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Legislative Testimony

 

 

IN SUPPORT OF SENATE BILL 924
AN ACT REQUIRING THAT HEALTH CARRIERS USING THE CONNECTICUT HEALTH INSURANCE EXCHANGE
PAY A MINIMUM COMMISSION TO CERTAIN INSURANCE PRODUCERS

On March 7, 2017, IIAC President, submitted the following written statement to the Insurance and Real Estate Committee:

Senator Larson, Senator Kelly, Representative Scanlon and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 118 years.  IIAC currently represents more than 400 member agencies and their associates as well as their 3600-plus employees.  

Thank you for the opportunity to comment on Senate Bill 924, An Act Requiring That Health Carriers Using the Connecticut Health Insurance Exchange Pay a Minimum Commission to Certain Insurance Producers.  Insurance producers licensed to sell life and health insurance must complete 80 hours of education and they have a 24 hour continuing education requirement every two years.  These requirements assure the proper initial training and mandates the process of continuing education so that insurance producers maintain the critical knowledge of the changing insurance industry.  Producer education is essential to consumers as their agent provides assistance in placement in the health insurance marketplace, guidance in claims processing and tailoring health and other insurance needs of the consumer.  These essential services are important to the consumer and a provision that provides for a reasonable commission is necessary for those insurance producers that assist an individual or small employer to evaluate their health insurance needs.  A minimum level of compensation will allow the insurance producer to continue to provide the necessary services, value and guidance for Connecticut consumers.

IIAC appreciates your consideration of this issue.

 

IN SUPPORT OF HOUSE BILL 7126
AN ACT CONCERNING TRANSPORTATION NETWORK COMPANIES

On March 2, 2017, IIAC President, submitted the following written statement to the Insurance and Real Estate Committee:

The Independent Insurance Agents of Connecticut supports House Bill 7126, An Act Concerning Transportation Network Companies as it places standards and insurance regulations that provide a safe environment for the residents of Connecticut and all consumers that use a transportation network company in Connecticut.

IIAC urges the committee to adopt additional provisions which are included in the NCOIL model act.  This will be consistent with setting and complying with a national standard as recommended by the NCOIL and the insurance industry.

Thank you for the opportunity to submit this statement from the Independent Insurance Agents of Connecticut.

 

IN OPPOSITION TO RAISED BILL 808
AN ACT INCREASING THE MINIMUM AMOUNT OF INSURANCE COVERAGE REQUIRED TO
ISSUE A MOTOR VEHICLE OPERATOR'S LICENSE OR CERTIFICATE OF MOTOR VEHICLE REGISTRATION

On February 23, 2017, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:

Senator Larson, Senator Kelly, Representative Scanlon and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 117 years.  IIAC currently represents more than 400 member agencies and their associates as well as their 3600-plus employees.  

Raised Bill 808 will increase the minimum amount of insurance coverage to issue a motor vehicle operator's license or certificate of motor vehicle registration.  The current minimum limits for motor vehicle insurance recognizes that Connecticut drivers have the responsibility and requirement to purchase insurance to maintain their operator's license and registration.  The insurance premium paid for the current limits reflect that.

Increasing the minimum limits for motor vehicle insurance will impact the minimum premium charged for Connecticut drivers. Increased limits are available in the marketplace for those that choose a higher limit and are able to pay any increase in the premium which may occur.  Currently, there is an affordable marketplace for auto insurance at all coverage limits.  Increasing the minimum limits will have a negative impact on the cost of auto insurance for those that cannot afford increases in their premiums and this may also, as a result, impact the number of uninsured motorists. 

IIAC appreciates your consideration of this issue.

 

IN FAVOR OF HOUSE BILL 5135
AN ACT CONCERNING ELECTRONIC PROOF OF AUTOMOBILE INSURANCE IDENTIFICATION CARDS

On February 16, 2017, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:

Senator Larson, Senator Kelly, Representative Scanlon and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 117 years.  IIAC currently represents more than 400 member agencies and their associates as well as their 3600-plus employees.  I come today to speak in favor of House Bill 5135. 

House Bill 5135 will permit automobile insurance identification cards to be provided electronically for motor vehicle traffic stops and registration of motor vehicles with the Department of Motor Vehicles.  Cell phones, iPads, and numerous other portable devices are used by the majority of Connecticut's population.  The availability of app's by insurance companies to provide their customers with information on their policy or to report a claim is also an increasing component of the current technology. Connecticut drivers benefit from the use of this technology and the addition of electronic proof of insurance would be welcomed in our state.

HB5135 will allow Connecticut to join the 46 states that have proactively enacted legislation to allow the use of electronic proof of insurance. 

We urge the committee to support HB5135. 

In Support of House Bill 5343
An Act Adopting The National Association of Insurance Commissioners’
Interstate Insurance Product Regulation Compact
 
On March 1, 2016, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:
 
Senator Crisco, Representative Megna and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  Senator Crisco, Representative Megna and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 117 years.  IIAC currently represents more than 400 member agencies and their associates as well as their 3600-plus employees.  IIAC would like to offer the following comments concerning House Bill 5343. 
 
The Independent Insurance Agents of Connecticut supports House Bill 5343 as it will streamline the state-based insurance regulatory system and provide a uniform national products standard for life insurance, annuities, disability income, and long term care insurance.  IIAC further agrees with the NAIC that “The Compact presents a positive situation for consumers, state insurance regulators and insurers, as consumers will benefit from high product standards and quicker access to a broader choice of investment products, regulators will be able to share best practices and use their resources more effectively, and insurers will be able to enjoy a more level playing field in competing with banks and securities firms.”
 
IIAC urges the members of the Insurance and Real Estate Committee to support the concepts of House Bill 5343.  IIAC also suggests your consideration in utilizing the language of House Bill 5051 which would follow the language in NAIC compact legislation that has been approved in 43 states and will put Connecticut in alliance with these states. 
 
Passage of the NAIC Compact will bring efficiencies to the regulatory system for insurance in Connecticut.  IIAC urges your support of House Bill 5343.
In Favor of House Bill 6914
An Act Concerning Demolition Licensure and Demolition Permits
 
On March 3, 2015, IIAC President, Warren Ruppar, presented the following testimony to the Public Safety and Security Committee:
 
Senator Larson, Representative Dargan and members of the Public Safety and Security Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 116 years. IIAC currently represents more than 400 member agencies and their associates as well as their 3600-plus employees. I come to you today to speak in favor of House Bill 6914.
 
House Bill 6914 will clearly define that the town or city and its agents shall be saved harmless from any claim arising out of negligence of the applicant or the applicant’s agents or employees during the demolition.
 
The Independent Insurance Agents of Connecticut urges the committee to support HB6914.
  
In Favor of Senate Bill 4
An Act Concerning the Electronic Presentation of
Automobile Insurance Identification Cards
 
On February 9, 2015, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:
 
Senator Crisco, Representative Megna and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 116 years. IIAC currently represents more than 400 member agencies and their associates as well as their 3600-plus employees. I come to you today to speak in support of Senate Bill 4.
 
Senate Bill 4 will allow Connecticut drivers the presentation of an automobile insurance identification card by electronic format.  Cell phones, iPads, and numerous other portable devices are used by the majority of Connecticut’s population.  The availability of app’s by insurance companies to provide their customers with information on their policy or to report a claim is also an increasing component of the current technology.  Connecticut drivers benefit from the use of this technology and the addition of electronic proof of insurance would be welcomed in our state.
 
Senate Bill 4 will allow Connecticut to join the 38 states that have proactively enacted legislation to allow the use of electronic proof of insurance. 
 
We urge the committee to support Senate Bill 4.
 
In Favor of proposed bill 5383 An Act Concerning the Use of Electronic Insurance Cards
and
Proposed Bill 5930 An Act Concerning Electronic Automobile Insurance Cards 
 
On February 9, 2015, IIAC President, Warren Ruppar, presented the following testimony to the Transportation Committee:
 
Members of the Transportation Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 116 years.  IIAC currently represents more than 400 member agencies and their associates as well as their 3600-plus employees. IIAC supports the concepts of Proposed Bills 5383 and 5930.
 
Proposed Bills 5383 and Proposed Bill 5930 will allow Connecticut drivers “the use of electronic insurance cards for the purposes of motor vehicle traffic stops and automobile registration.”  Cell phones, iPads, and numerous other portable devices are used by the majority of Connecticut’s population.  The availability of app’s by insurance companies to provide their customers with information on their policy or to report a claim is also an increasing component of the current technology.  Connecticut drivers benefit from the use of this technology and the addition of electronic proof of insurance would be welcomed in our state.
 
Proposed Bills 5383 and Proposed Bill 5930 will allow Connecticut to join the 37 states that have proactively enacted legislation to allow the use of electronic proof of insurance. 
 
We urge the committee to support the concepts in Proposed Bill 5383 and Proposed Bill 5930.
 
 
In Opposition to Raised Bill 480 An Act Concerning Life Insurance Producer Licenses and Registrations of Broker-Dealers, Agents, Investment Advisers and Investment Adviser Agents
 
On March 18, 2014, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:
 
Senator Crisco, Representative Megna and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 115 years. IIAC currently represents more than 400 member agencies and their associates as well as their 3600-plus employees. I come to you today to speak in opposition to Raised Bill 480.
 
Effective September 1, 2002 Connecticut joined the other states in enacting an NAIC Model Licensing Law.  This legislation brought standards and reciprocity to producer licensing throughout the country.  Raised Bill 480 proposes to change the model act specifically in Sections 2 – 5 of the proposal.  IIAC does not support changing the provisions included in the current statute.  The current licensing laws for producers have proven to be effective and part of the national standard and therefore any changes should be opposed.
 
We thank you for your consideration.
 

 

 In Support of Senate Bill 395
An Act Authorizing Domestic Surplus Lines Insurers
and The Insurance Department’s
Financial Regulatory Oversight of Insurance Companies
 
On March 13, 2014, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:
 
Senator Crisco, Representative Megna and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 115 years. IIAC currently represents more than 400 member agencies and their associates as well as their 3600-plus employees. I come to you today to speak in support of Senate Bill 395.
 
IIAC supports Senate Bill 395 as it will expand the insurance marketplace in Connecticut.  The surplus lines insurance availability is an important component in how insurance is purchased and offers choices for individuals and business as they manage their risk.  Senate Bill 395 will increase the availability of insurance in Connecticut and provide regulatory oversight. 
 
IIAC urges the committee to support Senate Bill 395.
 
 
In Opposition to Senate Bill 278 
An Act Concerning Restrictions on Insurers for Adverse Weather-Related Events
 
On March 11, 2014, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:
 
Senator Crisco, Representative Megna and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 115 years. IIAC currently represents more than 400 member agencies and their associates as well as their 3600-plus employees. I come to you today to speak in opposition to Senate Bill 278.
 
Senate Bill 278 would prohibit the declination, cancellation, non-renewal, or an increase in premium on a homeowner’s insurance policy due to “any adverse weather-related event.”  This language is extremely broad and is not defined in any statute or regulation.  Therefore, the interpretations of this event will bring confusion and unpredictability to the marketplace.
 
IIAC urges the committee to oppose Senate Bill 278.
 
 
An Act Concerning Certificates of Insurance for Property and Casualty Insurance Coverage 
 
On March 11, 2014, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:
 
Senator Crisco, Representative Megna and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 115 years. IIAC currently represents more than 400 member agencies and their associates as well as their 3600-plus employees. I come to you today to speak on House Bill 5248.
 
On November 9, 2010, Connecticut’s Insurance Commissioner Thomas Sullivan issued Bulletin S-14 which addressed the issue of the use of a certificate of insurance.  This was the result of meetings with the Commissioner and his staff and members of the Independent Insurance Agents of Connecticut (IIAC) to address the issue of the proper use of certificates of insurance.  The major problem that was discussed with the regulators by IIAC at that time was that numerous businesses and municipalities were requiring producers to include information on a certificate that was not included in the insurance coverage that was purchased and in place.   Bulletin S-14 was developed by Commissioner Sullivan and his staff to correct this unacceptable business practice and to inform insurance consumers of the purpose of a certificate of insurance.  The information in Bulletin S-14 noted that “certificates cannot be used to amend, expand or alter the terms of the underlying insurance policy.”  Since that time, IIAC has met with the producer community, municipalities, and businesses to review the content of the Insurance Department Bulletin S-14 and the correct use of an approved certificate of insurance.  Bulletin S-14 has proven to be a useful tool for the producer community to educate their customers on the purpose and the use of a certificate of insurance.
 
House Bill 5248 addresses the same issues as Bulletin S-14.  We support the efforts of the committee in bringing the intent, language and purpose of Bulletin S-14 to statutory language if approved by this committee. 
 
 
In Opposition to House Bill 5366
An Act Concerning Certain Surplus Lines Insurance Policies and the Duties of
Surplus Lines Insurance Brokers
 
 
On March 11, 2014, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:
 
Senator Crisco, Representative Megna and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 115 years. IIAC currently represents more than 400 member agencies and their associates as well as their 3600-plus employees. I come to you today to speak in opposition to House Bill 5366.
 
The non-admitted market for insurance provides insurance coverage for personal and commercial lines when the coverage is not available in the admitted market.  The insurers that provide this coverage offer options that do not exist in the admitted market due to the risk associated with that insured individual or business.  House Bill 5366 would place requirements on the non-admitted market that currently do not exist.  IIAC is concerned that these requirements would have a negative impact on the non-admitted market and may result in these insurers not writing personal and commercial insurance in Connecticut.
 
IIAC urges the committee to oppose House Bill 5366
 
 
In Regard to House Bill 5502
An Act Concerning Changes to the Property and Casualty Insurance Statutes 
 
On March 11, 2014, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:
 
Senator Crisco, Representative Megna and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 115 years. IIAC currently represents more than 400 member agencies and their associates as well as their 3600-plus employees. I come to you today to speak on House Bill 5502.
 
In section 5-1 (c) the proposal states that any person who “discusses with the insured’s insurance company first-party property loss or damage under the insured’s policy or a first party claim” would be defined as a “public adjuster.”  This language is very broad and appears to include an insurance producer, any agency staff person or customer services representative in the definition of “public adjuster.”  The normal duties of a producer or staff include talking with the insured and or an insurance company claim person to assist with the resolution of a claim.  These individuals are not considered public adjusters.
 
In section 6-2 (b) there is also a restriction on when a “public adjuster” may contact an insured.  This restriction may hinder the ability of a producer, agency staff or customer service representative in talking with an insured in the event of a claim if the definition in section 5-1 (c) remains.
 
IIAC suggests that insurance producers, agency staff and customer service representatives be exempted from this definition so that they may assist their customers when a loss occurs.
 
 
IN FAVOR OF RAISED HOUSE BILL 5252
AN ACT CONCERNING ELECTRONIC PROOF OF AUTOMOBILE INSURANCE IDENTIFICATION CARDS
 
On February 27, 2014, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:
 
Senator Crisco, Representative Megna and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 115 years. IIAC currently represents more than 400 member agencies and their associates as well as their 3600-plus employees. I come to you today to speak in favor of House Bill 5252.
 
House Bill 5252 will enable Connecticut drivers to provide proof of auto insurance “by display of electronic images on a cellular mobile telephone or other electronic device.”  Cell phones, iPads, and numerous other portable devices are used by the majority of Connecticut’s population.  The availability of app’s by insurance companies to provide their customers with information on their policy or to report a claim is also an increasing component of the current technology.  Connecticut drivers benefit from the use of this technology and the addition of electronic proof of insurance would be welcomed.  It is also important to note that the Connecticut Insurance Department has indicated that they support the concept that is in House Bill 5252.
 
HB5252 will allow Connecticut to join the 30 states that have enacted legislation to allow the use of electronic proof of insurance.  These state are Alabama, Alaska, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, North Dakota, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin and Wyoming.
 
We urge the committee to support HB5252.
 
 
IN SUPPORT OF RAISED HOUSE BILL 6379
AN ACT CONCERNING SURPLUS LINES INSURANCE BROKERS
 
On March 5, 2013, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:
 
Senator Crisco, Representative Megna and members of the Insurance and Real Estate committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut. The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 114 years. IIAC currently represents more than 400 member agencies and their associates as well as their 3500-plus employees. I am submitting this testimony today for your consideration.
 
The Independent Insurance Agents of Connecticut supports Raised House Bill 6379.  This proposal will bring efficiency in the processing of a surplus lines policy and will bring better consumer awareness to the purchaser of such policy. 
 
We urge the committee to support Raised House Bill 6379.
 
 
IN SUPPORT OF RAISED BILL 6476
AN ACT CONCERNING CERTIFICATES OF INSURANCE FOR
PROPERTY & CASUALTY INSURANCE COVERAGE
 
On February 26, 2013, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:
 
Senator Crisco, Representative Megna and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut. The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 114 years. IIAC currently represents more than 400 member agencies and their associates as well as their 3500-plus employees. I come to you today to speak in favor of Raised Bill 6476.
 
On November 9, 2010, Connecticut’s Insurance Commissioner Thomas Sullivan issued Bulletin S-14 which addressed the issue of the use of a certificate of insurance.  This was the result of meetings with the Commissioner and his staff and members of the Independent Insurance Agents of Connecticut (IIAC) to address the issue of the proper use of certificates of insurance.  The major problem that was discussed with the regulators by IIAC at that time was that numerous businesses and municipalities were requiring producers to include information on a certificate that was not included in the insurance coverage that was purchased and in place.   Bulletin S-14 was developed by Commissioner Sullivan and his staff to correct this unacceptable business practice and to inform insurance consumers of the purpose of a certificate of insurance.  The information in Bulletin S-14 noted that “certificates cannot be used to amend, expand or alter the terms of the underlying insurance policy.”  Since that time, IIAC has met with the producer community, municipalities, and businesses to review the content of the Insurance Department Bulletin S-14 and the correct use of an approved certificate of insurance.  Bulletin S-14 has proven to be a useful tool for the producer community to educate their customers on the purpose and the use of a certificate of insurance.
 
Raised Bill 6476 addresses the same issues as Bulletin S-14.  We support the efforts of the committee in bringing the intent and purpose of Bulletin S-14 to statutory language if approved by this committee. 
 
 
IN OPPOSITION OF PROPOSED HOUSE BILL 5635
AN ACT CONCERING THE TIME FRAME FOR PROVISION OF A
COMPLETED APPLICATION FORM BY AN INSURANCE PRODUCER TO AN APPLICANT
 
On February 14, 2013, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:
 
Senator Crisco, Representative Megna and members of the Insurance and Real Estate committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut.  The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 114 years. IIAC currently represents more than 400 member agencies and their associates as well as their 3500-plus employees. I come to you today to speak in opposition to Proposed House Bill 5635.
 
The standard insurance agency procedure for a new business application for insurance would include a request by the producer to have the applicant review the completed application and then sign it before a final offer of insurance is made.  This procedure is used to protect the consumer and assure that the application information is correct.  This process is easily accomplished if the applicant is in the physical location of the producer.  If there is a request for a quote over the phone, the producer will record the information provided by the applicant and give that person a quote indication.  A follow-up application will be sent to the applicant for their review and signature or the applicant can visit the agency and complete the application and sign it at that time.
 
These procedures are in place to protect the applicant and assure that this person receives the coverage that they are requesting.  The signature of the application by the customer assures the producer that the applicant read and verified the information.
 
Proposed House Bill 5635 would not improve the process that is in place today.  There are safeguards currently in practice and the requirement in this proposed bill would change a procedure that is effective and accepted throughout the insurance industry. 
 
We urge the committee to oppose Proposed House Bill 5635.
 
 
IN SUPPORT OF RAISED BILL 812
AN ACT CONCERNING THE CONNECTICUT HEALTH INSURANCE BOARD OF DIRECTORS
 
On February 5, 2013, IIAC President, Warren Ruppar, presented the following testimony to the Insurance and Real Estate Committee:
 
Senator Crisco, Representative Megna and members of the Insurance and Real Estate Committee, my name is Warren Ruppar and I am President of the Independent Insurance Agents of Connecticut. The Independent Insurance Agents of Connecticut is a trade association which has been located in Connecticut and has represented independent agents for 114 years. IIAC currently represents more than 400 member agencies and their associates as well as their 3500-plus employees. I come to you today to speak in favor of Raised Bill 812.
 
Raised Bill 812 provides for the appointment by the Governor of an active insurance producer to be a member of the board of directors of The Connecticut Health Insurance Exchange.  The Independent Insurance Agents of Connecticut supports this proposal as the appointment of a trained, licensed and experienced producer on the board will provide an additional perspective in the decision process of the board.  The importance of diversity on this board is clear.  The importance of expertise in the insurance business is also clear.  Effective health care reform will and does take the ideas, experience and professionalism of all involved.  Licensed insurance producers are engaged in the everyday process of providing insurance products to Connecticut consumers.  The licensed insurance producer is the Trusted Choice of the consumer.  The development of the insurance exchange relies on individuals that understand the complexities of health care.  The appointment of an insurance producer to the board of The Connecticut Health Insurance Exchange is an important addition as that person will assist in the decisions that are made to provide health insurance to the residents of Connecticut.
 
The Independent Insurance Agents of Connecticut urges the committee to support Raised Bill 812.