T o m o r r o w ’ sI n s u r a n c e

P r o f e s s i o n a l s

ISSUE 13 | Fall 2017

Traits of Successful People|6

10 MANAGING RISKS IN NYC

Student Successes|14The Workplace Blame Game |19

A MADISON COLLEGE PROGRAM PUBLICATION

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T o m o r r o w ’ s I n s u r a n c e P r o f e s s i o n a l s

GROWING FORWARD 4MANAGING BUSINESS 6-9

NYC10-13Student Successes 14-17

industry days 26

Program Development

One of the objectives in evaluating programs and identifying opportunities for development is to meet the needs of the employers in our district. Madison College is committed to graduating students with the knowledge and skill sets to be successful in their chosen field. Recently, the Risk Management and Insurance program was evaluated. The program had been offered as a Certificate, a short-term credential where students in pursuit of the certificate were not eligible for financial aid. Feedback from area employers indicated a desire to have graduates prepared to work in risk management and insurance positions who also had knowledge of tangential business-focused areas. Armed with this information Program Director, Martha Lester, went to work identifying courses complementary to the risk management and insurance offerings. In addition to identifying these courses, the decision was made to change the Certificate to a Technical Diploma. The Technical Diploma allows for a greater number of credits and is a credential

for which students can receive financial aid, an important factor to many of the students Madison College serves. Those pursuing the new Risk Management and Insurance Technical Diploma will receive exposure through dedicated courses to Social Media, Business Organization, Marketing Principles, and Investments, along with their risk management and insurance-related courses. We are grateful to the many employers and alumni who continue to keep us informed on industry trends and desired industry skills. Your support allows us to develop the best possible program we can for our students!

— Dr. Erin Kohl INTERIM DEAN

SCHOOL OF BUSINESS AND APPLIED ARTS

Dr. Jack E. Daniels III PresidentDr. Turina Bakken ProvostDr. Erin Kohl Interim Dean School of Business and Applied ArtsAnn McIntyre, MA, Interim Associate Dean, School of Business and Applied ArtMarsha Tweedy, EdD, Interim Associate Dean, School of Business and Applied Arts Martha Lester MBA, AAI, AIC, CIC, CRM, ITP, Risk Management & Insurance Program Director

TIPs is issued twice per year, Spring and Fall. 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, Risk Man-agement & Insurance Program Director, MLLester@madisoncollege.edu or 608-243-5417 for information and rates.Volume 013 Copyright 2018https://madisoncollege.edu/program/risk-managementFollow the students on Facebook: Insurance & Risk Management Program, Madison CollegeMagazine template design by Ethan FrameDisclaimer: The information provided in the articles is based on students’ learning and inter-pretation 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.

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E Martha LesterRISK MANAGEMENT & INSURANCE PROGRAM DIRECTOR

Growing Forward

curriculum T he Risk Management & Insurance Program at

Madison College is continuing to grow in both and in students. Property & Casualty and

Life & Health Pre-Licensing classes are now included as part of the one-year diploma. We are very excited that students now have the opportunity to graduate from the program with all four lines of licensure. The revised curriculum is listed on page 29.

Financial donations that we received from our industry supporters allowed us to provide students, who are not supported by an industry employer, with the textbooks and exams for this first offering. We are hoping to be able to continue this into future semesters.

Scott Kowalski, Executive Vice President at WPS Health Insurance, has agreed to lead the Life & Health Pre-Licensing class on Wednesday evenings beginning January 17th. Scott’s many years of experience in the industry, combined with his ability to connect with the students, creates an outstanding opportunity for the students to stay engaged and learn. We just finished the Property & Casualty Pre-Licensing course and will offer it again in the fall of 2018. The licensing classes are open to the public.

Josh Cotillier, Madison College's risk manager, began teaching Managing Business Risks (ARM 54) for the fall 2017 semester. He brings tremendous practical experience to share with the students. Josh was already well known among the students from his co-chaperoning many of our adventures.

Generous financial donations from our industry association supporters have allowed us to provide some textbooks to students, not supported by an employer, at no cost. The cost for the texts for the Intro to Loss Investigations course were covered

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by a gift from the Western Loss Association. The books for Managing Business Risks were provided to students through a financial gift from the Risk & Insurance Management Society – Wisconsin Chapter. Without the financial support of these organizations, the book costs of up to $150 per student may have prevented some from taking the classes.

The growth of the program would not be possible without the tremendous support we receive from the individuals, companies, and organizations that make up Wisconsin’s insurance and risk management industries. The support is not only financial through donations, scholarships, attendance at our events, and advertising in TIPs, but is in the form of those who take time out of their busy days to visit the students in a class or workshop to share their knowledge, invite us to visit their company, sit on our advisory committee, speak at our annual symposium, and mentor or hire our students. You, our industry partners, are the most important piece of growing Tomorrow’s Insurance Professionals.

Thank you!

Martha Lester is the Risk Management and Insurance 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 Associate in Claims, Accredited Advisor in Insurance, Certified Risk Manager, Certified Insurance Counselor and Insurance Training Professional Designations. Martha can be reached at 608-243-5417 or email MLLester@madisoncollege.edu.

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Improved Programming Meets Industry Needs

The hallmark of Madison College education is our responsiveness to the needs of Wisconsin employers. We keep abreast of workplace and industry changes through program advisory committees made up of individuals working in various fields.

Recently, members of the Risk Management and Insurance Program advisory committee suggested we incorporate the four exams required for state licensing into our curriculum. Program instructor Martha Lester listened and responded. Thank you to those who serve on our advisory committees for helping us keep our programs current and relevant.

We also added new courses to the requirements for the one-year program to bring our students’ skills up-to-date. As a result, our graduates will be better qualified to enter the profession with

social media, business management and written communication skills in addition to industry-specific courses. They also learn what it takes to be a successful employee and leader.

We want our graduates to be stellar employees who stand out from the crowd. In the Business Organization, Management and Ethics course, students study business leaders who have made it to the top of their profession. By doing this they are able to learn from these examples and apply the principles of effective leadership to the real world. You will discover some of what they learned in this issue of Tomorrows Insurance Professionals.

I think you will agree that Madison College graduates have what it takes to succeed in the Risk Management and Insurance industry and become the leaders of tomorrow.

We want our graduates to be stellar employees

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M A N A G I N G B U S I N E S S

Traits of Successful PeopleSocial Skills/Communication:

Many companies are placingemphasis on job candidates who have a strong ability to effectively communicate and have sufficient self-awareness

during important conversa-tions. All roles within a business,

especially leadership roles, require some tough conversations and say-

ing the wrong thing can have a very negative impact on a business team.

Courage/Confidence: The ability to stay fearless regardless of the risk makes a successful person. Most suc-cessful people in the world have all taken risks to reach their success. Everyone can only learn from their mistakes and if at first you don’t succeed, you have grown for the better in some way. If a person doesn’t believe they can do amazing things, they most probably won’t.

Organized:An organized person is successful because of their ability to track deadlines, locate nec-essary documents when requested, and help solve problems that may arise. Being orga-nized allows a person to offer themselves as a resource to their coworkers when they have questions or concerns by determining what is needed and where to find it.

Responsible: Responsibility is shown through a person’s ability to be to work on time, meet deadlines, dress appropriately, and take accountability for their errors. A person isn’t going to be suc-cessful if they show up late to work every day or hand in projects past the due date. How-ever, it’s important to note that a lot of the success comes from being able to hold your-self accountable when things don’t go your way.

Alexandra Gray

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Honest:Honesty is useful because it creates rapport and trust. People known for an honest opinion also demonstrate an integrity that will go a long way.

Team Player:Being a team player is huge. If it is in the best interest of the overall goal, what may not be the best opinion or not neces-sarily right should be brought to light. Being able to see from other’s perspectives to reach goals is helpful and creates strong work relationships. As John Maxwell has said, “team work makes the dream work”.

Problem Solver:Things don’t always go as planned and as big as communi-cation is to the workplace, communication may sometimes fail. Knowing how to complete a task or effectively figure out ways to do things and find ideas that weren’t initially part of the plan are essential to success. All of this will also add to expertise for future problem solving.

Curious:Asking questions, and researching will increase knowledge. Curiosity helps professionals grow. As Francis Bacon said, "Knowledge is power".

Nick Van Schyndel

Eye Contact: A person’s ability to look others in the eye exudes confidence that has helped successful people get higher raises, better work assignments, and preferred time off. In negotiating, eye contact aids in communicating between superiors and subordinates.

Backbone: Those with the intestinal fortitude to make their decision, and stick with it, are those not to back down when the boss wants them to compromise service or quality. These people become highly respected and are known to get the job done correctly.

Persistence: Those who don’t give up and continuously attack what is stopping them from achieving their dreams are very likely to do just that. They will not stop until they have what they want and it’s only a matter of time until they reach it.

Thomas Westbrook

Leading PatagoniaThroughout their studies, the students research the qualities that it takes to be successful in business and also in leadership. The students examine the education, qualities and achievements of a leader that they admire and then analyzetheir leadership styles against the styles that they have studied in the classroom. This processallows the students to humanize the styles and realize how they are implemented for success.

S ince the beginning of his career, Yvvon Chouinard

has been a leader and innovator in all his ventures. Patagonia started with his passion for the outdoors and he led his company to be highly successful and a leader of environmental change. With focus on living a balanced life, Chouinard has led Patagonia

to being rated a great company to work for.

The InspirationGrowing up in Southern Cali-fornia, Yvvon was a member of a Falconry Club which showed him the world of climbing. Early on, he noticed the need for better, longer lasting climbing gear. Within no time, Yvvon had started

his own company, teaching himself blacksmithing to create new climbing equipment. By the 1970’s, he owned Chouinard Equipment. At the time, this was the premier seller of climbing equipment in the United States.

Chouinard developed an interest in rugged, active technical wear after seeking out a proper shirt to climb in. He began wearing Umbro brand shirts when hik-ing, with a few partners began selling Umbro shirts, and before they knew it they couldn’t keep the shirts in stock. The company started growing quickly and a decision had to be made to keep the clothing line under the Chouinard name or to have a wider market by creating a new company.

Through extensive testing and trial and error Patagonia began creating a new kind of active wear. By 1985 they had more than one type of fabric copy-righted as creations of the Patagonia company. They had also taken a huge leap in the early 1980’s by using bright and vivid colors in their clothing line. Most of the outdoor clothing that was available at the time, was all in muted tones. They had decided to run in a different direction and bring color into their clothing.

Patagonia’s foundation of environmentalism started early on and has been a crucial aspect of the

company, starting when Chouinard had been involved in a group that helped to defeat a development plan that would have destroyed an important, local river. Chouinard is still a part of the company today and is still inspiring his employees, along with others in the busi-ness world, to create a different type of business and to embody social responsibility in their work.

Leadership TraitsYvvon Chouinard embodies many different leadership traits. First and foremost, with his products and his approach to business, he is a visionary. His passion for the environment is why he created Patagonia and his innovation is what has made Patagonia such a success. He is imaginative, experimental and he is always looking to change things and make them better. He is an inspir-ing business man for his radical take on how to run a business.

Between the high level of family care and the per-sonal care that he has ingrained into the Patagonia company, he absolutely fits the participation style. One great example is the child development center that they have for their employees. He has created a work environment that encourages and supports healthy liv-ing for all employees. The business is always locked up no later than 8pm during the week and is closed on weekends. The children’s development center is always closed by 5pm to ensure that people can have a work/life balance.

Servant LeadershipWith the focus that Yvvon Chouinard puts into the well-being of his employees, it’s not hard to see that he is a servant leader. Patagonia is ranked as a great company to work for. Fortune magazine ranked them as one of the top 15 retail jobs of 2016. Within the positive work environment also lies the mis-sion of the company. Environmentalism and activism are cornerstones of Patagonia. “Build the best product, cause no unnecessary harm, use business to inspire and implement solutions to the environmental crisis.” With the many causes that Patagonia has become involved in over the years, Chouinard has the company working towards the realization of their mission.

Laurraine Vanhecke

Sources: Patagonia’s Mission Statement. (n.d.). Retrieved May 03, 2017, from www.patagonia.com/company-info.htmlEditors, F. (2016, November 02). The 15 Best Workplaces in Retail. Retrieved May 03, 2017, from fortune.com/2016/11/01/best-companies-retail-2016/

M A N A G I N G B U S I N E S S Sundar Pichai is a servant leadeR

Leadership at“

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The leader for Google is Sundar Pichai. Sundar became the CEO of Google in 2015 but has been with Google for a lot longer than that. Pichai went to school in the US and earned his MS at Stanford. He then went on to attend the University of Pennsylvania’s Wharton School for his MBA. Sundar started off with an interview at Google in 2004 on the same day that they had launched Gmail. Once hired Sundar started his career creating Google’s search toolbar. Some of his other achievements include being one of the creators for Chrome as the company’s browser and making sure that Google was properly integrated into android smartphones.

According to Jillian D’Onfro on Business Insider, the main leadership style that Sundar possesses is boringness. He possesses this trait and therefore is a very even-keeled and predictable guy. This trait in the world of business is remarkable because it allows everyone to know exactly how to get things done. He has the leadership style of delegating. He is very good at making sure everyone has certain tasks and allows them to complete their work within the time frame on their own schedule.

According to Jouneyingjon.com, Sundar Pichai is a servant leader because everything that he does is

for his employees; he helps people develop to their best potential. He makes sure that they have the tools, empowerment, and opportunities under them to perform their best.

In conclusion Sundar Pichai is one leader that I will look up to because he does everything in his power to do his best for himself and the company while looking out for the employees.

Mitchell Klug

Google was started as a school project for the students, Larry Page and Sergey Brinn at Stanford University in 1995. Google has now progressed into the world’s largest search engine. Google has developed many other applications that the world uses frequently too.

Larry Page is an engineer and an inventor. He is the CEO of Google and is the one that is a more prominent figure rather the Sergey Brinn. Larry Page grew up with parents that were both very good with computers and so he went to school to get a Bachelor of Science Degree at Michigan State. After graduating Michigan State, Page attended Stanford University where he then met Sergey Brinn. Page had a dream one night of ranking web pages by their links and this is where the help of Sergey Brinn came in. Sergey Brinn is an engineer, inventor and a computer programmer. He has a degree in mathematics and computer science from Maryland University. After receiving his degrees from Maryland University, he then attended Stanford University where Google, or then known as “Backrub”, would be created.

Page was the Fortune’s Businessperson of the Year in 2014

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Larry Page is always in the press for being known as a great leader. He said, “My job as a leader is to make sure everybody in the company has great opportunities, and that they feel they’re having a meaningful impact and are contributing to the good of society. As a world, we are doing a better job of that. My goal is for Google to lead, not to follow that.” (Center for work life.com) This quote shows that Page has leadership traits; he enjoys talking about the future, he likes to empower others and he has persevered through the process of establishing Google to the company it is today.

Page possesses the participative leadership style. Page was the Fortune’s Businessperson of the Year in 2014 and he is also considered to be a powerful person, making number nine on the Most Powerful People list. Larry Page is very clever and creative. He is driven and determined in his work, and likes to be synergetic with the employees at Google.

Because Page is an introvert he truly listens to all his employee’s ideas. Some Google employees stated that Page is an inspiration for them to achieve their goals. His employees rather enjoy him.

Larry has the behavior of a participative leader. He has this type of leadership behavior because he encourages new ideas and concepts to be thought of and brought up to him. He wants ideas that could be world changing. Because Larry is so open to ideas,

he also wants his employees to be comfortable so they can think of those ideas.

When a servant leader is present in a company it can help the employees reach their goals. Google Earth, Gmail and Google Video have been developed by employees because they are encouraged to voice their ideas and they are treated well so they feel more comfortable and content at their job.

Google is now the top search engine in the world and it is easy to see why. Larry Page is an extraordinary leader who possess the skills of accepting other ideas and caring for his employees but also the world we live in. With a leader like this, Google can do anything and will succeed every year.

Tabitha Weister

Works Cited

I. Businessinsider.com i. Journeyingjon.com

www.google.com/intl/en/about/our-story/ www.biography.com/people/larry-page-12103347 www.biography.com/people/sergey-brin-12103333 www.centerforworklife.com/leadership-qualities-larry-page/larrypage.weebly.com/larrys-leadership-style.html www.businessinsider.com/larry-page-the-untold-story-2014-4

Leadership StylesBoringness Leading through reliability, predictability, and doing what is right.

Participative All members of a team are involved in identifying goals and strategies to reach them.

Servant Leading with the concept that one is responsible for those being led.

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CE Managing Risks

In New York CityThis past Spring, a group of students, our Dean and I took a trip to New York City to wrap up our studies on 9/11. The students were responsible for researching the events of that tragic day and the impact on the industry, prior to the trip. The students’ comments highlight the amazing learning opportunity that this trip offered.

The students had the opportunity to take a hard hat tour of Ellis Island to learn about the early days of immigration, visit the 9/11 Memorial Site with a guided tour of ground zero, have a VIP tour of the Empire State Building, and a personal presentation by Mark Leverick (U.S. Property Terrorism Leader with Aon Risk Solutions) concerning 9/11. In addition to these scheduled events, the students had lessons on managing risks while travelling and managing risks in areas they are unfamiliar with. The following are the students' stories.

During our week-long adventure to one of the world’s largest cities, I was able to see firsthand just how important risk management and insurance truly are. Risk management was a term I really knew nothing about before joining Martha’s classes and the Club at Madison College. Since doing so, I have come to learn that risks are simply everywhere, every-day. Although we can’t eliminate them there are ways to help control them. The four main risk management strategies to follow are avoid, reduce, retain and transfer. The only way to avoid a risk is to not have the exposure. The only way to avoid the risks surrounding travel, is to not travel. With the second strategy, reduce, the exposure exists but steps are taken to minimize the chances of a loss. With this example, travel risks can be minimized with pre-planning, selecting safe neighborhoods for hotel accommodations and tourist attractions, being aware of one’s surroundings, etc. The third risk management method of retain is exemplified through the traveler going on a trip without taking the steps in the reduction tactic. The last strategy is to transfer the risk. This would be handled with the traveler purchasing specific insurance for any of the possible incidents that

could occur; travel accident, life, theft of personal property, auto liability, and more. With this step, they wouldn’t have to worry about the financial consequences of a potential loss.

Michael Scopoline

The trip to New York was absolutely, a great opportunity. The overall experience was amazing, and the educational parts were very interesting. I really enjoyed the time we spent at the AON meeting. The effects that 9/11 had on the insurance industry were enlightening to hear about, as the events changed not only the insurance industry, but the way the whole world operates on all sorts of security levels.

Nathan Bartels

The trip to New York City was a trip of a lifetime for me. The bus tour that took us downtown and midtown Manhattan was so great to do after the long flight. We could see what stops are most significant in New York City. I also enjoyed the Ellis Island hard hat tour and how they helped to keep risks away from entering the “New World”. I greatly appreciated the tour and dinner at the Empire State Building. The views from floors 86 and 102 were phenomenal.

Brandon Endthoff

Personally, this was my first trip to New York and I enjoyed every minute of it. The double decker tour bus had signs that said “don't stand up” but yet the ceiling wasn’t up high enough. Talk about a risk! We watched numerous people hit it at every stop. We got to use our Risk Analysis skills in many of the other locations as well.

Katrina Klauer

It was a great experience to be able to explore and learn more about some of the big contributors to New York's history and culture related to risk management. Our Risk Management and Insurance Club was able to visit several iconic sites. The memorial museum was extremely important and emotional for some of us, relating on a personal level. There were so many important memories created, I can hardly speak to all of them.

Holly Brotzman

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ELLIS ISLANDEllis Island Hard Hat Tour Katrina Klauer, Michael Scopoline, Holly Brotzman, Nathan Bartels, Wendy Franczak, Robert Battiola, Brandon Endthoff, Erin Kohl

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Managing RisksIn New York City

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The students who attended the Risk Management trip to New York City in April 2017, presented a continuing education program discussing what they learned. The program was offered on Madison College’s Truax Campus. West Bend Mutual Insurance Company also hosted the students on their campus, offering the program to their agents. They provided the students with lunch and made a nice donation to the Risk Management and Insurance Program for future club travel. The attendees each took time to offer the students advice for their future careers. A few of my business students also attended to see the presentation and be introduced to the insurance industry. Below are their comments.

The event in West Bend was eye-opening and a lot of fun. I learned more than I ever have about Risk Management, about the city of New York, and about what the Risk Management and Insurance Club does for students at Madison College. From Holly's presentation on Ellis Island I noted to look up eugenics and I found a lot of really interesting, albeit disturbing, information about how the lawmakers used eugenics to push anti-immigration sentiments back then as thousands of people passed through the inspection procedures. Regarding the 9/11 part of the presentation, Bob pointed out the moral/morale impact on American citizens during the time and how many people banded together in solidarity rather than fear. I found that to be a very important and relevant perspective.

Lindsey Gay

Initially, I went to this event because of free food and the extra credit but I gained a lot more from it than I thought I would. I really enjoyed the part of the presentation that had to do with Ellis Island. My favorite piece of information that was given to me by the audience members was "don't take it personally". I know this one got a few laughs out of everyone but in all honesty, it is a skill you need to have when working with customers. If you can find a way to look past people's negativity, you're probably going to do a lot better and really succeed in the industry. It's important to have good customer service skills!

Anna Albert

First, I would like to say that I was impressed with the overall company at West Bend Mutual Insurance Company and the students who did the presentation. I first went to just receive the extra credit for class but I was able to gain much more than I expected.

I had two favorite parts from the entire day. The first part was having everyone introduce themselves and give us advice. I never knew there was so much opportunity in the insurance industry. There were two gentlemen who were sitting in the back row that caught my eye. The lessons that I could take from them were, “don’t expect commissions, commissions come from hard work” and “tell a story with your resume, make the interviewer want to hear more”. Both lessons will stay with the rest of my life because they both are going to help me grow into a successful business man. My next favorite part of the day was being able to hear the students’ stories about New York City.

Nick Kanoff

I felt really special presenting myself and my input to a room full of so much experience. It was an honor to have their focus and full attention and to receive advice from each and every one of them. It was both inspiring and motivating. My favorite piece of advice from the day was to not limit myself based on assumptions about how high I think my degree will let me go. I can advance further than I would expect.

Aria Tivari

L-R Micahel Scopoline, Bob Battiola, Brandon Endthoff, Holly Brotzman, Lindsey Gay, Anna Albert, Nick Kanoff, Aria Tivari

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Product YouScott Kowalski, Executive Vice President WPS Health Insurance, spoke to students this semester about what they can be doing while they are in college to prepare for success in their careers after graduation. He covered a variety of key points including presenting a professional image, networking, joining clubs, and volunteering. Scott was very well received by the students and they truly valued the lessons he shared.

Scott discussed the importance of keeping a professional profile on social media. If you want to market yourself as a responsible and hardworking individual, that should also be apparent on your social media accounts.

Anna Albert

When Scott asked us to come up with3 words that we would use to describeourselves it really made me think about howI can do a better job of describing myself in future interviews.

Kiley Buss

What I liked most, was how he spoke about being “aware”; of how you are portraying yourself, how others are reacting to you and being willing to receive criticism.

Jerusha Hassell

I learned that networking is one of the most important things to do when trying to get a job. The possibility of networking is around you all the time; classmates, employers, family, and friends.

Hannah Workman

My biggest takeaway from his presentation was the ongoing process necessary to build and maintain my personal brand. What makes me unique from everyone else? What is my public persona? How do

I portray energy? Renee Ruhland

One point that stuck with me the most was self-branding. You should have a few qualities of yourself that stick out and make you unique.

Hannah Stevens

A saying I won’t forget was, “showing credibility is key to success in a presentation”.

Nick Kanoff

The story Scott told about his dedication in his dad’s business was awesome. He said at that point the person he was interviewing with didn’t care about what his resume had to say, he wanted to hire him because of the dedication he portrayed in his story.

Stephani Livingston

Scott Kowalski, JD, CHIE, RHU Executive Vice President, WPS Health Insurance

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One good take-way from this is that to become a great communicator you should be a great listener.

Terry Ly

If you push yourself and pursue what you want to do in life great things will come your way. Just keep waking up and pursuing your dreams and don’t let anyone knock you down in life.

Layne Morrin

I learned that in order for me to improve my relationship building skills, it is very important to establish recognizable and memorable experiences with others.

Matias Zepeda

Scott’s points about networking motivated me to continue to make as many connections as possible as I earn my degree.

Lindsey Gay

Scott mentioned how networking, volunteering, and joining clubs is key to broadening your network. This intrigued me. I've already started signing up for volunteer work.

Isaac Sternitzky

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ON THE JOBPhilippa BergmannI feel extremely grateful for this internship program and for the opportunity offered to me at 1st Auto and Casualty Insurance as part of the Wisconsin Reinsurance Corporation. Now that I have been working at 1st Auto as a Claims Representative for 2 months, I can’t believe how much I’ve learned in such a short amount of time.

The reason I chose to work in the claims department at 1st Auto was because, although I may not have a lot of related experience, I have a strong customer service background. I feel confident in my ability to uphold the primary tenet of the claim philosophy at 1st Auto: to provide prompt, courteous, and professional claim service. I am learning about the roles that the Claims Rep plays beyond that basic role: to investigate, evaluate, and resolve, claims in a fair and economical way.

This experience has been invaluable for me. I am grateful for the chance to step into the waters in a new profession.

Philippa Bergmann is now working full time in the claims department at 1st Auto & Casualty.

Brigid GravenMy co-worker and I process the semi-monthly pay cycle for approximately 2200 employees located throughout the United States and Puerto Rico. This process entails working with all HR departments very closely.

The objective I am aiming for by completing the Risk Management and Insurance Certificate program is to add a twist to my extensive human resources, payroll, benefits and accounting background which will add value as an employee. The last class I need to complete is the “Intro to Business Insurance Contracts” class. Thus far all of the classes have been beneficial. The one that stands out for me is the “Detecting Employee Fraud” as this class pertains most to the stage of my career I am in now.

Brigid Graven Payroll Specialist II/ Spectrum Brands. Brigid has just completed the Risk Management & Insurance Certificate as of December 2017.

CONGRATULATIONS!Fall 2017 Scholarship Winners

ê Dair yland Chapter of CPCU $1,500 to Michael Scopoline

ê Western Loss Association $1,000 or Intro to Loss Investigations (AIC 30) student textbooks

ê Risk & Insurance Management Society -Wisconsin Chapter $3,500 for Managing Business Risks (ARM54) student textbooks with additional funds for student professional development

CONGRATULATIONS!Fall 2017 Scholarship Winners

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Katie Lowrey Katie Lowrey has completed the Risk Management & Insurance Certificate as of December 2017. Katie enrolled in the program to round out her knowledge of insurance. She is currently an Underwriting Representative with American Family Insurance. What she enjoys about her position is being able to help regulate the business that American Family obtains and keeps by using underwriting guidelines. “It’s rewarding knowing I am helping the company reach its profit goals“, Katie stated.

“The Risk Management & Insurance Certificate helped me improve my knowledge by giving me a deeper insight into insurance as a whole. When working in Insurance you’re only focusing on the area of insurance you’re specialized in. This certificate has helped me think of the bigger picture rather than just a portion of it. I will be able to use this knowledge in all areas of insurance I may work in.”

STACEY OLSONStacey Olson completed all of her courses for the Risk Management & Insurance Certificate and will graduate with her Associate's Degree in Business Management in May 2018. She started interning at the Wisconsin Insurance Security Fund in the spring of 2017. Since then, she has continued part-time as an Insurance Specialist. After graduation, Stacey will move to full time as a Long Term Care Claims Manager and continue with specialized classes towards her designation.

Stacey believes that her studies in the Risk Management & Insurance program were not only instrumental in leading her to this career opportunity but provided her with the knowledge she needed to perform efficiently and effectively in the position. Specifically, Stacey referred to the Intro to Loss Investigations Course providing her with an understanding of how claims are processed, the importance of Good Faith Claims Handling and always making ethical decisions. Stacey added "I truly feel like I'm where I'm supposed to be".

PHILLIPPA BERGMANN BRIGID GRAVEN KATIE LOWREY STACEY OLSON

S T U D E N T V O I C E SS T U D E N T V O I C E S

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5 Techniques for Persuasive CommunicationPersuasive Communication is an effective way to shape or change the responses of your customers by using different techniques to persuade them into buy-ing/believing something different than they originally thought. Persuasion differs from argument in that it uses more attitude rather than facts or logic. The different persuasive communication techniques are bandwagon, testimonial, plain folks, emotional appeal, and snob appeal. Each technique holds a different, yet effective way to convey a message.

With bandwagon, the focus is to convince the audience to think or do a certain thing because “everyone else is doing it”. This technique is usually successful because most human beings do not like to go against the grain. Apple has done such an incredible job at marketing their product that the iPhone is a great example of this. Most individuals buy the iPhone simply because “everyone else has it”.

The testimonial communication technique uses a famous individual to sell a product or convince the prospect to do something. Testimonial communication is a good technique because multiple demographics can be marketed to by using different celebrities. A good example of the testimonial technique is the brand Nike. LeBron James is used in the Nike advertisements to appeal to a wide range of demographics.

The plain folk’s technique uses everyday people to sell a product or idea. A good example of this is the commercial for Cascade. A regular family is used to show that anyone can use this product. This appeals to an audience because they can easily relate to the everyday struggle of washing a ton of dishes.

Emotional appeal is when an audience is persuaded to feel strongly about a certain product or service. This communication technique works well because emotions usually do a good job at

persuading individuals to act such as a commercial where helpless/hurt dogs are shown while playing sad music in the background. Due to the play on emotions, people will be inclined to donate money to the cause.

Snob appeal is an ad that convinces someone to buy because only the best people use the product or service. Snob appeal is effective because people always want to be the best they can be. A good example of this communication technique would be when an individual buys a certain product that will make them feel part of an elite group; buying a Lexus versus a Saturn.

Although each method is effective, the technique used varies depending on the product and the message being conveyed.

Anna Albert, Nick Kanoff, Tyler Anderson

GHC AND MADISON COLLEGEBETTER TOGETHER!

Group Health Cooperative of South Central Wisconsin together with Madison College, our valued community partner, opened a new clinic called the Madison College Community Clinic in August. This state-of-the-art, full service Primary Care Clinic is conveniently located on the first floor of the new Health Education Building at Madison College’s Truax Campus. As of January 1, 2014, members have the option to seek Primary Care from this new facility. (see ad on page 20)

For more clinic information: https://madisoncollege.edu/student-health

Photo provided by THE CLARION

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The Workplace Blame GameIn the workplace, passing blame and accepting responsibility are choices employees encounter and struggle with every day. When dealing with the many responsibilities that come with working as part of a team, inevitably, someone may inadvertently miss a deadline, have a crucial miscommunication or even a public relations crisis. What separates a leader from others is using the mistake as an opportunity to take accountability and seek a creative solution, rather than pass blame.

Why do we feel the need to pass blame? While blame and making excuses is psychological tactic we use to protect our self-image, the consequences that come with passing blame end up harming us in sev-eral ways. Jeanna Bryner from Live Science describes blame as “socially contagious.” She also describes the “kick-the-dog” effect where “if someone high in the hierarchy makes a mistake and blames the person below them for the mistake and that person blames the person below them and so on, and when there's no one else to blame that person goes home and kicks the dog.” When a leader in the workplace refuses to accept responsibility, it reduces productiv-ity and impact; it lowers the standards they normally work within, and it blocks both the leader and their team from attaining goals in the future.

S T U D E N T V O I C E S

When employees make the choice to pass blame, they rob themselves of an opportunity to be their best selves and utilize their team-building skills. Rather than project blame on to fellow team members, it is a better move for employees to turn a negative into a positive by looking for ways to develop and grow from a mistake.

The following steps will help navigate the blame game.

1. Always understand your role/ responsibilities and ask questions. Doing this will make it less likely to make a mistake. 2. Admit the mistake was made. This will lead to a greater level of respect from others. 3. Never take the blame for something you didn’t do. This may cause co-workers to take advantage of you. 4. Objectively analyze your failure. In his Smart-Brief article “No More Excuses,” executive coach Naphtali Hoff emphasizes setting a high self-standard as one of several ways to combat the fear of taking accountability. Self-awareness and the ability to track the cause of a situation at work, where taking accountability becomes necessary, are crucial skills for strong employees to covet.

The main thing to keep in mind when dealing with blame, is whether you are placing it or facing it, is that your choice speaks to your character.

Jessica Grover and Lindsey Gay

Works Cited:

Bryner, Jeanna. “Workplace Blame Is Contagious and Detrimental.” LiveScience, Purch, 19 Jan. 2010, www.livescience.com/8018-workplace-blame-contagious-detrimental.html.

Hoff, Naphtali. “No More Excuses.” SmartBrief, SmartBrief, 23 Oct. 2017, www.smartbrief.com/original/2017/10/no-more-excuses.

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S T U D E N T V O I C E S

Bringing the Classroom to the Industry

Each year, the Western Loss Association graciously invites us to attend their annual conference in Lake Geneva and presents us with a scholarship check. This year, not only did some of our Risk & Insurance Club students attend but students from my business classes joined us. This is a great way for students to be introduced to the industry. Thank you to the WLA for your generosity.

At the Western Loss Association’s Annual Conference, I learned about the different kinds of claims and timelines. I enjoyed learning about bad faith claims. All of the presenters gave us good examples. I enjoyed that the presenters were big on audience interaction during a presentation and it kept our interest.

Hannah Workman

I learned a great deal about what goes into the decision making of investigating claims. Ethics is a basis of that. I had never connected ethics with insurance before. I also learned that you can get

in trouble as an insurer if you do not fully investigate a claim. Being around business professionals was a nice experience from the college student perspective. It was easier to learn being in the position of a student rather than feeling the need to try to already be on their level. Spending time with like-minded students was nice and provided different personalities I would not have otherwise interacted with. I liked the negotiation techniques because I can use that in my day-to-day life!

Jerusha Hassell

Overall, the event was much more interesting and fun than I expected. There was a great deal of audience participation. It was well organized and run. My favorite part was when we took time going over unusual cases and then raising our hands to decide who we think won in the end.

Aria Tivari

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The Big 4There are essentially four types of personalities. The types are analytical, driven, amiable, and expressive. Each type is different, but each is equally as important. It’s important that one knows which types of people they work with because everyone will do things differently. Being able to understand why people behave a certain way is important for the productivity of the workplace. Those with an analytical personality are deep, thoughtful, and serious. They set very high standards for themselves. They are organized and detailed. Their weaknesses include moodiness, often critical or negative outlooks, indecisiveness and the tendency to overanalyze because they are so focused on accuracy. When working with this individual, it is important to be patient and calm as they will work diligently checking and double checking to provide correct information. The driver personality is dynamic and active. They’re not easily discouraged. A person possessing this personality is a natural born leader. They are goal setters, confident, driven, and visionaries. Their weaknesses are that they can appear to be insensitive, unsympathetic, and harsh due to their direct communication. When working with a driver, remember they are task driven. Show appreciation for their ability to get things done but also give them

freedom to achieve their goals. Drivers will take charge and need assistance with the supporting tasks to achieve the goals. The amiable personality is patient, well balanced, quiet, sympathetic, kind and inoffensive. They are very well-liked in their organizations and by their customers. Amiable people work to find answers and solve problems no matter how long it takes. Their weaknesses include the tendency avoidant of conflict and risks. They can become overwhelmed very easily. When working with these individuals one should be gentle and take charge, but let these people help in any way they can. They work well in customer service and support roles. The last personality type is expressive. This type loves to have fun, can be generous, outgoing, and persuasive. They are great is sales and public relations because they are very likeable. Their weaknesses can include being very disorganized because they are less likely to focus on details. They can be seen as loud, and talkative. That’s a tribute to their outgoing personality.These personality types will be everywhere. One might experience working or interacting with these people every day. Understanding the differences allows people to work in harmony and will assist in creating a stable work environment.

Kiley Buss

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Insurance in the New World of CybercrimeI n a world that is constantly innovating and striving

for both a larger quantity and a better quality of online products, the rate at which these products come out are at the highest they've ever been. With over three billion active daily internet users,we've never been more connected. But how do we make sure we are really safe when we log into Facebook or Twitter? How can we be sure that our money is being handled securely when we deposit a check simply by taking a picture of it and sending it off to the bank? These micro issues are faced on a macro level daily by every business, from technology conglomerates like Microsoft and Sony to the local coffee shop down the street. But how can these companies protect their money and their privacy? One answer that has arisen is cybercrime insurance.

Cybercrime insurance was developed to defend businesses against fraud, hacking, and other comput-er related issues. But how does it help protect these companies? According to the article “As Cybercrime Proliferates, so Does Demand for Insurance against It” by John Ydstie of National Public Radio, over half a trillion dollars are lost a year due to cybercrime. This statistic alone certainly proves the necessity for cyber-crime insurance.

Purchasing the right kind of cybercrime insurance is often a difficult task. According to Chris Arehart, Vice President and cybercrime specialist at Chubb Group of Insurance Companies, they will often not even offer a company cybercrime insurance unless they know exactly what they need. “We’re looking for compa-nies that have strong controls in the first place” says Arehart, “and then strong cultural controls that would prevent this type of fraud from making it past the first phone call or the first email that hits the company's

computer systems," Basically, insurance companies are not willing to blindly offer a business cybercrime insurance without knowing what they’re up against.

According to Garrett Droege, the owner of TechAssure, who offers a different brand of cybercrime insurance, “Insurers are being selective because the ultimate risk they're taking is not well understood.” The world of cybercrime is still relatively unproven ground, with hackers getting smarter every day.

As the world goes farther down the seemingly never-ending path of technological advancement, the necessity for cybercrime insurance is clear. What is unclear is how the insurance world will handle moving forward. Since cybercrime is such unmarked territory, it will be interesting to see what happens in the next few years and beyond in the ever changing landscape of cybercrime insurance.

Jude Brandon Author is corrected due to a misprint last issue

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Insurance in the New World of Cybercrime

Online Insurance Shopping

With rapid growth in technology, businesses are forced to keep up. As a result, many insurance companies provide insurance services both online and through mobile apps. This, however won’t hurt private agencies from continuing to sell insurance.

Purchasing insurance online is convenient. Today, convenience is sometimes valued more than quality. People are intrigued by the fact that insurance can be purchased any time, day or night. If you want to avoid the customer interaction, shopping for insurance online is a great option that may not be beneficial for everyone. Technology will not hurt agencies from being able to sell insurance but should in fact benefit the company because it opens a new market which was previously unavailable. Nothing can beat the personal relationship you build with agents. With the average person not having the proper knowledge about insurance, an agent can clarify each policy available and explain coverages or discounts you may need/qualify for. Online, the computer might not know to consider certain coverages and discounts.

Being able to build a relationship with your agent can benefit you at a time of loss, whether it be a loss of a family member or a car accident. With any type of loss, most people would find it comforting to have a familiar voice help you through the process that needs to be handled. In the grand scheme of things, most people will continue to want the security of knowing they are being covered properly and understand what coverage they are being provided with by working with a local agent.

Katie Lowrey

> 83% of insurers see the Internet of Things (IOT) bringing about complete transformation or significant change in the industry. 1 Accenture

> Millennials are as likely to have bought life insurance face to face as other age groups but Millennials are more likely to have bought life insurance through other channels as well. The ability to purchase life insurance at their workplace is a plus for Millennials and improves the likelihood that they will purchase life insurance.2 Limra

> Six in 10 say they don’t know what to buy or how much they need. One of the biggest obstacles is lack of information (up 23 percent from 2010).2 Limra

> More households who believe they need more life insurance say the reason they haven’t purchased is because they haven’t been approached by a financial professional (25 percent in 2010 vs. 35 percent in 2016).2 Limra

Kayla Eckerty

Sources:www.accenture.com/us-en/insight-insurance-technology-vision-2017 www.limra.com/uploadedFiles/limra.com/LIMRA_Root/Posts/PR/_Media/PDFs/Facts-of-Life-2016.pdf

Marketing via Social MediaSocial media marketing has become a common, yet very successful tool for businesses trying to market a product or service to consumers. There are many different social media platforms that can be used such as: Facebook, Twitter, Instagram, YouTube, LinkedIn, etc. Because there are so many different social media websites, it is important to know which one is best used for a different product or demographic. An article titled “Social Media Marketing for Business” found on the website Wordstream.com had some helpful tips about how to use social Media platforms for marketing.

Start with a plan! Ask yourself questions. Who is the target? What does the audience gain by the ad? What social media platforms does the targeted audience use the most?

A business wouldn’t want to post an ad to LinkedIn if their target audience were teenagers. Most teenagers are not on LinkedIn but are on Facebook, Twitter, or Instagram. Keep the brand image consistent! Each social media platform is different in its format. A business wants to assure users are getting the same message whether they view the ad through text posts on Facebook or an image uploaded to Instagram.Social media marketing is a successful tool for businesses. Although social media is a great tool for marketing, it is crucial for companies to use the platforms correctly.

Anna Albert

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The On-Line FrontierSocial media is changing the way companies need to connect with consumers in order to be successful. Businesses are unsure how to captivate the digital au-dience. There are so many new sites and concepts that old tactics just won’t do the trick anymore. The Harvard Business Review uses Jack Daniels Whiskey as an example of marketing tactics that have not worked on another platform. Previously, the company tried and failed to market a masculine drink. Instead they found it best to appeal to the folksy Tennessee area where it is from. This approach has worked well and created a new marketing tactic the article calls “cultural branding.” Also seeking out smaller cultures and promoting them, like Chipotle did with the farm to table movement, is a new success. Companies are struggling to find a creative way to tap into the ever-changing social media world. Entrepreneur’s article “11 Ways to Make Your Next Instagram Marketing Campaign Dazzle” opens with the fact that many businesses struggle to successfully utilize Instagram. Similar to the sentiment made in

Harvard’s article, companies have to try extra hard to stand out in this new online frontier. Entrepreneur’s article offers the following: Consider the timing of the campaign, setting goals, testing content, using dif-ferent channels, learning from others, partnering with influencers, and using the right visuals. There are brands that have existed for years that now have to learn how to keep up with the digital age. It seems the over-all feeling is one of struggle. Whoever figures out how to make it happen will surely be glad they did. Although quite different in purpose and written by different authors, both articles seem to relate to the challenge businesses face in regards to re-learning something that has existed throughout time - marketing. Technology may have made every-day life simplified but it has compli-cated many businesses’ existing strategies. This exciting new world is one that will surely open new doors for marketing professionals.

Raven Ross

Works Cited:Holt, Douglas. “Branding in the Age of Social Media.” Harvard Business Review, 9 June 2016, hbr.org/2016/03/branding-in-the-age-of-social-media.Patel, Deep. “11 Ways to Make Your Next Instagram Marketing Campaign Dazzle.” Entrepreneur, 8 Nov. 2017, www.entrepreneur.com/article/304174.

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Industry DaysOn October 5, 2017, the Madison College Risk & Insurance Club and the Finance Program jointly hosted an annual event called “Industry Days”. Numerous professionals from the insurance and finance industries took time out of their schedules to provide students with tips on proper interviewing etiquette, ideas for improving their career success, and valuable information about the careers available in the industry. CUNA Mutual, Dane County Credit Union, M3 Insurance, NSI – a division of West Bend Mutual Insurance Company, Preferred Wealth Advisors, Rural Insurance, Summit Credit Union, WPS Health Insurance, and our own Career and Employment Center were represented by highly experienced experts in their field. Close to 100 students attended and took away valuable information that is certain to pay dividends in their futures.

What I liked about the presenters: a Were passionate and knowledgeable in regards to their

respective fields.a Communicated their topics in a way that was relevant to

us as students.a Great information from people who do this for a living.a I could ask anything.

S T U D E N T V O I C E S

What I learned:a Employers are not always looking for the skill

set you carry as much as they are looking to see if you fit their core values and culture.

a Inter nships are very important in building networks while allowing yourself to get your foot in the door.

a What to improve on to be ready for the job world.

a The importance of knowing your credit score.a 47% of employers check your credit report.a Be cautious of what you do, share, and say

on social media and the internet, employers look at it.

a It’ s a huge advantage to create a LinkedIn profile.

a Wisconsin’ s insurance industry ranks 5th largest in the country for concentration of insurers.

a How to present myself in a positive way for different employers and employees.

Jerusha Hassell, Adrian Rechy-Garcia, Hannah Workman, Konstantin Mieritz

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Lessons LearnedDuring Industry Days, one of the key lessons learned by students was the importance of creating and maintaining a professional LinkedIn Profile. Surprisingly, many students were not aware of the purpose behind this social media tool or its popularity among employers. The majority of students in attendance had not created a LinkedIn Profile and many were unaware of how to and what to post on one.

Although today’s college students are considered the “tech generation”, many were amazed to hear that potential employers will frequently “Google” an applicant to see what is public on their social media pages. Our presenters not only showed them how to search themselves on line but also how to clean up their on-line image.

Students were equally surprised to learn that potential employers may check their credit scores, why, and how this can have an impact on their hiring potential. With the insurance industry being one that handles large sums of money, this is a regular practice by the Office of the Commissioner of Insurance in licensing an individual and by the insurance companies that contract with them. In 2016, the Office of the Commissioner of Insurance indicated that there were 124,000 jobs in the insurance

industry in Wisconsin and that Wisconsin had the 5th largest concentration of insurers in the nation. Therefore, healthy credit can be instrumental in securing employment post-graduation.

These are a few of the many lessons that our students took away from this valuable morning. On behalf of the college, myself and Marit Brunsell Finance Program Director, I want to thank all of those who led a table and met with our students at Industry Days.

Martha Lester

According to LinkedIn.com> 21 x’s– the increased number of views that profiles with photos

obtain.

> 36 x’s – the increased number of messages that profiles with pictures receive.

> 40 million – the number of students and recent college graduates on LinkedIn.

> $75,000 + – the amount that 44% of LinkedIn users earn annually.

> 3 million – the number of active job listings on LinkedIn.

> 71% - the number of professionals that feel LinkedIn is a credible source of content.

> 26.2 billion – the amount that Microsoft paid to purchase LinkedIn.

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L-R Michael Scopoline, Cody Zach, Bob Battiola

Madison College’s Risk & Insurance ClubMadison College Risk & Insurance ClubOfficers for 2017-2018 School YearMadison College Risk & Insurance Club's goal is to provide students with an educational and social organization that promotes careers in risk management and insurance through networking, leadership, and presentations.

President: Michael ScopolineVice President: Keegan PetselSecretary: Bob BattiolaTreasurer: Cody Zach

Track what the club is doing and watch for upcoming events on Facebook; Insurance & Risk Management Program, Madison College

Michael ScopolinePresident

Michael is duly enrolled in the Business Management program as well as the Risk Management & Insurance Certificate. He has held internships with NSI, a Division of West Bend Mutual Insurance Company and now with the State Medical Society. He also volunteered for "Take Your Child to Work Day" with the Office of the Commissioner of Insurance. Michael is particularly interested in the facets of risk management and was one of the students to go on the New York City trip this past April. Michael played a key role in our Risk Management C.E. course offered twice this past semester. He has received scholarships from the 1752 Club and The Dairyland Chapter of CPCU. This was Michael’s first semester as a club officer.

Keegan Petsel Vice President

Keegan has completed the Risk Management & Insurance Certificate and has one class remaining to earn the new Risk Management & Insurance One Year Diploma. He also has just one more course to complete his Business Management Degree. Keegan has held an officer position in the club for a number of semesters. He was instrumental in running the club’s store at the West Campus, serving as its Assistant Risk Manager. He has attended numerous on and off campus industry events, moderated the last three Executive Insurance Symposiums and at least two of the continuing education programs put on by the club. Keegan has received scholarships from the Public Risk & Insurance Management Association as well as the Dairyland Chapter of CPCU. In addition to completing his studies, Keegan is now working full time as a Worker’s Compensation Adjuster for the Wisconsin Municipal Mutual Insurance Company.

Cody ZachTreasurer

Cody is a Business Management Major who is interested in also learning about the insurance industry. He is working on fitting an insurance course into his schedule. In the meantime, he has attended numerous on campus events that the club has hosted. He is also interested in obtaining an entry level insurance internship. This is Cody’s first semester as a club officer.

Bob Battiola Secretary

Bob is a Business Management student who has completed the concentration for Risk Management & Insurance. He is continuing to take additional courses towards the Risk Management & Insurance One Year Diploma. He has completed the Property & Casualty Pre-Licensing Course and is planning on testing in January. Bob is also planning on taking the Life & Health Pre-Licensing Course this spring. This was his first semester as a club officer. He was one of the students that attended the New York City trip this past April and played a key role in presenting the take-aways in two Risk Management C.E. classes during the fall semester. Bob is interested in obtaining an insurance internship.

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Risk Management & Insurance Courses for the One -Year Diploma

Courses CreditsBUSINESS ORGANIZATION, MANAGEMENT, & ETHICS 3

MARKETING PRINCIPLES 3

INTRO TO PROPERTY & CASUALTY INSURANCE - PRELICENSING 3

MANAGING BUSINESS RISKS 3

DETECTING EMPLOYEE FRAUD 3

MATH OF FINANCE 3

SOCIAL MEDIA PRINCIPLES 3

INVESTMENTS 3

WRIT TEN COMMUNICATION 3

INTRO TO LIFE & HEALTH INSURANCE LICENSING JANUARY 17-MARCH 7, 2018 3 CREDITS MEETS W EVES 5:30-9 COURSE # 10162131 PREPARES STUDENTS TO TAKE THE L, A&H LICENSE EXAM

An overview of all types of life, accident, and health insurance is covered in this class along with the ever-changing laws that apply. This immersion into benefits prepares students well for working with any of these policies in both sales and non-sales capacities. Human Resource Majors who complete this course would stand out among their peers applying for positions.Upon completion of this course, students will have met the required pre-licensing educational requirements and have the option of sitting for their state life & health licensing exam.

INTRO TO LOSS INVESTIGATIONS (AIC 30) MARCH 28-MAY 9, 2018 3 CREDITS MEETS W EVES 5:30-8:20 COURSE # 10162126

This course provides an overview of the claims handling process and introduces the student to the elements of negligence. The class covers the basics of fault, subrogation, litigation, defenses from negligence and more. Paralegal students will find this very interesting and a compliment to current studies. Management and finance students will learn how to protect a business from negligent acts and serve as a basis for students who are interested in future careers in fraud investigation. This course uses the Insurance Institute’s materials for Associate In Claims 30.

INTERNSHIP2 CREDITS ALL SEMESTER

Various paid employment opportunities available for students taking insurance or risk management courses. The class has been broadened to include mentorships which may be unpaid. This course allows students the opportunity to learn while working in the industry. Instructor approval is required.

a

SAVE THE

DATEEXECUTIVE INSURANCE SYMPOSIUM

When: April 11, 2018 8:30-12:30

Where: M adison College, Truax Campus, 1701 Wright Street, Madison Room D1630

Topics: C urrent Issues affecting Health Insurance and Property & Casualty Insurance

C.E.: The program will be filed for 4 WI Intermediary CE Credits

Cost: $99 per person or a table of 6 for $500, when purchased by March 18, 2018$125 per person or a table of 5 for $500, when purchased March 19-April 11, 2018

To Register: E-M ail Martha at MLLester@madisoncollege.edu

MORE INFO ON THE SYMPOSIUM

WILL BE COMING

SOON

HowC anY ou HELP ATTRACT NEWT ALENTT OT HE INDUSTRY?D O N O R STHANK YOU TO OUR 2017 SCHOLARSHIP DONORS

AAA WisconsinCUNA Mutual GroupDairyland Chapter of Chartered Property Casualty Underwriters Group Health CooperativeM3 InsurancePublic Risk & Insurance Management AssociationWestern Loss Association Wisconsin 1752 Club Wisconsin Chapter Risk & Insurance Management SocietyWisconsin Physicians Services

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INSURANCE ADVISORY COMMIT TEEA SPECIAL THANKS TO THOSE WHO DONATE TIME AND WISDOM TO MAKE THIS PROGRAM POSSIBLE:

Kay Abel Agency Owner, Abel InsuranceMike Daniels Agent, Farmers Insurance Diane Dillet Agency Owner, Dillett InsuranceDeena Driese Madison Claims Care Center Branch, American FamilyKjirsten Elsner Madison Manager Branch Office, Securian Financial Group and its affiliatesRyan Lessner NSI, a division of West Bend Mutual Ins. Co.Heidi NienowZach Penshorn Director Human Resources, M3 InsuranceJustin Rixie Sales Executive, Dean Health PlanDanielle Rogacki Operations Manager, Wisconsin Municipal Mutual Insurance CompanyOlivia Rush Talent Acquisition Specialist, CUNA Mutual Al Wearing Chief Insurance Services Officer, Group Health CooperativeMark Xistris Vice President Provider Relations, Wisconsin Physicians Services

¾ Advertise in TIPsAll 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.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• Non-sales articles by “Gold” advertisers¾ Advisory CommitteeVolunteer your time to help direct our program.¾ Annual Executive SymposiumAttend 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 & Profes-sional Development Fund.¾ Employ our GraduatesContact Martha Lester with job opening details.¾ Financial GiftsProvide a tax deductible donation to our Foundation specifically for Insurance & Risk Management Scholarships & Professional Develop-ment. 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 athttps://6690.thankyou4caring.org/donate select "other" in the drop down box and indicate Insurance Professional Development Fund. 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 SpeakingVisit our classes and share your story, knowledge, and experience.¾ Host a Dine & DiscoverVisit 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 InternshipsOffer our students part-time employment opportunities during the school year or full time during the summer to enhance their learn-ing 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.

CONTACT:MARTHA LESTER, MLLESTER@MADISONCOLLEGE.EDU 608-243-5417

STUDENTS working toward a degree in Business Management or Finance can earn a Concentration in Insurance & Risk Management by completing 6 Insurance & Risk Man-agement Credits. Other majors may accept these courses as electives.

SCHOLARSHIPS ARE AVAILABLE: CONSIDER JOINING OUR CLUB!

MADISONCOLLEGE.EDU/ MADISON COLLEGE RISK &

SPECIAL-SCHOLARSHIP- INSURANCE CLUB

APPLICATIONS

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