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Option4.png February 2019 Edition  


New York's Cyber Security Law Impacting Everyone

New York's Cyber Security Law is causing waves of concern across the country. You may not do business in New York, or hold a license, but the requirements may still impact you. The Big "I" of New York has taken lead on helping agents through the implementation of this far-reaching law. As a member of IIAND, they are providing you access to the tools and resources they developed.

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North Dakota Insurance Commissioner Nominated to Federal Advisory Committee

Insurance Commissioner Jon Godfread has been nominated by the National Association of Insurance Commissioners (NAIC) to serve as the state insurance regulator on the Air Ambulance and Patient Billing Advisory Committee recently created by Congress. This committee will review options to improve the disclosure of charges and fees for air medical services, better inform consumers of insurance options for such services and protect consumers from balance billing.

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How will GenZ to Buy A Home?

Four out of five members of Generation Z want to own a home before they turn 30. To accomplish this, they will need to save $304 every month for the next 12 years to buy a median-priced house with a 10% down payment plus closing costs. On top of student loan debt, this financial load can be overwhelming.

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New Tax Regulation Resources Available

As a member of IIAND, you can access resources on the new tax regulations, including: 

  • A recorded 30-minute webinar

  • A PowerPoint presentation that provides a comprehensive explanation of how the new tax deduction benefits pass-through owners and shareholders, including discussion of the specific sections of the over 200-page regulation relevant to insurance agencies and brokerages

  • A one-page overview of the new tax rate for C-corporations and the new tax deduction available to some pass-through businesses

  • A four-page FAQ document that outlines the must-know facts about the new 199A deduction

It is important to note that these regulations are complex. You are encouraged, especially those who derive income from non-traditional activities, to consult a tax professional to determine how the new deduction specifically impacts your business. 

Access Resources

Survey Shows Surprising Results

It may be obvious that the more satisfied you are with an insurance carrier, the more business you will conduct with that carrier. A recent J.D.Power survey shows that overall agent satisfaction with the service they receive from insurers is among the lowest of business relationships.

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IIAND Legislative News

The 2019 Legislative session began in January and things have been hopping. 

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Big I Secures Tax Break for Pass-Through Agencies

In late January, the IRS issued final regulations governing Section 199A of the tax code. The rule confirms that owners and shareholders of insurance agencies and brokerages organized as pass-through entities are eligible for a tax deduction of up to 20% on qualified business incomeregardless of taxable income level. The deduction is available for taxable years 2018 through 2025.

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The "Cadillac Tax" on Employer-Provided HealthCare Plans

The Big "I" had joined with The Alliance to Fight the 40 to repeal the "Cadillac Tax."  This tax is a 40% tax on employer-provided healthcare coverage. Several studies have shown that the Cadillac tax would have a direct and negative impact on the continued affordability of employer-provided health insurance for people with ordinary health plans. At 40%, the tax is twice the top corporate rate and will have significant consequences to both employers and employees. 

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Capital City Conference - RESCHEDULED

Due to inclement weather, the Capital City Conference has been rescheduled to March 6-7, 2019. Watch for more information!


Don't miss your 10% loss control credit on your Westport policy (Loss Control Credit Requirements). Register now for live webcasts or on-demand E&O Loss Prevention Seminars. 

Register Now

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