Wishing You A Merry Christmas And A Prosperous And Happy New

December 2007
A newsletter for members and friends of the Insurance Brokers Association of Ontario
Happy Holidays
Wishing You A Merry Christmas
And A Prosperous
And Happy
New Year
In lieu of sending Christmas cards, IBAO has made a donation to WICC.
December 2007
3.
MEMBERSHIP
UPDATE
Insurance Brokers Association of Durham
Region ($500 BIPPER Bucks)
The Membership Recognition Award is
presented to the affiliate with the greatest
percentage of increase in membership of main
offices. This year, there was a tie between two
affiliates for the award.
by Peter Burns
Chair, Membership
Committee
Inflatable BIP Comes to
the Uxbridge Santa Claus
Parade!
The 2007 Membership Recognition Award
winners are:
•
Barrie-Simcoe Insurance Brokers Association; and
•
Windsor–Essex Insurance Brokers Association.
Membership Awards 2007
Each year at the Annual Convention, IBAO
represents both our Affiliate Achievement and
Membership Recognition Awards.
The Affiliate Achievement Award is based
on participation in IBAO educational programs, affiliate attendance at IBAO functions,
affiliate activity within its membership, image
promotion, member retention, member recruitment, and involvement with YBC. Last year,
we recognized first place overall. This year,
because we had so many great entries, we
felt it was best to recognize second and third
place as well. In addition, this year the award
winners were given BIPPER Bucks to be used
for further affiliate promotion.
The 2007 Affiliate Achievement Award
winners are:
1.
Barrie-Simcoe Insurance Brokers Association ($1,000 BIPPER Bucks)
2.
London Insurance Brokers Association
($750 BIPPER Bucks)
On behalf of the Board of Directors and
members of IBAO, our congratulations to all
of you. Your efforts on our behalf do not go
unnoticed.
In Memoriam
Arthur M. Langley, AIIC, CAIB
IBAO President 1994-1995
Holiday Season Office Hours
IBAO’s office will close at 4:00 p.m.
Friday, December 21, 2007
and will reopen at 8:00 a.m.
Wednesday, January 2, 2008
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December 2007
2
On November 24th, 2007, the staff of
Ron Noble Insurance Ltd. and the IBAO
Inflatable BIPPER participated in the
Uxbridge Santa Claus Parade.
The BIPPER along with decorations
made for a very colourful float.
Thanks IBAO!
have misconstrued our actions. However, as
brokers, we are not responsible for the actions
of our multi-channel suppliers, and we need
to stay informed in order to make important
decisions. This is no different than the way
these same suppliers segment or tier their
brokerage force – certain commitments come
with privilege. I assume in simple terms that
captures the very principle - Those companies
that give our members their whole commitment should earn special privilege.
PRESIDENT’S COMMENTARY
by Steve Wagler, CAIB
President
My term of office as President of the Insurance Brokers Association of Ontario leaves with
the same speed as it began. The past twelve months were very exciting and at times, could have
become overwhelming if it weren’t for the great support of my fellow Executive Committee,
our dedicated Board of Directors, and our knowledgeable support Staff at IBAO.
At the beginning of my term, I outlined three issues that became the focus of our activity for
the year: political action, marketing to consumers, perpetuation and ownership of brokerages.
Twelve months is a relatively short period of time to show results in any one of these areas, let
alone all three. In order to achieve our goals, we have had to depend upon past leadership, current leadership, and we will need to rely on future leadership to accomplish the remainder.
The reality is no one individual in our association has the strength or ability to succeed on
these greater initiatives. Rather, it requires a collective effort under multiple leaders in order
to achieve the final result.
We accomplished a great deal in 2007, and I am proud of our accomplishments in the areas of political action and marketing, but our focus on brokerage perpetuation and insurance
company ownership of brokerages remains our greatest challenge.
We will also continue to face a challenge
with perpetuation of brokerages as long as
brokerage principals continue to seek out
company-owned brokerages as their successors. This was the topic of my first newsletter
article last January and one I find the most
troubling.
For more than twenty-five years, brokers
have maintained the principles of self-regulation. This model has provided the foundation for brokers in Ontario to distinguish
themselves professionally from all other
intermediaries.
I know not all companies, particularly those involved in multi-channel distribution, will
agree with IBAO’s position. I do, however, believe that the leaders in their broker operations
side understand and share our concerns.
Today, the generation that fought for a selfregulatory model is the same one selling out
to a direct writer. We need to recognize that
selling out to a company-owned brokerage is
no different than selling to anyone of the direct
writers. Why do some see it differently?
Over the past year, our position was focused on educating our members on the public objectives of our multi-channel suppliers, and I believe the broker channel has a better understanding
of their market place today.
Recently, I attended a seminar in Waterloo
that featured two local and prominent business leaders sharing their stories on how they
During this education process, those with a heightened sensitivity for obvious reasons may
continued on page 6
3
December 2007
OSAID PSA’s.
COMMUNICATIONS
UPDATE
by Al Hendriks, CIP, CAIB
Chair, Communications
Committee
“Dude - Where’s My Licence?”
IBAO has supported Ontario Students
Against Impaired Driving (OSAID) through
sponsorship of their activities and public
awareness campaigns for a number of years.
This past year, OSAID’s public awareness
campaign focused around a competition
in Northern Ontario requesting students to
create their own anti-drinking and driving
Public Service Announcements (PSA’s). The
announcements, judged to be the best, were
aired on the CTV network in their Northern regions. CTV also provided production support
for the winning student’s ideas. The impact
of this campaign is two fold – it encouraged
students to participate and contribute directly,
and delivered OSAID’s core messages against
impaired driving to their local comminutes.
CTV will design, produce and broadcast a
30 second promotional spot informing parents
and students throughout the CTV broadcasting
area to visit OSAID, IBAO, or CTV websites
for their chance to get involved and win.
This contest is tentatively scheduled to begin
December 12th ending in September 2008.
CTV will also produce an air time campaign
designed to outline the details of this promotion using 30 second commercials. CTV will
produce the promotional spot incorporating
IBAO’s logo while guiding viewers to a local
Canadian program – the News @ 6p.m. and
Canada A.M. Two thirds of the commercial
will highlight promotion and prizes, while
the remaining time will promote CTV News
@ 6p.m.
Once again, we are privileged to be associated with and assist this group of young
people throughout our communities as well as
the goals they have set for themselves. Please
lend a helping hand when you can for this
worthwhile cause.
This year, we are proud to continue to sponsor OSAID’s campaign. CTV has also agreed
to continue to sponsor the campaign expanding
the competition to all Ontario students. What
this means for IBAO is that we will receive
province-wide airtime as a sponsor of the
IBAO NEWS
This newsletter is published monthly for members of the
Insurance Brokers Association of Ontario
Executive Offices:
1 Eglinton Avenue East, Suite 700
Toronto, Ontario M4P 3A1
Tel.: (416) 488-7422 Fax: (416) 488-7526
Toll Free: (800) 268-8845 (888) ASK-IBAO
Web site: www.ibao.org Email: [email protected]
Two clear window pockets. Your
association logo, name & message
(up to 4 lines), hot stamped.
Size 5-7/8" x 4-1/4" open.
Available in various colours.
e-mail: [email protected]
www.mcleanswholesale.com
December 2007
4
BMO
CORNER
by John Knotek
BMO Bank of Montreal®
Senior Manager,
Insurance Brokers Services
RESPs
At this time of year, many find themselves
mulling over RSVPs for holiday parties.
While ‘tis the season’ for celebration, it is
also a good time to consider RESPs, one of
the best ways to save for a child’s education.
Funding an education is an expensive proposition already, with forecasts indicating that for
a child born in 2007, the cost of a four-year
post secondary education could rise to over
$100,000. This is a significant amount, but
prudent financial planning can help parents
ensure that sufficient funds will be available
for their children.
A Registered Education Savings Plan
(RESP) is a special savings plan designed
to fund a post secondary education or training program. Most commonly, these plans
are used to save for a child’s or grandchild’s
education, but anyone saving for an education
can open one. The plan is established by a
‘subscriber’ (typically a parent or grandparent) for a single beneficiary or in the case of a
family plan, multiple beneficiaries who must
be directly related to the subscriber. When
selecting which type (single or family) is most
appropriate, one consideration is the children’s
ages as RESPs expire at the end of the calendar
year that includes the 25th anniversary of the
plan. If two children are in a family plan but
vary widely in age, conceivably the plan might
have to be wound up before the younger child
even enters post secondary education.
While RESP contributions are not tax deductible as RRSP’s are, the savings do grow
tax free until the funds are withdrawn or the
plan expires. There is an added benefit with
the federal government’s Canada Education
Savings Grant (CESG) which is 20% of the
contribution to a maximum of $500 for beneficiaries that are under age 17 (with some
restrictions). The grant is deposited directly
into the RESP in the calendar year of the
contribution with no carry forward option
in accessing the grant. In terms of choosing
investments, an RESP is much like an RRSP,
in that there are numerous options including
cash, term deposits, mutual funds or stocks.
Subscribers can choose from various providers
(banks, financial advisors, trusts) in the marketplace who offer different setups that range
from group plans to fixed baskets of mutual
funds to self-directed accounts.
When the beneficiary begins his or her post
secondary education, funds in the RESP would
be used to pay for education related expenses.
The withdrawals would be taxed in the hands
of the beneficiary who typically would pay
little or no income tax. If the beneficiary
does not pursue post-secondary education
and another beneficiary is not named, the
contributions are returned to the subscriber
with no tax consequences and the CESGs are
returned to the government. However, dealing with the accumulated income in the plan
under this scenario is a bit more complex and
a variety of regulations and taxes may apply.
Alternatively, this income can be transferred
out to an RRSP tax free as a regular or spousal
contribution for the subscriber, provided they
have the contribution room.
The general information above is fairly well
known, but awareness of recent enhancements
to the RESP system may not be as widespread.
Specifically, the annual maximum CESG per
beneficiary increased from $400 to $500, however the lifetime limit remains at $7,200. The
more notable change is that the annual $4,000
RESP contribution limit per beneficiary has
been eliminated, while the lifetime limit has
increased to $50,000 from $42,000. So now
subscribers have the option to invest the lifetime maximum all at once. However, in doing
so the subscriber would only be able to access
the maximum annual CESG of $500 in the year
of contribution. Despite this, if invested early
enough in a child’s life, the advantages of tax
free investing for a long period of time typically outweighs making smaller contributions
and maximizing the CESG each year.
Alternatively, since coming up with a single
contribution of $50,000 per beneficiary is probably not an option for most, consideration of a
hybrid plan may be warranted. For instance,
to receive the maximum lifetime CESG, it
takes approximately 14 annual contributions
of $2,500 for a total of $35,000. That leaves
additional contribution room of $15,000 on
which income could be generated tax free.
This would not impair the ability to maximize
the CESG, provided that there are at least 14
years before the beneficiary turns 18.
Overall, to get maximum benefit from any
savings program, it generally makes sense to
start early. So if you have already started, good
for you. If you haven’t, there is no need to fret
as every bit of savings will help and the recent
changes in RESP program make catching up
a bit easier. Regardless of whether your plan
is already in motion or under consideration,
consultation with appropriate advisors is recommended and can help develop and refine
your own personal strategy in saving for your
child’s education.
The comments contained herein are general
in nature and professional advice should be
obtained in respect of any person’s specific
circumstances.
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5
December 2007
TECHNOLOGY
UPDATE
by Rob Horbatuk
Chair, Technology
Committee
Have You Updated Your IBAO
Profile?
IBAO needs your help in order for your
potential clients to locate your office on our
website.
For the “Locate a Broker” program to work
the way it is intended, we require member
Principals to access our web site and update
their brokerage information. IBAO has made
this so easy that even the not so computer
savvy can perform this task without added
stress.
Start by going to the IBAO web site and
click on the Member’s Section that will take
you to the Member’s login. In the boxes
shown, enter your IBAO membership number,
your last name (be sure to capitalize the first
letter with the remaining letters in lower case)
and your administrator’s password. You must
be the administrator of your office in order to
do this. If you are not sure who the administrator in your office is, please contact Paul Taylor
at 416-488-7422 x 106.
When you have reached this point, look
for the “Edit My Brokerage” link located at
December 2007
the very bottom of the selections. Enter this
selection and confirm the name, address,
phone numbers, website and email addresses
for accuracy. Then choose “Select insurance
types”. By holding down the [Ctrl] key and
clicking on the types of insurances offered
by your office, the types will be highlighted
in blue.
Now go to “Select insurance companies
you do business with” and repeat the same
procedure. When this is completed, make sure
to double check for accuracy. When all the
information is correct, click on the “Save All
Changes” box and exit. You are done! Any
changes made will show up immediately in
the find Broker listings.
IBAO Video Loan Library
Replaced for Something New…
In order to serve you better, the Education
Department is replacing our longstanding
Video Rental Library with a more current
and extensive Online Course Library. Our
online courses are available through the
Member Section on our website at www.
ibao.org. The courses are RIBO accredited
and topics include a mix of technical, management and soft skills such as Basic Broker Licensing Course, Everything Desktop,
Customer Service, HR Management, Business Interruption and Basic Finance.
Nine new titles have been added for 2008
bringing the total library to 60 courses. In
addition, 3 new Technical courses will be
added in the first part of the year.
For more information on this excellent
resource, visit www.ibao.org
6
President’s Commentary continued
from page 3
were able to perpetuate their businesses. One
presenter was a founding partner in what has
become a very large building contractor. He
described the foundation of their perpetuation process was the two original partners
agreeing upfront to leave personal greed out
of the process.
These aren’t always easy topics to discuss,
but by burying them, we will never find solutions to them.
Once again, I would like to thank all of you
for your support over this past year. I am so
very proud to have had the opportunity to lead
an organization that remains mission focused.
When your Board of Directors consider new
direction or opportunity, we are mindful to
remain true to our mission - to preserve and
enhance the integrity of the independent broker distribution channel.
I am leaving my post with great confidence that your Incoming President, Rodney
Hancock will provide outstanding leadership on the initiatives that are important to
you, however, in the end he will need your
support to move ahead and accomplish our
mutual goals.
In closing, I would like to extend best
wishes to everyone for a Merry Christmas and
a Healthy and Prosperous 2008.
Congratulations 2007 Graduates!
The Education Committee and Department would like to congratulate our 2007 graduates. Earning your designation shows a personal
commitment to professional development. It also displays an understanding of the strong correlation between knowledge level and level of
service provided. Display your designations with pride!
CAIB:
(H) Denotes Honours
Lesia Ahrens (H)
Michael Allison
Margaret Anderson
Tracey Anderson
Philip Andrews
Melanie Arnott (H)
Angeline Au-Yung
Tracey Bacon
Michael Benoit
Heather Black
Brenda Bonomo
Amanda Borden
Cindy Boyes-Rollin (H)
David Brosbell (H)
Liam Brown (H)
Janet Bullock (H)
Fee Lin Bunnett
John Butler
Justin Campisi (H)
Michael Carroll
Janice Casselman (H)
Wendy Challe
Anita Chung
Michelle Colquhoun
Jennifer Critchley (H)
Holly Davies
Elaine Dean
Carol Denney
Angela Derbidge
Kelly Douglas
Glenda Dunn (H)
Ashley Eagle
David Elliott (H)
Darlene Embury
Linda Evans
Barbara Everett
Todd Farrell (H)
Tara Favot
Amy Fischer
Jennifer Foerster
Catherine Frank
Adam Furfaro
Don George (H)
Shelley Giasson
Timothy Goldthorp
Christine Gorley
James Gorman
Linda Hall
Matthew Hamilton
Ceernarine Harry
Catherine Hassefras
Janet Hilker
Christopher Hill
Vincy Ho
Karen Howarth
Sandra Hughes
Ryan Hutchins
Michelle Jarvis
Stacey Jorgensen
Bernice Kapteyn (H)
Grace Kavanagh
Wendy Kindiak (H)
Diane Kirby
Jennifer Knight
Cathy Konings
Jeffrey Koo
Peter Kulig (H)
David Lackner (H)
Nancy Lacroix
Jacqueline Laidman
Emma Larkin
Margaret Lavallee
Rose Lawless (H)
Jessica Lohnes (H)
Deborah London
Bruce Loney
Leslie Luther
Jamie MacCorkindale (H)
Brandi Machan
Connie Mackie
Susanne Mallory
Vivian Maluga
Ashley Manti (H)
Jeremy Matheson
Callie Maua
Jason Maxariegos
Barbara Maxwell
Gord McCool
Debbie McGuire
Elizabeth McIntyre (H)
Susan McLaughlin (H)
Kristen Meadwell
Suzana Medeiros
Lina Melo
Brian Metcalfe (H)
Sandi Miller
Nathalie Monette (H)
Kevin Morrison
Andrew Mount
Tamila Mukelova
Lisa Munro
Patricia Nesrallah (H)
Teresa Nix (H)
Barbara Oliver
Jeff Owen-Hicks
Saija Paakki
Caroline Palotay (H)
Martin Paquette
Johanna Parks
Wayne Paterson
Marc Perrin
Burk Peters
Glen Petrochuk
Brandon Petrozzi
Barbara Pettinger (H)
Holly Phillips (H)
Natalie Point
Colleen Purcell
Merike Purje
Gregory Purkis
Marilynn Radmore (H)
Parveen Ragoo
Serge Rivet
Reva Ross
Lendy Salazar
Rajesh Sanichar
Hilary Santelli
Lisa Schenk
Marc Seguin
Gaurav Sharma
Denise Sharpe
David Sim
Isabelle Simmons
Kimberley Smith
Lisa Smith (H)
Scott Smith
Lesley Steep
Colleen Szeifried
Colleen Szuba (H)
Christine Tokarsky
Andrea Tooze (H)
Jennifer Triebe
Christiana Unruh
Jennifer Van Allen (H)
Shane Van Allen
Irina Vasileva (H)
Paul West
Shawna-Lynn Whitmell
Haley Wideman
Ann Williamson (H)
Sarah Wilson (H)
Brenda Woodrow
Angela Yarrow
Debbie-Jo Zardo
Jing Zhou
CPIB:
(H) Denotes Honours
Maria Berry
Amy Mills
Ryan Mitchell
Jennifer Oegema (H)
Bill Stoyles
Carolyn Vickers
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7
December 2007
Thank You!
Education Department
Volunteers & Facilitators
The Education Committee along with the Education Department, would like to acknowledge and thank all our volunteers and facilitators for
their time, effort and dedication. It has been a pleasure to work with you, and we are grateful for your valued contribution to the success of
our programs and the professionalism for which we strive.
Albert Hendriks (EC & CC)
EDUCATION CHAIRS (EC) &
Paul C. Armstrong (EC & CC)
CAIB COORDINATORS (CC)
Kelly MacDonald (CC)
Jeffrey Jones (EC & CC)
James Martyn (EC & CC)
Pierre De Laplante (EC & CC)
James Horbatuk (EC)
Graham Lidstone (CC)
John Bleau (EC & CC)
Andrew Tichelaar (EC & CC)
Valerie Bulloch (EC & CC)
Robert Payne (CC)
Douglas Storrey (EC & CC)
Todd Landry (EC & CC)
Jeffrey Roy (EC)
Jason Uniac (CC)
Randy Paine (EC & CC)
Tony Magermans (EC & CC)
Cindy Barnett (EC & CC)
Tanya Walkom (EC & CC)
April Pittendreigh (CC)
Patty Crawford (EC & CC)
Margaret Aspden (EC)
Terrance Bushell (CC)
Nancy Thompson (CC)
Wendy Watson (EC & CC)
Danny Marceau (EC & CC)
Janice Garratt (EC & CC)
Violet Whitehouse (EC & CC)
Paul Sottile (EC & CC)
Eve McAllister (EC & CC)
Darcy Franko-Felice (CC)
Mark Campbell (CC)
Randy Oliver (EC & CC)
Shelley Allin (EC & CC)
Loris Clarke (EC & CC)
Kim Gretton (CC)
John Topping (EC & CC)
Brendon Hunt (EC & CC)
Jeff Rice (EC & CC)
Gregory Kenney (EC)
Catherine Russell (CC)
Peter Mast (EC & CC)
Hilary Scaffidi (EC & CC)
Bonnie Helferty (EC & CC)
FACILITATORS
Susan Baker
Lyall Bell, CIP
James Bonnay, CIP, CCIB
Cassels Brock & Blackwell LLP
Christopher Coniglio, CAIB, CIP
Lilian Croucher
Fred De Francesco, CIP
Barry Elliott
Hugh Fardy
Dr. John Fast
Jean Faulkner
Donald Gadsden, AIIC, FIIC
Alex Gallacher, MBA, CHRP
Richard Gammon, BA, FIIC, CCIB
Derrick Hughes, CIP, CRM
Alan Jervis, B.A. Hons., A.I.L. F.C.I.I.
Bill Kelly
John Knotek, MBA
Sheron Metcalfe, AIIC
Jo Anne Mitchell, CIP
Judith Mitchell, BA, FIIC, CRM
Barry Nelson
James Pearson, BES, CIP
Bernie Robertson, CRM, CAIB, CPIB
Ross Robertson, CAIB
Beverly Russell
Solareh
Claire Sookman
Gordon Stewart, MBA
Frank Szirt, BA, AIIC
Frank Uhran, FIIC, CRM
Vero Group
Michael Vickers
Eric Walker, MBA, CA, CBV
Wayne Walkotten, CPA, CVA
Glenn White, CAIB
CAIB GROUP LEADERS
Susan Allen, CIP, CAIB
Shelley Allin, CAIB
Judy Bell, CAIB
Jeff Binks, CCIB, CAIB
Mark D. Campbell, CAIB
Denise David, CIP, CAIB
Marianne Farr, CAIB
Sherry Folz, CAIB
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December 2007
8
Richard Gammon, FIIC, CCIB
Ajay Gill, CAIB, CPIB, CCIB
Julia Haffey, CAIB
Rod Hancock, Ph.D, CCIB
Christine Lanigan, CIP, CAIB
Teresa Linholm, CAIB
Davida Lipkus, CIP, CAIB
Jeanette Mavrikkou, CIP, CAIB
Shalom MacNeil, CAIB
Mike McQuaid, CAIB
Carolyn Mortson, CAIB
Cherryl Naismith, CAIB
Christopher Nezny, CIP, CAIB, CRM
Dan Pigeon, BA, CIP, CAIB, CCIB
April Pittendreigh, BA, CIP, CAIB
Greg Robertson, CAIB
Ian Russell, FCIP
Maureen Rybar,CAIB
Christina Sato, CAIB
Yvette Shirley, CAIB
Andrew Tichelaar, CIP
Sandra Trepanier, CAIB
Courtney Wagstaff, CIP, CAIB
Jenifer Willard, CIP, CAIB
CAIB SELF STUDY ADVISOR
Mark Campbell, CAIB
CPIB SELF STUDY ADVISOR
Jeff Skelton, AIIC, CAIB