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 Division of Financial Regulation encourages consumers to check with their insurance carriers about lowering premiums if credit improves

April 4, 2024

Salem – The Oregon Division of Financial Regulation (DFR) has issued a $200,000 fine against State Farm after the company failed to send notices over the past six years informing its insureds of their ability to request an annual credit check, which could affect their premiums. Half of the total fine will be suspended and waived after three years if State Farm complies with all terms of the final order.

This case serves as an important reminder that Oregon law allows consumers to request an annual rerate from their insurer, which could lead to lower premiums, but will not increase them.

State Farm self-reported the violations to DFR in July 2023, informing the division that notices were not sent out due to a system error. Because of that error, the notification required by ORS 746.650(5) and OAR 836-080-0438 were not sent to customers purchasing new automobile insurance policies between Dec. 5, 2017, and Feb. 23, 2023. Specifically, State Farm did not notify the affected consumers at the inception of their coverage that they may have received a lower rate if their credit history or the credit factors used in their credit-based insurance score were more favorable, and that they had the right to request a rerate of the policy no more than once annually. State Farm notified the division that the issue was corrected on Feb. 23, 2023, for any customers purchasing new policies after that date.

As part of DFR’s final order, State Farm agreed to send a notification to all affected consumers who remain customers of State Farm, approximately 134,690 consumers. State Farm began sending notices on Jan. 2, 2024, through a mailing that is separate and apart from the annual policy renewal documents or any other communication. The mailing also includes a statement that Oregon law requires State Farm to provide a notification to customers at the inception of the policy. All mailings must be completed no later than June 30, 2024.

The division, part of the Oregon Department of Consumer and Business Services (DCBS), encourages all consumers to check with their insurance agent or company to see if a credit check would lower their insurance premiums. Consumers are allowed to do a rerate once a year and if their credit improves, their insurance rates may as well. Rerating due to credit may result in either improving or no change to a consumer’s insurance costs, but will not negatively affect it.

“We commend State Farm for self-reporting this violation and taking steps to rectify the situation,” said Andrew R. Stolfi, Oregon’s insurance commissioner and DCBS director. “It is important that Oregon consumers know their rights. State law permits insurance companies to use an individual’s credit history to determine how much they pay for insurance, so it is critically important that consumers know they have the ability to lower their insurance premiums with positive credit.”

Consumers with questions or complaints can contact DFR’s consumer advocates at 888-877-4894 (toll-free) or email dfr.insuranchelp@dcbs.oregon.gov. Consumers can look at their credit reports each calendar year for free by accessing it online, by phone at 877-322-8228 (toll-free), or by completing and mailing the Annual Credit Report Request Form. If any errors are identified, consumers have the right to correct incomplete or inaccurate information with the credit reporting agent that provided the information.

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About Oregon DFR: The Division of Financial Regulation is part of the Department of Consumer and Business Services, Oregon’s largest business regulatory and consumer protection agency. Visit dfr.oregon.gov and  www.dcbs.oregon.gov.​​

Contact information:
Jason Horton, public information officer
503-798-6376
jason.a.horton@dcbs.oregon.gov

You can view or update your subscriptions, password or e-mail address at any time on your User Profile Page. All you will need are your e-mail address and your password (if you selected one).

This service is provided to you at no charge by Oregon Department of Consumer and Business Services. Visit us on the web at http://www.oregon.gov/DCBS/.


P.S. If you have any questions or problems visit subscriberhelp.govdelivery.com for assistance.

2024 Oregon Legislative Session – Bill Tracking as of March 9

The 2024 short session of the Oregon Legislature ended on March 7.  Many of the bills that PIA followed, including a bill to develop an insurance-related risk reduction certification program, died.  The list of those bills which did survive is below. There was no mention of bad faith or other issues of great concern to …

2024 Oregon Legislative Session – Bill Tracking as of March 9 Read More »

Your help is needed to help stop HB 3243-A

4/26/2023 Help Stop HB 3243-A Please call or send emails to these Senate floor votes asking them to vote NO on HB 3243-A: Senator Aaron WoodsSD 13Sen.AaronWoods@oregonlegislature.gov503-986-1713 Senator Elizabeth SteinerSD 17Sen.ElizabethSteiner@oregonlegislature.gov503-986-1717 Senator Janeen SollmanSD 15Sen.JaneenSollman@oregonlegislature.gov503-986-1715 Dear Senator: Please vote no on HB 3243-A.  This bill has the potential to really harm Oregon insurance consumers. It …

Your help is needed to help stop HB 3243-A Read More »

Bad Faith Legislation in Oregon — PIA Oregon/Idaho Members Respond & Help Defeat the Bill

Another credit scoring ban bill has been defeated. This time it was the Oregon Legislature considering one. PIA members doing business in both Washington and Oregon just finished a two-year battle with Washington’s insurance commissioner over the issue.  They were successful.  Now the credit scoring ban issue is in Oregon. When she learned of the …

Bad Faith Legislation in Oregon — PIA Oregon/Idaho Members Respond & Help Defeat the Bill Read More »

PIA Oregon’s Lobbying Efforts — Another Positive Reason for Membership in the PIA

There are many reasons for membership in the PIA. The reasons run from insurance products, access to affordable E&O, education, relationships with companies and other agents and more. One of the many is the association’s connections to what’s happening politically in each of the states we represent. In this case, it’s Oregon. PIA Oregon Lobbyist …

PIA Oregon’s Lobbying Efforts — Another Positive Reason for Membership in the PIA Read More »

Agents Advocate – February 22, 2023

Legislature Hears Bill Banning Use of Credit Score and Other Risk Factors The House Business and Labor Committee on 2/22 heard HB 2920: HB 2920 https://olis.oregonlegislature.gov/liz/2023R1/Downloads/MeasureDocument/HB2920/Introduced Directs insurer to consider only specified information in determining rates for motor vehicle liability insurance policy. Prohibits insurer from considering other specified information in determining eligibility, rates or premiums …

Agents Advocate – February 22, 2023 Read More »

The Agent’s Advocate – February 6, 2023

Wildfire Bills Receive First Hearing Today the Senate Committee On Natural Resources heard two wildfire-related bills.  To listen, go to Oregon Legislative Video (oregonlegislature.gov).  Both bills are placeholders and will be replaced with amendments. SB 82 Prohibits insurance company from using statewide map of wildfire risk as basis for canceling policy or increasing premium. Andrew …

The Agent’s Advocate – February 6, 2023 Read More »