (518) 434-2342
e-mail: [email protected] • Web Site: www.piaonline.org
NEW YORK
PIA New York, P.O. Box 997, Glenmont NY 12077-0997
PHONE: (800) 424-4244 • FAX: (518) 434-2342
e-mail: [email protected] • Web Site: www.piaonline.org
NORTH CAROLINA
PIANC, 16976 Justice Branch Road, Littleton, NC 27850
PHONE: (704) 892-4645 • (877) 337-4262 • FAX: (704) 892-4645
e-mail: [email protected] • Web Site: www.piaofnc.com
NORTH DAKOTA
PIA of North Dakota
1211 Memorial Hwy Holiday Park Office #6, Bismarck, ND 58504-5213
PHONE: (701) 223-5025 • (800) 733-1050 ND&MN only
FAX: (701) 223-9456 • e-mail: [email protected] • Web Site: www.piand.com
OHIO
PIA of Ohio, Inc., 600 Cross Pointe Road, Gahanna, OH 43230
PHONE: (614) 552-8000 • (800) 555-1742 • FAX: (614) 552-0115
e-mail: [email protected] • Web Site: www.ohiopia.com
OKLAHOMA
PIA of Oklahoma, P.O. Box 12921, Oklahoma City, OK 73157
PHONE: (405) 942-1119 • FAX: (405) 943-4380
e-mail: [email protected] • Web Site: www.piaok.com
OREGON/IDAHO
PIA of Oregon/Idaho, 3205 Northeast 78th Street, #104, Vancouver, WA 98665
PHONE: (503) 287-7570 • FAX: (360) 571-7600
e-mail: [email protected] • Web Site: www.piawest.com
PENNSYLVANIA
Insurance Agents & Brokers of Pennsylvania
P.O. Box 2023, Mechanicsburg, PA 17055-0763
PHONE: (717) 795-9100 • FAX: (717) 795-8347
e-mail: [email protected] • Web Site: www.iabgroup.com
PUERTO RICO & CARIBBEAN
PIA of Puerto Rico and the Caribbean Inc
PO Box 192389, San Juan, PR 00919-2389
PHONE: (787) 792-7849 • FAX: (787) 792-4745
e-mail: [email protected] • Web Site: www.piaofpr.com
RHODE ISLAND
PHONE: (703) 836-9340 • FAX: (703) 836-1279
e-mail: [email protected] • Web Site: www.pianet.com
SOUTH CAROLINA
PIA of South Carolina, PO Box 21367, Columbia, SC 29221-1367
PHONE: (803) 772-0557 • (888) 742-6372 • FAX: (803) 772-0846
e-mail: [email protected] • Web Site: www.piasc.net
SOUTH DAKOTA
PHONE: (703) 836-9340 • FAX: (703) 836-1279
e-mail: [email protected] • Web Site: www.pianet.com
TENNESSEE
PIA of Tennessee Inc, 504 Autumn Springs Court Suite A-2, Franklin, TN 37067
PHONE: (615) 771-1177 • FAX: (615) 771-3456
e-mail: [email protected] • Web Site: www.piatn.com
TEXAS
Texas Insurance Professionals, P. O. Box 90908, Austin, TX 78709-0908
PHONE: (512) 301-0226 • FAX: (512) 301-0265
e-mail: [email protected] • Web Site: www.piatx.org
UTAH
Utah Association of Independent Insurance Agents
4885 S. 900 E., Suite 302, Salt Lake City, UT 84117
PHONE: (801) 269-1200 • FAX: (801) 269-1265
e-mail: [email protected] • Web Site: www.uaiia.org
VERMONT
Vermont Insurance Agents Association, P.O. Box 1387, Montpelier, VT 05601
PHONE: (802) 229-5884 • FAX: (802) 223-0868
e-mail: [email protected] • Web Site: www.viaa.org
VIRGINIA/DC
PIA Assn of Virginia & DC, 8751 Park Central Dr., Ste 140, Richmond, VA 23227
PHONE: (804) 264-2582 • FAX: (804) 266-1075
e-mail: [email protected] • Web Site: www.piavadc.com
WASHINGTON/ALASKA
PIA of WA/AK, 3205 Northeast 78th Street, #104, Vancouver, WA 98665
PHONE: (360) 571-7100 • FAX: (360) 571-7600
e-mail: [email protected] • Web Site: www.piawest.com
WEST VIRGINIA
PHONE: (703) 836-9340 • FAX: (703) 836-1279
e-mail: [email protected] • Web Site: www.pianet.com
WISCONSIN
PIA of Wisconsin, Inc., 6401 Odana Road, Madison, WI 53719-1126
PHONE: (608) 274-8188 • (800) 261-7429 • FAX: (608) 274-8195
e-mail: [email protected] • Web Site: www.piaw.org
WYOMING
Assoc. of Wyoming Ins. Agents, PO Box 799, Sundance, WY 82729-0799
PHONE: (307) 283-2052 • FAX: (775) 796-3122
e-mail: [email protected] • Web Site: www.awia.com
March 2008
PIA Prepares to Release Radio Ads for
Professional Insurance Agents
A
s this issue of PIA Connection goes
to press, PIA National is only
weeks away from releasing a series
of 28 radio advertisements as part of the PIA Branding Program, Local Agents Serving Main Street America.SM
Like the program’s print advertisements, these ads tout the
importance of turning to a Professional Insurance Agent when
purchasing insurance for one’s auto, home, business or life.
They stress the personal service and choice that only Professional Insurance Agents provide. They shine a bright light on the
advantages of working with Professional Insurance Agents and
the deficiencies of direct writers and captive agents. And they
remind listeners that PIA members are local, Main Street
agents, who live in their communities.
Like their print counterparts, these ads will be available to
PIA members free of charge and can be tagged with your
agency contact information. We encourage PIA members to
check with their appointed carriers to see if they qualify for coop dollars that might be available for these new radio advertisements.
Starting in mid-April, these ads will be available through PIA
National’s website at www.pianet.com/piabrandingprogram.
Additionally, PIA will offer additional tips to assist agents in
their radio advertising campaigns.
Join us as we take the next big step forward in demonstrating
that Professional Insurance Agents are Local Agents Serving
Main Street America.SM
Visit the PIA Main Street Store at www.PIANET.com or use the information below to act now.
Insurance Products
■ Errors and Omissions Insurance
Solid E&O protection built around your
unique needs. (800) 742-6900 Ext. 382
■ Penn National Insurance Agent’s
Umbrella Program
Comprehensive and affordable excess
insurance protection includes E&O and
Business Liability coverage with available
endorsements for EPL and Personal Coverage. Call your local PIA affiliate or (800)
742-6900 Ext. 382
■ The Insurance On-line Network (ION)
Easy-to-use, on-line, multi-carrier, term life
quoting system. www.PIANET.com/ION
■ Agency Revenue Tools
Employee worksite marketing using your
appointed markets at regular commission
rates. (703) 518-1363
■ Hartford Flood Insurance
■ Central Licensing Bureau
Easy enrollment process, competitive commissions, advanced Internet services, plus a
variety of programs and surplus lines. Call
(888) 410-2963 x73932 or visit
www.hartfordfloodinsurance.com
Save time and money by using CLB for all
your agency licensing needs. (501) 664-8044
■ Unimerica Products
■ Free Subscription
Basic, Voluntary and Dependent Term Life;
Long Term Disability; Short Term Disability;
ADD; Hospital Indemnity (800) 336-4759;
www.piatrust.com
PIA members, receive a free subscription
to Rough Notes magazine at
www.pianet.com/FreeSubscriptions
■ Mines Press Calendar Products
Financial Services
Personalized calendars at member only
prices. (800) 447-6788
■ Bank of America Financial Products
■ Omnia Employee Profiling
Tell the BoA operator you are a member of
the “National Association of Professional
Insurance Agents.” Personal cards: (800)
932-2775. Business cards: (800) 598-8791.
Gold Option Loan Program: (888) 332-5233.
CDs: (800) 900-6653.
Skills and personality testing. Contact
Sean Neumeyer at (800) 525-7117 Ext. 1242.
“PIA Plus” Products/Discounts
■ Consumer Brochures
Answer clients’ questions with professional
brochures from PIA. (703) 518-1353.
■ Online Data Backup & Recovery
Backup critical files to a secure, remote
location through Courtesy Computers,
the insurance agency specialists.
www.pianet.com/courtesy
■ Rough Notes Agency OnLine
■ Catastrophe Major Medical
■ PIA Logo Wear & Gear
The $2,000,000 Catastrophe Major Medical
Insurance Plan picks up where your basic
coverage leaves off! (800) 503-9230;
https://www.personal-plans.com/pia
Shirts, jackets, mugs and more with the PIA
Main Street Logo featuring PIA’s new tagline,
Local Agents Serving Main Street America .
http://promotiontechnology.com/pia.html
Helps identify risk exposures and provides
detailed coverage analysis. Avail. to PIA members for $400 annually (reg. $1,699).
Call 800-428-4384. Use your PIA member ID#
above name on mailing label.
■ GE Auto Warranty Services
■ On-Line CE and Skills Courses
■ Sircon’s Producer Workbench
Available to agents in participating states
at www.PIANET.com/Education For other
educational programming, including
designation programs, please contact
your local PIA affiliate.
Meet your licensing and renewal needs
quickly and easily on the web. PIA memberonly 15% discount. Visit www.PIANET.com/
Sircon
■ United Parcel Service
■ Alamo Car Rental
Receive reduced rates on many popular
overnight and 2nd day air shipping
options. Call (800) 325-7000 or your local
UPS representative and mention “Bid
Code #CP990007896.”
Market a proven vehicle service contract program to auto dealerships. (800) 782-9753.
■ PIA Health
Quality health insurance for you, your
employees and families through a top insurer in your area. Coverage and product availability vary by state. (800) 742-6900 Ext. 382
SM
Get unlimited mileage and up to 20% off
already low retail rates. 1-800-GO-ALAMO
(1-800-462-5266) (I.D. # 93140)
Visit www.PIANET.com for additional Member Benefits including the PIA Branding Program, Guide to
Successful Planning, Perpetuation Central, Agency Agreement Review Service, PIA logos and more.
Help Build Your Family’s Financial Future With
PIA Trust Insurance Plans
INSURANCE PLANS DESIGNED
WITH LOCAL AGENTS IN MIND
As a PIA Member* serving
Main Street America, you and
your employees have access
to a variety of high-quality,
competitively priced
insurance plans.
A contribution to PIAPAC is like buying insurance on your future.
PIAPAC is the Professional Insurance Agents Political Action
Committee. The PAC contributes to the campaigns of candidates
for federal office who support our issues and share the proinsurance, pro-business perspective of PIA members. By
supporting these candidates, PIAPAC helps maintain an
environment in which Professional Insurance Agents can thrive.
Please take a moment now to support PIAPAC.
Visit www.pianet.com/PIAPAC or contact PIAPAC at
(703) 518-1365, [email protected]
Insuring the Future of Professional Insurance Agents
Plans available include:
! Basic Term Life**
! Voluntary Term Life
! Dependent Term Life
! Hospital Indemnity
! Long Term Disability
! Short Term Disability
PIA SERVICES GROUP
INSURANCE FUND
! Business Overhead Expense
! Accidental Death & Dismemberment
For additional information, contact your local PIA Affiliate
or call the Plan Administrator at 1-800-336-4759.
Information also available on-line at www.piatrust.com.
*PIA National membership, when required, must be current at all times.
**Only available if 100% employer paid and if the employer and 100% of the employees enroll.
No medical underwriting necessary up to guaranteed issue limits.
Policies or provisions may vary or be unavailable in some states. Policies have exclusions or limitations which may affect any benefits payable.
Underwritten by Unimerica Insurance Company, Portland, ME. Administered by Lockton Risk Services.
400 N. Washington Street
Alexandria, VA 22314
PRSRT STANDARD
U.S POSTAGE
PAID
PERMIT #593
MERRIFIELD, VA