CIU 2008
22nd Annual Meeting
May 5 & 6, 2008
Toronto Marriott Eaton Centre
“Focus on the Future“
CIU 2008 Annual Meeting
To book your Marriott Hotel accommodations by April 4th cut-off, please visit:
http://marriott.com/yyzec?groupCode=ciuciua&app=resvlink
22
nd
Annual Meeting of the CIU
May 5 & 6, 2008
Toronto Marriott Eaton Centre
Conference Dress Code: Business Casual
CIU 2008 ANNUAL MEETING
Sunday, May 4th
4 :0 0 - 6 :0 0 PM
Pre -Registration at the Toronto Marriot Eaton Centre
CIU 2008
Monday, May 5th
7 :0 0 AM - 4:0 0 PM
Registration
7 :0 0 - 8:0 0 AM
Continental Breakfast
8 :0 0 - 8 :3 0 AM
Anthems
Welcoming Remarks
Brian Baxter - Chair, CIU 2 0 08
Chief Underwriter, Wawanesa Life
Greetings from :
Lynn E. Patterson , Chair
AHOU
AQT -V
8 :1 5 - 8:3 0 AM
REVISITING :
The Guiding Principles for Underwriters
8 :3 0 - 9 :4 5 AM
INDUSTRY KEYNOTE :
Greg Kaiser, FSA, FCIA
Executive Vice President
Great-West Life - London Life - Canada Life
“What’s Driving the Insurance Industry?
The Canadian Life Insurance Industry has experienced considerable change relative to company
mergers , consolidations and withdrawal from the market place . What drives this industry movement? Is
there still a chance that the banks will move directly into the insurance industry or will the insurance
industry move into banking ? What is driving the face of change within our financial institutions ? What
are the key elements of survival, continued growth and profitability ?
What are the major issues facing
our industry as we move forward ? Is underwriting still a pillar of corporate profitability? What growth
can we look forward to in a mature market place ?
Join us for an insightful industry keynote address as we Focus on the Future .
9:4 5 - 10 :0 0 AM
10 :0 0 - 1 1 :0 0 AM
Refreshments Break
LABORATORY RESULTS:
Dr. Robert Stout, Ph .D
President / Director
“When Can Abnormal Tests,
Be Considered Normal?”
Clinical Reference Laboratory
Blood testing of insurance applicants was first introduced in 1 9 81 . Following the emergence of AIDS ,
the number of samples tested increased dramatically. The initial base blood profile included only 1 2
tests . But, as larger analyzers became available , more comprehensive test profiles evolved with more
than 24 tests being included . Test profiles were established based on their utilization in the hospital and
clinical markets with only minor concerns about how well the test identified mortality risk in a well
population . When insurance applicant results are analyzed , some tests provide no information on
mortality risk while others provide only minimal information . At this session Dr. Stout will discuss how to
use mortality results to drive test selection and how to eliminate unnecessary test(s).
11 :0 0 AM - 12 Noon
“The Long Walk Home”
from Afghanistan
KEYNOTE ADDRESS
Master Cpl. Paul Franklin on Winning the Battle of his Life
Time magazine calls Master Corporal Paul Franklin "one of Canada’s heroes."
A new book tells his inspiring story... ..hear him tell it to the CIU
In 2 0 0 6 , a suicide bomber in Afghanistan attacked a vehicle carrying Paul Franklin .
Two of his colleagues were injured and a Canadian diplomat was killed . Though he
would lose both his legs , Franklin survived , keeping a promise to his wife that he
would return to see their family. Within months , and against incredible odds , he was
walking on artificial legs , and rebuilding his life at home . In The Long Walk Home ,
and in his speeches , Franklin inspires all of us— soldiers and civilians alike —who
wonder how they will take that next step when tough times challenge the body and
the spirit.
12 Noon - 2:0 0 PM
FALU Luncheon ....by Invitation Only
Delegate Luncheon ...... on your own
2:0 0 - 3 :0 0 PM
Workshop Sessions # 1 - # 4
3 :1 5 - 4 : 1 5 PM
Sessions #1 through # 4 are repeated in this following time slot
#1
FOREIGN TRAVEL:
THE DILEMMA OF THE DECADE
Select to attend 2 Sessions ...
Fraser Cutler
Senior Vice President
Life & Health Products
Swiss Re Life & Health Canada
Foreign travel seems to be the dilemma of the decade . The world is getting smaller, the demographics of
Canada and North America more complex , and this continuing evolution is creating significant
questions for underwriters and field force . Regulatory pressure is threatening the right to underwrite
and world conditions change daily.
This interactive presentation will lead you through the land mines of essential and non -essential travel
risks .
#2
UNDERWRITING DEVELOPMENT :
DOES ANYONE TRAIN ANYMORE?
Bonnie Jensen , FALU
Senior Director
Underwriting Education & Development
John Hancock
Debbie Rankin , FLMI, FALU , HIA, ARA
Assistant Vice President
Global Underwriting Projects
Sun Life Assurance
This session will provide overviews of case studies from two of North America ’s largest insurers (Sun
Life and John Hancock ) delving into their individual approaches to underwriting training and
development. The presenters have an ‘up close and personal’ view of the issues faced by our industry in
the market today and what their respective companies are doing to address these challenges .
Topics of discussion in this session will include : Flexibility of Underwriting Resourcing ... .Why Train
New Underwriters ? ... .Selection of the right candidates : External vs . Internal Trainers , Curriculum
Planning , Post-training Follow -up and Ongoing Training & Development of Experienced Underwriters .
Also shared , will be some practical tips for enhancing your own training programs .
#3
RENAL DISEASE :
eGFR & CKD in
Life Insurance Applicants
Dr. Howard Minuk
Chief Medical Officer
Swiss Re Life & Health Canada
This session will update and inform Underwriters on topics relating specifically to Renal Disease ...
What exactly is Chronic Kidney Disease ? The Limitations of Random Urines * Expression of
Microalbumin & Microalbumin /cr in different ratio units * CKD in older age insurance applicants and
sorting out all these stats & issues * eGFR Calculations - What the results mean and how to use them in
day to day underwriting * Mortality Implications of CKD ... ..including an overview of clinical cases .
#4
ARTHRITIS MORTALITY
Dr. Tim Meagher - ExamOne
3:0 0 - 3 :1 5 PM
Refreshments Break
3:1 5 - 4 :1 5 PM
Workshop Sessions #1 - #4
4:1 5 PM
Monday Business Program Adjournment
CIU 2008
Monday May 5th - Evening Events:
4 :3 0 - 6 :3 0 PM
Reception - Cash Bar
6:3 0 - 9 :3 0 PM
Dinner & Entertainment with
Repeated ...as at 2 :0 0 - 3 :0 0 PM
James Cunnigham
You won’t want to miss this ... .!
Join your fellow underwriters for an evening
of networking and laughter as the country’s hottest Corporate Comedian
& MC , James Cunningham , hosts the CIU 2 0 08 annual meeting ’s evening events.
From the smash success of his award -winning Funny Money lectures
to his nightly stints on comedy stages across North America ,
one of the best.
CIU 2008
Tuesday, May 6th
7 :0 0 - 1 0 :3 0 AM
Registration
7 :0 0 - 8 :0 0 AM
Continental Breakfast
8 :0 0 - 9 :1 5 AM
PERSONALITIES at WORK :
James Cunningham
is simply
Lower Level Foyer at hotel
Brian R . Little , Ph .d .
“TOWARD A FREE TRAIT AGREEMENT”
An award-winning psychologist and university professor, Dr. Little's area of expertise is
personality types . His presentations are a wonderful exploration of how specific
types of personalities react to certain situations , how different personalities work
together, and how a better understanding of these issues can improve and enrich all of
the important relationships in our lives . Because of his superb knowledge of the
business environment,
Dr. Little's presentations offer vital information on such
issues as teamwork , customer communication and personal effectiveness .
Combining a lively performance with practical take -home lessons, he equips
audience members with the strategies and tools they need to succeed .
9 :1 5 - 9 :3 0 AM
Business Session - CIU Update
Brian Baxter, Chair - CIU 2 0 08 & Norm Leblond , Incoming Chair - CIU 2 0 09
9:3 0 - 1 0 :3 0 AM
PSYCHIATRIC DISORDERS : UNDERSTANDING DEPRESSION
THE INVISIBLE DISEASE & ITS IMPACT ON UNDERWRITING
Dr. Mark Etkin - Private Practice
Staff Psychiatrist - Miserocordia HC
Concordia Hospital, Winnipeg
How much do underwriters really understand about Mental Illness ?
Approximately 1 in 5 women , and 1 in 1 0 men ,
will suffer from depression at some point in their lives .
Almost 1 .5 million Canadian have serious depression at any given time , but less than one third of these
people seek medical help .
Mental health claims are the fastest growing category of disability costs in
Canada; they account for 3 0 to as high as 40 % of all Canadian Disability Claims .
factors of applicants living with Depression ?
What are the key risk
What are the most effective forms of treatment and do they
reduce the risk factors ? With so many people living with depression , how do we differentiate the various
levels to determine acceptability ?
Join us for this highly informative session to realize a better understanding of Depression .
10 :3 0 - 10 :4 5 AM
Refreshments Break
10 :4 5 AM - 12 Noon
“THE
VIEW UP THE LINE”
Facilitated by:
Bill Marschall
AVP & Chief Underwriter, Canada Life Reinsurance
Panelists:
Jeffrey Fox
RVP, Transamerica Life Canada - AEGON
David Stewart
VP Sales & Marketing , Performins Canada
Julian Wise
Financial Advisor
Join us for a lively panel among three individuals involved in the sales end of the life business - a company
wholesaler, an MGA, and an advisor. They will address some of the more contentious and controversial
underwriting topics of the day , each from their own unique perspective .
12 Noon - 1:3 0 PM
1:30 - 2:45 PM
CIU Hosted Luncheon & Cash Bar
All Welcome
CIU Panel - The Three Emdeeco’s
“WHAT DOES THE FUTURE HOLD?”
Facilitated by:
Peter Speers
RBC Insurance
Panelists:
Dr. Tim Meagher
ExamOne
Dr. Howard Minuk
Swiss Re
Dr. Robert Snihura
RBC Financial Group
What is better than one Medical Director? How about Three ?
For the first time in CIU history we have three of the best known Doctors within the Canadian insurance
industry on stage . They will be addressing some of the most pressing issues of medical conditions that are
facing underwriters today.
But will they agree ? Or will there be a wide variance of opinion ? Can there be more than one approach to
resolving medical decisions that impact mortality and morbidity ?
The answers to these questions and more will be found in a fast and furious open discussion session that
promises to be both entertaining and educational.
2 :4 5 - 3 :0 0 PM
Refreshments Break
3:0 0 - 4 :0 0 PM
ADDICTIONS UPDATE :
NEW DEVELOPMENTS & INSIGHTS INTO RISK ASSESSMENT
Dr. Graeme Cunningham , Director Addiction Div .
HOMEWOOD Health Centre
This presentation will briefly describe how to diagnose addictions and separate them from foolish or
inappropriate use of chemicals . We will also look at treatment options , particularly what works , as well as
the role of the employer and how money can be saved by providing appropriate treatment relative to the
expensive costs incurred by the addictive process itself.
4 :0 0 PM
Closing Remarks
Norm Leblond - Incoming Chair - CIU 2 0 09
Next Year’s Meeting
Sun Life Assurance
Adjournment
* * * * *