Main Street Industry News - June 2015

Connect, Grow, Learn: Golf and Education Day Photo Gallery » 21

INSIDE Congratulations Bernie » 7 Millennials: Moving Out of Parents’ Homes » 10 Technology Use Critical for the Independent Agent & Agency » 15 Cyber Attacks Frequency Staggering » 18

Cover Photo Credit: Tumbling Run, Summer Beauties

June 2015 | Published Monthly

Did you know that PIA has created a series of healthcare ads that PIA members can run in their local newspapers and on local radio stations?

PIA’s new ads ask the simple question, “Do you need help with health insurance?” The ads acknowledge that many Americans need assistance purchasing health insurance and suggest that consumers consult their local Professional Insurance Agent.

These ads are made available to PIA members through the PIA Branding Program. PIA members can preview the ads and download the ad files at www.piabrandingprogram.com.

As with previous ads made available through the PIA Branding Program, the new ads contain space for PIA members to add their agency contact information.

In addition to PIA’s healthcare ads, PIA members can download an extensive series of print and radio ads through the PIA Branding Program. Many of the ads are available in both English and Spanish.

If you are not yet a PIA member, please consider joining the association that arms agents with the tools they need to succeed. Contact us for a membership application or visit us online at www.pianet.com/joinpia.

National Association of Professional Insurance Agents 400 N. Washington St., Alexandria, VA 22314-2353 www.pianet.com | membership@pianet.org | (703) 836-9340

Top Stories

NFIP Head: Flood & Insurer Disconnect | 9 Brad Kieserman headed the National Flood Insurance Program (NFIP) for four months.

Millennials: Moving Out of Parents’ Homes | 10 Over the last few months Weekly Industry News has been featuring stories about Millennials.

AIG & Greenberg’s Federal Suit – Wins it All, Gains Nothing | 11 Former AIG Chairman and company founder — and its largest stockholder — Maurice “Hank” Greenberg got his decision.

Rates: Sitting in a Holding Pattern | 14 MarketScout CEO Richard Kerr said commercial rates for all P&C lines are in what he calls a “holding pattern.”

Technology Use Critical for the Independent Agent & Agency | 15 Velocify sells automation software. While not exactly unbiased, Velocify does have some experience in the matter of the use of technology in getting insurance sales results.

Working from Home: 12 Struggles | 17 hese days a lot of us telecommute. That’s a fancy term for work from home. For some of us it’s all the time.

Cyber Attacks Frequency Staggering | 18 We read about cyber attacks every day.

A couple of weeks ago it was the federal

government and 14 million federal employees are impacted.

House Votes to Repeal ObamaCare Medical Device Tax | 20 The final vote was 280 to 140. In all 46 Democrats agreed with the Republicans who voted yes.

PIA NE IA Events Congratulations Bernie | 7 On June 11, 2015, Professional Insurance Agents NE IA and the Iowa CIC Education Committee honored Bernie Neff, CIC, CPCU for his 40-year service as a National Alliance Faculty Member.

Connect, Grow, Learn: Golf and Education Day Photo Gallery | 21 CPIA Classes | 28 Upcoming Events Calendar 2015 | 30

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Cathy Klasi, Executive Director (402) 392-1611

June 2015 | Main Street Industry News | www.pianeia.com | 4

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Top Stories

Congratulations Bernie!

On June 11, 2015, Professional Insurance Agents NE IA and the Iowa CIC Education Committee honored Bernie Neff, CIC, CPCU for his 40-year service as a National Alliance Faculty Member. Neff is the current Iowa Education Consultant for the PIA NE IA. LeaAnn Carlson, CIC, CRM, CISR, AU, Cerie Garton, CIC, CRM, CPCU, AU, and Wade Sheeler, CIC, CRM, CPCU from the Iowa CIC Education Committee, regaled the audience with fun facts about Neff and recounted stories of working with him throughout the years.

All of the guests enjoyed refreshments and cupcakes from Scratch bakery in Des Moines, IA. What a wonderful way to celebrate such a tremendous achievement. The PIA and its course participants look forward to many more years with Neff in the CIC program.

Bernie Fun Facts page 8

June 2015 | Main Street Industry News |www.pianeia.com| 7

Top Stories

Fun facts about Bernie Neff 40 June 9, 1990 June 9, 2015 March 5-7, 2008 451 39 1539 175 1774 3752

Number of years Bernie has been a CIC faculty member.

Date Bernie earned his CIC designation.

Date Bernie earned his tenured status as a CIC and can now update every other year!

Life & Health Institute – Bernie’s first class in IA as Ed Consultant Number of 1st time participants that have attended under Bernie in Iowa Number of CIC tests Bernie has written in Iowa

Number of CIC test takers Bernie has presided over in Iowa Number of participants who have earned their CIC designation in IA under Bernie Number of participants who have updated their CIC designation in IA under Bernie Number of participants Bernie has shooed back into the room after breaks

“OK Folks!”

18,773

Number of pages Bernie has turned to write the 39 IA tests since March of 2008!

June 2015 | Main Street Industry News | www.pianeia.com | 8

Top Stories

NFIP Head Flood & Insurer Disconnect Brad Kieserman headed the National Flood Insurance Program (NFIP) for four months.

He decided to take a better position at the Red Cross. Last week Kieserman took some parting shots as he leaves the NFIP. And those shots are aimed squarely at the Write Your Own (WYO) program.

The criticism is not surprising since Kieserman has headed up the investigation of the insurance companies that are administering the flood policies — and not administering them that well since accusations are flying that insurers are underpaying on claims.

He calls the NFIP a “melting iceberg” and says the insurers administering WYO are “increasingly disconnected from real customers, flood survivors.”

The Federal Emergency Management Agency (FEMA) manages the NFIP and Kieserman took shots at his soon to be former boss, too. He said FEMA has failed to place tight constraints on the WYO program and especially on private insurers that delegate engineering and other work.

Kieserman’s criticisms echo those of New York Sen. Charles Schumer and others who want major reforms of the nation’s flood insurance program. n

Brad Kieserman

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Top Stories

Millennials Moving Out of Parents’ Homes Over the last few months Weekly Industry News has been featuring stories about Millennials. They’re those born after 1980.

Right now they’re a growing workforce and a growing consumer base and are important — no, make that critical — to the future financial success of insurance agencies and insurers.

The U.S. Census Bureau tracks a lot of population statistics. An important one is the number of households in the country at any one time. The bureau released information last

week that says in the first quarter of 2015, the number of U.S. households grew by 1.48 million over the first quarter of last year.

Here’s more interesting news.

In the last three months of 2014, the household numbers grew by 1.66 million. And it’s the best back-to-back gain since the last six-months of 2005.

Most are renters. And while the bureau can’t specifically pinpoint where the growth is coming from, conjecture by experts is that it’s Millennials.

That tends to make sense. Reports from sources other than the Census Bureau say the housing decline of the last few years is because Millennials have been moving back in with parents.

So who else could be driving the increase?

And we go back to renters. Renter households rose by 1.87 million compared to the first quarter of 2015. And as further proof, owner-occupied homes lost ground by 386,000 units. n Source link: PropertyCasualty360.com

June 2015 | Main Street Industry News | www.pianeia.com | 10

Top Stories

AIG & Greenberg’s Federal Suit Wins it All, Gains Nothing Former AIG Chairman and company founder — and its largest stockholder — Maurice “Hank” Greenberg got his decision. And he’s not happy. Greenberg sued the federal government for taking over AIG in 2008 when it was close to collapse.

“The government’s unduly harsh treatment of AIG in comparison to other institutions seemingly was misguided and had no legitimate purpose. The question is not whether this treatment was inequitable or unfair, but whether the government’s actions created a legal right of recovery for AIG’s shareholders,” Wheeler wrote.

However, Wheeler refused to award any damages to Greenberg, Starr and the others because he noted the investors — without the bailout — would have ended up with nothing anyway.

“In the end, the Achilles’ heel of Starr’s case is that, if not for the government’s intervention, AIG would have filed for bankruptcy. AIG’s shareholders would most likely have lost 100 percent of their stock value,” Wheeler wrote in his decision.

Maurice “Hank” Greenberg

Greenberg said it cost the shareholders over $25 billion. Damages — if awarded — could have topped $40 billion.

During the trial U.S. Court of Claims Judge Thomas Wheeler heard months of testimony from the who’s who of finance in 2008 like Ben Bernanke, Hank Paulson and Timothy Geithner. In the end Wheeler ended up agreeing with Greenberg and Starr International. The bailout was onerous and the federal government was wrong.

Greenberg and Starr filed the suit in 2011 and said the government’s insistence on taking 80% of the stock for the loan and then requiring a 14% interest rate was out of line.

The judge agreed and said the Federal Reserve had the right to make an emergency loan to AIG, it did not have the right to take shares in exchange for the money.

No doubt both sides will appeal. n

Source link: PropertyCasualty360.com

June 2015 | Main Street Industry News |www.pianeia.com| 11

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Top Stories

Rates Sitting in a Holding Pattern MarketScout CEO Richard Kerr said commercial rates for all P&C lines are in what he calls a “holding pattern.”

Personal lines are doing a bit better and averaged a 1% jump in May and matched the April 1% rise.

He said May is a significant month because it’s when a lot of businesses do their renewals. Here are the numbers:

BY COVERAGE CLASS Commercial Auto

Up 2%

Commercial Property

Rose 1%

BOP

Plus 1%

Business Interruption

Flat

Inland Marine

Flat

General Liability

Flat

Umbrella/Excess

Flat

Workers’ Compensation Flat Professional Liability

Flat

D&O Liability

Flat

EPLI

Flat

Fiduciary

Flat

Crime

Flat

Surety

Flat

BY ACCOUNT SIZE Small Accounts

Up to $25,000

Rose 1%

Medium Accounts

$25,001 to $250,000

Up 1%

Large Accounts

$250,001 to $1 million

Flat

Jumbo Accounts

Over $1 million

Down 2%

BY INDUSTRY CLASS Contracting

Rose 1%

Habitational

Up 1%

Transportation

Plus 1%

Manufacturing, Service, Public Entity, Energy

Flat

As noted earlier, personal lines saw an overall increase in May of 1% and Kerr says they’re holding steady. He said there is just one change and that’s in the rate for homeowners with Coverage A values under $1 million. “The reduction in pricing for homes under $1,000,000 is not surprising. This is a much sought after market with literally dozens of insurers trying to gain market share," Kerr added. n PERSONAL LINES NUMBERS Homeowners over $1,000,000 value

Up 1%

Homeowners under $1,000,000 value

Flat

Automobile

Up 2%

Personal Articles

Flat

Source link: PropertyCasualty360.com

June 2015 | Main Street Industry News | www.pianeia.com | 14

Top Stories

Technology Use Critical for the Independent Agent & Agency Velocify sells automation software. While not exactly unbiased, Velocify does have some experience in the matter of the use of technology in getting insurance sales results.

The conclusion of a recent study by Velocify goes something like this: if you’re not using technology to its full potential, you are not close to as successful as possible. Don’t feel alone if you’re not. Velocify director of research Jorge Jeffrey said a huge percentage of independent agents are in the not category.

His conclusion comes from a 20-question survey called The State of Techsurance 2015. Over 1,000 agents and agencies were quizzed and asked if they are using one of these technologies:

• Marketing automation • Lead management • Automated dialers • Comparative raters • Agency management systems • Customer relationship management software Jeffrey said using these technologies to do business is critical. “One of our major findings when looking at insurance policies per producer was that agencies using at least one of six technologies were seeing 43% more sales than their counterparts.

He added that larger agencies are 93% more likely to use the technologies just listed than smaller agencies with 10 to 12 employees or less. Direct to consumer companies were 26% more likely to employ technology than the small agency.

“Another thing we found that we didn’t expect was the widening tech gap. Directs are not only the heaviest users of technology, but they also reported the most plans for investing in technology over the next year. They’re already leaders in tech adoption and if they’re planning to invest the most as well, the gap will widen even further,” Jeffrey said.

He also noted the biggest advantage to using technology and using it correctly, is followup. “A lot of agencies leave it up to the agent to follow up with leads, but in many cases, they fall through the cracks or get lost in the system. Research has found, however, that there’s effective ways to follow-up with somebody in terms of number of calls, emails, and the timing of those, and having everyone follow the same process makes a significant difference in results.”

June 2015 | Main Street Industry News |www.pianeia.com| 15

Top Stories

Jeffrey concluded that smaller agencies have huge advantages over larger firms and direct sales outlets. Using technology correctly can increase that advantage.

“These agencies offer a lot of different services and products that directs and captives can’t compete with, so if they were to adopt technology and take advantage of those benefits, it could make a big impact on the industry as a whole,” Jeffery said. n

Success — the study notes — is a boost in sales of 43% per producer and 13% more policies sold per household.

Source links: Two from Insurance Business America — link 1 and link 2

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June 2015 | Main Street Industry News | www.pianeia.com | 16

Top Stories

Working from Home

TWELVE Struggles These days a lot of us telecommute. That’s a fancy term for work from home. For some of us it’s all the time. Others get to play with others and will split time between the home office and the business office.

For others there is a third office. It’s called a golf course but that’s a topic for another day.

Those of us who work from home and strictly from home know it’s not the panacea those stuck 8 to 5 in an office think. The genesis of this article comes from an article from Playboy.

Yes, sometimes — laughing here — people actually do read the articles.

These are the struggles the magazine’s author says he deals with while working from home.

ONE

Just putting on pants feels like you’re dressing up. There is no dress code when working from home. Those who work from home will tell you at first you shower — and in the case of guys, shave — and get dressed everyday. The longer you work from home, the less of a habit that becomes.

Pretty soon you’re working in your bathrobe all day, every day.

TWO

You forget what it’s like to actually interact with people. Co-workers can be a royal pain

sometimes. But there is a certain isolation that comes from working from home.

three

To combat not interacting with people you start talking to your pets like they’re people. With no one to talk to about the trials of the day you expect your cat or dog, or bird — and if it’s a parrot it may talk back —- to take up the slack.

four

Meal schedule? What’s that? If you work in an office there is structure. Lunch is generally around noon. Working from home is a timeless existence. You go from laptop to the fridge and back to the laptop and on it goes until you crash and burn and go to bed with — yes — your laptop.

FIVE

Happy hour? There is no happy hour.

Grabbing a drink after work is — again —

June 2015 | Main Street Industry News |www.pianeia.com| 17

SIX

Your neighbors worry that you never leave your house.

You’re known as the mysterious person who shuffles out of the hovel once a day or so to get the mail.

SEVEN

Your social life is Facebook and that’s about it. At the office you can pop into someone’s cubicle or office and gossip a bit or tell a joke or two. Working from home can be a lonely experience.

Eight, NINE & Ten

Struggles eight through ten: There’s no such thing as a snow day and no such thing as an office party. Sometimes you don’t leave the house for days on end and actually forget what the sun looks like.

That leads us to two of the more serious troubles with working from home and our work from home pet peeves:

Eleven

You never really stop working. There is time structure in the office. An office has a start and stop time. Working from home — and you’re starting to see a theme here — has you slinking from you home office to the living room laptop in hand and back to the office and finally to bed with your laptop in hand.

TWELVE

People assume you’re not busy. Need a ride? Ask the person who works from home. After all, they set their own schedule and they’re not busy. People working from home sleep in and go to bed early. Relatives or friends pop in and stay with you and assume you have all kinds of time to entertain them. n Source link: playboy.com

June 2015 | Main Street Industry News | www.pianeia.com | 18

Frequency Staggering

walking from the laptop to the fridge or your in-house bar and back to the laptop. The good news is you won’t drink and drive. The bad news? You may drink too much, too often.

Cyber Attacks

Top Stories

Top Stories

We read about cyber attacks every day.

A couple of weeks ago it was the federal government and 14 million federal employees are impacted. Before that Anthem was hacked.

And before that a dozen other businesses.

The Hartford Steam Boiler Inspection and Insurance Company is a Munich Re company. It recently checked and found that last year 70% of businesses were hacked at least one time.

That’s a huge number. What’s odd about the number of businesses being attacked is with the number of products available to battle them, the numbers ought to be going down and not up.

And — worse — 55% of the risk managers polled don’t think their company invests enough money into data security. Munich Re’s Eric Cernak said they also don’t think their companies have enough trained personnel — and more importantly — experienced personnel in the latest hacking to battle an attack.

“Hackers have evolved and so have their methods of attack. Businesses are on high alert, but they can do a lot better. Simply reacting to new threats is not enough. Businesses of all sizes need to anticipate hacking trends and deploy the resources necessary to protect their private or sensitive information,” he said.

Here are survey’s risk manager numbers: • 63% are from large businesses • 30% are from mid-size businesses • 7% are from small businesses

The survey also gathered more important information: • Risk managers worry about the use of cloud technology.

• Loss of confidential information is a worry by 76% of those polled.

• The type of information lost is a huge concern.

• Personally identifiable information got a 53%.

• Sensitive corporate information was second at 33%.

• Financial information was third at 14%.

Risk managers also want to find ways to combat the attacks: • 32% want to use intrusion detection or penetration testing.

• 25% think employee education would be the best way to combat attacks.

• 25% say encryption does the trick.

Polls of this kind always include discussion of insurance: • 46% of the risk managers said their

business has either purchased or increased its level of cyber insurance.

• 36% say they have no cyber insurance at all. n Source link: PropertyCasualty360.com

Top Stories

House Votes to Repeal ObamaCare Medical Device Tax The final vote was 280 to 140. In all 46 Democrats agreed with the Republicans who voted yes. The place is the U.S. House of Representatives and the issue is the ObamaCare tax on medical devices.

The tax is 2.3% and it affects 7,000 manufacturers who build things like ventilators or X-ray machines. Critics say the tax holds back innovation. Or so thinks Minnesota Republican Rep. Eric Paulson who introduced the bill. “Only in Washington would you impose a tax on life-saving medical technology and think you will actually reduce healthcare costs.”

Actually this is the second time the House has voted to repeal. It also got an up vote in 2012.

What it doesn’t do is replace the $25 billion in lost revenue that helps subsidize the Affordable Care Act. That’s why President Obama — if it manages to pass the Senate — will likely veto.

However, the repeal has some powerful allies in the Senate including Massachusetts Sen. Elizabeth Warren and a Senate Majority Leader in Mitch McConnell who’ll bring it up for a vote.

Source link: The Hill

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June 2015 | Main Street Industry News | www.pianeia.com | 20

PIA NE IA Events

Connect, Grow & Learn

Golf, Entertainment and Education

Trade

Fair

June 2015 | Main Street Industry News |www.pianeia.com| 21

PIA NE IA Events

Nightcap reception at Rule g in the Lincoln Haymarket.

June 2015 | Main Street Industry News | www.pianeia.com | 22

PIA NE IA Events

Special presentation by Sportscaster Sean Callahan.

Annual PIA Past President Breakfast

Incoming PIA National President Robert Hansen Jr., CPIA, LUTCF and 1983 Past PIA National President Wayne Bowman June 2015 | Main Street Industry News |www.pianeia.com| 23

PIA NE IA Events

22 through 23 – E&O Mock Trial

June 2015 | Main Street Industry News | www.pianeia.com | 24

PIA NE IA Events

PIA National CEO & Executive Vice President Mike Becker updated members on the NFIP troubles and happenings on Capitol Hill.

Joe Bob Atkins, CIC, CPIA, AAI, AIS presents Andy Kraus form Farmers Mutual Insurance Company of Nebraska Pia Company of the Year

June 2015 | Main Street Industry News |www.pianeia.com| 25

PIA NE IA Events

26 – Mike Bowman presented Riley Tonkin CIC, CPCU, AIM, AU with EMC – PIA Marketing Rep of the Year

2014 PIA Agent of the year Charles Micek presenting Joe Bob Atkins, CIC, CPIA, AAI, AIS with 2015 PIA Agent of the Year

Crale Bauer, CPIA presents Tymber Long with the 2015 PIA Leadership Scholarship

June 2015 | Main Street Industry News | www.pianeia.com | 26

PIA NE IA Events

PIA National Incoming President swearing in Mark Suhr CIC, Patrick Wehling CIC, CPIA and Mike Bowman to the PIA NE IA Board of Directors

Bob Ford, CIC, CISR, CPIA, CLCS from Devils Lake, ND teaching Cyberliability

2015-16 PIA NE IA President Mike Bowman giving his Inaugural Address June 2015 | Main Street Industry News |www.pianeia.com| 27

CPIA 2 – 7/21/2015 – Omaha, NE CPIA 2 – 7/22/2015 – Des Moines, IA

Register at www.pianeia.com!

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PIA NE IA Events

Upcoming

Events Calendar 2014-2015 For information and to register Click Here or call (402) 392-1611.

Date

Class/Webinar

Where

When

July 6, 2015

Get in the Ring: A look at Property Claims, Fights, & Decisions

NE/IA

Webinar 12:00 PM - 3:00PM

July 9, 2015

Food Borne Illness & Insurance Coverage

NE/IA

Webinar 12:00 PM - 3:00PM

July 9, 2015

CISR: Insuring Commercial Property

Davenport

Saint Ambrose University

July 14, 2015

Personal Lines Complications: Because Simple is just too darn Easy

NE/IA

Webinar 3:00 PM - 6:00 PM

July 16, 2015

Ethics: Taking it to the Streets

NE/IA

Webinar 12:00 PM - 3:00PM

July 15 - 17, 2015

CIC: Life & Health Institute

Omaha

Hilton Garden InnOmaha

July 20, 2015

Life Insurance Concepts for the Property & Casualty Agent

NE/IA

Webinar 12:00 PM - 3:00PM

July 21, 2015

Contractors: Insuring the Property Exposures

NE/IA

Webinar 12:00 PM - 3:00PM

July 21, 2015

CPIA 2: Implement for Success

Omaha

Hilton Garden InnOmaha

July 22, 2015

CPIA 2: Implement for Success

Des Moines

Hilton Garden Inn Des Moines/Urbandale

July 23, 2015

CISR: Insuring Personal Auto Exposures

West Des Moines

LaMair - Mulock Condon Insurance (LMC)

July 28, 2015

Social Networking: OMG or E&O?

NE/IA

Webinar 12:00 PM - 3:00PM

July 29, 2015

Words Mean Things & Insurance is a Foreign NE/IA Language

Webinar 12:00 PM - 3:00PM

August 4, 2015

CPSR: Systems, Operations & Procedures

June 2015 | Main Street Industry News | www.pianeia.com | 30

Columbus Dusters

PIA NE IA Events

August 6, 2015

CISR: William T. Hold: Advanced Learning Seminar

Cedar Rapids

Kirkwood Continuing Education Training Center

August 11 - 12, 2015

Ruble: Graduate Seminar (NE)

La Vista

Embassy Suites Omaha - La Vista

August 19, 2015

CISR: Agency Operations

Des Moines

Hilton Garden Inn Des Moines/Urbandale

August 26 - 28, 2015

CIC: Life & Health Institute

Cedar Rapids

Cedar Rapids Marriott

September 2, 2015

CISR: Insuring Personal Residential Property Davenport

Saint Ambrose University LaMair - Mulock Condon Insurance (LMC)

September 17, 2015

CISR: Agency Operations

West Des Moines

September 22, 2015

CPIA 3: Sustain Success

Lincoln

Marriott Courtyard

September 23 - 25, 2015 CIC: Agency Management Institute

Lincoln

Marriott Courtyard

October 7, 2015

CISR: Insuring Commercial Property

Cedar Rapids

Kirkwood Continuing Education Training Center

October 13, 2015

CPIA 3: Sustain Success

Des Moines

Hilton Garden Inn Des Moines/Urbandale

October 14 - 16, 2015

CIC: Agency Management Institute

West Des Moines

Holiday Inn Hotel & Suites

October 15, 2015

CISR: Personal Lines Miscellaneous

Des Moines

Hilton Garden Inn Des Moines/Urbandale

October 20, 2015

CPSR: Residential Property

Pierce

Town & Country Insurance

November 5, 2015

CISR: Agency Operations

Davenport

Saint Ambrose University

November 11 - 13, 2015

CIC: Commercial Property Institute

La Vista

Embassy Suites Omaha - La Vista

November 16 - 17, 2015

Ruble: Graduate Seminar (IA)

West Des Moines

Holiday Inn Hotel & Suites

November 18, 2015

CISR: Insuring Personal Residential Property

Des Moines

Hilton Garden Inn Des Moines/Urbandale

June 2015 | Main Street Industry News |www.pianeia.com| 31

11:00am Registration 12:00pm Shotgun 4 person scramble

402-392-1611

www.pianeia.com

Thursday, September 10, 2015 Ashland, NE

Help us Insure the Future Agent by Attending!

Mulligan’s For Sale - See Other Side Name ____________________________________________________________________________________________________________ Agency/Company Name

_________________________________________________________________________________________________________

Address ________________________________________________ City ___________________________ State ____ Zip_______________ Phone ________________________________ Fax _________________________________ E-mail _________________________________ Please put me in a foursome with: 1.____________________________________2._____________________________________ 3.____________________________________ Cost:

$95 Member $100 Non Member (Includes green fees, cart, refreshments on the course, prizes and dinner)

Total enclosed $_____ Pay by: 

Check 

Visa



MasterCard

Credit Card Number _______________________________________________________Exp. _________VCode ____________ Name on card (print) ______________________________________________________________________________________

DINNER ONLY RESERVATIONS ON REVERSE SIDE OF SHEET Mail check and Reservation Form to: Professional Insurance Agents of NE IA, 920 S 107th Ave, Ste 305, Omaha, NE 68114 Questions??? - Please contact Jenn at education@pianeia.com or 402-392-1611

Help Protect Your Family’s Financial Security With The PIA Trust

Basic, Voluntary & Dependent Term Life Plans TERM LIFE COVERAGE DESIGNED WITH LOCAL AGENTS IN MIND As a PIA Member* serving Main Street America, you and your employees have access to high-quality, competitively priced Term Life plans through the PIA Services Group Insurance Fund.

Mortgage payments, education, healthcare and daily living expenses continue for your family if something happens to you or another family member. That’s why it makes sense to seek financial protection with PIA Trust’s Term Life insurance plans. Term Life coverage available through the plans includes: Basic Term Life - no medical underwriting necessary up to guaranteed issue limits (only available with 100% group participation & employer paid premiums)

Voluntary Term Life - flexible face amounts of up to $300,000 for you and your employees Dependent Term Life - coverage amounts up to $100,00 for spouses and $3,000 for children

For more information about PIA Trust Term Life insurance plans, please contact your local PIA Affiliate or call the Plan Administrator at (800) 336-4759. Additional information is also available on-line at www.piatrust.com.

PIA SERVICES GROUP INSURANCE FUND

* PIA National membership, when required, must be current at all times.

Policies or provisions may vary or be unavailable in some states. Policies have exclusions and limitations which may affect any benefits payable.

Underwritten by Unimerica Insurance Company, Association Administrative Address, P.O. Box 17828, Portland, Maine 04112-8828, under Policy Form ALI-3001-A (UIC).

Insurance Program Administered by Lockton Risk Services.