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page2APublicationofIndependentInsuranceAgentsofWVnFIpMAnuALchAnGestotAkeeFFectoctober1summAriesofthechAngesAndAninformAtionAlVideoArenoWAVAilABleon-lineethIcstrAInInGAVAILAbLeAtIIAWVAnnuALconVentIonthreehourseminArsAtisfiesWestVirginiAcerequirementEachOctoberandMaytheFederalEmergencyManagementAgencyreleasesmanualchangesfortheNationalFloodInsuranceProgramx14andthisOctober1willbenoexception.YoumaybethinkingthatthesechangesincludesomeofthereformsmandatedbytheBiggert-WatersFloodInsuranceReformActof2012.NotsomuchThesemanualchangeswereintheworkslongbeforecongressionalactiontookplacethissummer.ViewasummaryofthechangesanddownloadthechangesorfullmanualontheNFIPisevicewex1ei-e.TheratechangesandrulesshouldbeusedwhenquotingnewbusinessasofSept.1duetothe30-daywaitingperiodforpolicyeffectivedates.Bigx1cIx1dFloodhasalsopreparedauayf-hechangeandafree10-minuteNFIPtrainingvideohighlightingthesechangesispostedonitswex1ei-e.Havethemanualchangesandsummaryonhandwhenviewingthevideo.IfyouhaveanyconcernsorquestionscontactBigx1cIx1dFloodat800-221-7917.Agentstryingtosatisfythecontinuingeducationrequirementcallingforthreehoursoftraininginethicscanx15ndjustexactlywhattheyneedatthisyearx19sIIAWVAnnualConventionatGladeSpringsonSundayOctober72012.x1cEthicsandBusinessIsThisanOxymoronx1disacourseisdesignedtosatisfyWestVirginiax19smandateforEthicsContinuingEducation.LeadbyStuartPowellMACPCUCICCLUChFCx1cEthicsandBusinessIsThisanOxymoronx1disafast-pacedandoftenhumoroussessiondesignedtohelpagentsconsidertheethicalimplicationsofourprofessions.WhatdoesitmeantoactethicallyWhatarethedifferentlevelsofethicalbehaviorlegalpersonalprofessionalThiscourseincludesareviewofthebasicelementsofethicalbehaviorcodesofethicsforinsuranceprofessionalsaswellasagentsx19ethicaldutiestocustomersvs.companies.Powellwillalsoexaminereal-lifesituationsthatagentscanx15ndthemselvesinandleadattendeesthroughandexplorationofthevariousoptionsthatagentscantakeinvarioussituations.StuartPowellhasheldanagentx19slicenseandbeenpersonallyinvolvedintheinsurancebusinessformorethanthreedecades.HejoinedthestaffofIIANCasDirectorofEducationin1995andassumedthesupervisionofIIANCx19sinsuranceoperationsin2004.HecurrentlymanagesthedesignatedinsuranceagencyfortheStateofNorthCarolinaplacingallcoverageswhichtheStatedoesnotselfinsureisadministratoroftheIIANCErrorsandOmissionsInsuranceprogramofagentsandmanagestheoFFIcIALnotIcePuuan---heby-lawf-heIndependen-InuanceAgen-fWe-ViginiaInc.A-icleVIsec-in7andA-icleIXsec-in35and6n-iceiheex1eygiven.theex1eehipf-heIndependen-InuanceAgen-fWe-ViginiaInc.hallcnduc--heacia-inx19Annualmex1eehipbuinemee-inga-445pnsundayoc-x1ee72012a-there-a-Gladespinga-DanielWe-Viginia.theee-inghallx1eepennly-dulyau-hizedepeen-a-ivefegulaex1eeagencief-heacia-in.continuedonpage15