Learn to Spot Common & Costly Experience Mod Mistakes

New training from Insurance Journal's Academy of Insurance. Register today! Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. Practical Workers' Comp: The Experience Modification Worksheet Learn the who, what, when, why and how of experience modification. Who is eligible for or required to have an experience modification factor? What is an experience modification factor and why are they used? And the major question, "How are experience mods calculated?" The major focus of this class is on the "how." Students will spend the majority of this session studying the experience mod worksheet and learning the in's and out's of how the mod is calculated. Knowing this makes it easier to find the mistakes and help the client. Without this knowledge, you are at the mercy of the entity that develops the mod. Click Here to Register When you register, you get: Access to the live webinar Video and audio recordings, so you can watch or listen again Question & Answer session with the instructor Audio download of the webcast Presentation slides download Join us this Thursday, March 29th for this one-hour training webinar. (PLUS, all registrants will receive video and audio recordings of the webinar, so you can listen/watch again at your convenience.) Space is limited! Click Here to Reserve Your Spot! Regularly priced at $129.00, just $89 when you register today! (special pricing expires March 28th) Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x166. Date: Thursday, March 29th Time: 1:30pm ET / 10:30am PT Duration: 1 Hour Price: Save $40 until March 28th! Register today for just $89! Click Here to Register Instructor: Chris Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS Director of Education at Insurance Journal's Academy of Insurance More Great Training: Save big when you register for the complete Workers' Comp Series! APR 4: Succession Training (5-part series) - In this 5-part webinar, Kathy teaches you valuable skills to become a successful and effective leader. APR 4: Succession Training - Maximizing your Impact: The Art of Influencing Others - Do you know how to positively influence others in order to lead your team to success? APR 5: Understanding Cyber Liability Coverage - This class will cover in detail the history of cyber development, computer viruses, and identity theft. Cyber Liability addresses the first- and third-party risks associated with e-business, the Internet, networks and informational assets. Send to a Friend | Contact Us | Subscribe | Unsubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2012 by Wells Publishing, Inc.

Weekly Reader Picks: Monday, March 26, 2012

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March 26, 2012 Top 10 for the Past Week 1. Hartford Bows to Shareholder Paulson, Sells Most Life Insurance Units Mar 21, 2012 -- The Hartford Financial Services Group yielded to demands from its biggest shareholder, famed hedge fund manager John Paulson, and said on Wednesday that it would get rid of most of its life insurance-related operations. The Hartford, one of the ... 2. Legality of Employers Asking Job Applicants For Facebook Passwords Questioned Mar 22, 2012 -- In their efforts to vet job applicants, some companies and government agencies are going beyond merely glancing at a person's social networking profiles and instead are asking to log in as the user to have a look around. "It's akin to requiring ... 3. Ex-LSU Football Star Sues Over Insurance Policy Mar 19, 2012 -- A former Louisiana State University football player is suing his ex-financial planner for allegedly obtaining an inadequate insurance policy meant to protect the athlete in the event of a career-ending injury during his final year of college ... 4. Ratings Agencies Respond to The Hartford’s Plan to Exit Life Insurance Mar 21, 2012 -- In response to Hartford Financial Services Group Inc.'s planned exit from some of its life insurance business, Standard & Poor's Rating Services said it is downgrading the subsidiaries previously aggregated under Hartford Life, and assigning ... 5. Willis Among Targets of Stanford Third Party Class Actions Mar 20, 2012 -- Victims of Allen Stanford's estimated $7 billion Ponzi scheme won a victory when a federal appeals court said they may pursue class-action litigation against third parties they believe aided in the now-convicted swindler's fraud. The 5th U.S. ... 6. 6 Ways Supreme Court Could Rule on Healthcare Law Mar 21, 2012 -- The Supreme Court has several options in ruling on President Barack Obama's health care overhaul, from upholding the law to striking it down in its entirety. The court also could avoid deciding the law's constitutionality at all, if it finds the ... 7. 4 GOP-Appointed Justices Control Obama Health Law’s Fate Mar 20, 2012 -- Here's a thought that can't comfort President Barack Obama: The fate of his health care overhaul rests with four Republican-appointed Supreme Court justices. His most sweeping domestic achievement could be struck down if they stand together with ... 8. Florida Insurers Wary of PIP Rate Rollbacks Timed for October Mar 21, 2012 -- While state officials are widely praising Florida's new no-fault auto insurance law, insurers are wary of having to implement rate decreases before there is a corresponding drop in losses as the new law stipulates. The new law specifies that by ... 9. Hartford Moving Closer to Its P/C Roots But Not Severing All Life Ties Mar 21, 2012 -- The Hartford Financial Services Group Inc., under pressure to boost its stock price from hedge fund manager John Paulson, said it would get rid of most of its life insurance-related operations and focus on being a property insurance and group ... 10. Best Puts The Hartford and Subs Ratings Under Review Mar 22, 2012 -- A.M. Best Co. has placed under review with developing implications the issuer credit rating (ICR) of "bbb+" and the debt ratings of The Hartford Financial Services Group, Inc., as well as the ICRs of "a+" and the financial strength rating ... Popular Videos What D&O Buyers Look For In a Carrier In D&O, It's Not Always About the Money Subscriber Tools Send this to a friend Subscribe Unsubscribe Submit News Contact Us More Newsletters Choose Newsletters Daily Headlines Weekly Reader Picks Magazine Update Insurance Journal TV Classifieds Breaking News MyNewMarkets Daily Claims Daily Enter Your E-mail

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Why Injured Workers Become Addicts

New training from Insurance Journal's Academy of Insurance. Register today! Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. How Narcotics Relate to Workers' Comp According to the NCCI, Holdings Inc, Narcotics account for nearly 25% of all workers' comp prescription drug costs. Joe Paduda has designed the survey titled "Prescription Drug Management in Workers' Comp." This survey has been given annually over the past decade and the results may surprise you. During this webinar, Joe will be discussing the jaw-dropping costs associated with this trend, cost drivers, solutions and senior managers' views of this problem. Click Here to Register What you will learn in this webinar: Costs associated with drugs in the workplace Solutions to combat this problem Management's insight into this problem When you register, you get: Access to the live webinar Video and audio recordings, so you can watch or listen again Question & Answer session with the instructor Audio download of the webcast Presentation slides download Join us this Wednesday, March 28th for this one-hour training webinar. (PLUS, all registrants will receive video and audio recordings of the webinar, so you can listen/watch again at your convenience.) Space is limited! Click Here to Reserve Your Spot! Regularly priced at $129.00, just $89 when you register today! (special pricing expires March 27th) Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x166. Date: Wednesday, March 28th Time: 1:30pm ET / 10:30am PT Duration: 1 Hour Price: Save $40 until March 27th! Register today for just $89! Click Here to Register Instructor: Joe Paduda Expert in Workers' Comp w/ Deep Experience in Medical & Pharmacy Services. More Great Training: MAR 29: Practical Workers' Compensation: The Experience Modification Worksheet - Learn the who, what, when, why and how of experience modification and the major question, "How are experience mods calculated?" APR 4: Succession Training (5-part series) - In this 5-part webinar, Kathy teaches you valuable skills to become a successful and effective leader. APR 4: Succession Training - Maximizing your Impact: The Art of Influencing Others - Do you know how to positively influence others in order to lead your team to success? APR 5: Understanding Cyber Liability Coverage - This class will cover in detail the history of cyber development, computer viruses, and identity theft. Cyber Liability addresses the first- and third-party risks associated with e-business, the Internet, networks and informational assets. Send to a Friend | Contact Us | Subscribe | Unsubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2012 by Wells Publishing, Inc.

Breaking News: Hartford Bows to Shareholder Paulson, Sells Most Life Insurance Units

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March 21, 2012 Breaking News Alert Hartford Bows to Shareholder Paulson, Sells Most Life Insurance Units Read the full story The Hartford Financial Services Group yielded to demands from its biggest shareholder, famed hedge fund manager John Paulson, and said on Wednesday that it would get rid of most of its life insurance-related operations. The Hartford, one of the oldest companies in the United States and one of three insurers to get a government bailout during the financial crisis, said it would shut down its annuity business and pursue a sale or other options for its individual life insurance, retirement plan and broker/dealer businesses. Read the full story Send to a Friend Subscribe | Unsubscribe | Send to a Friend | Contact Us Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2012 by Wells Publishing, Inc.

No WC Coverage for Out of State Employees?

New training from Insurance Journal's Academy of Insurance. Register today! Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. Practical Workers' Compensation: When to Add Additional States Potential coverage limit gaps or the complete loss of coverage are possible when employees work in states in which the employer has no specific location. To avoid these gaps or the loss of coverage requires recognition of the problems and knowledge of the available solutions. This session highlights the problems, focuses on the solutions and provides guidelines and rules that should be followed in deciding to name a state. Click Here to Register When you register, you get: Access to the live webinar Video and audio recordings, so you can watch or listen again Question & Answer session with the instructor Audio download of the webcast Presentation slides download Join us this Thursday, March 22nd for this one-hour training webinar. (PLUS, all registrants will receive video and audio recordings of the webinar, so you can listen/watch again at your convenience.) Space is limited! Click Here to Reserve Your Spot! Regularly priced at $129.00, just $89 when you register today! (special pricing expires March 21st) Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x166. Date: Thursday, March 22nd Time: 1:30pm ET / 10:30am PT Duration: 1 Hour Price: Save $40 until March 21st! Register today for just $89! Click Here to Register Instructor: Chris Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS Director of Education at Insurance Journal's Academy of Insurance More Great Training: Save big when you register for the complete Workers' Comp Series! MAR 28: Use of Narcotics Growing in Work Comp Injury Management - Mr. Paduda will present the results of his Survey of Prescription Drug Management in Workers Comp, with particular focus on the overuse of opioids and the problems and costs associated with this trend. MAR 29: Practical Workers' Compensation: The Experience Modification Worksheet - Learn the who, what, when, why and how of experience modification and the major question, "How are experience mods calculated?" APR 4: Succession Training (5-part series) - In this 5-part webinar, Kathy teaches you valuable skills to become a successful and effective leader. Send to a Friend | Contact Us | Subscribe | Unsubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2012 by Wells Publishing, Inc.

Weekly Reader Picks: Monday, March 19, 2012

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March 19, 2012 Top 10 for the Past Week 1. Florida Passes PIP Reform Bill Mar 12, 2012 -- Gov. Rick Scott got the legislation he wanted to reform Florida's mandatory motor vehicle no-fault law and crack down on the abuses in personal injury protection cases that have led to skyrocketing increases for coverage. Whether the new measure ... 2. Update: Insurance Wholesaler AmWINS Is Recapitalizing: CEO DeCarlo Mar 13, 2012 -- The owners of AmWINS Group Inc., the largest wholesale insurance broker in the United States by premiums placed, have put the company up for sale, expecting a valuation of about $1.5 billion, three people familiar with the matter said on Tuesday, ... 3. ‘Super Losses’ in Healthcare Sector Growing in U.S.: Hiscox Mar 13, 2012 -- The overall cost and frequency of so called $50 million plus "super losses" in the U.S. healthcare insurance sector are on the rise. According to a report from specialist healthcare insurer Hiscox, the large losses keep on getting larger with ... 4. Commercial Lines Prices Up for 4th Straight Quarter: Survey Mar 12, 2012 -- Commercial insurance prices increased an aggregate 3 percent during the fourth quarter of 2011, the fourth consecutive quarter during which prices for all standard commercial lines rose. Additionally, earned price increases are beginning to offset ... 5. Liberty Mutual ‘Disappointed’ at $450M AIG Workers’ Comp Settlement Mar 14, 2012 -- Liberty Mutual said it will continue its legal fight even after a federal judge formally approved a $450 million workers' compensation class-action settlement between AIG and its rival companies. The class action alleged that American International ... 6. Departing Goldman Sachs Banker Slams ‘Rip-Off’ Culture Mar 15, 2012 -- Goldman Sachs faced an unprecedented assault from one of its own on Wednesday after a banker published a withering resignation letter in the New York Times, calling the Wall Street titan a "toxic" place where managing directors referred to their own ... 7. Millions in U.S. at Risk from Rising Sea Levels: Report Mar 15, 2012 -- Sea level rise due to global warming has doubled the annual risk of coastal flooding of historic proportions across widespread areas of the United States, according to a report from the non-profit research group Climate Central. By 2030, the report ... 8. Cost of Obama Healthcare Law Lowered Under Latest Congressional Analysis Mar 14, 2012 -- The estimated net costs of expanding healthcare coverage under President Barack Obama's landmark restructuring have been reduced by $48 billion through 2021, though fewer people would be covered under private insurance plans, a new analysis from the ... 9. Whistleblowers Reaping Rewards in U.S. Mortgage Suits Mar 15, 2012 -- Troubled homeowners are not the only ones set to get a financial lift from the U.S. government's $25 billion landmark mortgage settlement. Whistleblowers who were instrumental in revealing epidemic mortgage abuses, some of whom risked their careers ... 10. After Failure, MetLife Criticizes Federal Reserve Stress Test As Flawed for Insurers Mar 13, 2012 -- Citi, MetLife surprise with stress test failures March 13, 2012 7:50:53 PM BANKS/STRESSTESTS-FAILURES Citigroup and MetLife led a list of financial institutions that failed the Federal Reserve's latest round of stress testing Tuesday, a shock result ... Popular Videos What Happened with Securities Actions in 2011 Claims Rising for Private Company, Non-Profit D&O Coverage Subscriber Tools Send this to a friend Subscribe Unsubscribe Submit News Contact Us Free Webcast: Learn how to reach mobile consumers and social media users. Wednesday, March 28 Time: 11:00AM PT / 2:00PM ET More Newsletters Choose Newsletters Daily Headlines Weekly Reader Picks Magazine Update Insurance Journal TV Classifieds Breaking News MyNewMarkets Daily Claims Daily Enter Your E-mail

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Are you at the bottom of your Underwriters pile?

New training from Insurance Journal's Academy of Insurance. Register today! Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. Preparing an Underwriting Submission Do you work as hard to sell your underwriter as you do your client? The underwriting submission should be crafted with as much attention to detail and accuracy as is given to the prospect. Convincing the underwriter to give the best coverage and pricing options is as much or more important as convincing the prospect to let you be a part of the renewal process. Both require your full effort and a lot of hard work. Don't let your hard work selling to the prospect go to waste because you didn't pay enough attention to detail on your underwriting submission. A complete and accurate underwriting submission results in the most favorable coverage and pricing. Click Here to Register What you will learn in this webinar: Preliminary steps needed to prepare a complete submission including knowledge of carrier appetites and pricing strategies That a complete submission is more than an application The importance of conveying personal knowledge of the account When you register, you get: Access to the live webinar Video and audio recordings, so you can watch or listen again Question & Answer session with the instructor Audio download of the webcast Presentation slides download Join us this Wednesday, March 21st for this one-hour training webinar. (PLUS, all registrants will receive video and audio recordings of the webinar, so you can listen/watch again at your convenience.) Space is limited! Click Here to Reserve Your Spot! Regularly priced at $129.00, just $89 when you register today! (special pricing expires March 20th) Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x166. Date: Wednesday, March 21st Time: 1:30pm ET / 10:30am PT Duration: 1 Hour Price: Save $40 until March 20th! Register today for just $89! Click Here to Register Instructor: Rita Hollada, AAI, CPCU, CIC, CPIA Vice-President of The Insurance Professionals, Inc., a consulting and professional education group. More Great Training: MAR 22: Practical Workers' Compensation: When to Add Additional States - Potential coverage limit gaps or the complete loss of coverage are possible when employees work in states in which the employer has no specific location. To avoid these gaps or the loss of coverage requires recognition of the problems and knowledge of the available solutions. MAR 28: Use of Narcotics Growing in Work Comp Injury Management - Mr. Paduda will present the results of his Survey of Prescription Drug Management in Workers Comp, with particular focus on the overuse of opioids and the problems and costs associated with this trend. MAR 29: Practical Workers' Compensation: The Experience Modification Worksheet - Learn the who, what, when, why and how of experience modification and the major question, "How are experience mods calculated?" APR 4: Succession Training (5-part series) - In this 5-part webinar, Kathy teaches you valuable skills to become a successful and effective leader. APR 4: Succession Training - Maximizing your Impact: The Art of Influencing Others - Do you know how to positively influence others in order to lead your team to success? Send to a Friend | Contact Us | Subscribe | Unsubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2012 by Wells Publishing, Inc.

Breaking News: Insurance Wholesaler AmWINS Up for Sale: Sources

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March 14, 2012 Breaking News Alert Insurance Wholesaler AmWINS Up for Sale: Sources Read the full story The owners of AmWINS Group Inc., the largest wholesale insurance broker in the United States by premiums placed, have put the company up for sale, expecting a valuation of about $1.5 billion, three people familiar with the matter said on Tuesday. An auction for a majority stake in AmWINS, which owns brokerage, underwriting and group benefit operations across 21 countries, is underway and has attracted interest from private equity firms and strategic buyers, the people said. Read the full story Send to a Friend Subscribe | Unsubscribe | Send to a Friend | Contact Us Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2012 by Wells Publishing, Inc.

Work Comp: Employees, Contractors and Contractual Risk Transfer

New training from Insurance Journal's Academy of Insurance. Register today! Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. Practical Workers' Comp: Employees, Contractors & Contractual Risk Who qualifies as an "employee?" The answer can depend on statute, contract and the facts surrounding the relationship between the worker and the individual or entity making use of the worker's services. This session dissects employee/employer relationships to avoid surprises following a loss or at audit. Click Here to Register When you register, you get: Access to the live webinar Video and audio recordings, so you can watch or listen again Question & Answer session with the instructor Audio download of the webcast Presentation slides download Join us this Thursday, March 15th for this one-hour training webinar. (PLUS, all registrants will receive video and audio recordings of the webinar, so you can listen/watch again at your convenience.) Space is limited! Click Here to Reserve Your Spot! Regularly priced at $129.00, just $89 when you register today! (special pricing expires March 14th) Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x166. Date: Thursday, March 15th Time: 1:30pm ET / 10:30am PT Duration: 1 Hour Price: Save $40 until March 14th! Register today for just $89! Click Here to Register Instructor: Chris Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS Director of Education at Insurance Journal's Academy of Insurance More Great Training: Save big when you register for the complete Workers' Comp Series! MAR 21: Preparing an Underwriting Submission - Do you know how to get the most favorable consideration and pricing for your client? MAR 22: Practical Workers' Compensation: When to Add Additional States - Potential coverage limit gaps or the complete loss of coverage are possible when employees work in states in which the employer has no specific location. To avoid these gaps or the loss of coverage requires recognition of the problems and knowledge of the available solutions. MAR 28: Use of Narcotics Growing in Work Comp Injury Management - Mr. Paduda will present the results of his Survey of Prescription Drug Management in Workers Comp, with particular focus on the overuse of opioids and the problems and costs associated with this trend. Send to a Friend | Contact Us | Subscribe | Unsubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2012 by Wells Publishing, Inc.

Customized Presentations = More Commissions

New training from Insurance Journal's Academy of Insurance. Register today! Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. Customized Presentaions Equals More Wins and More $ Learn How to Use DISC to Win Business Have you ever wished a salesperson would just cut to the chase and tell you how much an item costs? Or have you ever made a significant purchase from someone only to wonder after the sale, "Will they remember my name tomorrow?" One of the most effective ways of connecting with a prospect or clients is to communicate to them in THEIR communication preferences, not yours. People buy from you when they like and trust you- when they "connect" with you. Join us this Thursday when Kathy Ryan, President and founder of Pinnacle Coaching Group, discusses the DISC personality behavior model and how, knowing your clients communication style, can immediately help you with developing a positive connection and delivering your message in THEIR communication style. Click Here to Register What you will learn in this webinar: Become familiar with elements of the DISC behavior model Learn how to determine a person's dominant DISC style Explore techniques that help you to more effectively communicate with each DISC style Receive specific action steps that help you to increase customer receptivity and improve your sales performance When you register, you get: Access to the live webinar Video and audio recordings, so you can watch or listen again Question & Answer session with the instructor Audio download of the webcast Presentation slides download Join us this Wednesday, March 14th for this 90 minute training webinar. (PLUS, all registrants will receive video and audio recordings of the webinar, so you can listen/watch again at your convenience.) Space is limited! Click Here to Reserve Your Spot! Regularly priced at $139.00, just $99 when you register today! (special pricing expires March 13th) Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x166. Date: Wednesday, March 14th Time: 1:30pm ET / 10:30am PT Duration: 90 Minutes Price: Save $40 until March 13th! Register today for just $99! Click Here to Register Instructor: Kathy Ryan President of Pinnacle Coaching Group and expert in effective communication. More Great Training: MAR 15: Practical Workers' Compensation: Employees, Contractors and Contractual Risk - Who qualifies as an "employee?" This session dissects employee/employer relationships to avoid surprises following a loss or at audit. MAR 21: Preparing an Underwriting Submission - Do you know how to get the most favorable consideration and pricing for your client? MAR 22: Practical Workers' Compensation: When to Add Additional States - Potential coverage limit gaps or the complete loss of coverage are possible when employees work in states in which the employer has no specific location. To avoid these gaps or the loss of coverage requires recognition of the problems and knowledge of the available solutions. MAR 28: Use of Narcotics Growing in Work Comp Injury Management - Mr. Paduda will present the results of his Survey of Prescription Drug Management in Workers Comp, with particular focus on the overuse of opioids and the problems and costs associated with this trend. MAR 29: Practical Workers' Compensation: The Experience Modification Worksheet - Learn the who, what, when, why and how of experience modification and the major question, "How are experience mods calculated?" Send to a Friend | Contact Us | Subscribe | Unsubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2012 by Wells Publishing, Inc.