Newsletter - The Capitol of Connecticut -Hartford

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					                                          HAIW NEWS

Volume 5, Issue 6
                                             Focus: Today – Tomorrow                         December 2010
                                      From the Desk of the President

Dear Members,

If you did not attend the “Second Annual Networking” meeting, you missed a great opportunity to network with
Hartford’s Insurance Industry’s “Best of the Best”. With our members and guests having so many years of experience
in the industry in one capacity or the other, we had the chance to talk individually to them and discuss their careers.
Indian Hill Country Club with its scenic golf course served a scrumptious buffet followed by red velvet cake!

HAIW members that attended the Connecticut Council Annual Meeting, held at Stony Hill Inn in Bethel included:
Sandi Tilley (Delegate and Ct Council Meeting Secretary), Carole Kelly (Ct Council Meeting Page and Teller, and
Alternate), Michele Redman (Past Council Director and Award Recipient), Carolee LaMarre (Award Recipient),
Ginny Spencer (Ct Council Meeting Page and Teller), Kristen St John (Collect) and Lark Covell (Past Council
Director). All HAIW members were dressed in their traditional “red jackets”. (They knew who we were). The
meeting was sponsored by the Insurance Women of Greater Danbury and the theme was “Riding the Rails of
Success.” Kudos to the Danbury Association for a well planned and efficiently run meeting.

E. Faye Evans, a NAIW (International) Past President was the keynote speaker who discussed her journey to the
President’s position. Many guests from other states were present.

Excitement stirred in the conference room when the awards were announced. It is with great pleasure that I announce
the awards that HAIW received:

Association Education Award……………………..Michele Redman (Chairperson)

Association Underwriting Professional Award……Cynthia Bruce

Rookie of the Year Award…………………………Carolee LaMarre

Congratulations to all our recipients who received these prestigious awards. A special thanks to Sue Lumley for
submitting the HAIW information on our awards to the Ct Council.

Our State is very fortunate to have Nancy Sugrue (Current State Director) to have accepted a second term as
Connecticut Sate Director. We are also very fortunate to have Debbi Kuhne, our current RVP to also have accepted a
second term. Connecticut and Region 1 are in great hands!

I am looking forward to our “Holiday Party Meeting” at Adams Mill on December 14th.
Lucy Albetski has great entertainment lined up and we will be having a “sit down dinner.” Please make sure you
RSVP your dinner prior to the 10th so Lucy can give a head count to the restaurant.
Our “Legacy Foundation Collection” with “PIGGY” at our November meeting was VERY successful. We collected
$48.76! “PIGGY” will be passed around again at our December meeting. Again, our goal is $100.

Please don’t forget to bring your Klingberg Family Center gifts to the December meeting.

Many thanks to our vendors who sponsor us throughout the year!

I wish you and all your families a very happy and safe “Holiday Season”!

In Fellowship,

Sandi Tilley
President of Hartford Association of Insurance Women
            In this Issue                   Page

          President’s Message                       1
         Calendar of Events                         2
        Top 10 Reasons to join NAIW                  3
         New Members                                4
         2010 Board Members                        5
         This Month’s Meeting                       7
         Safety Committee                          11
         Education                                 15
         Community Service                         19
        Public Relations                           20
         Happy Holidays                            22
         Advertisers                               23

December’s Holiday Dinner Meeting
                Tuesday December 14, 2010

                 Adams Mill Restaurant
                   165 Adams Street
                 Manchester, CT 06040
                  Phone 860–646-0439
                           Calendar of Events


Your board members and committees have been working very hard through the summer on
planning the upcoming year. Please try to attend the meetings so you can experience the
fellowship, education, and leadership that HAIW has to offer.

December 14th
January 11th
February 8th
March 8th
April 12th “Industry Night”
May10th “Installation of Officers”

                         Don’t forget, great food and great times!
 What to give a perspective member or dinner meeting guest

#1. Professional Development—NAIW offers professional development through classes presented by instructors and online;
through webinars, seminars and workshops; and through leadership opportunity.

#2. Professional designations—NAIW offers its members two professional designations. CPIW/CPIM (Certified Professional
Insurance Woman or Certified Professional Insurance Man and DAE (Diversified Advanced Education) help our members show
their commitment to professionalism and learning.

#3. Local Association Meetings—NAIW offers flexibility to its members by providing membership at the international and local
levels. Members can attend local association meetings for an additional feeling of belonging; but if travel or their location prevents
them from being able to join as a local member they can join NAIW (International) as a Member at Large.

#4. Website—NAIW’s new website allows members to log onto the website for valuable information and a list of educational
courses. It also offers a great way for members to communicate with each other.

#5. “Today’s Insurance Professional”—NAIW’s quarterly magazine offers exceptional articles on timely topics affecting our
members, our industry and our employers.

#6. Annual Conferences and Conventions –NAIW offers its members an opportunity to attend conferences at Council (State),
Regional and International levels with other insurance professionals outside of their local association. The conferences offer
educational opportunities through keynote speakers, CE classes, seminars and workshops. Leadership opportunities are available
through serving on committees.

#7. Discounts on IIA/ CPCU Materials—NAIW, through their partnership with IIA/ CPCU, can offer members a 10% discount
on course materials for IIA/ CPCU classes.

#8. Directory of Members—NAIW offers members contacts and resources through other NAIW members across the country

#9. Networking and Relationships—Networking opportunities and relationships the members form are invaluable personally as
well as professionally.

#10. Career Center—The Career Center provides employers with access to insurance professionals and gives members a location
to post their resume’ for the next steps in their career.
Membership Committee
Carole Kelley- Committee Chairperson

                                              HAIW Memberships

                     HAIW has 82 members and we are looking to add more members

    1. Remember there is a $25 Gift Card Reward waiting with your name on it for every person you recruit.

    2. Don’t miss our 50% off application fee! As of 1/1/2011, the annual NAIW (International) and Local Association
       (HAIW) fees of $123.00 are reduced by 50%. Since our term goes 7/1/2010 to 6/30/2011, every January
       membership dues are reduced from $86.00 NAIW (International) to $43.00 and local dues $37.00 HAIW to
       $18.50 for total of $61.50!

Call or email me if you would like an application for a New Member. I also have New Member applications with me at
our 2 Tuesday of the month business dinner meetings. See me for an application.

 Thank you!
 Carole Kelley

                        Always looking for new members!
                              2010 HAIW BOARD


Sandi Tilley, ACSR, CPIW,              Valerie Bonderman, Budget &
President                              Finance    
860-263-1859                           860-524-7652

Lucy Albetski, CPCU, ACSR,             Michele Redman, Education,
CPIW,                                  Bylaws and Standing Rules
VICE PRESIDENT               
860-263-1733                           Carole Kelly, CIC, AAI, ACSR,
Cindy Grocki, Treasurer                Membership
KRISTEN ST. JOHN, Secretary                    Carolee LaMarre,
860-494-4916                           Newsletter-Editor
Arlene J. Firtion, CPIW, DAE           860-349-2448
Director & Horizon Plan                    Ginny Spencer, Community Serv.
Silva A. Abadjian, CIC, ARM,
CPIW, Director                         Janet Scavilla, InVest &              Scholarship
                                       860-659-4111 x 50265
Erin Cannata
Director               Silva A. Abadjian, CIC, ARM,
860-547-8168                           CPIW, Legislative/Historian

                                       Donna Daniolos, Safety
                 December Dinner Meeting
                     Tuesday, December 14, 2010

Location:      Adams Mill Restaurant
               165 Adams St.
               Manchester, CT 06040
               Phone –860-646-4039

Time:          5:30 Program or Networking
               6:00 – 7:00 Dinner
               7:00 - 7:45 Entertainment

Program:       Our pre-dinner program is a question and answer session with Nicolas Roy
               of Somnio Financial Group. Our program will be musical entertainment
               from Heidi and John Cerrigione

   Dinner: Choice of Pasta Primavera, Teriyaki Chicken, Chicken Anthony* or
   Salmon Filet*Boneless chicken breast grilled & topped with roasted peppers, garlic,
   and mozzarella.
             $28 Member / $30.00 Non-Member/Guest

Name:          __________________________________________________
Company:       __________________________________________________
Address:       __________________________________________________
E-mail:        __________________________________________________
Phone #:       __________________________________________________
Dinner Choice:__________________________________________________

Please reserve NO later than Friday, December 10, 2010. Please note that
you are responsible for the price of your dinner if you register and do not attend.
To reserve: mail reservation to TD Insurance C/O Lucy Albetski 100 Great Meadow Rd.
Wethersfield, Ct 06109
Email Phone # 860-263-1733
All checks should be payable to HAIW and mailed to Lucy Albetski. We would appreciate
receiving your check prior to the night of the meeting to make check-in easier for the
Program Committee. Thank you!
 December Meeting Entertainment
An acoustic duo from Ellington, CT, John & Heidi Cerrigione ('ser-a-go-nee) quickly
learned that there were listeners who enjoyed their simple brand of old-time acoustic music.
Instrumentation typically includes autoharp, hammered and mountain dulcimer, banjo, guitar
and acoustic bass. Their tunes are drawn from many traditional sources, including fiddle and
dance music of early America, the British Isles and Switzerland. Jigs, reels, hornpipes and
waltzes all find a place in the lineup.

They are available to perform in public or private settings and Heidi also conducts workshops
in autoharp, mountain and hammered dulcimers and John teaches autoharp and clawhammer

In 1996, John & Heidi published a songbook and cassette tape of " 30 Old Time Songs &
Tunes " with Neal Walters of the Mill Run Dulcimer Band.

 This duo also performs with Neal & Coleen Walters from Greencastle, PA as "Doofus"
and have released 4 CD's. " What Did We Leave Behind? " , "Handful of Songs ", Relatively
Serious" and "Stream of Time", collections of traditional, sentimental and old-time songs and
Community Activities
Chairperson-Ginny Spencer

At the November meeting the Committee collected for the Anne Norris School: mittens,
gloves, scarves, socks etc. Thank you to the following for your contributions: Lucy
Albetski, Esther Longey, Carole Kelly, Moira Haag, Carolee LaMarre, Marilyn McGrath,
Paula Raymond, Annette Vinci, Lark Covell, TD Insurance, Sandi Tilley and Ginny
Spencer. I am sure there were more contributors who did not sign the Donation Log since
my truck was full. Thank you so much.

Gift tags were distributed for the children who live at the Klingberg Family Center (for
troubled children) for Christmas. Each tag had a suggestion list attached. For each gift
tag chosen a free raffle ticket was provided for a beautiful Christmas Box donated by
Carolee LaMarre and her employer United Cleaning and Restoration LLC (thank you!).
Congratulations to Arlene Firtion the lucky winner.

All gifts must be returned at the December dinner meeting. The gifts can be wrapped (I
personally use gift bags) and the tag must be attached to the gift. No glass or sharp items
please. Please write next to your name on the list the gift purchased (required by

Note: If you misplace your tag please contact me since I have Santa’s list.

We received additional contributions from:

Pet Supplies for Our Companions: Doreen Lessard
School Supplies for Anne Norris School: Susan Lumley, Doreen Lessard and TD

Please contact Ginny Spencer at 860 494-4943 or at if you have any
questions or suggestions.
Safety Committee
Donna Daniolos- Committee Chairperson

                   Toy Shopping Safety Tips
                    Are you buying the right toy for the right age child?

                             Under 3 Years Old

Children under 3 tend to put everything in their mouths. Avoid buying toys intended for
older children which may have small parts that pose a choking danger.

Never let children of any age play with un-inflated or broken balloons because of the
choking danger.

Avoid toys that have sharp edges and points.

Children at this age pull, prod and twist toys. Look for toys that are well-made with
tightly secured eyes, noses and other parts.

Avoid marbles, balls, and games with balls that have a diameter of 1.75 inches or less.
These products also pose a choking hazard.

Watch for pull toys with strings that are more than 12 inches in length. They could be a
strangulation hazard for babies.

                             Ages 3 Through 5

Avoid toys that are constructed with thin, brittle plastic that might easily break into small
pieces or leave jagged edges.

Look for household art materials, including crayons and paint sets, marked with
designation “ASTM D-4236”. This means the product has been reviewed by a
toxicologist and, if necessary, labeled with cautionary information.

Avoid building or play sets with small magnets. If magnets or pieces with magnets are
swallowed, serious injuries and/or death can occur.

Teach older children to keep their toys away from their younger brothers and sisters.
                              Ages 6 Through 12

Toy guns should be brightly colored so they cannot be mistaken for real weapons, and
kids should be taught to never point darts, arrows, or guns at anyone.

Toy darts or arrows should have soft tips or suction cups at the end, not hard points.

If you buy a bicycle, scooter, skateboard or inline skates for any age child, also buy a
helmet and other recommended safety gear, like hand, wrist and shin guards.

                                     In   General

For all children, adults should check toys periodically for breakage and potential hazard.
Damaged or dangerous toys should be repaired or thrown away.

Toys made of fabric should be labeled as flame resistant or flame-retardant.

To prevent both burns and electrical shocks, don’t give young children (under age 10) a
toy that must be plugged into an electrical outlet. Instead, buy toys that are battery-
operated. Pay attention to instructions and warnings on battery chargers. Some chargers
lack any device to prevent overcharging.

Immediately discard plastic wrappings on toys before they become dangerous playthings.

Make sure that the toy is not recalled. You can check on the internet on various sites
provided by the government like Consumer Product Safety Commission and
Safety Committee – Cont.
Donna Daniolos- Committee Chairperson


Getting to and from your holiday road trip destination can be a special time filled with memories
that last a lifetime or turn into a road trip disaster. Here are seven tips to help you plan, prepare,
save money and keep the entire family happy and safe on the road this holiday season.

Rent It
If your vehicle is not in the best condition, costs a bundle to fill up or is not roomy enough to
make your holiday road trip enjoyable, think about renting a hybrid or a more fuel efficient
vehicle. Make it fun by having everyone vote on what vehicle to rent based on the choices that
fit your budget and lifestyle. Many car rental companies offer unlimited mileage programs, just
be sure to check with your insurance agent to make sure your auto insurance policy covers rental

Fix It
Before you leave on your holiday road trip be sure to have your vehicle checked out and serviced
to make sure your trip is not ruined by a break-down that ends up costing you a bundle in
unplanned repairs and time. Have them check your brakes, air filter, belts, hoses, wiper blades
and all the fluids and do a complete diagnostic to make sure all the systems of your vehicle are
running at 100%. If your wiper blades are okay but not great, get them changed. Driving in
winter storms with new wiper blades will improve visibility and help you make safer driving

Check It
Your tires are the only four points that touch the road. Keeping tires properly inflated and
checking your tires for wear and tear before you get on the road will keep you and your precious
cargo safe and help maintain better fuel economy. An easy way to tell if you need tires is “The
Penny Test”. Stick a penny into a tire groove. If you can see the top of Lincoln’s head, it’s
time for new tires. Make sure your tires are inflated to the proper tire pressure. This
information is located on the driver door panel or in your owner’s manual.

Driving a well maintained vehicle with properly inflated tires will increase fuel efficiency by
10% or more.

Map It
Plan your route in advance using Google Maps or another online map tool then print and take a
good map with you. Charting out your trip from point A to point B will save time and fuel by
taking the most direct or least traffic jammed route. Remember to bring your cell phone and car
charger in case you need to call ahead or have an emergency. Take along thermal blankets,
bottled water, high protein energy snacks to help keep you warm and a well-stocked road safety
kit that includes first aid supplies in case of emergency.
Slow It Down
For every five miles per hour you drive over the rate of 60 miles per hour, you’re essentially
paying almost 25 cents more for each gallon of gas. Keeping your speed at 60 miles per hour or
less helps burn less fuel and will give you more time to avoid a high speed accident.
A vehicle with brakes and tires in good working condition traveling at 60 mph on dry pavement
covers 88 feet per second. At 60 mph from perceiving a braking situation to stopping, takes 4.6
seconds during which time the car travels almost the length of a football field. More time is
needed if the road is wet or icy.

Deals and Coupons
If your trip includes an overnight stay, many hotels will allow children to stay for free and
provide a free healthy breakfast. This is a great cost saver if you have a large family, so take
time when planning your holiday road trip to shop around for deals or coupons to save money on
hotels or entertainment. Save money by not spending during road side stops-bring along your
own meals, drinks and snacks instead.

Make It Fun
By bringing an assortment of age appropriate holiday music, videos and travel games, you can
make your trip fun and interesting for the entire family. What a picture and memory your family
would make wearing stocking hats singing your favorite holiday songs on the way to grandma’s
Michele Redman

Financial planning, retirement planning, making the most of employee benefits, money,
wills….these are topics that our members frequently want to hear more about. In
conjunction with Somnio Financial Group, a small independent firm will cover these
topics in a series of pre-dinner meeting seminars from 5:30-6:00 pm on the following

January 11th: Tax Planning for 2011. Instead of looking back at 2010, what can we do to better
prepare for our 2011 taxes?

February 8th: Wills, Medical Powers, Living Wills, Healthcare representative. Who needs what,
when and why?

March 8th: Making the most of Employee Benefits for your next enrollment period

Our speaker will usually be Nicholas Roy, who may also be joined by partners Rob or Joe
depending on the topic. Nicholas Roy has a degree in business from UCONN and began
his career in financial services at Ameriprise Financial, quickly rising to their Advanced
Advisor Group. Nick recently obtained the designation of Chartered Retirement Planning
Counselor from the College for Financial Planning. He is also active in a number of
nonprofits. Nick and his wife Jennifer, have two daughters, Taylor and Alivia.

Somnio Financial Group, from a Hartford Business Journal article in 2009:

“When most people envision the prototypical financial adviser, the image of a 50-year-
old gray-haired math guru is the common perception.

But a local trio of 20-somethings (Nicholas Roy, Joe Covill and Robert Roy) is looking to
break that mold and make a name for them in an industry dominated by individuals twice
their age. Joe Covill, one of the three partners, said one of the advantages of being
younger is that they will be around when their clients are ready to retire. “Older planners
will be retiring the same time their clients are,” Covill said. “We have an advantage
because we are still going to be around to see our clients through their retirement. That
means we can help them make adjustments to their financial plan along the way.”

Robert Roy said most of the financial services industry is transactional-based, meaning
advisers receive a commission for selling individual products from a company they
represent or work for. Somnio’s independence, on the other hand, allows it to sell
products from a variety of companies. Somnio advisers also don’t receive commissions
but instead earn fees from the assets they manage. As a result, the wealthier their clients
get, the more money they earn.”
Education Cont.
Michele Redman

                           NAIW CPIW and CPIM Requirements

Certified Professional Insurance Women and Certified Professional Insurance Man Designations

NOTE: CPIW/M Applications are processed on the third Monday of each month. Applications
received after this date will be processed the following month.

Eligible Programs and Requirements:

   NAIW Membership. Membership in NAIW for a minimum of two years for those joining before
January 1, 1990, and three years for those joining on or after January 1, 1990 (does not have to
be consecutive).
   Industry Employment. Employment in the industry for a minimum of five years.
  Educational Achievement. Completion of the two following educational requirements for
courses from NAIW Programs and for courses from Industry Educational Programs:

NAIW Requirements

1. The following individual courses, alone, will satisfy the NAIW (International) Educational
Requirements for the CPIW/M Designations
(for those joining on or after July 1, 1994).
Underwriting for Non-Underwriters                                Leadership Savvy
Rules of the Road                                                Advanced Communication Skills
How to Be a Best Seller                                          Leadership Development
Mentors and Protégés                                             Local Association Leadership Training
Confidence While Communicating

OR combine one of the following 4-hour courses with any six from the I Can! Series or the 2-hour Conflict Resolution
                                                                E&O Hotspots
                                                                Ethics: Shades of Black & White
Let’s Talk Coverage: A Case Study Approach to                   LTC: 101
Homeowner’s Insurance Coverage                                  New Math: Education IRA$
Three Steps to E&O Risk Management                              Personal Umbrella
S.P.A.R.K. (Sales Proficiency and Relationship                  Risk Management Process: An Overview
Knowledge)                                                      Tax Free Income: Roth IRA$
Life and Health Insurance Basics                                The Facts of “Life”
I CAN! Series courses:                                           What’s Up DOC?
Business As Un-Usual                                            Wheels of Misconception

All programs must be conducted as a class and will not be accepted as self study, with the exception of Rules of the
Road, How to Be a Best Seller and Underwriting for Non-Underwriters which are available as self study.
Education Cont.
Michele Redman

Other Industry Educational Programs                     From LOMA:
2. One of the following industry                        All designations
                                                        From Insurance Educational Association:
educational programs:                                   Certified Professional Disability Management (CPDM)
From American Institute for CPCU:
                                                        From American Educational Institute:
Chartered Property Casualty Underwriter (CPCU)
                                                        All designations:
From Society of CLU:
                                                        Senior Claim Law Associate (SCLA)
Chartered Life Underwriter (CLU)
                                                        Casualty Claim Law Associate (CCLA)
From Insurance Institute of Canada:
                                                        Property Claim Law Associate (PCLA)
Associate Rank (AIIC)
                                                        Workers’ Compensation Claim Law Associate (WCLA)
From Life Underwriter Training Council:
                                                        Fraud Claim Law Associate (FCLA)
Fellowship (LUTCF)
                                                        Fraud Claim Law Specialist (FCLS)
From Health Insurance Association of America:
                                                        Auto Claim Law Specialist (ACLS)
Group Life and Health Insurance
                                                        Legal Principals Claims Specialist (LPCS)
Health Insurance Associate (HIA)
                                                        Casualty Claim Law Specialist (CCLS)
Managed Healthcare Professional (MHP)
                                                        Property Claims Law Specialist (PCLS)
From International Claims Association:
                                                        Workers’ Compensation Claim Law Specialist (WCLS)
Associate in Life and Health Claims (ALHC)
                                                        Automobile Claims Law Associate (ACLA)
Fellow Life and Health Claims (FLNC)
                                                        From the Insurance Institute of America:
From Society of Actuaries:
                                                        Certification in General Insurance (INS 21, 22 & 23)
Associate Rank
                                                        Associate in Reinsurance (ARe)
From National Alliance:
                                                        Associate in Fidelity and Surety Bonding (AFSB)
Certified Insurance Counselor (CIC)
                                                        Associate in Risk Management (ARM)
Certified Insurance Service Representative (CISR)
                                                        Associate in Management (AIM)
Certified Risk Manager (CRM)
                                                        Associate in Insurance Accounting and Finance (AIAF)
From Casualty Actuarial Society:
                                                        Associate in Personal Lines (API)
Associate Rank
                                                        Associate in Insurance Services (AIS)
From Professional Liability Underwriting Society:
                                                        Associate in Surplus Lines Insurance (ASLI)
Registered Professional Liability Underwriting (RPLU)
                                                        Associate in Claims (AIC)
From Assn of Average Adjusters:
                                                        Associate in Loss Control Management (ALCM)
Full Membership
                                                        Associate in Underwriting (AU)
From Int’l Foundation of Employee Benefits Plans:
                                                        Associate in Premium Auditing (APA)
All designations
                                                        Accredited Advisor in Insurance (AAI)
From National Association of FIC:
                                                        Associate in Information Technology (AIT)
Fraternal Insurance Counselor (FIC)
                                                        Associate in Marine Insurance Management (AMIM)
From The American College:
                                                        Associate in Research and Planning (ARP)
Registered Health Underwriter (RHU)
                                                        From Society of State Filers:
From National Association of PIA:
                                                        CCP, formerly known as Certified State Filer (CSF)
Certified Professional Service Representative (CPSR)
                                                        From Society of CPA’s:
From Independent Insurance Agents of America:
                                                        Certified Public Accountant (CPA)
Accredited Customer Service Representative (ACSR)
                                                        From The National Underwriter:
From Insurance Brokers Association of Canada:
                                                        Commercial Lines Coverage Specialist (CLCS)
Canadian Accredited Insurance Broker (CAIB)
                                                        Personal Lines Coverage Specialist (PLCS)
From Academy for Healthcare Management:
                                                        Group Benefits Disability Specialist (GBDS)
Fellow of Academy for Healthcare Management
                                                        From The Int’l Risk Management Institute:
                                                        Construction Risk and Insurance Specialist (CRIS)
From Central Insurance, Inc.:
                                                        Management Liability Insurance Specialist (MLIS)
Professional in Account Management (PIAM)
                                                        Other Designations:
                                                        Registered Nurse (RN)
                                                        License Practical Nurse (LPN)
                                                        Juris Doctorate (JD)
Education Cont.
Michele Redman

Education, one of the cornerstones of NAIW, is critical to the success of every insurance professional. Continual
professional growth is required as our ever changing industry focuses on expanding expectations of regulatory
agencies, legal and customers. During times of economic flux individual performance expectations are modified to
meet the synergies needed for corporate success.

How many times during your career have you "reinvented” yourself? How many of us have grown through positions,
stepping up for opportunities and challenges that provided rewards and recognition? Critical to our ever expanding
roles is education. As a member of NAIW, The Association of Insurance Professionals, you have resources and
partners for improving your professional skills.

NAIW offers continuing insurance education, leadership development and professional skills courses. Courses that are
new or recently updated include:

· Professional Ethics – Not Just for Agents

· Life & Health Insurance Basics

· S.P.A.R.K.

· All of the I Can! Series

  o Business As Un-Usual: Insuring the Home Based Business

  o E&O Hotspots: Don't Get Burned

  o Ethics: Shades of Black & White

  o Long Term Care: 101 (new)

  o New Math: Education IRA$

  o Personal Umbrella: Rain or Shine!

  o Risk Management Process: An Overview

  o Tax-Free Income: Roth IRA$

  o The Facts of Life (new)

  o What's Up DOC? Drive Other Car Coverage

  o Wheels of Misconception

· 30 Minutes to More Successful Negotiations

· Business Etiquette

· Managing Stress

· Confidence While Communicating

· Conflict Resolution

· Facilitation 101 (formerly Instructor Certification)
Two CE courses, Let's Talk Coverage: Case Study Approach to Homeowner's Coverage and Three Steps to E&O Risk
Management, are currently being reviewed and will be updated by the end of the year.

Do you know that the Director of Products and Education will file NAIW CE programs for approval with any state
Department of Insurance for locals, councils and regions? Under Education and Training>Course Offerings>Continuing
Education Courses find the field entitled - Click here to download a copy of the CE Request Form along with the
requirements. CE Requests must be submitted via email at least 90 days prior to the course offering.
Check the NAIW Home Page for the "Idea of the Week regarding Education during the month of October!
Membership Committee Chairperson Carole Kelly has recently been in touch
with Jo-Anne Esposito. Carole was inquiring about her membership. After
many, many years of being a member, and two terms as President(1979-1980 and
2002-2003) with the Hartford Association, Jo-Anne has decided not to renew her
membership since she is no longer in the insurance industry and resides in North
Carolina. She has held dual membership in North Carolina as well as Hartford
Association. She says she will truly miss us but will be checking us out on the
website to keep up with what’s new. She sends best wishes to the members of
HAIW for all our future endeavors.

HAIW would like to wish Jo-Anne and her family a Healthy and Happy Holiday
                    Employment Opportunities

 SH Smith & Co. Inc., 20 Church Street, Hartford, CT. 06013 has an opening for
a Workers Comprehensive Customer Service Representative. Please contact
Cindy Bruce at

The Hartford Association of Insurance Women has an opening for the
Membership Committee Chairperson. Become involved in your association by
coming forward to accept this position. Training is available. Benefits include
growth in leadership, self-confidence, and stronger alliances with members.
Contact Sandi at
                                 Happy Holidays!
Saying “Happy Holidays” in different languages isn't always easy because the English word 'holiday' has a
literal translation of a vacation or day off in most parts of the world. It's also important to note that many
countries celebrate the holidays right on through Epiphany on January 6, so you can get away with saying or
sending holiday greetings for a few days after the calendar New Year.

Say Happy Holidays! In French: Joyeuses Fêtes!

Say Happy Holidays! In Spanish: Felices Fiestas!

Say Happy Holidays! In Swedish: Trevlig Helg!

Say Happy Holidays! In Portuguese: Boas Festas!

Say Happy Holidays! In Turkish: Mutlu Bayramlar!

Say Happy Holidays! In Romanian: Sarbatori Fericite!

Say Happy Holidays! In Mandarin: Jie Ri Yu Kuai

Say Happy Holidays! In Catalan: Bones Festes!

Say Happy Holidays! In Japanese: Tanoshii kurisumasu wo! (Have a happy Christmas)

Say Happy Holidays! In Italian: Buone Feste!

Say Happy Holidays! In South African (Xhose): Ii holide eximnandi

Say Happy Holidays! In German: Forhe Feiertage

Say Happy Holidays! In Dutch: Prettige feestdagen

Say Happy Holidays! In Hawaiian: Hau'oli Lanui (pronounced how-oh-lay la-new-ee)

Say Happy Holidays! In Gaelic: Beannachtaí na Féile

Say Happy Holidays! In Slovenian: Vesele Praznike

Say Happy Holidays! In Indonesian: Selamat Hari Raya!

Say Happy Holidays! In Croatian: Sretni praznici!
                                     Residential and
                                   General Contractors            JOHN A. WOODS
 Fire Board Ups                        Tree Removal
 Water Extraction/Drying               Shoring                          CT Office
 Vehicle Impact                        Demolition                    347 Main Street
 Smoke or Soot Removal                 Roof Cover-Ups
                                                                  South Windsor, CT, 06074
  We are available for all kinds of emergency                          (860) 289-3927
     services, commercial or residential
                                                                          RI Office
       398 Stamm Road Newington, CT 06111                              631 Main Street
        Tel: 1-800-385-2122 Fax: 860-232-3507                     East Greenwich, RI 02818
                                                                       (401) 885-1400



           24 Hour Statewide Emergency Service

      Board-up  Water Extraction  Mold Remediation 
     No Smoke Odor Guarantee  Smoke and Soot Removal 
           Cleaning Services  Detailed Estimates 
      Full Range of Restoration and Reconstruction Services 

                Serving Connecticut with offices in
             Waterbury, Branford, Norwalk, New Britain
                                      JN Phillips Auto Glass
                                      THE AUTO GLASS PROFESSIONALS
                                                                         SINCE 1946

                                                   Cosette Michael
                                                 Sales Representative
                                       Manchester, CT
                                       Newington, CT
                                       West Hartford, CT       1-877-AUTOGLASS
                                       West Haven, CT              1-877-288-6452

      CRYSTAL Restoration Services

 Family Owned and Operated Serving All of Connecticut
Supporting The Hartford Association of Insurance Women
                    303 Captain Lewis Dr.
                    Southington, CT 06489
                      Fax: 860-378-0205

               Hartford Association of Insurance Women
                           P.O. Box 230784
                      Hartford, CT 06123-0784

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