PROFESSIONAL INSURANCE AGENTS OF NEBRASKA & IOWA

Commercial Insurance: 2014’s Largest Markets | 7
Willis & Towers Watson: Will the Merger Happen? | 8
Rating Insurance Regulation | 8
Expect it to go Nowhere | 10
ObamaCare & Small Business: Big Concerns Continue| 11
Last Week in ObamaCare: Cadillac Tax & By the Numbers | 11
Changes at Zurich | 12
Berkshire Hathaway: Selling Business Insurance Online | 14
Flood Insurance Importance Grows As Wet Weather Pummels the West | 15
AIG: Pressure Continues as Hancock Shakes up Management | 16
A New Sign of the Season: Fewer Company Holiday Parties | 18
PIA’s Annual Holiday Party | 21
Upcoming Events Calendar 2015 - 2016 | 25

Insurance Myths, Millennials & More: They have the Least Understanding | 7
Millennial Marketing: Tricky but Worth the Effort | 8
Animal Collisions: It’s that Time of Year | 10
Staying Focused: Battling the Afternoon Drag | 12
Two Reports: September Rates & 2015 Profits | 13
Cyber Risk Now Officially Consumer Concern | 14
It’s Already October? Time to Revisit Health Insurance | 18
Uninsured and Underinsured in America | 18
Update: Cover Oregon & Oracle Lawsuit | 19
Age & Insurance | 20
Professional Insurance Agents NE IA and The National Alliance held Iowa’s | 22
Upcoming Events Calendar 2015 - 2016 | 29

Opinion: PIA National Publishes Important Small Business Research | 7
AGENTS WIN: Groundbreaking Research by The PIA Partnership | 10
Commissions Fall with Commercial Pricing | 12
Industry Employment: Up & Recovering from Recession | 14
Organic Growth: Agents & Brokers see 5.9% | 14
You Need to Know: Cell Phone Contracts Changing | 15
Millennials — Unhappy at Work & Why | 16
Congress to Take on C Corp. Tax Reform | 17
Towers Watson Shareholders Sue | 17
Cyber Security & Agents: What You Need to Know | 18
Agents & Brokers Critical to ObamaCare Success | 21
NARAB: FIO & Obama Administration Standing Still | 23
Upcoming Events Calendar 2015 | 25

Congratulations Bernie | 7
NFIP Head: Flood & Insurer Disconnect | 9
Millennials: Moving Out of Parents’ Homes | 10
AIG & Greenberg’s Federal Suit – Wins it All, Gains Nothing | 11
Rates: Sitting in a Holding Pattern | 14
Technology Use Critical for the Independent Agent & Agency | 15
Working from Home: 12 Struggles | 17
Cyber Attacks Frequency Staggering | 18
House Votes to Repeal ObamaCare Medical Device Tax | 20
Connect, Grow, Learn: Golf and Education Day Photo Gallery | 21
CPIA Classes | 28
Upcoming Events Calendar 2015 | 30

PIA NE IA Offers Cyber Insurance — You Need it, Your Clients Need it | 7
National Association of Professional Ins. Agents 2015 Federal Legislative Summit | 9
Are We in a Soft Market? Maybe. Maybe Not | 10
The Future Millennials & Financial Stability & Careers | 12
Special Report — Cyber & the NAIC, Cyber & Insurance is that the Direction to Go? | 13
Social Media: Take Another Look at Yours | 15
FEMA & the NFIP up the Ante: Flood Prices Rose April 1 | 17
ObamaCare — Give it Time? | 18
ObamaCare — Penalty Increasing | 18
Ranking Insurance Mascots | 19
Connect, Grow, Learn:
Annual Convention: Connect, Grow, Learn: Golf and Education Day - June 2-3 | 21
CPIA Classes | 24
Upcoming Events Calendar 2015 | 26

The Google Insurance Plunge & the PIA Antidote | 7
Memo to Congress: Insurance & Other Industry Wants Cyber Security Passed | 10
From Start to Finish 10 Fabulous Sales Tips | 11
Just in Time Flood Insurance Sales Tips | 14
The Obama Budget & Your Business Taxes | 16
Rewrite: Republicans Plan ObamaCare Replacement | 17
What Agents & Brokers Really Think about ObamaCare | 18
Annual Legislative Luncheon | 21
Jim’s Perspective | 22
FMO Seminar Grand Island, NE - April 9, 2015 | 25
Upcoming Events Calendar 2015 | 26

PIA Call to Action: Crop Insurance Cuts Avoided | 6
Independent Agency Organic Growth | 7
Social Media & Producers: The Tool Bring the Most Profits | 8
Special Report: Medical Loss Ratios, Insurance Rates & Heavy Duty Criticism | 10
Your Employees: A Perk Worth a Job Change | 13
Prompt Policy Checking and Delivery are Musts | 14
AIG — The Pressure Continues | 16
A Look at the Worker’s Comp Market | 16
Cyber Insurance | 18
Senate Republicans Push ObamaCare Repeal &
Democrat Cadillac Opposition Grows | 20
ObamaCare: The Honeymoon is Over | 20
PIA NE IA and The National Alliance held NE’s 36th Annual Conferment Ceremony | 22
PIA’s Annual Holiday Party | 26
Upcoming Events Calendar 2015 - 2016 | 27

Usage Based Insurance: Allstate’s Controversy | 7
Cyber Extortion: A Growing Danger | 8
Insurance: Business & Preparedness | 9
A Post Labor Day Statistic: Insurance Employment | 12
Surprise: Millennials Like Insurance as a Career | 13
Surplus Lines: Broke Records 2014 | 14
Nationwide Raises the Bar: $15 Per Hour Minimum Wage | 15
the Negative Side of Mergers | 18
ObamaCare’s HealthCare.Gov Contracts Botched | 18
Obama to Chinese Leader: Stop Hacking | 19
PIA & Coalition Ask for Fiduciary Rule Change | 20
New PIA National Officers for 2015-2016 Installed | 21
Upcoming Events Calendar 2015 | 23

Major Moves: One Acquisition and One Merger | 7
High Merger Activity & Smaller Insurers | 7
Are Auto Insurers Spending too Much Money on Advertising? | 9
Workers Compensation: More of an E&O risk than you might think | 12
Dress Codes: A New Era | 8
How Can this Be? Self Driver Cars in Near Accident | 14
IMF Wants a Federal U.S. Insurance Regulator | 15
Work Comp: Small Employers & Video Cameras | 15
Too Much Social Change: Distressing? | 16
Anthem Buys Cigna: Now What? | 19
ObamaCare Fines Increase | 22
An Insurance Worry: Cyber Hacker Tactics Trying to Keep Up | 23
Rural & Town Agents Seminar | 25
Upcoming Events Calendar | 27

The Cadillac Tax: Repeal Certain | 7
Group Lobbying for Work Comp Opt Out | 9
Dodd-Frank Reform Out of Senate Banking Committee | 10
Profits in 2014 & Rates April 2015 | 12
Warren Buffett: Berkshire Hathaway is NOT too Big to Fail | 13
Cyber Rates: Large & Small & More | 14
Is ObamaCare Helping? Health Care Costs for a Typical Family | 15
Insurers to Congress: State Regulation is Best | 16
Google: First Driverless Autos, Now Pilotless Airlines | 17
Annual Convention: Connect, Grow, Learn: Golf and Education Day - June 2-3 | 19
CPIA Classes | 22
Upcoming Events Calendar 2015 | 24

Google Insurance Update: Google Compare has Arrived | 7
Millennials: Looking at the Future of Your Business | 9
Cyber Attacks: An Accelerating Crisis & Now the FIO is Involved | 12
Remembering AIG’s Former CEO & Savior Robert Benmosche | 14
Financial Guru Dave Ramsey Loves Independent Insurance Agents | 15
Driving: Behaviors, Behaving Badly & the Insurance Consequences| 16
Work Comp Rates: How Your State Ranks | 19
The 10 Largest P&C and Personal Lines Insurers | 20
Irony: The Affordable Care Act, the Administration & Agents | 22
The Paperless Society | 23
Annual Convention: Connect, Grow, Learn: Golf and Education Day - June 2-3 | 25

It’s Official — Or Close to it — The Hard Market is Over | 7
Two Viewpoints Insurance Predictions 2015 | 8
Is Documentation Really that Important? | 10
2014’s $50 Billion in Profits & Its Relation to Catastrophe | 12
The Bad Hire Costly but not how you think | 14
The Workspace Critical to Job Performance | 14
Smartphones The Latest Cyber Threat | 16
Upcoming Events Calendar | 20