Christ-Centered Christmas

When you think about Christmas, what do you picture?

It might be a gift you received or gave or twinkling lights on a tree, but it's likely that your favorite memories of the season are more about family traditions and activities. Maybe you picture your kids dressed up in nativity costumes or building gingerbread houses together. Maybe you hear your favorite Christmas hymn or feel the warmth that comes from spending time with loved ones.

Christmas traditions can vary widely from family to family, but they bring us closer together and remind us what's really important. The best traditions are those that are not only fun but also fill our hearts with love and remind us of our Savior.
Comics/Did you know

As part of PIA's ongoing partnership with The Hartford's flood insurance program, we are proud to provide PIA members with the latest Flood Agent eNewsletter produced by The Hartford for its flood insurance agents. This month's contents address The Federal Insurance Reform Act of 2004 training courses, January 1st, 2019 NFIP changes, and enhancements you to need to know about
In addition to The Hartford's eNewsletters, PIA members visiting PIA's Flood Insurance Marketing Support Center can download flyers to help their personal lines and commercial lines clients prepare for floods, deal with the aftermath of flooding, and how to prepare for a visit by an adjuster.
PIA thanks The Hartford for making these excellent materials available to all PIA members, regardless of their participation in PIA's flood insurance program with The Hartford.
PIA members who want to earn great flood insurance commissions while working with a top-flight Write-Your-Own flood insurance company should consider the PIA/Hartford flood insurance program.
To learn more about The PIA/Hartford Flood Program:
Events & Info
2019 Convention
Legislative Updates
STAY CONNECTED: PIA Federal Legislative Summit  
A UK-US Covered Agreement could be in place as early as December this year, ready for when the UK departs the EU in March next year, according to the National Association of Insurance Commissioners (NAIC).

Last year, an EU-US Covered Agreement was signed into law to eliminate collateral and local presence requirements for qualified reinsurers and meaningfully streamline group supervision requirements for insurers and reinsurers operating in both jurisdictions.

Speaking at the European Captive Forum in Luxembourg, Steve Kinion, director, bureau of captive and financial insurance products at the Delaware Insurance Department, said: "US regulatory officials are considering developing a covered agreement with the UK before the UK's withdrawal from the EU."

PIA supports increasing uniformity and reciprocity for producer licensing through state insurance departments and, as necessary, through targeted federal legislation.
The passage of the Gramm-Leach-Bliley Act in 1999 required the states to enact uniform or reciprocal license standards for producers. Sincer then, great strides have been made in regard to uniformity and reciprocity among the states. Nonetheless, there remain regulatory redundancies, inefficiencies, and inconsistencies that result in unnecessary costs and burdens on insurance producers and consumers.
PIA Advocates for Independent Agents by:

  • Working with the National Association of Insurance Commissioners (NAIC) and state insurance departments to increase uniformity and reciprocity for producer licensing.
  • Working with stakeholders to ensure that PL 114-1 (2015), which created the National Association of Registered Agents and Brokers (NARAB), is implemented in a timely and appropriate manner.
  • Monitoring the activities of the Federal Insurance Office (FIO) related to producer licensing issues and working with stakeholders to ensure that the independent agency system is protected.

PIA also holds a rotating seat on the Board of Directors for the NIPR to ensure that the interests of independent agents are considered in NIPR strategic decisions.

In The News
Members of the National Association of Insurance Commissioners (NAIC) elected 2019 officers on November 18 during its Fall National Meeting in San Francisco. The newly elected officers will assume their duties on Jan. 1, 2019.
Maine Insurance Superintendent Eric A. Cioppa will become president of the NAIC; South Carolina Insurance Director Raymond G. Farmer will become president-elect; Hawaii Insurance Commissioner Gordon I. Ito will become vice president; Idaho Insurance Director Dean L. Cameron will become secretary-treasurer.

Wells Fargo & Co. is fighting to shut some customers out of a sweeping plan to compensate around 600,000 drivers it pushed into car insurance they did not need, according to court documents and a source familiar with the effort.

Workers’ compensation rates in Tennessee will decrease by nearly 20 percent next year, marking the sixth consecutive year of decreases, according to a statement from the Tennessee Department of Commerce and Insurance.

Reliance Partners, headquartered in Chattanooga, Tennessee, said it plans to rapidly expand its team in Austin, adding 50 employees in the next 36 months.
In addition to Austin, the company also has regional locations in Birmingham, Alabama; Chicago; Vero Beach, Florida, Victoria, Texas; and Milwaukee, Wisconsin
Advertise or Write in the Next Newsletter
If you are interested in advertising your business or writing an article in our newsletter, please contact:
Tina Nickell @ 615-823-5079 or
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