09-11 6 12

SUMMER RISKS
6
Great
Chicago Fire
09-11
TIPS VOICES
12
A MADISON COLLEGE PROGRAM PUBLICATION
Tomorrow’s
Insurance
Professionals
ISSUE 4 | May 2013
Imagine a career where
the only thing holding
you back is untapped
potential.
As a Northwestern Mutual Financial Representative, you’ll go as
far as your potential can take you. And you’ll have the backing of
a leading financial organization that truly values the
entrepreneurial spirit, one that’s earned the top ranking in its
industry in Selling Power magazine, to help you do it.
Joshua Kosnick
CLU®, ChFC®
Managing Director
joshua-kosnick.com
05-2823 © 2012 Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) (life and disability insurance, annuities) and its subsidiaries. Northwestern Mutual Investment Services,
LLC (NMIS)
2 (securities), a subsidiary of NM, broker-dealer, registered investment adviser, and member of FINRA and SIPC. Joshua Steven Kosnick, District Agent(s) of NM. Managing Directors are not in legal partnership with each other, NM or its
affiliates. Joshua Steven Kosnick, Registered Representative(s) and Investment Advisor Representative(s) of NMIS. “50 Best Companies to Sell For” November 2011.
Tomorrow’s Insurance Professionals
FOCUS ON THE FUTURE
04–05
06–07
09–11
12–14
15–17
INSURANCE and RISK
GREAT CHICAGO FIRE
Dr. Bettsey Barhorst President
Terry Webb Vice President, Learner Success
Turina Bakken Associate Vice President,
STUDENT VOICES
Learner Success
Bryan Woodhouse Dean,
School of Business & Applied Arts
Denise Reimer Associate Dean,
School of Business & Applied Arts
STUDENT SUCCESS
Kathy Sorenson Associate Dean,
School of Business & Applied Arts
Robert Dinndorf Executive Director,
Foundation
FALL SCHEDULE
20
Martha Lester-Mittenzwei MBA, AAI, AIC,
CIC, Insurance & Risk Management
Program Director
TIPs is issued 2xs annually, April and October.
All profits are returned to the Insurance & Risk
Management Scholarship and Professional
Development Fund for students.
To support and encourage the students through
advertising, contact Martha Lester-Mittenzwei,
Insurance & Risk Management Program
Director, [email protected]
or 608-243-5417 for information and rates.
Volume 004 Copyright 2013
http://madisoncollege.edu/program-info/
insurance-certificate
Follow the students on Facebook: Insurance
& Risk Management Program, Madison College
Cover Image: Chicago in Flames: Scene at
Randolph Street Bridge, by Currier and Ives,
1871 (from Library of Congress).
Magazine template design by Ethan Frame
Page layout and production by Ingrid Slamer,
Graphic Design Program, Madison College
Additional Images: Creative Commons and
Dreamstime.com
Disclaimer: The information provided in the
articles is based on students’ learning and interpretation and does not constitute legal advice.
Readers are advised to conduct their own due
diligence on information prior to implementation
or reliance upon any material provided.
Staying true to our vision!
I was privileged to accompany a class
to a Risk Management Society (RIMS)
meeting in Wauwatosa. I made three
observations about the trip:
•Trips like this give depth to the discussions that occur during class. During the
presentation, instructor Martha LesterMittenzwei asked students about the
concepts being discussed. On the trip
home, these discussions continued, and
students made real-life connections to
the cases presented. We even tackled
Obamacare and drunk-driving laws!
•Students practiced soft skills necessary
for success in any professional situation.
Some were initially hesitant to participate in the “meet and greet” portion of
the meeting, but Martha made a point
to introduce students to people from a
variety of fields.
•The students from Madison College
were the only students present. Excellent
and passionate instructors like Martha
combined with an institution committed
to experiences beyond the classroom
help provide our students with an
unparalleled educational experience.
Thanks to all those who help
our students have these experiences,
whether through direct donations to the
Insurance and Risk Management program, advertising in editions of TIPS,
or participating in other ways through
the program. Your efforts help Madison
College stay true to its vision, “transforming lives, one at a time.”
— Kathy Sorensen
A ssoci at e Dea n
Busi n ess a n d A ppl i ed A rts
3
F O C U S
O N
T H E
F U T U R E
EDUCATION­—MORE THAN A TEXTBOOK
Martha Lester-Mittenzwei
Insurance and Risk Management Program Director
E
ducation at Madison College is more than a
text book. This college is focused on bringing
the real world into the classroom and taking the
student out into the industry they hope to be a part
of. As you will see from the students’ writings, we
were able to attend quite a few insurance and risk
management programs this semester. The graciousness of our industry in particular has offered
students experiences that they cannot receive in
the classroom. I have to admit, I truly enjoy seeing
our luncheons, conferences, and offices from their
perspective and I’m sincerely appreciative that the
insurance and risk management industries are so
welcoming of the students.
The outreach to offer these bright, ambitious,
knowledgeable students internships is also amazing. As I write this, several insurance students are
waiting for call backs on second interviews and
internship offers.
With each course, we look at a piece of insurance history. This semester, students in Intro to
Loss Investigations were introduced to The Great
Chicago Fire of 1871. Not only was it a disastrous
event but that devastation changed our industry in
a very positive way. The students (and our industry)
learned a lot about geographical diversification of
risks, loss ratios, rating factors, and the importance
of financial stability through this tragedy. Insurance
was no longer about who could sell the most policies by offering the lowest rates but more about
how to establish reasonable premiums so there
would be money to pay potential losses. Cooperative price setting by local boards allowed for more
adequate, stable rates to be set. By pooling the
knowledge of local agents with subjective data,
more realistic insurance premiums could be set;
the role of today’s actuary.
Building construction also changed for the
better. Fire resistant materials created safer environments for businesses and homes. This not only led
to longevity of real property and the creation of multistories but to lower premiums. This saved lives.
Of course, we also learned from the perseverance of the people who inhabited that great city at
the time. To lose everything, start over, and build
Chicago back was incredible. In the media of the
1800’s, how did they get the world to help them?
Above: Jason Gates from Risk Insurance Management Society WI Chapter presenting a $2,000.00 scholarship to the College.
4
Martha Lester-Mittenzwei is the Insurance & Risk Management Program Director. An alumnus of Madison College, Martha
returns with over 30 years of industry experience and a Masters of Business Administration, with a double emphasis in Insurance & Risk Management and Human Resources, from Concordia University. She has earned her Associates in Claims, Accredited Advisor in Insurance, and Certified Insurance Counselor Designations. Martha can be reached at 608-243-5417 or email
[email protected].
Martin Luther King Jr. once said, “We must accept
finite disappointment, but never lose infinite hope.”
That message echoes in what is Chicago today.
As we finish up another school year, and
approach summer break, we have also been discussing the risks that increase during those warm
months; host liquor liability for graduation parties
and gatherings, watercraft exposures, recreational
vehicle usage, weather damage to homes, and so
on. This presents a great opportunity for students
to apply risk management strategies to every-day
life. In addition, the importance of reading and
understanding one’s insurance policies is recognized. Suddenly, there is a realization that the
exposure exists, the negative impact it can have,
and how these studies apply to us all.
It is difficult to get non-insurance students to
think about insurance and risk management as
careers but once they take a class, they consistently comment “I get this”, “This makes complete
sense”, “I didn’t know THIS is what insurance is”,
and they want to learn more. My students started a
Risk & Insurance Club this semester to offer other
students an opportunity to gain exposure to these
great industries.
As those of us in the “baby-boomer generation” watch our friends and co-workers retire, we
realize the need to pass the challenges and excitement of this industry on to the next generation
and to find those willing to accept the challenge.
Thank you for your gifts of scholarship money,
your extension of offers to bring the students to
your conferences, lunches, programs, and offices,
and for helping me to show this next generation of
learners the fabulous potential that awaits them in
insurance and risk management careers.
Greetings from President Barhorst
Bettsey L. Barhorst, PhD
President, Madison College
T
he theme of this edition of TIPs is risk taking. Sometimes, risk taking has everything to do with
courage and bold vision. Here’s an example: This year, Madison College is opening four new
buildings at our Truax campus. Those are in addition to the extensive renovations at each of our
regional campuses in Fort Atkinson, Portage, Reedsburg and Watertown. They’re all part of the College’s $133.7 million “Smart Future” building plan approved by the voters of our district in 2010.
As we open our new facilities, I’m reminded that “risk” was an important factor that weighed heavily into the College’s decision to proceed with the referendum in the first place. We considered the risk of
asking voters—in the midst of the greatest economic downturn since the Great Depression—to support
the construction of state-of-the-art facilities in which our students would receive the training and education that employers are seeking. But when weighing risks, one must also consider potential benefits.
Fortunately, taxpayers chose to accept that risk, because students at Madison College will continue to be equipped with the advanced technology, tools and instruction they need to be successful
in the workplace. It’s a risk that will pay dividends for the students we serve, the employers who hire
them and the communities they’ll call “home.” Thank you for your continued friendship and support
of Madison College.
5
I nsur a nce
summer safety
After a long, cold winter, it’s time to think about
summer; vacations, kids out of school, back yard cook
outs, graduation parties, family reunions and more.
You want be sure you’re ready and covered with the
appropriate insurance to avoid any type of loss that
could occur.
Under a standard homeowner’s insurance policy,
items such as gas grills, swimming pools, swing sets,
tree houses, trampolines, outdoor furniture, bicycles,
camping equipment and cameras are covered. It is
still very important to keep your insurance company
and agent updated as to new, larger purchases so you
have adequate coverage in the event of a loss.
a loss
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6
what about fido?
A
ll of my life I have considered myself somewhat of
an animal lover. I feel strongly that animals, particularly our “pets”, deserve our care and our responsibility
once they become in our possession. I’ve been in a
situation in which I’ve seen the struggle in being able
to pay the pet’s medical bill versus the costs of having
an animal euthanized. Are we, as humans, extending
the quality of life these animals have or are we just
prolonging their death and keeping them in pain due
to our own selfish desires? Would pet insurance help?
Is it worth it?
Many American pet owners today consider their
pets to be part of the family; another child even. If that
statement is true then why, according to the American Animal Hospital Association, do only 3% of current pet owners hold some sort of medical insurance
policy on their beloved animals? Consumer Reports,
in August 2011, reported on the cost versus the payout of pet medical insurance. In the majority of cases,
they determined, the pet owner would have paid
more for the insurance than the policy would have
paid out over the lifetime of the pet. It wasn’t until
potentially serious illnesses were factored in that
some of the policies would have been a benefit to the
pet owner.
This research shows that even if you are incredibly wealthy, taking out an insurance policy on your
pet is just a roll of the dice. However, isn’t it the piece
of mind that we are looking for? If you love Fido as
your own child what is the difference between little
Billy falling out of backyard tree fort and old Yeller
eating the remote and requiring stomach surgery? If
your pet is over the age of ten and has serious medical bills adding up to thousands of dollars and it only
costs five-hundred dollars to put him down, how
quick are we to fork over the thousands?
In my opinion it’s like all other things, a matter of choice. Judging by the facts and figures most
people are not losing sleep at night over the fact that
their pet is not insured. It seems as though if your
pockets are deep enough to be able to afford a policy
on your pet, then it shouldn’t be a problem to pay the
veterinarian on the rare circumstance that something major happens with Fido.
LuAnn Kranz is enrolled in the Insurance & Risk Management Certificate Program. She had previous industry experience before
switching careers and is back taking classes to brush up on her knowledge and get back into insurance. Derek Schwenn is a
Finance Major, graduating in May 2013, with an Insurance & Risk Management Emphasis. He plans on returning in Fall 2013 to complete the Insurance & Risk Management Certificate.
RIMS reviews
Insurance Law
The RIMS Association held a luncheon at Maggianos in Wauwatosa Wisconsin, the purpose of
which was to review the Wisconsin Insurance Coverage Law by presenting and explaining outcomes
of several unique cases seen in the court system
during 2012. Jeffery Davis, Natalie Maciolek, and
Patrick Nolas presented three categories: claimshandling practices, advertising/personal injury
coverage, and construction defect coverage, covering the broad spectrum of changes in Insurance
Risk Management and the law over the past year.
Jeffery gave an overview of key coverage decisions that had taken place in 2012. He explained
how communication between insurers and policy
holders is becoming even more critical in the insurance world as different means of technology make
it easier to communicate with each other, but not
necessarily in an efficient manner. The insurance
companies do themselves a favor by acknowledging the policy holder’s needs and by defending the
insured when there are coverage disputes. Insurance companies have made significant changes
based on new laws concerning the areas of environmental, construction and advertising issues
based on the outcomes of cases, however there
were no significant changes in the area of claims.
The first big change came in the category of
how an insurance company handles reserving
its rights when investigating a claim. Maxwell v.
Hartford Union High School District is an example
of an insurance company whom defended the
insured; Hartford Union High School District, and
later denied coverage. The decision was upheld
and Maxwell was legally able to deny coverage
after defending the insured, although a reservation
of rights letter was not issued. This is significant
because insurance companies are not stuck covering claims not covered under an insured’s policy.
The second big change was in environmental
claims. In the case Miller v. Safeco Insurance Co.
of America, the insurance claim ended up being
settled in favor of Miller. The insured purchased
a home and on the same day they purchased a
homeowners policy. The policy was not delivered to the insured for another two months. Five
days after purchasing the home the insured discovered water infiltration. Their claim was denied
based on alleged pre-existing conditions and
exclusions. The courts ruled in the favor of Miller
because the insurer cannot deny coverage based
on undisclosed exclusions. Since the insured had
not received the policy at the time, they didn’t have
a copy of the exclusions.
The next change was in the area of advertising. Sawyer v. West Bend Mutual Insurance
Co was a case about junk faxes being sent as a
means of advertising. It was claimed that the
policy covered junk faxes because they violate a
person’s right to privacy. Wisconsin courts agreed
with this action and stated that junk faxes violated
a person’s right of seclusion. However, the Seven
Circuit Court ruled and reversed the findings.
There were numerous other cases not mentioned here covered by the speakers at the RIMS
luncheon, which explained different issues that
needed to be solved. However insurance is an
ever changing market and the courts will continue
to be involved to protect both the insurers and the
insured.
Lance Gruenke has a Bachelor’s Degree from the University
of Wisconsin-Oshkosh with a Double Major in Economics and
History. Lance is enrolled in the Insurance & Risk Management Certificate, through which he has obtained a position
as an Underwriting Technician IV at NSI – A Division of West
Bend Mutual Insurance Company in Middleton. Lance is also
the President of the Madison College Risk & Insurance Club.
7
R
U
O
Y
S
I
T
A
H
W
IAL
C
N
A
FIN
?
IQ
Imagine you’re on a TV quiz show. The host turns to you
and offers a list of topics, one of which is Your Personal
Finances. Based on your knowledge, is this a category
you would choose?
If you answered no, you’re not alone. Four out of five
Americans admit they know more about a variety oftopics
than their own finances. That’s about the same share that
would choose to answer questions about subjects far less
personal, such as current events, entertainment, or science
and technology.
These results were gathered as part of a research
study, sponsored by Northwestern Mutual, to
help gauge the American public’s overall financial
knowledge – as measured by a financial IQ index –
and its understanding of insurance products.
For me, the results were a powerful reminder
of the reason I make it a point to help clients fully
understand their personal finances, so they can
make the informed choices that are right for them.
The survey found that some basic financial concepts are well-understood, including the
best way to minimize losses in investments (88%
answered correctly), asset allocation (79%), and
dollar-cost averaging (57%). Likely because of
their self-explanatory names, high numbers of
Americans also recognize what disability income
insurance and long-term care insurance are
designed to do.
More often than not, however, Americans fail
to understand many key financial concepts – like
the average inflation rate over the past decade
(known by about one in three), or the product that
has traditionally mitigated inflation risk the best
(less than one-third answered correctly). The lack
of financial knowledge appears to be particularly
acute when it comes to permanent life insurance,
as only a small percentage of Americans seem to
know even the basics of this type of risk protection.
Knowledge is power, though – and Americans
recognize it. Nearly eight out of ten consumers feel
the need to learn as much as possible about their
personal financial situation. I’ve certainly seen this
to be true in my practice.
8
As for where they find that information and
whom they trust, I was glad to learn that, when
asked to rate the reliability of several sources of
financial information, Americans rated financial
advisors as the most reliable source.
Are you curious what your financial IQ might
be? Find out by completing the survey at http://
financialmattersquiz.com/.
About the research
On behalf of Northwestern Mutual, independent
research firm Mathew Greenwald & Associates,
Inc. conducted an online survey of 1,664
Americans ages 25 to 65, between June 1 and
June 8, 2010. Study participants were members of
Synovate’s leading Global Opinion Panel. Survey
data were weighted by gender, age, education,
and household income to reflect the makeup of
the U.S. population ages 25 to 65. Population
statistics were based on data from the 2008
Current Population Survey.
Article prepared by Northwestern Mutual with the cooperation of Joshua Kosnick. Joshua Kosnick is a Managing
Director with Northwestern Mutual the marketing name for
The Northwestern Mutual Life Insurance Company (NM), Milwaukee, Wisconsin, and its subsidiaries. Joshua Kosnick is an
agent of NM based in Middleton, WI. To contact Joshua Kosnick, please call (608) 836-3080, e-mail at joshua.kosnick@
nmfn.com or visit nmfn.com/kosnickgroup. This information is
not intended as legal or tax advice.
18
71
In 1871 Chicago was primed and ready for a fire the size that was never seen before. The
city was growing at a rate faster than ever before and few safety measures were used in
the construction of new roads, building and bridges. Combined with the large amounts of
combustible materials, dry and hot weather created a powder keg ready to explode at any
moment. The factors that played into the fire were significant and nothing could have prevented the fire from occurring on that fateful day in 1871.
(Top) Chicago in ruins after the
The Great Chicago Fire of 1871.
(Below) Devastation on the corner
of Dearborn and Monroe Streets
The way the buildings were constructed played a duel role. It helped save people’s lives
while allowing the spread of the fire from building to building to be faster than people could
run. Chicago was built as a grid city. Each block consisted of a standard measurement from
one corner to the next and in straight lines leading out to the edges of the city. This method
of building provided people with an easy and accessible way to exit the city once the fire
had started. However, the materials that the buildings and roads were made out of led to
the destruction of the city. All the buildings were built out of wood frames, and few had fire
resistant walls or roofs. Chicago travel ways consisted of over fifty-five miles of wood planked
roads and wooden bridges which spanned the river. Roofs were constructed out of a combination of tar and pine chips which was easily ignitable. The flames were easily caught by
the breeze carrying the fire from one building to the next. The buildings and everything in
them were highly flammable, making it difficult to stop the spread of a fire once it started.
The weather contributed to the city being a tinder box ready to explode. In 1871 Chicago had received only about five inches of rain between July and September. This amount of
rain is about half of the average precipitation this region receives on a seasonal basis. The
city became exceptionally dry putting their buildings, made out of the flammable materials,
in great danger. It was only a matter of time before Chicago had a large fire, like New York
and Philadelphia before it.
Once the fire had started it spread quickly from building to building. Within the first
twenty minutes the fire engulfed two square blocks. The conditions were right for the fire to
spread quickly and destroy everything in its path. The dry wood and combustible materials
in the homes provided the fuel for the fire and a north easterly wind provided easy movement for the fire. Combining the factors of a large city built with wood, the weather being
hot and dry for an extended period of time, and a people that relied on open flames for daily
needs it was only a matter of time before a massive fire would engulf the city.
Lance Gruenke has a Bachelor’s Degree from the University of Wisconsin-Oshkosh with a Double Major in
Economics and History. Lance is enrolled in the Insurance & Risk Management Certificate, through which he
has obtained a position as an Underwriting Technician IV at NSI – A Division of West Bend Mutual Insurance
Company in Middleton. Lance is also the President of the Madison College Risk & Insurance Club.
9
18
71
Great ChicaGo Fire
the cause of the fire has centered By 1871 Chicago’s Fire Department About two hundred fire
on the idea of an oil lantern tipping over
inside of a barn while a cow was being
milked. This seems very unlikely and
almost unfeasible. The time of day was
not typical of cow milking because it is
normally done in the morning. Another
factor in the spread of the fire was the
incorrect routing of an emergency call
placed near the suspected origin. It is
unfortunate that at this time the fastest growing city in the world was being
pushed to its limits in terms of government employees who were available to
service the communities that surrounded the main downtown of the city.
—Adrian Holtzman
In Chicago in 1833, a company
called Washington Volunteers was used
to protect properties from fires. The first
year fire ordinances were passed, the
Fire Warden was responsible for making monthly inspection of all stovepipes.
They had to be guarded by tin or iron six
inches from the wood. If they didn’t pass
the inspection, property owners would
be fined $5.
When there was a fire, the warden
could call on citizens to help put out
the fire. In 1835, The Fire-Bucket Ordinance had required that every occupant
and store owner have a certified leather
water fire-bucket with the owners initials painted on it. This bucket had to
be hung within easy reach for anyone to
get to. —Casey Ellarson
10
was considered one of the most modern. They had seventeen steam driven
fire engines, four hook and ladder wagons and twenty-three horse carts. Fire
alarm boxes were throughout the city.
A watchman was posted on top of the
court house to look for fires and ring the
bell when he saw one.
That October Chicago had four
fires on the first, five fires on the second
and six fires on the third. On the seventh, a fire burned out of control until it
consumed four blocks of the city.
The fire that destroyed the city
started on October 8th at 137 Dekoven St.; Patrick O’Leary’s barn. The
fire spread from the West to the South
and then to the North side. Fire fighters’
efforts were hampered by the fleeing
population and looting. Once the water
tower pumping station burned, they
were out of water.
The fire destroyed eighteen thousand buildings and seventy roads. It
left a hundred thousand homeless and
more than two hundred million dollars in
damages. —Ed Moe
Hot air rose from the flames and
mixed with cool air above it, creating
conversion whirls (also called fire devils).
The conversion would pick up a burning
piece of wood and send it flying. New
fires started where the flaming objects
landed.—Serge Bamana
insurance companies did business in
Chicago at the time of the fire. Sadly, the
fire left sixty eight of the insurance companies bankrupt. The fire exposed the
inadequacy of insurance rates forcing
new regulations, and a new way to set
rates. The fire also exposed a desperate
need to use new and improved fire retardant construction material.
—Mike Swenson
Once the fire had died out Chicago began rebuilding immediately.
Some folks even say that bricks were
still smoking from the fire and were
being used to build new structures.
Committees were being formed before
the fire had even completely died out.
A year later over fifty million dollars of
new buildings had already been erected.
Between 1872 and 1879 over ten thousand construction permits had been
issued. Chicago had really used this fire
to become an economic hub once again
for the Northwest.
In 1874 another fire destroyed a
dozen blocks and caused a scare for
insurance executives. Ultimately this
led to pressure from insurers to be more
stringent on regulations, and more thorough with safety inspections. Improvements in fireproofing systems were an
important prerequisite for the age of the
skyscraper. Without these regulations
who knows how Chicago would have
ultimately recovered from these disastrous events.—Joshua Banks
By the late 1800’s Chicago was
one of the most fireproof cities in the
United States. The use of steel instead
of iron came into the focus of engineers
which in turn allowed buildings to be
taller and stronger. Steel was used in
the construction of the Home Insurance
Building, which is considered as the
“world’s first skyscraper”.
—Derek Schwenn
hand pumped hoses, and a few steam
powered pumpers were used to stop
the Chicago fire. Being a small town,
Peshtigo did not have the fire protection
that they did in Chicago.
There had been a severe drought
that year making everything vulnerable
to fire. Extremely high winds played a
major role in the devastation and loss
for both. The strong fires produced
their own extreme winds making them
uncontrollable.
Although Chicago was considered
the worst of both fires, Peshtigo had the
biggest loss. More than 2,400 square
miles had burned in Peshtigo and an
area of 4 miles by 1 mile had burned
in Chicago. 1,800 people were killed
in Peshtigo which was five times more
than the 300 deaths in Chicago.
On October 8, 1871, there were
actually two major fires; Chicago, and
the forests and small town of Peshtigo in
northern Wisconsin.
There were several similarities to
the “Fire Storms”, as they were later
called. There had been several small
fires that had broken out leading up
to the major fires on October 8th. In
—LuAnn Kranz
Peshtigo, lumbermen would burn the
leaves and branches of the trees that
had been cut and used the fire to keep
warm at night. The fires would be left to
burn after the men had left for another
site to cut. In Chicago, the fires were
small enough to be contained by the fire
departments.
Another similarity was the building materials used at that time. Wood
was used for everything; homes, streets
and sidewalks. In Peshtigo, the wood
cut from the forest was readily available
for building houses, barns and businesses. Both Chicago and Peshtigo
were built along rivers. The fires were
so strong that both jumped the banks of
the rivers and kept on going. Buckets,
Artefacts from the Chicago
Museum of History—
(above) a fire alarm box from
1871, and (left) a map indicating the extent of the fire in
Chicago (blackened area)
(top) Chicago after the Chicago
Fire, 1871, attributed to George
N. Barnard (1819 - 1902,
American photographer)
11
T i p s
V oices
Chicago trip
inspires and
educAtes!
I
would like to say that I have never been in a
college class that took a field trip before, but
the trip we went on in the Intro to Loss Investigations class this spring was awesome! I really
liked that our entire class attended, that we were
introduced at the National Association of Mutual
Insurance Companies conference, and we made time to go learn about the history of the Chicago Fire.
I was lucky to be in a class with wonderful people who were genuinely interested in insurance and
risk management. The interesting dynamic that is created through the Tele-Presence room is unique and
it makes it feel like you are part of some kind of TV show when you are in class. One of the main reasons
everyone attended a four hour class starting at 8:30 am on a Friday was our instructor Martha. Martha
has one of the best personalities I have ever encountered and everyone appreciates her help.
When we arrived at the conference, Martha made sure that we were announced to the entire room
as the group of students from Madison College. This kind of introduction lets you know what kind of
person Martha is and how much she cares about her students. The entire room of successful insurance
industry professionals turned and greeted us, it was very powerful and we learned a lot about working in
the insurance industry.
After the insurance seminar, we headed over to the Chicago History Museum and our guide
explained the truth behind a topic we had been investigating all semester: The Chicago Fire. We were
able to learn important details that really helped our class understand the importance of this event to the
future of the insurance industry. We learned about critical issues that arose due to the nature of the loss
and how that changed the city of Chicago which was the fastest growing city in the world at the time.
This was the BEST college field trip I have ever been on!
Adrian Holtzman is taking courses at Madison College with the intent on transferring to the University of Wisconsin Madison.
He is also the Vice President of the Madison College Risk & Insurance Management Club, Vice President of Student Senate and
was recently elected as the State Ambassador for the Wisconsin Technical College System. Having a construction background,
Adrian took Intro to Loss Investigations and is working in an internship in claims at QBE.
D
12
uring our trip to Chicago we attended the
NAMIC conference and were entertained by
Mike Smith from Accuweather and The Weather
Channel. Ben Newman of the Ben Newman Companies followed. Both gentlemen were excellent
speakers. Mike touched on storms and how they
affect insurance companies and underwriters.
Ben was a motivational speaker and spoke to us
regarding being the best we can be.
Ben Newman talked about something that really got me thinking, he said “If you write a goal down,
you’re more likely to achieve it.” He then told us
about the study of a high school graduating class
that participated in the study. Three percent of
the graduates wrote down their goals all achieved
them, while the other ninety-seven percent who
didn’t write them down, didn’t meet their goals.
Joshua Banks is a student in the Criminal Justice Program
with an anticipated graduation date of Fall 2014. Josh has 2
years of auto claims experience and took Intro to Loss Investigations to gain more knowledge. His long term career goal
is to work in a Special Investigations Unit for an insurance
company. Josh just started an internship at QBE.
NAMIC CONFERENCE
And CHICAGO
HISTORY
O
n March 1, it was 5:50 that cold morning
when we left the Truax campus parking lot
by the baseball field to go to Chicago. We were
a group of 8 students with our instructor, Martha,
who was driving a 12 passenger van heading to the
NAMIC Conference and Chicago History Museum.
We were talking about all kinds of topics (insurance,
risk and sometimes nothing related to class) while
our driver was getting through the traffic jams.
After many traffic delays, we finally reached
our destination, the Renaissance Chicago Hotel,
where the NAMIC (National Association of Mutual
Insurance Companies) conference was being held.
We were a few minutes late, but just in time to hear
the first keynote speaker of the day. Meteorologist
Mike Smith, author of “Warnings- the True Story
of How Science Tamed the Weather” and Chief
Innovation Executive of Accuweather Enterprise
Solutions, talked about Weather Trends. Mike
addressed the question regarding some recordbreaking weather events and insured losses that
resulted from them. As an expert, he shared his
opinion on how these conditions should continue
or possibly even get worse. Most importantly, he
shared how the insurance industry faces these
disasters and how they adjust and prepare for
them in the future.
Josh Banks, Ed Moe, Derek Schwenn,and Serge Bamana listen
intently to a presentation at the NAMIC Conference in Chicago.
The second and last keynote speaker, Ben
Newman, Author and Business Coach/President
of the Ben Newman Companies talked about
Leadership through Legacy. This is a simple concept centered on mapping your own personal success journey and using your experiences to create something lasting that others benefit from. He
developed this process called the Prizefighter day
to give individuals the opportunity to make every
single day a triumph. It is a very simple process;
choose three things to accomplish today: a personal activity, a business-related activity and one
that is about helping someone else. Creating your
legacy will help you reach your own goals and
empower others as well.
After the conference, we went to the Chicago
History Museum. Learning about the history of
Chicago in the 1870s and specifically about The
Great Chicago Fire was one of the main focuses
of our trip. It was an educational and enjoyable
experience.
Serge Bamana is a Finance Major who graduates in May
2013 with an Insurance & Risk Management Concentration.
Casey Ellarson, Adrian Holtzman (L) and Derek Schween
(R) listen to our personal guide, as she explains the
speed of the fire, at the Chicago History Museum.
13
T I P S
V O I C E S
rolling with rims
How many of you have attended an
off-campus school function, or a field
trip, relating to coursework?
Now, how many of you have attended an
off-campus school function where you had
the opportunity to ride in a limousine to the
event, and while you were there, had one of
the best meals you have ever had? If that was
not impressive in and of itself, how many of
you had the added bonus of listening to distinguished speakers presenting, and sharing
with you, their priceless knowledge that will
undoubtedly enhance your career, and make
you a more educated valuable employee?
This is exactly what happened to me while I
was enrolled in Madison College’s Introduction to Loss Investigations; a course in the
Insurance & Risk Management Program.
in the insurance
world, there is never
a dull day?
The function that we were attending
was a Risk & Insurance Management Society
(RIMS), event that was held at Maggianos in
Wauwatosa Wisconsin. RIMS was gracious
enough to offer this wonderful and amazing
opportunity to our class. When we arrived at
Maggiano’s, we were greeted by several wellrespected individuals from the insurance
community. These professionals made us feel
instantly welcomed by telling us inspiring
stories, and giving us words of encouragement. We then sat down to indulge in what
I can honestly say was one of the best meals
I have ever had. While we ate, we were educated with a wonderful presentation entitled
“Wisconsin Insurance Coverage Law,” by
Jeffrey Davis, Natalie Maciolek, and Patrick Nolan—all of who represent Quarles &
Brady, LLP.
The presentation of new laws that will
affect how insurance is handled in Wisconsin
was attention-grabbing to say the least. The
speakers covered interesting cases that have
gone before the Wisconsin courts and discussed how the laws impacted the decisions
as well as how the cases affected the laws.
When most people think of insurance,
they think of car accidents, health problems,
and so on. However, since I have embarked
on my mission to become part of the insurance community, I have heard time and time
again that, in the insurance world, there is
never a dull day. After enrolling in Madison
College, and attending this RIMS gathering, I
am very happy that I have found myself part
of such a dynamic industry. Thus far, I have
found that insurance is an exciting, everchanging industry, and I feel fortunate to be
part of this dynamic field.
Mike Swenson holds an Associate’s Degree from Madison College in the Automotive Technician Program and a
Bachelor’s Degree in Criminal Justice from Concordia University. He took Intro to Loss Investigations this semester
with a career goal of working in insurance claims.
14
ê
T h o m a s Pe k o l |
I am a United States Navy Veteran.
I started my journey at the Dane County Veterans office. I was informed of
a pilot program being introduced in the insurance industry and was asked
if I would like to attend. I accepted the offer and met with many insurance
professionals after the presentation at Madison College. I decided to give it
a go and met with the Veterans Service Officer at Madison College. I used
my Wisconsin GI Bill and enrolled in Agency Management Tools, Detecting
Veterans
Rapid
Deployment
P ro g r a m
Employee Fraud, Insurance Pre-Licensing Health, Life, Property, Casualty,
Managing Business Risks, and finally Technology Uses in Insurance.
The instructors were great as they all had previous business experience in the field they were teaching and gave many real-life scenarios
and situations that made the subject matter interesting and very informative. Based on the completion of my pre-licensing education I took and
passed the state exams and I am currently licensed in all four major lines
of insurance. The Office of Commissioner of Insurance was great and gave
encouragement and support to me so I could succeed. The knowledge and
state licenses I have earned have given me a doorway into a bright future
and I would like to thank everyone involved in supporting our Veterans.
Michelle Seymour |
has recently completed the Insurance
& Risk Management Certificate and holds a degree in Graphic Design from
Madison Area Technical College. Michelle also has a degree in Cosmetology from the Scientific Cosmetology College. She is hoping to combine her
years of experience in business with her education in Insurance & Risk Management to obtain an entry level position at an insurance company. Michelle
had this to say about the Insurance & Risk Management Program “I found
the program to be very knowledgeable, and I learned a lot about the industry.
The instructors were very helpful and willing to share their knowledge, and
experiences. I plan on making my mark in the insurance industry for many
years to come.”
15
ê
Simret Abraha |
I have been enrolled in Insurance and Risk Management
program at Madison Area Technical College. My experience has been great. The knowledge
gained has helped me enhance my career in insurance claims. It also helped me connect
with other insurance professional in Madison. The entire program has been very helpful and
applicable to my daily tasks at work. Most insurance companies offer a tuition reimbursement program for their employees. I do encourage every insurance professional to take
advantage of this great program to enhance their insurance career. I like the fact that this
program has courses that are offered in evenings which provides much needed flexibility for
students who are busy during daytime.
Lance Gruenke |
class introduced me to the claims process and how complex
The Insurance & Risk Man-
it actually is. The course began to increase my knowledge and
agement Program has been
was instrumental in my becoming familiar and comfortable
an immense help to me.
with the language used within the insurance industry. When I
The courses introduced me
interviewed for the position of Underwriting Technician IV, with
to the insurance world by
NSI, the classes I took allowed me to integrate my understand-
making me familiar with the
ing of the insurance industry with my personal experience to
terms that are used every
obtain the position. The curriculum at Madison College gave
day in the industry, it then
me an insight into the world that I would be entering.
continued this education by
After obtaining the job at NSI, the courses for the Insur-
giving me the opportunity to attend conferences given by the ance Certificate at Madison College have still been extremely
Risk and Insurance Management Society, (RIMS) the National beneficial. The programs are taught with the intention of the
Association of Mutual Insurance Companies, (NAMIC), and student taking the Insurance Certification Examinations. This
the Public Risk and Insurance Management Association ensures that the classes we are required to take are beneficial
(PRIMA). These experiences gave me the opportunity to net- and relevant within insurance industry today. I am now in purwork with and learn from many individuals already within the suit of my Associates in Risk Management Certification, and
field. Through the Insurance & Risk Management program, I once achieved I will continue to pursue a Chartered Property
was connected to a job opportunity at NSI; a division of West Casualty Underwriter designation. As the opportunities at NSI
keep allowing me to expand and grow, I will complement my
Bend Mutual Insurance.
At the beginning of my enrollment, my understanding of working knowledge of the insurance industry by continuing
the insurance industry was minimal at best. The first course my education at Madison College in the Insurance & Risk
that I attended was, Introduction to Loss Investigation. The
ê
Thank you for
your financial support!
16
2012–2013
Industry Partners
Management Program.
• Dairyland Chapter CPCU
• M3
• Public Risk & Insurance Management
Association, Wisconsin Chapter (PRIMA)
• Risk & Insurance Management Society,
Wisconsin Chapter (RIMS)
ê
Amery Mittenzwei |
When I began taking class- taking classes in Insurance and Risk Management. The
es at Madison College, I knowledge I have gained through both of these programs has
never thought I would end greatly helped me throughout my internship at CUNA Mutual
up in insurance. I have been
Group. My enrollment in these two programs, combined with
around insurance my entire my previous work experience, was instrumental in me being
life, but I never thought that offered this opportunity. I have been able to use my prior cusI would be pursuing a career tomer service experience, along with what I have learned in
in the insurance world. In my my studies, to be able to create an enjoyable customer service
first year at Madison Col- experience for the customers, credit union employees, physilege, I found out about a great opportunity at CUNA Mutual cians, and co-workers that I work with on a daily basis. I have
Group. They were seeking a student in the business program been an intern at CUNA Mutual Group for over a year now, and
to join their Claims Professional Team in the Life & Disability one of the concepts I have learned is; the difference between
Claims Department as an Intern. I applied for the position and, a satisfied and unsatisfied customer, is good customer sera couple of interviews later, was very pleased to join the team. vice. As each day progresses, I learn more and more about the
As an intern in the claims professional role, I am responsible for exciting opportunities that the insurance industry has to offer.
contacting customers, credit unions, and physicians, in order to
obtain the information necessary to properly adjudicate a claim.
The degree that I am currently pursuing at Madison Col-
Amery Mittenzwei is anticipating graduating in December 2013 with
an Associate’s Degree in Supervisory/Management and will continue
to pursue the Insurance & Risk Management Certificate.
lege is in Supervisory Management, but I have also been
ê
Congratulation s!
2012–2013
Graduates
Insurance Program
Certificate Grads
Simret Abraha
Property & Casualty Track
Tom Pekol
Rapid Hire Certificate
Michelle Seymour
Risk Management Track
Derek Schwenn
Serge Bamana
Finance Degrees with
Insurance & Risk Management
Concentration
Graduates and Scholarships
ê
Congratulations!
2012–2013
Scholarship Winners!
M3 Scholarships of $500
Lance Gruenke
Kip Finger
Michelle Seymour
Public Risk &
Insurance Management
Scholarship of $500
Joshua Banks
$300 Awards
Serge Bamana
Joshua Banks
Karen Crawford
Kip Finger
Vanessa Fulford
Jessika Gerrard
Lance Gruenke
Adrian Holtzman
Mary Jensen
Amandeep Kaur
LuAnn Kranz
Seth Meise
Ed Moe
Michelle Seymour
Mike Swenson
Rob Volkmar
customer service
is essential to
the base of the
business
HO W TO PRO V I D E
BETTER customer
service
Insurance is a complicated product that provides coverage for our most prized possessions.
We insure: where we live, the vehicle we drive, and those we love. We work to ensure care for
our health. As the internet has evolved, the insurance companies have transitioned to allowing
consumers to research and shop for insurance online. While consumers have the ability to comment and criticize their insurance rates and coverage almost instantaneously online, there still
lies the complexity of details within the policy they purchase. This is where customer service
becomes essential to the base of the business in order to retain and truly provide assistance.
18
Listen–
As a professional we need to do more than just
hear, we need to listen to what is important to our
customers. Is it a home, car, family member, a
business?
Looking towards the future–
We need to help the consumer understand what their choices for insurance
mean and help them to assess their needs now to
adequately plan.
Breaking it down–
We need to use plain English and share the elements of the policy to ensure mutual understanding. We also need to help consumers understand
what will and will not be covered in the event of a
claim. We need to ask leading questions to help
the consumer share what they know about their
insurance in order to understand what we need to
communicate.
Feeling connected –
Customers want access to their accounts when it is convenient to them, but
they still want to be appreciated for their business
and to feel connected to a purpose. We need to
help them realize their intangible product is truly a
risk management tool to help them in the event of a
major financial loss. Once we have communicated
this, we need to stay in touch with them.
We’re in Position
to fill yoUrs
maintain and retain
good customer
relations
Direct-hire
Positioned to make the find that fits.
(608) 695-3491
[email protected]
Following Up–
Usually with insurance there is process for
the consumer at the time of purchase and
at the time of a claim. This can be an aggravating process to the customer. Especially,
when everything else is so instantaneous
today due to tools like the internet. We need
to assure them of the status of their policy
and/or their claim. This provides the consumer not just with an update, but peace of
mind their needs are being handled.
If we fail to listen, provide understanding,
plan adequately, or follow up the customer
is going to find a company that will do all
of these things. We know many consumers shop by price, until they have a claim.
If we can provide good customer service:
from the time of application, to the regular
bill payments, and in the event of a claim
we will maintain and retain good customer
relations.
Mary Reines, MBA is a part time instructor in the
Insurance & Risk Management Program. With
previous industry experience at American Family Insurance and the Office of the Commissioner
of Insurance. Mary now works at the University of
Wisconsin-Extension in the Office of the Provost.
www.TILinsurancestaffing.com
TODAY’S producer
As someone who sold insurance in the 80’s and early 90’s, I can honestly
say that selling insurance today is different. The 21st Century brought
HO “Do
W TONot
PRO
V I DRegistry”,
E
the
Call
more electronic communication than we ever
imagined, and the soft market. However, those of us who have been in
insurance for some time know the hard market is just around the corner.
The increase in weather
related losses alone, and
the decrease in the return
on the insurer’s investment
dollars, will result in higher
premiums.
Producers, who aren’t doing so
already, are going to have to create their Unique
Selling Proposition (USP). They will have to differentiate themselves from other agents. Many have
already earned a reputation as experts in a particular target market. However, all agents will have to
be seen as risk consultants; bringing solutions to
their clients and not just the lowest quote.
Insureds want to understand what the coverage
is, why they need it, how
much they should carry,
and how they can save
money.
Teaching policyholders how to
manage their risks is a win/win/
win for the insured, the insurer, and the producer.
Of course, it improves the loss ratio and lowers
premiums but it also empowers the policyholder
(individual and business) to take ownership for
losses, take steps to reduce their exposures to
loss, and put plans in place to mitigate losses that
do occur. Show prospects and insureds how to
save money and protect their assets.
20
Are plans effective and being implemented?
Some commercial clients already have risk management plans in place. An April 2012 article in the
Insurance Journal indicated 57 percent of respondents to a survey stated they have ERM programs.
This means that 43 percent likely do not. Of the 57
percent who do, are those plans effective and are
they being implemented?
From a Personal Lines
standpoint, we are
approaching the summer
months where many
risks increase
Recreational vehicle exposures,
rain, flooding, burglaries, and
personal liability (especially with
the kids home from school). This is a great time of
year to provide your Personal Lines Clients with
valuable risk management tips that can reduce
their chances of having a loss.
Teach your clients
to be Risk Managers.
As insurance professionals, we
have the knowledge to help
our clients help themselves.
Remember the Chinese Proverb; “Give a man a fish and you
feed him for a day. Teach a man
to fish and you feed him for a
lifetime”?
Did you know according to cyberbullyingfacts.org, there has been a 16.7% increase in the U.S. of cyber bullying? According to SADD,
more than 72 percent of students have consumed alcohol before they graduate high school and 56.2 percent of underage drinkers
report they drank in a home other than theirs.
Risk Management and Insurance
Curriculum
CoursesCredits
Detecting Employee Fraud
3
Intro to Business Insurance Contracts
3
Intro to Loss Investigation
3
Intro to Employee Benefits
1
Internship2
Managing Business Risks
Total Credits
3
15
FALL 2013 SCHEDULE
CourseS
detecting employee fraud on-line 9/4-10/25/2013
Intro to business insurance contracts TRUAX AND WEST 10/24-12/19/2013 5-8 pm
“Intro to Loss Investigations
provides you with the opportunity
to have fun in school, which seems
unrealistic to many students.”
Keegan Petsel
How Can You HELP ATTRACT NEW TALENT TO THE INDUSTRY?
DONORS
¾ Advertise in TIPs
Thank You to our donors who support
the Insurance & Risk Management Program
All profits are returned to the Insurance & Risk
Management Students Scholarship & Professional
Development Fund. Full Page Advertisers can also author an article highlighting one of their employees,
a claim, or a topic related to the current issue.
Our Next Issue: October—Managing Winter Risks,
Successful Selling, Target Marketing
Regular content included in each edition:
• Moments in insurance history • Graduate profiles
• Student profiles for those seeking internships
or part time work • What students are learning/industry
activities on and off campus • Highlights of current industry
professionals • Non-sales articles by “Gold” advertisers
AAA Wisconsin
Celerity Staffing Solutions
Community Foundation of the Fox Valley Region
CUNA Mutual Group
Delta Dental of Wisconsin
EMC Insurance Companies
Frankenmuth Insurance
Germantown Mutual Insurance Company
Liberty Mutual Group
M3 Insurance
Steven Murphy
Swett & Crawford
UNUM Group
West Bend Mutual Insurance Company
Wilson Mutual Insurance Company
Wisconsin Chapter Risk & Insurance Management Society, Inc.
Wisconsin Physicians Services
Wisconsin Public Risk Management Insurance Association
¾ Advisory Committee
Volunteer your time to help direct our program.
¾ Annual Executive Symposium
Attend or be a panel member. This is our biggest fundraiser
each spring. Top Industry Professionals discuss current
insurance and risk management topics and all profits from the
program are returned to the Insurance & Risk Management
Student Scholarship & Professional Development Fund.
¾ Employ our Graduates
INSURANCE ADVISORY COMMITTEE
A Special Thanks to those who donate their time
and wisdom to make this program possible:
Chair: Heidi Nienow
Regional Sales Director, Independent Agents, AAA Wisconsin
Secretary: Diane Wilkinson
VP Client Services, M3 Insurance Solutions for Business
Kay Abel
Agency Owner and Alumni, Abel Insurance Associates, Ltd.
Roger Baker
Learning Consultant, CUNA Mutual Insurance Company
Dean Boes
Executive Director, Wisconsin Municipal Mutual Insurance Co.
Dorothy Buechner
Continued Learning Administrator, American Family Insurance Company
Diane Dillett
Agency Owner, The Dillett Company
Dan Edge
VP Medical Affairs, WPS Health Insurance
Ryan Jones
Staffing Specialist
Joshua Kosnick
District Director, Northwestern Mutual Financial Network
Ashley Natysin
Office of the Commissioner of Insurance
Ross Squires
Commercial Agent, Hausmann-Johnson Insurance
Allan Wearing Sales & Marketing Director,
Group Health Cooperative of South Central Wisconsin
Scott Wilde
Lead Talent Acquisition Analyst, QBE North America
22
Contact Martha Lester-Mittenzwei with job opening details.
¾ Financial Gifts
Provide a tax deductible donation to our Foundation specifically
for Insurance & Risk Management Scholarships & Professional
Development. Madison College derives most of its funding from
tax revenues and student fees. There are many needs that cannot
be met from these sources, including student scholarships and opportunities to attend industry events. You may give online at www.
madisoncollege.org/giving-madison-college or mail your gift to the
Madison College Foundation, 1701 Wright St., Madison, WI 53704.
Please indicate that you wish your gift to go to the Insurance & Risk
Management Program.
¾ Guest Speaking
Visit our classes and share your story, knowledge, and experience.
¾ Host a Dine & Discover
Visit our campus, provide a lunch for a limited number of students,
and tell them about your company, your career and the Insurance &
Risk Management industry.
¾ Internships
Offer our students part-time employment opportunities during the
school year or full time during the summer to enhance their learning
with a real taste of the industry.
¾ Promote the Industry to High School Students
¾ Tours
Invite our students to your business, or industry event, to learn more
about your organization and the industry.
If you are interested in supporting our efforts to attract new talent to our industry,
please contact Martha Lester-Mittenzwei, Insurance & Risk Management Program
Director. [email protected] or 608-243-5417.
Ideal
Insurance career
opportunities available…
join the AAA family!
AAA is well positioned in a rapidly
changing economy to offer our
members a diverse line of high
quality products and services
including travel, insurance and
emergency road assistance. We are
a growing organization and as such
we are recruiting for the following
opportunities:
Sales & Service Agent (P&C)
Promote insurance products in a goal
focused sales environment. The ideal
candidate will be sales savvy and know
that to build their book of business they
will need to analyze sales to identify areas
of opportunity and growth.
Life Specialist
Partner with our P&C Agents to sell life
products. The ideal candidate should have
experience in life insurance or financial
product sales.
Sr Underwriter (P&C)
Review insurance documents to ensure
rating accuracy and responds to customer/
agent inquiries regarding underwriting
actions and guidelines. Recommends and
initiates continuation, cancellation, nonrenewal or rejection of applications or
policies.
Are you are self-starter who SHINES
whether working independently or
doing what is needed to make the
team successful? Then you have that
special something we are looking for
and we invite you to apply today to
join the AAA family:
[email protected]
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