Certified Insurance Counselors (CIC) are recognized for their expertise and commitment to the industry.
The Certified Insurance Counselor program is nationally recognized and highly respected insurance professional designation for agency owners, producers, agents, CSR’s, brokers, and insurance company personnel.
This designation is recommended for:
- Licensed agents, brokers, and adjusters
- Insurance professionals with at least two years of full-time insurance or risk management experience
- Full-time insurance faculty members who have taught for at least two years at an accredited college or university
Earning the Designation
These are the times clients and colleagues need you the most.
The CIC program is continuously reviewed, updated, and expanded to fit your professional needs. The enhanced online curriculum examines topics important to your success, including insurance exposures, exclusions, and coverages.
Learn the fundamentals of strategic planning within an agency and learn what actions are needed to achieve growth.
In the CIC A relationship, express or implied, wherein one party (principal) delegates authority to another person (agent or proxy) to undertake certain activities for the principal. The agent’s limit of authority and discretionary power depends upon the agreement between the parties. https://youtu.be/s_hHkK95lbA More Management course, you will learn how to apply the management theories, methods, and procedures necessary to operate a successful insurance agency. Leave the class prepared to implement strategies designed to increase agency profitability.
Updated and revised 2-day course.
Strategic The process a risk manager takes to predetermine a course of action; an element of the managerial process. More (4 hours)
What does it take to have a thriving agency? The answer is strategic planning, actions aimed toward agency profitability. Learn about change-management processes, establishing actionable goals, identifying appropriate insurance markets, and conducting essential analyses. Use tools that measure an agency’s financial health, including examinations of cash flow, budgets, income statements, and balance sheets — all of which provide the insight required for making effective strategic decisions.
Agency Talent Management (4 hours)
Acquire the tools necessary to build and manage today’s diverse workforce. Learn how to recruit, hire, and manage personnel who reflect an agency’s culture and allow for a more productive and satisfying work environment. Learn how to hire for success, including how to write position descriptions, conduct interviews, train new employees, evaluate performance, and manage separations.
Managing Agency Client 1) Internal funds used to pay losses; 2) budgeted losses plus the “tolerance corridor.” See Tolerance corridor; 3) assumption of risk of loss as through the use of non-insurance, self- insurance, or deductibles. This retention can be intentional (active retention) or, when exposures are not identified, unintentional (passive retention). 4) In reinsurance, the net amount of risk the ceding company More and One organization takes over another organization and is established as the new owner with the ownership interests continuing unchanged. More (2 hours)
Acquire and keep new clients and learn how to meet their expectations. The information provided in this section will teach you how value, vision, and mission statements shape your agency’s brand and help you capture and keep clients. Learn how to market for success and maintain fruitful client relationships. Discover how to determine the profitability of an account.
Managing Agency Technology Utilization (3 hours)
Learn how to evaluate existing technologies to determine how to effectively engage with clients and insurance companies. This section will help you learn how to select and implement the tools and technology that support your agency’s workflows, standards, and procedures — the foundations for profitable growth.
Pertaining to standards of right conduct or practice arising out of ethics. See Business ethics. More Responsibility (3 hours)
Learn the relevance of professional ethics in the workplace and the legal duties an ethical agent, agency, and insurance company are responsible for. Understand how unfair trade practices influence ethical behavior, and how missteps can lead to Errors and Omissions. This section will provide you with the foundations of ethical behavior, steps in ethical decision-making, and the process of establishing a Code of Moral principles of a group or individual as developed over time and with life experiences. More.
Become familiar with current, practical policy knowledge and learn how to apply the limits of insurance and recommend appropriate endorsements.
In the CIC Commercial Casualty course, you will gain a detailed understanding of the coverage, limitations, and exclusions of the Commercial General Legal responsibility or fault. More (CGL) Policy, the Includes trade, profession, or occupation. More A land motor vehicle, trailer, or semi-trailer designed for use on public roads, but does not include “mobile equipment.” More Policy (BAP), and the Workers’ Compensation and Employers’ Liability Insurance Policy (WC & EL Policy).
Updated and revised 2-day course.
Commercial General Liability (CGL) Concepts and Coverage (6 hours)
What is covered in an ISO CGL policy, and what isn’t? Become familiar with policy inclusions and exclusions. Learn how the Limits of Insurance apply and how a CGL Policy can be modified to better protect your client’s business.
Additional Person(s) protected under an insurance contract. Concepts and Endorsements (2 hours)
Understand how to comply with the various insurance requirements commonly found in contracts. Learn about waivers of subrogation, additional insured status, and primary/contributory insurance. Examine the purposes, coverages, and limitations of additional insured endorsements.
Business Automobile Coverages and Endorsements (5 hours)
Learn how to analyze the Business Auto Coverage Form and how symbols are used to designate coverage. Understand who qualifies as an insured and how to modify the BAP to better protect other persons and/or organizations. Learn what exclusions apply and endorsements that can be used to modify a BAP to better protect your client’s business.
Workers Compensation and Employer’s Liability (3 hours)
Explore important legal concepts that contributed to the establishment of the workers compensation system. Understand how coverage for Workers Compensation and Employers Liability Insurance is activated and how it applies in response to a work-related injury or occupational disease. Learn what endorsements can be used to modify the policy to offer broader protection.
Learn how to help commercial clients navigate critical issues, such as cyberthreats and crime from both property and casualty perspectives.
In the CIC Commercial Multiline course, learn how to identify Commercial Inland Marine, Crime, Cyber and Employment Practices exposures. The course will also help you learn about the types of coverage available to address these exposures as you develop insurance programs for your clients.
Updated and revised 2-day course.
Commercial Inland Marine Concepts & Coverages (6 hours)
Understand the benefits of Person or organization that has possession of the property of others, usually for storage, repair, or servicing. A dry cleaning operation is a common example of a bailee. More coverage, what Builder’s Uncertainty that may be either positive or negative arising from a given set of circumstances. Common definitions also include: 1) chance or probability of loss, 2) uncertainty concerning loss, 3) possibility of a variation of outcomes from a given set of circumstances, and 4) difference between expected losses and actual losses. More insurance covers, and when an Installation Floater is necessary. You will discuss policies, such as Contractor’s Equipment and Transportation Insurance and identify endorsements such as the Builders Risk Policy “Soft Costs” endorsement that can enhance a client’s coverage.
Employment Practices Legal responsibility or fault. More Insurance (2 hours)
Learn how to provide your clients with coverage from liability exposures that come with daily employment practices. The information provided in this section will help you understand the major policy provisions found in employment practices liability policies.
Crime Coverages & Endorsements (3 hours)
Learn to advise your commercial clients about their crime coverage needs and how best to meet them. This section includes information about the seven insuring agreements within the ISO Commercial Crime policy, so you can discover how these insuring agreements, especially the A person in the service of another under a contract of hire, who acts under the direction and control of the person who hired him/her. More Any act of stealing. More insuring agreement, provide the necessary coverage to meet your clients’ needs. You will also learn to distinguish between loss-sustained and discovery forms and examine selected endorsements which enhance coverage.
Cyber Exposures and Coverage (3 hours)
Learn to identify first and third-party cyber-related exposures and the subsequent need for Cyber insurance coverage. Address commonly available insuring agreements that fit the needs of your clients, including analysis of common policy provisions.
Excess Liability and Commercial Umbrella Coverages (2 hours)
Distinguish between Excess Liability Policies and Commercial Umbrella Policies and learn how to describe the purposes of those policies to your clients. Address key features of the Declarations, including self-insured retention and underlying insurance requirements. Analyze how provisions in the policies, including definitions and exclusions, can differ.
Learn the latest trends in commercial property insurance and innovative ways to maximize coverages with up-to-the-minute forms.
In the CIC Commercial Property course, you will gain a detailed understanding of Commercial Property coverages and endorsements and learn how to maximize coverage and protect your property accounts.
Updated and revised 2-day course.
Commercial Property Coverage Forms & Endorsements (8 hours)
Learn how to explain major elements of the Building and All tangible property not classified as real property. See Real property. More Coverage Form to your clients. Discuss these elements, as well as different valuation methods, the application of coinsurance, and various methods used to insure fluctuating property values. Analyze policy provisions including Covered Property, Additional Coverages, Coverage Extensions, and Optional Coverages. Review important Commercial Property endorsements and how they are used to fill specific policyholder needs.
Commercial Property Causes of A reduction in value. More & Endorsements (3 hours)
Understand and explain the coverages, exclusions, and limitations of the Causes of Loss – Special Form (CP 10 30) to your clients. Examine those elements and the coverage provided when the form is combined with the Building and Personal Property Coverage Form to provide coverage under a Commercial Property Policy. Analyze selected endorsements used to fill specific policyholder needs.
Time Element Coverages & Endorsements (5 hours)
Support your clients as they face significant Includes trade, profession, or occupation. More Income and Extra Expense exposures. Learn methods for providing your clients with appropriate insurance protection. Analyze various Time Element Coverage Forms including a coinsurance approach, as well as the use of Optional Coverages that eliminate or suspend the coinsurance conditions contained in the coverage forms. Review selected endorsements used to enhance coverage.
Learn how to develop a strong personal lines book of business, identify which clients provide the most revenue and ways to grow commission income with this comprehensive course.
In the CIC Personal Lines course, you will focus on the Property Casualty insurance industry, covering topics related to Personal Residential and Personal A land motor vehicle, trailer, or semi-trailer designed for use on public roads, but does not include “mobile equipment.” More, including policy coverages, limitations, and exclusions. Through the use of examples of Personal Umbrella or Excess Policies, you will learn how to respond in the event of a loss.
Updated and revised 2-day course.
Personal Residential Coverages (8 Hours)
Learn how to address homeowners’ questions about what types of policies best suit their individual needs. This section provides information about eligibility requirements and different valuation methods for insured property under Homeowners and Dwelling policies. Understand the ISO Homeowners Policy Form and how to address Property and Legal responsibility or fault. More coverages, limitations, exclusions, and other policy provisions.
Personal Automobile Coverages (6 Hours)
Gain in-depth knowledge of coverage afforded and not afforded by the Personal Auto Policy (PAP), including how to identify “who is an insured” and what is a “covered auto.” Develop your understanding of each coverage part of the PAP, including Liability, Medical Payments/PIP, Uninsured/Underinsured Motorists, and Damage to Your Auto. Examine important endorsements that can be used to provide additional coverage for your clients.
Personal Umbrella/Excess Coverages (2 Hours)
Help your clients understand the similarities and differences between Umbrella Insurance and Excess Liability Insurance, including general provisions and exclusions, and the relationship to primary insurance. Learn how to communicate the importance of Personal Umbrella/Excess Liability coverages to your client, as an integral piece of their personal financial and insurance programs.
What are the basic characteristics, provisions, and riders found in most life, health, and retirement contracts? Learn how to target these financial products to meet your client’s personal and business needs.
In the CIC Life and Health course, you will learn practical information related to Life and Payment of a benefit where an individual receives a regular stream of income from the insurer, for life or for a specified number of years. More Policies, Includes trade, profession, or occupation. More Life Concepts, Health Insurance, and A person in the service of another under a contract of hire, who acts under the direction and control of the person who hired him/her. More Benefits. Leave the class with information that you can put to use immediately.
Updated and revised 2-Day course.
Life and Annuity Policies (6 Hours)
Learn the general uses and legal elements of life insurance policies and annuities. This class helps you understand the components of term insurance, universal life, whole life, and the classifications, types, and provisions of annuities. You will also examine how the application of these products, used with additional financial planning tools, can help clients and prospects meet their personal financial goals.
Business and Life Concepts (2 Hours)
Learn the issues involving employer-owned life insurance and the proper application of life insurance to key person business exposure. The information provided in this course helps you understand these and other issues facing business owners, including executive bonus programs used as an employer-provided benefit and development of a business succession plan. You will also learn the basics of buy-sell agreements and funding methods and structure of life insurance ownership to provide counsel as part of the business owner’s planning team.
Health Insurance and Employee Benefits Concepts (8 Hours)
What are the benefits afforded by the Affordable Care Act (ACA) and how do ACA-compliant and non-compliant medical health plans differ? Learn about these differences, as well as the value of consumer-driven, tax-advantaged accounts, including A healthcare reimbursement account that allows employees to set aside money through payroll deductions on a pre-tax basis to pay for anticipated eligible medical expenses, for the employee and his or her dependents which are not reimbursed or paid from any other source. More, A tax-saving plan for individuals and employees participating in High Deductible Health Plans to save and pay for Qualified Medical Expenses. HSA funds may also be used as an additional retirement savings mechanism. More, and An account owned, maintained and funded by the employer to pay Qualified Medical Expenses for employees. More. Understand when to use A federal government medical insurance plan originally for individuals age 65 and older or disabled. The age requirement has been raised based on year of birth. More, Medicare Supplements, and A jointly funded federal and state program that provides hospital expense, medical expense coverage, and in some cases long-term-care-type coverage to the low-income population and certain aged and disabled individuals. More to meet clients’ needs.
You will also understand the meaning of long-term care and how it differs from acute and rehabilitation care. The information in this course helps you understand the special challenges brought on by long-term care exposures, as well as innovative products that address those exposures, including state A blanket term for a wide range of services designed to meet medical, personal, and social needs in a variety of settings and locations. More Insurance Partnership Programs.
Finally, you will examine possible sources of income replacement in the event of disability. Analyze the benefits of individual disability income contracts within various occupations and industries as well as the use and benefits of a Business Overhead Expense A physical or mental incapacity. More Policy.
What role do you play within a company and how are different company functions related? Learn more about how you can apply advanced executive strategies to improve business functions and promote company success.
In the Insurance Company Operations course, you will learn strategic decision-making strategies for the purpose of satisfying regulatory requirements, meeting compliance standards, product development, underwriting, distributing and marketing, processing claims, and other vital company functions.
Updated and revised 2-day course.
Executive Strategies (2 hours)
Learn what executive-level strategies to use to determine an insurance company’s structure. Understand what regulations and compliance requirements are unique to the insurance business. Learn the role of executive-level decision-making in lines of business, geographic territory, personnel structure, delivery systems, and technology.
Actuarial Practices & Process to help quantify an organization’s assets, liabilities, stakeholder equities, and cash flows at a point in time. More (2 hours)
Learn how actuarial practices support the financial viability of an insurance company and the role they play in reports to state insurance departments and financial regulators. Learn about the work of actuaries in the insurance industry, as well as accounting processes and profitability ratios.
Product Development (2 hours)
Learn to explain how insurance product development relates to the livelihood of an insurance company. Identify sources of new insurance product development, discuss modifications of existing insurance products, and learn about creating insurance coverage for emerging industries.
A relationship, express or implied, wherein one party (principal) delegates authority to another person (agent or proxy) to undertake certain activities for the principal. The agent’s limit of authority and discretionary power depends upon the agreement between the parties. https://youtu.be/s_hHkK95lbA More/Policyholder Services (2 hours)
How can an insurance company improve its agency/policyholder services and meet policyholder needs and expectations? Examine a variety of services that affect policyholders, including the appointment of insurance agencies, product delivery methods, and the provision of around-the-clock customer service.
The process by which the cost of the coverage is determined. Insurers (and self- funded plans) seek assistance from actuaries. More (4 hours)
Explain the importance of underwriting to an insurance company. Learn about the value of underwriting. Identify differences in company philosophies and analyze company guidelines. Discuss the use and types of reinsurance methods. Examine the purpose, function, and role of the loss control and safety specialist. Understand the purpose of a premium audit, the auditor’s responsibilities, types of audits, and the impact of those audits.
Claims (4 hours)
Understand the steps in the claims process and the purpose and functions of each. Understand how a claims department interacts with other departments within a company. Discuss claim investigation and evaluation, claim payment, and claim reserving practices.
Online learning is easy to use and engaging
Sharpen your edge and stand out from the crowd.
Keep Your Designation
After receiving the CIC designation, no further examinations are required. To keep your designation current, you will need to complete any one of these yearly update options.
Satisfies annual update–dues required
- James K. Ruble Seminar
- National Alliance PROFocus Series courses are open to all insurance and risk management professionals! Dues-paid National Alliance designees are eligible for update credit! PROFocus Series Courses—available in both classroom and instructor-led online formats—deliver high-level insurance and risk education for ALL industry, insurance, and risk management practitioners. These specialty courses are designed to build your industry-specific business and increase your income. More Seminar
- MEGA Seminar
- The Dynamics of Selling Series is a multi-day insurance specific sales training course. Designed and taught by leading, insurance sales professionals who are active in the industry. The series takes the sales process, sales management, and agency/company relations to a new level. While many generic sales programs are available, Dynamics of Selling remains the only “insurance specific” sales training in
- Dynamics of Sales Management
- Dynamics of Company/Agency Relationships
Satisfies annual update–no dues required
- Certified Insurance Counselor (CIC) is an insurance professional designation. The CIC program was started by the National Alliance for Insurance Education & Research in Austin, Texas in 1969 by founder Dr. William T. Hold. Some CIC courses can be used to fulfill state continuing education requirements for licensing as an insurance agent. The CIC program is for agency owners, producers, agents, CSR’s, brokers, and insurance company personnel. There More course
- Certified Uncertainty that may be either positive or negative arising from a given set of circumstances. Common definitions also include: 1) chance or probability of loss, 2) uncertainty concerning loss, 3) possibility of a variation of outcomes from a given set of circumstances, and 4) difference between expected losses and actual losses. More Manager (CRM) course
- Certified Personal Risk Manager (CPRM) Course
A status available to CICs who are ready to retire, but not ready to give up the designation for which they worked so diligently and maintained for so many years. CIC Emeritus status is maintained with annual dues payment and no annual update is required. The CIC Emeritus status guidelines are:
- Candidates must be retired from the insurance or risk management industry
- years held designation plus age must equal 70 or greater,and
- CICs must be dues-paid members in good standing.
Those are the technical requirements; however, it means much more than that to be an Emeritus CIC. These professionals are committed to continuing education and to the community they have helped to build and foster. They continue to support our efforts to broaden the opportunities to learn and to succeed.
If you have any questions about the Tenured and Emeritus status or how to apply, please call Program Services at 800-633-2165 for assistance.
In recognition of the many milestones and achievements CICs have made in their successful careers, the CIC Board of Governors initiated the Tenured CIC status in 2011. Significant educational achievements and a record of maintaining your designation have broadened each individual’s substantial base of knowledge. Therefore, this special recognition of tenure has been granted to CICs who have met the following criteria:
- Held the designation for 25 or more years,
- or CICs who have not held the designation for 25+ years, but are 70 years old or older,
- Designation is in good standing,
- AND membership dues are current.
These CICs will be eligible for tenured status and may maintain their designation by paying CIC dues every year and attending a qualified program every other year.
Best of all, tenured CICs retain all of the rights and privileges of the designation and of their membership in the Society.
What's in it for
- Practical, real-world information that provides best-in-class knowledge and best-in-class protection.
- A well-designed and thorough profile of complex exposures and coverage remedies
- Your in-depth knowledge of current approaches in both personal and commercial lines
What's in it for Your Agency or Company?
- Client protection and retention
- Insight into reducing Errors & Omissions
- Dependable technical knowledge and trusted expertise
- Your growing book of business
- A team member who can answer the challenging P&C questions
What's in it for You?
- Professionals with their CIC designation earn 30% more than their undesignated counterparts.
- Exclusive access and special consideration with “A” rated insurers through the CIC Select Program.
- High-level, market-focused update and CE Credit: Click here to determine state specific availability.
- Ability to customize your designation in these areas with expanded CIC curricula and the CRM and CPRM for CIC options.