The Western Alliance is proud to announce CPIA designation courses will be available via webinar format beginning in January 2024 at  


Check our calendar of events for course informatioin.  

Registrations will be open soon!

CPIA - Certified Professional Insurance Agent

Empowering Insurance Professionals into the Future

The CPIA designation is first-of-its-kind, hands-on, how-to training. To earn the CPIA designation candidates are required to participate in a series of three, one-day seminars THE BEST PART IS NO EXAMS!
Completion is due three years from the first course.

These seminars are designed to enhance the ability of producers, sales support staff, and company personnel to efficiently create and distribute effective insurance programs. Participants leave with ideas that will produce sales results immediately.

While not a requirement, it is recommended that courses are taken in order.E&O Discounts apply for Utica National Policy Holders.

Each of the 3 courses are approved for 7 CE in
AZ | CA | ID | MT | NM | NV | OR | WA

Course Modules

Position for Success

Implement for Success

Sustain Success

During this workshop, participants focus on internal and external factors affecting
the creation of effective business development goals.

Factors discussed include:

current state of the insurance                 marketplace

competitive pressures

insurance carrier underwriting criteria

consumer expectations.

During this workshop, participants learn:

specific tools for analyzing consumer needs

how to utilize risk identification techniques to gather pertinent prospect

skills necessary to assimilate information gathered into customized coverage recommendations

how to prepare a complete submission

tips for preparing and presenting a comprehensive insurance proposal

This workshop focuses on fulfilling the implied promises contained in the insuring agreement.

Participants will:

review methods of providing evidence of insurance coverage

discuss policies and procedures for controlling errors and omissions including policy review and delivery, endorsements, claims-processing, and handling of client complaints

learn how to calculate the lifetime value of a client and techniques for generating referrals.

CPIA Update Requirement

The Certified Professional Insurance Agent designation stands for professionalism, commitment to professional training and results, and technical knowledge. To maintain the right
to use the CPIA designation, designees must complete an update on an annual basis * or maintain a Ruby, Sapphire or Diamond level membership with the CPIA Program.

* CPIA 1, CPIA 2, CPIA 3, Special Topics:

An Agent’s Guide to Understanding and Mitigating Cyber Exposures

Disaster and Continuity Planning for Business and Families

An E&O Loss Control Program for Agencies

After a long court and public opinion battle over credit scoring, Washington Insurance Commissioner Mike Kreidler is proposing a new regulation for insurers. It’s one — like credit scoring — that is going to be questioned and protested by insurers and insurance groups.

Kreidler’s new rule will force insurance companies to explain premium increases to their policyholders in language they can understand.

“If your insurance company is going to increase your premium, you have a right to know why,” the commissioner said in his news release on the matter. “This is pretty basic information you should expect from your insurance company, but we hear from hundreds of consumers every year who cannot get a straight answer on why they’re being charged more.”

Kreidler says this kind of confusion is the top complaint his office hears about auto or homeowners insurance policies. The price is going up and insurers don’t say why.

He then pointed out to five meetings the OIC held with “interested parties” about providing more transparency in changes to premiums. Kreidler’s news release said the meetings revealed the people are confused and he blamed insurance companies for the confusion.

“We learned that some insurers’ rating formulas have become so complex, they can’t readily specify the reasons behind someone’s premium change,” the news release said. “Some insurers’ computer systems are unable to generate a clear answer.”

Kenton Brine, president of the NW Insurance Council, said not so fast! His group, along with the PIA Washington, the American Property Casualty Insurance Association (APCIA), the National Association for Mutual Insurance Companies (NAMIC), and others, fought Kreidler over his credit scoring rule.

“Our concern from the outset with the premium change transparency rule is that it would end up requiring policyholders to wade through massive explanatory documents filled with equations and formulas better suited to insurance actuaries and regulators — rendering the information useless to consumers, at the potential cost of hundreds of millions of dollars to insurers,” he said.

Mark Sektnan is the vice president for state government relations for the APCIA. He said this rule — like Kreidler’s credit scoring edict — is problematic because it has “the real potential to delay the approval of rate filings, which will delay the availability of insurance products.”

Erin Collins of NAMIC agreed and said this is an “insurance cost-driver” without “creating any meaningful benefit to the consumer.”

In other words, “Regulation for regulation’s sake is not consumer protection,” Collins said.

Kreidler’s rule — if approved — runs from June 1, 2024, to June 1, 2027. Starting June 1, 2027:

  • Insurance companies must provide a written notice to policyholders who received a premium increase of 10% or more explaining the primary factors behind the increase. They must also provide this same notice to any policyholder who asks.
  • Primary factors include: the vehicle’s location, driving record, miles driven, number of drivers, claims history, discounts, fees and surcharges, the driver’s age, credit history, education, gender, marital status, occupation, property age, and value.

A public hearing will be held on the rule on April 25, 2023. Interested parties can attend the meeting in Tumwater, Washington or can catch the proceedings on Zoom.

Source link: Washington Department of Insurance —

Source link: —

Commercial Insurance Rates Keep Rising — Ivans Insurance Services Report

Like most months in the last few years, commercial insurance rates increased. Some more than others, but overall, and on the average, rates rose significantly. As has been the last few years, workers’ compensation is the only line to see a rate decrease. This report comes courtesy of Ivans Insurance Services who said only commercial …

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Failed Banks — Part 2: Banks Want an FDIC Guarantee Expansion

The Federal Deposit Insurance Corporation (FDIC) insures bank deposits up to $250,000. Anything above $250,000 is gone. A lot of investors were shocked to learn that when Silicon Valley Bank, Silvergate and Signature Bank failed last week. A coalition of mid-sized banks want the FDIC to change that. The worry is a bank run because …

Failed Banks — Part 2: Banks Want an FDIC Guarantee Expansion Read More »