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

Oregon now joins Washington, California and a few other, more liberal states, in pursuing universal healthcare for its citizenry. 

Just before the Oregon Legislature adjourned a week or so ago, it passed a bill setting up a Universal Health Plan Governance Board. The board is tasked with creating a comprehensive plan to finance and administer universal health for all Oregonians.

The plan originally began when the Legislature set up a task force and started exploring the idea in 2019. A positive report to this legislative session got a bill passed at the end of the session to fund the committee.

The committee must be put the plan together by September 15, 2026. So they have awhile to get the job done.

PIA Oregon Lobbyist Lana Butterfield and PIA Oregon’s government affairs committee don’t think it will ever happen. “We think universal health care is a pie-in-the-sky idea,” she told Weekly Industry News, “It is probably doomed to fail.”

Kris Hathaway is the vice president, state affairs America’s Health Insurance Plans (AHIP). Her organization — like many — opposes the idea. She warns establishing universal healthcare will mean higher taxes for hard-pressed Oregonians and will not give them better access to health care, nor better care once they get it.

“A recent poll shows that an increasing majority of voters prefer building on what’s working in health care, earning more support than any government-run health care proposal,” she said. “Even more voters report they are unwilling to pay more for health care to create a new government health insurance system.”

The best bet — Hathaway notes — would be to build on what currently exists and help lower costs and giving higher-quality coverage from what we have now.

“Oregon has done a tremendous amount of work to ensure patients get access to timely, quality care,” she said. “Imposing a single-payer health care system could actually harm these existing consumer protections. We must focus on filling the gaps in the current health care system, including investing in workforce development and increasing access to care in rural areas, but this bill does nothing to address those issues.”

Hathaway also noted the other states working on the issue — like Vermont — found that higher taxes are a big price to pay for something that isn’t all that workable.

“Sponsors of their failed single-payer legislation proposed new excise taxes, payroll taxes, and personal income taxes to pay for their program, with no data to show that the proposal could even be implemented or would save money,” she said. “Enacting a single-payer system would also mean the loss of thousands of jobs from Oregon’s economy. Health plans employ over 13,000 Oregonians and more than an additional 10,000 Oregonians are employed in insurance-related jobs. These are good, stable jobs that would no longer exist if a single-payer system be implemented.”

Health insurers, Regency, Kaiser Permanente, Aetna, Moda Health, PacificSource, CVS Health and Providence Health & Services are among the companies providing those 13,000 jobs. They sent a letter to the committee.

The bottom-line in the letter was that the one-size-fits-all solution is unaffordable and unworkable.

“It attempts to do too much, ignores significant the legal and financial challenges, and has no precedent of success by any individual state in the Union,” the letter said. “Given the experience of other states, and dynamics specific to Oregon, there is no basis upon which to think such a program would be successful. In a state with a largely unstable tax-base and the inability to run a deficit, a program like single-payer health care is financially irresponsible.”

Oregon Senator Kim Thatcher is a Republican opposing the creation of a universal healthcare plan. She agrees with the health insurers and said the proposal could cost taxpayers as much as $54 billion a year — or more.

“Beyond its sheer costs, building such a system would be a massive, complex, and unprecedented endeavor, and we have every reason to doubt and little reason to trust the state will get it right,” she told Oregon Catalyst. “That, and like any other state agency, government-run healthcare has its own inherent set of problems — like long-wait times, decreased health care quality, and rationing of care — which are seen both right here in our country and abroad and warn us about the future implications of such a system.”

“For context, Oregon’s 2021-23 biennium budget is about 112 billion, and proposed new business payroll and personal income taxes to fund it. In a state that already has some of the highest taxes in the country, these two new taxes mean Oregonians could expect an almost 20-billion-dollar tax increase in the system’s first year of implementation.”

As noted, Thatcher has zero trust that the state government can actually implement such an ambitious plan.

“Take the failure of the Cover Oregon health exchange website, for instance. The project, which intended to create an online health insurance marketplace for Oregonians, failed in part due to the state’s own problems, such as feuding bureaucracies and technical incompetence, and culminated in a bitter 25-million-dollar legal fight,” she said. “Beyond that, delays in the state’s delivery of unemployment checks during state-mandated lockdowns, as well as in promised Measure 110 addiction treatment funds while addiction rates continue to soar, show Oregon has a chronic problem in overpromising and underdelivering. Are we really going to trust the state that can’t even create a health exchange website to run a system as novel, massive, and complex as universal health care?”

The logic escapes supporters like Dr. Bruce Goldberg. They say the time has come. In his testimony before the Senate Committee on Health, Goldberg said the plan needs to take care of all healthcare and that includes behavioral health, vision, hearing and dental care.

“It eliminates the need for premiums and out of pocket costs such as deductibles and co-pays and allows providers to bill only one entity thereby dramatically reducing administrative costs,” Goldberg told the committee. “Under the Task Force’s plan Oregonians can seek services from any provider in the state. And by establishing a single payment system it promotes equitable access to care by putting an end to a structurally inequitable payment system in which provider payments were based on the source of payment.”

Goldberg contends the plan will cost Oregonians far less they they are currently paying.

Source link: Oregon Catalyst —