AICP 2022 Annual Conference

what to know as you’re CHARTING the COURSE to MIAMI

Conference Sessions

1:00pm-4:00pm

Conference Registration

7:30am-5:15pm

Insurance Compliance 101
Are you new to compliance?  New to the insurance industry?  Are you looking for something which will give you the Why, What, Who and How of Compliance?  Then this is the course for you!  We will tell you What is Regulatory Compliance, What Gets Regulated, Why it is Regulated, Who is doing all of this regulating – and How do companies comply with all of these state regulations.  This course will help you understand the many facets of Regulatory Compliance no matter what you currently do in the Compliance World – Property & Casualty, Life & Health, Annuity, Licensing, Management – and everything else that involves compliance.

7:30am-8:00am
Breakfast and Get Comfortable

8:00am-8:15am
Welcome Remarks

8:15am-9:15am
What is Regulatory Compliance?

9:15am-9:30am
Break

9:30am-10:45am
What Gets Regulated – Part 1

10:45am-12:00pm
What Gets Regulated – Part 2

12:00pm-1:15pm
Lunch with Regulators – Regulators will begin speaking at 12:15pm

1:15pm-2:30pm
Who Helps Companies Comply

2:30pm-2:45pm
Break

2:45pm-4:00pm
How Do Companies Comply

4:00pm-5:15pm
Case Study

10:00am-5:00pm

Conference Registration

9:00am-10:30am

Insurance Compliance 101
Continuation from Saturday 9/17

1:00pm-2:15pm

Breakout Session A

1A

First-Timers Meet & Greet

2AALL

Diversity, Equity & Inclusion
Join us for an engaging panel discussion on Diversity, Equity and Inclusion and why it matters to the insurance Industry.

Moderator:
Kellee da Roza, Allianz Global Corporate & Specialty

Speakers:
Tait Brooks, Florida International University
T. Kael Coleman, Protecdiv, Inc
Thomas Houck, Thomson Reuters
Christa Rapoport, NTG Consultants, NY Metro Region

3AP&C

Digital Landscape
Survey the Digital Landscape Today – What equipment do producers and carriers need to effectively cultivate today’s Digital Landscape to produce an abundant harvest? Regulators and InsurTech insiders share their experiences and answer your questions to enable you sow your seeds of success in your 21st century garden.

Moderator:
Terri Hitchcock, Thimble

Speakers:
Ryan Blakeney, Mississippi Insurance Department

4ALAH

Hybrid Life & LTC
Hybrid life and LTC (or chronic illness) products are more popular than ever, driven by the decline in traditional LTC sales and the growing need to protect the elderly: the silver tsunami. In addition, many states are requiring LTC-type coverages for residents, a mandate that can be satisfied by hybrid products. This session discusses how various hybrid products are constructed and filed, and how they meet the needs of policyholders and states in the search for LTC protection.

Speakers:
Ed Charbonnier, Insurance Compact
Robert Eaton, Milliman, Inc.
Jeff Koll, AllState Benefits

5AP&C

Product Management – Teamwork Makes the Dream Work
Product management relies heavily on the efforts of everyone involved and requires cohesive teamwork to produce a top-quality end product. Proactive efforts starting at product inception can help avoid potential compliance and market conduct issues in the future by implementing team expectations and setting clear goals during the product life cycle.
In this session, industry product managers and experts will share their experiences and provide knowledgeable insight on what makes of a successful product development team.

Speakers:
Melanie Carlson, Milliman
Reese Mularz, Milliman
Thomas Turner, Milliman

2:15pm-2:30pm

Break

2:30pm-3:30pm

Breakout Session B

1BLAH

Life, Annuity & Health Q&A
Everyone in the room is an expert and willing to assist you by sharing their knowledge and expertise. Whether you are a company employee, a regulator, or you support an industry organization – your involvement is important! You will be asked for questions prior to the conference so that the session leaders can prepare for a thorough discussion. Session leaders will facilitate the discussion as your fellow compliance professionals share solutions and discuss important issues in an open forum. This Q&A is the proof that there are truly no silly questions; only answers that you haven’t heard yet. Extra time has been built into this session so that everyone’s questions can be answered.

Moderators:
Laura Helvey, Milliman
Dave Milligan, Athene USA

2BP&C

Property & Casualty Q&A
Everyone in the room is an expert and willing to assist you by sharing their knowledge and expertise. Whether you are a company employee, a regulator, or you support an industry organization – your involvement is important! You will be asked for questions prior to the conference so that the session leaders can prepare for a thorough discussion. Session leaders will facilitate the discussion as your fellow compliance professionals share solutions and discuss important issues in an open forum. This Q&A is the proof that there are truly no silly questions; only answers that you haven’t heard yet. Extra time has been built into this session so that everyone’s questions can be answered.

3BP&C

Cyber-Terrorism
Insurers, reinsurers and regulators all agree that the number one international threat is cyber-terrorism. Join us to learn how Congress is addressing this threat, which affects all of us.

Speaker:
Mark Camillo, CyberAcuView

4BLAH

Regulatory Monitoring
Staying abreast of all the applicable state laws, regulations and bulletins can be a time consuming practice that often includes dangerous holes. This session will look at how to efficiently and effectively comply with the myriad of regulatory updates, and provide tips for choosing the source of laws coming into your company, assessing risk, implementation of changes, and creating a record of compliance.

Speaker:
Sean Cox, First Consulting & Administration

5BALL

Making Waves in InsurTech
Insurtech continues to evolve. Come hear about the latest developments in products and processes and the regulatory and compliance challenges they pose.

Speakers:
David Heales, Wilkie Farr & Gallagher LLP
Russ Galbraith, Arkansas Insurance Department
Cara St Martin, Ladder Life Insurance Company

3:30pm-3:45pm

Break

3:45pm-5:00pm

Breakout Session C

1C

Chapter Officers Training

2CLAH

Swimming Upstream: InsurTechs in the Insurance Value Chain
Insurance tech companies have made meaningful inroads throughout the insurance industry: sales, administration, claims adjudication, policyholder services, and more. Three insurtech companies will discuss their place in the insurance value chain; the challenges they face and the opportunities they see.

Moderator:
Robert Eaton, Milliman

Speakers:
Nathaniel Krasnoff, ReFrame.Care, Inc.
Amanda Turcotte, Brella
Desiree Wagner, Plug & Play

3CALL

All Hands on Deck!
The insurance industry’s need for talent is full speed ahead, amplified in recent years by The Great Resignation, Great Reshuffle, remote work challenges, and more. How can organizations effectively attract and retain talent? Join this conversation, presented by Gamma Iota Sigma, for an inside look at what the rising generation really wants in a career, tips for attracting and retaining a diverse talent pipeline, and tools to chart the course for our industry’s future.

Moderator:
Matt Heimstead, State Farm Insurance

Speakers:
Christian Ceballos, Gridiron
Brian Eidelbus, Risk Placement Service
Zara Hood, Lockton Companies
Anusha Rastogi, Willis Towers Watson

4CP&C

FEMA, NFIP & Reactions to Increased Flooding
Join us to learn about any new developments from FEMA and NFIP and how to handle possible changes which affect policies, underwriting, claims and much more.

Moderator:
James Bialorucki, USAA

Speakers:
Jeff Jackson, FEMA
Brock Long, Hagerty Consulting

5CALL

Seek Your Treasure – Leadership Opportunities
Like finding pirates’ treasure off the Florida coast, discover the benefits of being an AICP leader. Discussion with those who have taken advantage of AICP leadership opportunities and how it has benefited them. What are available opportunities? How can you get involved? What are the benefits to volunteering?

Speakers:
Bri Dahl, National Association of Mutual Insurance Companies (NAMIC)
Ilana Kauffman, Wysh Life and Health Insurance Company
Roger Osgood, Chubb Insurance
Karen Pollitt, AXIS Specialty Insurer/Reinsurer

5:00pm-7:00pm

Industry Partner Showcase

7:00am-5:00pm

Registration

9:00am-7:00pm

Industry Partner Showcase

7:00am-7:45am

Peer-to-Peer Breakfast

7:45am-8:00am

Morning Announcements

8:00am-9:00am

Breakout Session D

1DALL

9:00am-9:15am

Break

9:15am-10:30am

Breakout Session E

1EL&H

View From The Top
Our ever-popular session with the insurance departments is back! Join our insurance department representatives to learn about what is important in today’s regulatory world. As always, questions are welcome!

Director Eric Dunning, Nebraska Department of Insurance
Jason Lapham, Colorado Division of Insurance
Lindsi Swartz, Pennsylvania Department of Insurance
Julie Weinberg, New Mexico Office of Superintendent of Insurance

2EP&C

All Things California
We will take a dive into the new California filing forms that were revised in January, along with other California filing tips and tricks to help guide you in the product filing process.

Moderator:
Kellee da Roza, Allianz Global Corporate & Specialty

Speaker:
Lori Dreaver Munn, American Association of Insurance Services (AAIS)

3EP&C

Claims-Made vs. Occurrence Policies
This session will provide an overview of claims-made and occurrence policies, differences in coverage and advantages/disadvantages of both.

Speakers:
Andrew Deutsch, Intact Insurance Specialty Solutions
Richard Koon, Koon Group LLC
Mark Worman, Texas Department of Insurance

4EP&C

Walk the Plank? Non-Admitted Knowledge Can Save You
Debunking the myth that non-admitted insurance in the form of surplus lines or direct placement is “unregulated.” Learn about compliance pitfalls and concerns in the surplus lines markets and how to avoid them.

Moderator:
Nicole Zayac, Willkie Farr & Gallagher, LLP

Speakers:
Nancy McCabe, Willis Towers Watson
Roger Osgood, Chubb Insurance

5EP&C

Running with the Big Dogs
Pet insurance has become a growing market because of the rising number of households owning a pet and increasing veterinary costs. Only California has law specifically governing pet insurance. For the rest of the jurisdictions, pet insurers are left uncertain how to design and file their pet insurance products. In this session, our speakers will discuss how to best design and file a pet insurance product to help you navigate this uncertainty. You do not want to miss this pawesome session!

Speakers:
Michael Drummond, Oregon Department of Insurance
John Klodnicki, Milliman
Josh Timmons, Milliman

6EP&C

Navigating the Choppy Workers’ Comp MSP Waters
CMS has recently updated Medicare Secondary Payer guidelines and have held many explanatory webinars and meetings. While the meetings have addressed some of our inquiries, their experts continue to leave some questions behind, while new ones continue to emerge. This presentation will help explain some of the recent updates and offer tips on how to steer through them from a workers’ compensation (and other casualty coverage) perspective. Presenters will provide navigational guidance regarding Medicare Secondary Payer and Medicare Set-Aside and discuss additional updates anticipated on the horizon. If you deal with MSP and MSA’s you don’t want to miss this conversation from two national leaders on the topic!

Speakers:
Ciara Koba, Allan Koba Compliance Solutions
Amber Worman, Gallagher Bassett Services, Inc.

10:30am-10:45am

Break

10:45am-12:00pm

Breakout Session F

1FP&C

View From The Top
Our ever-popular session with the insurance departments is back! Join our insurance department representatives to learn about what is important in today’s regulatory world. As always, questions are welcome!

Bobbi Baca, Colorado Division of Insurance
Lisa Brown, American Property Casualty Association
Director Eric Dunning, Nebraska Department of Insurance

2FP&C

Cryptocurrency – The World’s Contemporary Cash
From gold to dollar bills, to credit cards, and now cryptocurrency, it’s no secret that the form of money is as evolutionary as the world we live in and doesn’t plan to slow down anytime soon. In response, insurance companies are rolling out new products but are challenged by state regulatory barricades built from the shortage of current cryptocurrency laws and regulations.

Speakers:
Sarah Leon, Bitsure LLC
Christine O’Brien, Milliman, Inc.
Raymond Zenkich, Evertas, Inc.

3FP&C

COVID – Where Do We Go From Here?
Discussion of the continuing impact of Covid, including hybrid and remote work models, the affect on rate filing and other state specific issues.

Moderator:
Terri Hitchcock, Thimble

Speakers:
Tanya Goerg, Secura Insurance Companies
Joseph Keller, Westmont Associates, Inc.

4FL&H

Clear Sailing or Rough Seas? Handling Complaints
A look at the requirements of researching, handling and responding to complaints, and how to properly document your process. A look at some best practices to help steer you toward a good outcome for all parties involved. Find out what can you learn from complaints and how discern any trends that appear in order head of troubles in the future. Will include a discussion of current issues companies are seeing in complaints.

Speakers:
Holly Blanchard, Regulatory Insurance Advisors, LLC
Dave Milligan, Athene USA

5FL&H

Innovation in the Supplemental Market – What’s it all A-boat
The supplemental benefits market is ever-evolving, but the last several years in particular have seen an explosion in start-up insurers, InsurTech solutions and technology innovations to support enrollment, communication with customers, claims, and even product design. But this isn’t Nike, we aren’t selling shoes. How do you balance that innovation with the regulations at the federal and state level while pushing the industry forward? Christin Kuretich and Taylor McKinnon will discuss the tips and tricks for achieving this balance.

Speakers:
Christin Kuretich, Milliman
Taylor McKinnon, Milliman
Eric Vieweg, Connecticut Insurance Department

6FL&H

Advertising – Navigating Between the Buoys
This session will discuss the regulatory basis for an advertising compliance program and why advertising compliance matters to an insurer. The discussion will also touch on the participants’ experiences and best practices learned. Finally, we will discuss navigating the balance between a company’s need to market itself while managing the regulatory/compliance requirements and risks with advertising insurance products.

Moderator:
Laura Bullard, Foresters

Speakers:
Chad Batterson, Athene USA
Naomi Quick, Fidelity & Guaranty Life Insurance Company

12:00pm-1:30pm

Buffet Lunch

1:00pm-1:30pm

Perr&Knight Industry Partner Presentation

1:45pm-3:00pm

Breakout Session G

1GL&H

Regulator Round Table
Attendees love this version of ‘speed dating’ a regulator! Our regulators will be available for you to ask your burning questions – or just to put a face with a name! You will rotate around the room to each regulator in order to have a chance to meet everyone.

Regulators Participating:
AR, CO, CT, FL, GA, IIPRC, LA, MD, MN, MS, NC, NE, NM, PA, VA, TX

2GALL

Licensing 101: Poseidon’s Trident & How to Avoid Being Shipwrecked
TPA licensing, licensing agents and agencies, how to keep up with it all? Let our experts help you navigate the requirements and sail smoothly through it all.

Moderator:
Dan Garavuso, Odyssey Consulting

Speakers:
Victoria Baca, New Mexico Office of the Superintendent of Insurance
Vanessa Miller, Mississippi Insurance Department

3GALL

Privacy – Holding the Course Steady
2018-2020 brought the California Consumer Privacy Act (CCPA) and amendments to it. During 2021, several new state privacy and cybersecurity laws together with a strict new privacy law for Quebec, Canada. A the mid-point of 2022, two new state privacy laws (in Connecticut and Utah) already were passed and the first draft of the eagerly-anticipated CCPA regulations were released by the newly-formed California agency tasked with enforcing CCPA. Join us to learn how and when these new laws apply and how they differ, what’s on the horizon and some tips for piloting your organization through the changes.

Speaker:
Julia Jacobson, Squire Patton Boggs

4GL&H

Trend Analysis – Complaints
How does your company handle complaint reporting? What sort of trending and analysis do you do? This panel will discuss practices for reporting complaints, trends to monitor, and what to look for as you analyze your complaint register.

Speakers:
Billy Beal, RegEd
Ryan Blakeney, Mississippi Insurance Department
Jason Sweeney, Sammons Financial Group

5GL&H

Direct to Consumer Compliance Issues
Increasingly, insurance sales and servicing are managed solely on a direct to consumer basis, with electronic applications, automated underwriting, instant policy delivery, and online payment methods (including crypto?). However, regulations are not always keeping up with the technology. Our compliance experts will help us navigate this ever changing landscape.

Moderator:
Pieter Williams, Regulatory Insurance Advisors, LLC

Speakers:
Shaun Greene, American Association of Ancillary Benefits
Cara St Martin, Ladder Life Insurance Company

3:00pm-3:30pm

Break

3:00pm-3:30pm

Verisk Industry Partner Presentation

3:30pm-4:45pm

Breakout Session H

1HP&C

Regulator Round Table
Attendees love this version of ‘speed dating’ a regulator! Our regulators will be available for you to ask your burning questions – or just to put a face with a name! You will rotate around the room to each regulator in order to have a chance to meet everyone.

Regulators Participating:
AR, CO, CT, GA, LA, MD, MN, MS, NC, NY, NM, OR, TX, VA

2HL&H

Agent Monitoring – Best Interest
State regulators are requiring companies to more closely monitor producers’ activity to ensure compliance with rules and regulations surrounding advertising, replacements, best interest. How do companies accomplish this without causing a disruption to the ebb and flow of ordinary business? We will look at some risk based best practices to assist in uncovering problems, while demonstrating oversight.

Speakers:
Paul Hanson, Minnesota Insurance Department
Roger Hayashi, Summit Compliance Group, LLC
Dave Milligan, Athene USA

3HP&C

All About Parametric Insurance
A parametric insurance policy pays a predetermined amount when a calamity such as a flood or an earthquake exceeds a measurable threshold (for example, windspeed or rainfall). The offering of these types of products is expanding. Come learn about how these products differ from traditional indemnity insurance policies and the unique risks, design consideration, and underwriting decision-making that is needed to make these products viable.

Speakers:
Ted Dew, Intrequant
Terri Hitchcock, Thimble
Dee Dee Mays, Perr&Knight

4HL&H

MCAS – Life & Annuity
MCAS had significant changes for 2021 for Life and Annuity. What did you do that worked? What didn’t work? What did you learn for next time changes are requested? This is a round table forum and we are looking forward to hearing attendees experiences.

Speakers:
Kathy Donovan, Wolters Kluwer
Jason Sweeney, Sammons Financial Group

5HL&H

IIPRC
The Interstate Insurance Product Regulation Commission (IIPRC) is an invaluable speed-to-market initiative that has provided the opportunity for companies to file their products through the Compact for approval in multiple states in one filing, with one review. This session will provide updates on key initiatives and new filer guidance in 2022.

Speakers:
Mindy Bradford, Insurance Compact
Ed Charbonnier, Insurance Compact
Karen Givens, Insurance Compact

6HL&H

Benefits of a Mock MCE
Getting an outside perspective can help you be better prepared for the real thing. Learn more about how to conduct a mock MCE, and what to do when you find shortfalls.

Speakers:
Holly Blanchard, Regulatory Insurance Advisors, LLC
Pieter Williams, Regulatory Insurance Advisors, LLC

5:00pm-6:00pm

Industry Partner Showcase

6:00pm-9:00pm

Compliance Cantina
Join us for a little slice of Havana on the pool lawn where you will have the opportunity to learn how to roll cigars and enjoy a little music and dancing from our local Salsa Troupe.

7:00am-5:00pm

Registration

7:15am-8:00am

Peer-to-Peer Breakfast

7:55am-8:00am

Morning Announcements

8:00am-9:00am

Breakout Session I

1IALL

9:15am-9:30am

Break

9:30am-10:30am

Breakout Session J

1JL&H

Regulator Hot Topics
With the pandemic, changing technology, and new entrants in the market, the insurance industry has seen a lot of change. Insurance regulation is changing too. Our panel of regulators will help us understand how their states are meeting the challenges of our changing times.

Moderators:
Maryana Grodnova-Ware, Nebraska Department of Insurance

Regulators:
Latif Almanzan, Texas Department of Insurance
Britney Barnhart, Florida Office of Insurance Regulation
Russ Galbraith, Arkansas Insurance Division
Jason Lapham, Colorado Division of Insurance

2JP&C

Opioid Epidemic & Public Nuisance
Public nuisance has become the new “it” tort for the plaintiffs’ bar as seen in litigation involving opioids, e-cigarette manufacturers, and pharmaceutical mass torts like the Zantac litigation. Learn how this new tort is being pursued, how insurers are responding to it, and whether standard liability policies are really designed to cover these claims.

Speakers:
PJ Cosgrove, Ulmer & Berne
Sonia Valdes, Medmarc

3JP&C

World of Market Conduct/Market Analysis
Learn about the latest approaches states are taking to address insurance company compliance. Staying up-to-date in the world of market conduct is critical!

Speakers:
William Felvey, Virginia Bureau of Insurance
Paul Hanson, Minnesota Department of Insurance

4JL&H

Value-Added Benefits & Anti-Rebating
Companies are making strides to make insurance more relevant throughout the policy lifecycle and value added services are a big part of this. This session will look at what carriers are doing in light of changes to anti-rebating provisions in the Unfair Trade Practices Act.

Speakers:
John Gillum, Locke Lord LLP
Elizabeth Tosaris, Locke Lord LLP
Eric Vieweg, Connecticut Insurance Department

5JL&H

Group Products – Sailing Through Choppy Waters
Group types for L&H products are coming under more and more scrutiny, and carriers are finding it harder to get products approved for use with groups that until recently seemed perfectly acceptable. This session will look at specific group types and states that have recently become more problematic. We will also look at the NAIC’s expanding interest into association group products.

Speakers:
Sean Cox, First Consulting & Administration
Lisa Jones, Health Care Service Corporation

10:30am-11:15am

Business Meeting

President’s Award / Lennon Award

Convene National Business Meeting

Transfer of President’s Gavel

Close National Business Meeting

11:15am-12:15pm

Breakout Session K

1KP&C

Regulator Hot Topics
With the pandemic, changing technology, and new entrants in the market, the insurance industry has seen a lot of change. Insurance regulation is changing too. Our panel of regulators will help us understand how their states are meeting the challenges of our changing times.

Moderator:
Jeff Nash, The Nash Group, LLC

Regulators:
George Bradner, Connecticut Department of Insurance
Andy Case, Mississippi Department of Insurance
Russ Galbraith, Arkansas Department of Insurance
Mark Worman, Texas Department of Insurance

2KP&C

Commercial Lines Deregulation
Large risk exemptions, commercial deregulation, “refer to company”, ELPs, Rules 15 and 34, Free Trade Zone, what does it all mean and what are the compliance implications? The session will discuss commercial lines options to rate individual risks that can be a potential compliance minefield. Attend the session and be ready to address the inevitable questions you will get from your marketing and underwriting staff on this area of insurance.

Speakers:
Sam Garro, Philadelphia Insurance Companies
Roger Osgood, Chubb Insurance
Laura Panesso, ISO

3KP&C

Social Inflation – The True Cost of Litigation and How to Plan Ahead
It appears that nothing is exempt from the ever-increasing inflation costs we are experiencing. As litigation costs continue to rise, insurers are feeling the pain as this has a direct effect on both claims payouts and loss ratios, which will ultimately effect policyholders premiums. Join us to take a closer look at social inflation.

Moderator:
Holly Lambrecht, Milliman

Speakers:
Ursula Merten, prōdō
Kim Guerriero, Milliman

4KL&H

Race & Insurance
In the past few years, insurers and insurance regulators have begun questioning insurance practices that result in racial inequality. But are we asking the right questions? This panel will examine underwriting practices, data collection, accessibility, and how we promote greater diversity in the insurance industry.

Speakers:
Ro Adebiyi, Thrivent
Christa Rapoport, NTG Consultants, NY Metro Region
Aany Tazmin-Ewing, Centene Corporation

5KL&H

New Mexico Regulatory Updates
New Mexico has made some major changes to its insurance regulations. Hear from the department about the reasons for these changes and how to navigate the new requirements.

Moderator:
Dan Garavuso, Odyssey Consulting

Speakers:
Viara Ianakieva, New Mexico Office of Superintendent of Insurance
Julie Weinberg, New Mexico Office of Superintendent of Insurance

12:15pm-1:45pm

Lunch

1:15pm-1:45pm

AAIS Industry Partner Presentation

2:00pm-3:15pm

Breakout Session L

1LALL

Sailing into the Compliance Zone
You’re traveling through another dimension — a dimension not only of sight and sound but of mind. A journey into a wondrous land whose boundaries are that of imagination. That’s a sign post up ahead: your next stop: the Compliance Ethics Zone! In this session, we will use role playing to look at current situations, ideas and concepts that today’s compliance professional may encounter throughout their fast-paced and every changing daily activity. What is right and what is not? Can there be two answers to the same question? How do you find the right solution for consumers, companies, and regulators. Questions will be asked, and answers explored. Join our star speaker for your journey through the Compliance Ethics Zone!

Speaker:
Dave Milligan, Athene USA

2LP&C

Automobile Insurance: What’s DRIVING You Crazy?
From peer-to-peer car sharing programs and TNCs all the way to self-driving and telematics (and everything in-between), what’s an auto insurer to do?

Speakers:
Ryan Blakeney, Mississippi Insurance Department
Andy Case, Mississippi Department of Insurance
Jeff Nash, The Nash Group, LLC
Lakshmi Shalini, Cambridge Mobile Telematics

3LP&C

Unraveling the Jargon to Construct Simplified Language
How many times have you witnessed ambiguous, over-complicated policy language cause confusion to staff and policyholders, or delay the approval of a filing? In this session, we’ll look into real-life examples on how small problems with policy wording can create major issues and how you can prevent these problems before they occur. Come join us to acquire the tools you’ll want to add to your toolbox to simplify your insurance policies and gain direct insight from a state regulator on the importance of writing in plain language.

Speakers:
Rachelle Carter, Louisiana Department of Insurance
Michael Drummond, Oregon Department of Insurance
Christine O’Brien, Milliman, Inc.

4LL&H

Life In California
We’ll take a look at hot topics in sunny California, including guidance for life and annuity carriers, unique disability income requirements, LTC, critical illness & various waivers and accelerated death benefit riders.

Speaker:
Randall Doctor, Doctor Law Group

3:15pm-3:45pm

Break

3:45pm-5:00pm

Breakout Session M

1MALL

Product/Regulatory Innovation Sandbox
State regulations can inadvertently constrain insurance companies, especially those introducing new technologies to the market. Innovation sandbox programs allow companies to temporarily operate without being subject to those regulations until the regulatory department can determine if the product or service is useful to insureds. Learn more about the application process, and how to best use them in states that allow their operation.

Speaker:
Paul Hanson, Minnesota Department of Commerce

2ML&H

Changing Paradigms Within the Supplemental Health Space
Dynamic regulatory and strategic changes are rarely publicized by regulatory bodies. Actuarial Consultant Kristi Hardenbergh and Compliance Consultant Hunter Sexton will review recent material changes in a number of key jurisdictions that have created new paradigms within the supplemental Accident and Health industry.

Speakers:
Hunter Sexton, Sydney Consulting Group
Brandi Waldner, Sydney Consulting Group

3MP&C

Ratemaking for the Non-Actuary
Back by popular demand! Come join us for an information-packed session that will provide concepts behind rate making for all non-actuaries. Some of the topics will include… What is an expense exhibit, rate indication, and policyholder dislocation analysis? If you don’t know, come to this session and find out. We’ll also discuss the differences in what states expect for support and how to provide support for rates when your company does not have its own data.  Industry actuarial experts will be leading this insightful session with plenty of time to answer questions and concerns from the floor.

Moderator:
Morgan Reeves, Milliman

Speakers:
George Bradner, Connecticut Insurance Department
Reese Mularz, Milliman

4MP&C

NAIC & NCOIL Updates
Here’s your chance to learn about initiatives, new activities and what’s coming in NAIC and NCOIL.

Speakers:
Bobbi Baca, Colorado Division of Insurance
Lisa Brown, American Property Casualty Insurance Association
Russ Galbraith, Arkansas Insurance Department

5ML&H

Life & Annuity in New York
What’s up in New York? This panel will examine some of the unique issues life and annuity providers face in NY.

Speakers:
Tom Hartman, Currin Compliance Services, Inc.
Suzanne Seay, Currin Compliance Services, Inc. 

6:00pm-8:30pm

South Beach Food & Art Deco Tour
Join us as architecture, history and food collide during this 2.5-hour walking tour. From gourmet restaurants to hole-in-the-wall ethnic eateries, you’ll get a taste of South Beach while exploring the Art Deco district and the fascinating history behind it.

6:30pm-8:30pm

Sip, Savor, & Salsa!
Join us for a true Miami experience at Salsa Mia. You will learn to dance a beginner Salsa & Bachata, have a mojito and appetizer tasting, and can put your moves to work afterwards at Mango’s Nightclub.

7:00am-12:00pm

Registration

7:30am-8:15am

Breakfast

8:15am-8:30am

Morning Announcements / Presentation to Health in the Hood

8:30am-9:30am

Breakout Session N

1NALL

Environmental, Social & Corporate Governance (ESG) – Making New Waves
ESG…not just another acronym. Learn more about Environmental, Social and Governance policies and the insurance industry’s challenges and opportunities…right here, right now.

Speakers:
Lisa Brown, American Property Casualty Insurance Association
Dan Cotter, Howard & Howard

2NP&C

Personal vs Commercial Lines
Personal would be Auto and Homes, maybe something on Het Net worth Auto/Homes. Commercial would be worker comp, GL/Umb/Excess, BOP, Commercial Auto, Financial Lines products, Environmental products, Property/Inland marine, etc. Even small business vs large account business. How do compliance professions train their underwriters regulatory hats admitted vs non-admitted company use.

Moderator:
Terri Hitchcock, Thimble

Speaker:
Dee Dee Mays, Perr&Knight

3NP&C

Machine Learning
Machine learning and AI once felt like an insurance buzz phrase, but now some insurance carriers and regulators have found ways of capturing the real value from AI. This session will focus on machine learning/AI tools and use cases available that can help expedite the maintenance and updating of policy language that challenges both insurance carriers and regulators today. We will also discuss some of the challenges in implementing as well as the benefits.

Speaker:
Lori Dreaver Munn, American Association of Insurance Services (AAIS)

4NL&H

Rebranding After an Acquisition
What are the overarching impacts and considerations after your company goes through an acquisition or rebranding? With so many compliance functions that will be impacted (i.e. Filing, Ad Review, Ad Filing), it can be tough to keep up with it all. Our speakers will give you guidance on how to handle these changes and highlight Best Practices.

Speakers:
Mike Bedard, Naehas
Brandy Hoffman, CUNA Mutual Group

5NL&H

No Surprises Act
On January 1, the No Surprises Act went into effect, with a goal of protecting consumers from unexpected bills from out of network providers. States are the primary enforcers of this Act, and many states also have their own surprise billing legislation. We’ll discuss how the challenges with implementing and enforcing these requirements and how consumers are being impacted.

Speakers:
Mary Fontana, Health Care Service Corporation
Pieter Williams, Regulatory Insurance Advisors, LLC

9:30am-9:45am

Break

9:45am-10:45am

Breakout Session O

1OALL

SERFF – Charting a Bold New Course
The NAIC is currently in the underway in a multi-year SERFF Modernization project. In addition to updating the architecture, from an end user perspective, current features will be significantly improved and we’ll be adding many new features and capabilities.

Speaker:
Lauren Bandle, NAIC

2OP&C

Operations to Support Business
Come and learn about the various company operations and why they are key to a company’s compliance mindset. Includes units such as producer licensing, actuarial, internal audit, etc. as well as legal and compliance.

Speakers:
Lee Davidson, Berkley Accident and Health
Roger Osgood, Chubb Insurance
Tyrone Settlemier, AmTrust Financial Services, Inc.

3OP&C

Special Events Insurance
We think of insurance as covering individuals and businesses for their usual day-to day-activities. But what about those events that only happen once or for a limited time? How do they get insurance? Special events insurance is for those “special” events, such as carnivals, fairs, weddings, tournaments, concerts, etc. This session will discuss what special events insurance is all about, how it covers those unique events, and the compliance implications of the insurance such as filings, rating, etc. All of us probably were at a special event at one time or another or maybe even organized one. Join us at this session and hear all about the insurance that covers them.

Speakers:
Daniel Cotter, Howard & Howard Attorneys PLLC
Sam Garro, Philadelphia Insurance Companies

4OL&H

Implementing Anti-Fraud Best Practices
Industry speakers will discuss regulatory requirements and how to prevent and detect insurance fraud as carriers expand their presence in electronic environments.

Speakers:
Becky Criswell, Americo Life, Inc.
Anita Dulmes, First Consulting & Administration
Lori Straight, Sammons Financial Group, Inc.

5OL&H

RILA’s and Separate Account Products
Everyone is talking about RILAs, and our experts will help you make sense of the discussion. Session will provide an overview of RILAs generally, with a focus on RILA regulation and other separate account annuity changes in NY.

Speakers:
Tom Hartman, Currin Compliance Services, Inc. 
Karen Givens, Insurance Compact

10:45am-11:00am

Break

11:00am-12:00pm

Breakout Session P

1PP&C

Regulating InsurTechs

Moderator:
Terri Hitchcock, Thimble

Speaker:
Stacy Koron, Ethos Technologies, Inc.

2PP&C

SERFF’s Up Dude!
Ride the Wave with these SERFF filing tips & tricks to help expedite your product approval & avoid gnarly pitfalls. Gain perspective from regulators and industry experts about the inner workings of the best SERFF filings, and learn tips on how to ensure your product filing is as smooth as an ocean breeze for the reviewers. Topics will include, how to craft comprehensive SERFF filing descriptions and filing memorandums.

Speakers:
Ashley Allen, Perr&Knight
Heather Arriola, USAA
Becky McElduff, Insurance Compact

3PL&H

Artificial Intelligence
Artificial intelligence as a tool can help increase the speed and accuracy of underwriting, claims processing, and more. However, its use in insurance also raises compliance questions industry and regulators alike are trying to solve. We will explore the benefits and limitations of AI today and in the future.

Moderator:
Doreen Acampora, Milliman Intelliscript

Speakers:
Michael Hoyer, Milliman IntelliScript
Monica Milner, Lexis Nexis
Cara St Martin, Ladder Life Insurance Company

4PL&H

Leads & Ethics: Navigating Between Scylla & Charybdis
This panel will address a lead Generation code of conduct, TCPA/FTC, CAN-SPAM.

Speakers:
Russ Galbraith, Arkansas Insurance Department
Shaun Greene, American Association of Ancillary Benefits

5PL&H

Electronic App Algorithm
In this session, we will discuss the challenges with implementing electronic applications and algorithmic underwriting. We will also analyze discrimination concerns and describe how underwriting differs for paper applications and purely electronic application processes.

Speakers:
Mindy Bradford, Insurance Compact
Suzanne Seay, Currin Compliance Services, Inc.
Jackie Waas, Reinsurance Group of America, Inc.

1.

Diversity, Equity & Inclusion
Join us for an engaging panel discussion on Diversity, Equity and Inclusion and why it matters to the insurance Industry.

Moderator:
Kellee da Roza, Allianz Global Corporate & Specialty

Speakers:
Tait Brooks, Florida International University
T. Kael Coleman, Protecdiv, Inc
Thomas Houck, Thomson Reuters
Christa Rapoport, NTG Consultants, NY Metro Region

2.

Making Waves in InsurTech
Insurtech continues to evolve. Come hear about the latest developments in products and processes and the regulatory and compliance challenges they pose.

Speakers:
David Heales, Wilkie Farr & Gallagher LLP
Russ Galbraith, Arkansas Insurance Department
Cara St Martin, Ladder Life Insurance Company

3.

All Hands on Deck!
The insurance industry’s need for talent is full speed ahead, amplified in recent years by The Great Resignation, Great Reshuffle, remote work challenges, and more. How can organizations effectively attract and retain talent? Join this conversation, presented by Gamma Iota Sigma, for an inside look at what the rising generation really wants in a career, tips for attracting and retaining a diverse talent pipeline, and tools to chart the course for our industry’s future.

Moderator:
Matt Heimstead, State Farm Insurance

Speakers:
Christian Ceballos, Gridiron
Brian Eidelbus, Risk Placement Service
Zara Hood, Lockton Companies
Anusha Rastogi, Willis Towers Watson

4.

Seek Your Treasure – Leadership Opportunities
Like finding pirates’ treasure off the Florida coast, discover the benefits of being an AICP leader. Discussion with those who have taken advantage of AICP leadership opportunities and how it has benefited them. What are available opportunities? How can you get involved? What are the benefits to volunteering?

Speakers:
Bri Dahl, National Association of Mutual Insurance Companies (NAMIC)
Ilana Kauffman, Wysh Life and Health Insurance Company
Roger Osgood, Chubb Insurance
Karen Pollitt, AXIS Specialty Insurer/Reinsurer

5.

Licensing 101: Poseidon’s Trident & How to Avoid Being Shipwrecked
TPA licensing, licensing agents and agencies, how to keep up with it all? Let our experts help you navigate the requirements and sail smoothly through it all.

Moderator:
Dan Garavuso, Odyssey Consulting

Speakers:
Victoria Baca, New Mexico Office of the Superintendent of Insurance
Vanessa Miller, Mississippi Insurance Department

6.

Privacy – Holding the Course Steady
2018-2020 brought the California Consumer Privacy Act (CCPA) and amendments to it. During 2021, several new state privacy and cybersecurity laws together with a strict new privacy law for Quebec, Canada. A the mid-point of 2022, two new state privacy laws (in Connecticut and Utah) already were passed and the first draft of the eagerly-anticipated CCPA regulations were released by the newly-formed California agency tasked with enforcing CCPA. Join us to learn how and when these new laws apply and how they differ, what’s on the horizon and some tips for piloting your organization through the changes.

Speaker:
Julia Jacobson, Squire Patton Boggs

7.

Sailing into the Compliance Zone
You’re traveling through another dimension — a dimension not only of sight and sound but of mind. A journey into a wondrous land whose boundaries are that of imagination. That’s a sign post up ahead: your next stop: the Compliance Ethics Zone! In this session, we will use role playing to look at current situations, ideas and concepts that today’s compliance professional may encounter throughout their fast-paced and every changing daily activity. What is right and what is not? Can there be two answers to the same question? How do you find the right solution for consumers, companies, and regulators. Questions will be asked, and answers explored. Join our star speaker for your journey through the Compliance Ethics Zone!

Speaker:
Dave Milligan, Athene USA

8.

Product/Regulatory Innovation Sandbox
State regulations can inadvertently constrain insurance companies, especially those introducing new technologies to the market. Innovation sandbox programs allow companies to temporarily operate without being subject to those regulations until the regulatory department can determine if the product or service is useful to insureds. Learn more about the application process, and how to best use them in states that allow their operation.

Speaker:
Paul Hanson, Minnesota Department of Commerce

9.

Environmental, Social & Corporate Governance (ESG) – Making New Waves
ESG…not just another acronym. Learn more about Environmental, Social and Governance policies and the insurance industry’s challenges and opportunities…right here, right now.

Speakers:
Lisa Brown, American Property Casualty Insurance Association
Dan Cotter, Howard & Howard

10.

SERFF – Charting a Bold New Course
The NAIC is currently in the underway in a multi-year SERFF Modernization project. In addition to updating the architecture, from an end user perspective, current features will be significantly improved and we’ll be adding many new features and capabilities.

Speaker:
Lauren Bandle, NAIC

1.

Hybrid Life & LTC
Hybrid life and LTC (or chronic illness) products are more popular than ever, driven by the decline in traditional LTC sales and the growing need to protect the elderly: the silver tsunami. In addition, many states are requiring LTC-type coverages for residents, a mandate that can be satisfied by hybrid products. This session discusses how various hybrid products are constructed and filed, and how they meet the needs of policyholders and states in the search for LTC protection.

Speakers:
Ed Charbonnier, Insurance Compact
Robert Eaton, Milliman, Inc.
Jeff Koll, AllState Benefits

2.

Life, Annuity & Health Q&A
Everyone in the room is an expert and willing to assist you by sharing their knowledge and expertise. Whether you are a company employee, a regulator, or you support an industry organization – your involvement is important! You will be asked for questions prior to the conference so that the session leaders can prepare for a thorough discussion. Session leaders will facilitate the discussion as your fellow compliance professionals share solutions and discuss important issues in an open forum. This Q&A is the proof that there are truly no silly questions; only answers that you haven’t heard yet. Extra time has been built into this session so that everyone’s questions can be answered.

Moderators:
Laura Helvey, Milliman
Dave Milligan, Athene USA

3.

Regulatory Monitoring
Staying abreast of all the applicable state laws, regulations and bulletins can be a time consuming practice that often includes dangerous holes. This session will look at how to efficiently and effectively comply with the myriad of regulatory updates, and provide tips for choosing the source of laws coming into your company, assessing risk, implementation of changes, and creating a record of compliance.

Speaker:
Sean Cox, First Consulting & Administration

4.

Swimming Upstream: InsurTechs in the Insurance Value Chain
Insurance tech companies have made meaningful inroads throughout the insurance industry: sales, administration, claims adjudication, policyholder services, and more. Three insurtech companies will discuss their place in the insurance value chain; the challenges they face and the opportunities they see.

Moderator:
Robert Eaton, Milliman

Speakers:
Nathaniel Krasnoff, ReFrame.Care, Inc.
Amanda Turcotte, Brella
Desiree Wagner, Plug & Play

5.

View From The Top
Our ever-popular session with the insurance departments is back! Join our insurance department representatives to learn about what is important in today’s regulatory world. As always, questions are welcome!

Director Eric Dunning, Nebraska Department of Insurance
Jason Lapham, Colorado Division of Insurance
Lindsi Swartz, Pennsylvania Department of Insurance
Julie Weinberg, New Mexico Office of Superintendent of Insurance

6.

Clear Sailing or Rough Seas? Handling Complaints
A look at the requirements of researching, handling and responding to complaints, and how to properly document your process. A look at some best practices to help steer you toward a good outcome for all parties involved. Find out what can you learn from complaints and how discern any trends that appear in order head of troubles in the future. Will include a discussion of current issues companies are seeing in complaints.

Speakers:
Holly Blanchard, Regulatory Insurance Advisors, LLC
Dave Milligan, Athene USA

7.

Innovation in the Supplemental Market – What’s it all A-boat
The supplemental benefits market is ever-evolving, but the last several years in particular have seen an explosion in start-up insurers, InsurTech solutions and technology innovations to support enrollment, communication with customers, claims, and even product design. But this isn’t Nike, we aren’t selling shoes. How do you balance that innovation with the regulations at the federal and state level while pushing the industry forward? Christin Kuretich and Taylor McKinnon will discuss the tips and tricks for achieving this balance.

Speakers:
Christin Kuretich, Milliman
Taylor McKinnon, Milliman
Eric Vieweg, Connecticut Insurance Department

8.

Advertising – Navigating Between the Buoys
This session will discuss the regulatory basis for an advertising compliance program and why advertising compliance matters to an insurer. The discussion will also touch on the participants’ experiences and best practices learned. Finally, we will discuss navigating the balance between a company’s need to market itself while managing the regulatory/compliance requirements and risks with advertising insurance products.

Moderator:
Laura Bullard, Foresters

Speakers:
Chad Batterson, Athene USA
Naomi Quick, Fidelity & Guaranty Life Insurance Company

9.

Regulator Round Table
Attendees love this version of ‘speed dating’ a regulator! Our regulators will be available for you to ask your burning questions – or just to put a face with a name! You will rotate around the room to each regulator in order to have a chance to meet everyone.

Regulators Participating:
AR, CO, CT, FL, GA, IIPRC, LA, MD, MN, MS, NC, NE, NM, PA, VA, TX

10.

Trend Analysis – Complaints
How does your company handle complaint reporting? What sort of trending and analysis do you do? This panel will discuss practices for reporting complaints, trends to monitor, and what to look for as you analyze your complaint register.

Speakers:
Billy Beal, RegEd
Ryan Blakeney, Mississippi Insurance Department
Jason Sweeney, Sammons Financial Group

11.

Direct to Consumer Compliance Issues
Increasingly, insurance sales and servicing are managed solely on a direct to consumer basis, with electronic applications, automated underwriting, instant policy delivery, and online payment methods (including crypto?). However, regulations are not always keeping up with the technology. Our compliance experts will help us navigate this ever changing landscape.

Moderator:
Pieter Williams, Regulatory Insurance Advisors, LLC

Speakers:
Shaun Greene, American Association of Ancillary Benefits
Cara St Martin, Ladder Life Insurance Company

12.

Agent Monitoring – Best Interest
State regulators are requiring companies to more closely monitor producers’ activity to ensure compliance with rules and regulations surrounding advertising, replacements, best interest. How do companies accomplish this without causing a disruption to the ebb and flow of ordinary business? We will look at some risk based best practices to assist in uncovering problems, while demonstrating oversight.

Speakers:
Paul Hanson, Minnesota Insurance Department
Roger Hayashi, Summit Compliance Group, LLC
Dave Milligan, Athene USA

13.

MCAS – Life & Annuity
MCAS had significant changes for 2021 for Life and Annuity. What did you do that worked? What didn’t work? What did you learn for next time changes are requested? This is a round table forum and we are looking forward to hearing attendees experiences.

Speakers:
Kathy Donovan, Wolters Kluwer
Jason Sweeney, Sammons Financial Group

14.

IIPRC
The Interstate Insurance Product Regulation Commission (IIPRC) is an invaluable speed-to-market initiative that has provided the opportunity for companies to file their products through the Compact for approval in multiple states in one filing, with one review. This session will provide updates on key initiatives and new filer guidance in 2022.

Speakers:
Mindy Bradford, Insurance Compact
Ed Charbonnier, Insurance Compact
Karen Givens, Insurance Compact

15.

Benefits of a Mock MCE
Getting an outside perspective can help you be better prepared for the real thing. Learn more about how to conduct a mock MCE, and what to do when you find shortfalls.

Speakers:
Holly Blanchard, Regulatory Insurance Advisors, LLC
Pieter Williams, Regulatory Insurance Advisors, LLC

16.

Regulator Hot Topics
With the pandemic, changing technology, and new entrants in the market, the insurance industry has seen a lot of change. Insurance regulation is changing too. Our panel of regulators will help us understand how their states are meeting the challenges of our changing times.

Moderators:
Maryana Grodnova-Ware, Nebraska Department of Insurance

Regulators:
Latif Almanzan, Texas Department of Insurance
Britney Barnhart, Florida Office of Insurance Regulation
Russ Galbraith, Arkansas Insurance Division
Jason Lapham, Colorado Division of Insurance

17.

Value-Added Benefits & Anti-Rebating
Companies are making strides to make insurance more relevant throughout the policy lifecycle and value added services are a big part of this. This session will look at what carriers are doing in light of changes to anti-rebating provisions in the Unfair Trade Practices Act.

Speakers:
John Gillum, Locke Lord LLP
Elizabeth Tosaris, Locke Lord LLP
Eric Vieweg, Connecticut Insurance Department

18.

Group Products – Sailing Through Choppy Waters
Group types for L&H products are coming under more and more scrutiny, and carriers are finding it harder to get products approved for use with groups that until recently seemed perfectly acceptable. This session will look at specific group types and states that have recently become more problematic. We will also look at the NAIC’s expanding interest into association group products.

Speakers:
Sean Cox, First Consulting & Administration
Lisa Jones, Health Care Service Corporation

19.

Race & Insurance
In the past few years, insurers and insurance regulators have begun questioning insurance practices that result in racial inequality. But are we asking the right questions? This panel will examine underwriting practices, data collection, accessibility, and how we promote greater diversity in the insurance industry.

Speakers:
Ro Adebiyi, Thrivent
Christa Rappoport, NTG Consultants
Aany Tazmin-Ewing, Centene Corporation

20.

New Mexico Regulatory Updates
New Mexico has made some major changes to its insurance regulations. Hear from the department about the reasons for these changes and how to navigate the new requirements.

Moderator:
Dan Garavuso, Odyssey Consulting

Speakers:
Viara Ianakieva, New Mexico Office of Superintendent of Insurance
Julie Weinberg, New Mexico Office of Superintendent of Insurance

21.

Life In California
We’ll take a look at hot topics in sunny California, including guidance for life and annuity carriers, unique disability income requirements, LTC, critical illness & various waivers and accelerated death benefit riders.

Speaker:
Randall Doctor, Doctor Law Group

22.

Changing Paradigms Within the Supplemental Health Space
Dynamic regulatory and strategic changes are rarely publicized by regulatory bodies. Actuarial Consultant Kristi Hardenbergh and Compliance Consultant Hunter Sexton will review recent material changes in a number of key jurisdictions that have created new paradigms within the supplemental Accident and Health industry.

Speakers:
Hunter Sexton, Sydney Consulting Group
Brandi Waldner, Sydney Consulting Group

23.

Life & Annuity in New York
What’s up in New York? This panel will examine some of the unique issues life and annuity providers face in NY.

Speakers:
Tom Hartman, Currin Compliance Services, Inc.
Suzanne Seay, Currin Compliance Services, Inc. 

24.

Rebranding After an Acquisition
What are the overarching impacts and considerations after your company goes through an acquisition or rebranding? With so many compliance functions that will be impacted (i.e. Filing, Ad Review, Ad Filing), it can be tough to keep up with it all. Our speakers will give you guidance on how to handle these changes and highlight Best Practices.

Speakers:
Mike Bedard, Naehas
Brandy Hoffman, CUNA Mutual Group

25.

No Surprises Act
On January 1, the No Surprises Act went into effect, with a goal of protecting consumers from unexpected bills from out of network providers. States are the primary enforcers of this Act, and many states also have their own surprise billing legislation. We’ll discuss how the challenges with implementing and enforcing these requirements and how consumers are being impacted.

Speakers:
Mary Fontana, Health Care Service Corporation
Pieter Williams, Regulatory Insurance Advisors, LLC

26.

Implementing Anti-Fraud Best Practices
Industry speakers will discuss regulatory requirements and how to prevent and detect insurance fraud as carriers expand their presence in electronic environments.

Speakers:
Becky Criswell, Americo Life, Inc.
Anita Dulmes, First Consulting & Administration
Lori Straight, Sammons Financial Group, Inc.

27.

RILA’s and Separate Account Products
Everyone is talking about RILAs, and our experts will help you make sense of the discussion. Session will provide an overview of RILAs generally, with a focus on RILA regulation and other separate account annuity changes in NY.

Speakers:
Tom Hartman, Currin Compliance Services, Inc. 
Karen Givens, Insurance Compact

28.

Artificial Intelligence
Artificial intelligence as a tool can help increase the speed and accuracy of underwriting, claims processing, and more. However, its use in insurance also raises compliance questions industry and regulators alike are trying to solve. We will explore the benefits and limitations of AI today and in the future.

Moderator:
Doreen Acampora, Milliman Intelliscript

Speakers:
Michael Hoyer, Milliman IntelliScript
Monica Milner, Lexis Nexis
Cara St Martin, Ladder Life Insurance Company

29.

Leads & Ethics: Navigating Between Scylla & Charybdis
This panel will address a lead Generation code of conduct, TCPA/FTC, CAN-SPAM.

Speakers:
Russ Galbraith, Arkansas Insurance Department
Shaun Greene, American Association of Ancillary Benefits

30.

Electronic App Algorithm
In this session, we will discuss the challenges with implementing electronic applications and algorithmic underwriting. We will also analyze discrimination concerns and describe how underwriting differs for paper applications and purely electronic application processes.

Speakers:
Mindy Bradford, Insurance Compact
Suzanne Seay, Currin Compliance Services, Inc.
Jackie Waas, Reinsurance Group of America, Inc.

1.

Digital Landscape
Survey the Digital Landscape Today – What equipment do producers and carriers need to effectively cultivate today’s Digital Landscape to produce an abundant harvest? Regulators and InsurTech insiders share their experiences and answer your questions to enable you sow your seeds of success in your 21st century garden.

Moderator:
Terri Hitchcock, Thimble

Speakers:
Ryan Blakeney, Mississippi Insurance Department
Matt Brasch, Buckle

2.

Product Management – Teamwork Makes the Dream Work
Product management relies heavily on the efforts of everyone involved and requires cohesive teamwork to produce a top-quality end product. Proactive efforts starting at product inception can help avoid potential compliance and market conduct issues in the future by implementing team expectations and setting clear goals during the product life cycle.
In this session, industry product managers and experts will share their experiences and provide knowledgeable insight on what makes of a successful product development team.

Speakers:
Melanie Carlson, Milliman
Reese Mularz, Milliman
Thomas Turner, Milliman

3.

Property & Casualty Q&A
Everyone in the room is an expert and willing to assist you by sharing their knowledge and expertise. Whether you are a company employee, a regulator, or you support an industry organization – your involvement is important! You will be asked for questions prior to the conference so that the session leaders can prepare for a thorough discussion. Session leaders will facilitate the discussion as your fellow compliance professionals share solutions and discuss important issues in an open forum. This Q&A is the proof that there are truly no silly questions; only answers that you haven’t heard yet. Extra time has been built into this session so that everyone’s questions can be answered.

4.

Cyber-Terrorism
Insurers, reinsurers and regulators all agree that the number one international threat is cyber-terrorism. Join us to learn how Congress is addressing this threat, which affects all of us.

Speaker:
Mark Camillo, CyberAcuView

5.

FEMA, NFIP & Reactions to Increased Flooding
Join us to learn about any new developments from FEMA and NFIP and how to handle possible changes which affect policies, underwriting, claims and much more.

Moderator:
James Bialorucki, USAA

Speakers:
Jeff Jackson, FEMA
Brock Long, Hagerty Consulting

6.

All Things California
We will take a dive into the new California filing forms that were revised in January, along with other California filing tips and tricks to help guide you in the product filing process.

Moderator:
Kellee da Roza, Allianz Global Corporate & Specialty

Speaker:
Lori Dreaver Munn, American Association of Insurance Services (AAIS)

7.

Claims-Made vs. Occurrence Policies
This session will provide an overview of claims-made and occurrence policies, differences in coverage and advantages/disadvantages of both.

Speakers:
Andrew Deutsch, Intact Insurance Specialty Solutions
Richard Koon, Koon Group LLC
Mark Worman, Texas Department of Insurance

8.

Walk the Plank? Non-Admitted Knowledge Can Save You
Debunking the myth that non-admitted insurance in the form of surplus lines or direct placement is “unregulated.” Learn about compliance pitfalls and concerns in the surplus lines markets and how to avoid them.

Moderator:
Nicole Zayac, Willkie Farr & Gallagher, LLP

Speakers:
Nancy McCabe, Willis Towers Watson
Roger Osgood, Chubb Insurance

9.

Running with the Big Dogs
Pet insurance has become a growing market because of the rising number of households owning a pet and increasing veterinary costs. Only California has law specifically governing pet insurance. For the rest of the jurisdictions, pet insurers are left uncertain how to design and file their pet insurance products. In this session, our speakers will discuss how to best design and file a pet insurance product to help you navigate this uncertainty. You do not want to miss this pawesome session!

Speakers:
Michael Drummond, Oregon Department of Insurance
John Klodnicki, Milliman
Josh Timmons, Milliman

10.

Navigating the Choppy Workers’ Comp MSP Waters
CMS has recently updated Medicare Secondary Payer guidelines and have held many explanatory webinars and meetings. While the meetings have addressed some of our inquiries, their experts continue to leave some questions behind, while new ones continue to emerge. This presentation will help explain some of the recent updates and offer tips on how to steer through them from a workers’ compensation (and other casualty coverage) perspective. Presenters will provide navigational guidance regarding Medicare Secondary Payer and Medicare Set-Aside and discuss additional updates anticipated on the horizon. If you deal with MSP and MSA’s you don’t want to miss this conversation from two national leaders on the topic!

Speakers:
Ciara Koba, Allan Koba Compliance Solutions
Amber Worman, Gallagher Bassett Services, Inc.

11.

View From The Top
Our ever-popular session with the insurance departments is back! Join our insurance department representatives to learn about what is important in today’s regulatory world. As always, questions are welcome!

Bobbi Baca, Colorado Division of Insurance
Lisa Brown, American Property Casualty Association
Director Eric Dunning, Nebraska Department of Insurance

12.

Cryptocurrency – The World’s Contemporary Cash
From gold to dollar bills, to credit cards, and now cryptocurrency, it’s no secret that the form of money is as evolutionary as the world we live in and doesn’t plan to slow down anytime soon. In response, insurance companies are rolling out new products but are challenged by state regulatory barricades built from the shortage of current cryptocurrency laws and regulations.

Speakers:
Sarah Leon, Bitsure LLC
Christine O’Brien, Milliman, Inc.
Raymond Zenkich, Evertas, Inc.

13.

COVID – Where Do We Go From Here?
Discussion of the continuing impact of Covid, including hybrid and remote work models, the affect on rate filing and other state specific issues.

Moderator:
Terri Hitchcock, Thimble

Speakers:
Tanya Goerg, Secura Insurance Companies
Joseph Keller, Westmont Associates, Inc.

14.

Regulator Round Table
Attendees love this version of ‘speed dating’ a regulator! Our regulators will be available for you to ask your burning questions – or just to put a face with a name! You will rotate around the room to each regulator in order to have a chance to meet everyone.

Regulators Participating:
AR, CO, CT, GA, LA, MD, MN, MS, NC, NY, NM, OR, TX, VA

15.

All About Parametric Insurance
A parametric insurance policy pays a predetermined amount when a calamity such as a flood or an earthquake exceeds a measurable threshold (for example, windspeed or rainfall). The offering of these types of products is expanding. Come learn about how these products differ from traditional indemnity insurance policies and the unique risks, design consideration, and underwriting decision-making that is needed to make these products viable.

Speakers:
Ted Dew, Intrequant
Terri Hitchcock, Thimble
Dee Dee Mays, Perr&Knight

16.

Opioid Epidemic & Public Nuisance
Public nuisance has become the new “it” tort for the plaintiffs’ bar as seen in litigation involving opioids, e-cigarette manufacturers, and pharmaceutical mass torts like the Zantac litigation. Learn how this new tort is being pursued, how insurers are responding to it, and whether standard liability policies are really designed to cover these claims.

Speakers:
PJ Cosgrove, Ulmer & Berne
Sonia Valdes, Medmarc

17.

World of Market Conduct/Market Analysis
Learn about the latest approaches states are taking to address insurance company compliance. Staying up-to-date in the world of market conduct is critical!

Speakers:
William Felvey, Virginia Bureau of Insurance
Paul Hanson, Minnesota Department of Insurance

18.

Regulator Hot Topics
With the pandemic, changing technology, and new entrants in the market, the insurance industry has seen a lot of change. Insurance regulation is changing too. Our panel of regulators will help us understand how their states are meeting the challenges of our changing times.

Moderator:
Jeff Nash, The Nash Group, LLC

Regulators:
George Bradner, Connecticut Department of Insurance
Andy Case, Mississippi Department of Insurance
Russ Galbraith, Arkansas Department of Insurance
Mark Worman, Texas Department of Insurance

19.

Commercial Lines Deregulation
Large risk exemptions, commercial deregulation, “refer to company”, ELPs, Rules 15 and 34, Free Trade Zone, what does it all mean and what are the compliance implications? The session will discuss commercial lines options to rate individual risks that can be a potential compliance minefield. Attend the session and be ready to address the inevitable questions you will get from your marketing and underwriting staff on this area of insurance.

Speakers:
Sam Garro, Philadelphia Insurance Companies
Roger Osgood, Chubb Insurance
Laura Panesso, ISO

20.

Social Inflation – The True Cost of Litigation and How to Plan Ahead
It appears that nothing is exempt from the ever-increasing inflation costs we are experiencing. As litigation costs continue to rise, insurers are feeling the pain as this has a direct effect on both claims payouts and loss ratios, which will ultimately effect policyholders premiums. Join us to take a closer look at social inflation.

Moderator:
Holly Lambrecht, Milliman

Speakers:
Ursula Merten, prōdō
Kim Guerriero, Milliman

21.

Automobile Insurance: What’s DRIVING You Crazy?
From peer-to-peer car sharing programs and TNCs all the way to self-driving and telematics (and everything in-between), what’s an auto insurer to do?

Speakers:
Ryan Blakeney, Mississippi Insurance Department
Andy Case, Mississippi Department of Insurance
Jeff Nash, The Nash Group, LLC
Lakshmi Shalini, Cambridge Mobile Telematics

22.

Unraveling the Jargon to Construct Simplified Language
How many times have you witnessed ambiguous, over-complicated policy language cause confusion to staff and policyholders, or delay the approval of a filing? In this session, we’ll look into real-life examples on how small problems with policy wording can create major issues and how you can prevent these problems before they occur. Come join us to acquire the tools you’ll want to add to your toolbox to simplify your insurance policies and gain direct insight from a state regulator on the importance of writing in plain language.

Speakers:
Rachelle Carter, Louisiana Department of Insurance
Michael Drummond, Oregon Department of Insurance
Christine O’Brien, Milliman, Inc.

23.

Ratemaking for the Non-Actuary
Back by popular demand! Come join us for an information-packed session that will provide concepts behind rate making for all non-actuaries. Some of the topics will include… What is an expense exhibit, rate indication, and policyholder dislocation analysis? If you don’t know, come to this session and find out. We’ll also discuss the differences in what states expect for support and how to provide support for rates when your company does not have its own data.  Industry actuarial experts will be leading this insightful session with plenty of time to answer questions and concerns from the floor.

Moderator:
Morgan Reeves, Milliman

Speakers:
George Bradner, Connecticut Insurance Department
Reese Mularz, Milliman

24.

NAIC & NCOIL Updates
Here’s your chance to learn about initiatives, new activities and what’s coming in NAIC and NCOIL.

Speakers:
Bobbi Baca, Colorado Division of Insurance
Lisa Brown, American Property Casualty Insurance Association
Russ Galbraith, Arkansas Insurance Department

25.

Personal vs Commercial Lines
Personal would be Auto and Homes, maybe something on Het Net worth Auto/Homes. Commercial would be worker comp, GL/Umb/Excess, BOP, Commercial Auto, Financial Lines products, Environmental products, Property/Inland marine, etc. Even small business vs large account business. How do compliance professions train their underwriters regulatory hats admitted vs non-admitted company use.

Moderator:
Terri Hitchcock, Thimble

Speaker:
Dee Dee Mays, Perr&Knight

26.

Machine Learning
Machine learning and AI once felt like an insurance buzz phrase, but now some insurance carriers and regulators have found ways of capturing the real value from AI. This session will focus on machine learning/AI tools and use cases available that can help expedite the maintenance and updating of policy language that challenges both insurance carriers and regulators today. We will also discuss some of the challenges in implementing as well as the benefits.

Speaker:
Lori Dreaver Munn, American Association of Insurance Services (AAIS)

27.

Operations to Support Business
Come and learn about the various company operations and why they are key to a company’s compliance mindset. Includes units such as producer licensing, actuarial, internal audit, etc. as well as legal and compliance.

Speakers:
Lee Davidson, Berkley Accident and Health
Roger Osgood, Chubb Insurance
Tyrone Settlemier, AmTrust Financial Services, Inc.

28.

Special Events Insurance
We think of insurance as covering individuals and businesses for their usual day-to day-activities. But what about those events that only happen once or for a limited time? How do they get insurance? Special events insurance is for those “special” events, such as carnivals, fairs, weddings, tournaments, concerts, etc. This session will discuss what special events insurance is all about, how it covers those unique events, and the compliance implications of the insurance such as filings, rating, etc. All of us probably were at a special event at one time or another or maybe even organized one. Join us at this session and hear all about the insurance that covers them.

Speakers:
Daniel Cotter, Howard & Howard Attorneys PLLC
Sam Garro, Philadelphia Insurance Companies

29.

Regulating InsurTechs

Moderator:
Terri Hitchcock, Thimble

Speaker:
Stacy Koron, Ethos Technologies, Inc.

30.

SERFF’s Up Dude!
Ride the Wave with these SERFF filing tips & tricks to help expedite your product approval & avoid gnarly pitfalls. Gain perspective from regulators and industry experts about the inner workings of the best SERFF filings, and learn tips on how to ensure your product filing is as smooth as an ocean breeze for the reviewers. Topics will include, how to craft comprehensive SERFF filing descriptions and filing memorandums.

Speakers:
Ashley Allen, Perr&Knight
Heather Arriola, USAA
Becky McElduff, Insurance Compact

Silent Auction Raffle

This year, all funds raised from the Silent Auction raffle will be split between the selected charity, Health In the Hood, and the AICP Scholarship Fund.

Health In the Hood

The AICP has a long-standing tradition of selecting a local charity to support our host city each year. Through our fundraising efforts, our members have contributed over $50,000 to charities throughout the country. This year, the AICP has found another gem of a charity to support in our host city of Miami, Florida: Health in the Hood. Combining education on the benefits of homegrown, organic produce with the building of urban gardens, Health in the Hood is connecting communities to wellness. Please check out the charity link here for detailed information about the charity.

AICP Scholarship Fund

In an effort to encourage, support, and reward college students who have an interest in insurance as a career/field of study, the AICP Scholarship Program awards four $2,000.00 scholarships annually to selected recipients.

Bid Here

Tuesday Night Events

Sip, Savor, & Salsa!

Join us for a true Miami experience at Salsa Mia. You will learn to dance a beginner Salsa & Bachata, have a mojito and appetizer tasting, and can put your moves to work afterwards at Mango’s Nightclub.

September 20, 2022, 6:30-8:30pm
Mango’s Tropical Café
$75/person
REGISTER HERE

South Beach Food & Art Deco Tour

Join us as architecture, history and food collide during this 2.5-hour walking tour. From gourmet restaurants to hole-in-the-wall ethnic eateries, you’ll get a taste of South Beach while exploring the Art Deco district and the fascinating history behind it.

September 20, 2022, 6-8:30 p.m.
Bolivar Restaurant Bar
$90/person
REGISTER HERE

Registration

Registration Type National Conference Registration Package #1
National Conferene Registration with National Recording
Package #2
National Conference Registration with Insurance 101
Package #3
National Conference with Insurance 101 and National Conference Recording
Industry Member $850 $1,025 $1,000 $1,175
Industry Non-Member $1125** $1,250** $1,275** $1,450**
Regulator Member $150 $325 $300 $475
Student Member $100 $275 $250 $425
Student Non-Member $125** $300** $275** $450**

For 5 or more registrations from the same company, AICP will offer a 10% discount on each registration. For a discount contact please contact
Melissa Pomerene

INSURANCE COMPLIANCE 101 – TO REGISTER FOR THIS CLASS, YOU MUST PURCHASE PACKAGE 2 or 3. ADDITIONAL INFORMATION WILL FOLLOW REGISTRATION SUBMISSION. PLEASE NOTE THIS CLASS DOES NOT DISPLAY ON THE LIST OF CHOICES FOR THE ANNUAL CONFERENCE SESSIONS.

**Note: Registration fee includes membership through 12/31/2023