2014 IIAW Membership Resource Packet

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Dear Member, As independent agents together, our strong membership establishes us as one of the leading member associations in the state. The IIAW provides members the tools, knowledge and protection to serve your clients effectively and build a successful agency. Serving over 5,000 agents at over 680 locations, we are thought leaders, an advocate, a business builder, a partner for the future and we invite you to continue growing with us. We believe that your partnership with the IIAW is mutually beneficial and one in which we place a great deal of value and consideration. Our Association is undergoing major transformations as we continue striving to revamp and renew the benefits and services we offer our members. The IIAW is always aiming for new opportunities to promote and advance the independent insurance agent- it is our hope that you will continue your relationship with us as we “reshape and refocus” the independent insurance agency channel. Your membership in the Independent Insurance Agents of Wisconsin will expire on August 31, 2014. You can renew your dues online now at www.iiaw.com and pay via credit card, ACH, or send in a check. If you’ve forgotten your username, please contact the IIAW office for login assistance. You can also simply request a temporary password at the member login screen. Look for periodic email reminders with online renewal instructions. (Please disregard these communications if your renewal has already been processed.) To Renew Online at www.iiaw.com: • • • • • • •

Sign In on the right-hand sidebar Under My Profile, click on Manage Profile on the right-hand side bar Under Invoicing, Payments & History, choose Membership Click Securely renew your membership now Under Membership Information, indicate your membership level, confirm member information, and choose payment type Renew your membership by clicking Submit Securely Once logged in, you can now update your organization's profile, sub accounts (employee list) and view your transaction history

To edit your employee roster: • • • •

Click on Manage Profile on the right hand side of the screen Choose Sub-Accounts Remove employees by clicking on the man holding the orange box icon Add employees by entering their e-mails in Invite Employees

We also ask that you please verify your national IIABA information at this time by logging in at www.iiaba.net. If you have any questions during this process, please don't hesitate to give us a call at 608-256-4429. We look forward to continuing a powerful partnership with you and your agency, The Independent Insurance Agents of Wisconsin

THANK YOU FOR YOUR MEMBERSHIP!

Corporate Solutions

Professional Liability Insurance

Swiss Re Corporate Solutions & Independent Insurance Agents & Brokers of America

Agents’ E&O Insurance & Risk Management Program For more than 50 years, insurance agents and brokers across America have trusted Swiss Re Corporate Solutions to protect their business, reputation and assets. Swiss Re Corporate Solutions is proud to be endorsed by the IIABA and all Big “I” state associations nationwide. Based on our experience and strong commitment to the Agency E&O market, the IIABA-Swiss Re Corporate Solutions Agency E&O program is considered a benchmark in the industry. Experience - Stability - Expertise Compare the IIABA-Swiss Re Corporate Solutions Agents E&O Program and policy and see why our track record of experience, stability and expertise is second to none. Swiss Re Corporate Solutions

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Your E&O Carrier

Program Features

Continuously provided Agents’ E&O coverage since 1960s A Swiss Re Corporate Solutions admitted carrier with solid financial strength – “A+” by A.M. Best State & National Association endorsed program for over 25 years Dedicated underwriting team totaling over 300 years of Agents’ E&O experience Claims Service – prompt and thorough claims staff, primarily licensed attorneys, that are a resource to assist with any claim or potential incident Local defense counsel experienced in Agents’ E&O claims in your state Program offered countrywide with no prior market withdraws Premium credit of 10% for E&O Loss Control/Risk Management class completion Premium credit up to 20% annually with loss free experience Agency Operations Improvement Review credit of 10% available On-line renewal applications available for ease of completion Automatic Renewals available – No application required! Flexible underwriting for independent insurance agencies of all sizes, including both P&C and L&H-only agencies E&O committee of member agents providing program oversight Experienced E&O program administrators with underwriting authority in your state Prompt underwriting turn-around time and policy delivery Leader in policy innovation and solutions for unique and emerging agency exposures Complimentary access to “E&O Happens” risk management website (www.iiaba.net/eohappens) and the E&O claims Advisor Newsletter Agency Umbrella and EPL policies available Various payment plans available to meet your needs Competitive & stable premiums for all agency sizes

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Swiss Re Corporate Solutions

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Your E&O Carrier

Policy Highlights

Broad duty to defend even if claim or potential claim is groundless, false or fraudulent Broad definition of “Professional Services” Other Related Services coverage includes the agency’s advertising, notary public and carrier draft authority activities Defense Costs in addition to the limit of liability Claims-made policy form with broad claim reporting provision Ability to provide full prior acts coverage for acquired entities Protection for innocent insureds Insolvency coverage included in policy for placement with carriers rated B+ or better by A.M. Best or carriers covered by a state guaranty fund. Aggregate or Each Occurrence deductible options available Deductible Reduction Feature – Ability to reduce your deductible by 50% on each claim First & Third Party Breach of Data coverage included in policy form $20 million limit capacity available Catastrophe Extra Expense coverage limit options up to $100,000/$250,000 Subpoena coverage limit options up to $50,000 Regulatory Defense coverage limit of $25,000 Multiple Extended Reporting Period options are available Expansive definition of Insured includes current and former employees, independent contractors and leased or temporary employees Reimbursement for loss of earnings or use of temporary staff due to attending depositions or trials provided at $500/day up to $10,000 per policy period Punitive and exemplary damages included where permitted by law Personal Injury definition includes false arrest, detention, humiliation, libel, slander and wrongful entry of a premise or dwelling Optional coverage available for EPL, Real Estate E&O and agency’s ancillary services Liberalization clause for broadened policy provisions Insured’s consent required to settle any claim No contractual liability exclusion Worldwide coverage

For more information on the E&O program and the features and benefits of the Swiss Re Corporate Solutions policy please contact your state administrator.

Please refer to the policy form SP 4 584 for complete policy language. The above is for general informational purposes only. Please refer to the policy form for complete policy language. All policies are individually underwritten. If you have any questions, feel free to contact a Swiss Re Corporate Solutions representative. Insurance products underwritten by Westport Insurance Corporation, Overland Park, KS, a member of Swiss Re. Swiss Re Corporate Solutions offers innovative, high-quality insurance capacity to mid-sized and large multinational corporations across the globe. Our offerings range from standard risk transfer covers and multi-line programmes, to highly customised solutions tailored to the needs of our clients. Swiss Re Corporate Solutions serves customers from over 40 offices worldwide and is backed by the financial strength of the Swiss Re Group. For more information about Swiss Re Corporate Solutions, please visit: www.swissre.com/corporatesolutions.

www.swissre.com/corporatesolutions ©2013 Swiss Re. All rights reserved.

GROWTH BY ASSOCIATION.

Membership in the Independent Insurance Agents of Wisconsin includes every owner, producer, and service employee of an agency. Every member of IIAW has unlimited access to services and information from both the Independent Insurance Agents of Wisconsin and the Independent Insurance Agents and Brokers of America. This includes the Trusted Choice® independent agency brand. A detailed list of benefits and where to find them are listed below: Membership In IIABA The most powerful agent resources right in the palm of your hand. IIAW membership includes access to many services and

Take advantage of everything your membership offers!

information that are guaranteed to help you succeed. From Ask An Expert, Big “I” Markets, the Agents Council for Technology, Virtual University, and just about every other service to run your agency, the IIABA is here for you.

E&O Insurance

Comprehensive coverage from Swiss Re/Westport, an A.M. Best A+ rated company.

Continuing Education

Online and in class continuing education classes are available to members at a discounted rate. For more information visit www.iiaw.com and click on Education/Events.

Government Affairs

Ensuring independent agents role in the insurance industry along with advocating for favorable regulations for our profession at both the state and national level.

Prelicensing Classes Trusted Choice

Property & Casualty and Life & Health prelicensing classes available. Visit www.iiaw.com (Education/Events then Agent Prelicensing Schools) to learn more. Take advantage of this unique national branding program for IIAW members. Go to www.trustedchoice/agents.com to learn more.

Cyber Liability Coverage

Project CAP Big “I” Markets

The IIAW has partnered with Arlington/Roe & Co., Inc. to offer our members an exclusive program to help protect their agencies from information security breaches. This program is a holistic risk management process that will help train your staff on privacy compliance in addition to handling data breach notification and third party suits.

Agency online marketing services, lead generation, quoting capabilities, and more to help you compete in today’s changing marketplace. No fee brokerage operation within the Big “I.” This is a product driven program available to IIAW members. To enroll visit www.bigimarkets.com.

Big “I” Virtual University

The VU provides unique and valuable services free of charge, such as the research library, Ask An Expert, Webinar classes, and Best Practices.

Virtual Risk Consultant

Online sales and service resource designed to help your agency better serve its customers.

Big “I” National Flood Program Coverage For Your Insured

Written through Selective Insurance (A+ A.M. Best rated). Visit www.independentagents.com/flood.

Personal umbrella, stand-alone In-home business, lawyer’s professional liability, and more.

Free Quarterly Legal Advice Consult with our legal expert for 15 minutes free each quarter. Agency Consulting

Expert advice in perpetuation, general accounting, financial management, agency-valuation, and producer staff compensation.

Member Activity Marketing Center Big “I” Advantage

Everything you need from discounted print materials, Web site development, and prospect leads.

Having trouble deciding which retirement plan is right for you or your agency? Big "I" Retirement Services is here to help you choose which plan best meets your circumstances. We’ve worked with more than 1,000 agencies to help them achieve their retirement goals.

Receive The Following Publications: • Independent Agent magazine (IIABA) • Wisconsin Independent Agent magazine (IIAW) • IIAW Spotlight weekly e-news, includes Action News (IIAW) • IIAW Ed-zone e-news (IIAW) • The Marshberry Letter (IIAW) • HR Toolkit (IIAW) • Online and print membership directory (IIAW) • Insurance News & Views (IIABA) • Two for Tuesday (IIABA) • VUpoint (IIABA) • Producer onboarding manual (IIAW) Networking Opportunities: • Annual convention • Fall Planning conference • Sales & Leadership Conference • A Day on the Hill – government affairs day • Autumn Retreat for Smaller Agents • Regional social events – golf outing and special events • Committee opportunities – join a committee! • Facebook and LinkedIn member only network Receive Discounts From These Companies: Caliper FedEx Hertz Imperial Financing Office Scheduler InsurBanc Mines Press DocuSign

Insuring Wisconsin Growth Fund Conduit

What Is The IIAW Conduit? Like the IIAW Political Action Committee, the conduit is a voluntary donation that is designed to take our association to the next level in state government affairs advocacy. Unlike the PAC, donors contribute funds to their personal conduit account. What this means is that donors have complete control of how the funds are distributed. Our Government Affairs Committee will solicit individual donors for authorization to use a portion of their donation for a particular candidate(s). Conduit donors may accept or decline this solicitation. In addition, donors may direct the conduit to distribute their funds to any candidate of their choice at any time. Why Is The IIAW Conduit Important? Every day, legislation is introduced that could affect your business. Proposed legislation often includes increased reporting and additional requirements leading to unnecessary regulations of our industry. In some cases, we support legislative initiatives and work with legislators to gain passage of favorable measures. For example, we are currently working on the role of the navigator under the new federal PPACA rules. We are protecting the role of agents moving into the future. Why Should I Donate? Collectively, our resources result in sizable contributions that give our Association increased visibility and credibility. Legislators will remember who we are and take the time to listen to our concerns. They may even champion our cause. By no means do political contributions buy votes; they instead open the door for the IIAW to have our voices heard loud and clear on issues that are important to us. IIAW Conduit Member Benefits Member benefits include: • • • • •

Invitation to exclusive reception with legislative leaders during the bi-annual Day on The Hill. Insuring Wisconsin Conduit lapel pin. Legislative pocket directory. Opportunity to represent the IIAW at legislative events and fundraisers. Recognition in IIAW publications and Association events.

Donate ONLINE Today!

IIAW Conduit Donation Form INSURING YOUR VOICE IS HEARD IN THE CAPITOL! Please indicate if you would like to make a one time payment or monthly contributions. o o o o o

Governor’s Club Senator’s Club Representative’s Club Cabinet Member Other Amount

___$500+ ___$250 ___$120 ___$75 ___$___

or ___$42 a month or ___$21 a month or ___$10 a month or ___$7 a month or ___$__ a month

All fields required and must be reported to the Government Accountability Board: Name: __________________________________________________________ Agency: _________________________________________________________ Title: ____________________________________________________________ Business Address:__________________________________________________ City, State, Zip: ____________________________________________________ Phone: __________________________________E-Mail ___________________ Home Address: ___________________________________________________ City, State, Zip: ___________________________________________________ I Authorize IIAW to publish my name in IIAW publications as a IIAW Conduit contributor: YES or NO (circle one) NO CORPORATE CHECKS OR CREDIT CARDS We accept personal VISA, MasterCard, checks, and ACH withdrawals ACH Donation: Account #___________________ Routing #_________________ Bank Name:______________________________ Credit Card Donation #: _______________________________Exp. Date: _________ Billing Address: ______________________________________________________ Cardholder Signature: _______________________________________________ IIAW Conduit contributions or gifts to a political action committee are not deductible as charitable contributions for income tax purposes.

Questions: 608.256.4229 * 800.362.7441* FAX 608.256.0170 Please mail to: IIAW, 725 John Nolen Drive, Madison, WI 53713

What Would You Do If Your Agency Had A Data Breach?

80% of businesses fail to recover from a breach because they do not know this answer. Responding to a breach is a

complicated process that requires the assistance from many different professionals. Failure to notify the effected individuals “without unreasonable delay” could cost your agency up to $1,500,000 in fines from government agencies. Add this to the $200,000 average cost to comply with notification laws, the legal liability and the reputational harm caused by the breach and you can quickly see how this exposure can be devastating to your agency. Independent Insurance Agents of Wisconsin has partnered with Arlington/Roe & Co., Inc. to offer our members an exclusive program to help protect their agencies from information security breaches. This program is a holistic risk management process that will help train your staff on privacy compliance in addition to handling data breach notification and third party suits. This program offers the following benefits:

• • • • • • • • • •

Available To IIAW Members Only No Encryption Requirement HIPAA Compliance Tools Step-­‐By-­‐Step Procedures for Compliance Newsletters Data Breach Coach To Help With Notification Forensic Investigators Privacy Counsel Call Center Credit Restoration Services

• • • • • • • • • •

Up To 50% Off Premium IIAW Members Are Pre-­‐Qualified For Enrollment* On-­‐Line Compliance Materials Staff Training Programs Expert Support On-­‐Line Regulatory Fines and Penalties Public Relations Firms Notification Costs Outside Limit of Liability Credit Monitoring Security & Privacy Liability

*Some restrictions apply. Agencies over $5M in revenue, over 50% benefits or with prior losses need to be underwritten.

Companies with revenues less than $1,000,000

Option #1 $250,000

Option #2 $500,000

Option #3 $1,000,000

Notification Limit

25,000 records

25,000 records

25,000 records

Sublimits

Premium

$250,000 $250,000 $50,000 $250,000 $250,000 $250,000 $100,000 5,000 record

$257.50

$500,000 $500,000 $50,000 $500,000 $500,000 $250,000 $100,000 5,000 record

$1,000,000 $1,000,000 $50,000 $1,000,000 $1,000,000 $250,000 $100,000 5,000 record

Limit of Liability

Retention

(outside limit of liability) Notification Threshold Security & Privacy Liability Regulatory Def. & Penalties PCI Fines & Penalties Website Media Liability Cyber Extortion Legal & Forensics Public Relations Fraud Resolution

$2,500

100 records

$2,500

100 records

$515.00

less than 50% benefits

$2,500

100 records

$772.50

Binding Coverage is easy as 1,2,3 1. Choose the option number and premium from the chart on the left. This chart is for companies with revenues less than $1M. Make check payable to: Agents Assistance Corporation 2. Complete the application and addendum attached. 3. Attach the check to the application/addendum and mail to: Agents Assistance Corporation 725 John Nolen Drive Madison, WI 53713

If you would like additional information or if you have questions, please contact one of the people below: IIAW Program Administrator John Immordino Phone: 800.878.9891 Ext. 8732 jimmordino@arlingtonroe.com

Program Specialist Mary Morrison Phone: (608) 256-4429 mary@iiaw.com

Data Breach Program Pricing

Premium does include WI SL Taxes Companies with revenues from $1M to $2M* Option #1 Option #2 Limit of Liability $500,000 $1,000,000 Retention

Notification Limit (outside limit of liability)

$2,500

25,000 records

Notification Threshold

Option #3 $1,000,000

$2,500

25,000 records

100 records

$2,500

50,000 records

100 records

100 records

Sublimits

Information Security & Privacy Liability Regulatory Defense & Penalties PCI Fines & Penalties Website Media Liability

$500,000

$1,000,000

$1,000,000

$500,000 $50,000 $500,000

$1,000,000 $50,000 $1,000,000

$1,000,000 $50,000 $1,000,000

Cyber Extortion

$500,000

$1,000,000

$1,000,000

Legal & Forensics Public Relations Fraud Resolution

$250,000 $100,000 5,000 records

$250,000 $100,000 5,000 records

$250,000 $100,000 5,000 records

Premium less than 50% benefits

$566.50

$875.50

$978.50

Companies with revenues from $2M to $3M* Option #1 Option #2 Limit of Liability $500,000 $1,000,000 Retention

Notification Limit (outside limit of liability)

$2,500

25,000 records

Notification Threshold

Option #3 $1,000,000

$2,500

25,000 records

100 records

$2,500

50,000 records

100 records

100 records

Sublimits

Information Security & Privacy Liability Regulatory Defense & Penalties PCI Fines & Penalties Website Media Liability

$500,000

$1,000,000

$1,000,000

$500,000 $50,000 $500,000

$1,000,000 $50,000 $1,000,000

$1,000,000 $50,000 $1,000,000

Cyber Extortion

$500,000

$1,000,000

$1,000,000

Legal & Forensics Public Relations Fraud Resolution

$250,000 $100,000 5,000 records

$250,000 $100,000 5,000 records

$250,000 $100,000 5,000 records

Premium less than 50% benefits

$772.50

$978.50

$1133.00

* Companies with revenues of $3M or greater should contact Mary Morrison, Program Specialist, for more information. IIAW Program Administrator John Immordino Phone: 800.878.9891 Ext. 8732 jimmordino@arlingtonroe.com

Program Specialist Mary Morrison Phone: (608) 256-4429 mary@iiaw.com

AN OPEN LETTER TO IIAW MEMBERS -­‐ TRUSTEDCHOICE.COM POWERED BY PROJECT CAP: For more than 200 years, Independent Insurance Agencies have succeeded largely due to their ability to adapt to changes in consumer behavior and technology. Today, independent agents and the carriers they represent are once again challenged by the rapidly evolving commoditization of insurance and the increasing number of buyers who prefer to shop online for their insurance. As the marketplace continues to evolve and these companies begin to get more and more aggressive with taking their ͞ƉĞƌƐŽŶĂů ůŝŶĞƐ͟ ƐƚƌĂƚĞŐLJ ƚŽ ƚŚĞ ƐŵĂůů ĐŽŵŵĞƌĐŝĂů ŵĂƌŬĞƚ͕ ǁĞ ŵƵƐƚ ĂĐƚ ŝŶ ďŽƚŚ Ă ƉƌŽĂĐƚŝǀĞ ĂŶĚ ĚĞĨĞŶƐŝǀĞ ŵĂŶŶĞƌ͘ dŚĞ solution, Trusted Choice.com >Ğƚ͛Ɛ ďĞ ĐůĞĂƌ ĂďŽƵƚ ƚŚĞ ĨĂĐƚƐ͘ &ŝƌƐƚ͕ dƌƵƐƚĞĚ Śoice.com is not targeting the shop-­‐by-­‐ƉƌŝĐĞ ďƵLJĞƌ͖ ƐĞĐŽŶĚ͕ ƚŚĞƌĞ͛Ɛ Ă ďŝŐ ĚŝĨĨĞƌĞŶĐĞ ďĞƚǁĞĞŶ ƐŚŽƉƉŝŶŐ ĂŶĚ ďƵLJŝŶŐ͘ tŚĞŶ LJŽƵ ǁĂŶƚ ƚŽ ďƵLJ Ă ds͕ ǁŚĂƚ͛Ɛ ƚŚĞ ĨŝƌƐƚ ƚŚŝŶŐ LJŽƵ ĚŽ͍ ŽŵƉĂƌĞ ƉƌŝĐĞƐ online. You want to know about the different models, the options, and yes, the price Ͷ the benchmark price. We should have no problem with insurance consumers doing the same thing. Many traditional agency carriers are already experimenting online and investing in new digital distribution channels. Many recent news stories announced that Walmart and Overstock.com, to name just two, are entering the online insurance business. TrustedChoice.com is your answer to this increasing threat. Project CAP and the IIAW are excited to offer the TrustedChoice.com Advantage Subscription to ŝŐ ͞/͟ ŵĞŵďĞƌƐ͘ dŚŝƐ package provides your agency with an enhanced profile, visibility and unlimited exclusive leads through TrustedChoice.com. Signing up is quick and easy -­‐ visit www.projectcapmarketing.com today and complete the registration form. Already, there are more than 22,400 total agency locations, with 1,900+ independent agencies signed up for the Paid Advantage Subscription, and 43 insurance companies participating nationwide with more signing up each week. Both ĐŽŵƉĂŶŝĞƐ ĂŶĚ ĂŐĞŶƚƐ ĐĂŶ͛ƚ ĂĨĨŽƌĚ ƚŽ ďĞ ůĂƚĞ ĂĚŽƉƚĞƌƐ͊ dŚĞ ĂŐĞŶĐy system needs to work together to realize the enormous potential of TrustedChoice.com. The momentum of this online insurance platform is unmistakable with more than 184,000 (over 4,000 from WI) consumers visiting TrustedChoice.com each month. The ongoing Freedom of Choice digital ad campaign continues to drive strong traffic so that record-­‐setting pace will continue. In addition, the IIAW is investing more than $200,000 in traditional and digital advertising to drive consumers to TrustedChoice.com. The site averages over 3,000 leads per month, with a conversion rate on leads delivered exceeding 55%. Ultimately, the best reason for agencies to participate is to increase market share in personal lines, defend against the erosion of our stronghold in small commercial lines, and create a better online presence by equipping themselves with the tools to successfully compete in the digital era. The ongoing viability of the independent agency system depends on it, and I strongly encourage you to take advantage of this incredible opportunity. Sign up today at www.projectcapmarketing.com. Respectfully,

Matt Banaszynski Executive Vice President Independent Insurance Agents of Wisconsin

ALL THE BRANDING TOOLS YOU NEED TO LET CUSTOMERS KNOW YOU’RE FREE TO DO WHAT’S RIGHT FOR THEM.

IS YOUR INSURANCE AGENT TRAPPED?

INDEPENDENT AGENTS HAVE FREEDOM OF CHOICE.

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Find your independent agent. Find a better deal at trustedchoice.com

Free to do what’s right for you.

SM

LET’S TALK ABOUT WHAT FREEDOM OF CHOICE CAN DO FOR YOU. Jane Sullivan 800-123-4567

National Print Ads

Local Print Ads

Agency Self-Mailer

Agency Postcard Agency Letter

Local Agency Web Banner

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- To access the campaign materials, visit trustedchoice.com/agents For more information, contact Kevin Brandt at (800) 221-7917 x5414 or Kevin.Brandt@iiaba.net

Free to do what’s right for you.

SM

Marketing Reimbursement Program

2014 Trusted Choice® Marketing Reimbursement Program (MRP) Guidelines The following eight bullet points give an overview of the program. For additional details, links, scripts and/or notes for each of these points, refer the Additional Details and Notes section on page 3.

1) What is the Marketing Reimbursement Program? In order to deliver the brand experience to your customers consistent with Trusted Choice®, Trusted Choice® will reimburse a portion of expenses, up to $1,600, incurred in 2014 by Trusted Choice® agencies in co-branding materials such as advertising, business cards, letterhead, envelopes, agency signage and logo-wear; and in creating or updating a digital presence to include the Trusted Choice® logo, link to the Trusted Choice® website and Pledge of Performance. This is not meant to replace your agency’s brand, but to complement it by including the Trusted Choice® logo on these materials. Reimbursement will only be made for use of the Trusted Choice® logo…(not the IIABA association logo, which looks very similar). All reimbursements made will be according to the tiered schedule on page 5. There are four guiding principles of the Marketing Reimbursement Plan: Allows for any activity involving the Trusted Choice® logo in external messaging with consumer impact The application must provide reasonable documentation that an expense was incurred and paid The nature of the expense is reasonably correlated to the external messaging and promotes the Trusted Choice® brand to consumers.. The MRP will not reimburse ongoing expenses like website hosting/maintenance, directory listings or subscriptions to marketing services. 2) Am I eligible? The MRP is open only to agencies in good standing with Trusted Choice®. Agencies that have multiple locations can apply for each location separately, however, materials submitted for reimbursement to be paid or credited to an agency’s branch location must be shown to pertain to the branch location being credited with the expense. There are limited funds available; therefore, Trusted Choice® will offer reimbursements on a firstcome first-served basis until funds allocated to the MRP are exhausted. Provided funds are still available, you have through January 2015 to submit materials invoiced in 2014. 3) How do I apply? First, please review these guidelines. If you are unsure about an item or use of the logo, or want to get pre-approval of an item or proof prior to printing, email us at Trusted.Choice@iiaba.net. Then, fill out the application. Mail or email your application along with the required supporting materials.

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1/3/2014

Marketing Reimbursement Program 4) Which logo is reimbursable and where do I get it? Only the Trusted Choice® logo is eligible – the words “Trusted Choice” in the middle of the eagle swoosh: You can choose either the stacked or horizontal version. Use of one of the two “Independent Insurance Agent” taglines is optional. Be sure you follow all the logo guidelines. Logo files can be downloaded from www.trustedchoice.com/logo. A link to the logo guidelines is at the bottom of that page.

Note: The IIABA Association Logo is VERY similar (it also has an eagle swoosh and the same two colors), so be sure you are using the right one.

5) Can I get MRP dollars for co-branding my website or mobile app? The MRP will reimburse Trusted Choice® agencies 50% of the invoice amount up to $500 in total for expenses incurred, and invoiced, in 2014 for including Trusted Choice® on your agency website or mobile/smartphone app. To be eligible to receive reimbursement for your agency’s website it must incorporate the following three items: The Trusted Choice® logo: the logo can be used on any or all pages of the website.

Hyperlink to Trusted Choice®: your agency website can link to any page on the Trusted Choice® website; however, we have created a landing page specifically for this purpose. http://www.trustedchoice.com/pledgeofperformance.htm can be used to accomplish this requirement and this page does not include access to the agency locator. The Pledge of Performance: the Pledge of Performance is our promise to consumers. To be eligible for reimbursement your site must contain the Pledge of Performance, a dedicated page for the Pledge, or a link to the Pledge on the Trusted Choice® website. To be eligible to receive reimbursement for your agency’s mobile app, it must include the Trusted Choice® logo. 6) Can I get MRP dollars for co-branding promotional items? The MRP will reimburse Trusted Choice® agencies 50% of the invoice amount of co-branded promotional items incurred, and invoiced, in 2014 to a maximum of $500. 7) How do I use the FREE consumer content stream (RSS feed) on my website? Although not a requirement for the MRP, you can also include an optional syndicated content feed for your website. Trusted Choice® will automatically refresh content on your website if you choose to incorporate this feed. The articles contain topical insurance content that is seasonally appropriate and completely vetted for accuracy and readability. Once it is incorporated, there is nothing else you need to do. To include this refreshed content, ask your webmaster or web vendor to contact Kevin Brandt at Kevin.Brandt@iiaba.net.

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1/3/2014

Marketing Reimbursement Program Questions? For clarification, to request approval for additional items to be considered for reimbursement, or to send an advanced proof, please contact Trusted Choice® at Trusted.Choice@iiaba.net or 1-800-221-7917.

Additional Details and Notes The following information corresponds to the eight steps on pages 1 and 2, providing additional information and tips.

More about #1)

Additional notes about the Marketing Reimbursement Program

The MRP was created with the goal of helping agencies co-brand with Trusted Choice®. You may use the MRP for advertising and/or marketing materials including digital advertising. Even if your agency already has stationery and business cards with the Trusted Choice® logo and your website has the logo, the Pledge of Performance and the link for the Trusted Choice® website, your agency can still participate as you produce other promotional items or advertising with the Trusted Choice® logo. More about #2)

Eligibility

In addition to the requirements in bullet point 2, you may want to know how to find out if your agency has used your maximum allotment – or if your branches have applied. Contact Trusted Choice® at Trusted.Choice@iiaba.net or 1-800-221-7917. More about #3)

Applying for MRP

In order to be considered for reimbursement, a Trusted Choice® Agency must submit to Trusted Choice® the completed reimbursement request form located on page 6 of this document (or at www.trustedchoice.com/mrp), the approved design proof/sample/picture of the materials to be reimbursed/website URL, and an invoice or receipt showing proof of payment. Trusted Choice® reserves the right to deny any request for reimbursement that uses the Trusted Choice® logo in a manner that is not consistent with the Trusted Choice® Signature Guide or the guidelines of the MRP. Applications are considered in the order they are received. Allow a minimum of 8 to 10 weeks for processing, but be aware that it may take longer depending on volume of applications received at any given time.

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1/3/2014

Marketing Reimbursement Program More about #4)

The correct logo – the Trusted Choice® logo

Only the Trusted Choice® logo is eligible – the words “Trusted Choice” in the middle of the eagle swoosh. As with all uses of the Trusted Choice® logo, materials produced under the MRP must use the Trusted Choice® logo in a manner that is consistent with the guidelines set forth in the Trusted Choice® Signature Guide (http://na.iiaa.org/TrustedChoice2/Logos/TCLogoRules4-07.pdf). As described in the Signature Guide, the only permissible colors of the logo are: all black, all Trusted Choice® blue, black and Trusted Choice® blue, all silver or all white (on a dark background). The logo can be downloaded from www.trustedchoice.com/logo. Most vendors will request the .EPS version of the logo as it is a higher resolution and is easier for them to set up for your order. Please keep in mind that you will most likely not be able to open the .EPS files on your computer as it requires special software to do so; however vendors experienced in these services should have the needed software. You will need your username and password to gain access to the portion of the Trusted Choice® website where the logo and logo rules are maintained if you want to download them for your vendor. We advise you to provide your vendor with the logo as well as the Trusted Choice® Signature Guide to ensure that the logo is used correctly so that you can be reimbursed. If you do not have your username and password please email Trusted.Choice@iiaba.net with “Need Password” in the subject line so we can reply to your request. More about #5)

Logos and scripts for your web master when co-branding your website

Hyperlink to Trusted Choice®: your agency website can link to any page on the Trusted Choice® website; however, we have created a landing page specifically for this purpose. http://www.trustedchoice.com/pledgeofperformance.htm can be used to accomplish this requirement and this page does not include access to the agency locator. Website logos: Below you will find an example block to provide to your webmaster or web vendor to copy and paste into your website. This incorporates all three requirements listed above. To use the horizontal version of the logo:

<a href="http://www.trustedchoice.com/pledgeofperformance.htm" ><img src="http://www.trustedchoice.com/media/scaled.gif" style="border: 0" alt="Proud to be a Trusted Choice® Agency" /></a> To use the stacked version of the logo:

<a href="http://www.trustedchoice.com/pledgeofperformance.htm" ><img src="http://www.trustedchoice.com/media/scaled2.gif" style="border: 0" alt="Proud to be a Trusted Choice® Agency" /></a>

More about #6)

Working with vendors to co-brand promotional items

We recommend that you send Trusted Choice® a design proof prior to any work being done to ensure that the logo is used correctly. We reserve the right to deny reimbursement if the Trusted Choice® logo is not used according to the Trusted Choice® Signature Guide More about #7)

RSS feed – what’s the current month’s content?

The feed pushes articles that are listed at

http://www.trustedchoice.com/content.rss.xml . To see a member website containing RSS feed, go to: http://afsinsurance.com/articles.php

Page 4

1/3/2014

Marketing Reimbursement Program

Tiered Reimbursement Schedule In addition to the Tier 1 reimbursement provided by the MRP in previous years, in the 2014 MRP there will be additional options for your agency to be reimbursed as described below: Tier 1: The MRP will reimburse 50% of your total spent on allowable expenses to a maximum of $500. Tier 2: In addition to the $500 as part of Tier 1, you are eligible for an additional $350 reimbursement if your agency uses the advertising materials provided by Trusted Choice (located at www.trustedchoice.com/agents - in the “2014 – Current Campaign” folder of the file cabinet). To be eligible for Tier 2, the cost of the media for which these ads are used must be at least $350 and the MRP will not reimburse an agency for more than what was spent. Tier 3: Throughout 2014, Trusted Choice will purchase large blocks of wholesale digital media on websites focused on “in-market” consumers. Any agency wishing to purchase units of this media may do so at a cost of $2,250. Each unit is valued at $3,000 and will deliver approximately 600,000 consumer impressions. The MRP provides a subsidy of $750 to lower your cost to $2,250. The banner ads will be provided by Trusted Choice and customized with your agency’s information and will be targeted to your specific market. Trusted Choice will manage all tagging, placement and tracking on your behalf. The digital ads will link to either your website or your agency profile on TrustedChoice.com. For more information on this tier please contact Kiescha.Cherry@iiaba.net. An agency taking full advantage of all 3 tiers can be reimbursed to a maximum of $1,600 per calendar year. However, any agency may purchase 2 or more Tier 3 units of advertising at the full cost of $3,000. The wholesale digital media subsidy is provided on a “first-come, first-serve” basis and may be discontinued if the budgeted funds are depleted.

Page 5

1/3/2014

Marketing Reimbursement Program

2014 Trusted Choice速 Marketing Reimbursement Program (MRP) Application PLEASE REVIEW THE GUIDELINES FOR REIMBURSEMENT, INCLUDING THE CHANGES FOR 2014*. THEN COMPLETE ALL OF THE INFORMATION REQUESTED BELOW. TRUSTED CHOICE速 WILL NOT CONSIDER ANY REIMBURSEMENT REQUEST WITHOUT ALL REQUIRED INFORMATION AND MATERIALS. RETURN: THIS FORM, WITH ALL INFORMATION REQUESTED APPROVED DESIGN PROOFS FROM THE VENDOR or SAMPLE OF ITEMS COPY OF INVOICE or RECEIPT SHOWING PROOF OF PAYMENT (must be dated in 2014) DATE:_______________________ AGENCY NAME:______________________________________________________________

(Please print clearly the exact name that should appear on the check, as it appears in Trusted Choice速)

MAILING ADDRESS:_________________________________________________________________ CITY:______________________________________ STATE:_________ ZIP:____________ CONTACT:___________________________________________________________________ PHONE:___________________________ EMAIL:____________________________ TOTAL AMOUNT SPENT:_____________________________ REIMBURSEMENT AMOUNT SOUGHT:___________________________________ FOR WEBSITE REIMBURSEMENT PLEASE PROVIDE WEB ADDRESS: ____________________________ Additional Comments:

Send in this completed form and all required supporting materials to: Trusted Choice速, Inc. Attention: MRP 127 South Peyton Street Alexandria, VA 22314 Applications are processed in the order received. We accept applications for reimbursement through January 2015, provided invoices are dated 2014 - as long as funds allocated to the MRP have not been exhausted.

Page 6

1/3/2014

Wisconsin Independent Agent and Spotlight E-Newsletter

Advertising Rate Card Readership 6,500 Wisconsin Â˜ĂƒĂ•Ă€>˜Vi Ć‚}iÂ˜ĂŒĂƒ E /Â…iÂˆĂ€ Employees 1,000 -Ă•ÂŤÂŤÂœĂ€ĂŒÂˆÂ˜}

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Discounts

ÂœÂ?ÂœĂ€ VÂœĂƒĂŒĂƒ >Ă€i ˜œ˜‡ `ÂˆĂƒVÂœĂ•Â˜ĂŒ>LÂ?i° 15% discount to >`Ă›iĂ€ĂŒÂˆĂƒÂˆÂ˜} >}i˜VˆiĂƒ ÂœĂ€ 10% discount to a œ˜i‡Þi>Ă€ VÂœÂ˜ĂŒĂ€>VĂŒ Âœv ÂŁĂ“ insertions.

2/3 Page Vertical 4" x 9.75" . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $351 ÓÉÎ *>}i ÂœĂ€ÂˆâÂœÂ˜ĂŒ>Â? 8â€? x 6.75â€? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $351 1/2 Page Vertical 3.625â€? x 9.75â€? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $286 £ÉÓ *>}i ÂœĂ€ÂˆâÂœÂ˜ĂŒ>Â? 7.5â€? x 4.75â€? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $286 1/3 Page Vertical 3.25â€? x 9.75â€? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $216 £ÉÎ *>}i ÂœĂ€ÂˆâÂœÂ˜ĂŒ>Â? 8â€? x 2.75â€? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $216 £É{ *>}i ÂœĂ€ÂˆâÂœÂ˜ĂŒ>Â? 3.75â€? x 4.875â€? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $183 Inserts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $535 ÂœĂ•Ă€Â‡ ÂœÂ?ÂœĂ€ ­>Â˜Ăž ĂƒÂˆâiÂŽ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$665 additional -ii L>VÂŽ vÂœĂ€ `i>`Â?ˆ˜iĂƒ] Ă€iÂľĂ•ÂˆĂ€i“iÂ˜ĂŒĂƒ >˜` ĂƒÂŤiVˆwV>ĂŒÂˆÂœÂ˜Ăƒ vÂœĂ€ ĂƒĂ•LÂ“ÂˆĂŒĂŒÂˆÂ˜} ĂžÂœĂ•Ă€ ÂŤĂ€ÂˆÂ˜ĂŒ >`°

IIAW Ad Contract

725 John Nolen Drive, Madison, WI 53713 P: 608.256.4429 F: 608.256.0170 The company or individual listed herein contracts for space with the following terms in Wisconsin Independent Agent, the OQPVJN[ QHĆ‚EKCN RWDNKECVKQP QH VJG +PFGRGPFGPV +PUWTCPEG #IGPVU QH 9KUEQPUKP CPF QT 5RQVNKIJV VJG ++#9oU YGGMN[ G PGYUNGVVGT >“i Âœv Ć‚`Ă›iĂ€ĂŒÂˆĂƒiĂ€\ __________________________________________________ ÂœÂ˜ĂŒ>VĂŒ\ ______________________________________ Ć‚``Ă€iĂƒĂƒ\ ____________________________________________________________ *…œ˜i\ ________________________________________

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Wisconsin Independent Agent Print Magazine Specs

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Advertising Deadlines

Submitting Your Ads

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STAFF

CONTACTS Matt Banaszynski Executive Vice President Phone: 608.256.4429 E-mail: Matt@iiaw.com

Mary Morrison Administrator Insurance Services Phone: 608.210.2972 E-mail: Mary@iiaw.com

Samantha Jefferson Director Events, Marketing & Membership

Kim Kramp Financial Supervisor Insurance Services Support

Phone: 608.210.2977 E-mail: Samantha@iiaw.com

Phone: 608.210.2973 E-mail: Kim@iiaw.com

Eric Schwartz Communications Supervisor

Katie Goswitz Executive Assistant

Phone: 608.210.2976 E-mail: Eric@iiaw.com

Phone: 608.210.2971 E-mail: Katie@iiaw.com

725 John Nolen Drive, Madison, WI 53713  Web: www.iiaw.com  Phone: 608.256.4429  Fax: 608.256.0170

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