CIC. The Designation With a Difference.The Society of Certified Insurance Counselors (CIC) is a not-for-profit organization that provides educational opportunities to help professionals succeed in the insurance industry. Beyond the classroom hours and comprehensive examina-tions, the CIC designation represents a career-long commitment to education. Symbolizing achieve-ment, scholarship, and a place among the top echelon of insurance professionals in the country, CIC is the mark that will set you apart.

Benefits of the CIC Programn Competitive Advantage. In today’s ever-

changing market, knowledge makes the difference.

n Professional Standing. The prestigious CIC designation gives you an edge over the competition.

n The Most for Your CE Dollar. Meet your state’s legal requirements while gaining the best insurance education available.

n Information You Can Use — Now. Avoid errors and omissions claims by staying up-to-date on the latest issues.

n Improved Service Capabilities. What you learn touches all aspects of your business — sales and service.

n Critical Management Skills. Learn proven business techniques from industry experts.

Life & Health

Life & Health InstituteSioux Falls, South Dakota July 15-18, 2009

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Staying ahead in the insurance industry is your business. Helping you is ours.

July 15-18, 2009 Sioux Falls, South Dakota

Eligibility and Identification Requirements To attend an institute and/or sit for the examination, you must:

n Be licensed as an agent, broker, solicitor, or

n Have at least two years of full-time experience as a practitioner in insurance or risk management, or

n Have served at least two years as a full-time insurance faculty member at an accredited college or university.

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2009 ConfermentShow your support for the newest CICs, CRMs, & CISRs in South Dakota at the Conferment Luncheon on Thursday, July 16, 2009, at the Holiday Inn City Centre. The ceremony will be held at noon in conjunction with the Life & Health Institute. Participants of the institute are welcome to attend — it is included in your registration fee. Please note that if you will be accompanied by a guest, a $20 charge will apply.

Life & Health Institute July 15-18, 2009 • Sioux Falls, South Dakota

Participant Data:Name: q Mr. q Ms.

First Name Preference: _________________________________

Designations Completed: ______________________________

This is my first attendance at a CIC Institute: q Yes q No

Agency CE Contact: ____________________________________

Agency/Company: _____________________________________

Mailing Address: _______________________________________

City/State/Zip: ________________________________________Is this an address change? q Yes q No

Phone: (__________ ) __________________________________

Fax: ( __________ ) ________________________________

Email: _______________________________________________

Payment Method:Your Price: $359 per person. Check appropriate boxes. q $20 for Conferment Luncheon Guests q Check enclosed: Payable to Society of CIC

q Charge to: q MC q VISA q AMEX q DISCOVER

This card is: q Corporate q Personal Exp. Date:____________

Card #: _______________________________________________

Cardholder Signature: ________________________________

To Register:MAIL: The National Alliance PHONE: 800-633-2165

P.O. Box 27027 FAX: 512-349-6194 Austin, TX 78755-2027

WEBSITE: www.TheNationalAlliance.comCancellation Policy: Cancellations received within 7 calendar days of a program will incur a $75 fee. If you do not cancel and do not attend the program, you will incur a $125 fee. The balance of the registration fee may be refunded or transferred to another course. You may substitute an eligible person for the same event anytime at no charge with notification prior to the course. For more information regarding administrative policies such as complaint and refund, please contact our office at 800-633-2165. In accordance with Title III of the Americans with Disabilities Act, we invite all registrants to advise us of any disability and any requests for accommodation to that disability. Please submit your request as far as possible in advance of the program you wish to attend.

LAST FIRST MIDDLE INITIAL

Wednesday, July 1512:30 p.m. - 1:00 p.m. Registration1:00 p.m. - 5:15 p.m. Life Insurance Concepts Brian G. Sumption, CIC

Rural Mutual Insurance Richland Center, Wisconsin

Discuss why people buy life insurance. Identify the uses and features of various types of life insurance policies. Study policy provisions, riders, application of nonforfeiture values, dividend options, settlement options, and beneficiary designations.

5:15 p.m. - 5:30 p.m. Exam Briefing

Thursday, July 168:00 a.m. - 12:00 p.m. Health Insurance Concepts Kent E. Anthony, CIC, CFP, RFC, CMFC

First Group Insurance Sterling, Kansas

Analyze policy designs, exclusions, limitations, and provisions of various health insurance products. Discuss special considerations applicable to group insurance. Explain the basic workings of Health Savings Accounts and Health Reimbursement Accounts. Acquire a basic understanding of Federal legislation that relates to health insurance.

12:00 p.m. - 1:00 p.m. Conferment Luncheon

(included in your registration fee)* 1:00 p.m. - 3:00 p.m. Disability Income and Long Term Care

Insurance Kent E. Anthony, CIC, CFP, RFC, CMFC Analyze disability income contracts by comparing

definitions, provisions, exclusions, and benefits. Discuss the levels of care, triggers of coverage, and major provisions of Long Term Care policies.

3:00 p.m. - 5:00 p.m. Annuities Kent E. Anthony, CIC, CFP, RFC, CMFC Describe the importance and uses of annuity contracts.

Explain the different classifications, provisions, and riders of annuities. Acquire a basic understanding of federal taxation issues as they apply to annuities.

Friday, July 178:00 a.m. - 12:00 p.m. Application of Life & Disability Income

Insurance to Business Needs Michael G. Patterson, CLU, ChFC, CFP

Advisors Financial Group Raleigh, North Carolina

Discuss business continuation problems for basic types of business organizations and the importance of buy-sell agreements in solving these problems. Explain how life insurance or disability income insurance can fund business continuation plans. Discuss the application of the Business Overhead Expense Policy. Establish the why and how of insuring key people in a business. Review the use of Executive Bonus plans.

12:00 p.m. - 1:00 p.m. Lunch (on your own)1:00 p.m. - 3:00 p.m. Retirement Planning Michael G. Patterson, CLU, ChFC, CFP Discuss qualified and non-qualified retirement plans. Learn

the basics of various employer sponsored retirement plans. Explain the difference between a traditional and Roth IRA.

3:00 p.m. - 5:00 p.m. Planning for Personal Needs Michael G. Patterson, CLU, ChFC, CFP Explain the steps of the planning process. Know the basic

Social Security benefits that may be available to survivors or disabled individuals. Discuss various methods of analyzing the needs for personal life and disability income insurance and identify specific products that can be suggested to meet those needs.

Saturday, July 188:30 a.m. - 10:30 a.m. Optional Exam

C-1

Continuing Education Credit Attendance at this Life & Health Institute qualifies for 12 LH hours of continuing education credit in South Dakota. In addition, by completing this course, you may be eligible to fulfill the continuing education requirement for other programs, including CISR, CRM, ACSR, CFP, CPA, CPCU, CPSR, and CLU/ChFC. Requirements vary by state. If you have questions, please call the CE department at The National Alliance at 800-633-2165. The National Alliance for Insurance Education & Research is registered with the National Association of State Boards of Accountancy (NASBA), as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to National Registry of CPE Sponsors, 150 Fourth Avenue North, Suite 700, Nashville, TN 37219-2417. Website: www.nasba.org. Advanced Curriculum Rating = 20 CPE credits in most states.

Hotel InformationHoliday Inn City Centre 100 West 8th Street Sioux Falls, SD 57104 Call 605-339-2000 for reservations.

Register by June 28, 2009, to receive The National Alliance room rate of $84 for single or double accommodations (subject to availability). Be sure to mention the group code, “The National Alliance.”

Travel Discounts Available

Avis Rent-A-Car offers a discount to CIC participants. To take advantage of this discount, call Avis at 800-331-1600 (AWD No. S745899).

All participants must present photo I.D. to the on-site registrar.

Call 800-633-2165 for more information. Upcoming ProgramsJuly 13 CISR Insuring Commercial Property Sioux Falls July 14 CISR Agency Operations Sioux Falls

Agenda Important Information Registration