Independent Insurance Agents of Maryland Packet... · 2016-07-08 · in the marketplace. The...

Independent Insurance Agents

of Maryland

Member Benefits

2408 Peppermill Drive Suite A

Glen Burnie MD 21061

Phone 410-766-0600

Fax 410-766-0993

wwwiiamdorg

TABLE OF CONTENTS

IIAM 2016-2017 EXECUTIVE COMMITTEE helliphelliphelliphelliphellip

IIAM MISSION AND BOARD OF DIRECTORS helliphelliphelliphelliphelliphellip

IIAM STAFF

ADVOCACY

EDUCATION

BIG ldquoIrdquo PROFESSIONAL LIABILITY

AGENCY DATA BREACH COVERAGE helliphelliphelliphelliphelliphelliphelliphelliphellip

TRUSTED CHOICE

VIRTUAL RISK CONSULTANT (VRC)

BIG ldquoIrdquo MARKETS

BIG ldquoIrdquo MARKETS MARYLAND PRODUCT LIST helliphelliphellip

RLI PERSONAL UMBRELLA amp AT HOME BUSINESS

BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS

OTHER BENEFITS

MCVEThelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphellip

DISCOUNTS AND SERVICES helliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphellip

33

44

55

66

77

88

99

1010

1111

1212

1313

1414

1515

1616

1919

2020

3

2016-2017 IIAM EXECUTIVE COMMITTEE

CHAIRMAN OF THE BOARD

Rick Raley AAI CIC Combs Drury Reeves InsAIC of SM LLC

Telephone 301-475-8944

Email rickraleycdrassociatednet

VICE CHAIRMAN

John Cabrera CF Alliance Insurance Services


Email johncfalliancecom

CHAIRMAN-ELECT

Albert Lietzau IV AU HU Dove amp Co Inc


Email alietzau4hudovecom

DIRECTOR-AT-LARGE

Sandy Chaney CIC CRM

The Insurance Exchange Inc


Email chaneystie-inccom

IMMEDIATE PAST CHAIR

Don Grauel CIC LE Goldsborough amp Son Inc


Email dongoldsboroughcom

PAST PRESIDENTS REPRESENTATIVE

Terry Katz CPCU CIC ARM AAI ACII

HMS Insurance Associates Inc


Email tkatzhmsiacom

STATE NATIONAL DIRECTOR

Angela Ripley CIC AIS CRM LUTCF VW Brown Insurance Services Inc


Email aripleyvwbrowncom

PRESIDENT amp CEO

Shelley Arnold CPCU AU ARM AAI AINS Independent Insurance Agents of Maryland

Telephone 410-766-0600 or 800-544-3368

E-mail shelleyiiamdorg

IIAMrsquos Executive Committee at

the 79th Annual Installation

Dinner held Friday June 10 2016

at The Lighthouse Restaurant

in Solomons MD

4

2016-2017 IIAM BOARD OF DIRECTORS

Maryland independent agents deserve the best The Independent

Insurance Agents of Maryland (IIAM) with its history going back to

1904 and incorporated in 1936 has served the agents of Maryland

with the dedication and enthusiasm that they deserve

Our Mission

To ensure the success of independent insurance producers and

agency staff throughout Maryland by focusing on providing access to

profitable markets cost-competitive products advocacy timely

industry information and superior education programs

G Bradford Reeves AAI AFIS

Combs Drury Reeves InsAIC of SM LLC


Email bradreevescdrassociatednet

Nancy Nicklow CPCU AAI CRIS

Huff Insurance


Email nancyhuffinsurancecom

Jerry Nicklow AAI AIS

Huff Insurance


Email jerryhuffinsurancecom

Jay Duke Waring-Ahearn Insurance Agency Inc


Email jaywaring-ahearncom

Gerald lsquoGerryrsquo Zollar CPCU CIC AU

American Heritage Insurance Agency Inc


Email Gerryamheritcom

Ivory M Buck III

Avon-Dixon Insurance Agency


Email ivorybuckavondixoncom

5

IIAM STAFF

PRESIDENT

Shelley M Arnold CPCU AU ARM AAI ACSR AINS

shelleyiiamdorg

ACCOUNTING

EDUCATION DIRECTOR

MAPACINSURPAC ADMINISTRATOR Rebekah A Langford ACSR AINS AAI AIS

Bookkeeper

rebekahiiamdorg

INSURANCE ADMINISTRATOR Carla M McGee RPLU ACSR

Errors amp Omissions Program Administrator

RLI PUP amp In-Home Business Program

carlaiiamdorg

6

ADVOCACY

Extensive coverage is given during the sessions of the Maryland General Assembly by means of

our Legislative Committee IIAMs Legislative Bulletin outlines in a concise format the content

of all legislative measures being offered in Annapolis which affect our business These same bills

are tracked for you through the session until final disposition A link to major insurance related

bills can be found on our Bulletin

The Association President and the Legislative Committee Chairman and members of the legisla-

tive committee monitor all insurance related legislation on your behalf during sessions of the

Maryland General Assembly Members are provided with timely legislative bulletins outlining

those issuesbills which affect our business

The Association has been involved in the passage of a number of legislative proposals helpful to the Independent Agent and the

Maryland Assembly Conversely we have successfully opposed measures which would have been counter productive

MAPAC amp InsurPAC Legislative Advisor

The Maryland Big I was instrumental in the organization and

development of the Maryland Agents Political Action Committee

(MAPAC) This is a separate non-profit non-partisan political

action committee It functions to aid those candidates for legislative

or statewide office who understand the problems and needs of the

independent agent Nationally IIAM members visit with all of

Marylands Senators and Representatives in Washington during the

national Legislative Conference held in the Spring each year

Contact is maintained with our representatives in Congress

throughout the year

Brett S Lininger Esq Semmes Bowen amp Semmes

Suite 1400

25 South Charles Street

Baltimore Maryland 21201

410-576-4815

Fax 410-576-4826

bliningersemmescom

Legislative Committee

Denise Carnes CPCUmdashChair

Insurance Services Group Inc


dcarnesisgusacom



jaywaring-ahearncom

Rick Raley Combs Drury Reeves Insurance Agency


rickraleyinscenterscom

Don Grauel CIC

LE Goldsborough amp Son Inc


dongoldsboroughcom

Mike McCartin CPCU

Joseph W McCartin Insurance


mikemccartincom

G Bradford Reeves AAI AIFS Combs Drury Reeves Insurance Agency


bradreevesinscenterscom

Ron Smith Smith Insurance Services Inc


Rrrsmithinsyahoocom

Shelley Arnold CPCU AU ARM AAI AINS

IIA of Maryland Inc


shelleyiiamdorg

Benjamin Yingling CIC CLCS CRIS

Crawford Yingling Inc


bencrawfordyinglingcom

Pamela Dodge CIC CISR CPIA

United States Insurance Services Inc


pdodgeusis-tiacom

Our National PAC InsurPac functions to aid

those candidates for national political offices

InsurPacrsquos interaction with our representatives on

Capitol Hill is crucial to the interests of inde-

pendent agents Because of the bond established

through these events elected officials regularly

turn to IIABArsquos lobbyists when they are seeking

information about the independent agency system

and insurance knowledge in general Our repre-

sentatives use that information to frame insurance

issues on Capitol Hill and in doing so promote

what is important to IIABArsquos membership

Donations to InsurPac must be from individuals

and the agency must sign a Corporate Approval

form prior to contributing

WEBITES TO BOOKMARK

IIAMrsquos Legislative Page httpwwwiiamdorglegislative Maryland General Assemply httpmgalegmarylandgovwebmgafrm1staspxtab=home

Corporate Approval Form httpwwwindependentagentcomGovernmentAffairsInsurPacdefaultaspx

MAPACINSURPAC ADMINISTRATOR

Rebekah A Langford ACSR AINS AAI AIS

rebekahiiamdorg or 410-766-0600

INSURPAC COMMITTEE CHAIR

Angela Ripley CIC AIS CRM LUTCF

aripleyvwbrowncom or 410-730-2688

7

EDUCATION

FREE

Flood amp Ethics

The mandatory Flood amp Ethics Continuing

Education Courses are FREE to IIAM

Members and their employees

(in-classroom courses offered by IIAM only)

WEBITES TO BOOKMARK

IIAMrsquos Education Page httpwwwiiamdorgeducation Renew Your License wwwniprcom

Look Up Your Transcript Credits httpswwwsirconcomComplianceExpressNonSscrbEducationindexjspnonSscrb=Yampsscrbid=9999

DIRECTOR OF EDUCATION


410-766-0600 x 103

rebekahiiamdorg

DESIGNATION PROGRAMS AT IIAM

ACSR Accredited Customer Service Representative

The program consists of 3 designation lines Personal Commercial

and LifeHealth IIAM offers the Personal and Commercial Lines

designation programs

AAI Accredited Advisor in Insurance

Designed to meet the educational needs of insurance producers

CSRrsquos and managers

CRIS Construction Risk Insurance Specialist

These courses are directly focused on the unique risk management

and insurance needs of construction projects and contractors They

are designed for construction industry financial executives risk

managers insurance buyers adjusters and the insurance agents

brokers and underwriters who serve the construction industry

IIAM COURSES

In addition to the Designation Program Courses IIAM also offers

the following insurance classes

Insurance Ethics

Flood

EampO Risk Management Meeting the Challenges

of Change

Certificates of Insurance

Maryland Rules amp Regulations

Agency-Company Agreements

IIAMrsquos PropertyCasualty Licensing Course

will qualify an individual to take the

Maryland Insurance Licensing Examination

The program is held four times each year and is

a one week program Registration fees cover

your textbook candidate handbook class

instruction and exam simulator

IIAMrsquos ONLINE

LEARNING

CENTER

The Independent Insurance Agents of Maryland

is now offering 150 online continuing education

seminars We have partnered with the following

to bring you quality online education options

8


Insurance Agents Errors and Omissions Coverage Thatrsquos Right for Your Business

Why the Big ldquoIrdquo Professional Liability Program

Superior customer service and expertise by your state association

Professional Liability Committee comprised of IIABA members

that oversee and have a direct influence in the program

Nationally endorsed program with more than 30 years experience

The largest independent insurance agency Errors amp Omissions

program in the country

Two policy forms filed on a Risk Purchasing Group (RPG) basis

exclusive to Big ldquoIrdquo Members

As the nationally endorsed

carrier of the Big ldquoIrdquo

Professional Liability program for over 30 years Swiss Re

Corporate Solutions has created the strongest coverage form

in the marketplace The largest writer of agents EampO

insurance in the country it provides core coverage as well

as additional coverage units to insure against other

exposures of concern to agents

Why Swiss Re Corporate Solutions Exclusive loss prevention resources including

risk management website EampO Happens (see pg 18)

risk management newsletter EampO Claims Advisor

70 of claims personnel are attorneys and focus solely

on defending insurance agents EampO claims

Rated ldquoA+rdquo (Superior) by AM Best

The new Firemanrsquos Fund PRO

GARDreg insurance agents EampO

policy was developed on a risk

purchasing group basis

exclusively for Big I members With more than 25 years

of experience Firemanrsquos Fund is an industry leader in

providing liability coverage for agents and brokers against

errors and omissions

Why Firemanrsquos Fund Access to the Firemanrsquos Fund Heritage Program in

support of firefighters

Dedicated 24-hour claims expertise with multi-line

background

Rated ldquoArdquo (Excellent) by A M Best

Policies are direct bill

INSURANCE ADMINISTRATOR

Carla M McGee RPLU ACSR

carlaiiamdorg or 410-766-0600 x 100

WEBSITES TO BOOKMARK

Swiss RE Risk Management Website wwwindependentagentcomeohappens EampOUmbrella Apps httpwwwiiamdorgproductsandservices

A Commercial Umbrella underwritten by Westport Insurance Corporation a member of Swiss

Re Corporate Solutions (rated A+ by AM Best) is available exclusively to Big ldquoIrdquo members

Designed in collaboration with the IIABA to meet the needs of independent insurance agents

Limits available up to $10 million over underlying primary EampO

Broad coverage over primary casualty lines including EampO

May be written over a variety of EampO carriers

PROTECT CONSOLIDATE SECURE SUPPORT

Just want Excess EampO coverage Look no further Coverage is

provided by First Specialty Insurance Corporation a member of

Swiss Re Corporate Solutions (rated A+ by AM Best) and is available

exclusively to Big ldquoIrdquo members Underlying EampO must be with an

approved carrier which includes Utica Mutual Firemans Fund Safeco

Darwin Indian Harbor Great American National Union CNA amp Liberty

9

AGENCY DATA BREACH COVERAGE





Data Breach Application wwwiiamdorgdatabreachcoverage Data Breach Risk Management website wwwNoDataBreachcom

The Independent Insurance Agents of Maryland now offers Data Breach Coverage exclusive to IIAM members In conjunction with ArlingtonRoe amp Company Inc the Beazley Breach Responsereg policy was created and tailored to the needs of independent agents Coverage is provided on a non-admitted basis through Beazley syndicates at Lloyds with premiums as low as $25000 All premiums are subject to 3 Maryland Surplus Lines tax

Coverage Sublimits Include

Information Security amp Privacy Liability Regulatory Defense amp Penalties PCI Fines amp Penalties (Coverage is subject to underwriting) Website Media Liability Cyber Extortion Legal Forensics amp Public Relations (Outside the aggregate limit of liability) Data Protection Loss Business Interruption Loss Notification Call Center Breach Resolution and Mitigation Services (Limited by the number of records selected amp outside the aggregate limit of liability)

Beazley Breach Responsereg

policyholders have access to

wwwNoDataBreachcom a website

providing risk management policies

procedures training and other tools

to help prevent a breach of

confidential information

Cyber crimes are the fastest growing crimes in the word Cyber attacks are up 17 times since 2009 and this is primarily because only 1 in 20000 cyber thieves get caught Independent agents collect and store numerous types of private information on their clients This information can range from driver license numbers to corporate trade secrets As the agents collect this information they are required by law to protect it from the public and to keep it secure It does not matter if the agent keeps this information on their computer system or another third party system if they collect itmdashthey are responsible for the breach notification

Applications can be found at

wwwiiamdorgdatabreachcoverage To request a quote send the completed Beazley Breach Responsereg application and Surplus Lines Disclosure to

10

TRUSTED CHOICEreg

What is Trusted Choicereg

Trusted Choicereg is more than advertising It is a brand shaped in

response to consumer priorities highlighting the strengths of independent

agents and brokers

Trusted Choicereg is a national consumer brand developed by the Big ldquoIrdquo and its company partners in response to eroding market share and it is the result of significant consumer and industry research Using national advertising local agency marketing and public relations we are communicating to consumers that Trusted Choicereg is the smart way to buy insurance and financial services As a member of Trusted Choicereg you can use the consumer-tested name logo and approved tag lines as well as professionally produced advertising materials for television radio print and online Plus The Trusted Choicereg Agency Locator sends qualified leads directly to your desktop

The Trusted Choicereg Pledge of Performance can be found at

wwwtrustedchoicecomagents along with FAQrsquos Logos amp Usage

Guidelines and information about the Trusted Choicereg Marketing Reimbursement Program

TRUSTED CHOICE CHAIRMAN

Don Grauel CIC dongoldsboroughcom or 410-377-2111


AgentBroker Site Logos and Usage Guidelines wwwtrustedchoicecomagents Advantage Subscription httpsagentstrustedchoicecom

Trusted Choice Agency Benefits include

1) Licensed use of the consumer tested logo amp Pledge of Performance 2) Customizable advertising materials 3) Marketing Reimbursement Program 4) Syndicated content feed (RSS) for your websiteblog 5) Exposure through national advertising amp public relations campaigns 6) Inclusion on the online Agency Locator so consumers can find your

agency when visiting wwwtrustedchoicecom 7) Informative consumer articles that can be used in agency

newsletters websites social media or mailing 8) Customizable press release templates which help garner local press

coverage for your agency 9) Support from many Trusted Choice industry partners

Why Consumers are Choosing TrustedChoicecom

Tools and filters allow them to find an independent agent that fits their unique needs

Personal lines quoting for Auto and Home help them form an idea of what kind of pricing they can expect

Exhaustive resources for research on specific lines of insurance

Engaging blog written by trusted internet authors Educational content to help consumers understand the

value of the independent agent

11

VIRTUAL RISK CONSULTANT

The Big ldquoIrdquo Advantagereg Virtual Risk Consultant (VRC) provides the resources needed to

understand a customerrsquos operation and exposures while identifying applicable coverages Additional resources include EampO checklists sales and marketing tools proposal language plus training and development support

Itrsquos just what the doctor ordered

RISK EXPOSURE ASSESSMENT TOOLS

Commercial Lines Risk Exposure Evaluation System

Provides an overview of operations and exposures for more than 650 businesses

Coverage checklists help ensure you have reviewed all pertinent exposures

Helps you ask the underwriting and coverage questions needed to build a better product for your clients

Explains underwriting criteria and suggests SIC NAICS GL and WC classification codes

Provides printed EampO checklists and coverage recommendations in an organized fashion

Provides a coverage explanation template to accompany your proposal

Personal Lines Risk Exposure Evaluation System

Provides an overviews for coastal properties condos rental properties single family dwellings and tenantsrsquo exposures

Recognizes that not all personal lines risks are the same by outlining a risk specific approach to evaluating diverse exposures

Provides a pre-renewal questionnaire as a guide to disclose changes that could impact a clientrsquos insurance program

Coverages Applicable

Identifies the coverages while supplying a simple and concise explanation of the insuring agreements and the reasons they should be considered

Continual updates alert you to new coverage availabilities

Agency Size (per state) Annual Subscription

Pricing Four-Year Subscription

Pricing

Up to 15 users per agency $250 $750

More than 15 users per agency

$500 $1500


To purchase or log in to VRC wwwiiabanetvrc VRCmdashExperience a Live Demo wwwroughnotescombig_i_demoindex1html

PROPOSAL amp TECHNICAL RESEARCH TOOLS

Policy Forms amp Manual Analysis (PFampM)

Over 7200 pages of comprehensive yet easy-to-use ISO and AAIS coverage form analysis and explanation with Commercial Lines Manual interpretations

Over 1000 pages of court cases and decisions

Hyperlinks throughout this section make it easy to navigate the abundance of material and allows you to toggle multiple sections

ACORDtrade Forms Library Find all ACORD forms with instructions for proper completion in one central depository

Insurance Words and Their Meanings Being able to explain industry terms in a manner understand-able to someone without an insurance background is the hallmark of a successful insurance professional Insurance Words and Their Meanings provides glossaries for 11 business categories enabling producers to comprehend unique terms frequently used in a variety of industries

MARKETING AND PROSPECTING

Business Building Letters Over 300 samples are provided based on a variety of topics

E-Marketing for Agencies Access to articles and content on topics important to clients that the agency can use to keep their website amp newsletters current

Marketplace Tools A directory of 800 providers of EampS and specialty coverages for more than 660 hard-to-place exposures

12


Big ldquoIrdquo Markets is an online agent market access program available exclusively to Big ldquoIrdquo members Big ldquoIrdquo Markets functions

as an online gateway to connect you the agent with the product providers and underwriters for the products you need There are

no access fees no minimums and no special software needed to participate in the program As long as yoursquore a member of the

Big ldquoIrdquo and have a working Internet connection yoursquore able to plug into the power of Big ldquoIrdquo Markets If you have any questions

at any point during the registration process please do not hesitate to call us Big ldquoIrdquo Markets team members are on hand at

(800) 221-7917 or via email at bigimarketsiiabanet Available products can be found at wwwbigimarketscom

A library of pre-recorded webinars to help you

become more familiar with products available

though Big ldquoIrdquo Marketsrsquorsquo

Two-for-Tuesday is a publication that is distributed

to all Big I Markets users via email every

Tuesday Product availability and access changes

underwriting information sales and marketing tips

and techniques and system changesenhancements

are all communicated through this tool

There are seven steps to registering your agency 1 Enter agency contact information

2 Enter agency structure and license information

3 Enter EampO information

4 Answer seven background information questions Answering ldquoYesrdquo to any of

these questions will stop the registration process but it doesnrsquot necessarily

mean you cannot register A Big ldquoIrdquo Markets team member will contact you

for more information

5 Enter user information In order for a producer to be able to quote you must

then click on ldquoEditrdquo next to his or her name and enter the license information

6 Enter flood information

7 Sign the Agreement We encourage you to printout the agreement Enter your

initials in the box at the bottom and click on ldquoAcceptrdquo

The Big I Flood Program in cooperation with Selective Insurance

as the Write-Your-Own (WYO) company has been offering the

National Flood Insurance Program (NFIP) to our member agents

since 2001 Our flood program is a part of the federal flood

insurance program and therefore follows the same rules and regulations of the NFIP As a Big ldquoIrdquo member writing your flood book

of business through Selective gives you access to

Experienced dedicated underwriting teams with years of experience who are well-versed in the legislative changes tied to the

Biggert-Waters Act of 2012 and Homeowner Flood Insurance Affordability Act of 2014

Selectivefloodcom an agency portal offering real-time processing along with report capabilities to help manage your book of

business effectively and efficiently

A dynamic Online Marketing Portal offering complimentary and tailored solutions ranging from co-brandable flyers brochures

and postcards to custom eMarketing campaigns pre-recorded radio spots commercials and billboard designs

Skilled Territory Managers who travel the country facilitating Continuing Education (CE) classes providing the knowledge and

expertise needed to effectively speak flood

QuoteitNow - a self-service flood quoting tool that can be easily added to Selective appointed agency websites

If you are thinking about becoming an independent agent or are an agent relatively newly in

business Eagle Agency can be an especially good fit for you Eagle Agency is an IIABA

program created exclusively for Big ldquoIrdquo members As an Eagle Agent you can choose from the

available personal lines markets of Travelers Met Life Auto amp Home and Progressive You can either be appointed as a sub-producer

or use Eagle Express Eagle agents are vetted by the Company(s) and require a minimum of two (2) new lines a month If you are not

sure the Agency can commit to two new line policies a month choose Eagle Express There is

no minimum per month policy requirement with Eagle Express Eagle Express Agency (s)

requests are reviewed and approved

in-house by Eagle Agency

personnel Both Eagle and Eagle

Express Agencies sell service manage

and own their book of business

Questions about Eagle

Please contact

Jodie Bacote

1-800-221-7917

jodiebacoteiiabanet


Big I Markets Product Guide httpwwwindependentagentcomProductsInsuranceBigIMarketsSiteAssetsPageshomeBIM_ProductGuide_102015pdf

Big I Markets wwwbigimarketscom Big I Flood wwwiiabanetFlood

13

14

RLI

The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)

To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing

material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by

credit card making the application process paperless


Carla M McGee RPLU ACSR carlaiiamdorg

410-766-0600 x 100

RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY

RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales

Could your customers use RLIrsquos PUP

Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home

boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance

Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247

RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses

Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product

is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures

True BOP coverage for home businesses Limits up to $1000000 liability and $100000

Business Personal Property Full year of coveragemdash

includes events fairs amp shows

Available nationwide Premiums start at

$15900 $250 Deductible

For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group

RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991


RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom

15


Big I Retirement Services is here to help you choose which plan best meets your circumstances

They have worked with more than 1000 agencies to help them achieve their retirement goals

Advisors are available to all IIABA members to provide a consultation on existing and new plans at

no cost or obligation Big I Retirement Services considers you a member first and a client second

Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money

with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and

hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees

IIABArsquos retirement professionals can tailor and customize a plan to fit your needs

Big ldquoIrdquo MEP 401(k) Plan

The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple

employer plan also known as the MEP which is a great way to lower your overall retirement plan

costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo

Retirement Services LLC has partnered with national firms to provide a unique member only plan that

simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure

By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer

service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and

our unique association design

These products and services below are available to IIABA members only The IIABA sponsored

employee benefits are underwritten through the Guardian Life Insurance Company of America

Group Long Term Disability Choices

Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to

$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your

choice of waiting periods and waiver of premium

Group Short Term Disability Choices

IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks

and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income

benefits up to $500 and special benefits for residual disability

Group Term Life Insurance

The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of

other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of

medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan

alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees

Group Dental and Vision Insurance

The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider

dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage

through VSP with in and out-of-network coverage

Big ldquoIrdquo IRA Program

The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs

and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families

including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front

or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer

maximum flexibility at a competitive cost

Questions Wersquore ready to take your order

Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet

to learn more about any of these options


IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS

THE ldquoMARYLAND MESSENGERrdquo

Editor Shelley Arnold CPCUAUARMAAIAINS

Graphic Designer Maritza Dintino

For advertising opportunities please contact

Shelley Arnold shelleyiiamdorg or 410-766-0600

IIAMrsquos bi-monthly newsletter contains concise up-to-date

insurance information on all phases of our businesses including

regular columns regarding education local activities etc

Publications are also available online at

httpwwwiiamdorgmarylandmessenger

InVEST

Founded in 1970 by the Independent

Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers

Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue

careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies

If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce

young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or

deborahpickfordiiabanet to learn how you can help perpetuate the industry today

Your Link to Insurance Research

100s of insurance business and technology articles many full sample ISO forms white papers and information on issues

affecting todays insurance marketplace

Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time

issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty

responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days

The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency

management sales and marketing customer service and technology

wwwiiabanetVU

Stephen Earll Memorial Junior Golf Classic

Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior

Golf Classic is held at Argyle Country Club each year The winner is

sponsored by the Independent Insurance Agents of Maryland at the Trusted

Choice Big I Junior Classic which is the 3rd oldest junior golf event in the

United States and has served as a national championship challenge for our

nationrsquos most accomplished junior golfers for the past 44 years

Maryland has had two national winners in the past five years and we

are very proud of the program and the young golfers that participate

GOLF CLASSIC CHAIRMAN

Kenneth Abrams abramsinscomcastnet

443-277-3438

17

OTHER BENEFITS

Ron Berg

ACT Executive Director

ronbergiiabanet

wwwiiabanet

The ACT website includes

Latest ACT Articles amp Reports

Upcoming events webinars and recorded webinars

ldquoQuick Linksrdquo to all ACT website information organized by

each ACT subject area

Information on ACT its members and its current committees

and work groups

The Agents Council for Technology (ACT)

ACT is dedicated to promoting the use of the most effective workflows and

technologies within the Independent Agency System In order to accomplish

this we bring independent insurance agencies together with their carriers

vendors associations and user groups to discuss the best approaches to take as

an industry to advocate for these improvements and to produce reports articles

and webinars to help independent agencies and our industry implement

the recommended approaches

ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS

nancyhuffinsurancecom or 410-647-1111

CONTRACT REVIEWS

Dont sign on the dotted line before IIABAs legal team has had the

opportunity to review the contract Send the contract to us for

review If the company has already been reviewed it will be

emailed to you


Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland

Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by

offering full sales support and back office administration support Having two attorneys and two underwriters

on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy

Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new

Life Insurance section in the Bi-Monthly Maryland Messenger

For more information please contact

Scott Zilber szilberbelmankleincom

18

OTHER BENEFITS

Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site

wwwiiabanetEOHappens

The Big I Risk Management Website contains comprehensive information and tools such as

The common mistakes that cause EampO claims

Real-life case studies for learning

Best practice tips

Sample disclaimers

Procedures and client letters

Operational self-assessments

EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re

The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients

This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable

Clientrsquos drivers report claims from

the scene

Get photos voice recordings and

data in a few quick amp simple steps

Everything sent in one file

Notifies Management Carrier or

Agency directly from driverrsquos

ANDROID OR IPHONE in real time

Customize with your agency

name logo and more Allow your clients to download and use with your permission

A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative

Jerry Mayer 410-645-1765 or jerryagenttlccom

19

MD CENTER FOR VETERANS EDUCATION amp TRAINING

The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities

Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste

IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts

and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors

Big I Members receive exclusive discount pricing on the

premier personality testing product in the industry

Let Caliper tell you what you need to know before you hire

A test and comprehensive consultation is just $245

For more information about Caliper visit

wwwcaliperonlinecom email infocalipercorpcom

or call 1-609-524-1200 and identify yourself as an

IIABA member

IC System specializes in collections $65+ million collected

annually Count on skilled collectors custom programs for

early-stage through intensive recoveries with NATIONAL

credit bureau reporting legal services and more

IC Systemrsquos practices are effective and ethical strict

COMPLIANCE programs (FDCPA HIPAA etc) and a

BBB Accredited Business (A Rating)

Ask about exclusive MEMBER-BENEFITS for Members

Please call 1-800-279-3511 for a quote

Visit wwwicmemberbenefitscom for more information

andor FREE resources

Big I members may now receive exclusive discounted

pricing from the industrys 1 esignature solution Docusign

DocuSign is used to accelerate transaction times to increase

speed to results reduce costs improve customer service

and reduce EampO exposure

Learn more at wwwdocusigncomiiaba

These programs are not endorsed by the Independent Insurance Agents of Maryland

The Big I Career Center offers an online job and resume

posting service for the insurance industry

Visit wwwinsurancecareerfindercom to learn more

Agility works with over 1000 insurance agencies helping them

be prepared to get back in business after a disaster Contact

Agility at 1-866-364-9696 for disaster preparedness services

like remote location or ldquohot siterdquo or their Agility ReadySuite

mobile replacement office capability

wwwagilityrecoverycom

Order your Big I and Trusted Choice logo calendars

business cards and stationery from The Mines Press and

youll know that your promotional gifts and correspondence

will deliver the message of quality as well as care

httpinsuranceminespresscom

IIABA members can now save up to 34 on shipping

services with UPS For more information or to enroll in this

program please go to www1800memberscomiiaba

or call 1-800-MEMBERS (18006362377)

8 amndash6 pm EST M-F

IIABA members enjoy special savings and upgrades on car

rentals from Hertz If you need your corporate discount

number (CDP) email brettsuchiiabanet

TABLE OF CONTENTS

IIAM 2016-2017 EXECUTIVE COMMITTEE helliphelliphelliphelliphellip

IIAM MISSION AND BOARD OF DIRECTORS helliphelliphelliphelliphelliphellip

IIAM STAFF

ADVOCACY

EDUCATION


AGENCY DATA BREACH COVERAGE helliphelliphelliphelliphelliphelliphelliphelliphellip

TRUSTED CHOICE

VIRTUAL RISK CONSULTANT (VRC)


BIG ldquoIrdquo MARKETS MARYLAND PRODUCT LIST helliphelliphellip

RLI PERSONAL UMBRELLA amp AT HOME BUSINESS


OTHER BENEFITS

MCVEThelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphellip

DISCOUNTS AND SERVICES helliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphellip

33

44

55

66

77

88

99

1010

1111

1212

1313

1414

1515

1616

1919

2020

3






VICE CHAIRMAN




CHAIRMAN-ELECT




DIRECTOR-AT-LARGE













Email tkatzhmsiacom





PRESIDENT amp CEO


Telephone 410-766-0600 or 800-544-3368






in Solomons MD

4






Our Mission










Huff Insurance




Huff Insurance










Ivory M Buck III




5

IIAM STAFF

PRESIDENT


shelleyiiamdorg

ACCOUNTING

EDUCATION DIRECTOR


Bookkeeper

rebekahiiamdorg




carlaiiamdorg

6

ADVOCACY






















throughout the year


Suite 1400



410-576-4815

Fax 410-576-4826

bliningersemmescom





dcarnesisgusacom



jaywaring-ahearncom




Don Grauel CIC



dongoldsboroughcom

Mike McCartin CPCU



mikemccartincom






Rrrsmithinsyahoocom


IIA of Maryland Inc


shelleyiiamdorg








pdodgeusis-tiacom
















WEBITES TO BOOKMARK









7

EDUCATION

FREE

Flood amp Ethics





WEBITES TO BOOKMARK





410-766-0600 x 103

rebekahiiamdorg















IIAM COURSES



Insurance Ethics

Flood


of Change











IIAMrsquos ONLINE

LEARNING

CENTER





8





































background





















9




















10

TRUSTED CHOICEreg




agents and brokers




















11






















Pricing



$500 $1500














12

























































Please contact

Jodie Bacote

1-800-221-7917

jodiebacoteiiabanet




13

14

RLI







410-766-0600 x 100



















15
















































IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





3






VICE CHAIRMAN




CHAIRMAN-ELECT




DIRECTOR-AT-LARGE













Email tkatzhmsiacom





PRESIDENT amp CEO


Telephone 410-766-0600 or 800-544-3368






in Solomons MD

4






Our Mission










Huff Insurance




Huff Insurance










Ivory M Buck III




5

IIAM STAFF

PRESIDENT


shelleyiiamdorg

ACCOUNTING

EDUCATION DIRECTOR


Bookkeeper

rebekahiiamdorg




carlaiiamdorg

6

ADVOCACY






















throughout the year


Suite 1400



410-576-4815

Fax 410-576-4826

bliningersemmescom





dcarnesisgusacom



jaywaring-ahearncom




Don Grauel CIC



dongoldsboroughcom

Mike McCartin CPCU



mikemccartincom






Rrrsmithinsyahoocom


IIA of Maryland Inc


shelleyiiamdorg








pdodgeusis-tiacom
















WEBITES TO BOOKMARK









7

EDUCATION

FREE

Flood amp Ethics





WEBITES TO BOOKMARK





410-766-0600 x 103

rebekahiiamdorg















IIAM COURSES



Insurance Ethics

Flood


of Change











IIAMrsquos ONLINE

LEARNING

CENTER





8





































background





















9




















10

TRUSTED CHOICEreg




agents and brokers




















11






















Pricing



$500 $1500














12

























































Please contact

Jodie Bacote

1-800-221-7917

jodiebacoteiiabanet




13

14

RLI







410-766-0600 x 100



















15
















































IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





4






Our Mission










Huff Insurance




Huff Insurance










Ivory M Buck III




5

IIAM STAFF

PRESIDENT


shelleyiiamdorg

ACCOUNTING

EDUCATION DIRECTOR


Bookkeeper

rebekahiiamdorg




carlaiiamdorg

6

ADVOCACY






















throughout the year


Suite 1400



410-576-4815

Fax 410-576-4826

bliningersemmescom





dcarnesisgusacom



jaywaring-ahearncom




Don Grauel CIC



dongoldsboroughcom

Mike McCartin CPCU



mikemccartincom






Rrrsmithinsyahoocom


IIA of Maryland Inc


shelleyiiamdorg








pdodgeusis-tiacom
















WEBITES TO BOOKMARK









7

EDUCATION

FREE

Flood amp Ethics





WEBITES TO BOOKMARK





410-766-0600 x 103

rebekahiiamdorg















IIAM COURSES



Insurance Ethics

Flood


of Change











IIAMrsquos ONLINE

LEARNING

CENTER





8





































background





















9




















10

TRUSTED CHOICEreg




agents and brokers




















11






















Pricing



$500 $1500














12

























































Please contact

Jodie Bacote

1-800-221-7917

jodiebacoteiiabanet




13

14

RLI







410-766-0600 x 100



















15
















































IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





5

IIAM STAFF

PRESIDENT


shelleyiiamdorg

ACCOUNTING

EDUCATION DIRECTOR


Bookkeeper

rebekahiiamdorg




carlaiiamdorg

6

ADVOCACY






















throughout the year


Suite 1400



410-576-4815

Fax 410-576-4826

bliningersemmescom





dcarnesisgusacom



jaywaring-ahearncom




Don Grauel CIC



dongoldsboroughcom

Mike McCartin CPCU



mikemccartincom






Rrrsmithinsyahoocom


IIA of Maryland Inc


shelleyiiamdorg








pdodgeusis-tiacom
















WEBITES TO BOOKMARK









7

EDUCATION

FREE

Flood amp Ethics





WEBITES TO BOOKMARK





410-766-0600 x 103

rebekahiiamdorg















IIAM COURSES



Insurance Ethics

Flood


of Change











IIAMrsquos ONLINE

LEARNING

CENTER





8





































background





















9




















10

TRUSTED CHOICEreg




agents and brokers




















11






















Pricing



$500 $1500














12

























































Please contact

Jodie Bacote

1-800-221-7917

jodiebacoteiiabanet




13

14

RLI







410-766-0600 x 100



















15
















































IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





6

ADVOCACY






















throughout the year


Suite 1400



410-576-4815

Fax 410-576-4826

bliningersemmescom





dcarnesisgusacom



jaywaring-ahearncom




Don Grauel CIC



dongoldsboroughcom

Mike McCartin CPCU



mikemccartincom






Rrrsmithinsyahoocom


IIA of Maryland Inc


shelleyiiamdorg








pdodgeusis-tiacom
















WEBITES TO BOOKMARK









7

EDUCATION

FREE

Flood amp Ethics





WEBITES TO BOOKMARK





410-766-0600 x 103

rebekahiiamdorg















IIAM COURSES



Insurance Ethics

Flood


of Change











IIAMrsquos ONLINE

LEARNING

CENTER





8





































background





















9




















10

TRUSTED CHOICEreg




agents and brokers




















11






















Pricing



$500 $1500














12

























































Please contact

Jodie Bacote

1-800-221-7917

jodiebacoteiiabanet




13

14

RLI







410-766-0600 x 100



















15
















































IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





7

EDUCATION

FREE

Flood amp Ethics





WEBITES TO BOOKMARK





410-766-0600 x 103

rebekahiiamdorg















IIAM COURSES



Insurance Ethics

Flood


of Change











IIAMrsquos ONLINE

LEARNING

CENTER





8





































background





















9




















10

TRUSTED CHOICEreg




agents and brokers




















11






















Pricing



$500 $1500














12

























































Please contact

Jodie Bacote

1-800-221-7917

jodiebacoteiiabanet




13

14

RLI







410-766-0600 x 100



















15
















































IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





8





































background





















9




















10

TRUSTED CHOICEreg




agents and brokers




















11






















Pricing



$500 $1500














12

























































Please contact

Jodie Bacote

1-800-221-7917

jodiebacoteiiabanet




13

14

RLI







410-766-0600 x 100



















15
















































IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





9




















10

TRUSTED CHOICEreg




agents and brokers




















11






















Pricing



$500 $1500














12

























































Please contact

Jodie Bacote

1-800-221-7917

jodiebacoteiiabanet




13

14

RLI







410-766-0600 x 100



















15
















































IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





10

TRUSTED CHOICEreg




agents and brokers




















11






















Pricing



$500 $1500














12

























































Please contact

Jodie Bacote

1-800-221-7917

jodiebacoteiiabanet




13

14

RLI







410-766-0600 x 100



















15
















































IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





11






















Pricing



$500 $1500














12

























































Please contact

Jodie Bacote

1-800-221-7917

jodiebacoteiiabanet




13

14

RLI







410-766-0600 x 100



















15
















































IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





12

























































Please contact

Jodie Bacote

1-800-221-7917

jodiebacoteiiabanet




13

14

RLI







410-766-0600 x 100



















15
















































IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





13

14

RLI







410-766-0600 x 100



















15
















































IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





14

RLI







410-766-0600 x 100



















15
















































IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





15
















































IIABA wwwiiabanet

Retirement

Calculators

Asset Allocator

401(k) Savings

Retirement Income

Retirement Planner

Retirement

Shortfall

Calculator

16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





16

OTHER BENEFITS











InVEST
















wwwiiabanetVU












443-277-3438

17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





17

OTHER BENEFITS

Ron Berg


ronbergiiabanet

wwwiiabanet







and work groups











CONTRACT REVIEWS




emailed to you










18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





18

OTHER BENEFITS






Best practice tips

Sample disclaimers







the scene











19













IIABA member




































or call 1-800-MEMBERS (18006362377)





19













IIABA member




































or call 1-800-MEMBERS (18006362377)














IIABA member




































or call 1-800-MEMBERS (18006362377)





Independent Insurance Agents of Maryland Packet... · 2016-07-08 · in the marketplace. The...

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Transcript of Independent Insurance Agents of Maryland Packet... · 2016-07-08 · in the marketplace. The...