1. Insurance Agent/Broker Legal Liability Concerns

2. Introduction Types of insurance Types of insurance LifeLife Accident and HealthAccident and Health Property and CasualtyProperty and Casualty Brief Examples of how litigation due to agent/broker mistakes have impacted companies Brief Examples of how litigation due to agent/broker mistakes have impacted companies

3. The Scope of the Problems Presentation by phone or in person Presentation by phone or in person Common IssuesCommon Issues Full disclosure of information on application Full disclosure of information on application Follow-up issues Follow-up issues Signing forms/applications Signing forms/applications Denial of Coverage ConcernsDenial of Coverage Concerns Pre-existing conditions Pre-existing conditions Material Misrepresentations Material Misrepresentations Other Other

4. Internal Appeal Process Internal Appeal Process Ohio Insurance Commission issuesOhio Insurance Commission issues Exhausting internal appeal processExhausting internal appeal process Outside Medical reviewOutside Medical review Other Sales Concerns Other Sales Concerns Offering of other insurance coverage issuesOffering of other insurance coverage issues Other issuesOther issues

5. Litigation Litigation General discussions of cases and issuesGeneral discussions of cases and issues Representation of Insurance company and agent issuesRepresentation of Insurance company and agent issues Plaintiff’s counsel are organized and share information on insurance companies and lawsuitsPlaintiff’s counsel are organized and share information on insurance companies and lawsuits Possible Solutions/Agent and/or Broker Presentation ChecklistPossible Solutions/Agent and/or Broker Presentation Checklist

6. Overall Impacts to Insurance Overall Impacts to Insurance Increases in health insurance premiums due to lawsuitsIncreases in health insurance premiums due to lawsuits Insurance carriers and their “agents” are hampered in marketing and effective products and servicing clients due to lawsuitsInsurance carriers and their “agents” are hampered in marketing and effective products and servicing clients due to lawsuits

7. Questions and Answers