November 20, 2017
IIAN offices will be closed for the Thanksgiving holiday on Thursday, November 23 and Friday, November 24.
ne xtgen
Big "I" Young Agents Holiday Events Set 
Nebraska nextgen state chairman Elliott Bassett and chapter leaders Lori Ruzicka, Omaha; Brian Bradley, Lincoln; Doug Brummels, Kearney; Cody Krull, Minden; and Zak Morken, Ogallala, invite you to network and celebrate
the holidays! 
Upcoming nextgen Young Agent events:
  • December 7 - Omaha - Holiday Social
    4 pm - 6 pm - Timber, Countryside Village
  • December 14 - Lincoln & Kearney - Bowling & Ugly Sweater Contest
    4:30 pm - Parkway Lanes, Lincoln
    4:30 pm - Big Apple Fun Center, Kearney
  • Click here 
    for details & registration.
Is A Millennial In Your Agency's Future?
IIAN's Talent Network Can Help You Connect 
We've been hearing for several years that the insurance industry is facing an imminent talent gap, and now 25% of insurance agents are expected to retire within the next two years!  But results from Vertafore's fourth annual "Millennials in Insurance" survey offer some hope.  According to the report,  86% of millennial insurance professionals are somewhat or very optimistic that the industry will be able to attract future workers, and 82% would recommend a career in insurance to friends and family.
    "Between the strides made in technology adoption and the benefits
that a career in insurance offers, young professionals are
looking to insurance for lifelong careers," says BJ Schaknowski, SVP and chief sales and marketing officer at Vertafore. "We couldn't agree more that the insurance industry, and particularly the independent insurance agent, has a strong future."  Read more . . .  Source:  PC360

And that's why IIAN has launched the Talent Network
- to help your agency connect with next-generation talent! 
IIAN Talent Network Director Kelli Backman is visiting with college students and graduates  looking for internships and careers every day - contact Kelli any time you'd like to plug into the network!, 402-476-2951.
National Big "I" Lobbying Team Gets The Job  Done For You
The Hill, a leading political newspaper, has named Bob Rusbuldt, IIABA president and CEO, and Charles Symington, IIABA senior vice president of external, industry, and government affairs, among the top trade association lobbyists in Washington, D.C.  The Big "I" was the only insurance agent/broker group to make the list.
The Hill piece  noted the Big "I" was "a force to be reckoned with" as it battled for a wide array of flood insurance legislation in 2017, including a long-term extension of the National Flood Insurance Program.   "Recognition from a leading political newspaper highlights the strength of our government affairs team," said Vaughn Graham, Big "I" chairman and president of Rich & Cartmill, Inc., Tulsa, Oklahoma.
Source: IIABA     

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NAIC Consumer Alert:  Credit Freezes and Burning Hackers
More than 143 million Americans' personal information was exposed when Equifax announced earlier this year it was the victim of a data breach.  Hackers accessed names, Social Security numbers, birth dates, addresses and, in some instances, driver's license numbers.  Guarding against identity theft is important because bankers and insurers reward good credit, and a favorable credit score often results in lower interest and insurance rates. 
    If you have a credit report, chances are you were impacted by the Equifax breach. Equifax took immediate steps to help affected consumers, including freezing customers' credit. Before you take this step, the National Association of Insurance Commissioners has these tips for your consideration.
Read more . . .                           Source:  NAIC

NAIC Passes Data Security Model Law 
After over two years of extensive debate, the National Association of Insurance Commissioners (NAIC) has formally adopted its Insurance Data Security Model Law.
The model law has been a focus of considerable Big "I" advocacy, education, and grassroots attention.  The approved version is considerably more reasonable and less onerous for independent agents - the requirement that the agency purchase identity theft protection for all of its customers in the event of a data breach was removed, as well as financial burdens on small agencies which could not comply with onerous requirements.  It will now be up to each state's legislature to determine if the law will be enacted.  IIAN's Legislative committee will continue to watch this issue and be pro-active if a bill is introduced in the Unicameral in 2018. 
House Passes Five-Year Flood Reauthorization Bill 
Last week, the U.S. House of Representatives passed H.R. 2874, "The 21 st  Century Flood Reform Act," introduced by Rep. Sean Duffy (R-Wisconsin).
Along with the three property-casualty insurer associations (AIA, NAMIC and PCI), the Big "I" originally opposed the legislation and negotiated with leaders on the House Financial Services Committee on improvements to the WYO reimbursement language.  The bill still includes a reduction in the WYO reimbursement rate from 30.9% to 27.9%, phased in over three years and offset by lower administrative costs of 1.5% over the same time frame. While the Big "I" is disappointed that this language was included in the legislation, the original bill included a much deeper cut to the WYO reimbursement rate, which would have had a greater impact on agent commissions. The negotiated changes will save agents millions of dollars in compensation if passed into law.   As a result of these changes to the WYO reimbursement rate, the Big "I" shifted its position on the bill from "opposed" to "neutral." 
Read more . . .                                                                                                              Source:  IN&V
October NFIP Changes - Video
Series Available Online

The National Flood Insurance Program continues to undergo change. Some of the change is aimed at providing a better customer experience for policyholders while other changes continue the implementation of the Biggert-Waters Flood Insurance Reform Act and the Homeowner Flood Insurance Affordability Act. This new series of short videos explains the key elements of changes to the NFIP that are effective October 1, 2017: 

Take 30 minutes to learn 3 steps your agency should take now to  be cyber secure and compliant.  You'll get a concise overview of all applicable security regulations, and understanding of the risks for non-compliance. Plus - 15 minutes for Q&A immediately following the webinar.  It's free - click here.
The Big "I" has many resources to help you protect your agency's data, cover your agency,  and offer basic cyber coverage to your clients at a very competitive price!
Cyber For Small Business
Click here for IIABA Cyber Resources page.
Click here for information on IIAN's low-cost, high-value cyber liability program for your agency.
 Mark Your Calendar For January 31, 2018!
Lunch With Senators at the Mansion
Thank You!
Their support enables IIAN to present affordable, high-quality member programs.

Independent Insurance Agents of Nebraska
(402) 476-2951