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

 

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

CPIA 1
Position for Success

CPIA 2
Implement for Success

CPIA 3
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
information

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

Oregon — All insurance producers and producer license applicants: The Oregon Division of Financial Regulation (DFR) wishes to publish a bulletin regarding producer contact information, communications, and application guidance. 

Purpose

The purpose of this bulletin is to clarify Division of Financial Regulation (DFR) expectations for insurance producers and producer license applicants to provide:

1. Proper contact information and notification of changes in address or contact information.

2. Notification of regulatory action or criminal case.

3. Timely response to a director inquiry.

4. Accurate and complete information in applications and information sent to the division.

5. When applying for an insurance license to submit no more than one application at a time.

Public comments requested:

Public comment will be accepted for 4 weeks. Please submit public comment to DFR.Bulletin@dcbs.oregon.gov.

Last day for public comment: Friday, August 18, 2023, 5 p.m.

Click here to review proposed bulletin:

https://dfr.oregon.gov/laws-rules/Documents/Bulletins/proposed/insurance-producer-contact-info.pdf

Washington — Rule-Making Agenda for the rest of 2023: Click this link to see Washington Insurance Commissioner Mike Kreidler’s rule making agenda for the rest of 2023 — https://www.insurance.wa.gov/sites/default/files/documents/July-2023-semi-annual-rulemaking-agenda.pdf?utm_content=&utm_medium=email&utm_name=&utm_source=govdelivery&utm_term=

Washington — Request for information: BBPA dispute resolution mechanism

Thank you for your interest in balance billing from the Washington State Office of the Insurance Commissioner. 

On February 1, 2023, OIC released a request for information (RFI) for the Balance Billing Protection Act (BBPA) dispute resolution mechanism. OIC solicited comments as to whether, under the authority provided in RCW 48.49.040, Washington state should transition to the federal No Surprises Act (NSA) Independent Dispute Resolution (IDR) process on July 1, 2023 or continue to use the BBPA arbitration system to resolve disputes between carriers (or self-funded group health plans that have elected to participate in the BBPA) and nonparticipating providers.

On February 27, 2023, in response to comments received to the request for information, OIC announced that it would be delaying transition to the NSA IDR system for a minimum of six months.

We are now releasing a second request for information soliciting comments as to whether Washington state should transition to the federal NSA IDR system on January 1, 2024, or continue to use the BBPA arbitration system to resolve disputes between carriers (or self-funded group health plans that have elected to participate in the BBPA) and nonparticipating providers. For more information on this RFI or the BBPA, please visit our webpage on arbitration.

Comments on this RFI are due August 4, 2023; please send them to policy@oic.wa.gov. OIC will provide an update on this issue on or before September 1, 2023.

Washington — Notice of rulemaking on eliminating prelicensing education requirements for insurance producers (R 2023-04): We are starting rulemaking (R 2023-04) to implement HB 1061 which amends existing law to eliminate the requirement that an applicant for a resident insurance producer license complete a pre-licensure course of study for the lines of authority for which the person applied. Rulemaking is required to remove language referencing pre-licensing education from existing rules to align with newly the amended statute.

Comments are due August 9, 2023; please send them to rulescoordinator@oic.wa.gov.

For more information, including the notice to start rulemaking (CR-101), please visit the rule’s webpage.

Washington — Notice of rulemaking on best interest standard for annuities (R 2023-05): We are starting rulemaking (R 2023-05) to implement Chapter 64, Laws of 2023, concerning the best interest standard for annuities. HB 1120, concerning the best interest standard for annuities, passed during the 68th Legislative Session. The new law will update Washington’s ‘suitability standard’ for annuity transactions to a ‘best interest’ threshold and aligns with updates the National Association of Insurance Commissioners (NAIC) made to Model Regulation # 275 on Annuity Transactions. The new law requires producers (and insurers where no producer is involved) to act in the best interests of their consumers when recommending annuities, complete annuity specific training, and to establish and maintain recommendation supervision systems that ensure the insurance needs and financial objectives of consumers are effectively addressed.

The Commissioner is considering rulemaking to fully align the regulations in the Insurance Code with the new law and updates to NAIC Model Regulation # 275. OIC rulemaking will be needed to update training requirements, revise the prior ‘suitability standard’ with the new ‘best interest’ threshold, and generally achieve alignment between the applicable authorities.

Comments are due August 2, 2023; please send them to rulescoordinator@oic.wa.gov.

For more information, including the notice to start rulemaking (CR-101), please visit the rule’s webpage.

Washington — Notice of rulemaking on risk mitigation goods and services in property insurance (R 2023-03): We are starting rulemaking (R2023-03) to implement SSB 5720 (2023) which amends existing law to no longer exclude commercial property insurers from providing goods and services intended to reduce the probability of loss as part of an insurance policy. SSB 5720 removes the commissioner’s rulemaking authority to increase the value of risk mitigation goods and services. The purpose of this rule is to align existing rule language with newly amended statutes.

Comments are due October 2, 2023, please send them to rulescoordinator@oic.wa.gov.

For more information, including the notice of expedited rulemaking (CR-105), please visit the rule’s webpage.

Washington — Notice of rulemaking on the revising the prior authorization process (R 2023-02): We are starting rulemaking (R 2023-02) to implement Chapter 382, Laws of 2023, concerning prior authorization modernization for commercial health plans under RCW 48.43. The new law alters prior authorization decision timelines, electronic and non-electronic submission standards, and communication and reporting requirements. OIC rulemaking is necessary to ensure the statutory changes are aligned with WAC 284-43, 284-170, and any other affected chapters.

Comments are due August 7, 2023; please send them to rulescoordinator@oic.wa.gov.

For more information, including the notice to start rulemaking (CR-101), please visit the rule’s webpage.

Washington — Notice of rulemaking on the implementation of SHB 1266 (R 2023-01): We are starting rulemaking (R2023-01) to implement SHB 1266 (Chapter 27, Laws of 2023.) This law clarified how the Commissioner may communicate with licensees. This rulemaking is to align which address of record the Commissioner will rely on to communicate with licensees.

Comments are due August 9, 2023 please send them to rulescoordinator@oic.wa.gov.

For more information, including the notice to start rulemaking (CR-101), please visit the rule’s webpage.

New Rules by the FTC for Irritating Robocalls & Telemarketing — Will They Work?

The Federal Trade Commission (FTC) says it’s going to crack down on those companies sending out endless — and unwanted — robocalls and telemarketing calls. Operation Stop Scam Calls is being led by the FTC and involves 101 other federal and state law enforcement agencies. This includes the attorneys general for all 50 states and …

New Rules by the FTC for Irritating Robocalls & Telemarketing — Will They Work? Read More »

San Jose, California’s Gun Insurance Law Upheld

The city of San Jose, California passed an ordinance that requires gun owners to carry liability insurance to cover possible accidental shootings. Gun rights groups immediately filed a lawsuit. Leading the charge is the National Association for Gun Rights. It claims the ordinance violates the Second Amendment to the U.S. Constitution that says people have …

San Jose, California’s Gun Insurance Law Upheld Read More »

A Study: The Auto Insurance Crisis

The American Property Casualty Insurance Association (APCIA) just released a study on rising auto insurance rates and the problems rising costs are causing. Auto Insurance: The Uncertain Road Ahead points out that the combination of increasing inflation and claims inflation are driving auto insurance losses and combined ratios to worrisome levels. Auto insurance losses are …

A Study: The Auto Insurance Crisis Read More »

Washington Commissioner Kreidler Holds Claims Hearing

Washington Insurance Commissioner Mike Kreidler says insurers in Washington are denying claims without a “suitable explanation.” He contends insurance companies are “deliberately” delaying responses when claims are filed, and the applications now used to estimate claims are lowering what they’ll pay for a claim and also without explanation. The commissioner held a public hearing on …

Washington Commissioner Kreidler Holds Claims Hearing Read More »

Another PIA Conference: Working on Your Behalf — Always

The annual joint PIA Washington/Alaska-IIABW conference will be at the Davenport Grand Hotel in Spokane, Washington on September 27-29. Before you dive for your calendar, that’s a Wednesday, Thursday and Friday. Since 2011, the Washington Joint Conference has brought together the best the industry has to offer in education and networking. Nothing we do is …

Another PIA Conference: Working on Your Behalf — Always Read More »

PIA Montana Awards Agent and Company Person of the Year

PIA Montana’s annual conference was held last week. As always, the association hands out awards to the best of the PIA’s best. The agent of the year award is the PIA’s way of saying thank you and recognizing that special individual whose accomplishments exemplify the best qualities an independent insurance agent can possess: integrity, dedication …

PIA Montana Awards Agent and Company Person of the Year Read More »

PIA-Backed Main Street Tax Certainty Act Reintroduced

On July 18, Congressman Lloyd Smucker (R-PA) introduced H.R. 4721, the “Main Street Tax Certainty Act of 2023,” which would make permanent the 20 percent tax deduction currently available to some passthrough entities. PIA strongly supports this legislation, and in advance of its introduction joined a coalition of businesses groups in a letter of support …

PIA-Backed Main Street Tax Certainty Act Reintroduced Read More »