April 2013 National Association of Professional Insurance ...eral Insurance Office (FIO) might try to usurp the insurance regulatory authority of the states, limiting the coverage

PIA Brings Main Street

APRIL 10-11, 2013 ★ WASHINGTON DC ★ WWW.PIAFLS.COM

PIA FEDERAL LEGISLATIVE SUMMIT

to Capitol Hill

Inside: PIA’s Issues of Focus During Congressional Visits

April 2013 National Association of Professional Insurance Agents

Special Thanks to Our 2013 Federal Legislative Summit Gold Level Sponsors:

R

From the President

2 September 2009www.pianet.com

Once again, PIA members from across the nation are converging on our nation’s capital to engage in a tradition as old as our republic: petitioning

our elective representatives. The annual PIA Federal Legislative Summit in Washington, D.C. is not a ceremonial ritual. It is a vital part of our year-round advocacy on the fed-eral and state levels. We encourage every PIA member to participate in this important lobbying effort.

Why do we advocate? The state of New Hampshire has a slogan on its license plates: “Live Free or Die.” PIA’s motto for lobbying could be, “Advocate or Die.”

We advocate for ourselves and our agencies. We advocate for the clients we serve. We advocate for the American system of free enterprise.

Above all, we advocate for free and open competition on a level playing field, unen-cumbered by artificial advantages that can tilt the playing field against Main Street insurance agents, the many carriers we represent and the clients we help to insure.

Every year, we find it necessary to fight off new and recurring threats to our ability to compete and succeed. There is a philosophical underpinning that characterizes many of things that we oppose: the idea that government knows best. This view, held by far too many policymakers, is at odds with a vibrant free enterprise system.

It is the kind of thinking that led the Department of Health and Human Services (HHS) to classify agent and broker compensation as an administrative expense to be included in the calculation of medical loss ratios (MLRs) under Obamacare.

It is the kind of thinking that led the Federal Crop Insurance Corp. (FCIC) to dictate how much private sector insurance companies can compensate their insurance agents.

It is the kind of thinking that led a union of federal employees to attempt to expel private sector insurance agents from selling crop insurance and having federal employ-ees take over agents’ functions.

It is the kind of thinking that attempts to impose too many taxes on those of us who succeed and throws roadblocks in the path of those of us trying to build successful businesses.

And it is the kind of thinking that says insurance regulation should be stripped from the states and taken over by a big new federal bureaucracy that will favor a few big play-ers.

PIA is an aggressive activist organization that is never afraid to speak up and speak out on behalf of our members and clients. We have a seat at the table on Capitol Hill, at the NAIC and with state legislators, but having a seat is never an end in itself for us. We always reserve the right to object to what is being served up at the table if it would be hazardous to the health of our agencies.

PIA will always encourage PIA members to be on alert, be visible, speak up, get active and remain involved on the national, state and local levels — working together with a staff that understands the issues, knows how to positively affect them and realizes that member involvement every step of the way is crucial to our success.

As we embark on the 2013 PIA Federal Legislative Summit we walk the halls of Congress — the same halls walked by Jefferson, Madison and Lincoln. We can be awed, but we should never be intimidated because these halls, the Capitol and the government itself belong to all of us. We are simply telling those we send here to represent us of our concerns and asking them to be responsive to us.

Andrew C. HarrisPresident

PresidentAndrew C. Harris, CIC, CPCU, ARM, AIS, CRM (NJ)[email protected] G. Lee, CIC, CPIA, LUTCF (VA/DC)[email protected] President/TreasurerRichard A. Clements, CIC (LA)[email protected]/Assistant TreasurerRobert W. Hansen, Jr., LUTCF (NE/IA)[email protected] Past PresidentThomas C. Adderhold, CIC (GA)[email protected] National Image Committee ChairmanSue Peachey, CPIA (KS)[email protected] Executive Vice President/CEORon Von Haden, CIC (PIA National)[email protected]/Editor-in-ChiefTed [email protected] Editor/AdvertisingAlexi Papandon, [email protected]/Regulatory Affairs Executive EditorPatricia A. Borowski, [email protected] EditorsMike BeckerDavid EppsteinAssistant EditorSpencer [email protected] EditorLaurel Prucha [email protected]

PIA Connection is published ten times yearly by the National Association of Professional Insurance Agents.400 North Washington Street,Alexandria, Virginia 22314©2013 All rights reserved.

The information in this publication is gen-eral in nature and is not intended to serve as legal, accounting, financial, insurance, investment advisory or other professional advice as to any reader’s particular situ-ation. Users are encouraged to consult with competent legal, financial, insur-ance, investment advisory and or other professional advisors concerning specific matters before making any decisions and we disclaim any responsibility for any decisions or actions by readers.All PIA members receive PIA Connec-tion at the member subscription rate of $12.00 per year.Non-member subscriptions available at $24.00 per year ppd. For additional information on any of the subjects addressed in this publica-tion, please access the PIA National website at www.pianet.com.

April 2013 3www.pianet.com

PIA members across the nation are set to bring Main Street to Capi-tol Hill when they convene April

10–11 in Washington, D.C. for their 2013 PIA Federal Legislative Summit (FLS).

“The PIA summit occurs this year as agents continue to face unprecedented challenges,” said PIA National President Andrew C. Harris. “Obamacare, flood insurance, crop insurance, taxes and the threat of federal encroachment into our industry are all issues that concern us.”

“Agents want to continue to serve their clients who need health insurance, but artificial limits are still being placed on our ability to help them obtain coverage through insurance exchanges,” he said. “We oppose additional cuts to the crop insurance program and support efforts to ensure that flood insurance will continue to be available.”

“We remain concerned that the Fed-eral Insurance Office (FIO) might try to usurp the insurance regulatory authority of the states, limiting the coverage choices available to our clients,” he said. “Our members will remind lawmakers that the state-based insurance regulatory system works well and that there is no justifica-tion for creating a new federal insurance bureaucracy, especially in light of our cur-rent budget crisis.”

During the 2013 PIA FLS, PIA mem-bers will advocate on a host of issues. PIA:

• Supports the role of independentagents and brokers in healthcare reform and just compensation for agents.

• Opposes allowing insuranceexchange navigators to sell, solicit or negotiate insurance without a proper license.

• Supportsa2013FarmBillthatcon-tinues to fully utilize the expertise of professional independent insurance agents and opposes any additional cuts to the Federal Crop Insurance Program (FCIP).

• Supportsthecontinuedimplemen-tation of reforms to the National Flood Insurance Program (NFIP)

along with solutions to eliminate the program’s debt, and opposes privatization of the NFIP while there is no sustainable private mar-ket solution.

• Opposes federal regulation ofinsurance and supports a modern-ized national system of state-based insurance regulation.

• Supports an FIO that strictlyadheres to its congressional man-date and is not the regulator of the business of insurance.

• Opposes federal preemption ofstate insurance oversight, whether optional or mandatory.

• Supports reducing individual andcorporate income tax rates for small businesses.

PIA members will also urge their representatives and senators to support legislation to exempt health insurance agent commissions from the medical loss ratio (MLR) formula used by the Department of Health and Human Services (HHS) to calculate allowable expenses under the healthcare law. That formula has led to agent compensation being slashed.

“We will be addressing many issues with the potential to affect agents’ bottom lines during our Capitol Hill visits,” said PIA National Government Affairs Com-mitteeChairmanGaryBlackwell.“Regu-latory reform, healthcare reform, flood

insurance and crop insurance are among the top issues in play.”

The 2013 PIA FLS begins on the eve-ning of Wednesday, April 10 with an in-depth issue briefing and Q&A session at the Crystal City Marriott in Arlington, Virginia. At the end of the day, partici-pants will attend a reception sponsored by The PIA Partnership as well as the annual PIAPAC Awards Dinner, both in a rooftop venue overlooking Wash-ington’s beautiful skyline.

The following morning, participants will gather for a kickoff breakfast. Agents then spend the remainder of the day on Capitol Hill meeting with lawmak-ers regarding issues that are important to professional independent insurance agents.

PIA Agents Converge on Capitol Hill for 2013 PIA Federal Legislative Summit

Special Thanks to Our PIA FLS Gold Level Sponsors!

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PIA of Tennessee leadership, Steve Peay and Brennan Paris, meeting with Congressman Stephen Fincher (R-TN) at the 2012 PIA FLS.

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Controversy has erupted in Cali-fornia surrounding the creation of “assisters,” or navigators, under

the Affordable Care Act (ACA). Califor-nia Insurance Commissioner Dave Jones said he was “just shocked that groups that represent the consumer interest summar-ily dismiss what [he] think[s] is a very real probability of immense consumer fraud.”

Jones is referring to plans to conduct fingerprinting and background checks on some 20,000 “assisters” that will be needed to sign up millions of Califor-nians seeking health insurance through the state’s new exchange.

“I’m very concerned we will have a host of problems without a system of background checks, fingerprinting and monitoring, which weeds out criminals,” Jones said. “Regrettably, we see far too many cases of identity theft, embezzle-ment and outright fraud.”

Health insurance agents in the state already undergo fingerprinting and back-groundcheckseverytwoyears.Butplansto check the backgrounds of unlicensed navigators or “assisters” drew howls of protest from some California consumer activists.

The enrollers, who will earn $58 from the state for every application completed, would have access to highly sensitive con-sumer information, such as Social Security numbers, dates of birth, income data and tax returns. California insurance officials, insurance agents and other patient advo-cates say they are surprised by the level of resistance to rigorous screening. The board that governs the state’s exchange is expected to discuss the matter.

During the spring meeting of the National Conference of Insurance Leg-islators (NCOIL) March 8–10, a com-mittee dealing with health issues passed

a resolution that urges states to enact a licensing framework and regulatory regime for navigators. The resolution was opposed by several consumer groups that asserted that it was not necessary because, they contended, “navigators will not be paid to sell, solicit, negotiate, consult or place insurance.”

PIA National supports states creating a regulatory system for navigators and we stand ready to assist any state in that effort. We believe the regulation of navi-gators is an important consumer protec-tion measure.

The Congressionally-mandated report on insurance regulation by the Federal Insurance Office

(FIO), already 14 months overdue, will not be released for at least three more months. Speaking during a meeting of the Federal Advisory Committee on Insur-ance (FACI) in Washington on March 13, FIO Director Michael McRaith said the insurance regulation report, along with several others that are also overdue, will be out by summer. “We expect these reports will be out before July,” he said.

This latest delay came just five days after National Association of Insurance Commissioners (NAIC) CEOBenNel-son, in a March 8 speech to the National Conference of Insurance Legislators (NCOIL), said the FIO needs to stick to its assigned role and not attempt to do a

job it has not been authorized to do. Nel-son said the FIO and its officials need to “stay in their own lane” and do “the job it was intended to do, but not our job.”

There are concerns that the FIO might attempt to use this report as a power grab for itself, to propose that it take over some or all insurance regulatory functions from the states.

Just prior to the FIO’s announcement that this report will be delayed again until summer, multiple industry sources were telling PIA National that the report would be released within days. Perhaps the public admonitionsadministeredbyBenNelsonwere timely. During his March 8 speech to the state insurance legislators, Nelson restated that the FIO is not a regulator. He then added, “I think they’re beginning to understand that.”

Industry Updates

California Commissioner Warns of “Immense Consumer Fraud” with Navigators

FIO Report Delayed Another Three Months

PIA-Backed Certs Model Bill Advances

The New Jersey State Assembly Committee on Financial Institu-tions and Insurance voted unani-

mously on March 8 to approve A-3731, which would regulate certificates of insur-ance. The bill, proposed and supported by PIANJ, was sponsored by Assembly-man Gary S. Schaer (D), who chairs the committee. It contains the same lan-guage as model legislation proposed by PIA National, which was unanimously adopted by the NCOIL.

PIA National President Andrew C. Harris and PIA of New Jersey President AnthonyF.Bavarotestifiedinsupportofthe New Jersey legislation.

A little more than three months after it was adopted unanimously by NCOIL, the PIA-backed model law is now seeing action in at least eight states. In addition to New Jersey, certificates legislation is being drafted in Indiana, Wisconsin and New Mexico. Several other states are reporting that they may also take a look at certificates legislation during their upcoming legisla-tive sessions, including Ohio, Kentucky, Delaware and Tennessee.

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National Association of Professional Insurance Agents (PIA)PIA Federal Affairs • 400 North Washington St., Alexandria, VA 22314-2353 • Phone: (703) 836-9340 • Fax: (703) 836-1279

PIA email: [email protected] • PIA website: http://www.pianet.com

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Issue PaperHealth Care Reform

February 2013

PIA:

• Supports the role of independent agents and brokers in health care reform.• Supports just compensation of insurance agents.• Opposes implementing measures that are not ready and haven’t been fully vetted.• Opposes additional burdens on small businesses, both financial and administrative.• Supports affordable health care options through employer sponsored plans.

As enacted, the Affordable Care Act (ACA) notes that private-sector, licensed professional insurance agents and brokers can sell health insurance policies offered by the health insurance exchanges envisioned in PPACA. Licensed independent insurance agents and brokers guide consumers through a complicated process, providing quotes and scrutinizing plans while ensuring that consumers consider the best options available to them. Independent agents represent multiple insurance carriers and provide unparalleled service that cannot be beat. The value that agents and brokers provide has increased dramatically as the ACA is rolled out.

Insurance agents provide this wide range of services for both individual consumers and the business community.Their work, experience, and dedication is unmatched and provides incredible value to the consumer. However, ACAincluded new medical loss ratio (MLR) formulas that require insurance carriers to spend 80% of their premium dollars (individual and small group plans) or 85% of their premium dollars (large group plans) directly on medical care. This provision greatly threatens the livelihood of insurance agents. In fact, agents are already seeing their compensation cut by as much as 55%. PIA supports legislation to reform the law’s new MLR requirements, which will encourage agents to stay in the field of health insurance and continue to be an asset to millions of policyholders.

Federal and state regulators are regularly noting that the timeline for ACA implementation is problematic, if not completely unattainable. Regulators should not be put in a position of having to forge ahead while known problems remain unsolved. Rather, a delay of certain measures, like the SHOP exchange implementation date of January 2014, should be granted. Doing so will allow for some level of market certainty and will protect consumers by not exposing them to a faulty process or program.

The ACA also places new financial and administrative burdens on small businesses. Among many hindrances, small businesses must now maintain new minimum coverage levels while larger businesses are subject to significant fines when, for example, they do not provide employer sponsored insurance. These requirements can have an adverse effect on Congress’ intent and may stop many employers from offering coverage.

Additionally, the stringent new compliance and notification requirements are arduous and hinder businesses. The wide ranging federally required responsibilities hamper businesses’ ability to grow while deterring them from offering employer sponsored plans. PIA encourages congressional action to ease the financial and administrative burdens on the business community and create an environment where businesses are encouraged to easily andaffordably offer employer sponsored coverage.

For additional information on this issue, please contact PIA’s federal affairs department or visit www.pianet.com/healthcare.

April 2013



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Issue PaperNational Flood Insurance Program

February 2013

PIA:

• Supports continued implementation of PL 112-141, which includes many needed reform measures. • Supports solutions to eliminate the program’s debt.• Opposes privatization of the National Flood Insurance Program while there is no sustainable private

market solution.

The NFIP provides an important service to people and places affected by floods. The private insurance industry has been almost entirely unwilling to underwrite flooding risk because of the catastrophic nature of these disasters. Therefore, the NFIP is virtually the only way for people to protect themselves against the loss of their homes and businesses.

PIA supports PL 112-141 and is working on implementing the law in a fashion that will make the program actuarially sound while providing the necessary coverage to policyholders. The law, signed by the President in July 2012, provides the much needed certainty to the millions of policyholders nationwide. PIA urges congressional leaders to work with FEMA to implement the law in a quick, efficient manner.

The NFIP is currently in considerable debt due to the significant claims from Hurricanes Katrina, Rita, Wilma, and Sandy. The debt incurred by the NFIP could easily reach $30 billion this year, which makes the need to reduce the debt a priority. The first step should be quick and efficient implementation of PL 112-141. Doing so will remove premium subsides and introduce risk-based rates. Both of these steps will bring additional financial resources to the NFIP.

Additional acts of Congress may also help reduce the debt. PIA also supports strong land use controls, standards,mitigation measures and efforts to provide tax credits to low-income homeowners who take action to protect their properties to reduce vulnerability to damage from floods. PIA supports strong building codes that may lessen the over flood exposure to a property, reducing exposure to the NFIP.

The tremendous debt is prompting many to call for quick action to privatize the NFIP. Simply put, there is no sustainable private market availability. This is no different from when the program was created 40+ years ago. Without the federal program, flood insurance wouldn’t be available for those who need it most. This is further demonstrated by the current private market options, which are grossly limited to select risks.

PIA cautions against any quick action on privatization proposals. However, PIA is not opposed to studies on the possibility of private market capacity or on greater public/private partnerships.

For additional information on this issue, please contact PIA’s federal affairs department or visit www.pianet.com/flood.

April 2013

National Association of Professional Insurance AgentsPIA Federal Affairs • 400 North Washington St., Alexandria, VA 22314-2353 • Phone: (703) 836-9340 • Fax: (703) 836-1279


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Issue PaperInsurance Regulation

February 2013

PIA:

• Supports a modernized national system of state-based insurance regulation.• Supports a Federal Insurance Office that strictly adheres to its congressional mandate that it is not

regulator of the business of insurance.• Opposes preemption by a federal insurance regulator, or federal preemption of state insurance

oversight, whether optional or mandatory.

The existing system of insurance regulation is state-based, which provides vital checks and balances to ensure financial stability, safety and soundness, and should therefore be preserved.

The state insurance oversight system has demonstrated far better than others its ability to effectively protect consumers and support a solvent market over many decades. Congress does not need to make radical reforms to insurance oversight as it considers reforms to other parts of the financial services industry.

PIA supports insurance regulatory modernization efforts through the use of state-based tools. An example is expanded use of an all-jurisdiction compact structure, an approach that would be more successful than either an Optional Federal Charter or full federal oversight in encouraging soundness and stability, and avoiding marketplace disruptions.

PIA opposes proposals calling for a federal insurance regulator (whether optional or not), or any system that displaces or interferes with the state insurance law and its state based regulatory system for insurance. Such large-scale federal changes would adversely affect the soundness of insurance markets, restrict the availability of insurance products and undermine successful consumer protections — requirements that are currently either greatly impaired or absent under the federal oversight of the other financial services sectors.

While concerned by its creation, PIA can be supportive of the Federal Insurance Office (FIO) as long as it adheres to the mandate set for it by Congress that specifies it is not a regulator of the business of insurance. This is a role that the FIO correctly notes has been reserved for the states. PIA believes, however, that the FIO can play an immediate, constructive role in helping the states significantly improve the existing insurance regulatory system by workingcooperatively with state regulators and legislators in a complementary fashion.

Additionally, PIA believes the FIO can play a positive role in helping states meet their uniformity and reciprocity goals. The FIO can promote adherence to model laws and regulations and help states make positive changes in their current practices.

Any federal regulatory creep would generate an additional burden on the industry, creating a duplicative regulatory environment and would be opposed by PIA.

For additional information on this issue, please contact PIA’s federal affairs department or visit HUwww.pianet.com/regulationUH.

National Association of Professional Insurance AgentsPIA Federal Affairs • 400 North Washington St., Alexandria, VA 22314-2353 • Phone: (703) 836-9340 • Fax: (703) 836-1279


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Issue PaperInsurance Regulation

February 2013

PIA:

• Supports a modernized national system of state-based insurance regulation.• Supports a Federal Insurance Office that strictly adheres to its congressional mandate that it is not

regulator of the business of insurance.• Opposes preemption by a federal insurance regulator, or federal preemption of state insurance

oversight, whether optional or mandatory.

The existing system of insurance regulation is state-based, which provides vital checks and balances to ensure financial stability, safety and soundness, and should therefore be preserved.

The state insurance oversight system has demonstrated far better than others its ability to effectively protect consumers and support a solvent market over many decades. Congress does not need to make radical reforms to insurance oversight as it considers reforms to other parts of the financial services industry.

PIA supports insurance regulatory modernization efforts through the use of state-based tools. An example is expanded use of an all-jurisdiction compact structure, an approach that would be more successful than either an Optional Federal Charter or full federal oversight in encouraging soundness and stability, and avoiding marketplace disruptions.

PIA opposes proposals calling for a federal insurance regulator (whether optional or not), or any system that displaces or interferes with the state insurance law and its state based regulatory system for insurance. Such large-scale federal changes would adversely affect the soundness of insurance markets, restrict the availability of insurance products and undermine successful consumer protections — requirements that are currently either greatly impaired or absent under the federal oversight of the other financial services sectors.

While concerned by its creation, PIA can be supportive of the Federal Insurance Office (FIO) as long as it adheres to the mandate set for it by Congress that specifies it is not a regulator of the business of insurance. This is a role that the FIO correctly notes has been reserved for the states. PIA believes, however, that the FIO can play an immediate, constructive role in helping the states significantly improve the existing insurance regulatory system by workingcooperatively with state regulators and legislators in a complementary fashion.

Additionally, PIA believes the FIO can play a positive role in helping states meet their uniformity and reciprocity goals. The FIO can promote adherence to model laws and regulations and help states make positive changes in their current practices.

Any federal regulatory creep would generate an additional burden on the industry, creating a duplicative regulatory environment and would be opposed by PIA.

For additional information on this issue, please contact PIA’s federal affairs department or visit HUwww.pianet.com/regulationUH.

April 2013

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Issue PaperCrop Insurance

February 2013

PIA:

• Supports a 2013 Farm Bill that continues to utilize the expertise and professional guidance of independent insurance agents.

• Opposes any additional cuts to the Federal Crop Insurance Program (FCIP).• Supports just compensation for independent insurance agents, the key sales force for the FCIP.• Supports swift action, avoiding another expiration of the program.• Supports comprehensive enforcement of anti-rebating and control of business schemes.

The Federal Crop Insurance Program (FCIP) is a highly technical program that relies on the expertise of independent insurance agents. As the face of the FCIP, crop insurance agents work every day to deliver unprecedented financial protections, service and value to farmers. By navigating through the technicalities inherent within the program, they help agricultural producers make sound risk assessments. This is a time consuming and labor intensive process, and it is essential that crop insurance agents be compensated in a fair and equitable manner.

The most recent Standard Reinsurance Agreement (SRA) incorporates totally unnecessary, excessive caps on insurance agent compensation and threatens to undermine the financial success of the program. Such ill-advised cuts have already resulted in job loss and hardship on America’s independent insurance agencies, all in the middle of an already tough economy.

Insurance agents play a vital role in the delivery of the program and have been critical to the overall success and growth of crop insurance. Since Congress called on independent insurance agents to deliver the program in 1981, the total acres insured has increased exponentially. Despite the significant growth, attempts to remove agents from the process, both in whole or partially, remain and PIA strongly opposes such efforts.

The crop insurance program accounts for only 10% of the Farm Bill’s total budget compared to nutrition programs that account for 68%, yet there continues to be attempts by the government to drastically cut funding. The 2008 Farm Bill contained over $6 billion in cuts and the most recent SRA includes an additional $6 billion. The financial investment into the program ensures that this country has strong domestic food security and balanced international trade. Because of its successful history and utmost importance to this country, PIA opposes any additional cuts to the crop insurance program through the 2013 Farm Bill, or any other legislative or regulatory action.

The agriculture community relies on the program as a strong safety net in an unpredictable environment. Allowing the program to expire again is dangerous and makes it difficult for agents to sell and service policies. PIA supports swift action to pass a long term reauthorization before the program’s extension expires on September 30, 2013.

PIA supports ongoing efforts to combat anti-rebating and control of business schemes, and will continue lending expertise to the dialogue on this topic.

For additional information on this issue, please contact PIA’s federal affairs department or visit www.pianet.com/crop.

April 2013

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The National Conference of Insur-ance Legislators (NCOIL) held a special working session on their

insurance binder model during their March NCOIL meetings. The purpose of this session was to examine several amend-ments to the NCOIL binder model sub-mitted by some lenders.

Testifying on behalf of PIA National, Assistant Vice President of Regulatory Affairs David Eppstein said the base model adequately addressed the principle concerns of the lenders by making it clear that the binder serves as adequate evidence of coverage until the policy is issued.

The NCOIL binder model also pro-

vides some basic coverage information to be included on the binder, such as a description and amount of coverage, date of coverage and information on the insured. The lenders were mainly interested in making sure that they had either the policy or the binder delivered to them in a timely manner.

Eppstein testified that insurers have every incentive to issue the policy in a timely manner because the vagueness of the binder benefits the insured. If a loss occurs during the binder period, it will likely be covered. If a loss occurs after the policy is issued, the particular peril that caused the loss may be specifically excluded in the policy.

Instead of acting on the amend-ments, Chairman Matthew Lehman (IN) strongly urged the parties to work together toward a compromise at the Association for Cooperative Operations Research and Development (ACORD). The compromise contemplated at ACORD would essentially merge the ACORD 75 binder with the ACORD 28 certificate, creating a new binder form for use by commercial lenders called the 875. Eppstein said PIA National sup-ports this concept and would work with the other groups involved to help final-ize a satisfactory form.

NCOIL Discusses Binder Model

14 April 2013www.pianet.com

affilia

tesNEW HAMPSHIRE

PIA of New Hampshire, P.O. Box 997, Glenmont NY 12077-0997PHONE: (800) 424-4244 • FAX: (518) 434-2342e-mail: [email protected] • Web Site: www.pia.org

NEW JERSEYPIA New Jersey, P.O. Box 997, Glenmont NY 12077-0997PHONE: (800) 424-4244 • FAX: (518) 434-2342e-mail: [email protected] • Web Site: www.pia.org

NEW YORKPIA New York, P.O. Box 997, Glenmont NY 12077-0997PHONE: (800) 424-4244 • FAX: (518) 434-2342e-mail: [email protected] • Web Site: www.pia.org

NORTH CAROLINAPIANC, PO Box B, Henderson, NC 27536PHONE: (877) 401-6822 • (877) 98PIANC • FAX: (877) 499-2849e-mail: [email protected] • Web Site: www.piaofnc.com

NORTH DAKOTAPIA of North Dakota1211 Memorial Hwy Holiday Park Office #6, Bismarck, ND 58504-5213PHONE: (701) 223-5025 • (800) 733-1050 ND&MN onlyFAX: (701) 223-9456 • e-mail: [email protected] • Web Site: www.piand.com

OHIOPIA of Ohio, Inc., 600 Cross Pointe Road, Gahanna, OH 43230PHONE: (614) 552-8000 • (800) 555-1742 • FAX: (614) 552-0115e-mail: [email protected] • Web Site: www.piaaohio.com

OKLAHOMAPIA of Oklahoma, P.O. Box 12921, Oklahoma City, OK 73157PHONE: (405) 942-1119 • FAX: (405) 943-4380e-mail: [email protected] • Web Site: www.piaok.com

OREGON/IDAHOPIA of Oregon/Idaho, 3205 Northeast 78th Street, #104, Vancouver, WA 98665PHONE: (503) 287-7570 • FAX: (360) 571-7600e-mail: [email protected] • Web Site: www.piawest.com

PENNSYLVANIAPHONE: (703) 836-9340 • FAX: (703) 836-1279e-mail: [email protected] • Web Site: www.pianet.com

PUERTO RICO & CARIBBEANPIA of Puerto Rico and the Caribbean IncPO Box 192389, San Juan, PR 00919-2389PHONE: (787) 792-7849 • FAX: (787) 792-4745e-mail: [email protected] • Web Site: www.piaofpr.com

RHODE ISLANDPHONE: (703) 836-9340 • FAX: (703) 836-1279e-mail: [email protected] • Web Site: www.pianet.com

SOUTH CAROLINAPIA of South Carolina, PO Box 21367, Columbia, SC 29221-1367PHONE: (803) 772-0557 • (888) 742-6372 • FAX: (803) 772-0846e-mail: [email protected] • Web Site: www.piasc.net

SOUTH DAKOTAPHONE: (703) 836-9340 • FAX: (703) 836-1279e-mail: [email protected] • Web Site: www.pianet.com

TENNESSEEPIA of Tennessee Inc, 504 Autumn Springs Court Suite A-2, Franklin, TN 37067PHONE: (615) 771-1177 • FAX: (615) 771-3456e-mail: [email protected] • Web Site: www.piatn.com

TEXASTexas Insurance Professionals 815 TL Townsend, Dr Ste #106, Rockwall, TX 75087PHONE: (214) 632-9238 • FAX: (512) 301-0265e-mail: [email protected] • Web Site: www.piatx.org

UTAHUtah Association of Independent Insurance Agents4885 S. 900 E., Suite 302, Salt Lake City, UT 84117PHONE: (801) 269-1200 • FAX: (801) 269-1265e-mail: [email protected] • Web Site: www.uaiia.org

VERMONTVermont Insurance Agents Association, P.O. Box 1387, Montpelier, VT 05601PHONE: (802) 229-5884 • FAX: (802) 223-0868e-mail: [email protected] • Web Site: www.viaa.org

VIRGINIA/DCPIA Assn of Virginia & DC, 8751 Park Central Dr., Ste 140, Richmond, VA 23227PHONE: (804) 264-2582 • FAX: (804) 266-1075e-mail: [email protected] • Web Site: www.piavadc.com

WASHINGTON/ALASKAPIA of WA/AK, 3205 Northeast 78th Street, #104, Vancouver, WA 98665PHONE: (360) 571-7100 • FAX: (360) 571-7600e-mail: [email protected] • Web Site: www.piawest.com

WEST VIRGINIAPHONE: (703) 836-9340 • FAX: (703) 836-1279e-mail: [email protected] • Web Site: www.pianet.com

WISCONSINPIA of Wisconsin, Inc., 6401 Odana Road, Madison, WI 53719-1126PHONE: (608) 274-8188 • (800) 261-7429 • FAX: (608) 274-8195e-mail: [email protected] • Web Site: www.piaw.org

WYOMINGAssoc. of Wyoming Ins. Agents, PO Box 799, Sundance, WY 82729-0799PHONE: (307) 283-2052 • FAX: (775) 796-3122e-mail: [email protected] • Web Site: www.awia.com

affilia

tesALABAMA

PIA of Alabama, 3805 Crestwood Pkwy NW #140, Duluth, GA 30096PHONE: (770) 921-7585 • FAX: (770) 921-7590e-mail: [email protected] • Web Site: www.piaga.com

ARKANSASPIA of Arkansas Inc., 10025 W. Markham, Little Rock, AR 72205PHONE: (501) 225-1645 • FAX: (501) 225-2550e-mail: [email protected] • Web Site: www.piaar.com

CA/NV/AZ/NMPIA Group, 3205 Northeast 78th St #104, Vancouver, WA 98665PHONE: (888) 246-4466 • FAX: (360) 571-7600e-mail: [email protected] • Web Site: www.piawest.com

COLORADOPHONE: (703) 836-9340 • FAX: (703) 836-1279e-mail: [email protected] • Web Site: www.pianet.com

CONNECTICUTPIA of Connecticut, P.O. Box 997, Glenmont, NY 12077-0997PHONE: (800) 424-4244 • FAX: (518) 434-2342e-mail: [email protected] • Web Site: www.pia.org

DELAWAREPHONE: (703) 836-9340 • FAX: (703) 836-1279e-mail: [email protected] • Web Site: www.pianet.com

FLORIDAPIA of Florida, Inc., 1390 Timberlane Road, Tallahassee, FL 32312-1766PHONE: (850) 893-8245 • (800) 277-1171 FL only • FAX: (850) 893-8316e-mail: [email protected] • Web Site: www.piafl.org

GEORGIAThe PIA of Georgia, Inc., 3805 Crestwood Pkwy NW #140, Duluth, GA 30096PHONE: (770) 921-7585 • FAX: (770) 921-7590e-mail: [email protected] • Web Site: www.piaga.com

HAWAIIPIA of Hawaii, 146 Hekili St # 201A, Kailua, HI 96734-2835PHONE: (808) 261-9460 • FAX: (808) 262-5355e-mail: [email protected] • Web Site: www.piahawaii.com

ILLINOISPHONE: (703) 836-9340 • FAX: (703) 836-1279e-mail: [email protected] • Web Site: www.pianet.com

INDIANAPIA of Indiana, 50 E. 91 Street Ste. 207 Indianapolis, IN 46240PHONE: (317) 899-9200 • FAX: (317) 493-0408e-mail: [email protected] • Web Site: www.indianapia.com

KANSASKansas Association of Professional Insurance Agents216 SW 7th Ave, Topeka, KS 66603PHONE: (785) 232-4143 • FAX: (785) 232-0272e-mail: [email protected] • Web Site: www.kansaspia.org

KENTUCKYPIA of Kentucky, P.O. Box 4205, Frankfort, KY 40604-4205PHONE: (502) 875-3888 • FAX: (502) 227-0839e-mail: [email protected] • Web Site: www.piaky.org

LOUISIANAPIA of Louisiana Inc., 8064 Summa Avenue, Suite C, Baton Rouge, LA 70809PHONE: (225) 766-7770 • (800) 349-3434 LA only • FAX: (225) 766-1601e-mail: [email protected] • Web Site: www.piaoflouisiana.com

MAINEMaine Insurance Agents Association, 432 Western Avenue, Augusta, ME 04330PHONE: (207) 623-1875 • FAX: (207) 626-0275e-mail: [email protected] • Web Site: www.maineagents.com

MARYLANDInsurance Agents & Brokers of Maryland P.O. Box 2023, Mechanicsburg, PA 17055-0763PHONE: (717) 795-9100 • FAX: (717) 795-8347e-mail: [email protected] • Web Site: www.iabgroup.com

MASSACHUSETTSPHONE: (703) 836-9340 • FAX: (703) 836-1279e-mail: [email protected] • Web Site: www.pianet.com

MICHIGANMichigan PIA, P.O. Box 99579 Troy, Michigan, 48099PHONE: (616) 454-4461 • FAX: (616) 454-4491e-mail: [email protected] • Web Site: www.mipia.com

MINNESOTAPIA of Minnesota, 8646 Eagle Creek Circle, Suite 202, Savage, MN 55378PHONE: (866) 694-7070 • FAX: (866) 749-8678e-mail: [email protected] • Web Site: www.piamn.com

MISSISSIPPIPIA Association of Mississippi, 4 River Bend Place, #115, Jackson, MS 39232PHONE: (601) 936-6474 • FAX: (601) 936-6477 • (800) 898-0136 MS onlye-mail: [email protected] • Web Site: www.piams.com

MISSOURIMissouri Association of Insurance AgentsP.O. Box 1785, Jefferson City, MO 65102-1785PHONE: 573-893-4301 • FAX: 573-893-3708e-mail: [email protected] • Web Site: www.missouriagent.org

MONTANAPIA of Montana, 3205 NE 78th St Ste 104, Vancouver, WA 98665-0697PHONE: (888) 246-4466 • FAX: (360) 571-7600e-mail: [email protected] • Web Site: www.piawest.com

NEBRASKA/IOWAPIA of Nebraska/Iowa, 920 South 107th Avenue, Suite 305, Omaha, NE 68114PHONE: (402) 392-1611 • FAX: (402) 392-2228e-mail: [email protected] • Web Site: www.pianeia.com

2013 PIA National

Pinnacle PartnersBankers Insurance Group

Encompass Insurance Erie Insurance

Harleysville Insurance Progressive Insurance

QBE the Americas State Auto Group

The Hartford The Motorists Insurance Group

P INNAC L E PARTNER

Do you have questions about the Affordable Care Act (aka Obamacare)?

PIA’s Health Care Reform FAQ currently includes answers to questions such as:

1. What is a health exchange or a marketplace?

2. My state has decided against setting up a health exchange. What happens now?

3. What is a SHOP Exchange?4. What are Essential Health

Benefits?5. What is a Qualified Health Plan?6. What new ACA provisions will

be implemented this year?7. Can agents be part of the health

exchange?8. What is a “navigator?”9. What is an “assister?”

To read answers to these important health care reform questions, please visit www.pianet.com/faq.

Today, most insurance b u y e r s

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up with Agoragate for one of the Enhance Insurance Web pages. Shortly after it was set up, I received a call from a lady in Michigan who was buying a home in Minneapolis and needed to find an agent to write the homeowners insurance. She found me through the Enhance Insurance Web page. I ended up writing both her home and auto insurance. I am certain that this person never would have found me without this website from Agoragate!” See Eric’s Enhance Insurance micro-site here: www.enhanceinsurance.com/ eric-rongstad

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Through PIA and Agoragate’s mem-ber benefits program, PIA member agents who register for an Enhance Insurance by Agoragate microsite sub-scription receive a substantial discount. To learn more, visit PIA National’s web-site at www.pianet.com/agoragate.

Visit the PIA Member Benefits section of www.PIANET.com or use the information below to act now.

Visit www.PIANET.com for additional Member Benefits including the PIA Branding Program, Reaching Gen Y, Guide to Successful Planning, Perpetuation Central, Agency Agreement Review Service, PIA logos and more.

Insurance Productsn Errors and Omissions InsuranceSolid E&O protection built around your unique needs. (800) 742-6900 Ext. 348n Penn National Insurance Agent’s Umbrella ProgramComprehensive 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. 348n Hartford Flood InsuranceEasy enrollment process, competitive commissions, advanced Internet services, plus a variety of programs and surplus lines. Call (860) 547-5006.n PIA Trust ProductsBasic, Voluntary and Dependent Term Life; Long Term Disability; Short Term Disability; Business Overhead Expense; ADD; Hospital Indemnity (800) 336-4759; www.piatrust.comn Agency Revenue ToolsEmployee worksite marketing using your appointed markets at regular commission rates. (703) 518-1353

Financial Servicesn Bank of America Financial ProductsPersonal and business credit cards. www.pianet.com/bankofamerica

“PIA Plus” Products/Discountsn Internet Marketing by Agoragate.Most insurance sales start with online

research. Agoragate embeds agents' pro-files alongside web articles so prospects can find you online.www.pianet.com/agoragaten Agency Web SitesCutting-edge, user-friendly and feature rich agency web sites from PIA and Emerald.www.bestagencywebsites.comn PIA Logo Wear & GearShirts, jackets, mugs and more with the PIA Main Street Logo featuring PIA’s tagline, Local Agents Serving Main Street America.SM www.pianet.com/piaonlinestoren Alamo Car RentalGet unlimited mileage and up to 20% off already low retail rates. 1-800-GO-ALAMO (1-800-462-5266) (I.D. # 93140)n Central Licensing BureauSave time and money by using CLB for all your agency licensing needs. (501) 664-8044n Consumer BrochuresAnswer clients’ questions with profession-al brochures from PIA. (703) 518-1381.n Free SubscriptionPIA members, receive a free subscription to Rough Notes magazine at www.pianet.com/freesubscriptions n Data Protective ServicesCustomer data on agency computers? Manage data security and understand your compliance risk. www.pianet.com/dataprotectiveservicesn Mines Press Calendar ProductsPersonalized calendars at member only prices. www.pianet.com/minespress

n Omnia Employee ProfilingSkills and personality testing. Contact Carletta Neal at (800) 525-7117 Ext. 1226.n Online Data Backup & RecoveryBackup critical files to a secure, remote location through Courtesy Computers, the insurance agency specialists. www.pianet.com/courtesyn Rough Notes Producer OnlineHelps identify risk exposures and provides detailed coverage analysis. Avail. to PIA members for $500 annually (reg. $1,695). Call 800-428-4384. Use your PIA member ID# above name on mailing label.n Sircon’s Producer WorkbenchMeet your licensing and renewal needs quickly and easily on the web. PIA member-only 15% discount. Visit www.pianet.com/sirconn United Parcel Service (UPS)Reduced rates on many popular UPS shipping options. UPS account required. www.savewithups.com/pianational

PIA National-only MembersBenefits exclusively for members in CO, DE, IL, MA, PA, RI, SD & WV.n Agent Success Acceleration ProgramWebinars to help agents win and retain business. www.piaasap.comn WebCE DiscountReceive a 10% PIA member discount when linking through PIA. www.pianet.com/ nationalonlymembership

Agents Are Talking About Enhance Insurance by Agoragate

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PRSRT STANDARDU.S POSTAGE

PAIDPERMIT #593

MERRIFIELD, VA

400 N. Washington StreetAlexandria, VA 22314

Help Build Your Family’s Financial Future With

PIA Trust Insurance Plans

INSURANCE PLANS DESIGNED WITH LOCAL AGENTS IN MIND

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Short & Long Term Disability Business Overhead Expense Accidental Death & Dismemberment

Basic Term Life** Voluntary Term Life Dependent Term Life Hospital Indemnity

PIA SERVICES GROUPINSURANCE FUND

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. All coverages underwritten by Unimerica Insurance Company, Association Administrative

Address, P.O. Box 17828, Portland, ME 04112-8828. Insurance Program Administered by Lockton Risk Services.

PIA Membership must be in good standing at all times. This brochure is not intended to provide full coverage details. A complete listing of these coverages including exclusions and limitations can be found in the policy forms. If differences exist between these summaries and the policy forms, the policy forms will govern. The policies may vary or be unavailable in some states.

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April 2013 National Association of Professional Insurance ...eral Insurance Office (FIO) might try to usurp the insurance regulatory authority of the states, limiting the coverage

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