Ms. Nicole L. Allen

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  www.ciab.com/About/CouncilStaff.aspx - [Cached Version]
  Published on: 10/30/2009    Last Visited: 10/30/2009  

  Nicole L. Allen is vice president for industry affairs for The Council, a job she has held since December 2007. Prior to joining The Council, Allen spent five years with Fireman's Fund Insurance Company and its parent, Allianz of America Corp., specializing in regulatory and legislative affairs. She had been named assistant vice president and senior director of government affairs for Allianz in March 2007. Allen began her insurance career in 1992 with the National Association of Professional Insurance Agents in Alexandria, Va. After four years, she moved to The Council where she spent eight years working in state and government affairs. An honors graduate of The American University with a B.A. degree in communications, Allen also holds a law degree, cum laude from George Mason University School of Law.

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  www.ciab.com/News/View/tabid/76/smid/376/ArticleID/158/ - [Cached Version]
  Published on: 10/28/2009    Last Visited: 10/30/2009  

  Contact: Nicole Allen Interim Vice President, Marketing & Communications 202-662-4437 nicole.allen@ciab.com

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  www.ciab.com/About/Staff.aspx - [Cached Version]
  Published on: 10/30/2009    Last Visited: 10/30/2009  

  Nicole Allen (bio) Vice President, Industry Affairs

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  www.propertyandcasualtyinsurancenews.com/cms/NUPC/Templ - [Cached Version]
  Published on: 9/11/2005    Last Visited: 11/30/2007  

  Nicole L. Allen will rejoin the Council of Insurance Agents & Brokers as vice president for industry affairs, the Washington-based association announced today.

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  answers.insure.com/articles/carinsurance/credit-score-c - [Cached Version]
  Published on: 1/19/2004    Last Visited: 12/5/2007  

  "Credit is definitely a good predictor of risk," says Nicole Allen, director of government affairs at Fireman's Fund Insurance Company in Novato, California.
  ...
  But Allen at Fireman's Fund denies this."Credit-based insurance scores are colour-blind," she says."Credit reports contain no information on race, ethnicity, religion or marital status.And the NCOIL model bill expressly prohibits insurers from using any insurance score that is calculated using income, gender, addresses or zip codes, ethnicity, religion, marital status or nationality.Credit is simply credit, and it is a reliable indicator of a person's potential for causing insured loss."
  
  Other insurance executives back Allen up.

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  www.businessinsurance.com/article/20090913/ISSUE01/3091 - [Cached Version]
  Published on: 9/13/2009    Last Visited: 9/13/2009  

  We're not sure what that means," said Nicole Allen, vp of industry affairs in Washington, adding that the CIAB will be requesting clarification during the comment period.

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  www.insurancenetworking.com/news/insurance_regulations_ - [Cached Version]
  Published on: 12/29/2008    Last Visited: 12/29/2008  

  The Council of Independent Agents and Brokers is watching new statutes in Kentucky and California that address the legality of producer actions, says Nicole Allen, VP of industry affairs for the organization.
  
  Kentucky has eased restrictions on insurance producers concerning their classification as agents and/or consultants, she says. The Kentucky Department of Insurance had issued some opinions regarding what an agent can do versus what an industry consultant can do; it's one of several states that have different categories of producer, with certain categories limited to certain practices by law, she says.
  
  "Some of these opinion letters appeared to go beyond the statute that existed at the time, restricting what you could do as an agent or consultant, or if you're licensed as both an agent and consultant simultaneously," Allen says.
  
  The new law should clear up some issues that had arisen over the past couple of years because of these opinions, she says.
  
  "It provides some flexibility for those agents who do handle larger accounts," Allen continues.
  
  Larger clients normally want more consulting-type services, which is why they rely on agents and brokers. "This bill will permit producers to do those types of things without running afoul of the law," she says.
  
  The new law also will widen consumer insurance choices, she adds. The new law means customers will no longer have to go to one person for advice and to another to actually buy the policy.
  
  In California, a "long and drawn-out process" has led to a new law that redefines the producer appointment process, and how that affects someone acting as an agent in one situation and as a broker in another, Allen says. Under the prior definition of "agent" in California, someone appointed by an insurance company to sell automobile insurance, for instance, would be considered to be acting as an agent for that company in all transactions.
  
  "It assumed you are an agent for everything," she says.
  
  The law changes the definition of agent to "someone who transacts insurance business on behalf of a company." It also requires brokers to have a written agreement signed by a consumer when they are transacting business on behalf of the consumer. And, if the broker is receiving any compensation from the issuer for that purchase of insurance, that has to be listed in the agreement as well, she says.
  
  "That's new under this bill," Allen explains.

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  Agents for Change BESTS_2-22-08 - [Cached Version]
  Published on: 2/22/2008    Last Visited: 9/8/2008  

  NAIC members should move quickly to establish a common set of professional standards for producers, said Nicole Allen, vice president of industry affairs for the Council of Insurance Agents & Brokers. 'There are some states that just aren't going to be comfortable with granting full reciprocity until there is some set of standards,' she said.

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  BrokerNetUSA - [Cached Version]
  Published on: 3/19/2001    Last Visited: 8/8/2001  

  Our members are very concerned , according to Nicole Allen , director of government affairs for the Washingtonbased Council.They don't know how the rules will affect their group health insurance business and their ability to shop policies and provide solutions..
  
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  The problem , Ms. Allen said , is that the HHS privacy regulations , which were mandated by the Health Insurance Portability and Accountability Act , were not written with intermediaries in mind.
  
  Moreover , she said , many of the practical problems with the regulations probably will not emerge until insurance brokers have had to spend some time living under them.Therefore , Ms. Allen said , it is not fully clear yet what type of clarification will be needed.
  
  The HIPAA privacy regulations , she noted , will not take effect until April 14 , 2003.However , according to Ms. Allen , brokers need to begin working immediately on setting up compliance systems.
  
  One issue facing brokers , she said , is an administrative requirement that all covered entities must designate someone to serve as a privacy compliance officer responsible for receiving complaints and inquiries about privacy policies and practices.Currently , Ms. Allen said , most brokers do not designate anyone as the privacy compliance officer.
  
  In addition , she noted , the regulations limit disclosure of information for certain legitimate purposes , such as claims and billing , to the minimum necessary to accomplish the purpose.However , Ms. Allen said , the term minimum necessary is very fuzzy.Brokers could face problems tracking claims , she suggested.Perhaps an even more significant issue facing brokers involves multiple recordkeeping , according to Ms. Allen.
  
  The regulations exclude certain types of insurance from its scope , including workers' compensation , life , disability , auto , property-casualty and most types of reinsurance , she said.However , this forces brokers to set up two recordkeeping systems for health-related information , Ms. Allen said-one for health plans and the other for these excluded lines.
  
  Moreover , she said , this could put brokers in a conflicted position involving health information.Suppose , Ms. Allen said , an individual who had a heart attack does not reveal this fact on an application for life or disability insurance.The broker , she said , is barred from transferring the information from the HIPAA covered line to the excluded lines.
  
  But what is the broker's fiduciary duty to the life or disability insurer if the broker knows that the application is false , Ms. Allen asked.Segregating HIPAAcovered information from other healthrelated information will create conflicts for brokers , she predicted.
  
  Ms. Allen said that brokers will also have to comply with notice requirements under the HIPAA regulations that differ from the notice requirements under the Gramm-Leach-Bliley Financial Services Modernization Act.Brokers , she said , will have to keep in mind what type of notice is required for what purpose.
  
  Ms. Allen said that some type of harmonization of the different privacy requirements is needed.Insurance brokers , she said , help consumers by facilitating these transactions.
  
  Without some type of guidance , Ms. Allen said , brokers will have greater difficulty providing the services that consumers expect and deserve.
  
  Copyright National Underwriter Company Aug 6 , 2001

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  Business Insurance - Corporate Risk Management,... - [Cached Version]
  Published on: 8/15/2002    Last Visited: 8/15/2002  

  "Nevertheless, the council is still in the process of examining some of the state laws and will have a statement ready when that process is completed," said Nicole Allen, the CIAB's director of government affairs.
  
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