Independent agents can rely on KAIA for comprehensive resources related to their legal, industry, continuing education and technical questions. Click on the tabs below to access our industry resources.
Independent agents wear a lot of hats as small business owners, employers, consumer advocates, industry professionals and civic leaders. KAIA’s annual insurance industry awards are one way to recognize and promote the valuable role that Kansas independent agents fulfill on the local, state and national level.

Each year, the association recognizes four shining stars in the Kansas independent insurance industry: an Agent of the Year, an Outstanding Young Agent, a Distinguished Service member, and a Company Representative of the Year. Members are invited to nominate independent agents and company representatives for one or more of these industry awards. Nomination forms are brief and nominations may be made anonymously.

The honorees are recognized each year during KAIA’s Leadership & Development Conference.

Award Descriptions & Nomination Forms

  • Agent of the YearNomination Form
    Recognizes a Kansas agent who has made significant contributions to the industry, enhanced the ideals and reputation of the industry and/or shown a commitment of service to his or her community. Open to all KAIA agent members.

  • Outstanding Young Agent - Nomination Form
    Recognizes a young agent (under age 40 or less than five years in the business) who has demonstrated exceptional leadership, motivation and dedication on behalf of the industry and/or association. Open to all KAIA young agent members.

  • Distinguished Service Award - Nomination Form
    Recognizes an individual in the independent insurance industry who has gone above and beyond as a KAIA member through volunteering, advocating or enhancing association membership or operations. Open to all KAIA agent and company members.

  • Company Rep of the Year - Nomination Form
    Recognizes an individual working at an insurance company who has been a proponent of KAIA and its member agencies, enhanced the reputation of the industry and promoted the independent insurance agency brand. Open to all KAIA company members.
  • ​Advocate of the Year - Nomination Form
    Recognizes an individual working at an insurance company who has been a proponent of KAIA and its member agencies, enhanced the reputation of the industry and promoted the independent insurance agency brand. Open to all KAIA company members.

2018 Nominations

Nominations for the 2017 industry awards may be submitted at any time. Click on the nomination form link next to each award at the left to download the form.

2017 Award Recipients

Agent of the Year
Mark Lowry

Distinguished Service Award winner:
Cindy Hower

Company Rep of the Year

Dwight Tully

Outstanding Young Agent

Brock Elliot

Advocate of the Year
Dan Hawkins

1752 Club Agent of Merit
Scott Strong​

Featured Resources

Frequently Asked Questions


Sample Agreements


Workers Compensation


Self-Funded Workers Compensation Pools

Commonly-Requested Articles




Ask your question

Need answers to an industry question? KAIA members have free access to Virtual University and its "Ask an Expert" service. This program allows members to ask a question when they can't find an answer through VU's online research library or when they simply want another opinion.

Questions are answered by a volunteer faculty of experts who specialize in the areas of agency management, insurance coverage and technology.

To date, the VU faculty has responded to more than 10,000 questions from independent agents, ranging from insurance coverage and claims problems to compensation and agency valuation questions.

Click here to ask an expert your question through Virtual University's Ask an Expert service.

Many, if not most, of you know the KAIA's attorney Will Larson. Will has represented the KAIA for thirty-six years and has been an insurance attorney for nearly 40 years. Beginning in 2013 Will decided to retire from the insurance defense litigation part of his practice and limit his practice to solely representing the KAIA and providing legal assistance to the Association's members. Although still a partner in his law firm, Larson and Blumreich Chartered, Will actually offices at the KAIA building in order to be as accessible as possible to KAIA members. Below is a partial list of some of the legal services available to KAIA members.

  • Answering member's questions regarding insurance law to include:
    • E&O issues
    • Contract issues
    • Regulatory (Insurance Department) issues
    • Insurance policy coverage issues and interpretations
    • Issues pertaining to Kansas Tort law
  • Reviewing agency contracts
  • Reviewing and in some instances preparing buy sell agreements
  • Preparing insurance cluster agreements for multiple agencies
  • Giving continuing education presentations to agencies or groups of agencies on various topics, e.g. contract liability coverage, certificates of insurance, E&O risk management etc.
  • Providing information on Kansas insurance statutes and regulations
  • Providing information on pending insurance related legislation
  • Conducting E&O audits sanctioned by Swiss Re which allows agencies to obtain multi-year credits on their E&O coverage.

    Members may utilize the Legal Hotline service free of charge for up to one hour per year. Additional advice or legal representation will be charged at a discounted hourly rate. All inquiries will remain confidential.

Pursuant to Will's agreement with the KAIA any charges for Will's services are paid to the KAIA and therefore benefit the Association. If you are in need of Will's services you can contact him at the Association by phone, 785-232-0561 or by e-mail at

Call the Hotline

To ask a question through KAIA's Legal Hotline, member agencies may call 1-800-229-7048 and ask for Will Larson, or email



 Need staff?  WAHVE can help!

WAHVE takes the stress out of hiring by finding and matching retiring insurance professionals who want to stay productive, with insurance agencies that need to fill positions. Geography isn't a barrier, because all Work At Home Vintage Experts, as the name implies, work remotely.

Work At Home Vintage Experts (WAHVE) gives Kansas Association of Insurance members access to highly qualified, trained, and experienced insurance industry pros who want to stay engaged and productive in retirement.  

WAHVE’s unique qualifying process and technology platform match the right retirees and “pretirees”—wherever they may live—to insurance agencies and companies that need staff, wherever they are located. 
From customer service to underwriting, there's a WAHVE for whatever job you need to fill. Staffing services—available on a dedicated full- or part-time basis, and for long-term projects—include:

  • Live customer service representative
  • Sales and marketing assistant 
  • Claims representative 
  • Underwriter 
  • Hard to place or niche lines of business expert 
  • Mentors and trainers 
  • Preparation of new and renewal business applications 
  • Quoting and proposal preparation 
  • Loss run ordering and analysis 
  • Policy checking 
  • Premium audits 
  • Certificates issuance 
  • Change requests/endorsements 
  • Indexing of scanned documents 
  • Claims support 
  • Excess and surplus lines filings 
  • Accounting and finance 

Visit WAHVE at to see what they can do for you. 


KAIA members get preferred member pricing. 

For more information about WAHVE and how to sign up email Joan Sutton at or call 800-229-7048

For more information on WAHVE visit


E&O Happens offers exclusive risk management information and tools designed to help agency staff of Swiss Re Corporate Solutions policyholders avoid E&O claims and improve business practices. Agency E&O risk management starts with creating a culture where staff understands that their actions really do make a difference, and can potentially prevent (or cause) the agency to be sued. We can help you develop this culture by providing access to:

  • Tools to use:  Tools that can help the agency on a daily basis including an agency E&O self-assessment, sample coverage checklists, sample disclaimers, file documentation and retention information, sample customer letters, and more.

  •  Claims Information:  The most frequent types of E&O claims, common errors and problems causing E&O claims, and practical real-life E&O case studies demonstrating how claims can be avoided. 
  • Articles, Content, and Podcasts:  E&O related articles on ways to avoid claims, including an archive of IA Magazine’s monthly “E&O Angle” articles and E&O Claims Advisor Newsletters, E&O quick tips for all positions in the agency, and podcasts on avoiding E&O claims from social media, certificates of insurance, natural catastrophes, and much more.

Turning Your Retirement Questions Into Answers

Having trouble deciding which retirement plan is right for you or your agency? Big "I" Retirement Services is here to help you choose which plan best meets your circumstances. We’ve worked with more than 1,000 agencies to help them achieve their retirement goals.

IIABA Support

With over 25 years in the retirement business, the Big "I" serves as a strong advocate for participating agencies. Whether it concerns a complicated transition from another provider, or perhaps a sale of the agency, we know your business, understand your market, and can grasp your needs.

Roll Over Your Plan and Save

Our advisers are available to all IIABA members to provide consultation on existing and new plans alike at no cost or obligation. At Big "I" Retirement Services, we consider you a member first, and a client second. Whether we’re building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money with our low administrative fees, we strive to make your experience with us pleasant, professional, and hassle-free.

A Plan for Every Need

Whether your goal is to maximize owners’ contributions, lower your agency’s tax burden, or retain key employees, our retirement professionals can tailor and customize a plan to fit your needs.


Call Christine Munoz at 800-848-4401 or​ today to see how we can help you save.

The Big "I" Advantage

Aside from the fact that independent agents like you are the only clients we serve, there are some other advantages that make us different. Consider: 

Quality Investments

Participants have their choice of several investment options that cover the risk/reward spectrum. Investments are closely monitored, and are offered at institutional pricing and rates. Be sure to check out our current fixed rate, a popular investment option.
State-of-the-Art Administration
All aspects of the plan are bundled, including form filings, quarterly statements, document maintenance, enrollments, and transition support. One low fee pays for complete plan services, so you can focus on running your agency instead of diverting resources to managing the plan.​

​The Big “I” Employee Benefits program provides full service group benefits for our member agents.    Our program is underwritten by The Guardian Life Insurance Company of America, a multi-line insurance group with many years of experience in the business and administered by a dedicated service team just for Big “I” Members.  Offering Group Life, Group Short & Long Term Disability, Group Dental and Group Vision, the program offers varying lines of coverage options to meet the diverse needs of our members and also provides guaranteed issue with certain requirements being met. Whether you are a new member or an existing one, we quote and add coverage on a continuous basis.

Contact Christine Munoz at or 800-848-4401 for more information.

To obtain a quote, please click here for the census form. ​

Group Term Life Insurance

The Big “I” Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of other family needs.   Life insurance can be used for estate settlement, probate costs, mortgage pay off, college expenses and payment of medical expenses to name a few.    The program offers guaranteed issue (with certain requirements being met), a variety of plan alternatives to fit your agency’s needs, coverage for spouse and children and optional coverage for employees.

For more information please click here to download our brochure.

Group Long Term Disability

Protect your greatest asset – your ability to earn a living!   The Big “I” Long Term Disability program offers guaranteed issue (with certain requirements being met), up to $10,000 per month in benefits, a variety of plan alternatives to fit your agency’s needs, special benefits for residual disability, your choice of waiting periods and waiver of premium.  

For more information please click here to download our brochure.

Group Short Term Disability

The Big “I” Short Term Disability program protects you from loss of income during an illness or accident that prevents you from working.   The program offers guaranteed issue (with certain requirements being met), up to $650 in weekly benefits and a variety of plan alternatives to fit your agency’s needs.   

For more information please click here to download our brochure.

Group Dental and Vision Insurance

The Big “I” Dental program offers two levels of coverage, basic and enhanced, with an extensive list of in-network preferred provider dentists.   Also offering options for out-of-network coverage and orthodontic services.  

For more information, please click here to download our brochure.  

The Big “I” Vision program offers coverage through VSP, with in and out-of-network coverage.  

Please click here to download our brochure.


Crump Life Insurance Services is brought to you by Crump Group.  With the Big “I” and Crump you have access to Crump’s relationships with multiple insurance carriers to provide you with a competitive advantage in the marketplace. With access to over two hundred insurance carriers, they closely partner with a subset of these carriers to offer a product suite with the depth necessary to meet almost any client need. With Crump you will have access to a full range of Life, Disability, Long Term Care, ​Annuity and Critical Care products and a dedicated sales and case management team to assist you during the sale.

How to get considered:

  • Go to Big “I” Markets and go to “Offline Products” and select “Crump.”  Click on "Request a Quote" to begin the electronic record. This starts the Crump Registration process (Please note you are not actually requesting a quote)
  • Complete the information as requested on the Quote Request Wizard screen. ENTER YOUR AGENCY NAME & ADDRESS AS THE CLIENT, as you are actually the client in this case. Click Next.
  • Continue through the Quote Request Wizard Screen. On Underwriting Information: Step 4, print the Producer agreement.
  • On Confirmation: Step 5, click submit to confirm the quote request which will alert Crump of your interest.
  • Complete the Producer Agreement downloaded in the quote request process. Fax the producer agreement, proof of E&O coverage and your life accident and health license(s) to 717-703-4872.

What Happens Next?

Crump will review your Producer Agreement and contact you if additional clarification or information is needed. Once you have provided everything they require, you will be contacted via email with your Crump agent ID and password. Crump will also obtain all information necessary for your appointment to the appropriate carrier. 
Once you are in receipt of your log in information from Crump, you will be directed to complete an Anti-Money Laundering training program - which is available at no cost and online. Once you're set up, you will have access to all forms of individual life insurance, individual disability insurance, individual long-term care insurance and fixed annuities, as well as the planning expertise that accompany these product solutions 

About Crump/Crump

The Crump Life Insurance Services brand is a wholly owned subsidiary of Crump Group, Inc. Crump Group, Inc. is the largest wholesale insurance distributor in the United States and a leading provider of record keeping and support services to company-sponsored retirement plans.
Crump provides a total outsourced insurance distribution solution via select relationships in nontraditional channels. Through the first national, multi-carrier, employee-based point-of-sale platform, Crump provides enhanced sales, profitability and client retention.
Crump and our relationships with multiple insurance carriers provides you a competitive advantage in the marketplace. While Crump has access to over two-hundred insurance carriers, we closely partner with a subset of those carriers to bring to market a product suite with the depth and breadth necessary to meet almost any client need. Not being limited by products allows you to maintain objectivity while presenting a strategy to your client. In addition, it ensures that you and your client will receive the most competitive underwriting offers possible. With Crump, you will always be able to provide an appropriate product solution.
Our team can provide you with plan designs, analysis and product proposals. In addition, Advanced Markets draws liberally on the expertise and relationships of the advanced markets professionals at Crump's core carriers, together making the Crump brand an unsurpassed resource in the financial services industry.
Contact Christine Muñoz at 800-848-4401 or with questions.

​Big "I" members receive discounted pricing on Caliper products to help your agency with pre-employment assessments, staff development and corporate culture.


What does Caliper offer?

Pre-employment assessments
Get clear about which candidates have the greatest potential to succeed and make your most informed, confident hiring decisions ever.
Talent Development
Caliper's three-phase approach to talent development focuses on exceptional performance and remarkable, measureable results.
Corporate Culture
Transform the culture you have to the culture you need. We’ll put your vision in perspective and provide solutions for achieving your goals.

Visit the Caliper website to learn more about each of these areas.

What is my Big "I" discount?

Big "I" members receive $50 off a Caliper Profile (final price $245) and 10 percent off other products.

Order by calling 609.524.1200 and identifying yourself as an IIABA member. ​

​​​web_referral_program_lp_banner_1440_MKC-568.jpg​GET 20% OFF on a Standard prepaid annual plan

Just $240/user/year saves you $60 per user!

​Start transforming your business today with a DocuSign Standard plan. Features include:

  • One or more users

  • Send documents for signature*

  • Basic fields: signature, name, date, text boxes, and more

  • Shareable templates, fields, and folders

  • Reminders, notifications & audit trail

  • Mobile signing and sending

  • API access

Click here​ to find out more! 

Don't forget to use promo code: IIABASAFECO​

UPS Logo.png​S​ave up to 34% on shipping services

click-here-now.pngMake the most of your KAIA membership and save up to 34% on UPS shipping services. Save on a broad portfolio of services, including air, international, ground and freight. Put the power of logistics to work for you.

Toll-Free: 1-800-MEMBERS (1-800-636-2377), M-F, 8 a.m. - 6 p.m. |  FAX: 703-461-5222

BigI_VirtualRisk (2).jpg

Virtual Risk Consultant (VRC)​

The Big I Advantage® Virtual Risk Consultant powered by Rough Notes (“VRC”) is a powerful online client service resource tool that no Big “I” member should be without.  VRC has useful information for all positions in the agency from the agency principal to the CSR and will increase the professionalism of the agency, leading to increased sales.  Agency staff will be more knowledgeable about client/prospect operations and the VRC’s commercial and personal lines risk exposure analysis process offers a systemic approach to:
  • Understanding the client’s operation with overviews for more than 650 business classes and personal lines risks
  • Identifying client exposures with customizable client surveys/questionnaires,
  • Creating thorough customer proposals with information pertinent to their operation and a glossary of insurance terms,
  • Prudently documenting customer files with signed coverage checklists. 

Please be to login to VRC at the following address:  ​