IAASE Board of Directors IAASE President`s Comments By

IAASE Newsletter • Winter 2009
IAASE Board of Directors
OFFICERS
John Dowdy, President
5650 Sanderson St, Ste Q
Huntsville, AL 35805
dowdyj@wis-inc.com
(800) 356-7346 x 208
Ray Fitchner, Executive Vice President
PO Box 3555
Orlando, FL 32802-3555
rfitchne@travelers.com
(407) 388-2602
Eric Gravens, Vice President
10118 Welch Dr
Louisville, KY 40272
egravens@cws-gr.com
(616) 464-7916
Kim Graham, Secretary
31 Rocky Creek Lane
Greenville, SC 29615
kim.graham@olsi.net
(877) 431-4563
Donna Harwood, Treasurer
100 N Tampa St, Ste 2650
Tampa, FL 33602
donna.harwood@aig.com
(813) 222-7626
Juanita Lindsey, NSIPA Representative
1515 University Dr Ste 220
Coral Springs, FL 33071
juanita212@llaudit.com
(954) 752-1931 x 212
Brad Feldman, Executive Director
IAASE Executive Office
PO Box 1896
Columbus, OH 43216-1896
iaa@iaa-regions.org
(614) 221-9828
IAASE President’s Comments
By John Dowdy
I hope that your 2009
has gotten off to a
great start! Given the
economic challenges
of the last half of
2008, I assume
that many budgets
may look differently
this year than they did a year ago.
Knowing that and knowing that
there are several opportunities to
attend educational seminars during
what has become “the meeting
season,” I wanted to offer some food
for thought as to why, in my mind,
associations exist and why attending
industry seminars is important.
NSIPA and the regions are
no different than the member
companies in that we need
to survive. Whether it’s the
policyholders to the insurance carrier
or the insurance carriers to the
vendor companies, that base has to
be there or we fail.
At the national, regional, and local
association level, we need active
participation by our membership so
that we can do our part to develop
and implement the educational
programs and resources critical to
the growth of our industry. Without
participation and feedback from
members, how do our leaders know
if we are supporting the membership
in the best way possible?
As a Board, we are doing everything
possible to give our members the
best value by keeping seminar costs
low while building an educational
program that makes it worth the time
and money to attend.
Please make plans to attend the
2009 IAASE Annual Seminar which
will be held at the Hyatt Regency in
Louisville, Kentucky on May 17-19.
The program will include a variety of
insightful, practical, and educational
programs that affect our careers.
Included in the agenda will be an
extended program by PAAS. As I
said in the Fall 2008 newsletter,
Louisville and the Greater Western
Kentucky/Southern Indiana region
have plenty to offer for members and
their families.
Thanks to everyone for your
continued support of IAASE and I
look forward to a great 2009! See
you in Louisville!
Table of Contents
IAASE Board of Directors....................................... 1
HTTP What?........................................................... 9
IAASE President’s Comments................................ 1
Pop Quiz: The 25 Most Commonly
Misspelled Words................................................. 10
IAASE Editor’s Comments..................................... 2
Top Three Things to do in Louisville....................... 3
INSURANCE AUDITORS ASSOCIATION
OF THE SOUTHEAST NEWSLETTER
The purpose of this newsletter is to share information.
Therefore, the articles are published as submitted by the
membership. The Insurance Auditors Association of the
Southeast Accepts no responsibility of the absolute accuracy
of the articles published, as they are not for the sole purpose of
education or accreditation.
Seminars are opportunities for
education and networking. We all
like to socialize over our favorite
beverage in the evening, but
the networking that takes place
over coffee or a soft drink at the
breaks is likely more critical to the
advancement of our industry.
IAASE 2009-2010 Leaders Needed....................... 3
Exit Interview.......................................................... 4
Conflict................................................................... 6
Oh, Well!................................................................. 7
Life.......................................................................... 7
Resources for Auditors......................................... 10
Retirement News: Garry Morrow...........................11
Obituary: James Eugene Porter............................11
IAACS, IAASE, IAASW 2008-09 Sponsorship
Order Form........................................................... 12
2009 IAASE Annual Seminar
Registration Form ................................................ 13
Advice to Get You Through the Day....................... 8
Columns & Rows • Winter 2009 • 1
IAASE Editor’s Comments
By Denise Smith
Reflection (as defined in Webster’s
Dictionary):
engage in order to improve their
professional or personal practices.
This is done by (1) evaluating the
• An instance of reflecting
current situation (2) identifying the
• The production of an image by or options (3) considering their own
as if by a mirror
values and morals and reacting on
• The action of bending or
them and (4) making choices that will
folding back
make a difference.
• Something produced by reflecting
• An often obscure or indirect What better time than the New Year to
criticism
carefully examine our own practices
• A thought, idea, or opinion formed and strive to strengthen the quality
or a remark made as a result
and the effectiveness of our work as
of meditation
well as our personal lives?
• Consideration of some subject matter, idea, or purpose
As you look back on the past year,
• Turning back
five years, your career, I hope that you
• A transformation of a figure in can find many reasons to pat yourself
which each point is replaced by a on the back. In the same instance,
point symmetric with respect to
there are probably also some
a line
actions or decisions that you must
say “I could improve or I could have
Reflection is a process of selfdone differently.” Take both of these
examination and self-evaluation that
situations and build a better career,
effective individuals should regularly
better person, and a better life.
A special thanks to all that have
submitted articles for this issue of
Columns & Rows. There are a couple
chapters that did not submit any
articles this year. I look forward to
your articles to be submitted in
future newsletters.
Hope to see you all in Louisville
in May.
Join the New Premium Audit Listserv!
The NSIPA Listserv is now called the
Premium Audit Listserv, and it includes you,
the Insurance Auditors Association of the
Southeast, along with the Insurance Auditors
Association of the Central States (IAACS) and
the Southwest (IAASW).
The Listserv is similar to an online forum,
except it is conducted via email. It will improve
communication among like-minded members,
allowing you to benefit from the experience,
knowledge, and wisdom of your peers.
To sign up for the Premium Audit Listserv if
you are not an NSIPA member, only a member
of IAASE, then send us your name and email
address to iaa@iaa-regions.org with the
subject, “Subscribe to Listserv.” This email
address will be used to sign on to the Listserv
along with a password, which we will provide
for you. You may change this password later if
you wish.
To sign up for the Premium Audit Listserv if
you are both an IAASE member and a NSIPA
member, then log on to the members only
section of the NSIPA website and click on the
“Discussion List Central” link.
Once you sign up you will receive an email
confirmation that explains how to get started
and how to use the Listserv.
With this new expansion of Listserv members,
now is a great time to join! Don’t miss out!
Columns & Rows • Winter 2009 • 2
Top Three Things to do in Louisville
Come for the IAASE Annual Seminar, stay for the attractions!
enough, Old Louisville also features
the largest collection of pedestrianonly streets in the country. If you’re
going to take a walk while in Louisville,
this is the place to do it.
Old Louisville
Country estates have been built in
this area of Louisville since the 1830s
making Old Louisville is the largest
historical district featuring almost
entirely Victorian architecture, and it is
the highest concentration of residential
homes with stained glass windows
in the United States. As if this isn’t
LOUISVILLE, KENTUCKY
Hyatt Regency Louisville
MAY 17-19, 2009
ANNUAL
se
ar
200
in
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Thomas Edison House
In 1866, at age 19, Thomas
Edison arrived in Louisville to work
for Western Union as a skilled
telegrapher. While there, he took up
residence in a shotgun duplex in the
Butchertown neighborhood, which
is still standing for your education
and enjoyment. But, Edison didn’t
stay long; he was fired for spilling
sulfuric acid while first developing an
idea that would later become the first
incandescent light bulb.
Belle of Louisville
Built in 1914, the Belle of Louisville
is an old-school steamboat moored
in her downtown Louisville wharf
next to the Riverfront Plaza. Not only
is it the oldest river steamboat in
operation, but the Belle of Louisville
holds the all-time record in her class
for miles traveled, years in operation,
and number of places visited. She’s
so historic that even her office of
operation is located in a building
that is a National Historic Landmark.
Visiting Louisville without seeing the
Belle of Louisville would be like visiting
India without seeing the Taj Mahal.
IAASE 2009-2010 Leaders Needed
By Dan Smith, Insurance Auditors Association of South Florida
As part of the nominating committee
for the 2008-2009 fiscal year, I would
like to ask for volunteers for the 20092010 board and any committees
that may be formed. The majority
of these positions only require a
couple of hours each month including
attendance at the mid-term and annual
meetings. Volunteering is a great way
to network, meet new friends, and
ensure that the IAASE continues
to thrive.
Every year at the Annual Seminar,
elections are held for President,
Executive Vice President, Vice
President, and Secretary. The National
Society Vice President is elected and
the Treasurer is appointed, both serve
three-year terms. Some of the duties
of these positions are as follows:
President — Give leadership and
guidance, promote the profession,
serve as presiding officer and
chairman of the Governing Board,
and appoint all committees.
Executive Vice President — Become
the President if the office of President
becomes vacant for any reason, act
as Chairman of the Chapter Directors,
and work with the chairperson of the
Conference Committee to establish
adequate preparations for
future meetings.
Vice President — Aid the President
and Executive Vice-President as
needed, encourage a continuing
contact between the member chapters
and regional officer during the year,
be an active support for the president,
and work in conjunction with the
Executive Vice-President to be the
liaison between member chapters and
the Regional Association.
Secretary — Keep the minutes of all
proceedings of the meetings of the
Governing Board, keep the minutes
of all annual and special meetings,
and prepare and submit any reports
demanded of the office.
National Society Vice President —
position filled until 2010-2011
fiscal year.
Treasurer — Be responsible for all
finances of the Association, serve as
Chairman of the Budget Committee,
be responsible for the collection
of dues from the chapters, and be
responsible for effecting a smooth
transfer of the office and files to his
successor. (However, now that we are
working with BLF Management these
responsibilities have changed slightly.)
There are several standing
committees that could use volunteers
such as the Membership, Education
and Research, Constitution and ByLaw, and Conference Committees.
If anyone is interested in being
nominated at the May meeting in
Louisville or interested in volunteering
for one of the committees mentioned
above, please contact me at
dan209@llaudit.com.
Columns & Rows •
Winter 2009 • 3
Exit Interview
By Keith West, Insurance Auditors Association of Alabama
We have heard discussion time and
again on the topic of performing an
exit interview. I am amazed when
talking with some in the auditing
industry when they tell me they
perform an exit interview at every
audit, regardless of who they met
with to complete the audit. I ask,
“What if that someone is an outside
accountant?” They respond by
saying they do the exit interview with
the accountant. I then respond by
inquiring, “And the insured likes this?”
Wow!
More and more these days it seems
the theme of working with auditors
from a management position is “Back
to the Basics.” I recently asked a
group of auditors how many had
disputed audits returned in the past
twelve months. Almost every hand in
the room went up. I then followed that
question by asking how many would
like to see their number of disputed
audits reduced by a substantial
percentage. Again (thankfully), almost
every hand in the room was raised.
The exit interview is an integral part
of performing a thorough audit. The
final goal of the exit interview is to
reach an agreement with the insured
over the audit results. Sometimes
this agreement may be that you are
going to disagree on certain issues.
As long as the insured knows this
disagreement is well documented
in the audit report, most of the time
they are satisfied with the end result.
Also, if this disagreement is well
documented, then any dispute most
likely will not make it back to
your desk.
Some believe the exit interview
is nothing more than obtaining a
signature on a sheet of paper or a
signature pad and asking the insured if
they have any questions. It is so
much more, and its importance is
critical to the audit process. The exit
interview should actually start when
you arrive for the audit and is ongoing
throughout the process of completing
the audit. Information regarding the
insured and their business is obtained
through visual inspection and oral
communication, many times by just
letting the insured talk. Let them talk
about themselves, they love it!
What should I review and with whom
should I review it?
• Always discuss the audit with the highest level of management as possible.
continued on the next page
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Columns & Rows • Winter 2009 • 4
Exit Interview (continued)
•
•
•
•
•
•
•
•
•
Review the description of operations and be sure you know exactly what the insured does and how they do it. Review the facts with the insured and make
sure they agree with what you have down for their business operations. Doing this before the steps below because now you have an agreement on
these facts.
Review the principals, their duties, and how they are classified in the audit.
Review how the gross payroll was determined and how it was
reconciled to verification information.
Review the classification
of employees.
Review specific departments and why they are classified as
they are (i.e. shipping, receiving, janitorial, foremen, plant supervisors, etc.).
Review payroll adjustments such as premium overtime, severance pay, third party sick pay, etc.
Review actual exposures versus estimated exposures (without discussing premium!!!)
Review changes in operations (if any) and the effect this had on the audit.
Review inclusion of contract labor or subcontractors (if applicable) and explain why they have handled they way they are in
the audit.
When the exit interview is complete,
the goal is to have an audit that
the insured agrees with and can
be submitted to the carrier without
question. Sometimes this may require
explaining (in layman’s terms) a
manual rule to an insured (i.e., Total
Cost, including pre-tax deductions in
gross payroll, etc.).
Be sure to answer the insured’s
questions, as long as you truly know
the answer. If you do not, be honest
with the insured and let them know
you will get an answer and get back
to them. Please, be sure to get back
with them.
Finally, document your audit with
whom the exit interview was
performed, and be sure they are in
agreement with the audit. If there are
disagreements to be documented,
then make appropriate notes.
Spending the time with an insured to
answer their questions shows them
you have a genuine concern for doing
your job thoroughly which in turn
gives them the confidence in your
ability. This builds trust and a true
relationship between the insured and
their insurance company.
Now, all that information is great … In
a perfect world. Needless to say, we
do not live in such a society. There
will be times when we meet with an
outside accountant or bookkeeper and
try to reach the insured to perform the
exit interview and they do not respond.
There are probably 100 different ways
this situation can be handled. What
has worked for me is the following:
• I call the insured after obtaining all financial data from the outside accountant or bookkeeper and
stress the importance of talking with the insured in order to finalize the audit by obtaining business description, duties of
employees, etc. If I reach the
•
•
•
insured at that time, I follow
the steps above. If I have to leave
a message, I usually let the
insured know that I need to hear
from them within three
business days. I note my file as
to the date and time called as
well as which phone number
was called.
After three business days if the insured has not responded, I call
the agent and let them know what
I am trying to do and that the
insured has not responded. I
ask for any other contact
numbers at that time. I also
inform the agent that I need
to hear from the insured within
two business days or I will be
forced to place all exposure on
the audit in the highest rated
class code on the policy.
I then call the insured again,
and politely as possible, stress
the importance of them
returning my phone call and that
if I do not hear from them
within two business days, I will
be forced to place all exposure
on the audit in the highest rated
class code on the policy.
If the insured does not respond, document the audit accordingly and get the information back to the carrier.
I received an email today with an
interesting quote that could be used
for this very topic:
“The longest distance between two
points is a shortcut,” – Nancy Dornan
How true that is!
Your next
business
partner.
214 W 35th Street · Davenport, IA 52806 · 800.437.6754 · www.insaudit.com
Columns & Rows •
Winter 2009 • 5
Conflict
By Eric Gravens, Insurance Auditors Association of Kentucky
I do not know about you, but I do get
drawn to self-help reference books on
occasion, more because of curiosity
than anything. Although most of the
self-help industry does not vary
much in their subject matter, our
home office operations manager
recently recommended to me an
interesting outlier:
The Manager’s Conflict Resolution
Handbook – A Practical Guide For
Creating Positive Change, by Ilayne J.
Geller & David Cottrell
Do not let the name fool you. This is
a reference book for all, with advice
that can help you in your day-to-day
challenges and dealing with difficult
people. There are other areas of good
advice and how to deal with particular
situations. Below are two outlines of
“what not to do” and “what to do” when
dealing with conflict.
“10 Ways to Keep a Conflict From
Escalating” (What not to do)
1. Avoid the conflict at all costs — maybe the problem will just
go away.
2. React on the spot without thinking.
3. Take things personally.
4. If someone is highly emotional, tell the person to “calm down.”
5. When attacked, attack back.
6. Handle the conflict via email!
7. Say the “right” words without being sincere.
8. Push the discussion no matter how upset you or the other person gets.
9. Focus only on your interests and forget the interests of others.
10.Jump into conflict resolution discussions without adjusting your attitude and writing
your intention.
“10 Ways to Keep a Conflict from
Escalating” (What to do)
1. Get all the facts and clearly identify the problem.
2. Encourage people to challenge the status quo early so that all different opinions are on the table from the outset.
3. Do your best to see the positive in situations and people.
4. Be willing to listen and consider all viewpoints, especially those you disagree with.
5. When others explain their intention and viewpoints, summarize and paraphrase to confirm understanding.
6. Look for common ground in any difficult situation.
7. When possible, resolve one issue at a time.
8. Deal with the molehills before they become mountains!
9. Only send and respond to emails that are informational in nature.
If there is any hint of disagreement, meet in person or pick up the phone.
10.Watch and listen for
inconsistencies between people’s words and their nonverbal behaviors and encourage them to voice their concerns.
“A good manager doesn’t try to
eliminate conflict; he tries to keep
it from wasting the energies of his
people.” – Robert Townsend
Columns & Rows •
Winter 2009 • 6
Oh, Well!
By Tony Rangel, Insurance Auditors Association of Alabama
I was working in Tuscaloosa, Alabama.
The place I was going to is located
on US 82, a busy four lane highway.
The parking area is in the rear of the
building. I parked my car, went into
the building, completed the audit, and
proceeded to leave.
I backed up from the parking space
and put my car in drive. When I
accelerated, I heard a creaking noise.
I stopped my car and backed up to
see if I could hear the noise again,
thinking that something is wrong with
my car. I heard the same noise, then a
stump. And my car went down a little.
I got out to see what had happened.
I noticed that there as a piece of
plywood lying on the parking lot. It
was covering an old well. My tire had
broken the plywood and my car sank
into the hole.
I had to call a tow truck to come and
get me out of the hole. The guy raised
my car up with his tow truck and put
a piece of wood under the tire and
across the hole and I was able to
drive away.
Life
Author Unknown
Life is not about keeping score. It is
not about how many friends you have.
It is not about how your family is or
about how much money you make. It
is not about the car you drive or where
you went to school. It is not about how
beautiful you are or what clothes you
wear. Not about how smart you are or
how smart everybody else thinks you
are. Or about what clubs you are in or
how good you are at your sport.
But, life is about whom you love. It
is about whom you make happy. It
is about keeping trust. It is about
friendship. It is about what you say
and mean. It is about carrying inner
love, letting it grow, and giving it to
others. It is about the clients you serve
and the people you help. But most of
all it is about using your life to touch
other people’s hearts in such a way
that could never happen without you.
Only you choose the way those hearts
are affected and those choices are
what life is all about.
Columns & Rows •
Winter 2009 • 7
Advice to Get You Through the Day
By Nancy Elmore, Insurance Auditors Association of Alabama
This came to me in a “forward to
a friend” email, and I thought it
contained some very good advice. Our
lives are stressful, the economic future
is uncertain, and things can weigh
on our minds until we can’t function.
I realize some of the advice may not
be practical for all situations, but I
decided to keep the following list intact
and let you glean what may help you
most. The author is unknown.
“Never borrow from the future. If
you worry about what may happen
tomorrow and it doesn’t happen, you
have worried in vain. Even if it does
happen, you have to worry twice.”
1. Pray.
2. Go to bed on time.
3. Get up on time so you can start the day unrushed.
4. Say No to projects that won’t
fit into your time schedule or that willcompromise your mental health.
5. Delegate tasks to capable others.
6. Simplify and unclutter your life.
7. Less is more. (Although one is often not enough, two are often too many.)
8. Allow extra time to do things and to get to places.
9. Pace yourself. Spread out big changes and difficult projects over time; don’t lump the hard things all together.
10. Take one day at a time.
11. Separate worries from concerns. If a situation is a concern, find out what God would have you do and let go of the anxiety. If you
can’t do anything about a situation, forget it.
12. Live within your budget; don’t use
credit cards for ordinary purchases.
13. Have backups; an extra car key
in your wallet, an extra house key
buried in the garden, extra stamps, etc.
14. K.M.S. (Keep Mouth Shut). This
single piece of advice can
prevent an enormous amount
of trouble.
15. Do something for your inner child
every day.
16. Carry a Bible with you to read while waiting in line.
17. Get enough rest.
18. Eat right.
19. Get organized so everything has its place.
20. Listen to a tape while driving that can help improve your quality
of life.
21. Write down thoughts
and inspirations.
22. Every day, find time to be alone.
23. Having problems? Talk to God on
the spot. Try to nip small
problems in the bud. Don’t wait
until it’s time to go to bed to try
and pray.
24. Make friends with Godly people.
25. Keep a folder of favorite
scriptures on hand.
26. Remember that the shortest
bridge between despair and hope
is often a good “Thank you
Jesus.”
27. Laugh.
28. Laugh some more!
29. Take your work seriously, but not yourself at all.
30. Develop a forgiving attitude (most people are doing the best
they can).
31. Be kind to unkind people (they probably need it the most).
32. Sit on your ego.
33. Talk less; listen more.
34. Slow down.
35. Remind yourself that you are not
the general manager of the
universe.
36. Every night before bed, think
of one thing you’re grateful for
that you’ve never been grateful
for before. God has a way of
turning things around for you.
“If God is for us, who can be against
us?” – Romans 8:31
Columns & Rows •
Winter 2009 • 8
HTTP What?
By Ann Leithauser, Insurance Auditors Association of Alabama
I don’t know how many of you are
aware of this difference, but this is
worth sending to anyone that may not.
What is the difference between HTTP
and HTTPS?
It’s all about keeping you secure.
HTTP stands for Hyper Text Transport
Protocol, which is just a fancy way
of saying it’s a language. It transfers
information back and forth between
web servers and clients. The important
thing is the letter “S,” which makes the
difference between HTTP and HTTPS.
The “S” stands for “Secure” (big
surprise). If you visit a website or
webpage, and look at the address in
the web browser, it will likely begin
with the following: http://. This means
that the website is talking to your
browser using the regular “unsecured”
language. In other words, it is possible
for someone to “eavesdrop” on your
computer’s conversation with the
website. If you fill out a form on the
website, someone might see the
information you send to that site.
This is why you never ever enter your
credit card number in an http website!
But if the web address begins with
https:// that means your computer is
talking to the website in a secure code
that no one can eavesdrop on.
You understand why this is so
important, right?
If a website ever asks you to enter
your credit card information, you
should automatically look to see if the
web address begins with https://.
If it doesn’t, you shouldn’t enter
sensitive information like a credit
card number.
Pass this information on. You may
save someone a lot of grief.
For more information, please visit the
following website: www.snopes.com/
computer/internet/https.asp
IAASE Sponsors
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Columns & Rows •
Winter 2009 • 9
Pop Quiz: The 25 Most Commonly Misspelled Words
Submitted by Ann Leithauser, Insurance Auditors Association of Alabama
Visit the below website for a fun spelling quiz.
Warning: This might be humiliating.
http://www.businesswriting.com:80/tests/
commonmisspelled.html
Resources for Auditors
By Myrna Geiger, Insurance Auditors Association of Mississippi
Following are two websites that I
track that keeps me up-to-date on the
executives in the industry and who is
buying what and where. I find them
useful and hope that you do too. I also
found an article about check cashing
fraud in Florida, new government
regulations as in FMLA and military
leave, etc. through these sites.
http://www.workerscompensation.com/
newslettersignup.php
http://www.insurancejournal.com/
subscribe/profile.php
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Our People Make the Difference
Physical Audit States Serviced:
Illinois  Indiana  Kentucky  Michigan  Minnesota  North Dakota  South Dakota  Ohio  Wisconsin
Phone Audit States Serviced: Nationwide
Voluntary Audit States Serviced: Nationwide
Because our auditors and staff are
employees, we control the entire
audit process, and therefore
control the quality of every audit
conducted.
The right people combined
with the right tools keeps
Chlystek & White in a class of its
own.
Professional
Responsive
Proven
Nationwide Phone & VoluntaryAudits
Including Alaska and Hawaii
Internet-based
Technologies
Powered By
AuSuM Systems
Call 800-523-8501 or visit www.cws-gr.com
1601 Galbraith, S.E., Suite 302, Grand Rapids, MI 49546
Columns & Rows • Winter 2009 • 10
Retirement News: Garry Morrow
Gary Morrow of Bituminous Insurance
Companies retired on December 31
from the Atlanta office after 53 years
of service.
Gary joined Bituminous December
1955 in home office premium audit.
In May 1957 he transferred to Florida
audit and later that year he transferred
to New Orleans audit. In June 1958
he returned to Rock Island audit. Gary
served in the U.S. Army from July
1959 to July 1961, returning to Atlanta
audit in July 1961. Gary was honored
by his co-workers and family at a
luncheon in the office where he was
presented a monetary gift.
Gary plans on spending his retirement
enjoying more time with his family,
some traveling and fishing.
Herbert Porter, of Las Vegas, Nevada;
sister Ann Porter, of Long Island, New
York; two grandchildren, Meredith
Midgette Lovelace and Murray D.
Midgette, Jr; one great grandchild,
Charles Ryan Lovelace; and more
friends than is appropriate to list
here. Graveside services were held
on Wednesday, October 03, 2007 at
2:00 pm from Laurel Hills Memory
Garden cemetery with Rev. Darrell
Dale officiating. Music was provided
by The Cheerful Sounds. Pallbearers
were Ross Marshall, Ralph Marshall,
Mike Marshall, John Ray Parker, Jerry
Harrington, and Thurman Roach. The
interment was in Laurel Hills Memory
Garden. Banister Funeral Home of
Hiawassee was in charge
of arrangements.
A member of the Bituminous 20 Year
Club, Gary and his wife, Larlaine,
reside in McDonough, Georgia.
Obituary: James Eugene Porter
Mr. James Eugene Porter, age 79 of
Hiawassee, Georgia passed away on
Friday, September 28, 2007 following
a period of declining health. He was
born to the late Oscar and Frances
(Burton) Porter on November 28,
1927 in Fulton County, Georgia. He is
survived by wife, Mrs. Virginia Porter,
of Hiawassee, Georgia; daughter and
son-in-law, Cathy and Darrell Midgette,
of Kennesaw, Georgia; brother, Mr.
We Build Partnerships Regionally and Nationally Between
Our Clients and Premium Audit & Inspection Companies.
We match your requirements with the best servicing vendor.
MONTGOMERY
Partners, Inc.
For Additional Information or to Schedule a Consultation
Contact Bob Montgomery (817) 821-0808
bobmontgomery@montgomerypartnersinc.com
• PREMIUM AUDIT Experienced tenure professionals who provide
physical, phone, mail audit services, and access to on-line ordering,
viewing, and reporting capabilities.
• LOSS CONTROL Commercial and Residential Surveys
(Inspections) include full underwriting, loss control, and insuranceto-value, risk operation reports, exposures, and proper classifications.
We insure clients partner with the best vendors so they can focus
on business, refine their service offerings, and ultimately increase
their revenues.
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“Our two-year association with Montgomery Partners helped us achieve a loss ratio under 40% both years.” ~Mack Avery, Operations Manager, Hallmark General Agency, Inc.
LOUISVILLE, KENTUCKY
Hyatt Regency Louisville
MAY 17-19, 2009
Columns & Rows • Winter 2009 • 11
IAACS, IAASE, IAASW 2008-09 Sponsorship Order Form
Please select your desired level of sponsorship :
3-Star
PREMIUM AUDIT
IAACS/Central Region 2008-2009
 $750
IAASE/Southeast Region 2008-2009  $750
IAASW/Southwest Region 2008-2009  $750
Consider joining and
gain more exposure!
2-Star
1-Star
 $500
 $500
 $500
Sub-Total
 $250
 $250
 $250
$ ____________
$ ____________
$ ____________
Total Sponsorship
$ ____________
To see complete sponsorship benefits, visit www.iaa-regions.org and click the Marketplace tab.
Agreement
Our company understands that upon submitting this form for Select, we agree to act as a partner at the indicated level. We also understand that no
refunds will be given prior to or after these services have been completed.
AUTHORIZED REPRESENTATIVE
DATE
Contact & Payment Information
CONTACT NAME
COMPANY
EMAIL
ADDRESS
CITY/STATE/ZIP
PHONE
FAX
Payment Method
 Check
CARD NUMBER
 Credit Card (Circle One) VISA
MasterCard
American Express
Discover
CARD SECURITY CODE
CARD EXP. DATE
SIGNATURE
Fax or mail this form, including contact information to: IAA Regions • PO Box 1896 • Columbus, OH 43216-1896
Phone: (614) 221-9828 • Fax: (614) 221-2335 • Email: iaa@iaa-regions.org
IAACS, IAASW, and IAASE collect credit card information to make it easier for you to register for dseminars and events online, as well as paying for other services. IAACS,
IAASW, and IAASE do not use or share credit card information for any other purpose. We retain such information as is needed for standard accounting record keeping
requirements. Every step is taken to protect the loss, misuse, and alteration of the information under our control. If you prefer, please use a check or money order to make
any necessary payments. Thank you.
Columns & Rows • Winter 2009 • 12
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Insurance Auditors Association of the Southeast
LOUISVILLE, KENTUCKY
Hyatt Regency Louisville
MAY 17-19, 2009
 SESSIONS INCLUDE
 ANNUAL SEMINAR LOCATION  IMPORTANT DATES
Win, Place, or Show … Where Does our Hyatt Regency Louisville
320 W Jefferson
Industry Stand in These Times?
Louisville, KY 40202
State of Kentucky Workers’
(502) 581-1234
Compensation
How to Locate and Retain Quality People Fax: (502) 540-3128
Using Non-Payroll Sources for Auditing
Call Hyatt Reservations at (800) 233-1234
Win, Place, or Show ... What You Need
and request the IAASE Seminar 2009 rate
to Know
of $129.00 plus tax (single/double).
A Team-Building Mindset
Workers’ Compensation Premium Fraud
Just the FAQs
Friday, April 24 – Early registration ends.
Friday, April 24 – Hotel reservation cutoff.
Wednesday, April 29 – Cancellations must
be submitted in writing by this date in
order to receive a refund of registration
fees minus $50. No refunds will be given
after this date.
TREGISTRATION FORM
For more information or questions, contact IAASE at (614) 221-9828.
Please retain photocopy for your files.
HOW TO REGISTER
The preferred method for registration is the online secured registration form at www.iaa-regions.org. Registrations will be accepted on the official registration form only. Photocopies of the form are
acceptable. Acceptable methods of payment are check, money order, American Express, Discover, MasterCard, or VISA.
IAASE 2009 ANNUAL SEMINAR
MAY 17-19, 2009
Preferred Method: Online
Secured online registration at www.iaa-regions.org.
Other Methods
Registration Fees
Send your completed registration form with payment to:
IAASE
P.O. Box 1896
Columbus, OH 43216-1896
On or Before
After
April 24
April 24
(Early Fee)
(Regular Fee)
IAASE Member
‰ $199
‰ $249
Non Member
‰ $249
‰ $299
Spouse/Guest Fee
‰ $69
‰ $69
Number of Guests: ________ Spouse/Guest Names: ________________________
____________________________________________________________________
____________________________________________________________________
Registrations forms with payment must be postmarked or faxed on or before April 3, 2009
to receive the early fee. Contact IAASE at (614) 221-9828 with questions.
Total Amount Enclosed
Fax
If you are paying for your registration with a credit card, fax the registration with payment
information to (614) 221-2335.
Mail
$ __________
REGISTRATION
Full Name
Position
Organization
Mailing Address
City
State
Daytime Phone
Fax Number
ZIP
Email Address
Emergency Contact Name and Phone
Please check if applicable:
‰ First Time Attendee
‰ Special Assistance Required _______________________________________________________________________________________________________
‰ Dietary Needs ___________________________________________________________________________________________________________________________________________
To assist us with attendance, please check the events that you will be attending:
Monday, May 18
Sunday, May 17
‰ 5:30 pm – 6:30 pm
Welcome Reception and Trade Show
Tuesday, May 19
‰ 7:00 am – 8:00 am
‰ 12:00 pm – 1:00 pm
Lunch and IAASE Business Awards Meeting
‰ 7:30 pm – 10:00 pm
IAASE Banquet
Continental Breakfast
PAYMENT INFORMATION
‰Check payable to “Insurance Auditors Association of the Southeast” or “IAASE”
‰Credit Card
‰VISA
‰MasterCard
‰Amex
‰Discover
Account Number
Expiration Date
Security Code (3 digits on back of card)
Card Billing Address
City
State
ZIP
Name as Printed on Card
Signature
Date
The Insurance Auditors Association of the Southeast (IAASE) collects credit card information to make it easier for you to register for seminars and events online, as well as paying for other services. IAASE does not use or share credit
card information for any other purpose. We retain such information as is needed for standard accounting record keeping requirements. Every step is taken to protect the loss, misuse, and alteration of the information under our control.
If you prefer, please use a check or money order to make any necessary payments. Thank you.
FOR OFFICE USE ONLY
Date: _____________________________ Amount Paid: _______________________________Check/Batch#: ______________________________ By: _____________________________