Table of Contents
Page
2
3
4
Governing Council 2012/2013
President’s Report
Academic Division Report
Membership
Education
Number of Class Offerings & Students
Yearly Semesterly Dispersion of Students
Distance Learning Statistics for IISA Territory
IISA Classroom Registrations
Active Instructors
Exam Centres and Proctors
Career Connections
Feed the Minds of Youth
Career Connections Ambassadors
Career Connections Activities
12
Professional Division Report
Seminars (SEP & CIP)
SEP Seminars
CIP Society Seminars
Special Events & Communications
35th Annual Convocation & Awards Ceremony
National Education Week
CIP Society Networking & Social Events
15
16
Local Topics
Graduates and Award Winners of the Institute – November 2012
GIE
CIP
FCIP
National Awards
Local Awards
18
21
22
23
24
Minutes from the 2011/2012 AGM
Notice to Members of the 2012/2013 AGM
Presidents of the IISA
Honorary Life & Senior Sustaining Members
Audited Financials for the 2012/2013 year
Page 1
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
2010-20
Governing Council 2012/2013
Executive Committee
President
Kevin Callbeck, BComm, FCIP
Vice President – Academic Division
Mark Rouleau, FCIP, CRM
Vice President – Professionals Division
Nathalie Wright, CIP
Secretary/Treasurer
Betty Dietz, BComm, FCIP
Past President
Clyde Nobbee, PEng, FCIP, CRM
Education & Membership Committee
Azra Ayriss, BA, FCIP, CRM – Co-Chair
Leah Strader-Goled, FCIP, CRM
Vacant – Co-Chair
Becky Wagner, CIP
Committee Invitees (non-voting, non-elected)
Laurie Bayliss, FCIP, CRM
Seminar (SEP & CIP) Committee
Gayle Evanik, CIP – Co-Chair
Rhawnie Tremblay, CAIB, CIP, CRM
Alissa Stewart, CIP
Louise Sanna, ACII (UK) – Co-Chair
Ken DeDecker, CIP, CRM
Committee Invitees (non-voting, non-elected)
Linda Buckton, CIP, CRM
Tammy Lesnak, CIP
Dave Latham, BA, FCIP
Twyla Benner, CIP
Dennise Roach, BA
Rebecca Collins, BA, CIP
Sherry Bignell, CIP, CAIB
Heather Kenny
Career Connections Committee
Angela Braun, CIP – Chair
Committee Invitee (non-voting, non-elected)
David Le, FCIP, CRM
Special Events & Communications Committee
Kenda Brown, ACS, C.Admin, CIP – Chair
Committee Invitees (non-voting, non-elected)
Neily Hickey-Prusak, CIP
Emma Babiuk, CIP, CRM
Lynne Fawcett, FCIP, CPIW
Vishnu (Vic) Premlall, BEng, CIP, CPCU, ARM
Marketing Committee
Joanne Lemna, CIP
Neily Hickey-Prusak, CIP
Red Deer Champion
Lethbridge Champion
Jim Johnson, FCIP
Robin Mills, CIP
Non-elected and Non-voting Invitees
Norma Nielson, Ph.D, CLU
University of Calgary, Haskayne School of
Business
Page 2
Jim Silovs, BPE, BEd, JD
Mount Royal University
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
President’s Report
Kevin Callbeck, President
I am pleased to present our annual report, on behalf of the Insurance Institute of Southern Alberta.
The 2012/2013 term has been yet another successful one at the Insurance Institute of Southern
Alberta. That’s a significant achievement, considering that Council members give their time and
energy as volunteers, in addition to their responsibilities to their employers, and they maintain their
level of commitment while the industry undergoes change around us all.
Our Academic and CIP Society budgets both exceeded surplus expectations, our Seminar attendance
levels exceeded expectations, and we also offered more CIP classroom opportunities than initially
planned. To top it off, we offered social and networking opportunities as well, including the first event
in Lethbridge in years!
In addition to a number of ongoing activities to strengthen our operations, this was the first year that
the IISA offered non-voting Committee Invitee opportunities on Council to further engage and enlist
members into our operation, and we appreciate their involvement and their contributions. We will
continue to provide this opportunity and look for means to engage and involve our Invitees.
We also saw our Education Coordinator Katie Bastian take a maternity leave, which was temporarily
filled by Leigh Swainson for a number of months and now by Sallyann Isaac for the remainder of the
term. Our Manager, Caroline, has been very busy and we are all very fortunate to work with her – she
has done a great job for IISA along with Carlie Noland in an Administrative Coordinator capacity!
We have many reasons to be proud of the accomplishments of Council this past term. I’ll reiterate a
sentiment I included last year - leadership comes in many styles and from many sources on Council.
Each of us has something valuable to offer, and I encourage you to become involved on Council if you
aren’t already.
Our success would not have been possible except for our local staff, the dedication, hard work and
enthusiasm of all Council members and course instructors, and the support of our employers. I
express my sincere thank you to all of them, and I’m looking forward to watching IISA move forward in
the coming term!
Kevin Callbeck BComm, FCIP
President - Insurance Institute of Southern Alberta
Page 3
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Academic Division Report
Mark Rouleau, VP Academic
Membership
As at March 31st, 2013 the IISA member roster totals just over 2,500 individuals.
As of
31Mar/13
As of
31Mar/12
As of
31Mar/11
Headcount - Paying
2450
2513
2354
Headcount – Free*
60
68
60
2510
2581
2414
Seminar Visitors**
74
43
65
Seminar Promos***
61
87
150
2645
2711
2629
Total Actual
Members
Total Possible
Members****
As of
31Mar/10
As of
31Mar/09
2522
2524
*Free memberships are offered to retirees and to students in full time educational programs such as UofC, MRU, BVC ** Seminar Visitors refers to individuals who attend a seminar but don’t have a membership. IISA continues to offer a three‐tiered pricing model on most seminars: Graduate, Member, Non‐Member *** Seminar Promos mean special pricing (ie everyone pays the same registration fee regardless of membership status) ‐ nb some individuals who received this pricing may actually have had a membership ****Total Possible Members is our potential membership number if we forced membership on all Seminar Attendees. Membership is also not required for Social events. While we had a satisfactory year in membership, we did see a decline year over year by about 70
members. CIP course registrations were down by approximately the same amount and this likely
translated into lower membership numbers.
A strategic membership market for IISA is the complimentary memberships for students attending full
time educational programs (UofC, MRU, BVC). Fewer than expected students took advantage of this
offer and this also impacted our overall membership numbers. There is an interesting difference in
student uptake on this offer: Bow Valley College’s C11 class had great uptake but Mount Royal
University students were very uninterested. We will be working on improving this student engagement
going forward including engaging UofC students.
On the positive side, IISA Graduate memberships (CIP/FCIP) increased by approximately 70 renewals
year over year and came in at 1290. Despite the fact that a Local and CIP Society membership is
needed to use the designation letters, there is a pool of Graduates with expired memberships. This
could be because they have left the industry or for other valid reasons, but in October 2012 IISA
undertook a project to get in touch with non-renewed Grads and brought in approximately 50 late
renewals.
Page 4
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Education
Number of Class Offerings & Students:
Spring ’12
Class Type
Fall ‘12
Winter ’13
TOTAL
#
Class
#
Students
#
Class
#
Students
#
Class
#
Students
#
Class
#
Students
Fast Track
3
34
3
55
4
53
10
142
InClass
2
12
2
27
2
19
6
58
Virtual Combo
1
13
1
28
1
21
3
62
Virtual
4
50
4
63
6
92
14
205
InHouse
1
12
4
52
3
32
8
96
Offsite
0
0
2
25
1
5
3
30
Out of Town
0
0
2
14
0
0
2
14
11
121
18
264
17
222
46
607
Totals
Definitions: FastTrack – 4 Saturday compressed format typically delivered the month before final exams InClass – located at IISA and only in‐person attendance offered Virtual – live sessions only delivered online (evening or Saturday morning) Virtual Combo – attendance can be in‐person or online or switch between the two InHouse – held at an employer’s location and only their employees can attend Offsite – held at a location other than IISA but open to registrants from any employer Yearly Semesterly Dispersion of Students:
07/08
08/09
09/10
10/11
11/12
Spring
132
125
135
149
157
Fall
232
244
278
250
268
Winter
183
280
228
245
283
Totals
547
649
641
644
708
12/13
121
264
222
607
As is evident from the charts above, IISA’s student registration for a solid grouping of years (08-11)
was a solid 650 students. In 11/12 registrations rose to 710. Based off of our expectations we raised
our budget for the 12/13 year up from the solid 650 area to 670. Unfortunately in 12/13 we fell short of
both coming in with 607 students.
Possible contributing factors to not achieving the CIP student registration target:
 Enrollment in feeder insurance programs/majors at local universities/colleges in insurance
programs has not been growing
 There has been little or no growth in staff numbers in the industry, yet retirements continue
 More existing CIP members have achieved their CIP/FCIP designations
Page 5
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Virtual Classes
IISA
has
enthusiastically
continued with virtual class
offerings. In total, 18 (40%) of
our 46 classes were virtual or
virtual combo. Approximately
280 (46%) of our 607 students
were registered for virtual or
virtual combo classes. (nb –
one InHouse class was
delivered via the web and is
included in these figures)
To continue to improve our
virtual class offerings, IISA
introduced the option to allow
students to speak to the Instructors using multi-way audio. We promoted the benefits of multiway
audio to the web students but we did not force them to purchase a required headset ($25-$40) but
instead “strongly encouraged” them so they could fully participate.



Students have been slow to embrace the multiway audio opportunity
o Many students did not purchase the needed equipment
o With a large percentage of students not having the equipment, the few that did became
discouraged with the lack of uptake of the multiway audio opportunity and the lack of
participation by their fellow students and therefore many of them abandoned it too
There was feedback from those who persisted in using the multiway opportunity that it was a
great feature
Instructors might benefit from additional technical training using the feature and additional
coaching to help better engage the students with the multiway audio opportunity
Regarding online midterms and ensuring the validity of the proctoring process, the IISA has
implemented verification processes above the minimum national standards suggested by the
Insurance Institute of Canada to verify the online midterm proctor process (the nationally suggested
standard is to audit 10% of the proctors).


IISA has committed to sending a follow up email to 100% of the proctors
IISA will ensure a minimum of 30% of the proctors are fully audited (i.e. we will persist until we
get a response from this group of proctors).
InHouse and Offsite Classes
IISA has continued to work with employers to offer InHouse or Offsite courses:
 Intact InHouse (5 classes)
 TD InHouse (2 classes)
 Rogers InHouse (1 class)
 Rogers Offsite (2 classes)
 Cooperators Offsite (2 classes)
 AMA Lethbridge Offsite (1 class)
 Mooney Insurance Red Deer Offsite (1 class)
Page 6
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Formats and Delivery Method – Introductions and Reviews
We have had success with introducing 12-week Saturday morning web classes. We have also piloted
an InHouse 3xweek lunch class at Rogers.
We have had a few classes with lower than desired registration numbers and, while it is always greatly
appreciated to have an employer offer their space (especially for an Offsite course), we will be
analyzing venues to see if some are simply not attractive to a large number of students. We will also
be trying to determine if the delivery format has an impact on the number of registrations (i.e. is web
preferable to in-person).
Exam Review Sessions
We have continued offering complimentary end-of-semester half-day final exam review sessions via
the web (on Saturdays). Typically we offer C12 and C13 as they are most often spoken of as our most
difficult courses. We have invited IINA to join our students in these sessions which not only benefits
more students but also helps spread the $500/session fee. Distance Learning students for IISA &
IINA are also invited. We receive very good feedback about these sessions – but students almost
unanimously think these sessions should continue to be offered free-of-charge. As such, at this time it
has become a no-charge part of our value proposition.
We also continue to offer a free “semesterly” generic Study Tips webinar.
Instructors
After taking part in the interview, the panel presentation process, and the audit semester, we had four
new Instructors begin teaching in the 12-13 year (Fannie Au, Justine Holthe, Shawn Fisher, Katherine
Rumford).
For Spring 2013 we have implemented a new tiered Instructor compensation plan. It is based on two
tiers: Novice Instructor (6 or less classes taught) and Established Instructor (more than 6 classes
taught). Going forward, it is IISA’s plan to introduce a third and final level: Master Instructor (more
than 6 classes taught and has taken the national Insurance Institute of Canada Instructor Certification
Program)
Two IISA Instructors have participated in the pilot offering of the Institute of Canada’s Instructor
Certification program: Leah Strader-Goled and Barb Exton.
The end of this section contains a listing of IISA’s active Instructor roster for the 2012-2013 teaching
year.
Distance Learning Statistics for IISA Territory - Approximation
(includes GIE and FCIP)*
Total Exam
Registrations
for SA
IISA local
classroom
registrations
% of
total
DL
registrations
in Southern
Alberta
% of
total
07/08
983
547
56%
457
46%
08/09
1403
650
46%
753
54%
09/10
1375
650
47%
725
53%
10/11
1267
644
51%
623
49%
11/12
1311
708
54%
603
46%
12/13
1007
607
60%
400
40%
Year
Page 7
*statistics were derived from an
Aptify list of all exams for SA for
each year and extrapolating that if
the exam registrants were not local,
then they were SA-DL – there is
room for error with rewrites, session
transfers, absents, and some other
anomalies
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
IISA Classroom Registrations
IISA Course Registration Comparison Year over Year C11 transfer credit C11 C12 C13 C14 C16 C110 C111 C112 C120 C121 C122 C130 C131 C132 C31 C32 C35 C36 C37 C38 C39 C40 C43 C45 C47 C48 C49 C66 C72 Year 07/08 Year 08/09 Year 09/10 Year 10/11 Year 11/12 Year 12/13 29 43 34 38 58 43 (552 (623 (481 (579 (907 (813 national) national) national) national)
national)
national)
152 60 56 61 39 46 0 0 42 0 0 29 0 0 0 0 0 17 0 0 34 0 0 0 0 0 0 0 11 547 Page 8
135 76 68 131 34 24 8 0 47 0 0 17 0 0 0 27 0 21 0 7 27 6 0 0 0 6 0 0 10 644 99 124 75 95 23 49 9 0 57 0 0 21 0 0 0 6 0 9 0 0 65 0 0 0 0 12 0 0 0 652 77 104 114 107 30 46 9 0 47 10 0 32 0 0 0 18 9 9 0 0 65 0 0 0 0 12 0 0 0 637 136 110 87 84 34 66 9 0 49 0 0 39 0 0 0 14 16 7 0 6 35 10 0 0 0 6 0 0 0 708 55 87 112 100 42 21 11 0 53 0 0 42 0 0 0 19 0 0 0 8 30 0 6 0 0 0 0 0 21 607 Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Active Instructors Spring 2012, Fall 2012, Winter 2013
The role of the Instructor can carry with it a significant amount of work – but also an extreme
satisfaction in knowing that your instruction has helped a student better understand the CIP material.
The Institute’s Instructors are instrumental to the success of the CIP program and their efforts,
dedication, and commitment to the development of the industry are priceless. We thank the following
Instructors for their time and dedication over the past year:
Barb Exton, FCIP
Becky Wagner, CIP
Brian Speirs, FCIP
David Stark, FCIP
Fannie Au, FCIP
George Cooper, CIP
Jim Johnson, FCIP
Justine Holthe, FCIP
Karen DeCarle, CIP
Katherine Rumford, FCIP
Leah Strader-Goled, FCIP
Len Cheryk, FCIP
Neil Nason, CIP
Rhawnie Tremblay , CIP
Ross Bucsis, FCIP
Shawn Fisher, FCIP
Thomas Ng, CIP
Exam Centres and Active Proctors - Spring 2012, Fall 2012, Winter 2013
The volunteer spirit of our industry is alive and well and the Institute depends on this to ensure the
national CIP and FCIP exams are carried out properly and with the highest level of integrity. We thank
the following volunteers for donating their valuable time during exam weeks:
A special thank you to the companies that generously donated office space to host CIP exam
sessions:
TMD Adjusters, Medicine Hat
AMA, Lethbridge
The Co-Operators, Red Deer
Roguski Metcalf Adjusters, Red Deer
Proctors and Exam Centre Supervisors:
Amanda Sanderson
Blaine Cust, CIP
Brian Wiebe, CIP
Charles Roberts, CIP
Darrell Verbonac, FCIP
Dave Latham, FCIP
David Harris, CIP
David Orr, FCIP
Debahootee Banerjee, CIP
Don Tetrault, CIP
Donald Routley, CIP
Douglas Thorne, CIP
Douglas Van Helden, CIP
Fannie Au, FCIP
Garry Watmough, FCIP
Germaine Mutter
Jacalyn Schwindt, CIP
Jacie Walliser, CIP
Janice Worobetz, CIP
Page 9
Jasmine MacLean, CIP
Jasmine Markandu, FCIP
Jeffrey Damberger, FCIP
Jennifer Plumb, CIP
Joan Jarocki, CIP
Jocelyn Vergara, CIP
Joel Perry, CIP
Karen DeCarle, CIP
Kenneth De Decker, CIP
Kevin Cornforth, CIP
Laurelle Rodych, FCIP
Lily Gordon, FCIP
Linda Webber, CIP
Lioba Allen, CIP
Lynette Tumburai, CIP
Marjorie Jeeves, CIP
Mark Petrowich, FCIP
Michelle Jensen, CIP
Nancy Toso, CIP
Nola Brewster
Pamela Lockett, CIP
Patricia Walker, FCIP
Rebecca Collins, CIP
Robin Mills, CIP
Robin Shatosky, CIP
Sacha Carey, CIP
Sandra Bitter, FCIP
Sandra Yahn, CIP
Sandy Gooden, CIP
Sara Schmidt, CIP
Scott Dale, CIP
Scott Stiles, FCIP
Sherry Belanger, FCIP
Starleen Mondey, FCIP
Susan Morgan, CIP
Tara Gilbart, CIP
Thomas Ng, CIP
Victor Canjar, FCIP
Wayne Duggan, CIP
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Career Connections
Feed the Minds of Youth
In support of the Learning Partnership’s Take Our
Kids to Work DayTM, on November 7, 2012, IISA
hosted Feed the Minds of Youth where nine Grade
9’s and their parents were treated to a pizza lunch
and interesting insurance career stories and
games. The guest speakers were Rhawnie
Tremblay, Associate-Commercial Insurance from
Rogers Insurance, Jason Costen, Special
Investigations Unit from Intact, and Linda Buckton,
Client Manager from BFL Canada Insurance.
Between the three speakers Grade 9’s learned about broker topics, claims topics, and James Bondlike SIU topics. The Penny Game also gave the students an interactive demonstration of the insurance
pool and why it is so important to purchase insurance.
FTMOY is a wonderful opportunity for employees in the insurance industry to introduce their children
to what their parents do at the office and is very positive community exposure for the Insurance
Institute.
Career Connections Ambassadors
Our industry is full of diverse and interesting career opportunities and the individuals below are
determined to deliver that message to high school students, post secondary students, and career
transitioners. Getting this message out to people is becoming of increasing importance in light of the
demographic challenges our industry will be facing in the coming years. Whether delivering the
message to young career seekers at career fairs or university or college fairs, or through making a
connection with a grade 10 student at a high school presentation, these individuals are truly
ambassadors for the whole p&c industry.
Thank you to the following Ambassadors:
Ambassador Anita Bailey Angela Braun Jason Costen Peter Fong Herman Gin Scott Robinson Scott Stiles Page 10
Events 1 1 1 1 1 1 1 Ambassador Andrea Zess Robin Mills Melanie Hansen Brad Verbridge Rhawnie Tremblay Helene Wood Events 1 1 2 2 3 3 Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Career Connections Activities
Career Connections Ambassadors in Southern Alberta attended career fairs, delivered high school
presentations, and also attended other community events focussing on education or careers in the
p&c industry.
Career Connections is challenged in the Alberta area in booking high school presentations and it is the
hope that IISA can help better engage high school teachers.
Date
Event Name
Audience
City
Ambassadors
13-Apr-12
Dr.E.P Scarlett High School-Career Fair
Secondary
Calgary
Brad Verbridge
Andrea Zess
26-Apr-12
Jack James Career/Resource Fair
Exhibitor
Secondary
Calgary
Balu Naidu
Scott Stiles
24-May-12
Banff CHS presentation CALM class
Secondary
Banff
3-Oct-12
University of Lethbridge Career Fair
Post
Secondary
Lethbridge
7-Nov-12
FTMOY 2012- IISA
Secondary
Calgary
Jason Costen
Rhawnie Tremblay
Linda Buckton
Arlene Brown
Caroline Logan
Robin Mills
Daniel Chrapko
Kim Wise
14-Nov-12
SAIT Career Directions 2012
Post
Secondary
Calgary
Rhawnie Tremblay
Peter Fong
Helen Wood
Anita Bailey
Angela Braun
Hermin Gin
21-Nov-12
Lethbridge College Career Conference
Post
Secondary
Lethbridge
Daniel Chrapko
Jennifer Kleinloog
22-Nov-12
UofC - RMIN Speed Networking Session
Post
Secondary
Calgary
Trevor Buttrum
22-Nov-12
UofC - RMIN Fair
Post
Secondary
Calgary
Caroline Logan
Helen Wood
Trevor Buttrum
17-Jan-13
Edison School
Secondary
Okotoks
Scott Robinson
UofC Carreer & Job Expo 2013
Post
Secondary
Calgary
Rhawnie Tremblay
Melanie Hansen
Helen Wood
Brad Verbridge
5-Feb-13
Page 11
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Professional Division Report
Nathalie Wright - VP Professional
Seminars (SEP & CIP) Committee
Summary – All Seminars
Apr09‐Mar10 Apr10‐Mar11 Apr11‐Mar12 SEP Seminars # sessions Apr11‐Mar13 CIP Society Seminars # attendees # sessions # attendees Partnered Sessions* # sessions # attendees 16 24 19 435 484 391 4
3
2
81
61
71
0
1
4
0 15 48 23 558 2
74
1
12 *partnered sessions include sessions in partnership with the national Institute (ie Karen Bergin Management
development sessions, etc.)
Supplementary Educational Program (SEP Seminars):
Where
CE
hours
No
Charge
Grads
Members
Seminar
Visitors
Special
Pricing
Total
Why 'Oops' Won't Cut It - E&O
Workshop
Cal
4.00
0
16
9
2
0
27
Rewards & Pitfalls of Industry
Cal
3.50
0
10
3
1
0
14
Cal
7.50
0
15
5
1
0
21
Web
0.75
0
0
0
0
51
51
5 May15 Intro to Business Insurance
Cal
3.00
0
11
9
2
0
22
6 May31 Study Tips
Web
10
0
0
0
0
10
7
Cal
3.50
0
17
16
6
0
39
Cal
3.00
0
7
17
15
0
39
Web
3.00
0
0
0
0
10
10
13.50
0
11
8
3
0
22
21
0
0
0
0
21
#
Seminar
Date
1
Apr11
2
3
Apr12
4
Apr26
Jun14
Seminar Name
Positive Outcomes - Managing
Conflict
2012 Amendments to Insurance
Act
Intro to Condo Insurance
8 Sep25 Intro Comm Auto - Webinar
9 Sep27
Intro Comm Auto - Toole Peet
offsite
10
Oct
Enform - Oil & Gas
11&12
Cal
11
Oct15
Study Tips
Web
D&O Liability - A Technical
Overview
Cal
3.00
0
23
18
7
0
48
Information is Power - U/W needs
Cal
3.00
0
9
14
2
0
25
RedDeer
3.50
0
4
3
11
0
18
Cal
3.00
0
7
7
1
0
15
23
0
0
0
0
23
0
18
12
3
0
33
0
2
14
0
0
16
12
Oct16
13
14 Dec19 Intro to Condo Insurance
15
Feb6
Time Mastery
16 Feb11 Study Tips
Web
17 Feb13 Building Envelope
Cal
1.50
18
Water Mitigation and Control
Cal
3.00
Flood n’ Learn with Steamatic
Cal
2.00
Feb20
19
Page 12
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
20 Mar12 Intro to Condo Insurance
Leth
3.00
0
13
7
6
0
26
21 Mar13 Intro to Condo Insurance
Hat
3.00
0
5
6
7
0
18
22 Mar19 Constructions Surety & Bonding
Cal
3.00
0
12
13
0
0
25
23 Mar19 Insurance for Construction
Cal
3.00
0
17
15
3
0
35
72.75
54
197
176
70
61
558
Totals SEP
Budget
23
414
The seminar offerings were well received by our members as indicated by the number of attendees
and event feedback. A number of exceptional industry and industry related professionals graciously
presented their expertise for a modest honorarium and IISA is very thankful for their generosity.
IISA successfully delivered our budgeted number of 23 seminars. We have continued to offer
seminars in Red Deer and Lethbridge. Of special note is a successful offering in Medicine Hat – the
first successful session in that city in years.
The chart above illustrates the impact of the “Seminar Visitor” on membership numbers as well as the
seminar revenue line. The seminar revenue line will be impacted positively as the Seminar Visitor
price is typically $40 higher than the Member price, while the membership revenue line will be
impacted negatively by $65 (price of a membership). Council reviews this each year and, with 70
people taking advantage of the “Seminar Visitor” pricing it appears that it is a desirable offering to the
industry.
Because of the value we place on assisting our students in their studying for the final exams, “No
charge” seminars are almost exclusively Study Tips sessions.
CIP Society Seminars:
CE
No
hours Charge
Grads
Members
Seminar
Visitors
Special
Pricing
Total
0
33
9
4
0
45
3.00
0
0
0
0
29
29
6.00
0
33
9
4
0
74
Seminar
Date
Seminar Name
Where
1
May1
11/'12 P&C Coverage Decisions
Web
3.00
2
Mar7
Demographics
Cal
Totals CIP Society
Budget
3
43
CIP Society seminars were successful but we did miss our target of 3 for the year.
Page 13
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Special Events & Communications Committee
35th Annual Convocation and Awards Ceremony
Mimosa Reception and Industry Trade Show
GIE
CIP
FCIP
Total
Grads
Grads who
attended
Grads who
attended as % of
total grads
Total
Attendees
Guests
Ratio
Guests:Grads
November 2008
5
76
22
103
80
78%
335
255
3.2 : 1
November 2009
4
58
18
80
60
75%
230
170
2.8 : 1
November 2010
2
64
18
84
61
73%
265
204
3.4 : 1
November 2011
2
52
19
73
53
73%
237
184
3.5 : 1
November 2012
3
64
20
87
64
73.6%
290
226
3.5 : 1
Convocation 2012 was a lovely event as usual and the Mimosa
Reception and Industry Trade Show was well received. The
jazz trio was, once again, exceptional and added greatly to the
classy atmosphere of the event.
Our Keynote Speaker was Jan M. Brownridge B.A. Hons., FCIP,
CRM, Vice President Property Department, Regional Manager,
Vancouver, Munich RE. For the remainder of the formal portion
of the event, Kevin Callbeck, President of the IISA, was the
Master of Ceremonies and Maurice Tulloch, BA (Econ), MBA,
CMA, Chair of the Board of Governors of the Insurance Institute of Canada presented.
Intact Insurance and The Co-operators once again graciously sponsored the Graduate photos and the
event programs, respectively, and Aviva sponsored the Jazz Trio. As well, we hosted an Industry
Trade Show in which Career Connections, Desjardins General Insurance Group, Wawanesa
Insurance, RSA, Mount Royal University, Rogers Insurance, ServiceMaster of Calgary, Cira Medical
Services, WICC, The Network Corporate Search Personnel, Intact Insurance, and MKA Canada all
took booths to honour and show their support for this year’s Graduates.
A noteworthy event at this year’s ceremony, Leah Strader-Goled,
FCIP, CRM, long time IISA Council volunteer and Instructor, was
presented with the Award of Merit. This award is presented to a
volunteer whose has demonstrated extraordinary support and
dedication to the Insurance Institute and it is the most prestigious
non-academic award conferred by the Board of Governors of the
Insurance Institute of Canada. Leah was presented the award by
Peter Hohman, MBA, FCIP, ICD.D, President & CEO of the
Insurance Institute of Canada.
National Education Week:
National Education Week saw the Institute visiting Rogers Insurance and Toole Peet Insurance to
promote the full gambit of IISA offerings. We also did a weeklong Trivia Contest that had about 450
entries and two Kobo eReaders as the prizes. A webinar was also held for Graduates interested in
becoming CIP instructors.
Page 14
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
CIP Society Networking & Social Events:
On December 5, 2012, the Institute hosted a group of 70 people for the Barenaked Ladies and
Calgary Philharmonic Orchestra concert at the Jack Singer Auditorium. The pre-concert reception
was held at Teatro and was generously sponsored by Intact Insurance and Alberta Fire and Flood.
On December 20, 2012, the Institute hosted a seasonal group event, Tidings, at New West Theatre in
Lethbridge. The first event in several years for Lethbridge, we were thrilled to have 30 people attend.
The pre-event reception was fully sponsored by AMA Insurance.
Local Topics
Women in Insurance Cancer Crusade
IISA was honored to have been awarded the Golden Flame Award by WICC for our ongoing support
of their worthy cause.
Institute Staffing
In June 2012 Katie Bastian left IISA for maternity leave. Leigh Swainson was recruited to fill the role
but was unable to complete the term and left us approximately mid-way through Katie’s maternity
leave. At that point, Sallyann Isaac was recruited to fill the remainder of Katie’s leave. Carlie Noland
continues in her Administrative Coordinator role for three Institutes – three days a week for IISA and
one day a week for each of IISK and IIMB.
Understanding Serious Injury
IINA and IISA were presented with Ontario’s Understanding Serious Injury multi-day training session
with the contemplation that it could be a very valuable program to deliver in Alberta. IINA and IISA
have secured Council volunteers with a bodily injury background to review the material and to make
any recommendations as to changes that need to be made to “Alberta-ize” the sessions. We are
contemplating a Fall release of the program.
General Licensing Activity
The Alberta Insurance Council has introduced significant changes to the General licensing structure.
Of particular note is that the AIC has introduced a General Level 2 licensing exam. IISA, IINA, and the
Insurance Institute of Canada have been preparing a new General Level 2 Licensing Kit to assist
those studying for the new exam. A robust package of material due out in June 2013, the package will
consist of two CIP textbooks (C130 and C131), the already created Alberta Auto and A&S and Travel
Health supplements, and a new Level 2 supplement and online exam valid for 28 CE hours.
Mount Royal University
Through the BBA program (insurance minor), C11 classes appear to be relatively stable but additional
courses struggle for satisfactory registration numbers and some have been cancelled. Of those
students who take CIP courses though MRU, it is of concern that very few take advantage of
registering for the Institute’s CIP final exam in order to simultaneously get a credit towards their CIP.
Of the three CIP classes that ran at MRU in this past period (estimate 40 students), only four students
wrote the Institute CIP final exam.
Bow Valley College
BVC has continued to offer C11 in its Fall semester as part of its 2 year diploma program. Taught by
a shared Instructor, Thomas Ng, the BVC students are extremely engaged and of the approximate 10
students in the C11 course, 8 wrote the Institute final exam.
Page 15
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
University of Calgary
For a number of years, students who met certain criteria and who graduated from the RMIN program
at UofC were eligible for a number of exceptions towards CIP credits. This did not hold true for
Graduates of the RMIF program who, in many cases, take a very similar classload. IISA has brought
this to the attention of the Insurance Institute of Canada and we hope to have a favourable resolution
soon.
Graduates & Award Winners of the Institute - November 2012
General Insurance Essentials
Leanne Repka – Wawanesa Mutual Insurance
Nadia Boev – RSA
Carey-Ann Zimmer – Mathisons Cleaning Supply
Chartered Insurance Professionals
Bonnie Abrams
Joseph Adeboye
Katie Bastian
Caitlin Bida
TD Insurance
Wawanesa Mutual Insurance
Insurance Institute
Toole Peet Insurance
Kenda Brown
Leslie Bisda
Pamela Boltz
Mardy Bowes
Desjardins General Insurance
Wawanesa Mutual Insurance
TD Insurance
The Co-operators
Robert Campeau
Andy Chang
Rui Ju (Lisa) Chen
Vicki Cooper
Samantha Donovan-Bonnay
Grace Emblem
Bow Valley Insurance
Rogers Insurance
Roger Cross
Jasmine Dallamore
C & S Adjusters
Charles Taylor Adjusting
Roguski Metcalf & Co. Adjusters
AMA Insurance
Mooney Insurance
Mark Fernandez
Brian Galenkamp
Joan Giguere
Shaun Gilhooly
Allstate Insurance
Wawanesa Mutual Insurance
McFarlane Agencies
Intact Insurance
Sandy Gooden
Tony Gooden
Sarah Greenwood
Brian Jardine
TMD Insurance Adjusters
TMD Insurance Adjusters
BKI Risk Management
Renfrew Insurance
Erin Jardine
Ilona Jung
Gerald Kim
Sherri-Lynne Kirton
Economical Insurance
RSA
The Co-operators - Skogen
Deloitte & Touche
Trina Kurtos
Diane Lacey
David Lai
Kishor Lalwani
AMA Insurance
The Co-operators
Intact Insurance
Lundgren & Young Insurance
Jana Lee
Dori Lee
Mou (Sophie) Lei
Michelle Lutz
Catlin Canada
Wawanesa Mutual Insurance
AON Reed Stenhouse
Reliance Insurance
Duncan MacFarlane
Laura Maloney
Stephen Maloney
Charles Okodua
TD Insurance
Economical Insurance
Wawanesa Mutual Insurance
Western Financial Group
Reginald Osmond
Marg Ouimet
Dean Pitton
William Pyne
AMA Insurance
ING & McKee Insurance
Jennifer Randell
Melanie Roeben
Valarie Rollinson
Murray Schmid
The Co-operators
AMA Insurance
Toole Peet Insurance
RSA
Philip Schuman
Meryl Smith
Alex Stewart
Helmut Streblow
AMA Insurance
Renfrew Insurance
Intact Insurance
TD Insurance
Husky Oil Operations
Joan Suthern
Asha Thomas
Melissa Trevenen
Christopher Trollope
The Co-operators
RSA
Sovereign General Insurance
Talnac Group of Adjusters
Lynette Tumburai
Jocelyn Vergara
Lisa Vienneau
Jacob Wagner
AMA Insurance
Intact Insurance
Intact Insurance
Catlin Canada
April Warner
Philip Wong
Andrew Yang
ZhiYi (Jenny) Zhang - Honours
Charles Taylor Adjusting
Federated Insurance
Aviva Canada
Palliser Insurance
Page 16
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Fellow Chartered Insurance Professionals
Ashok Banerjee
Elena Barbuta - Honours
Sandra Bitter
Vaswati Chowdhury
Risk Management Major
AMA Insurance
Risk Management Major
Intact Insurance
Management Major
AMA Insurance
Risk Management Major
Zurich Canada
Kathryn Goss
Brenda Haddow
Janine Heiderich
Helene Klassen
Risk Management Major
Intact Insurance
Management Major
State Farm Insurance
Management Major
AMA Insurance
Risk Management Major
Rogers Insurance
Hugh Kocsis - Honours
Carol Lebrun
Jasmine Markandu - Honours
Dustin Nakonechny
Risk Management Major
The Co-operators
Claims Major
Rogers Insurance
Risk Management Major
Ecclesiastical Insurance
Risk Management Major
Alpine Insurance & Financial
Nomathemba Ngwenya
Shawn Oatway
Michael Robichaud
Patricia Rose
Claims Major
Travelers Canada
Risk Management Major
AON Reed Stenhouse
Risk Management Major
RSA
Underwriting Major
Intact Insurance
Ashley Schwab
Tannis Stevens
Kristin Volsky
Ashley Winter
Management Major
Intact Insurance
Risk Management Major
Desjardins General Insurance
Claims Major
Direct Line Claims Group
Risk Management Major
Intact Insurance
National Awards
The Risk and Insurance Management Society Canada Award (FCIP)
Top Graduate – Risk Management Major
Hugh Kocsis – The Co-operators
Local Awards
Toole Peet Award (GIE)
C.J. Campbell Memorial Award (CIP)
To the most deserving student upon completion
of both parts of the General Insurance Essentials
To the most deserving student upon completion
of a minimum of three CIP courses in their first year
Leanne Repka – Wawanesa Mutual Insurance
Bailee Erickson – Intact Insurance
Blue Goose Award (CIP)
Kendra Monck Memorial Award (CIP)
To the most deserving graduate upon completion
of the Chartered Insurance Professional Program
with a minimum of three courses in the last year
To the most deserving graduate upon completion
of the Chartered Insurance Professional Program
With the highest mark in C13–Insurance Against Liability
Michelle Lutz – Reliance Insurance
Sandy Gooden – TMD Insurance Adjusters
AAIA E. Layton Memorial Award (CIP)
Robyn Shyback Memorial Award (CIP)
To the most deserving graduate upon completion
of the Chartered Insurance Professional Program
with C110, C111, and C32
To the most deserving graduate in the Central Alberta region
upon completion of the
Chartered Insurance Professional Program
Tony Gooden – TMD Insurance Adjusters
Grace Emblem – Mooney Insurance
Peter Rogers Award (CIP)
The Co-operators Award (CIP)
To the most deserving graduate upon completion
of the Chartered Insurance Professional Program
and employed in a broker/agent role
To the most deserving graduate upon completion
of the Chartered Insurance Professional Program
and employed in an underwriting role
ZhiYi (Jenny) Zhang) – Palliser Insurance
Jacob Wagner – Catlin Canada
AMA Insurance Company Award (CIP)
W.L. Dickson Memorial Award (FCIP)
To the most deserving graduate upon completion
of the Chartered Insurance Professional Program
and employed in a claims role
To the most deserving graduate upon completion
of the Fellow Chartered Insurance Professional Program
with the Management Major
Tony Gooden – TMD Insurance Adjusters
Brenda Haddow – State Farm Insurance
Doug Hughesman Memorial Award (FCIP)
SARIMS Awards (FCIP)
To the most deserving graduate upon completion
of the Fellow Chartered Insurance Professional Program
with any Major
To the most deserving graduate upon completion
of the Fellow Chartered Insurance Professional Program
with the Risk Management Major
Hugh Kocsis – The Co-operators
Hugh Kocsis – The Co-operators
CIAA Award (FCIP)
The Aviva Award (FCIP)
To the most deserving graduate upon completion of the Fellow
Chartered Insurance Professional Program
with the Claims Major
To the most deserving graduate upon completion of the Fellow
Chartered Insurance Professional Program
with the Underwriting Major
Kristin Volsky – Direct Line Claims Group
Patricia Rose – Intact Insurance
Jack Edelson Advanced Studies Award - Top FCIP with Continuing Education Certificate – no Candidates
Page 17
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Minutes from the AGM 11/12
Page 18
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Page 19
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Page 20
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Notice of AGM 12/13 - transmitted by email May 22, 2013
Thank you for your continued support of your local Institute. Each year we call upon the Institute’s members to
take part in the Annual General Meeting.
Just four weeks away, take this opportunity to broaden your understanding of your association and play a role in
nominating your local Council members.
Date
Friday - June 21, 2013
Time
7:30am – 9:00am
Insurance Institute of Southern Alberta
1110 - 833 4th Avenue SW
Calgary, Alberta
Location
Phone access is available if requested
2013
IISA
Annual General Meeting
Free street parking until 9:00am
RSVP
[email protected]
To: All Members in good standing of the Insurance Institute of Southern Alberta
The Annual General Meeting of the Insurance Institute of Southern Alberta (the Institute) will be held on Friday
June 21, 2013 at 7:30 am.
The Agenda of the meeting is as follows:
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
Reading of the Notice of the Annual Meeting & Proof of Service
Report on Quorum
Reading of the Minutes of Previous Meeting
President’s Report
Committee Reports
Presentation of Financial Statements & Auditor’s Report
Special Resolutions
Approval of Acts of Directors & Officers
Election of Directors & Officers
Appointment of Auditor
Banking Resolution
Appeals
Other Business – Unfinished or New
Adjournment
Nominations for Council positions should be forwarded to Caroline Logan, Manager, at
[email protected] to then be forwarded to the Past President, Clyde Nobbee, Chair of the
Nominations Committee. Questions may also be directed to Caroline Logan at 403-266-3427. Nominations will
be accepted up to Thursday June 13, 2013.
In accordance with the Institute Bylaws, no business shall be considered at the meeting except that which is
specified on the Agenda. Therefore, any Member desiring to place a matter on the Agenda for consideration
shall furnish in writing to the Manager of the Institute the full particulars of the matter or matters to be added to
the agenda at least 15 days prior to the Annual General Meeting.
Please RSVP if it is your intention to attend this Meeting of the Institute.
Page 21
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Presidents of the IISA
The Insurance Institute of Southern Alberta
2012 – 2013
2011 – 2012
2010 – 2011
2009 – 2010
2008 – 2009
2007 – 2008
2006 – 2007
2005 – 2006
2004 – 2005
2003 – 2004
2002 – 2003
2001 – 2002
2000 – 2001
1999 – 2000
1998 – 1999
1997 – 1998
1996 – 1997
1995 – 1996
1994 – 1995
1993 – 1994
1992 – 1993
1991 – 1992
1990 – 1991
1989 – 1990
1988 – 1989
1987 – 1988
1985 – 1986
1984 – 1985
1983 – 1984
1982 – 1983
1981 – 1982
1980 – 1981
1979 – 1980
1978 – 1979
Kevin Callbeck, BComm, FCIP
Kevin Callbeck, BComm, FCIP
Clyde Nobbee, PEng, FCIP, CRM
Clyde Nobbee, PEng, FCIP, CRM
Leah-Strader Goled, FCIP
Leah-Strader Goled, FCIP
Leah-Strader Goled, FCIP
Heather Woodward, FCIP, CRM
Louise Bevan Stewart, AIM, CHRP, AAM
Louise Bevan Stewart, AIM, CHRP, AAM
G. Meyer, FCIP, CCIB
G. Meyer, FCIP, CCIB
K. Stott, BComm, CIP
G. Payson, CIP
R. Tretiak, AIIC
R. Burns, FIIC
J. Tatebe, FIIC
J. Andrus, AIIC
A. Duke, FIIC
S. Mostowy, FIIC, CAIB
B. Moran, AIIC, CLA
G. Bannerman, AIIC
A. Parkinson, FIIC
J. C. Rogers, FIIC
C.R. Little, AIIC
J.B. Brouwer, FIIC, CPIW, CEB
F.A. Lang, AIIC, CPIW
M.D. MacNeill, FIIC
P.E. Hood Kadey, FIIC
P.E. McLintock, FIIC
W.J. Love, FIIC
J.J.C. Dicey, CLU, FIIC
E.J. Kattler, FIIC
D.M. Campbell
The Insurance Institute of Alberta
1977 – 1978
1976 – 1977
1975 – 1976
1974 – 1975
1973 – 1974
1972 – 1973
1971 – 1972
1970 – 1971
1969 – 1970
1968 – 1969
1967 – 1968
1966 – 1967
1965 – 1966
1964 – 1965
1963 – 1964
1962 – 1963
1961 – 1962
Page 22
R.E. Farries (Calgary)
G.L. Elgood, AIIC (Edmonton)
J.E. McNaul, FIIC (Calgary)
A.A. Lamoureaux, FIIC (Edmonton)
T.E. Ward, AIIC, (Calgary)
S.A. Scudder, FIIC (Edmonton)
J.F. Garner, FIIC (Calgary)
D.L. Shaw, AIIC (Edmonton)
H.J. Busby, AIIC (Calgary)
T.E. Newitt (Edmonton)
T.K. Young (Calgary)
F.J. King, AIIC (Edmonton)
T.R. Egggertson, FIIC (Calgary)
F. Payne, FIIC (Edmonton)
R.J.B. Garland (Calgary)
H.G. Sharp, AIIC (Edmonton)
C. Ross Campbell, FIIC (Calgary)
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
The Insurance Institute of Alberta (Calgary Chapter)
1977 – 1978
1976 – 1977
1975 – 1976
1974 – 1975
1973 – 1974
1972 – 1973
1971 – 1972
1970 – 1971
1969 – 1970
1968 – 1969
1967 – 1968
1966 – 1967
1965 – 1966
1964 – 1965
1963 – 1964
1962 – 1963
1961 – 1962
1960 – 1961
1959 – 1960
1958 – 1959
1957 – 1958
1956 – 1957
1955 – 1956
1954 – 1955
1953 – 1954
D.M. Campbell, FIIC
J. Simonot, FIIC
R. Leah, FIIC
P. Jones, FIIC
J.P.C. Klemp, FIIC
C.G. Dobson, FIIC
J.E. McNaul, FIIC
R.E. Farries
T.E. Ward, AIIC
W.L. Dickson, FIIC
J.J. Owen
J.F. Garner, FIIC
J.A. Wymes, AIIC
H.J. Husby, AIIC
T.K. Young
T.R. Eggertson, FIIC
R.J.B. Garland
R.B. Bannerman, FIIC
F.J. Sherlock
F.L.G. Bermingham, AIIC
C.R. Campbell, FIIC
C.G. Grosland, FIIC
J.M. Dowler, FIIC
J.D. Mason, FIIC
J.A.W. Blake, FIIC
Honorary Life & Senior Sustaining Members
Honorary Life Members of the former Insurance Institute of Alberta, and effective June 1979, The
Insurance Institute of Southern Alberta
Bartman, P.H.
Love, W.J.
Busby, H.J.
Mackid, B.
Butler, E.M.
Mason, John D.
Campbell, D.M.
McIvor, G.C.
Dicey, J.J.C.
McNaul, J.E.
Eggertson, T.R.
Molloy, P.M.
Farries, R.E.
Simonot, J.L.
Garland, R.J.
Thompson, Thomas
Garner, J.F.
Ward, T.E.
Haughey, T.D.
Youle, John
Kattler, E.J.
Young, T.K.
King, F.J.
Senior Sustaining Members
R.E. Abernethy, FIIC
R.B. Bannerman, FIIC
R.M. Bermingham, FIIC
J.D. Clay, FIIC
T. Hull, AIIC
A.E. Legge
B. Burtwell, AIIC
R. Ries, AIIC
Page 23
W.H. Lefevre, FIIC
T.W. Meagher, FIIC
R.K. Morgan, FIIC
J.A. Rettie, FIIC
A. Holbrook, AIIC
A.L. Strachan, AIIC
A. Hague, FIIC
M. Wedekind, FCIP, BA, LLB
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Audited Financials 12/13
Page 24
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Page 25
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Page 26
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Page 27
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Page 28
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Page 29
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Page 30
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Page 31
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Page 32
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Page 33
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013
Page 34
Insurance Institute of Southern Alberta
Annual Report - Fiscal Year April 2012 to March 2013