NO ONE KNOWS OKLAHOMA BUSINESSES QUITE LIKE OKLAHOMANS DO.
That’s why our communities have trusted CompSource Mutual for 85+ years. We’re proud to be a premier workers’ compensation carrier o ering your customers the best: top-rated financial strength and first-rate service. CompSource Mutual is rated A (Excellent) by AM Best.
EDITORIAL STAFF
Publisher Denise Johnson, CISR, CIC
Managing Editor Jerri Culpepper
Graphic Designer Denise Canon
PROFESSIONAL
President/Chief Executive Officer
Denise Johnson, CISR, CIC
Chief of Staff and Operations
Josh Reasnor, MSSL, CISR, CKC
Senior Vice President of Strategic Initiatives
Sara Bradshaw Ray, CIC, CKC
Workers’ Compensation Account Manager
Jeanette Madrid
Director of Member Services
Shania Slavick
Director of Marketing and Communications
Jerry Rappe’
Specialty Lines Service Account Manager Cindy Munden, CISR
Director of Professional Liability
Cari Senefsky
Education Coordinator Kim Watkins
March Is Women’s History Month…We’ve Come a Long Way, Baby!
Spring is around the corner—the time of year Nature sprouts forth new growth, which always fills me with a spirit of positivity and eagerness to start each day anew.
March is Women’s History Month, celebrated by recognizing those who’ve made positive changes in the world, including those working to resolve problems in physics, economic issues, medical advances, faith building, support of families, and more, as well as encouraging others to follow their dreams.
When I started in this business, women generally held supportive clerical positions and little else. Each
discussions at national and regional conferences by industry professionals across the country is a testament to our ever-changing perceptions of women’s roles in insurance. In fact, genders are crossing traditional paths in many areas. Account managers and processor positions have seen an increase in males in these long-held female posts. Watching boundaries disappear and moving to equal opportunities for all is a blessed experience.
BIGiOK will host the second annual EmpowerHER seminar on March 6 at Coles Garden in OKC. I strongly encourage any woman to attend this
Oklahoma can be more than just “OK” – but it is up to each of us to assure our state remains progressive in its outlook for the future needs of our citizens as well our industry.
generation becomes more gender inclusive, and the advances made in the past few decades are astounding. I’ve witnessed a great change in our industry welcoming minorities in all positions, yet there is still a hesitancy to credit women with the abilities and fortitude to succeed in any chosen field, including insurance leadership.
From transcriptionist at a direct writer, to former agency principal to chairman of BIGiOK – I’ve come a long way, baby! To be included during
event – regardless of their role in our industry. This is a rare opportunity to hear from leaders and peers who share the same experiences and keep moving forward. Many of last year’s participants commented on the confidence and positive outlook from the gathering. We have very powerful women speaking again this year, and all will benefit from the time invested in attendance.
On another note, the California fires have the public and politicians up in arms over lack of proper insurance –
Vicky Courtney Chairman
& Surplus
OSLA was established in 1976 to unite MGAs and Wholesalers in addressing legislative issues concerning the excess & surplus lines marketplace
Over 200 companies are providing surplus lines products in Oklahoma The Oklahoma Surplus Lines Association exists as a way for them to exchange ideas and to support the IIAO regarding legislation relevant to E&S operations
OSLA Membership is open to licensed surplus lines brokers in the state of OK and Associate membership is available to any person, firm or company doing business with eligible members Contact OSLA President, LeAnn Sanderson for an application lsanderson@youroga com
Denise Johnson, CISR, CIC BIGiOK President/Chief Executive Officer
Spring in Oklahoma! I’m Ready for Some Warmer Weather!
I’m so excited about this issue of POLICY. We are constantly working to find ways to inspire you and make your agencies better. In early March, we held our second women’s conference (EmpoweHER) and had record attendance. To follow up with that, we are featuring some stories of some outstanding women in our industry. As you are aware, our board chairperson, Vicky Courtney, is only the second female chair of our Association, and as you saw in our fall issue, she has a compelling story of her success in the insurance industry.
resort in Oklahoma City. We are offering some extremely interesting sessions that will benefit our members. Some of the features those attending will hear about: new insurance technologies, AI and leadership. This is one you won’t want to miss – especially since the venue will be so ‘cool’!
The products and services that we offer to our agents are growing. The E&O program is the best in the industry. We also are seeing a growth in our other programs, including RLI (Umbrella program) and American Reliable (Farm & Ranch). The workers’ comp program is
We are very busy at the Association. Our upcoming INSURCON conference will be held at the brand-new OKANA resort in Oklahoma City.”
At our conference, we were able to honor my dear friend Debbie Burton with the Woman of Impact Award. She has had an incredible career in insurance and has been such an inspiration to me! I had the privilege of getting to know her on a deeper level when her husband, Jeff, served as our board chairman. I used to tell them I got a 2-for-1 special! I’m thrilled that we can honor her for this new award. She sets a standard for all of us, and her career is proof of a job well done.
We are very busy at the Association. Our upcoming INSURCON conference will be held at the brand-new OKANA
still growing and extremely competitive in the industry. BIGiOK.com/INSURCON
We are in the middle of our legislative season and working hard to assist the Oklahoma Legislature to support and protect our industry. We work closely with many of our legislators in finding ways to support bills that are important to our industry.
I have a renewed sense of excitement with some of the new things we are planning for the Association. Stay tuned – there’s more to come!
Always feel free to contact me at denise.johnson@bigiok.com
From the Young Agents Committee
Building the Future: Exciting Opportunities With Oklahoma Young Agents
The Young Agents of Oklahoma continue to create meaningful opportunities for growth, connection and education within our industry. As we step into another exciting quarter, we remain committed to fostering the next generation of insurance professionals and providing resources that help our peers succeed. Whether you’re looking to enhance your leadership skills, expand your knowledge or simply grow your network, now is the perfect time to get involved.
Future Insurance Leaders of Oklahoma (FILO) – Applications Still Open!
Are you ready to take your insurance career to the next level? The Future Insurance Leaders of Oklahoma Program is designed to equip ambitious professionals with the tools, mentorship and leadership training necessary for long-term success.
FILO provides a unique opportunity to learn from industry veterans, engage with like-minded peers and develop skills that will set you apart in your career. Applications are still open for this year’s FILO Program, which kicks off at the end of March. If you or someone you know is looking to invest in their professional future, this program is the perfect step forward.
Don’t miss your chance to be part of this transformative experience! Learn more and submit your application at www.bigiok.com/filo.
Lunch & Learn Series – Mark Your Calendars for April!
Education is a core pillar of success in the insurance industry, and the Oklahoma Young Agents are proud to continue our Lunch & Learn series this April. These CE-approved sessions provide valuable insights into critical industry topics, giving attendees the chance to sharpen their expertise while networking with fellow professionals.
This quarter, we are offering two fantastic sessions:
• Tulsa – Premium Finance – Presented and sponsored by IPFS
• Oklahoma City – The Total Cost of a Workers' Compensation Claim –Presented and sponsored by AF Group Stay tuned for more details on dates, locations and registration. Whether you’re an experienced agent or just starting out, these sessions will provide practical knowledge that you can immediately apply to your work. For more details, visit www.bigiok.com/ya
More Than Just Professional Growth – The Power of Community
I want to take this opportunity to highlight one of the most undervalued benefits of being involved with Young Agents and Big I Oklahoma: the power of community. The events are great, the education is applicable to all parts of the insurance industry, and the networking is exceptional. But beyond all of that,
Jase Riggs Young Agents Committee Chairman
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The customized options your customers desire. The affordable price your customers deserve We’ve been successfully protecting small businesses since 1983.
From the Young Agents
this organization provides something far more meaningful – genuine support and lifelong connections.
In a world of AI, Zoom meetings and remote work, it has never been more evident to me that we need a community of like-minded professionals to be a part of. In October of 2024, my wife received a cancer diagnosis. This is the kind of news no one wants to hear, yet many of us have loved ones who have faced similar battles.
Over the last several months, the outpour of support from this community has been overwhelming. The texts, calls, handwritten notes and thoughtful gifts sent to my wife have been a testament to the strength and compassion of this industry. I have watched colleagues become family, and I have felt firsthand the impact of being part of something greater than just a professional network.
To the YA Committee, the Big I Staff, my agency staff and the incredible insurance professionals across our state—THANK YOU. Your kindness, prayers and unwavering support have meant more than words can express. Our family is forever changed, and we are deeply grateful to be a part of this incredible organization.
As we look ahead to another year of growth and opportunity, I encourage each of you to lean into this community. Whether it’s through attending events, mentoring others or simply showing up for your peers, the relationships you build here will carry you through both the highs and the challenges of life. I am proud to call this industry my home, and even more so, I am proud to walk this journey with all of you.
Here’s to another great quarter with the Young Agents of Oklahoma – let’s continue to grow, learn and support one another every step of the way.
continued from page 4
blaming our industry rather than local legislation that restricts the free market via rate controls as well as hampering proper forestry techniques to help control the risk. We need strong PR to defend our industry and educate the public.
How will the withdrawal of the Federal Insurance Office (FIO) impact states? I look for improvement in cost factors and market availability by giving states more control, but it takes educated legislators to make prudent decisions for the consumer as well as the insurance market.
Oklahoma has several insurance professionals in the Legislature, as well as a dedicated insurance commissioner, giving us a distinct advantage in preventing a situation such as occurred in California. The OKReady Strengthen Oklahoma Homes Program will launch a pilot program of grant applications in March. Homeowners may qualify for up to $10,000 in funding toward improved construction to fortify homes against wind/hail exposures, so prevalent in our state. The progressive program was instituted by Commissioner Mulready after consulting with other states on similar programs.
Oklahoma can be more than just “OK” – but it is up to each of us to assure our state remains progressive in its outlook for the future needs of our citizens as well our industry. Don’t just stand by –STAND UP and make a difference!
◦ Mar 21: Episode 7: Free Friday Ethics Webinar
◦ Mar 26-27: CIC Commercial Property
◦ Apr 9-10: CIC Life & Health Webinar
◦ Apr 16: CISR Elements of Risk Management Webinar
◦ April 17: CISR Commercial Casualty II
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From the State National Director
Chris Floyd, CIC, CRM
A Heartfelt Tribute: The Bobby Salmon Big “I" Relief Fund
It is with both pride and a heavy heart that I announce the new name of the Trusted Choice Relief Fund, now aptly named the Bobby Salmon Big “I" Relief Fund. This change honors the incredible legacy of a dear friend to the Big I community, Bobby Salmon, who served on the IIABA Board of Directors from 2019 to 2023, at which time he was elected to serve as an Executive Committee member until his untimely passing in March 2024.
Throughout our friendship, I was continually inspired by Bobby's unwavering dedication to our industry and his heartfelt commitment to helping others. In the wake of Hurricane Ian's devastation in 2022, he didn't just call for action; he led the charge. His challenge to every state to raise funds for our relief initiative resulted in an astounding $200,000 accumulated to support insurance industry personnel impacted by catastrophes that weren’t covered by their own insurance or other funding sources.
Big “I" Chairman Todd Jackson revealed this new tribute during a recent board meeting in Austin, following a unanimous vote of the Executive Committee.
“Bobby’s actions after Ian inspired others to follow suit this past year after two more hurricanes hit the Southeast, including Bobby’s home state. Anyone who knew Bobby was moved by his spirit of generosity and community. His actions embodied what he was all about, and that spirit continues to live on in the Big ‘I,’” Todd shared. Those words resonate profoundly with me.
Bobby was more than just a fellow board member; he was a cherished friend. His infectious smile could light up any room, and his generosity knew no bounds. His spirit of kindness and collaboration remains a guiding force for us all.
Before his tenure as an Executive Committee member, Bobby was a respected figure on the national board and the Government Affairs Committee for four years. He contributed his time and solid experience to numerous committees, including the Professional Liability Committee, the Board Steering Committee and the InsurPac Board of Directors, which he also chaired.
As we honor Bobby’s life and legacy through the newly named Relief Fund, let us carry forward his spirit of generosity and commitment to caring for one another in our industry. Together, we can ensure that his memory inspires action and community care for those in need.
State National Director
From Strategic Initiatives
The Ripple Effect of Investing in Women's Leadership: Building a Legacy for All
A Ripple Begins With a Single Drop
Years ago, I attended a leadership event where a seasoned executive shared her story of rising in a historically male-dominated industry. As a young manager, she described how a senior colleague took the time to mentor her, challenging her to develop her voice and embrace her unique leadership style. That mentorship didn't just change her career – it transformed her confidence and, ultimately, her ability to lead others. Years later, she mentored dozens of young professionals herself, creating a ripple effect of empowerment.
This story isn't unique. Time and again, we see how investing in women leaders pays dividends for the individuals involved and the organizations and communities they touch. This ripple effect is incredibly profound in the insurance industry, where women’s leadership is increasingly recognized and celebrated. But it doesn't happen on its own. The ripples begin with deliberate investment and a commitment to nurturing leadership potential.
The Value of Female Leadership
The Power of Collaboration and Relational
Leadership
Women leaders often bring a relational intelligence to their work – an ability to connect, empathize and create cultures of collaboration. These qualities are essential in today’s business environment, where teamwork and
innovation drive success. Studies consistently show that organizations with diverse leadership teams are more profitable, resilient and innovative.
In the insurance industry, for example, where building trust is paramount, women leaders often excel in fostering client relationships and internal collaboration. These strengths aren't just about gender – they’re about effective leadership that resonates across all levels of an organization.
Leadership That Thrives in Complexity
The modern business world is marked by rapid change and increasing complexity. Women leaders, known for their adaptability and problem-solving skills, are uniquely positioned to navigate these challenges. They tend to approach problems holistically, balancing immediate needs with long-term impact.
Consider the shift to hybrid work environments. Women leaders, often lauded for their ability to balance productivity with empathy, have been at the forefront of creating flexible, effective workplace policies. This adaptability benefits employees and organizations striving to retain top talent in a competitive market.
The Ripple Effect: Beyond the Workplace
Women’s leadership doesn’t stop at the boardroom door. It creates a ripple effect that extends to communities, families and the next generation of leaders.
Senior Vice President of Strategic Initiatives
Sara Bradshaw Ray, CIC, CKC BIGiOK
From Strategic Initiatives
When women lead, they mentor others, advocate for equitable policies and inspire young professionals to pursue their ambitions.
This ripple effect is especially critical in industries like insurance, where attracting and retaining talent is a growing challenge. By investing in women leaders, organizations position themselves as forward-thinking and inclusive, drawing in the best and brightest talent.
Investing in Leadership Growth –Why Investment Matters
Investing in women’s leadership isn't just a moral imperative – it's a business strategy. Organizations prioritizing leadership development reap the rewards of increased innovation, stronger performance and higher employee engagement. Yet, barriers still exist. Women are often underrepresented in senior roles and face unique challenges, from unconscious bias to limited access to mentorship.
Deliberate investment is needed to overcome these barriers. Programs that focus on leadership training, skill development and networking provide the support women need to thrive.
Practical Steps to Foster Leadership Growth
For organizations and individual leaders, there are several ways to invest in women’s leadership:
• Mentorship and Sponsorship: Encourage senior leaders – both men and women – to actively mentor emerging female leaders. Sponsorship, where leaders advocate for women’s advancement, is equally critical.
• Training and Networking Programs: Programs like BIGiOK’s own MyNetwork (MyNetworkINS.com), which I had the privilege of founding 10 years ago, equip women with the tools and confidence to excel. These initiatives create spaces
where women can connect, learn and grow together.
• Inclusive Cultures: Organizations prioritizing inclusivity create environments where all employees can thrive. Flexible work policies, clear advancement pathways and recognition of diverse leadership styles are just a few ways to foster an inclusive culture.
• Intentional Recruitment and Retention: Invest in identifying and nurturing high-potential female talent. Celebrate their successes and give them opportunities to lead in visible, impactful ways.
The Future of Leadership: Collaborative and Inclusive
As we look ahead, It’s clear that the future of leadership is collaborative, inclusive, and deeply human. The qualities often attributed to women leaders – like empathy, adaptability and relational intelligence – are no longer “nice-to-haves.” They are essential for addressing the challenges of an increasingly complex and interconnected world.
Investing in leadership is not a zero-sum game. When women are empowered to lead, it benefits everyone. Teams become more innovative, organizations become more resilient and communities become stronger. The ripple effect of women’s leadership is felt in every corner of our industry, creating waves of positive change that extend far beyond the workplace.
Building a Legacy Together
As we celebrate Women's History Month, let’s not just reflect on the achievements of women leaders –let’s take action to continue the ripple effect. Whether you’re a senior executive, a mid-career professional or an aspiring leader, there’s a role for you to play in this journey.
The call to action is clear for organizations: invest in programs that develop women leaders. Provide mentorship opportunities, foster inclusive cultures and prioritize equity in hiring and promotion practices.
From Strategic Initiatives
The challenge is equally important for individuals: mentor a colleague, sponsor someone for a leadership role or advocate for inclusive practices in your workplace. These small actions create ripples that grow into waves.
For men in leadership, this is a unique opportunity to play an active role in shaping the future of your organization. By supporting and investing in women leaders, you’re fostering a culture of innovation, building stronger teams and positioning your workplace to thrive in an ever-evolving industry. These actions contribute to a legacy of leadership excellence that benefits everyone.
The Ripple Effect Begins With Us
As I reflect on the story of the young manager who was mentored early in her career, I’m reminded that every act of investment in leadership – no matter how small – creates a ripple effect that extends far beyond what we can see.
Today, that manager is a senior executive, a mentor to many, and a leader who embodies the best qualities of collaboration, resilience and vision. Her story is one of countless examples of what happens when we invest in women’s leadership: individuals thrive, organizations flourish and the ripple effect continues.
Let’s commit to being the drop that starts the ripple. Let’s invest in women’s leadership for today and for the future –because when women lead, everyone wins.
The ripple effect of investing in women’s leadership begins with one conversation. Let's discuss how you can develop and empower the female leaders in your organization. Together, we can create a strategy to inspire growth, foster inclusion and build a legacy of leadership.
Reach out today, and let’s make waves of positive change together.
Sara@BIGiOK.com
Witness how investing in women’s leadership creates waves of empowerment and success, shaping the future of organizations and communities. Use the QR code to watch “The Ripple Effect” video and see the transformative power of leadership in action.
Scan the QR code now to watch!
To
From the State Insurance Commissioner
Oklahoma - Women in Insurance
As Oklahoma’s insurance commissioner, I’m proud to lead an agency where women drive meaningful change in our industry. The Oklahoma Insurance Department plays a central role in educating and protecting consumers and ensuring fairness and stability in Oklahoma’s insurance market. Over the past six years in office, I have seen a shift in leadership at our agency, one in which women are taking on new supervisory roles and shaping the future of our industry within our agency.
At OID, five of the eight members of my executive team are women. This is a significant change for an industry
holding key roles such as claims and policy processing clerks (80.1%), sales (54.9%) and underwriters (56.9%). This reflects a consistent trend since 2012, with women consistently outpacing their share of total U.S. employment.
Among our OID leadership, women like Erin, our deputy commissioner of the Licensing Services Division, exemplify the critical work behind the scenes. Erin joined OID in 2006 and now oversees areas like licensing, education and the regulation of bail bonds. She is essential in maintaining the integrity of our licensing processes and continuing education programs. Last year, her team
The growing number of women in leadership roles at OID shows that success in insurance is about leadership and dedication.”
that has traditionally been maledominated. These women are not just in leadership roles, they’re actively fostering innovation and creating a lasting impact on the market. The women on OID’s executive team reflect the state’s insurance industry, where women represent a significant portion of insurance jobs. It’s remarkable to see. Recent data shows that women are integral to the insurance workforce. According to the Bureau of Labor Statistics, women make up 59.4% of the insurance workforce in Oklahoma,
issued 350,717 licenses. She continues to bring innovative ideas to the table year after year.
Another key leader is Ashley, our deputy commissioner of external affairs. Since joining OID in 2020, Ashley has worked closely with state lawmakers, ensuring that the needs of consumers and the insurance market are well-represented in policy discussions at the State Capitol. In addition, she leads OID’s Consumer Assistance Division, which educates Oklahomans and helps them with their insurance-related issues. She will launch
Glen Mulready State Insurance Commissioner
our Strengthen Oklahoma Homes grant program in March, and I look forward to seeing this program take off.
The growing number of women in leadership roles at OID shows that success in insurance is about leadership and dedication.
Beyond OID, women like Kayla Blount, principal/advisor at 317 Insurance Advisors; Denise Johnson, president and CEO of the Independent Insurance Agents of Oklahoma; and Cathy Weatherford, the first woman to serve as Oklahoma’s insurance commissioner, have also made lasting contributions. These women have all contributed to our industry success in Oklahoma.
As more women rise to the top, they’re changing the face of insurance. I have no doubt they will pave the way for a more empowered and innovative workforce that will continue to transform the insurance landscape for years to come!
Award
Introducing the BIGiOK Woman of Impact Award Recipient – Debbie Burton
By Jerri Culpepper
It’s no secret that women bring a different management style to the table. The ability to connect, empathize and create cultures of collaboration are talents in which many women leaders seem to excel naturally. (For other ways that women are driving change in the workforce and, specifically, the field of insurance, please make sure to read Sara Bradshaw Ray’s excellent column, titled “The Ripple Effect of Investing in Women's Leadership: Building a Legacy for All,” on page 12 of this issue.)
equipping women in the insurance industry at every career stage.
During the conference, a new award was announced – along with its inaugural recipient: Debbie Burton, chief operations officer at Cole, Paine & Carlin Insurance Agency Inc.
leadership, groundbreaking innovation, and unwavering commitment to excellence have shaped her organization and elevated the entire industry,” she added.
“This award symbolizes the extraordinary attributes of character, purpose, and influence that define a woman of impact. In its debut year, we recognize a single individual’s legacy and confirm our organization’s focus on celebrating women whose contributions inspire others to create meaningful change in the insurance field.”
Debbie has been employed with Cole, Paine & Carlin Insurance Agency Inc. for over six years, all but one of those as chief operating officer. Her fourdecades-long career in the industry has been defined by innovation, operational excellence and an unwavering commitment to lifting others up.
On March 6 at Cole’s Garden in Oklahoma City, BIGiOK hosted its second annual EmpowerHER 2025: Celebrating Women in Insurance conference – a transformative event dedicated to uplifting and
“The BIGiOK Woman of Impact Award was created to celebrate the unparalleled achievements and contributions of female leaders who have left an indelible mark on the independent insurance industry,” said Denise Johnson, CISR, CIC, BIGiOK president and CEO.
“With its inaugural presentation, this award recognizes a trailblazing woman – Debbie Burton – whose exceptional
Rather than detail her impressive work history, we asked two colleagues to share their personal experiences with Debbie in order to best illustrate her unique leadership style which led to her being recognized with this new award.
Terri Hestand, premier account manager at CPC Insurance, said that Debbie has been a blessing to her in numerous ways. For example, when Terri’s husband was recently diagnosed with cancer, Terri observed that Debbie was always on hand to offer her full support.
“Her advice is what has gotten me through three years of this cancer journey,” she shared. “When he lost his job and we had to start paying a huge premium to put him on Cobra, she came and sat down in my office and went over all the financial implications on us until we could get him approved for Medicare (which took three years to get).
“Once we went over all the finances,” she continued, “[Debbie] went to the owners of the agency with notes in hand and told them I needed help to balance the significant amount of money we would be paying out, with no income from him – and she got me a much-needed raise. Talk about speaking volumes to her character right there!”
She concluded: “Debbie saw me struggling … and took time out of her busy work and personal life schedule to understand and listen and made things happen to help me. I am not sure I could have made it through this without her! She has been a rock for me.”
Tianna Rogers, select account manager at CPC Insurance, has worked alongside Debbie for the past six years. When Debbie became Tianna’s boss, Tianna –feeling stagnant in her current position –approached Debbie to discuss her future with the agency.
“Debbie recognized my potential and offered me an invaluable opportunity to demonstrate my abilities,” she recalled. “That pivotal conversation ignited a deep passion within me, and I will always be grateful for her unwavering encouragement and support.”
While in many cases, that might have been the end of the story, it was only the beginning in this case, with Debbie continuing to encourage and mentor her mentee.
“Today, Debbie frequently shares that I have far surpassed her expectations, often expressing her pride in the professional I've become,” Tianna said. “It is thanks to her guidance, along with support from a few others over the years, that I discovered my invigorated passion for the insurance industry. The icing on the cake is that I've grown to see Debbie not only as my boss but as a true friend.”
BIGiOK Woman of Impact Award
From helping a colleague weather a serious health diagnosis and ensuing financial crisis to supporting and mentoring another colleague who craved growth and challenge in her work, Debbie was there to help pave the way forward, to mentor, to provide emotional support to two colleagues when they most needed that help.
It was for such women – women who are transforming the playing field for women (and men) for years to come – that BIGiOK established the BIGiOK Woman of Impact Award. Please join us in congratulating Debbie Burton, a leader whose influence has left an indelible mark on the insurance industry – both nationally and within Oklahoma – but most importantly, in the lives of the people she has led, mentored, and supported.
BIGiOK LEADERSHIP
Chairman
Vicky Courtney Ricketts Fennell & Assoc.
Tulsa
Chairman Elect
Kathy Reeser VIP Insurance Edmond
Treasurer
Scott Dull Omega Insurance Agency Choctaw
Secretary Guy Griggs INSURICA
Tulsa
Director at Large
Rob Piearcy Arnett Insurance Agency
Durant
State Director
Chris S. Floyd, CRM, CIC
Brown & Brown Insurance Pryor
Director at Large
Trent Willis
Cornerstone Insurance Group
Oklahoma City
Immediate Past Chairman
Vaughn Graham Jr., CIC
Rich & Cartmill Inc. Oklahoma City
Director at Large
Helen Kasper
Dillingham Insurance Oklahoma City
Company Liaison
Traci Madole
Liberty Mutual
Oklahoma City
MGA Liaison
Rebecca Easton CompRisk Management Inc.
Oklahoma City
BIGiOK MISSION STATEMENT
YAC Chairman Jase Riggs Riggs & Associates Ardmore
As the new voice of the independent agents of Oklahoma, BIGiOK promotes and provides education, legislative advocacy, innovative concepts and practical solutions, and community and career opportunities.
ABOUT BIGiOK
BIGiOK is the largest insurance trade association in Oklahoma. With more than 475 independent insurance agencies, we represent nearly 3,000 independent insurance agents and their employees and more than 100 company members. BIGiOK member agencies range in size from one person to some of the largest agencies in the region.
Founded in 1906 as the Oklahoma Association of Local Fire Insurance Agents, BIGiOK is a result of the consolidation of the Independent Insurance Agents of Oklahoma, Inc. (IIAO) and the Oklahoma Association of Professional Insurance Agents (OAPIA) on Jan. 1, 1992.
BIGiOK policy is set by a board of directors elected at the annual conference. Policy is implemented by a professional
staff located in Oklahoma City. BIGiOK’s mission is carried out through a variety of programs designed to enhance the business of independent insurance agencies.
BIGiOK is an active advocate on behalf of independent agents before legislative, regulatory and judicial groups in Oklahoma and at the federal level.
BIGiOK is affiliated at the national level with the Independent Insurance Agents and Brokers of America with offices in Alexandria, Virginia, and Washington, D.C.
BIGiOK is an excellent source of information through POLICY magazine, published quarterly, and the Oklahoma Agent, a monthly newsletter of time-sensitive material for its members.
OKPac is BIGiOK’s state political action committee. It provides financial support for state elected officials who will provide support for or have shown support of issues affecting the insurance industry and to those who share our business philosophies. Only individuals or partnerships can make contributions to OKPac. Under Oklahoma law, OKPac can accept no contributions from corporations.
2025 Contributors
Stewart Berrong
Kent Bradford
Travis Brown
Deborah Burton
Michael Cole
Jerrad Coots
Vicky Courtney
Jed Dillingham
Jennifer Dotter
Scott Dull
Eitzen Family Trust
Chris Floyd
Patricia Gillespie
Vaughn Graham, Sr.
Vaughn Graham, Jr.
Guy Griggs
John Casey Harper
C. Ross Harris
Denise Johnson
Krista Kautz
Pat Mandeville
Michael T. McCullough
Avery Moore
Brad Owens
Thomas Perrault
Rob Piearcy
Sara Bradshaw Ray
Kathy Reeser
Arthur Rickets
Michael Ross
Scott Selman
Daniel L. Somers
Joe Strunk
Trent Willis
InsurPac is BIGiOK’s national political action committee. It pools the voluntary and individual financial contributions of thousands of independent insurance agents to help elect candidates to Congress who share BIGiOK’s business philosophies. InsurPac is the largest property-casualty insurance industry PAC in the country.
2025 Contributors
Stewart Berrong
Kent Bradford
Travis Brown
Deborah Burton
Michael Cole
Jerrad Coots
Vicky Courtney
Jennifer Dotter
Scott Dull
Eitzen Family Trust
Chris Floyd
Patricia Gillespie
Vaughn Graham, Jr.
Vaughn Graham, Sr.
Guy Griggs
John Casey Harper
C. Ross Harris
Denise Johnson
Krista Kautz
Pat Mandeville
Michael T. McCullough
See more information and quantifiable examples of contributions by going to: OKPac - BIGiOK.com/OKPac | InsurPac - BIGiOK.com/InsurPac
Is your name not on the list? Make contributions today at BIGiOK.com/pac
Contributions as of 2/14/2025. Only gifts of $100 or more are listed, except for Young Agents,whose contributions of any amount are listed.
Resilient Women
By Jerri Culpepper
Resiliency. It’s defined as 1) the capacity to withstand or to recover quickly from difficulties; toughness, 2) the ability of a substance or object to spring back into shape; elasticity. It’s a trait that allows trees to survive even the most powerful winds, or a wellengineered building to remaining standing when all other buildings in the vicinity have crumbled to dust during an earthquake. During COVID-19, resiliency became a buzzword, as we, individually and collectively, set about learning how to cope with life and work while hunkering at home.
As you will see in the following two inspiring stories, resiliency is a trait that can help us weather the most demanding of situations that life throws at us. You’ll read first about two amazing women independent insurance agents – Hannah Haltom of Haltom Insurance Agency in Alva and Rebecca Perez of Magill Insurance Agency Inc. in Weatherford – who faced very different major life changes, and how they dealt with the associated challenges.
Hannah Haltom
Time is your most valuable – and precious – commodity.
Adversity is opportunity.
During fast-changing and tough times, the ability to keep events in perspective and remain resilient is essential.
These are just three of the life lessons learned by Hannah Haltom following the sudden death of her mother, Haltom Insurance Agency founder/owner Joy Haltom, before mother and daughter could successfully negotiate the transfer of ownership of the agency in Alva,
a discussion that had started earlier following an illness brought on by COVID-19.
Following is a Q&A (edited and abbreviated for space) in which Hannah shares some of her and her mother’s life experiences. She credits her mother not only with introducing her to the insurance world, but with imparting to her the importance of pursuing one’s top goals even in the face of adversity.
Q. Can you share a little about your mom and her history as an independent insurance agent and agency owner?
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A. My mom had a hard home life and, once she was able to leave home, she became a first-generation college graduate. (She earned her business administration degree in 1981 at Bartlesville Wesleyan College, now Oklahoma Wesleyan University.) She worked full time in banking and put herself through college while taking a full load of classes and making enough money to graduate without debt.
After graduation, she moved closer to home in northwest Arkansas and ended up working at Village Insurance. My dad, Dennis Haltom, had met her during her time in Bartlesville through mutual acquaintances, and after she moved back to Arkansas, they began dating. They got married in 1983, making their home in Bartlesville. There, my mom went to work for Wes Burpo with State Farm. I was born in Nov. 2, 1984 – 10 days before their first wedding anniversary. Mom told me she would take me to work with her. I guess that’s where I got my start in the insurance field!
In 1990, life brought our family to Northwest Oklahoma when my Grandpa Haltom passed away unexpectedly. Grandma needed our help with the family farm. Both of my parents looked for employment in the Alva area. Mom was offered a few jobs in banking and finance but none of them paid well –even with the impressive resume she had built. Mom talked about how a lot of these fields were still very maledominated and women were paid less for their gender versus the basis of their merit and experience. My parents decided it would be more financially advantageous for her to stay home with us kids, and Dad took a job at the Woods County Assessor’s office as their field appraiser. At this time, they had three of us girls at home.
Mom helped run the farm and also started a home-based business called
Lamb’s Baa’tique, making and selling handbags and women’s apparel. This is where I started getting my feet wet with business experience. As a preteen she “employed” me, answering phone calls, taking and fulfilling orders, and anything else she needed assistance with in the business or around the house. During this time, our family added two boys to the mix.
When all the children were in school, Mom started winding down the homebased business and seeking work outside of the home. She landed a contract with Farmer’s Insurance and opened an office in Alva. Mom shared with me that insurance was also still very maledominated at that time, and that no one believed she knew what she was doing. Everyone expected her to fail. Those individuals didn’t know about her experience and her determination to prove them wrong.
In a short amount of time, she was one of the top regional salesmen in the agency. Despite her successes, however, the agency later selected a male agent (one her mom had hired) for promotion over her, and she made the excruciating decision to walk away and start over again. This time she did it as an independent agency. It was the best decision she made for her career and her clients.
Mom grew and expanded the agency to three locations: Alva, Fairview and Cherokee. She was very much about the relationships built with her clients. She believed that if she helped people using the “Golden Rule Standard,” they would eventually bring her opportunities to earn their other insurance business. She created a lot of good will, building a network of clients that reached throughout the entire state of Oklahoma and Kansas. If you ever came into the office, you would hear stories about her kids and grandbabies. She loved sharing life with her customers and creating those personal connections.
Many did not know about her health struggles of the last few years. In 2021, Mom got COVID and almost died; she recovered, but with lasting health issues. Eventually, her kidneys started failing
her. In fall of 2023, she began in-home dialysis. She didn’t talk or share much about it because she didn’t want the attention or for people to feel sorry for her. I remember my mom saying to me multiple times that she had a lot of reasons to be down and discouraged, but she chose not to. She chose to remain hopeful. She wanted to keep working. She loved what she did, and she loved her customers. She fought hard to focus on the good in life.
The Monday before my mom went into cardiac arrest, the two of us made the trip down to OKC for a business meeting with Physician’s Mutual. We packed up her dialysis machine and went down the night before the meeting so we wouldn’t have to leave so early to make the meeting the next day. It was a common thing for us due to the distance. On the way home, Mom mentioned she’d been wanting to work on getting some of the insurance certifications. I told her I was wanting to do that, too. We agreed that when we got back to the office, we’d get a plan to start working on that in the coming weeks. We didn’t know that was going to be our last business trip together.
On Aug. 25, 2024, she went to bed for her nightly dialysis treatment and her blood sugar dropped critically low, sending her into cardiac arrest. She was put on life support and Medi flighted to OKC, but five days later she went home to Jesus. One really doesn’t know the impact one life has on a community until they are gone. The tears and outpouring of love from the network of customers and peers that she built over the years were amazing and a blessing to our family and staff to witness after her passing. Life is forever changed for us, and she is missed terribly.
Q. Can you tell us some about your own journey as an independent insurance agent?
A. I started working for my mom while I attending college at Northwestern Oklahoma State University. I worked for her for almost two years, until graduating in December of 2007 with my B.A. At the time, I wasn’t sure if I wanted to stick with insurance. My husband and
Joy Haltom, Hannah's mother
I moved to Bartlesville and I went to work for First Wesleyan Church as an administrative assistant to the lead pastor and administrator of the campus. Also during that time, I had a friend who was the head coach at Oklahoma Wesleyan University who convinced me to take on a second job as her assistant coach. She also convinced me to go after my master’s degree in business. So, for two years, I worked my full-time job at FWC, used my evenings and vacation days to go to basketball practices and games, and attended a 4-hour class every Wednesday night for two years to finish my MBA. In June 2011, I graduated with my MBA, achieving all A’s – and at six months pregnant! On Feb. 14, 2012, my daughter Arianna was born. Eventually, I decided I wanted to gain new experiences using my recently earned MBA. In December 2012, I accepted a position at ONEOK headquarters in Tulsa, starting in a staff specialist position assisting the senior vice president of natural gas liquids and the vice presidents and senior staff under him. A few years later, I moved into another department at ONEOK as a regulatory analyst. It was really interesting and exciting being part of the exponential growth during that time.
Our family grew by another child when my son, Ezra, was born in October 2016. The following summer, we decided for personal reasons to move closer to home, and so I gave up my next promotion with ONEOK and began looking for jobs. Prior to the move to Alva, I talked to Mom and let her know that I was considering getting back into insurance. We were able to come to an agreement, and I started working for Haltom Insurance again in August 2017. I committed myself to learning as much as I could in the industry over the coming years.
Late 2020 brought the problems of my 15 ½-year marriage to a head and, in the spring of 2021, we divorced. Working in the family business was invaluable. Having the support and flexibility while building a career and raising two kids brought such peace of mind. It was nice being close with family and having that support system.
Q. Can you talk more about what happened following your mother’s untimely passing, before you were able to work through a transfer of ownership?
A. Over the last several years mom had talked more about further stepping back from running the agency, already having slowly turned over some administrative responsibilities. Another agent in the office and I had been in talks with my mom about jointly taking over the agency. Neither of us really knew where we needed to start, though. Mom also had grown the agency so much that she knew she could benefit from some guidance on perpetuation planning. So, last spring, Mom, myself and the other agent attended BIGiOK’s Perpetuation Workshop, which really helped ease my stress and gave us some valuable direction. It also connected us with professionals and resources that could assist us in the perpetuation planning. Things didn’t go like we planned, though. In April of 2024, the agent with whom I had been making plans with to jointly take over the agency left and went to work for someone else. Mom and I had to then shift our focus to figuring out what the new plan would be, as I still had a desire to take over the agency. We
were working through that still when she passed away unexpectedly.
The challenges that presented themselves after Mom’s death were unreal. My dad was struggling with grief and health issues with the loss of his life partner 10 weeks before their 41st wedding anniversary. My siblings and I have had to step in and give him some extra help caring for the estate and farm.
At the insurance agency, I had to start the process of updating all of our carrier appointments and taking over all of the administrative duties – some of which I had never done. I also lost two agents who had been with our agency for quite a while. We went from five agents in our three offices to only two, including myself. I had to make the decision to close our Fairview office since there was no way to responsibly staff it. I hired two new employees by the end of the year, and they are in the process of getting licensed in the coming weeks. I worked a number of evenings and weekends to stay on top of the administrative duties and our large book of business. All this while trying to maintain some work/family balance and suffering from feelings of inadequacy. The grief of losing my mom stays in the background most days due to the overwhelming responsibilities I’ve had. On the really hard days, I’ve found going to visit Mom’s gravesite is therapeutic. That usually gives me the reset I need to carry on. It’s challenging when it feels like everyone needs something from me all of the time.
I’ve tried to really compartmentalize things so I don’t get overwhelmed by trying to do and be everything at once. I have also tried to find ways to maximize my time, which is my most valuable commodity right now. And I try to keep things in perspective. This is just a season of life. It’s going to be hard for a while, but eventually it will pass and get easier. I have learned in life that the times where it was hardest are the times where I have grown more. Adversity is opportunity.
Looking back, I was so blessed to spend the amount of time I did working with my mom. As many know, working with family is not always easy. I am so thankful for the friendship I shared with my
Hannah and her children Arianna and Ezra.
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mom and the mentorship she gave me throughout my life- both personally and professionally.
Q. Can you offer just some of the highlights on what was required of you to transition from agency member to owner after your mother’s death?
A. Since my mom owned the agency, we had to get the business ownership transferred to my dad as executor of her estate. Dad got an operating agreement in place so that I could manage and operate the business as the licensed agent on his behalf. We are in the process of getting the agency evaluated. The next steps will be getting the financing and sales agreement lined out. I am planning to have that done in the coming months.
Q. What is your recommendation for others (especially women) who are in line to take over an agency from a parent upon their retirement or death?
A. Don’t wait! Start having the conversation now and get a plan in place. Ask for help from professionals who can help guide you to the right tools and resources.
Q. What, not covered above, would you like to share with POLICY readers about this whole experience?
A. Adversity is where we grow, learn and adapt. If you aren’t challenged, you aren’t growing. You can either rise to the challenge ahead of you or be defeated by it. Your attitude and how you respond in difficult circumstances is a choice. That choice will determine your future. Hard seasons will come, but they will also pass. Embrace them head on as opportunities. You can do hard things!
Don’t look at the mountain in front of you and take it all on at once. Ask yourself, what can I do today? Then get a plan and start working through that mountain one chip at a time.
Lastly, your time is an incredibly precious commodity. You only have so much of it, and you aren’t getting any more. Cherish the ones you love. Make plans, and make those plans happen.
Rebecca Perez’s story begins with a decision she made with her husband to volunteer with a nonprofit and ended up with the couple’s adoption of two boy siblings. It’s a story of love, commitment, frustration and, yes, resiliency.
Following is their story, in Rebecca’s words.
In May of 2021 I was browsing through Facebook and found a nonprofit organization, Harley’s House, that needed assistance from the community. Harley’s House is a crisis nursery that helps families in Western Oklahoma with
clothing for children, diapers, wipes, shoes, etc. They also offer child care on the weekends for parents who need to work to support their family. My husband and I decided we would volunteer to help parents by serving as foster parents on the weekends.
After about a month of volunteering, we noticed there was a huge need in the community for longer-term foster parents. We decided to become licensed foster parents through Circle of Care, and on Nov. 1, 2021, we met an incredibly happy 10-month-old, Lennox. We were told that Lennox had a sibling on the way, and when he was born, he would also be placed with us.
On Nov. 17, we got a call from our case manager informing us that the baby was born. He was 5 weeks early and would have to be in the NICU in Oklahoma City until he is well enough to come home with us. He had to learn how to eat on his own and, due to a seizure at birth, the neurologist also had to sign off on him coming home.
From the moment I saw this 5-lb. little guy, I absolutely fell in love with him. It was hard for me to leave this sweet boy overnight and be over an hour away from him. We still had Lennox at home, and we were both working our full-time job. My
Rebecca Perez
Rebecca, her husband and their two boys.
employer was very understanding on my need to visit the baby, and I was able to make the drive to Oklahoma City every other day to feed and hold him and to get updates from the nurses. On Dec. 4, Liam was cleared to go home with us!
Liam had several medical issues and was on several medications, which caused him to sleep quite a bit. He would not wake up to eat, so we had to wake him throughout the day and night to make sure he would continue to grow. After two weeks of being home, he had a seizure. It was the single most terrifying thing I have been through in my life. The ambulance came to our house, and he was rushed to the hospital.
My husband stayed back to wait for our good friends from Harley’s House to come pick up Lennox, and then he met us at the hospital. Thankfully, everything was fine, and we were clear to go home after an hour. Liam had to see a neurologist every 60 days for the
first year of his life. We were so thankful that at the end of every visit, his growth was determined to be good, and the neurologist did not see any signs of brain damage from the seizures.
We had to attend court every six weeks while the boys were in our care. For over a year, we brought the boys with us to see their parents. Unfortunately, their parents did not show up to court, and they were moved from foster care to adoption status. While in court, we were asked if we would consider adopting the boys. I have never in my life answered yes so quickly. My husband and I just cried tears of joy in the car after that day.
It took about another year to finalize the adoption. We were assigned a new ICWA (Indian Child Welfare Act) caseworker who wanted to review their file from step 1 before they would sign off on the adoption. That was about a fourmonth delay. Then, we found out that some paperwork with DHS needed to
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be refiled. That took another 30 days. We went through three different district attorneys, and it seemed like our case started from the beginning each time a new DA was assigned. There is so much uncertainty throughout this whole process. I was stressed, tired and at times defeated.
The one thing that stayed consistent was my love for these two sweet boys. In April 2023 we got a call from our attorney. May 16, 2023, was the date we got to adopt our boys. Everything we went through, the ups and the downs, I would do again and again for my sweet Lennox and Liam.
Young Agents Young Agents Support Citizens Caring for Children
Young Agents members on Jan. 29 volunteered their time to help Oklahoma foster children by organizing clothing, tagging items and helping ensure these kids have the essentials they need. The effort supported the nonprofit Citizens Caring for Children, which has been serving foster youth for 40 years, providing hope and vital resources to over 1,800 children annually. The Young Agents were grateful for the opportunity to support their mission and give back to our community.
Want to learn more about how you can help? Visit cccokc.org, and be part of the change!
A huge THANK YOU to everyone who joined us on Jan. 29 for our Young Agents Community Service Project with Citizens Caring for Children!
You can’t miss it! May 7-9, 2025
It’s the inaugural year of Insurcon, formerly known as BIGiOK’s Annual Conference! REGISTRATION OPENS MARCH 3
Why You Can’t Miss It:
Incredible Venue: OKANA Resort & Indoor Waterpark –Oklahoma’s newest luxury destination, featuring a state-of-the-art conference center, fine dining, and an epic indoor waterpark!
Industry-Leading Education – CE-approved sessions on AI, ChatGPT, KPI strategies, Cyber Insurance, E&O, and more!
Unmatched Networking – From the Empowered Women’s Happy Hour to the Luau with entertainment, build valuable connections with industry leaders.
Fun & Exclusive Activities – Golf, museum tours, spa experiences, a scavenger hunt, and VIP access to OKANA’s attractions.
Partner Showcase – As a reminder, you can also register to participate in the Partner Showcase for FREE! Connect with top partner carriers, enjoy complimentary drinks & snacks, and enter exclusive prize drawings- INCLUDING A $1,000 & $2000 AGENT DRAWINGS!
Celebrating Excellence – Honoring CISR & CIC Designees, and our annual BIGiOK Award Winners! Mark your calendar for May 7-9, 2025-- This will be our best conference yet—you won’t want to miss it!
OGA Donates Toys to Nonprofit
Diamond Briggs, creative and media manager One General Agency (youroga.com) reports that this OKC-based agency donated toys over the 2024 Christmas season to the nonprofit Peppers Ranch Foster Care Community (peppersranch.com). Peppers Ranch Foster Community is a 501(c)3 organization that provides a safe and loving environment for
some of Oklahoma’s most vulnerable children. Through their resources and support for foster parents, they offer kids a chance at a brighter future.
At the time of the gift, the agency stated the following on social media: “Our hearts are full from this year’s Annual Charity Gift Exchange, where we each pick a gift representing the
person we were assigned – but instead of keeping the gifts, we donated them to a cause that has grown close to our hearts, Peppers Ranch Foster Community. We are so proud to contribute to this beautiful mission and grateful to work with such a kind-hearted team who are committed to making a difference in the lives of others!”
Editor’s Note: Does your agency give back to the community in some way? Has your agency or its staff received a major award? We welcome news submissions for Policy, which is published quarterly. Please submit information and photos/graphics to Jerry Rappe at Jerry.Rappe@bigiok.com
In Memoriam
Louis Odus Blosch, who served as president (now called chairman) of Independent Insurance Agents of Oklahoma from 1975-76, passed away Nov. 1 in Broken Arrow.
Louis began selling insurance at age 22. With 5½ years of experience, he opened the Louis Blosch Agency. Louis’ passion for his work was evident as his business grew. His genuine concern for people guided his work ethic, and his agency was recognized throughout the state. In 2017, Louis was honored on a national level with the Legacy Award,
presented by Brotherhood Mutual Insurance Co.
Louis was described as a man of “faith, integrity and generosity” who was dedicated to the church he attended for 60 years. He was Sunday School director, chairman of the deacons and sang in the choir and men’s ensemble. For 44 years, he managed the kitchen at Faith Week with a staff of his peers.
read the full obituary.
Edward “Chris” Kauffman, a 1962 University of Oklahoma alumnus and longtime independent insurance agent, died Feb. 4.
Chris served in the U.S. Air Force Reserve. His insurance career began at Aetna Life Insurance Co., where he earned his CLU designation, and he later co-founded Campbell-Kauffman Inc., serving as CFO until retirement.
Chris was dedicated to community service, serving as director of The Panhandle Royalty Co. and as the longest-standing trustee and chairman of COTPA.
Scan the QR code to read the full obituary.
Louis Odus Blosch
Edward “Chris” Kauffman
