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

Idaho — Insurance Fraud: The Idaho Department of Insurance (DOI) said Travis Bell of Rexburg, Idaho was sentenced on one count of felony insurance fraud under Idaho Code 41-293(1)(c) in Fremont County on February 13, 2024. 

Between April and May of 2019, Bell filed 35 fraudulent claims for wellness visits on an AFLAC policy and received $2,340.00 from ALFAC. The DOI was notified of Mr. Bell’s suspected insurance fraud by AFLAC in June of 2021.

Following a DOI investigation, Bell admitted he filed the false claims to help with personal financial issues. He pleaded guilty to one count of felony insurance fraud in July 2023.

Bell was sentenced to three years of prison (one fixed, two indeterminate) which were suspended for three years of probation. Bell was ordered to complete 50 hours of community service, a Healthy Thinking Class, and pay a $500 fine and restitution of $2,340 to AFLAC and $1,205.03 to DOI.

“Insurance fraud is a felony and a major contributor to rising insurance prices for consumers,” said Director Dean Cameron. “A fraudulent claim may not seem like a big deal on the surface, but insurance fraud costs every family in Idaho in the form of higher insurance premiums.”

Oregon — Division of Financial Regulation publishes Oregon Investor Guide, other educational resources for the public: Deciding how and where to invest your money can be a difficult and overwhelming decision. The Oregon Division of Financial Regulation (DFR) now has resources available to help.

The division recently published the Oregon Investor Guide, a free publication that is available both in print and online. DFR created this guide to take the mystery out of investing and provide a useful resource for new and experienced investors alike. The contents are accurate, unbiased, and simply stated to make investing concepts easy to understand, and to help you make the best investment decisions possible. Whether you invest on your own or entrust your investments with a professional, education is the best defense against fraud and making uninformed decisions.

This publication is part of the division’s efforts to update consumer education resources available to the public. The division’s website now features the following new guides:

Military guide to money and investing

 Marriage and money: Starting your financial life together

 Your new job: Starting your financial future

 Investment fraud: Spot the red flags. Take Action!

“This investor guide, along with other updated materials, gives us a good library of resources in areas where the public tells us they are needed most,” said TK Keen, DFR administrator. “Some of these guides help specific communities at specific times in their lives. There are challenges newlyweds face when they are combining finances and military personnel have unique money management situations. We can help Oregonians at different points in their lives, whether it’s providing guidance on repaying student loans, making health insurance choices, or beginning new employment. We are excited about these new resources.”

You can view all of DFR’s publications on its consumer education and engagement page.

To obtain print copies of any of the division’s consumer guides, email your request to outreach.dfr@dcbs.oregon.gov. Paper copies will also be available at all tabling events and presentations the consumer education and engagement team attend.

Washington — Legislature Update from the PIA: Budget proposals and more bill deadlines as session enters final three weeks

Come Monday, just 17 days will remain in this year’s legislative session, and with the anticipated introduction of the chambers’ supplemental budget proposals and further committee cutoff deadlines, matters are progressing toward an on time adjournment on March 7th. With the major house of origin cutoff winnowing the number of bills left in play last week, and the opposite chamber policy committee cutoff this Wednesday, remaining bills are narrowing even further. The Senate in particular has expressed challenges with the short number of days before cutoff getting hearings on all of the priorities the House sent over.

Here’s a summary of the top action this past week, and a look ahead to next week:

Initiatives

Leaders in the House and Senate Democratic caucuses made some news this week when it was announced that the two chambers will not be holding a hearing before adjournment on the initiatives to repeal the Climate Commitment Act (I-2117), the state’s capital gains tax (I-2109), and to make the state’s long term care insurance program optional (I-2124). They did, however, state the House and Senate will hold joint public hearings on February 27th and 28th on the remaining three initiatives, which roll back restrictions on police pursuits (I-2113), ban state and local income taxes (I-2111), and increase parental rights in public education (I-2081). The announcement made clear that the first three initiatives will go straight to the voters in November without the possibility of a legislative alternative.

Budgets

The state’s Economic & Revenue Forecast Council released its February revenue forecast on Wednesday, supplying the projections that will inform the forthcoming budget proposals. The Council forecasts a $121.8 million increase in the 2023-25 biennium and a $215.4 million increase in the 2025-27 biennium, resulting in a $67 billion collection for the current biennium, and a projected $71.7 billion collection for the next biennium, both of which reflect increased assumptions over prior forecasts. On the Capital Budget, the Senate moved first with a release and public hearing on Thursday (project list here), projecting a $1.3 billion spend centered on K-12 school construction, behavioral health facilities, and affordable housing projects. Senate Democrats are expected to release their proposed Operating and Transportation Budgets starting Monday, with House Democrats following later in the week. Cost overruns in the transportation budget will dominate the discussion over the next few weeks. Before the legislative session started, the Department of Transportation reported over $1B in cost overruns on three major road construction projects. This is in addition to the reported $3 to $4B needed to finish the court-mandated fish culvert program. Transportation leaders have been vocal about tough questions remain on how and when transportation projects will be completed.

Artificial Intelligence

Of the two competing AI task force proposals, the more business-friendly House version (HB 1934, Couture, R-Allyn) failed to pass by cutoff. SB 5838 (Nguyen, D-West Seattle), did pass the Senate and is before the House Consumer Protection & Business Committee, where it is likely to undergo some additional amendment to look more like the House version. House committee members like the definitions and reporting timelines of the Senate version, but the task force composition of the House version. It is set for hearing Tuesday with a committee vote scheduled on Wednesday. Of the other primary AI bills, SB 6299 (Stanford, D-Bothell), prohibiting AI-generated voice or likeness of employees and the use of AI in certain employment decisions, did not make it out by cutoff. HB 1999 (Orwall, D-Des Moines), prohibiting fabricated intimate images using AI, is still alive and received a Senate Law & Justice Committee hearing Friday afternoon.

Construction

SB 6040 (Valdez, D-Seattle), requiring prime contractors on public works projects to quickly pay state-certified small, women, or minority owned subcontractors, passed the Senate on a 34-15 vote on Tuesday’s cutoff day, and is now set for a public hearing this coming Friday in the House Capital Budget Committee.

Business Regulation

While the session started with an unusually high number of proposals seeking to regulate various aspects of commerce, only a few major proposals remain in play. After a lengthy debate on cutoff day, the House passed HB 2114 on a 54-43 vote with bipartisan opposition. The bill caps residential rent and fee increases at 7 percent per year and is scheduled for a hearing in the Senate Ways & Means Committee on Thursday. It faces an uncertain future as Senate leaders had previously shelved their own rent control proposal, which would have capped rents at a higher 15 percent annual rate. HB 1889 (Walen, D-Bellevue), providing a path to professional licensure in many occupations for individuals regardless of immigration status, is on the move, with a public hearing scheduled in the Senate Labor & Commerce Committee on Monday and potential committee vote Tuesday. SB 6179 (MacEwan, R-Shelton), authorizing biometric age verification systems for alcohol purchases, passed the Senate unanimously on Monday and is up for action in the House Regulated Substances & Gaming Committee this week. HB 1648 (Reeves, D-Federal Way), implementing regulations on the sale, resale, and transfer of tickets to sporting and entertainment events, died at cutoff.

Labor & Employment

Labor and employment regulation has also been a highly active area the past several sessions, although cutoffs this year have narrowed the number of major proposals remaining. HB 1905 (Mena, D-Tacoma), expanding the Washington Equal Pay and Opportunity Act by adding protected classes and opening a pathway to sue for violations, is moving in the Senate, with a vote out of the Senate Labor & Commerce Committee on Thursday. SB 5793 (Saldana, D-Seattle), expanding reasons for covered leave under the state’s paid sick leave law, was heard in the in the House Labor Committee on Friday and has a vote scheduled this coming Tuesday. SB 5778 (Keiser, D-Des Moines) banning workplace “captive audience” meetings about union organizing activities, continues its march toward passage, having been heard in the House Labor & Workplace Standards Committee on Friday, and a committee vote scheduled for this Tuesday. SB 5935 (Stanford, D-Bothell) has attracted some late business community attention. It places further statutory limitations on an employer’s use of non-compete or non-solicitation agreements, and notably, loosens the standing requirements for individuals to challenge non-competes in court. It was voted out of the House Labor & Workplace Standards Committee on Friday.

Social Insurance

The session’s largest controversy between business and labor remains HB 1893 (Doglio, D-Olympia), providing unemployment insurance benefits to workers who go on strike during a labor dispute. After the Senate version of the bill died, the House stayed up until 2:30 a.m. on cutoff day debating amendments and ultimately passing the bill 53-44, with bipartisan opposition. As amended, the proposal caps the amount of benefits at four weeks, and charges the cost of the benefits to the employer whose employees are striking, as opposed to socializing the costs across the UI system. In Long Term Care, SB 6072 (Keiser, D-Des Moines), creating a regulatory structure for supplemental long term care products, passed the Senate 34-15 on Monday and is set for a hearing in the House Health Care & Wellness Committee on Tuesday. SB 6069 (Mullet, D-Issaquah), creating an auto-IRA proposal for covered employers and employees, passed the Senate on a 43-6 vote on Monday, and is set for hearing in the House Consumer Protection & Business Committee on Tuesday, with a vote scheduled for Wednesday. In workers’ compensation, a few minor benefit and coverage expansions are moving along. Notable among them is HB 2382 (Berry, D-Seattle), expanding death benefits for transportation network company (TNC) drivers. It passed the House 57-40 on Tuesday, and is set for a Senate Labor & Commerce Committee vote on Monday.

Insurance

SB 5798 (Kuderer, D-Bellevue), extending notice requirements for auto and homeowners insurance cancellation, was heard by the House Consumer Protection & Business Committee on Friday, where industry efforts to exempt commercial policies met some resistance from committee members. SB 5806, also by Sen. Kuderer, providing confidentiality for data provided by insurers to the Commissioner, was voted out of the same committee on Friday. HB 2330 (Reeves, D-Federal Way), ordering an interim task force study on wildfire risk mitigation, grants, and underwriting transparency, passed the House 95-2 on Monday and was heard on Wednesday in the Senate Agriculture & Natural Resources Committee on Wednesday. HB 2329 (Macri, D-Seattle) requiring the Commissioner perform a market study for property and liability insurance cost and availability for low-income housing providers; passed the House on Tuesday and is set for a Senate Business & Financial Services Committee hearing this Tuesday. A holdover from last year, SB 5652, allowing registered tow truck operators access to insurance payment for clearing roadway hazards, popped up and passed the Senate on Tuesday, with a House Transportation Committee hearing scheduled for this Thursday.

Financial Services

The “Predatory Lender Protection Act,” SB 6025 (Stanford, D-Bothell), is moving in the House, and was voted out of the Consumer Protection & Business Committee on Friday. HB 1915 (Rude, R-Walla Walla), promoting financial literacy education by requiring public schools to include one half credit of financial literacy in high school graduation requirements, passed the House unanimously but has not been scheduled for a hearing in the Senate Early Learning & K-12 Education Committee and may be a casualty of Wednesday’s cutoff.

Civil Justice & Liability

HB 1618 (Farivar, D-Seattle), removing the statute of limitations on tort claims for childhood sexual abuse, but on a prospective-only basis, is moving in the Senate, having been voted out of the Law & Justice Committee on Thursday and referred to the Ways & Means Committee where it is set for public hearing this coming Thursday.

Around the PIA Western Alliance States – Week of November 6, 2023

Oregon — The Oregon Division of Financial Regulation recently announced the following proposed rulemaking: Filing Caption: Amending OAR 836-150-0040 to add ORP payment parameters for plan year 2024 Amend Rule: 836-150-0040 Rule Summary: The current rule defines payment parameters for ORP for claims incurred during plan years 2018-2023. The amended rule will include payment parameters …

Around the PIA Western Alliance States – Week of November 6, 2023 Read More »

Around the PIA Western Alliance States – Week of October 2nd, 2023

Idaho — Idaho’s individual health insurance rates decrease for 2024: Final 2024 premium rates for individual and small group health insurance plans were published by the Idaho Department of Insurance on the Department website at doi.idaho.gov/consumers/health-insurance/idaho-rate-review/ Next year, individual market premium rates will decrease 1% on average, with one carrier decreasing rates by 13%. The …

Around the PIA Western Alliance States – Week of October 2nd, 2023 Read More »

Around the PIA Western Alliance States – Week of September 25, 2023

California — California Supreme Court affirms bail regulation promoting jail security and fair competition in the bail industry: The Department of Insurance has notified bail agents that the California Supreme Court upheld the constitutionality of a long-standing regulation barring bail agents from entering into agreements with jail inmates to be notified when individuals have recently …

Around the PIA Western Alliance States – Week of September 25, 2023 Read More »

Around the Western Alliance States – Week of July 3, 2023

California — Lara Awards Fraud Prevention Grants: Insurance Commissioner Ricardo Lara announced he has awarded $50,545,239 in grants to 34 district attorney offices representing 44 counties in California to combat insurance fraud. Under Commissioner Lara’s leadership, these grants, funded through annual employer assessments, support law enforcement efforts in investigating and prosecuting fraud and increase outreach …

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Around the PIA Western Alliance States – Week of June 26, 2023

Idaho — Idaho DOI to Allow for Temporary Resident Insurance Producer Licenses: Director Dean L. Cameron has authorized the Idaho Department of Insurance to allow applicants for resident insurance producer licenses to request a temporary license, pending review of their criminal history reports. Idaho Code requires applicants for resident insurance producer licenses to submit their …

Around the PIA Western Alliance States – Week of June 26, 2023 Read More »

Around the PIA Western Alliance States for June 19, 2023

California — Commissioner Lara announces appointments to Curriculum Board and CAARP Advisory Committee: Insurance Commissioner Ricardo Lara has made several appointments to help drive forward the California Department of Insurance’s mission to protect consumers. These appointments include naming new members Janise Graham and Doug Smith, as well as reappointed members Monique Howard and Sandra Moriarty, …

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Around the PIA Western Alliance States – Week of May 29th, 2023

Washington — Essential Health Benefit (EHB) public meeting series: The 2023 Legislature enacted SSB 5338, which directs the Office of the Insurance Commissioner to review Washington state’s current Essential Health Benefits (EHB) benchmark plan to determine whether to request approval from the federal government under 45 CFR §156.111  to update the plan. OIC will be …

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Around the PIA Western Alliance States – Week of May 22, 2023

California — Work Comp Written Premiums up 14% from 2021: California’s Workers’ Compensation Insurance Rating Bureau has issued the Quarterly Experience Report. It updates how work comp insurers are doing as of December of last year. Source link: Insurance Journal — https://bit.ly/432SsRw Washington — Kreidler fines Airbnb $20,000 for acting as an unauthorized insurer: Insurance …

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Around the PIA Western Alliance States – Week of May 1st, 2023

Oregon — Wildfire Bill Passes the Oregon Legislature: This bill has passed both chambers and is on the way to the Governor’s Desk: SB 82 establishes certain requirements for insurer that cancels or decides not to renew homeowner insurance policy, or that increases premium, for reason materially related to wildfire risk. Requires insurer to make …

Around the PIA Western Alliance States – Week of May 1st, 2023 Read More »