Marriott Rivercenter | San Antonio | TexasSeptember 30 – October 3

onsite program

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The AICP® Conference Planning Committee welcomes you to our 25th Annual Conference. Our theme for this year’s conference is “Compliance and Regulation: Forming New Bridges”. Without bridges, the best-built roads lead nowhere, the most impressive visions remain invisible, and the best-laid plans fail. In life and in work, connection is everything. In Compliance it’s easy to let building good relationships with industry peers and regulators take a backseat to dealing with the daily list of tasks we all have. But not taking care to create or strengthen the bridges you need is one of the biggest mistakes you can make. In a compliance and regulatory

environment that is increasingly complicated, it is easier to “burn your bridges” than it is to build them.

A bridge must be built upon a strong base, without it, the entire structure could collapse; successful compliance, whether a project or a program, requires that same strong base. With over 70 sessions covering the majority of compliance areas, and networking opportunities with both industry peers and regulators, we welcome you to a “compliance and regulatory” program that will help you strengthen the bridges you have and form the new bridges you will need.

Chapter eventsWhether you are an AICP® member or just thinking about joining, this year’s Chapter events will offer you a variety of networking opportunities in what humorist Will Rodgers is said to have called “one of America’s four unique cities”. San Antonio offers many delights such as the meandering River Walk, the eighteenth-century Spanish missions, and of course, the Alamo! Chapter events that take advantage of everything this unique city offers will be held during the evening on Tuesday, October 2nd. Check chapter communications for further details. Don’t forget to stop by the Welcome table in the registration area to pick up coupons and information about San Antonio. A Chapter Breakfast will be held on Monday morning. This year, a special networking opportunity will help you add new contacts as you try for a chapter-wide prize.

aICp® FIrst tImer’s meet and Greet sessIonIs this your first AICP® Annual Conference? Then you should not miss this Sunday afternoon session on Sep-tember 30th! In an informal and fun way, you will learn how to take full advantage of both the professional education, and the networking opportunities that the con-ference offers. Join your “first timer” peers and enjoy fun networking activities. To get your conference off to the right start, don’t skip this important session!

aICp® annual BusIness meetInGDuring the luncheon on Tuesday, October 2nd, the AICP® will hold a business meeting. This is a real opportunity for you to learn more about the Association, its leaders and what is planned for the future. The AICP® is a member driven organization. Your thoughts and opinions are impor-tant to help give the AICP® direction. So listen, and then let your voice be heard.

area attraCtIonsSan Antonio, the Alamo City, is often regarded as the Heart of Texas, because its illustrious past and its cosmo-politan present have come to symbolize the rich heritage of the state. So whether your choice is an enchanted evening sail around the city’s waterways or an exciting evening at Six Flags Park, you can find it here! Monday evening, October 1st, has been left open so that even the busiest schedule can fit in some time to enjoy San Antonio.

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exhIBItor eventsSunday, September 30th from 5pm to 7pm, the Exhibi-tor’s Showcase is where you will have the opportunity to meet our exhibitors and learn about the product innova-tions and services that they offer to help you build and strengthen your compliance and regulatory bridges. Be sure to check out the fun new puzzle offered throughout the showcase. Your correctly completed entry will make you eligible to win valuable prizes awarded on Monday evening. Don’t forget to bring a supply of business cards! The exhibitors have additional prizes at their booths for those who leave a business card and while you are there, don’t forget to pick up the interesting gadgets and gifts offered at each booth. This year, the exhibitors have added something special, but you will have to stop by to see what it is!

sIlent auCtIonWhere can you find a chance to bid on the latest electron-ics, gift cards for everything from dining to relaxing at a spa and many more interesting and fun items? Why, at the AICP® Silent Auction of course! Each year, the AICP® chooses a local charity and donates the proceeds from this auction to them. The prize descriptions go on display on Sunday evening at the opening of the Exhibitor Showcase. The auction bidding continues through Monday at noon and the winning bidders can pick-up their treasures on Tuesday. This year, AICP® has selected the Texas Honor Ride as the recipient of its annual charity drive. The goal of the Texas Honor Ride is to help the families of the wounded soldiers who are recovering at the Brooke Army Medical Center (BAMC) in San Antonio, Texas, through the Warrior Family Support Center. The Center provides a “safe” environment away from the sterile hospital environ-ment for the ‘wounded warriors’ families to be directly and intimately involved in their rehabilitation.

WelCome reCeptIonSunday, September 30th from 7pm to 9pm, please join us for the kind of rollicking fun that only Texas can offer. Whether you just enjoy the delicious fare, listen to the country western tunes, or join in the “boot scootin” line-dancing, you will find many ways to use the friendly and easy environment to network with regulators and industry peers. For those who like a quiet place to meet and greet, there will be a separate room available. Peaceful conversa-tion, or toe tapping rhythm, either way, the evening’s event will get your conference off to a real Texas start. This event is made possible by the generous support of Wolter’s Kluwer Financial Services, a conference Platinum Sponsor.

Guest/spouse proGramPaid guests and spouses are welcome to enjoy the meals and events offered at the Annual Conference. Tickets for individual meal functions can also be purchased at confer-ence at the registration desk.

A special guest/spouse event will be offered and informa-tion on this event can be found on the Conference Website. To register for this special event, follow the instructions on the website or contact Mike Hollar at michael.hollar@combined.com.

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A BIG THANK YOU TO THe MeMBeRS OF THe 2012 AIcP® cONFeReNce PlANNING cOMMITTee!

The 2012 Annual Conference is brought to you through the efforts of a committed group of AICP® volunteers. For 25 years, our Conference Planning volunteers have excelled at this task, and 2012 was no excep-tion. The AICP® is an association that runs on volunteer spirit and energy. Nowhere is this more apparent than in its annual conference. It is planned and organized by association members committed to supporting the AICP®’s mission of “serving the compliance commu-nity by promoting relationships, exchanging information, and providing learning opportunities within a dynamic regulatory environment.”

WIth GrateFul appreCIatIon, We applaud the 2012 annual ConFerenCe plannInG CommIttee!

leadershIp team memBers: BJ Baldwin Matt Brasch Elaine Douglas Mike Hollar Diane Higdon Tyrone Settlemier Debby Paris Karen Crooks Doug Simino Dawn Murphy Doug Geraci Nick Marrangoni Rich Fidei Karen Andrews Florence Marafatsos Kori Johanson Kelly Armstrong Rebecca Booth Dave Milligan Peg Ising Deborah Rainey

CommIttee memBers: Melinda Arora Linda Boyce Carmen Boyd Eileen Breen Erica Brownell Theresa Cameron Laurie Christensen Lisa Cooper Betty Dabrowski Lee Davidson Cheryl Davis Bill Douglas Kathy Ducharme Rona Finkelstein Mike Fioto Steve Fisher Jamie Ford Samuel Garro John Gatlin Austin Grigsby Larry Gross Shirley Grossman Katie Gurnett Amy Hanes Donald Harrison Ron Haughton Carol Heard Carolyn Heindl Derek Hill Brian Hoffman Rolf Junge Kim Kennedy-Gillette Penny Kilberry Dave Kostreva Sally Lane Theresa Lavenburg Steve Lehew Paul Lindemann Fran Linker Manolo Maddela Deb Matthews Ginny McHugh David Morris Tim Morris Jeff Nash Roger Osgood Chris Palmieri Terri Parker Mary Anne Perruccio Ines Piquet Alan Prochoroff Sonja Rodebaugh Pam Sampey Heather Sheehan Denise Tessier Jan Vitus Scott Whitaker Francine Williams Kim Wright

Nancy French, Co-Chair Peggy Schwartz, Co-Chair Susan Eckler Kerns, Consulting Chair

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MONdAY, OcTOBeR 1, 2012 [12:45 – 1:15PM]

erIC a. CIoppaSuperintendent

Maine Department of Professional

& Financial Regulation

Bureau of Insurance

Eric Cioppa is the Superintendent of the Maine Bureau of Insurance, Department of Profes-sional and Financial Regulation. He joined the Bureau in 1988 as a statistician III and served as the Supervisor of the Worker’s Compensation Section prior to becoming Deputy in 1998. He served as Acting Superintendent beginning June 1, 2011 and was sworn in as Superinten-dent on September 28, 2011.

He is responsible for the Examination, Market Conduct, Financial Analysis, Alternative Risk Markets, Producer Licensing, Administrative Support Unit, and Research and Statistics Units of the Bureau. Currently serves as co-chair of the National Association of Insurance Commissioners and International Association of Industrial Accident Boards and Commissions joint working group. He also is currently the co-chair of the NAIC Advisory Organization Exam Oversight Group. Cioppa received his BA from Potsdam State University and his MBA from Clarkson.

TUeSdAY, OcTOBeR 2, 2012 [8:00 – 8:45AM]

malColm KushnerAmerica’s Favorite Humor Consultant

Internationally acclaimed expert on humor and communication, frequently interviewed by the media, Malcolm has been profiled in Time Magazine, USA Today, The New York Times,

The Washington Post, and numerous other publications. His television and radio appearances include CNN, National Public Radio, CNBC, Voice of America and The Larry King Show.

He is a co-creator of the humor exhibit at The Ronald Reagan Presidential Library. He also wrote, narrated and published “Leading With Laughter”, a six audio CD set of presidential humor featuring the actual voices of Presi-dents Kennedy, Johnson, Ford, Carter, Reagan, and Bush.

Kushner is the creator of the widely quoted “Cost of Laughing Index”, a price index of the 16 leading humor indicators in America. The annual Index has been featured on Good Morning America, The Tonight Show With Johnny Carson and the front page of The Wall Street Journal.

A celebrated author, Malcolm’s publications include: — The Light Touch: How to Use Humor for Business

Success (Simon & Schuster)— Presentations For Dummies (Wiley)— Public Speaking For Dummies (Wiley)— Vintage Humor For Wine Lovers

A Phi Beta Kappa graduate of SUNY at Buffalo, Malcolm holds a B.A. in Speech-Communication. His M.A. in Speech-Communication is from the University of Southern California, where he taught freshman speech classes for two years. He also holds a J.D. from the Uni-versity of California Hastings College of the Law. Prior to becoming a humor consultant, he practiced law with a major San Francisco firm.

SPecIAl KeYNOTe SPeAKeRS

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erIC a. CIoppaSuperintendent Maine Department of Professional & Financial Regulation Bureau of Insurance

Eric Cioppa is the Superintendent of the Maine Bureau of Insurance, Department of Professional and Financial Regulation. He joined the Bureau in 1988 as a statistician III and served as the Supervisor of the Worker’s Compensation Section prior to becoming Deputy in 1998.

He served as Acting Superintendent beginning June 1, 2011 and was sworn in as Superintendent on September 28, 2011.

He is responsible for the Examination, Market Conduct, Finan-cial Analysis, Alternative Risk Markets, Producer Licensing, Administrative Support Unit, and Research and Statistics Units of the Bureau. Currently serves as co-chair of the National Association of Insurance Commissioners and International Association of Industrial Accident Boards and Commissions joint working group. He also is currently the co-chair of the NAIC Advisory Organization Exam Oversight Group. Cioppa received his BA from Potsdam State University and his MBA from Clarkson.

anne melIssa doWlInG, CFaDeputy Commissioner Connecticut Insurance Department

Deputy Commissioner Anne Melissa Dowling joined the Connecticut Insurance Department on September 15, 2011. Her responsibilities include the day-to-day oversight of all divisions, includ-ing consumer affairs, market conduct, and financial regulation. She also is the Department’s

representative on the state Health Insurance Exchange Board.

A former Senior Vice President at MassMutual, Deputy Com-missioner Dowling is a Chartered Financial Analyst (CFA) with more than 25 years of career experience in financial services.

Deputy Commissioner Dowling is also an active community volunteer, serving on numerous boards that support literacy, edu-cation, the arts, and housing. She has a Bachelor’s of Arts degree from Amherst College in Fine Arts and French Literature and earned her MBA in Finance from Columbia University.

JustIn durranCeChief Deputy Commissioner Georgia Department of Insurance

Justin Durrance joined the Georgia Department of Insurance in 1995 and has served as Chief Deputy Commissioner for the last 16 years. He also serves as the Deputy Industrial Loan Commissioner.

The Department’s insurance regulatory divisions and internal operational divisions report through Justin to Commissioner Hudgens. Prior to his work at the Department, Justin served as Political Director and then Executive Director of the Georgia Republican Party. He has earned a bachelor degree from Troy University, a M.A. from Emory University, and a M.B.A. from Mercer University and currently holds the designations of FMLI (Fellow, Life Management Institute) and AIE (Accredited Insur-ance Examiner). A native of Florida, Justin has lived in Georgia for over 20 years and resides in Paulding County.

John FranChInISuperintendent of Insurance New Mexico Public Regulation Commission

John G. Franchini, a native New Mexican and graduate of Creighton University in Omaha, has over 35 years experience in the insurance industry. John “temporarily” joined Consolidated Agency, his father’s independent insurance agency, while attending graduate school at the University of

New Mexico. Ten years later, he purchased the business and expanded it to four locations employing 82 people and servicing nearly 15,000 customers. During that time, he served on the New Mexico Workers’ Compensation Assigned Risk Pool Board of Governors, the Patient Compensation Administration Board of Directors, and was elected president of the Independent Insurance Agents of New Mexico.

In 1998, Poe & Brown, a national insurance broker, purchased the business. Franchini was named vice president, and his responsibilities included new business production, development of specialized insurance programs, and agency acquisitions. He received the company’s “Top Gun of New Mexico” award in 2000 and the “Top Gun of the Southwest” award in 2001. Franchini joined New Mexico Mutual in 2002 and was eventually named

Vice President of Government and Industry Affairs. At New Mexico Mutual, he worked with state legislators, members of

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regulatory agencies, and insurance agents to strengthen the com-pany’s financial and public standing. John is a member of the Leadership New Mexico Class of 2007, former board member of the Rocky Mountain Insurance Information Association, and past president of the New Mexico Insurance Association.

sCott KIpperCommissioner Nevada Department of Insurance

Scott Kipper was reappointed Nevada Commis-sioner of Insurance on October 24, 2011. He previously served as Nevada’s Insurance Com-missioner from December 2008 to June 2010. After leaving Nevada in 2010, he served as the Deputy Commissioner in charge of the Office of

Health Insurance for the Louisiana Department of Insurance and as CEO of the State of Louisiana Office of Group Benefits. He previously served as the Oregon Insurance Administrator from December 2007 to 2008. Prior to going to Oregon, Kipper served as the Deputy Commissioner in charge of the Office of Health Insurance for the Louisiana Department of Insurance for over two years, where he led the development and implementation of emergency rules following Hurricanes Katrina and Rita. Kipper worked as the senior regional director for the Health Insurance Association of America and America’s Health Insurance Plans from January 2001 through August 2005, where he directed legislative and regulatory efforts in a number of states, including Oregon, California, Texas, and Colorado. He spent two years on the staff of the National Association of Insurance Commissioners in Washington, D.C. as a health analyst, working on senior health insurance issues.

Kipper began his regulatory career at the Wyoming Depart-ment of Insurance, serving nearly five years as a life and health insurance standards consultant, including form filing review, consumer liaison, and legislative duties. He started his insur-ance career as an independent life and health agent in Laramie, Wyoming, in 1985. Kipper graduated from the University of Wyoming with a degree in business administration.

ted nICKelCommissioner Wisconsin Office of the Commissioner of Insurance

Governor Scott Walker appointed Ted Nickel of Merrill, Wisconsin, as Commissioner of Insurance for the State of Wisconsin on January 3, 2011. The Office of the Commissioner of Insurance regulates the business of insurance in Wisconsin. The office has a staff of 153 and is

responsible for examining industry financial solvency and market conduct, licensing agents, reviewing policy forms for compliance with state legislation, investigating consumer com-plaints and providing consumer information. In addition to its regulatory duties, the agency administers the State Life Insur-ance Fund, Local Government Property Insurance Fund, and Injured Patients and Families Compensation Fund.

Prior to his appointment, Commissioner Nickel worked for almost 18 years as Director of Governmental and Regulatory Affairs for Church Mutual Insurance Company in Merrill, Wisconsin. Commissioner Nickel has been actively engaged in insurance industry affairs in Wisconsin serving on the board of directors of the Wisconsin Insurance Alliance including serving as Alliance Board Chair. Commissioner Nickel served on the board of directors of the Wisconsin Insurance Security Fund and the Oklahoma Property Casualty Insurance Guaranty Associa-tion, and as a member of the Legal and Government Affairs Committee of the Property Casualty Insurance Association of America. Commissioner Nickel also worked in the Governor Tommy Thompson Administration.

Commissioner Nickel served on the Northcentral Technical College Board of Trustees for six years. While there, he served as secretary/treasurer and participated in a CEO recruiting com-mittee. He chaired the Merrill Parks and Recreation Committee and was vice-chair of the City Planning Commission.

The Commissioner currently serves as the secretary/treasurer for the Midwest Zone, is a member of the Executive Committee, is the chair of the Contingent Deferred Annuities Working Group and is the vice-chair for the Limited Medical Benefit Plan Working Group for National Association of Insurance Commissioners.

Commissioner Nickel earned his Bachelor of Science Degree in Business Administration with a concentration in Finance from Valparaiso University.

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danny saenzDeputy Commissioner Texas Department of Insurance

Danny Saenz began his career with the Texas Department of Insurance in 1988, as a field examiner in the Examinations Division and spent eight years in the field examining all types of insurance entities. In August, 1996, Mr. Saenz assumed the duties of Assistant Chief Examiner

- Market Conduct Examinations. His responsibilities included the performance of market conduct examinations of insurance companies, as well as financial and market conduct examinations of premium finance companies, managing general agents and local recording agents. In January 1999, Mr. Saenz was promoted to Director of Financial Monitoring where he oversaw the financial review process relating to early identification of and intervention with potentially troubled insurers. In addition, he had the responsibility of reviewing and approving consolida-tions, reorganizations and acquisitions occurring in the industry as well as the multitude of holding company transactions.

In December 1999, the activities of Financial Monitoring and Examinations were merged into a single unit titled Financial Analysis and Examinations and Mr. Saenz was named Deputy Commissioner overseeing the financial review process as well as on-site financial examinations of Texas domestic insurers and market conduct examinations of all licensed entities in Texas. In August 2007, Mr. Saenz was promoted to head the Financial Program at the Texas Department of Insurance and in addition to the responsibilities mentioned earlier he assumed responsibility over the licensure and registration of insurers, actuarial and the rehabilitation and liquidation oversight of insurers.

Mr. Saenz has been a member of the Insurance Regulatory Examiners Society and the Society of Financial Examiners since 1996 and 1988, respectively and is actively involved in various National Association of Insurance Commissioners committees and working groups.

roGer a. sevIGnyCommissioner, New Hampshire Insurance Department

In New Hampshire, Commissioner Sevigny leads a staff of 81 employees. He is an NAIC Past President and is a very active member of the NAIC Committees and task forces. He is Chair of the Life Insurance Interstate Compact as well as the Producer Licensing Task Force. He is

also a member of the SERFF Board of Directors, the Health Insurance and Managed Care (B) Committee, the NAIC/State Government Liaison Committee and Vice-Chair of the Antifraud Task Force.

Additionally, he is a member of the International Insurance Relations Leadership Group, the Professional Health Insurance Advisors (EX) Task Force, the Accounting Practices and Proce-dures (E) Task Force, the Examination Oversight (E) Task Force, the Reinsurance (E) Task Force and the Valuation of Securities (E) Task Force.

Prior to his appointment as Commissioner he held the position of Assistant Commissioner of New Hampshire’s Insurance Department. Before joining the Insurance Department, he was an employee of Travelers Insurance for more than 30 years, serving in a variety of technical and management positions.

Commissioner Sevigny holds a Bachelor of Arts in biology from St. Anselm College in Manchester, New Hampshire. He is also a commissioned officer in the United States Army, having retired at the rank of Colonel.

Term of Office: Five years— Appointed: August 2003 — Reappointed: June 9, 2008

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lha Q & a (part I: lIFe & annuItIes)Charles Lynch, Compliance ConsultantDave Milligan, American Equity Investment Life Insurance Co. June Stracener, Mitchell, Williams, Selig, Gates & Woodyard, PLLC

This session is a tradition at our conference and gives attendees the opportunity to discuss important issues in the Life & Annuities business with peers in an open forum. A panel of expert moderators will assist the group in developing answers during the discussion. Please submit questions in advance of the Conference through the Conference Website so that the moderators can prepare for a full discussion. This is a “can’t miss” session!

*All questions must be submitted in advance through the website for anti-trust review.

p&C Q & a (part I: personal lInes)Joe Bieniek, First Consulting & Administration, Inc Cynthia Burleson, American Management Corporation Rich Fidei, Colodny, Fass, Talenfeld, Karlinsky, Abate & Webb, P.A. Nick Marrangoni, Liberty Mutual Group

This session is a tradition at our conference and gives attendees the opportunity to discuss important issues in the personal lines business with peers in an open forum. A panel of expert moderators will assist the group in developing answers during the discussion. Please submit questions in advance of the conference through the Conference Website so that the moderators can prepare for a full discussion. This is a “can’t miss” session!

*All questions must be submitted in advance through the website for anti-trust review.

ComplIanCe & reGulatIon: FormInG neW BrIdGes

We welcome you to a program that will help you strengthen your compliance bridges and form the

new networking bridges that you need in an increasingly complex insurance environment.

With over 70 sessions* covering a wide variety of compliance areas and networking opportunities with both industry peers and regulators,

this year’s presentations will focus on issues important to both the Life, Health, & Annuity side as well as the

Property & Casualty side of insurance.Sessions such as:

The Mobile Global Insured | Compliance at the Top The Path to Approval | and Market Conduct

from three different perspectives, plus many more, will offer the information and guidance you need.

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concurrent sessions

*NOTE: All sessions will allow time for Q&A. The following sessions are planned for the 2012 AICP® Conference. The title, description, and/or content are subject to change.

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reBates, GIFts, and ConFlICts oF InterestPeter Bernstein, Travelers William Lacy, Arkansas Insurance Department

Hear from industry and regulatory representatives about how these laws apply to agents, regulators and consumers, and about the impact they have to how policy language is written and interpreted.

health Issues For the non-health proFessIonal: Intro 101Melissa Berry, Thomson Reuters Governance, Risk and Compliance

Confused by changes made by the Patient Protection and Affordable Care Act (PPACA or “The Affordable Care Act”)? Are you in the dark when you hear people talk about “grandfathering,” “exchanges,” “essential/mandatory benefits,” and other such subjects? This session covers both healthcare and insurance issues for both compliance and consumers. It is intended to provide compliance professionals with the latest regulatory updates and help us as consumers to understand the changes important to our private lives.

Brand yourselF!David Allen Kelly, Continental American Insurance Company/AFLACBrand yourself? Why not...your company does it! This session provides insight into how to make yourself more valuable to your employer. Be prepared as this session is interactive!

lha Q&a (part II: health)Mary Ellen Breault, Connecticut Insurance Department Maryana Grodnova-Ware, Nebraska Department of Insurance Susan Kalmus, AXIS Global Insurance Dave Simon, CRS Solutions Group, LLCThis session is a tradition at our conference and gives attendees the opportunity to discuss important issues in the Health business with peers in an open forum. A panel of expert moderators will assist the group in developing answers during the discussion. Please submit questions in advance of the Conference through the Conference Website so that the moderators can prepare for a full discussion. This is a “can’t miss” session!*All questions must be submitted in advance through the website for anti-trust review.

p&C Q & a (part II: CommerCIal lInes)Joe Bieniek, First Consulting & Administration, Inc. Cynthia Burleson, American Management Corporation Rich Fidei, Colodny, Fass, Talenfeld, Karlinsky, Abate & Webb, P.A.This session will be broken down into a small group discussion of important issues in the commercial lines business. A panel of expert moderators will assist the groups in developing answers during the discussion. Please submit questions in advance of the conference through the Conference Website so that the moderators can prepare for a full discussion. This is a “can’t miss” session!*All questions must be submitted in advance through the website for anti-trust review.

traCKInG & monItorInG leGIslatIon and reGulatIonsKelly Armstrong, Canal Insurance Company Joel Masinter, Trustmark CompaniesHave you found yourself in a real bind with a regulator because you didn’t know about a new law, regulation or bulletin? Learn how to track state and federal laws effectively.

uh-oh! Is that rIsK In a sanCtIoned Country? praCtICal tIps For navIGatInG throuGh an oFaC vIolatIonDan Cotter, Korey Cotter Heather & Richardson, LLCSo you have identified a potential OFAC violation—what should you do next? This session with an experienced industry member will discuss the steps to take after the first identification of a potential violation through the settlement of the violation with the OFAC. The increased use, and effectiveness of sanctions by the United States makes this session a “must attend” for all compliance professionals.

so you Want (need!!!) to netWorKBill Douglas, Standard Insurance Company Katie Gurnett, Physicians Mutual Insurance Company

This session is for everyone! This is a “can’t miss” session both for first-time attendees and for everyone who would like to learn tips on networking! The session includes a presentation and practical application exercises. Outside of our social events, this, most likely, is the ONLY session offering fun and game activities!

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vIeW From the top: p&CEric Cioppa, Maine Bureau of Insurance Ann Melissa Dowling, Connecticut Insurance Department Justin Durrance, Georgia Department of Insurance John Franchini, New Mexico Department of Insurance Scott Kipper, Nevada Division of Insurance Ted Nickel, Wisconsin Office of the Commissioner of Insurance Danny Saenz, Texas Department of Insurance Roger Sevigny, New Hampshire Insurance Department

Always one of the most anticipated sessions at the Annual Conference, during the “View from the Top Session” a panel of Insurance Commissioners will discuss recent changes at the state level and the trends on both the state and federal level that shape the future of insurance. Specific topics that you would like to see addressed may be submitted through the Conference website. The topics of greatest interest to our attendees will be presented to the panel for discussion.

ComplIanCe ConneCtIons For lhaNeed to build or enhance your professional network? This session gives attendees the opportunity to identify others in your area of business and most importantly—meet them! At Compliance Connections, you will find tables labeled by line of business or hot topic—find one that interests you and meet others there. Don’t forget your business cards!

annuIty suItaBIlIty: the next stepMike Honeck, Wisconsin Office of the Commissioner of Insurance Jim Mumford, Iowa Insurance Division

What problems and trends are regulators seeing? What can be expected in a market conduct examination? What is the next step in regulatory oversight of suitability? Attend this session and find out!

trends and transFormatIons In dIsaBIlIty InCome InsuranCeMary Ellen Breault, Connecticut Insurance Department Winthrop Cashdollar, AHIP Mary Ann Mason, Virginia Bureau of Insurance Mark Murphy, Custom Disability Solutions

What are the newest DI riders? What issues and challenges are arising in state capitals and Washington, DC? Will the looming financial and administrative challenges facing the Social Security Disability Insurance program bring changes to the disability income insurance industry? Get the most current information about how to keep your company’s products compliant and competitive.

ComplIanCe potpourrI—erm, orsa, solvenCy II, and Catastrophes For all lInesChris Greene, Canal Insurance Company Bill Harrington, Ohio Insurance Department Eric Nordman, NAIC

What are ERM, ORSA, and Solvency II, and what do all these new acronyms mean to the insurance industry? Did you know catastrophes impact more than just property and casualty lines? Come to this session to learn what you need to know about these topics.

vIeW From the top: lhaEric Cioppa, Maine Bureau of Insurance Ann Melissa Dowling, Connecticut Insurance Department Justin Durrance, Georgia Department of Insurance John Franchini, New Mexico Department of Insurance Scott Kipper, Nevada Division of Insurance Ted Nickel, Wisconsin Office of the Commissioner of Insurance Danny Saenz, Texas Department of Insurance Roger Sevigny, New Hampshire Insurance Department

Always one of the most anticipated sessions at the Annual Conference, during the “View from the Top Session” a panel of Insurance Commissioners will discuss recent changes at the state level and the trends on both the state and federal level that shape the future of insurance. Specific topics that you would like to see addressed may be submitted through the Conference website. The topics of greatest interest to our attendees will be presented to the panel for discussion.

ComplIanCe ConneCtIons For p&CNeed to build or enhance your professional network? This session gives attendees the opportunity to identify others in your area of business and most importantly—meet them! At Compliance Connections, you will find tables labeled by line of business or hot topic—find one that interests you and meet others there. Don’t forget your business cards!

dealInG WIth doI Crossed sIGnalsGeorge Bradner, Connecticut Insurance Department Edward Charbonnier, Massachusetts Division of Insurance Sider Esquibel, New Mexico Department of Insurance Richard Koon, Florida Office of Insurance Regulation Steve Manders, Georgia Department of Insurance Jim Newins, Kansas Insurance Department

What do you do when different regulators from the same department of insurance give you conflicting directions? Don’t panic. Keep calm. Attend this session, where you will receive advice, guidance and insight from a panel of six DOI regulators. Real life examples will be reviewed and discussed, and plenty of time will be allotted for audience questions and comments. At the end of the session, attendees will be able to identify effective strategies they can use when faced with inconsistencies.

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rate FIlInGs 101Mark Brannon, Merlinos & Associates, Inc. J’ne Byckovski, Texas Department of Insurance

Are you new to rate filing? Or do you need a quick crash course to hone your skills? If so, this session can help you better understand rates and the processes for an approval with the state insurance departments. Find out exciting new ways to effectively submit your filing—correctly. Have questions? Need answers? We might have your solution.

operatIonal ComplIanCe: CreatInG a partnershIp oF rIsK mItIGatIonLisa Cooper, Nationwide Insurance Greg Jordan, Nationwide Insurance Yvette Knott, Nationwide Insurance Scott Whitaker, Nationwide Insurance

With the ever-changing fluctuation of our industry regulatory requirements, speed to market initiatives and the “do more with less” mentality, how do you mitigate risk at the operation level? Come experience as we demonstrate a partnership of risk mitigation with internal audit, operations and compliance. This session covers both L&A and P&C.

hot topICs on healthCare reFormTom Carswell, Georgia Department of InsuranceKatrina Daniel, Texas Department of Insurance John Franchini, New Mexico Department of InsuranceSusan Kalmus, AXIS Global Insurance Guenther Ruch, Independent Consultant

This session is a “must attend” for those that want to hear about the impact of the recent Supreme Court ruling on insurers on both a state and federal level basis. Hot topics will also include a Q&A for the attendees to discuss questions and concerns in more detail. Please send in your questions online for this session in time for the panelists to include a response in their presentation.

e-advertIsInG: ComplIanCe In CyBerspaCeStephanie Duchene, SNR Denton Beth O’Quin, Louisiana Department of Insurance John Palmer, First Consulting & Administration, Inc.

Welcome to the world of advertising, found in websites, blogs and social networking. Join in a discussion of the challenges and opportunities in today’s technology in the rapidly changing world of social media, websites and mobile communication; going viral and getting viruses; legal and regulatory issues that face advertising.

the Full dIsClosure: naIC annuIty dIsClosure modelCailie Currin, Currin Compliance Services, LLC Jim Mumford, Iowa Insurance Division

Join us for a look at the requirements for disclosure and illustrations under the new NAIC Annuity Disclosure and Illustration Model Regulation. There will be specific discussion on illustration requirements, including what is and isn’t considered an illustration. What will regulators be looking for in illustrations and what information must be included in disclosures. How will these new requirements affect your agent force when providing customers with sales presentations?

ComplIanCe Issues For tItle InsuranCe CompanIesLee Barclay, Washington State Office of the Commissioner Joe Bieniek, First Consulting & Administration, Inc. Woody Girion, Fidelity National Group Daniel Wold, Old Republic National Title Insurance

With all of the national attention given to title insurance over the past decade, this session will address what seem to be the major areas of focus, and how title insurers can best respond to state and federal concerns. You can expect a discussion of issues of cross-state sales, compliance with title plant laws for those states that have that requirement, not using title insurance to cover property insurance or liability insurance exposures, prompt responses to policyholders who have claims or disputes, pricing issues, and rebating.

CredIt sCorInG: the ultImate panelLinda Gonzales, Louisiana Department of Insurance Sonya Larkin-Thorne, NAIC Funded Consumer Representative Eric Nordman, NAIC

Credit scoring continues to be a hot topic in many states and state regulation of its use can have a significant impact on your business operations. This mixed panel of regulator, industry and consumer representative experts will explain why this issue is receiving as much attention now as it ever has even though federal issues have stolen the headlines. This is a must attend for compliance professionals in the personal lines business.

Iso For aICp®Mark Smith, ISO

This session will provide a detailed look at some of the tools available on ISO’s website to help AICP® members do your jobs better! This will include the ISO Policy Writing Support Forms—Legislative Monitoring Database—the FIRST forms system, a guide to ISO Circulars and recent enhancements to the ISO State Filing Handbook.

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serFF Issues: What you don’t KnoW!Betty Dabrowski, McHugh Consulting Resources, Inc. Brandy Woltkamp, SERFF

SERFF representatives will tell you things you may not know about SERFF—but probably should! What are the most prevalent mistakes in filing? What future SERFF changes are coming and what will their impacts be? What is the most underused feature on SERFF? Come to this session to find out!

ComplyInG WIth the ever-ChanGInG landsCape oF soCIal medIaAlex Gardine, Thomson Reuters Governance, Risk and Compliance Randy Helder, NAIC Jason Lapham, Kansas Insurance Department Jennifer Sourk, Kansas Insurance Department

The landscape of social media law and regulation continues to evolve with new recommendations focused on insurance companies. Join a panel of experts, including a NAIC representative, who will provide you with critical information to help bring your company into compliance.

the path to approvalTom Carswell, Georgia Department of Insurance Sean Cox, First Consulting & Administration, Inc. Dan Honey, Arkansas Insurance Department Jason Lapham, Kansas Insurance Department Beth O’Quin, Louisiana Department of Insurance

This session will include a frank discussion of the issues that arise during the product approval process. It will cover consistencies and inconsistencies from both the industry and regulator side.

unClaImed property: lessons learnedMike Honeck, Wisconsin Office of Commissioner of Insurance Kathy Moyer, Moyer Osibodu Consulting Ralph Spaulding, Hinman Straub P.C.

How are companies handling their unclaimed property issues? This session is a “must go to” session to learn about the best approach to establish steps and procedures to put in place based on the results of market conduct exams, state insurance regulations, such as those in New York, and examples of cases from state comptrollers and Attorney General investigations.

InnovatIon & unIntended ConseQuenCes: perIlous path to CrItICal Illness produCt developmentSusan Coulter, Coulter & Associates, Inc. Stacy Koron, First Consulting & Administration, Inc. LLC Dave Simon, CRS Solutions Group, LLC Michael Weilant, MillimanPPACA has spurred the growth of Critical Illness/Specified Disease products. Companies are striving to design products that meet consumers needs and that can stand out in an ever growing marketplace. However, the very “bells and whistles” that make your product unique can be the cause of a very difficult approval process. This session will give you some background on the history of the product, its latest innovations, and will help you avoid the filing pitfalls in getting your products approved.

WorKers’ CompensatIon: reGulatory trends From the trenChesPeter Burton, National Council on Compensation Insurance Nancy Moore, Texas Department of Insurance Eric Nordman, NAIC James Stephens, Illinois Department of InsuranceJoin us for an opportunity to listen to Workers’ Compensation regulatory and industry experts examine national trends in Workers’ Compensation and discuss the likely impacts to insurers writing this line of business. Panelists will also examine current state based changes and focus on helping compliance professionals in the workers’ compensation community anticipate “what happens next.”

exCess and surplus lInes marKet: What’s happenInG that mIGht Keep youup all nIGhtPhilip Ballinger, Surplus Line Stamping Office of Texas Fred Karlinsky, Colodny, Fass, Talenfeld, Karlinsky, Abate & Webb, P.A. Robert Mack, North Carolina Department of InsuranceSurplus lines offer a defined set of legal and compliance challenges involving both federal and state law. This session will involve an advanced discussion about a number of the emerging issues facing the surplus lines market. It will also provide an in-depth review of up-to-date federal developments, the FIO, state implementation of the NRRA, a number of challenging issues facing the industry, and how best to handle these ever evolving changes.

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FIlInG reQuIrements and Best praCtICesLee Barclay, Washington State Office of the Insurance Commissioner Steve Manders, Georgia Department of Insurance Jim Newins, Kansas Insurance Department Rebecca Nichols, Virginia Bureau of Insurance

Regulators will discuss pertinent filing requirements and best practices for industry to follow when making a filing and will share common industry mistakes to avoid. A must-attend session for those new to filings, or for those who are interested in learning more about how to successfully navigate through a challenging filing in a tough regulatory environment.

FIlInG rules In puerto rICoRuben Gely Rodriguez, Oficina del Comisionado de Seguros de Puerto Rico

Are you eager to learn more about doing business in the Commonwealth of Puerto Rico? Ruben Gely Rodriguez, Director of the International Insurance Center, will give an overview of basic filing rules and requirements in order to make a successful filing in the Commonwealth.

the Future oF InsuranCe reGulatIonKathy Donovan, Wolters Kluwer Financial Services Peg Ising, Nelson, Levine De Luca & Horst Scott Kipper, Nevada Division of Insurance

The Federal Insurance Office was created in July, 2010. Learn what experts have to say about the FIO’s future role in monitoring the insurance business and the continued role of State regulators. And just maybe we’ll be able to discuss the FIO’s highly-anticipated report on modernization of insurance regulation!

to FIne or not to FIne: Current marKet ConduCt IssuesBernd Breitenbach, The Guardian Life Insurance Company of America Cheryl Davis, Nationwide Insurance Kathy Donovan, Wolters Kluwer Financial Services Pam O’Connell, California Department of Insurance Jennifer Sourk, Kansas Insurance Department

This session will discuss the issues and trends that companies are identifying in their current market conduct experience. Everything from complaint analysis and general compliance trends to regulatory exams will be discussed by the panelists from both the company and regulator perspective.

mICro-marKets For anCIllary InsuranCe produCtsJan Graeber,Texas Department of Insurance Ted Hamby, North Carolina Department of Insurance Chris Petersen, Morris, Manning & Martin, LLP

In the ever-changing world of healthcare reform, how have these ancillary products, such as dental, vision, and prescription drug insurance, adapted to the market? Come see what changes have been made, and what changes are still needed to keep these important products current with today’s consumer needs.

the Future Is here: IIprC todayDave Morris, IIPRC John Palmer, First Consulting & Administration, Inc. Karen Schutter, IIPRC

This session targets the experienced user. We will discuss those issues where the Compact and Market Conduct meet. We are looking for the issues that have puzzled you. This session will also include the latest updates on new product standards and Compact activities.

meet your p&C Industry reGulator roundtaBleCT, FL, GA, ID, IL, KS, LA, MA, MO, MS, NM, NH, NY, PR, TX, VA, WAThe Regulator Roundtable session is set up for you to meet several regulators and ask questions in a group setting. There are multiple regulators in the room and you will be able to rotate to each regulator. This is a great opportunity to talk about issues within the state and share ideas in a small setting with various regulators.

navIGatInG your Journey throuGh marKet ConduCt examsLeslie Krier, Washington State Office of the Insurance Commissioner Dawn Murphy, The Hanover Insurance Group Denise Tessier, Wolters Kluwer Financial Services Elizabeth Tosaris, Locke Lord

Leading the company through a market conduct exam is a complex task, requiring great skill on the part of the exam coordinator. Just as ocean navigation is dependent on the ship’s captain having a good working knowledge of the position of the stars, the success of a market conduct exam is reliant on your understanding of the market regulation universe, as well as the use of key navigational tools. In this session, we will sail through the course of a market conduct examination, from the time the voyage kicks off with a formal request, through the sea of questions and document requests. We will discuss techniques and tools for negotiating choppy waters, and provide tips for docking smoothly into a positive Final Report. Don’t be left in port—come aboard for this session!

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What’s WIth all thIs Insurer ratInG and oversIGht?Eric Cioppa, Maine Bureau of Insurance Kenneth A. Frino, AM Best Joseph Petrelli, Demotech

Headlines read: “A.M. Best Downgrades Insurer’s Rating” and “Moody’s Downgrades Insurer’s Investment Portfolio.” Regulators examine insurers for insolvency and market conduct purposes. What are insurer ratings? Why are they important to the industry and to consumers? Why even bother to assign “scores” to insurers? In this session you will hear what insurer attributes/operations are rated; how a rate is created and what the rate is supposed to tell us; who are the target users and what do they do with the rate; and what is the role of compliance decisions/operations to an insurer’s rate?

ConFIdentIalIty ConCerns For CompanIesRich Fidei, Colodny, Fass, Talenfeld, Karlinsky, Abate & Webb, P.A.

In the ever-changing world of e-commerce, telemetrics, Facebook and Twitter, what should you know about privacy and record retention laws? This session will discuss what is confidential and what isn’t and how to protect your company.

meet your l/h/a Industry reGulator roundtaBleCT, ID, IIPRC, MA, NE, PA, PR, TX, VA, WIThe Regulator Roundtable session is set up for you to meet several regulators and ask questions in a group setting. There are multiple regulators in the room, and you will be able to rotate to each regulator. This is a great opportunity to talk about issues within the state and share ideas in a small setting with various regulators.

varIaBle produCts: lessons For ComplIanCeLisa Cooper, Nationwide Insurance Michael DeWitt, Law Firm Nelson, Levine, DeLuca & Horst Jan Graeber, Texas Department of Insurance

The growth of variable annuities and life insurance products has exploded. These products combine insurance and securities investments and require a significant amount of compliance maintenance. This session will explore the fundamentals of maintaining a separate account compliance program under Rule 38a-1, including the regulatory framework, annual prospectus reviews and processing variable transactions.

Insurer reportInG and notICe reQuIrementsMark Smith, ISO

2012 continues to see an increase in many insurer notification and insurer reporting requirements, including claims reporting, cancellation and non-renewal reporting, state data calls and other compliance reporting requirements. Get a full report of all state requirements and hear how to manage the various requirements going forward (includes a detailed matrix of requirements as well as copies of statutes).

antI-Fraud: What you don’t KnoW Can hurt you!!Kelly Cruz-Brown, Carlton Fields Gary Heuer, New Jersey Department of Banking and Insurance Paige Waters, Locke Lord

2012 has been another hot year for Anti-Fraud legislation and action. This panel will discuss anti-fraud issues on a nationwide basis as well as addressing issues relating to Auto PIP.

the moBIle GloBal Insured: do you KnoW What you need to KnoW aBout multI-state rIsKs?Betty Branum, Virginia Bureau of Insurance Cynthia Burleson, American Management Corporation Amy Lambrecht, Idaho Department of Insurance Timothy Stalker, Stalker Vogrin Bracken & Frimet John Wells, Mississippi Insurance Department

Does the insured’s domicile matter the same way it used to now that companies do business in multiple states or even countrywide or on a global basis? Is it enough that the product you deliver complies with the insured’s state of domicile? What if a claim or action arises in a state whose laws are contrary to those of the domicile state? Should you be attaching multiple amendatory endorsements? Come here about these issues and best practices for compliance.

CalIFornIa hot topICsRandall Doctor, Barger & Wolen Timothy Moroney, Barger & Wolen Pam O’Connell, California Department of Insurance

California traditionally is ahead of the crowd with new regulations and issues that have a major impact on how your company does business. What are the hot topics of interest to regulators in this important state? What recent actions may impact your company and how it operates? Find out what the hot topics are that will affect life, health, annuity, and property & casualty business in the coming year.

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Call Center ComplIanCe and ComplaInt handlInGRobin Bogdanich, Esurance Robin Clover, Fireman’s Fund Mark LeMaster, Safe Auto Insurance Company Angela Nelson, Missouri Department of Insurance

In the ever-expanding world of electronic commerce, how do insurance company call centers best serve their customers? How do they serve customers who are not computer savvy? Want to find out? Sign up for this session when you register for the conference!

leadInG WIth lauGhterMalcom Kusher, Malcolm Kushner & Associates

Learn how to use humor effectively in your presentations, meetings and negotiations. This session outlines definite steps and techniques for getting in touch with the lighter side of business communication. Have you ever had a PowerPoint crash during a presentation or dropped your notes just before a speech to a room full of executives? Then this presentation needs to be on your schedule.

reportInG: metrICs and Best praCtICesKathy Donovan, Wolters Kluwer Financial Services

Annual reports and new reporting requirements post Affordable Care Act (ACA). This session will include information on other compliance and financial reporting requirements, such as annual reports and new claims, fraud, or experience reporting post ACA.

lha hot topICsPeter Camacci, Pennsylvania Insurance Department Thomas Carswell, Georgia Department of Insurance Katrina Daniel, Texas Department of Insurance Dan Honey, Arkansas Insurance Department Jason Lapham, Kansas Insurance Department

A panel of regulators will discuss how their states are currently handling issues that are important to the Life, Health & Annuities industry. Attend this session to also learn what regulators believe will be hot topics between now and next year’s conference!

InnovatInG Beyond old modelsJan Graeber, Texas Department of Insurance Mark E. Griffin, Davis & Harman, LLP Karen Schutter, IIPRC

The insurance world is drastically changing—new regulations and federal reform are leading the way for new innovative products to emerge. Come see what new innovative products are on the horizon and what new programs might be out there to help you implement them.

meet your p&C Industry reGulator roundtaBleCA, CT, ID, IL, GA, KS, LA, MA, MO, MS, NC, NH, NM, NY, PR, TX, VA, WA

The Regulator Roundtable session is set up for you to meet several regulators and ask questions in a group setting. There are multiple regulators in the room, and you will be able to rotate to each regulator. This is a great opportunity to talk about issues within the state and share ideas in a small setting with various regulators.

CertIFICates oF InsuranCe: avoIdInG the mIneFIeld oF mIsuseLouis Castoria, Wilson, Elser, Moskowitz, Edelman & Dicker, LLP John Gatlin, Illinois Department of Insurance Ann Henstrand, ACORD Mark Smith, ISO

Certificates of Insurance have come under fire from a number of states and court decisions. What had been routine use in the past can no longer be “routine”. This session will examine the role of certificates including how they were used in the past, the current regulatory actions regarding usage and their role in master policies. Yet as their usage is increasing (even homeowners are encouraged to get certificates from contractors prior to any work being done in their homes) so is regulatory and court scrutiny. What’s a company and/or agent to do to remain compliant and avoid adverse court decisions? Come to this session and find out.

oops! mIstaKes: they happen!Patrick Reeder, Esq., Genworth Financial

Every day rules, laws, regulations, industry standards, or internal policies are unintentionally broken. What separates companies, their advisors and leaders is how they react to the mistakes. In this session, attendees will work through several interactive case studies to learn how to help them handle mistakes by identifying them, scoping them, solving them, admitting them, and preventing them.

InsuranCe ComplIanCe: a looK Into the FutureBernd Breitenbach, The Guardian Life Insurance Company of America Pam Ewing, Wolters Kluwer Financial Services Robert Panah, Noble Consulting Services, Inc.

Within the past 40 years we’ve seen an increase in technology in the insurance business. Where will the next 30 years take us, and what should the compliance professional be ready for in his career?

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meet your l/h/a Industry reGulator roundtaBleCA, CT, ID, IIPRC, KS, NE, PR, TX, VA, WI

The Regulator Roundtable session is set up for you to meet several regulators and ask questions in a group setting. There are multiple regulators in the room, and you will be able to rotate to each regulator. This is a great opportunity to talk about issues within the state and share ideas in a small setting with various regulators.

Where are We noW? antI-money launderInG (aml)Gary Heuer, New Jersey Department of Banking and Insurance Patrick Lightcap, FinCEN

Come to this session to hear about lessons learned about AML from company efforts, their findings, and from completed audits. What can your company expect when going through an audit? Specific examples and findings will be discussed

eBIndInG: Is there a ComplIanCe app For that?Robin Bogdanich, Esurance Linda Gonzales, Louisiana Department of Insurance Jo LeDuc, Wisconsin Office of the Commissioner of Insurance Mark LeMaster, Safe Auto Insurance Company

In the current digital age, things move at the speed of light. As insurers move to binding, issuing, and servicing policies online, is your compliance strategy going to be left in the dark ages? Attend this session to learn what compliance issues you need to think about to change your compliance sword into a light saber.

hot topICs For p&CLee Barclay, Washington State Office of the Insurance Commissioner George Bradner, Connecticut Insurance Department Edward Charbonnier, Massachusetts Division of Insurance Richard Koon, Florida Office of Insurance Regulation Steve Manders, Georgia Department of Insurance John Wells, Mississippi Insurance Department

This panel of regulators will discuss how their states are currently handling issues that are important to the Property & Casualty industry. Attend this session to also learn what regulators believe will be hot topics between now and next year’s conference!

trends oF non-ComplIanCe and esCalatIons: do you deal WIth “lIFers”?William Lacy, Arkansas Insurance Department Christine Palmieri, Travelers Kurt Swan, Connecticut Insurance Department Scott Whitaker, Nationwide Insurance

Are you dealing with “lifers”—those individuals or business units that continue to be out of compliance? Do you know who they are? Can you document a trend? Do you spend a lot of time dealing with the same individuals? During this session you will discuss how to best identify, report and document a resolution. In addition, you will learn methods for documenting and following up to monitor performance. You will also learn methods for documenting information that could result in progressive discipline actions toward a producer or business unit.

reGulator relatIonshIps: ensurInG meanInGFul InteraCtIonsKim Kennedy-Gillette, Travelers Leslie Krier, Washington State Office of the Insurance Commissioner

Ever feel like you could use a tip or two when it comes to how to approach a regulator? Come hear from an experienced industry representative and a seasoned regulator some practical do’s & don’ts that will help you more effectively handle that next filing or market conduct issue.

ethICs! WIth a ComplIanCe slantRich Berthelsen, The Institutes Earnest Broughton, St. Mary’s University Dan Honey, Arkansas Insurance Department Jennifer Sourk, Kansas Insurance Department

All insurance industry-licensed occupations include a study of ethics in their continuing education. As compliance professionals and members of the Association of Insurance Compliance Professionals™, we talk about ethics and being ethical. Well, it is time that we walk our talk. Here is the Association’s first-ever ethics session for compliance professionals! The session will cover what are ethics for the compliance professional and to what standard(s) are we held. Case studies will be presented and discussed. This should be the most attended session by our attendees (despite the fact that states will be asked to provide CE credits for ethics).

hIpaa audIts: What to do IF you Get the CallBob Chaput, Clearwater Compliance, LLC Mary Chaput, Clearwater Compliance, LLC

The list of entities open to HIPAA Audits begin with “payors” or insurers. Do you know what your company should do to prepare for a HIPAA Audit? This session will give an overview of the requirements of a HIPAA Audit, review audit results and enforcement for completed audits over the past few years, and present the actions your company should take now.

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hoW the Irs and dol ImpaCt IndIvIdual produCtsMark E. Griffin, Davis & Harman, LLP Michael L. Hadley, Davis & Harman, LLP

Are you wondering how the new Department of Labor fee disclosure requirements under sections 404(a) and 408(b)(2) impact your business? Are you struggling with annuity contract maturity questions? This session will focus on how the Internal Revenue Service and Department of Labor affect our products, some pitfalls to avoid, and what options may be available to correct errors when they occur.

harnessInG the poWer oF rIsK retentIon and purChasInG GroupsSider Esquibel, New Mexico Insurance Department William Lacy, Arkansas Insurance Department Elizabeth Sandza, Wilson Elser Moskowitz Edelman & Dicker LLP

Risk Retention or Purchasing Groups (RRGs or RPGs) are powerful alternatives to traditional insurance companies. Formed under The Federal Liability Risk Retention Act of 1986, RRGs and RPGs allow members who engage in similar or related business or activities to write liability insurance, or purchase insurance, to cover exposures of its members. RRGs and RPGs flex their muscle with strong policy terms and conditions, released from the shackles of multiple state filing and licensing requirements. Members also may hold tight control over claim, risk, and litigation management issues. Join us to learn more about what sparks the need for these organizations, and how regulation both fuels and contains RRG/RPG growth and development. We will review the basic structures and laws creating the entities, as well as talk about their pros, cons, and special legal and compliance considerations.

What you need to KnoW aBout antI-Fraud ComplIanCe Issues to assure your Company Is ComplIantLou Beniamino, GlobalOptions, Inc. Dennis Pompa, GlobalOptions, Inc. Jack Scott, GlobalOptions, Inc. Frederick Wharton, North American Training Group

This session is designed to increase the compliance professionals’ awareness of current anti-fraud statutes and regulations affecting all lines of business nationally for both L&H and P&C. Unlike other segments of compliance, the anti-fraud area is generally administered by the state regulator’s fraud or law enforcement unit. This can lead to issues, terminology and interpretations that are specific to insurance fraud investigations. The goal of this session is to leave the attendee with a workable knowledge and the resources to ascertain whether his company is anti-fraud compliant.

tIGhtenInG Belts: eFFeCts oF state FInanCIal CrIses on InsuranCe reGulatIonAnn Frohman, Frohman Law Office, LLC

This session offers an illuminating discussion on the “state” of State DOIs including the impact of the states’ financial crisis on staffing and resources, as well as filings and market conduct functions. The session will conclude with a discussion of concerns that the industry has as a result of “tightening belts.”

data BreaCh: Is your Company ready For the Worst?John Mullen, Esq., Nelson, Levine, deLuca and Hamilton

When a data breach occurs, the privacy of your customers and the reputation and financial stability of your organization are all at risk. This session will cover what to do to when a breach occurs, and more importantly, before a breach occurs. Plan to attend this session on this increasingly important topic!

medICare supplement: do these produCts stIll FIt Into the healthCare puzzle?T. Scott Bentley, Milliman Mary Ellen Breault, Connecticut Insurance Department Mary Ann Mason, Virginia Bureau of Insurance Guenther Ruch, Independent Consultant

What are the current issues? How has healthcare reform impacted this segment of the insurance market? What changes will be needed to stay competitive? This session will gather a panel of experts to answer these questions and to help you understand how Medicare Supplement will continue to fit into the new healthcare puzzle.

uCaa: thIs Is not amateur athletICsJane Barr, NAIC Susan Coulter, Coulter & Associates, Inc. Jeff Hunt, Texas Department of Insurance

How are mergers and acquisitions changing the face of the insurance industry as Wall Street begins to regain its footing? What are the current trends and how are the states regulating these changes? Come to this session to get a comprehensive look at the complicated world of mergers and acquisitions.

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Catastrophe preparedness: anChored doWn or Get CauGht In the eye oF a tornado?

George Bradner, Connecticut Insurance Department Robert Mack, North Carolina Department of Insurance John Wells, Mississippi Department of Insurance

While catastrophes are very unpredictable and many times sudden, proper planning can allow for “peace of mind” when the sirens alarm. Is the anchor down or will you “blow away” if a catastrophe hits one of your buildings or locations where you have staff? Proper and efficient responses to claims are extremely important. Once a catastrophe settles, will you be facing bad faith claims or litigation or on the beach relaxing? Be prepared—“liquid” impact can cause more destruction than a catastrophe if proper planning has not been completed and monitored. Attend this session so we can join together in preparedness for ourselves, our companies and our policyholders.

Brand yourselF!David Allen Kelly, Continental American Insurance Company/AFLAC

Brand yourself? Why not...your company does it! This session provides insight into how to make yourself more valuable to your employer. Be prepared as this session is interactive!

selF-reportInG: the pro’s and Con’sLisa Brown, American Insurance Association Stephanie Duchene, SNR Denton Angela Nelson, Missouri Department of Insurance Pam O’Connell, California Department of Insurance

To report or not to report. If you’ve contemplated this question when addressing self audit findings that have resulted in policyholder or claimant restitution, this session is for you. Listen to a panel of regulator and legal experts discuss the potential implications of reporting or not reporting.

the marKet reGulatIon handBooKCheryl Davis, Nationwide Insurance Company Randy Helder, NAIC Jo LeDuc, Wisconsin Office of the Commissioner of Insurance Charles Vanasdalan, New Hampshire Insurance Department

What is it and from where did it come? Why do we need it? What are its uses? How can an insurer use it to develop an internal compliance program? A “must attend” for those who are involved with the market conduct function at their companies.

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EXHIBITORSamerICan assoCIatIon oF InsuranCe servICes (aaIs)

amerICa’s health InsuranCe plan (ahIp)

attus teChnoloGIes

BFC InteGrated prInt manaGement

Cedar doCument teChnoloGIes

Clear marKet praCtICes

ComplIanCe assuranCe CorporatIon

ComplIanCe researCh servICes

Coulter & assoCIates

CurrIn ComplIanCe servICes

edWards WIldman palmer

FIrst ConsultInG and admInIstratIon

GloBaloptIons

Iso

lexIsnexIs

madIson ConsultInG Group

martIn & Company

mChuGh ConsultInG resourCes

mIB Cross CheCK

naIC-serFF

north amerICan traInInG Group

perr & KnIGht

r&Q reInsuranCe solutIons llC

red oaK ComplIanCe solutIons

saI GloBal ComplIanCe

soCIety oF Corporate ComplIanCe and ethICs (sCCe)

straIt & assoCIates, llC

thomson reuters

thomson reuters aCCelus (World-CheCK)

Westmont assoCIates

Wolters KluWer FInanCIal servICes

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EXHIBITORS

aaIs (amerICan assoCIatIon oF InsuranCe servICes)1745 S. Naperville Road Wheaton, IL 60189 630-681-8347 Fax: 630-681-8356 E-mail: kristink@aaisonline.com

Products / Services: More than 600 carriers nationwide use AAIS policy forms and manuals. Product support includes compliance, actuarial, product development, and statistical reporting. For AAIS members, our staff will make SERFF filings of AAIS-based or independently developed programs or audit a company’s state filings. AAIS is the only advisory organization to file forms on behalf of members for the non-filed inland marine classes. AAIS has recently expanded services for compliance professionals who are not AAIS affiliates, to include SERFF filings of independently developed forms, rules and rates. AAIS will also review programs and update them to meet state requirements. The State Filings Guide, a comprehensive resource of the latest filing requirements, is free to AAIS members and available to non-members for a nominal charge. AAIS makes nearly 2,000 filings each year. Rely on the expertise of the AAIS staff to make your filings using SERFF and get your products to market faster.

ahIp601 Pennsylvania Avenue, NW, Suite 500 Washington, DC 20004 202-861-1465 Fax: 202-861-6354 E-mail: lcanaley@ahip.org

Products / Services: AHIP’s Center for Insurance Education and Professional Development - Where Professionals Learn the Industry America’s Health Insurance Plans (AHIP) is a national association representing nearly 1,300 member companies providing health insurance coverage to more than 200 million Americans. Our member companies offer medical insurance, long-term care insurance, disability income insurance, dental insurance, supplemental insurance, stop-loss insurance and reinsurance to consumers, employers and public purchasers. The AHIP Center for Insurance Education and Professional Development has offered educational programs to tens of thousands of professional for more than 50 years. Whether you’re just entering the field or brushing up on your skills, the Center offers educational programs to meet your needs. With more contact online and expanded course offerings, the Center will help you learn, achieve, and succeed.

attus teChnoloGIes, InC.13860 Ballantyne Corporate Place, Suite 200 Charlotte, NC 28277 888-494-8449 ext. 17281 Fax: 704-542-8788 E-mail: tsharpe@attustech.com\

Products / Services: ATTUS Technologies, Inc. is an industry leader in software and services for regulatory compliance, homeland security and fraud prevention. Over 3,800 financial institutions and other clients nationwide use ATTUS solutions for compliance with the requirements of GLBA, the USA PATRIOT Act, OFAC, FinCEN, BSA, and Regulation CC. For more information about ATTUS, visit www.attustech.com

BFC

1051 N. Kirk Road Atavia, IL 60510 630-262-6709 E-mail: nmackenzie@bfcprint.com

Products / Services: BFC is the developer of Material Manager. Material Manager provides a simple and intuitive web interface that allows our customers to create, control and manage their marketing communication materials. Material Manager employs the use of our EBOM (Electronic Build of Materials). The EBOM creates an online environment in which you can manage material compliance, version control, track approval history for all customer correspondence material, add items to kits, place items on compliance hold, check inventory, sequester items, and review proof of assembly. All supported with our team of IT professionals and a 120,000 square foot print production facility, BFC offers you a unique opportunity to partner with a company who not only understands the complexity and challenges that compliance presents but also a company that recognizes the importance of throughput. Our Kit Manager integrates with our print production facility to ensure secure, timely and controlled delivery of your communication materials.

Clear marKet praCtICesP.O. Box 1251 Brighton, MI 48114 877-474-3664 Fax: 810-220-7988 E-mail: info@clearreport.net

Products / Services: We provide web-based notification of changes to laws, regulations, and regulatory bulletins for Life, Health, Securities, Banks, and P/C companies. We also report Attorneys General opinions and Workers Compensation decisions, and offer tracking services to provide documentation of internal changes as they are made.

ComplIanCe assuranCe CorporatIon622 Second Avenue Pittsburgh, PA 15219 412-690-6201 E-mail: anovicki@complyfast.com

Products / Services: Compliance Assurance Corporation provides the most comprehensive enterprise governance risk and compliance software designed specifically for the insurance industry: Comply On Demand Enterprise™ (CODE™). CODE™ is the next generation of regulatory compliance solutions. No other solution provides this level of value. CODE™ is more than just a description or highlighted copy of the regulatory change, CODE™ also informs how and when to comply.

aICp Greatly appreCIates the support oF our exhIBItors and We enCouraGe you to vIsIt WIth eaCh Company

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EXHIBITORSComplIanCe researCh servICes, llC10921 Reed Hartman Highway, Suite 334 Cincinnati, OH 45242 513-984-6050 Fax: 513-984-7212 E-mail: nfrench@crssolutionsgroup.com

Products / Services: Compliance Research Services, LLC. provides drafting and filing services for a wide range of Life & Health and P & C product lines. We also provide training services as well as custom research on issues related to filing requirements and policy compliance.

Coulter & assoCIates, InC.379 Princeton-Hightstown Road, Suite 15 Cranbury, NJ 08512 609-443-7540 Fax: 609-443-4103 E-mail: susan@coulter-and-associates.com

Products / Services: Coulter & Associates has provided comprehensive expert compliance and actuarial consulting services nationwide since 1988. Coulter’s compliance professionals provide the precise level of support you need for product development, form, rate and advertising filings, state admissions, ongoing compliance and regulatory review. Coulter’s professional consultants are experienced in a wide range of product areas including managed care, senior market, life, accident & health, and property & casualty lines of business.

A single source solution to the large and small insurance company, count on Coulter to expand your marketplace and bring innovative products to market, anticipate and respond to changing regulatory requirements. Coulter’s contract and compliance consultants work seamlessly with your company to help on a single project basis or in a longer-term consultative capacity. We also have substantial experience with international medical insurance programs and offshore reinsurance. Contact Coulter for a no obligation one hour consultation. http://www.coulter-and-associates.com

CurrIn ComplIanCe servICes, llC14 Main Street, Suite 200 Greenwich, NY 12834 518-692-2494 Fax: 866-549-2059 E-mail: ccurrin@currincompliance.com

Products/Services: Currin Compliance Services, LLC is your insurance compliance resource. We provide guidance and expertise in all facets of compliance (e.g., advertising reviews, product filings, research projects, NY and other one-state submissions, market conduct exam preparation, etc.). We provide the highest quality of service together with a level of personal attention, versatility, and fee flexibility that larger firms cannot match. Cailie Currin is an attorney admitted in New York State and has been a New York State Insurance Department regulator, an in-house compliance attorney at a major life insurer, and a law firm partner with a practice focused exclusively on insurance compliance issues. Currin Compliance Services, LLC understands the demands of the industry and has the skills and commitment to meet them. We consistently exceed our clients’ expectations.

edWards WIldman palmer llp20 Church Street Hartford, CT 06103 860-541-7733 Fax: 860-527-4198 E-mail: eadorno@edwardswildman.com

Products / Services: Law Firm – marketing materials available.

FIrst ConsultInG & admInIstratIon, InC.1020 Central, Suite 201 Kansas City, MO 64105 816-391-2744 Fax: 816-391-2755 E-mail: john.palmer@firstconsulting.com

Products / Services: First Consulting & Administration has served the insurance industry since 1969. We Co-Source the drafting and filing of products including all types of life, annuity, long-term care, critical illness, health, property, casualty, and other insurance. First Consulting can assist in a wide range of services including product development, SERFF filings, IIPRC filings, business expansion, TPA licensing, and advertising review. First Consulting’s clients include multi-national insurers to small regional insurers, and insurance companies. Ask us about Co-Sourcing.

GloBaloptIons5955 T.G. Lee Boulevard, Suite 600 Orlando, FL 32822 888-550-4211 Fax: 407-859-0942 E-mail: svazquez@globaloptions.com

Products / Services: GlobalOptions is experienced in drafting and filing anti-fraud plans, annual anti-fraud reports, developing and conducting anti-fraud annual and new hire training programs for claims, underwriting and any personnel designated in an “Integral Anti-fraud” job description. Our GlobalCompliance program assists our clients in navigating through the myriad of anti-fraud compliance regulations by providing an experienced Compliance Team. Our program facilitates the drafting and filing of fraud plans, drafting and filing annual anti-fraud reports, conducting annual anti-fraud mandated training and providing anti-fraud staff manuals. GlobalOptions has an experienced national SIU investigative team to ensure all investigative needs are addressed. Let GlobalOptions compliance professionals assist you in your anti-fraud fighting strategies. For more information, visit www.globaloptions.com

Iso545 Washington Boulevard Jersey City, NJ 07310 201-469-2394 Fax: 201-469-4216 E-mail: cchaffee@iso.com

Products / Services: For more than 25 years, insurers have relied on the State Filing Handbook from ISO for compliance details on filing rates, rules, and forms in all jurisdictions. The handbook tells you how to make independent filings in every state and what to do in response to ISO filings. Now, ISO’s online State Filing Handbook has a new, easy-to-use format that delivers just the information you need for a particular filing.

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lexIsnexIs1000 Alderman Drive Alpharetta, GA 30005 678-694-2280 Fax: 678-694-5955 E-mail: david.lukens@lexisnexis.co

Products / Services: LexisNexis (www.lexisnexis.com) is a leading global provider of content-enabled workflow solutions designed specifically for professionals in the legal, risk management, corporate, government, law enforcement, accounting and academic markets.

madIson ConsultInG Group, InC.200 N. Second Street Madison, GA 30650 706-342-7750 Fax: 706-342-7775 E-mail: dana@madisoninc.com

Products / Services: Madison Consulting Group has experience in all major property/casualty lines. We provide consulting services to a wide variety of entities, including state governments, insurance departments, municipalities, insurance companies, and other public entities. Madison Consulting Group has also been involved in the determination of self-insured reserve and budget studies for various municipalities and public entities in many states. In addition, the firm maintains a statistical data collection and reporting operation that is designed to provide regulatory reporting services as well as management reporting and underwriting analysis to insurance companies and managing general agencies. Our staff has extensive experience in electronic policy issuance and statistical compliance reporting as well as accelerated data collection and reporting for companies in delinquent status.

martIn & CompanyP.O. Box 70 Edgemont, PA 19028 610-325-4455 Fax: 610-325-4405 E-mail: pmartin@martincompanyus.com

Products / Services: Martin & Company has been serving the insurance industry since 1993 and offers a wide variety of support services that includes: Competitive Filing Research, Countrywide Filing Services, Actuarial Consulting, Compliance & Regulatory, Licensing, Post-Filing Compliance and Insurance Publications

mChuGh ConsultInG resourCes, InC.2005 S. Easton Road, Suite 207 Doylestown, PA 18901 215-230-7960 Fax: 215-230-7961 E-mail: gmchugh@mchughconsulting.com

Products / Services: McHugh Consulting Resources, Inc. offers insurance compliance expertise for life and health products. We provide regulatory research, state filing, product development and company licensing services. Together with state of the art research and compliance tools, McHugh Consulting Resources can be a key resource to servicing a variety of your insurance needs.

mIB Cross CheCK50 Braintree Hill Park Braintree, MA 02184 781-751-6060 E-mail: daronson@mib.com

Products / Services: MIB Cross Check Unclaimed benefits compliance is A-list for life insurers. MIB Cross Check’s dual-match methodology teams the industry’s most powerful ‘people finding’ technology (renown MIB name matching) with an SSDMF match (and other databases), giving insurers the most accurate, robust matching process available today. Cross Check provides a solution to data errors and deficiencies commonly found in audits, including: deceased insureds without SSN, transposed SSN digits, name misspellings and typos, nicknames, initials instead of complete first names, compound names and foreign name equivalents, date of birth and SSN ‘fuzzy’ matches, and much more.

Cross Check’s analytic tools include over 50 decision rules that let you efficiently and effectively sort and parse ‘close-match’ records, so you can rapidly determine which cases to rule in or out. Visit us at Booth 28 to see why MIB Cross Check puts so many life insurers ahead of the curve on unclaimed benefits compliance.

naIC – serFF – system For eleCtronIC rate and Form FIlInG1100 Walnut Street, Suite 1500 Kansas City, MO 64106 816-783-8744 Fax: 816-460-7625 E-mail: bwoltkamp@naic.org

Products / Services: SERFF – System for Electronic Rate and Form Filing

north amerICan traInInG Group1293 Beacon Circle Wellington, FL 33414 561-244-5422 Fax: 561-282-6969 E-mail: fwharton@fraudeducation.com

Products / Services: North American Training Group (NATG) is the leader in Compliance Fraud Training. NATG offers Insurance Professionals quality and in depth training on the subject of insurance fraud and insurance investigations. Our training center provides training for all lines of insurance and for all different department personal. We customize courses for our clients exact needs. We make insurance fraud training easy and convenient, whether online, or on location, with our customized annual and new hire training courses. NATG specializes in: Annual & New Hire Fraud Compliance Training, Adjuster Continuing Education, Broker & Agent Continuing Education, Private Investigator Continuing Education, and General Insurance Fraud Training. www.fraudeducation.com

EXHIBITORS

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perr & KnIGht, InC.3 Second Street, Plaza 10, Suite 802 Jersey City, NJ 02311 201-963-1550 Fax: 201-963-1558 E-mail: dferdico@perrknight.com

Products / Services: Perr & Knight offers a complete array of actuarial consulting, regulatory compliance, competitive intelligence, and BPO services in all states and for all lines of business.

polsInellI shuGhart pC6201 College Boulevard, Suite 500 Overland Park, KS 66211 913-234-7271 Fax: 913-451-6205 E-mail: josborn@polsinelli.com

Products / Services: Polsinelli Shughart PC assists the insurance industry with corporate transactions, business needs, and various compliance and regulatory legal issues across the country, understanding their unique needs on matters involving state insurance departments, state Attorneys General, and other state and federal regulatory agencies. We provide legal services to insurers and HMOs, agencies, agents, adjusters, TPAs, PBMs, discount medical plan organizations, and work with our health care group with respect to ACOs and similar organizations.

r&Q solutIons llCTwo Logan Square, Suite 600 Philadelphia, PA 19103 267-675-3348 Fax: 267-675-3411 E-mail: desiree.mecca@rq-solutions.com

Products / Services: R&Q Solutions specializes in providing comprehensive outsourcing and run-off administration, exit solutions, technology and consulting services to the worldwide insurance market.

red oaK ComplIanCe solutIons llC1406 E. Main Street, Suite 200 #253 Fredericksburg, TX 78624 512-789-2482 Fax: 888-302-4594 E-mail: spope@redoakcompliance.com

Products / Services: AdMaster will revolutionize your advertising compliance review process. AdMaster lets you control your advertising review process in one tool, which is easy to use and tracks every step of the submission and review process.

saI GloBal ComplIanCe3780 Mansell Road, Suite 200 Alpharetta, GA 30044 678-527-2471 E-mail: Nikki.porter@saiglobal.com

Products / Services: The original Governance, Risk and Compliance (GRC) software solutions born in the cloud, SAI Global’s Compliance 360 application brings order and efficiency to the complexity of enterprise governance, risk management, compliance and audit management. The Compliance 360 GRC Software Suite includes regulatory compliance software, policy management software, internal audit software, incident management software, ERM software and a wide variety of specialty applications. With these solutions, insurance companies reduce risks, improve efficiencies and protect their brands using a single platform to address their comprehensive GRC requirements. Compliance 360 applications help insurance companies address State and Federal regulatory mandates including State-specific market conduct exams, 3rd-party “delegated entity” compliance, management of corrective action plans, code of conduct management, NAIC Model Audit Rule, accreditation with NCQA and URAC, fraud, waste and abuse and internal audits. Compliance 360 is now a part of SAI Global.

soCIety oF Corporate ComplIanCe and ethICs6500 Barrie Road, Suite 250 Minneapolis, MN 55435 952-933-4977 Fax: 952-988-0146 E-mail: adam.turteltaub@corporatecompliance.com

Products/Services: The Society of Corporate Compliance & Ethics (SCCE) is a non-profit, cross-industry association dedicated to improving the quality of corporate governance, compliance and ethics. We serve our more than 2400 members by providing a magazine and newsletter to help you manage the latest issues. Our conferences and social network (community.corporatecompliance.org) will enable you to build out your network and learn best practices. And, the SCCE Compliance Academies provide intensive training in the essentials of managing a compliance and ethics program. They are also excellent training for obtaining the Certified Compliance and Ethics Professional (CCEP) designation. To learn more about the SCCE and how we can help, visit us at www.corporatecompliance.org.

EXHIBITORS

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EXHIBITORSthomson reuters aCCelus (World-CheCK)3 Times Square New York, NY 10036 917-470-9254 Fax: 917-591-8541 Email:bruce.ackerman@thomsonreuters.com

Products / Services: World-Check is now part of the Thomson Reuters Governance, Risk and Compliance (GRC) division and the Accelus suite of products. Thomson Reuters Accelus helps organizations of all sizes, across all sectors, to manage their risk exposure and accelerate their business at every step. World-Check services are effective at revealing risk that can be difficult to find. Solutions include AML, KYC, PEP screening, transaction monitoring and Enhanced Due Diligence. Our services include: World-Check Risk Screening – relationship screening, Country-Check – geopolitical risk ranking, IntegraScreen – enhanced due diligence, and Transwatch –customer, transaction and trading activity monitoring

Accelus offers a cost-effective, comprehensive and flexible anti money laundering and financial crime risk suite that helps to manage regulatory obligations, improve business efficiency and safeguard reputation. For more information, visit: www.world-check.com or accelus.thomsonreuters.com.

thomson reuters aCCelus610 Opperman Drive Eagan, MN 55123 651-848-6510 Email: anthony.caswell@thomsonreuters.com

Products/Services: The Thomson Reuters Accelus suite of products provides powerful tools and information that enable proactive insights, dynamic connections, and informed choices that drive overall business performance. Be proactive with Capitol Watch, by accessing pending legislation and regulation across industries. Stay informed with Compliance Advisor by viewing enacted law connected to full research capabilities. Learn more today at accelus.thomsonreuters.com.

Westmont assoCIates, InC.1763 Marlton Pike East, Suite 200 Chesterfield, NJ 08003 856-216-0220 Fax: 856-216-0303 E-mail: joe@westmontlaw.com

Products / Services: Westmont Associates is an insurance regulatory consulting firm providing Property & Casualty, Life & Health & Company licensing compliance

Wolters KluWer FInanCIal servICes6815 Saukview Drive St. Cloud, MN 56303 320-240-5631 E-mail: rita.bruggman@wolterskluwer.com

Products / Services: Wolters Kluwer Financial Services helps banking, securities, and insurance firms meet their risk and compliance needs. We enable organizations to manage regulations impacting their business and offer insightful analysis that helps them understand, comply, and reduce risks. To learn more about insurance compliance solutions we offer, please visit www.Insurance.WoltersKluwerFS.com.

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The charity is one that affects all of us in some way or another. Many may have a husband, wife, son, daughter, near or distance relative, neighbor, or an acquaintance currently serving or has served in the US Armed Forces. The Texas Honor Ride assists

our wounded military personnel, both present and past, along with their families in many different ways (i.e. golf outings, family camping, quilting, arts and crafts, horseback riding, etc.)“Over the past six years The Texas Honor Ride, a 501(c)3 charity, has raised over $640,000 for our Wounded Warriors at Brooke Army Medical Center (BAMC) in San Antonio. All funds raised go to the Warrior and Family Support Center at BAMC where the staff and counselors administer the funds. (THR is 100% volunteer!)The Brooke Army Medical Center, BAMC (pronounced ‘bam-see’) is part of the San Antonio Military Medical Center (SAMMC) located on-base, at Fort Sam Houston in San Antonio, Texas. BAMC is one of two highly specialized military trauma hospitals that serves the needs of very critically wounded soldiers. BAMC is also the US military’s burn trauma center. The doctors, specialists, staff and facilities at BAMC are among the best in the world and paid for by the US Government with our tax dollars.

Wounded troops assigned to BAMC often spend long periods of time recovering from their injuries. A majority of them spend more than one year recovering at the facility. The wounded warriors must stay (live) very close to BAMC’s 24-hour facility and staff in case complications from their injuries develop. This allows easy access for their daily doctor visits and rehabilitation requirements.BAMC physicians have discovered that, during these extended recovery periods, patients recover much faster when the patient’s primary family members can help support and encourage the warrior in their rehabilitation efforts in a non-hospital environment. This ’specific need‘ of a non-hospital environment and providing for their families to stay with them is not funded by the US Government or our tax dollars. Most find it impossible to afford the extra costs associated with this ‘specific need.’” This is where the Texas Honor Ride steps in and helps defray this extra cost to the families.You can see from the above that this organization assists in so many ways during a very trying time for wounded soldiers and their families. These men and women have given so much but have asked for so little in return.All funds generated by the Silent Auction and a Patriotic Pin sale will go directly to our charity. You can purchase your pin from any member wearing the big yellow “PIN” button.

THe TexAS HONOR RIdeaICp® has seleCted the texas honor rIde as

theIr 2012 annual ConFerenCe CharIty reCIpIent.

FUTURE MEETINGSannual ConFerenCe 2013

oCtoBer 6–9, 2013

WestIn harBour Castle

toronto, ontarIo, Canada

annual ConFerenCe 2014 septemBer 14–17, 2014

marrIott desert rIdGe

phoenIx, az

annual ConFerenCe 2015 oCtoBer 10–14, 2015

hIlton neW orleans rIversIde

neW orleans, la

annual ConFerenCe 2016 oCtoBer 2–5, 2016

the peaBody orlando

orlando, FlorIda

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floor plan

aICp Greatly appreCIates the support oF our

2012 SPONSOR ORGANIzATIONS:

platInumThomson ReutersWolters Kluwer Financial Services

patronInsurance Compliance InsightKorey Cotter Heather& Richardson LLCLexisNexisMilliman, Inc.Social Activities Committee of AICP

honereeMidwest Chapter of AICPNew England Chapter of AICPWestern Chapter of AICP

BronzeAmerican Association of Insurance ServicesCompliance Research ServicesCoulter & Associates, Inc.Custom Disability SolutionsFirst Consulting and Administration Martin & CompanyMcHugh ConsultingNorth American Training GroupNorthstar ExamsSAI Global ComplianceWestmont Associates

sIlverCurrin Compliance ServicesPerr & KnightThomson Reuters Accelus (World-Check)