GOT AN IDEA FOR A TOPIC? We're always looking for good ideas for sessions of interest to regulators. If you have one for '04, E-mail it to us now!
Like its predecessors, the Scottsdale conference featured a top-notch array of programs –
check out the details below (we'll leave '03 information up until the '04 CDS gets closer and we
begin to post details for the Denver meeting). We'll also leave up the downloadable
registration form, as well as a link so you can
request registration materials be sent to you by mail in
time to sign up for the Denver meeting. (To get a feel for the entire program, you can click
here to download a copy of the 
printed '03 program (607k PDF).
If you have a general question about CDS, please contact the '04 CDS chair, Jo LeDuc. Or click on the links below to send a message to one of this past year's seven section chairs. (After '04, future Career Development Seminars are scheduled for '05 in Tampa and '06 in Chicago.)
Career Development Sessions
The list of sessions below is for the '03 meeting in Scottsdale. Bookmark this space so you can check back as '04 details begin to become available. For the first time, we've collected handouts from many of the sessions; check below and download any of the PDFs, PowerPoint presentations or Word or Excel docs you choose.
Commissioners Roundtable
The future of federal vs. state insurance regulation was only one of the topics discussed Monday morning during the ever-popular Commissioners Roundtable. Panelists included this year's NAIC president, Mike Pickens of Arkansas, plus our host commissioner, Charles R. Cohen, Florida's Kevin McCarty, and Jann Goodpaster of Oregon, sitting in for Sandy Praeger, recently elected Kansas commissioner, who was unable to make it at the last minute. The moderator was once again Bill Bailey.
Use of Third-Party Vendors
The Tuesday morning general session covered a topic of growing interest to regulators – whether and how insurers make use of outside vendors to take on core tasks such as claims, utilization review or customer service. Is it a wise business decision or an alarming trend? Should the vendors be licensed? What access should regulators have to their records? Who really benefits from these arrangements? Panelists included consumer gadfly Birny Birnbaum, Don Cleasby of the National Association of Independent Insurers, Don Koch, CIE, of INS Regulatory Insurance Services and Mike Woolbright, CIE, of Missouri, plus moderator Art J. Chartrand.
Consumer Services Section
Contact Section Chair: Violetta R. Pinkerton, AIE
vi.pinkerton@dora.state.co.us • 303-894-2263
Complaint Ranking –
An analysis of the formulas used to compile the complaint rankings for various lines of insurance. What's fair, what's not. A review of the newer rankings such as external review reversals and coordinated rankings with other state agencies. Property-Casualty & Health
Speaker: Wayne Cotter, CIE, New YorkMold Awareness –
Learn the basics of the different types of mold and the effects that mold has on indoor air quality. How do professionals assess and test for mold and how do they control and remediate mold problems? Property-Casualty
Speaker: Mark Hodgson, LRSC, director, indoor air quality, Clayton Group ServicesImproving Consumer Services and Complaint Handling –
A look at the best practices for use in the resolution of consumer complaints as elaborated in the recently published NAIC White Paper. All Lines
Speakers: Jann L. Goodpaster, CIE, CPCU, Oregon; Violetta R. Pinkerton, AIE, CPCU, CPIW, Colorado; Bill Stevens, North Carolina; Kirk L. Yeager, CIE, CPCU, FLMI, ColoradoDisaster Preparedness –
With the importance of disaster preparedness and response rising, what should insurance departments look to include in their disaster response plans to better coordinate recovery efforts and insure a faster recovery via the claims process. All Lines
Speakers: Anita A. Knight, Knight-Star Enterprises; Eric C. Nordman, NAIC; Paul T. Orkwis, New York
Property and Casualty Section
Contact Section Chair: Barbara Fitzgerald, AIE
fitzgeraldb@insurance.ca.gov • 415-538-4229
Title Insurance vs. Mortgage Impairment/Lien Protection Insurance –
Title Insurance vs. the coverages being offered by non-title property & casualty companies. A discussion of the pros and cons of this new coverage as opposed to traditional title insurance, and a discussion of the regulatory actions taken on this matter in various states. Property-Casualty
Speakers: Hon W. Chan, senior vice president, Fidelity National Financial; Richard G. Carlston, Miller, Starr & Regalia; Howard W. Yaruss, executive vice president, Radian Group Inc.; John Stauffer, president, Title Midwest Inc.
Download:
PowerPoint handout (164kB)Market Madness – Part I –
Many states have experienced automobile, homeowner and commercial lines carriers looking to pull out of the market or reduce coverage. This session will discuss the reasons for this exodus. Property-Casualty
Speakers: Charles Breitstadt, CPCU, FLMI, CLU, ALHC, Nationwide; Eric Nordman, NAIC; Robert J. Walling III, FCAS, MAAA, Pinnacle Actuarial ResourcesMarket Madness – Part II –
Many states have experienced availability and affordability problems in the property and casualty insurance market. This session looks at what states are doing to make these coverages available and affordable, including a discussion of tier rating and alternate forms of coverage such as fair plans, reciprocals and captives. Property-Casualty
Speakers: Charles Breitstadt, CPCU, FLMI, CLU, ALHC, Nationwide; Eric Nordman, NAIC; Robert J. Walling III, FCAS, MAAA, Pinnacle Actuarial ResourcesMedical Malpractice Meltdown –
Many states are facing serious crises in health care – including the increasingly prohibitive cost of malpractice insurance for both doctors and health-care facilities. This session will focus on key reasons, including huge jury awards and lowered returns on investment, and will include a discussion of the search for legislative and other solutions. Property-Casualty
Speakers: Jay Angoff, Roger Brown & Associates; Ronald E. Malpiedi, vice president and COO, Mutual Insurance Company of Arizona; Robert J. Walling III, principal, Pinnacle Actuarial Resources
Download:
Malpiedi PowerPoint handout (442kB)Download:
Angoff PowerPoint handout (195kB)Download:
Walling PDF (173kB)
Life & Health Section
Contact Section Cochairs: Jamie Key, AIE
jamie.key@oci.state.wi.us • 608-267-1234
Independent Review Organizations (IROs) –
A review of how states are implementing Independent Review Organizations (IRO) statutes. Regulators will discuss how they are utilized and the effect of IROs for managed care. Health
Speakers: Eileen Mallow, Wisconsin; Merline Smith, New York
Download:Mallow PowerPoint handout (235kB)
Download:Smith PowerPoint handout (106kB)They XY&Z of Medicare Supplement Coverage –
An advanced look at Medicare and Medicare Supplement issues. An advanced format covering issues such as guarantee issue rights, non-renewal and enrollment periods. Health
Speaker: Martha Taylor, Arizona Aging and Adult Administration; Doug Ullrich, ArizonaSurviving with Disability Coverage –
Exploring disability insurance, affordability, underwriting and claims management. A regulator and industry representative will discuss these matters. Life & Health
Speakers: J. Phillip Bruen, vice president, UnumProvident; Sandy Praeger, Kansas commissioner; LouAnn White, vice president, UnumProvidentLife Insurance and Securities –
Will the so-called marriage of these two products be breaking up? A look at how regulators and the industry are dealing with the fallout from the huge market declines, along with a review of suitability standards designed to protect consumers. Life
Speaker: Rosanne Mead, Iowa; Bill Wilcox, Travelers Life & Annuity Co.
Financial Section
Contact Section Chair: Donald Carbone, CIE
dcarbone@ins.state.ny.us • 212-480-5142
Narrowing Your Focus –
Do risk-focused financial examinations get more bang for the regulatory buck? What are the trends driving regulatory change? What is the current status of risk focused examinations? Should we adopt this process? All Lines
Speaker: Marge Spencer, CIE, managing director, American Express Tax & Business ServicesTargeting Market Conduct Exams to an Insurers Management Style –
A new kind of baseline examination designed to help examiners determine, prior to a full-blown market conduct exam, whether an insurer is "proactive" or "reactive." Can determining if a company is proactive help prioritize work schedules and set parameters for upcoming market conduct exams? All Lines
Speaker: Donald Koch, CIE, Insurance Regulatory Services Inc.
Download:PDF handout (236kB)Terrorism Insurance Bill –
Is this the federal government's entry into the business of insurance? Understanding the Terrorist Insurance Bill. The federal government's implications as well as the states' role in enforcing the bill. All Lines
Speaker: Joseph T. Holahan, Morris, Manning & Martin LLPIs Your Insurer Clean? –
Laundering money through financial services firms. Understanding money laundering, terrorist financing and the USA Patriot Act – tips and strategies for building an effective anti-money laundering act. All Lines
Speaker: Marty Nevrla, Arkansas
Producer Licensing Section
Contact Section Chair: John E. Braun Jr., CIE
jbraun@utah.gov • 801-538-3865
Electronic Licensing – Why not? –
Now that the ground has been broken, shouldn't there be a push to utilize whatever electronic options there are for the regulatory industry? E.g. Producers Database (PDB), Producer Information Network (PIN), National Insurance Producer Registry (NIPR). All Lines
Speaker: Maryellen Waggoner, executive director, NIPR
Download:PowerPoint handout (3.0MB)Has NARAB Been Forestalled? –
What is the future in licensing? Does meeting the National Association of Registered Agents and Brokers (NARAB) deadline in the Gramm, Leach, Bliley Act mean it's over? All Lines
Speaker: Tim Mullen, CIE, NAIC
Download:PowerPoint handout (278kB)Producer Licensing from the Non-Regulator Perspective –
What kind of efficiencies and functions does the industry expect from the regulators? All Lines
Speaker: Michelle Cox, AIRC, FLMI, HIA, LUTCF, GE Financial Assurance
Download:PowerPoint handout (197kB)
Enforcement & Compliance Section
Contact Section Chair: Francis Smith, AIE
fsmith@mail.state.mo.us • 573-526-3409
Can't We All Get Along? –
How state fraud investigation units work in cooperation with the Federal Bureau of Investigation, the U.S. Postal Inspection Service and insurance company investigative units. All lines
Speaker: Betty M. Bates, MSTR, CPM, District of Columbia, moderator; Terry L. Cooper, Arizona; Kenneth A. Kenster, CFS, CIFI, UnumProvident; Kevin K. Reitman, fraud team leader, U.S. Postal Inspector ServiceHave Gun, Will Travel –
A statistical comparison of the effectiveness of state fraud units that have law enforcement personnel, those that carry guns and have arrest powers, to state fraud units that do not have enforcement personnel. All lines
Speakers: J. Joseph Cohen, Kentucky; Daniel H. Huston, Ohio; Chlora Lindley-Myers, NAICFollow the Money –
An overview of the federal anti-money-laundering requirements for the insurance industry and their implications for state insurance regulators. All lines
Speakers: Paul J. Hogan, Arizona; Mark Jaster, Oklahoma; Narty Nevrla, ArkansasE-Commerce, Security and Piracy –
An update on computer fraud. All lines
Speakers: Gary Hernandez, Sonnenschein, Nath & Rosenthal; Mike Woolbright, CIE, CFE, Missouri
Market Conduct Section
Contact Section Chair: Katie C. Johnson
kjohnson@scc.state.va.us • 804-371-9688
Uniformity – What do we need to do now? –
A review of the efforts of the NAIC Uniformity Group to date, including the Market Conduct Uniform Report Card, the pre-examination checklist and how to use the new data call lists. All Lines
Speakers: Lynette Baker, Ohio; Jann Goodpaster, CIE, OregonBanking and Insurance Regulators Working Together – Is It More than Just Privacy Issues?
Banking and insurance regulators began working together as a result of Gramm-Leach-Bliley and privacy issues. Is the need for cooperation between these two groups now even greater? How did the multi-state exam of Household Finance by banking regulators make the need for cooperation even clearer? What other issues face insurance examiners looking at the insurance practices of lending institutions? All Lines
Speakers: Scott Borchardt, Minnesota; Carol Sureau, Washington
Download:PDF handout (1.9MB)Are We All Going in Different Directions?–
A presentation from several states on how they have successfully conducted privacy examinations, including things that work and things that do not. All Lines
Speakers: Chester A. Derek Jr., AIE, HIA, Pennsylvania; Diane Dambach, Wisconsin; Diane Irving, South CarolinaMarket Analysis – What is it and How Will it Help Market Conduct Examiners? –
An explanation of what data and information is already available to regulators, how to review it and how this data could be used. This session will assist a state in locating existing data and provide examples of innovative ways to use this data, when conducting examinations and analyzing the marketplace. All Lines
Speaker: Cynthia Amman, Missouri
Round Robin Discussions
Contact: Donald P. Koch, CIE
dkoch@alaska.com • 907-789-9497
An advanced discussion of various NAIC Market Conduct Examiner Handbook standards. You pick the standards that you're interested in and ask your own questions during this Tuesday morning breakout session. Here's your chance to get up close and personal with experts as you move from table to table every 15 minutes. Seating is on a first-come, first-served basis. All lines
Topics included:
- Life Marketing and Sales Standard 1 – All advertising and sales materials are in compliance with applicable statutes rules and regulations. (Moderator: Bruce Ramge, Nebraska) Life
- Database: Constructing a database request. (Moderators: Lynette Baker, Cheryl Davis and Angie Dingus, Ohio) All Lines
Download:
All standard data requests Excel handout (81kB)
Download:Standard annuity data request Excel handout (153kB)
Download:
Data request Word handout (37kB)
Download:Standard life data request Excel handout (160kB)
Download:Standard PC data request Excel handout (180kB)
Download:Standard comm data request Excel handout (115kB) - Complaint Disposition: Complaints Standard 3. The company takes adequate steps to finalize and dispose of the complaint in accordance with applicable statutes rules and regulations and contract language. (Moderator: James Koch, Delaware) All Lines
Download:PDF handout (89kB) - Verifying Notices: Life – Marketing & Sales standards 4, 5 & 6. P&C – Underwriting & Rating standard 12. Verifying the company use of required notices. (Moderators: Tom Reents and Marianne Chillas, MRC Consulting Group) Life and P&C
- Confidentiality: Handling confidential information. Moderator: Cynthia Amman, Missouri) All Lines
- Licensed Producer: Underwriting Standard 8. Producers taking an application for (state) business are properly licensed and appointed. Moderator: Parker Stevens, Delaware) All Lines
- Claim Investigation: Claims Standard 2. Timely investigations are conducted. (Jann Goodpaster, CIE, Oregon) All Lines
- Management Performance: Company Operations/Management Standard 1 – The company has an up-to-date, valid internal or external audit program. (Moderator: Don Koch, RIS and INSRIS) All Lines
More standards will be added later. In addition, there will be a table devoted to constructing a database request.
Joint sessions
Contact: Mitchel Gennaoui, CIE
mgennaou@scc.state.ny.us • 212-480-4697
Suitability –
Is the insurance product being sold suitable for the purchaser? What should be the suitability standards? Life
Speakers: John Mangan, American Council of Life Insurance; Rosanne Mead, Iowa; John Murphy, Stroock & Stroock & Lavan LLP; Donald J. Walters, Insurance Marketplace Standards AssociationUse of Credit Scoring –
How is credit scoring used in credit transactions? What effect does the use of credit score have on the availability and affordability of insurance? Regulatory problems and any solutions or new laws and regulations that have been enacted. Property-Casualty
Speakers: Birny Birnbaum, executive director, Center for Economic Justice; Paul J. Hogan, AIE, FLMI, ALHC, Arizona; Roosevelt C. Mosley Jr., FCAS, MAAA, Pinnacle Actuarial Resources; Jeffrey A. Skelton, assistant vice president, ChoicePoint
Download:Mosley PDF handout (276kB)New Horizons –
A discussion about regulatory activity as a result of the Producer Licensing Model Act. How do we now enforce the proper licensing of sellers of insurance products under the new NAIC model regulation? What adjustments have had to be made as the implementation has become more nationwide? All lines
Speakers: Leroy Brungardt, CIE, Kansas; Jim Casey, CIE, FLMI, Missouri; Scott Greenberg, Arizona
Contact: Francis Smith, AIE
fsmith@mail.state.mo.us | 573-526-3409
Contact: Barbara Fitzgerald, AIE
fitzgeraldb@insurance.ca.gov | 415-538-4229
See you in Denver!
Start planning now to attend the 2004 CDS, Aug. 15-17 at the Marriott City Center in Denver.
If you would like more information about the hotel, please follow the link below. As additional
details become available about the professional development program, we'll post them on this
page – be sure to check back regularly.
Marriott City Center
Other Seminars & Schools
After this year's Career Development Seminar in Denver, we're scheduled to be in Tampa in '05, Chicago in '06 and Pittsburgh in '07.
Besides CDS, the Insurance Regulatory Examiners Society has other sessions aimed at encouraging professional development in the critical area of insurance regulation. Click here to learn more about them.