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

We apparently are living longer than we expect. That’s good news. Or it’s good news unless you underestimate the amount of retirement funds needed to live to a ripe old age. Then it’s bad news.

A person 60 ought to note they’ll live to reach 82 if they’re male and 85 if they’re female. It’s called longevity literacy and Surya Kolluri of the TIAA Institute says a quarter of us underestimate how long we’ll live.

A whopping 28% have no idea of how long people live on average. And 40% of baby boomers don’t have much of an idea either.

NerdWallet did an analysis of baby boomer retirees and found the average household has about $134,000 in retirement savings. That’s not enough — says Boston College economist, Gal Wettstein because someone retiring at 65 can expect to live to 85.

“We don’t know why people are so off in their expectations,” Wettstein said. “I think there is some evidence that people don’t account for the fact that they’ve already lived to a certain age when they try to guess how long they might live.”

He also noted most of us worry that the stock market’s volatility is our biggest retirement enemy. It isn’t, he said. The biggest worry is outliving retirement income.

Here are some interesting stats. In 1900, the average American lived to age 47. By 1950 that number was 68. Today the average lifespan is 79.

Employee Benefit Research Institute director of wealth benefits, Craig Copeland said when you ask people about age and how long people live, they have no clue. “One of the consistent things is that there were 20 percent of people who don’t know, who couldn’t give an answer,” Copeland said. “So, you’re starting out with one-fifth of people with no idea of how long they were going to live.”

Those who’ve already retired have a much more realistic outlook on longevity. Even though most are pessimistic about their futures, over half know they’ll live at least 20 years after they retired.

Copeland said people in their 50s and 60s “tend to think they’re not going to live very long, or not as long as the life expectancy of a person their age,” he said. “Where that kind of flips is in people’s 70s, which is late for making decisions about retirement.” 

Women — by the way — have a better grip on age than men. Kolluri said on lifespan literacy, 43% of women answered questions about it correctly. For men, the number is just 32%.

“That concerns me because what it implies to me is that they’re incurring longevity risk, that they will outlive their money,” Kolluri said.

Source link: The Hill —