GUAA Annual Conference AgendaMay 17-20, 2015

Sunday, May 17, 2015

2:00 – 6:30 pm Registration4:00 – 5:00 pm New Member Reception5:00 – 6:30 pm General Reception

Monday, May 18, 2015

7:00 – 8:00 am Breakfast8:00 – 8:30 am Welcome and Opening Remarks

8:30 – 10:00 am General SessionInsurance Underwriting and The Patient Protection and Affordable Care Act (PPACA): A need to knowRichard Sanders, President, The Sanders Law Firm, P.C.Not all carriers and underwriters may be in the medical insurance space, but PPACA has undoubtedly impacted all group lines. The HealthCare Exchanges created as a result of PPACA represent a new distribution channel, creating opportunities for new products and new customers in all the lines represented at GUAA: health, life, disability, dental and vision.

PPACA is a multifaceted and interconnected series of mandates, incentives, and penalties, all of which share the primary goal of increasing healthcare quality and access, while also bringing down its cost. As the policy debate surrounding PPACA rages on in the courts and in the Congress, the effects of the law are already being felt in the real world. Insurance underwriting is no exception. Our keynote speaker will help educate and guide us through the overall impact of PPACA on our industry and the economy as a whole.

10:00 – 10:15 am Break

10:15 – 11:15 am Workshop I

Specialty and Health - Underwriting Organization and Structure Megan Benson, Director, Marketing and Underwriting, RGA; Christina Haertzen, Senior Marketing Underwriter, RGAAn interactive session during which we will review how insurance companies organize their underwriting departments and approach quality assurance. We'll provide answers to: what tasks do underwriters perform, are they allowed to work from home, what products do they work on, what criteria are used to assign work, what are the

advantages/disadvantages of the structure in place, and how is quality assurance conducted. We will also discuss strategies for managing underwriter performance. This session will provide survey results, highlight best practices and encourage audience participation through polling and guided discussion.

Dental - Multiple Option Dental Benefit Plans Toby Hall, Senior Vice President and Actuary, Delta Dental of Michigan, Ohio and IndianaToday’s employer benefit landscape looks to provide flexible plan options with employee choices: Buy Up Plans, Dual Choice, Triple Choice and beyond. Co-existing with other Carriers and Private Exchanges are among the challenges in seeking a market niche. This presentation identifies underwriting issues and how to minimize “adverse selection” to successfully underwrite multiple option dental programs and meet the customer needs.

Disability - Disability and the EconomyNoel Kirsch, Director, CignaGroup Long Term Disability experience is difficult to predict: and, as a result, it is challenging to underwrite successfully. This session will focus on how changes in the economy or government policies can affect different industries and their experience.

11:30 – 12:45 pm Lunch

12:45 – 1:45 pm Workshop II

Specialty and Health – The Pitfalls and Successes of Going Up or Down MarketStephen Matrone, Regional Vice President, Anthem Blue Cross Blue Shield of Nevada; Jacqueline Hennessy, Select Underwriting Director, Cigna; Judy Buczek, Project Manager, Guardian Life; Charles Brousseau, Vice President, PrudentialA guided panel discussion featuring insurance carriers' perspective in "moving up or down market" (focusing on a larger or smaller segment of groups in the marketplace). Panel participants will share their company stories and talk about how the move up or down impacted: organizational structure, underwriting staffing, sales, training, service focus, administration systems and workflow. We will also address best practices and lessoned learned. Product focus will be group medical, life and disability.

Disability - Americans with Disabilities Act – The Basics of the Employment Title and the Challenges Employers Face TodayLeigh E. Baade, Consultant, AetnaCompliance with the Americans with Disabilities Act, (ADA,) has challenged employers for the better part of 25 years. Increasingly, their Employee Benefits Management Teams are looking for outside support to meet this challenge. The insurance industry has responded with services to help meet the challenge. As new services are developed, a familiarity with the basic concepts of the ADA is becoming a must. This presentation will focus on the primary pillars of the Employment Title of the ADA, as well as employers’ current compliance challenges.

Life - Private Exchanges - Broker PerspectiveRob Harkins, Practice Leader, Private Exchanges at Willis; Frank Keating, Vice President, AonHewittPrivate Exchanges are here. Really! This session will present a panel discussion with two leading experts on Private Exchanges. They will provide an intermediary’s perspective on the issues they face on a daily basis along with an overview of the role Private Exchanges play in the ancillary market (with an emphasis on group life products) both today and in the future. They will also address a variety of common questions we all encounter such as client and consultant expectations, common myths and their realities. There will also be an opportunity for an interactive discussion to answer the questions you have about Private Exchanges.

1:45 – 2:00 pm Break

2:00 – 3:00 pm Workshop III

Specialty and Health - Travel Insurance – Kidnap and Ransom (including Prevention Services)Nicholas Barry, Senior Account Executive, Willis; Michael Dangler, Executive Vice President, WillisLed by Phil Seel and Nick Barry, there will be a discussion of a variety of topics related to Travel Insurance. They will focus on the areas of Business Travel Accident Insurance, Out of Country Medical Insurance as well as Kidnap, Ransom, Extortion and Workplace Violence Coverage. Come and hear industry experts discuss the market landscape and details of these products.

Dental – Ask A Dental ActuaryKelly Wieseler, Senior Vice President, Ameritas; Toby Hall, Senior Vice President, Delta Dental of Michigan; Joanne Fontana, Actuary, MillimanThis is an interactive discussion where the audience has the opportunity to ask key questions and generate dialogue on areas that are important to underwriters. The purpose of the session is to provide underwriters with an actuarial perspective on risk analysis, rate setting and data compared to what underwriters see in a production environment.

Life - Let's Talk ShopHoward Halpin, Director, Group Reinsurance Plus; Dan Soderberg, Director and Actuary, PrudentialAn interactive discussion on what's happening in the market and current issues facing our industry. Hear how your peers respond to challenging situations.

3:00 – 3:15 pm Break

3:15 – 4:15 pm Workshop IV

Life - AD&D- It Adds UpPeter Heinrichs, Vice President and Marketing Actuary, Swiss Re; John Chatfield, Director, PrudentialWe will take a look at the AD&D market place including competition, benefits and features as well as the "fit" for this product within an employer's benefit program.

Dental - Pricing and Underwriting Considerations for ACA Compliant Dental BenefitsJoanne Fontana, Actuary, MillimanThe Affordable Care Act has caused major changes in the way dental benefits are constructed, purchased, and marketed. These changes bring new underwriting and pricing challenges, especially in the small group marketplace. This presentation will discuss underwriting and pricing considerations for ACA-compliant dental products as well as other emerging dental market trends.

Disability - Exchanges One Year LaterMichelle Dietz, Assistant Vice President, UnumPrivate Exchanges are having an impact on how Life and Disability products are purchased by employers for their employees. This session will be geared towards exploring exchanges from a benefit administration perspective and will discuss the following: 1) Ins and outs of working with Exchanges from a benefits administration perspective; 2) Myth versus reality of Exchanges; and 3) How are Exchanges responding to the challenges they have heard coming from insurance carriers and benefit administrators.

6:30 –9:30 pm Evening Event- NASCAR Hall of Fame

Tuesday, May 19, 2015

6:30 – 7:30 am Fun Run – Meet in Hotel Lobby7:00 – 8:30 am Committee Breakfast Meetings7:30 – 8:30 am Breakfast

8:30 – 9:30 am Workshop V

Dental - Private ExchangesBrian Beckman, Director, MetLifePrivate Exchanges are emerging as a distribution channel within the group insurance space that is changing the way products are delivered. It could significantly change the way employers purchase and provide coverage to employees. This session will inform the audience about the characteristics and progress of Private Exchanges, and impact on underwriting dental cases.

Disability - How to Avoid the Big MistakeShawn Dutremble, Vice President, Underwriting, Custom Disability Solutions; Rich Clement, Senior Vice President, Smith Group ReAs underwriters we are charged with making sound risk and pricing decisions every day. Odds are, we will make a mistake at some point. The question is, how do we avoid the big mistake? This session will use a real example of a decision that led to a big mistake, review why the decision was made and talk about how the mistake could have been avoided if at all.

Specialty and Health - Pet InsuranceScott Liles, Vice President, Chief Pet Insurance Officer, Nationwide Growth SolutionsPet insurance in the United States is a rapidly growing market that is gaining traction with traditional insurers and employer groups. Despite years of double digit growth, it remains a niche market. This session will discuss the market structure, growth, product designs and factors that are creating both tailwinds and headwinds to growth and expansion.

9:30 – 9:45 am Break

9:45 – 10:45 am Workshop VI

Dental - NADP Review of the Affordable Care ActEvelyn Ireland, Executive Director, National Association of Dental Plans (NADP)Evelyn Ireland is a nationally recognized expert on the dental industry and ACA. She will be sharing updates on how the dental benefits market place is being reshaped. Among the topics to be discussed will be insights on employers’ decisions related to dropping coverage, migrating employees into exchanges, and the impact on consumers.

Life - Life RisksDominic Smith, Senior Manager, LifeRisksPandemic risk expert Dominic Smith will focus on Risk Management Solutions’ modeling projects that can be used to inform and protect organizations from the financial impact of mortality events. His presentation will cover Risk Management Solutions’ modeling of pandemic, epidemic, and terrorism events.

Specialty and Health - CDC Series: "The Health Consequences of Smoking - 50 Years of Progress"Dr. Brian King, Acting Deputy Director, Centers for Disease Control and Prevention (CDC)In January 2014, 50 years after the first Surgeon General's report on smoking and health, the Surgeon General released the report, “The Health Consequences of Smoking–50 Years of Progress”. This presentation will highlight the half century of domestic and international public health progress outlined in that report, as well as existing challenges and emerging issues in the field of tobacco prevention and control.

10:45 – 11:00 am Break

11:00 – 12:00 pm Workshop VII

Specialty and Health - Critical Illness: Now What?

Jeff Schuh, Vice President and Actuary, RGA; Chelli Esser, Senior Case Underwriter, Voluntary Products, Securian; Steve Toby, Director Worksite Planning, GuardianA review of the product features, market summary, future changes, and underwriting considerations of group Critical Illness in the US market. Speakers will provide a brief overview of the market with a guided panel discussion to follow. This session will provide a look at the current group voluntary/worksite Critical Illness market from the differing perspectives of small case and national account carriers.

Dental - Voluntary Dental in Today’s MarketplacePanel DiscussionA broker panel discussion on how the Affordable Care Act along with the introduction of public and Private Exchanges and employers’ demand for choice are impacting the voluntary dental market.

Disability - How Employers are Using Big DataAlan GaNun, Moderator, Underwriting Director, Zurich; Jody Amodeo, Vice President of Cross Market Initiatives, Truven; Phil Lacy, Health and Productivity Practice Leader, TrionBenefits and risk managers are increasingly being asked by their C-suite how company provided benefit plans are impacting business results. To better answer these questions, larger employers have turned to data warehouses and integrated data metrics to better understand population health and the impact of benefit design across disparate benefit programs. This session will look at different ways employers are integrating health, Rx and absence/disability/workers compensation data to understand the bigger picture of population health.

12:00 – 1:30 pm Lunch

1:30 – 2:30 pm Workshop VIII

Specialty and Health - CDC Series: "Reducing the Burden of Chronic Disease Through Physical Activity"Dr. Qaiser Mukhtar, Health Scientist, Centers for Disease ControlChronic Disease Prevention and Health Promotion at Worksites: Chronic diseases and conditions such as heart disease, stroke, cancer, diabetes, obesity, and arthritis are among the most common, costly, and preventable of all health problems. This presentation will highlight how employers can support the U.S. workforce in their efforts to stay active and healthy.

Life - Group Life Demographic Trends and Mortality ImprovementAmy Whinnett, Associate Actuary, Munich American Reassurance Company; Adam Krawiec, Assistant Vice President, Underwriting, The HartfordUsing historical workforce data, group life experience results, and projections from the Bureau of Labor Statistics we will explore trends in the demographic makeup of the insured population and discuss its impact on how carriers approach aging and mortality improvement in group life underwriting.

2:30 – 2:45 pm Break

2:45 – 3:45 pm Workshop IX

Specialty and Health - Global Emergency Assistance ServicesStephanie Croquez, Vice President, Business Development, Assist AmericaThe first global emergency services (“assistance”) programs were introduced in Europe in the late 1940s to support travelers who experienced vast differences in healthcare quality and language simply by crossing neighboring country borders; the concept reached the United States in the mid-1970s. Today, more than 25 million Americans have assistance coverage through their group insurance plans. Not all assistance programs are created equal. This workshop educates attendees about the criteria for evaluating global emergency assistance services plans, how to pick the right provider and how to use a robust assistance program to leverage insurance product sales.

Dental - Let’s Talk ShopNathan Schwartz, Senior Underwriter, Sun LifeThe “Let’s Talk Shop” session is popular with members looking to discuss best practices, network with peers and ask questions of other members. General underwriting and industry topics are discussed through an interactive question and answer format.

Life and Disability - Group Life and Disability Case Study: What is your Rate?Remy Bernardon, Vice President, Met Life; Mike Anderson, Director, Employee Benefits Underwriting, Sun Life; Rich Clement, Senior Vice President, Smith Group Re; Mark Higgins, Assistant Vice President, Underwriting, The HartfordUsing results from an actual case, this interactive session will present results, discuss and solicit attendee feedback on various Life and Disability underwriting topics.

4:00 – 5:00 pm Board/Committee Chair Meeting5:00 – 6:00 pm Reception

Wednesday, May 20, 2015

7:30 –8:30 am Breakfast

8:30 – 9:30 am Workshop X

Disability - Let’s Talk ShopJudy Buczek, Project Manager, Guardian Life; Gwen Stoveken, Director of Underwriting, PrudentialAn interactive session that provides an open forum for exchanging thoughts and ideas with industry experts (all of you!). Please come prepared with your questions, comments, and observations around the latest trends in our industry.

Specialty and Health - Healthcare Claims - Can we Minimize the Guesswork?Barb Tomlin, Director ROSE Program, Quota Share Medical; Tom Kaste, Director of Underwriting, Quota Share MedicalWe will discuss high exposure health claims and how to manage them in the current marketplace by implementing underwriting and claims strategies.

9:30 – 9:45 am Break

9:45 – 11:00 am General SessionDr. Jerry Punch, Television Commentator and Pit Analyst, ESPNAlmost daily, we are confronted with challenges that require us to make critical decisions. Some of these choices are simple but others can lead us down a path that could impact our lives and the lives of others for years to come.

Have you ever noticed how the pursuit of happiness and success in our personal and professional lives can mimic the final dramatic moments of a sporting event? Consider that after years of preparation, practice and planning, a single split second decision could determine our fate.

This presentation will chronicle some true stories of how several race car drivers and coaches not only had the vision to make a decision, but the courage to follow it through. You will see how even the simplest of choices can impact the lives of many. You will finally understand why it is often said that “Vision without action is a daydream, but action without vision can be a nightmare.”