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DOCUMENT RESUME CE 077 108 ED 423 380 The Insurance Educator. Volume VII. TITLE Insurance Education Foundation, Indianapolis, IN. INSTITUTION 1998-00-00 PUB DATE NOTE 18p. Collected Works Serials (022) PUB TYPE Insurance Educator; v7 n1-2 Jan-Sep 1998 JOURNAL eIT MF01/PC01 Plus Postage. EDRS PRICE *Accident Prevention; Classroom Techniques; *Educational DESCRIPTORS Resources; *Fire Protection; High Schools; Instructional Materials; *Insurance; *Insurance Occupations; *Safety Education; Teaching Methods ABSTRACT These two issues are intended for secondary school educators who teach about insurance in any of their courses. The following substantive articles are contained in the January 1998 issue: "Teen Drivers and Automobile Insurance: New Laws Safeguard Teen Drivers" (Insurance Information Institute); "National Advisory Council of Secondary Teachers"; "A Workshop by Any Other Name..."; "Arson: Protect Yourself"; "Risk Manager Fact Sheet: A Conversation with a Risk Manager"; "The Jump$tart Coalition for Personal Financial Literacy"; "LIFE Introduces 'Next Generation': Insuring Your Future"; and "Classroom Resources." Substantive articles in the September 1998 issue include the following: "IEF--Who We Are and What We Do"; "James L. Osborne Insurance Educator of the Year"; "Teen Drivers and Automobile Insurance: Road Rage and Aggressive Driving--How To Temper Yourself"; "Teachers' Summer Programs"; "Insurance Trends: Internet Misuse Can Leave Companies Exposed"; "InVEST in Your Future"; "New Drivers--Terrifying Statistics"; and "Classroom Resources." (KC) ******************************************************************************** Reproductions supplied by EDRS are the best that can be made * * from the original document. * * ******************************************************************************** The Insurance Educator Volume VII 1998 PERMISSION TO REPRODUCE AND U.S. DEPARTMENT OF EDUCATION DISSEMINATE THIS MATERIAL HAS Office of Educational Research and Improvement BEEN GRANTED BY CATIONAL RESOURCES INFORMATION ED y CENTER (ERIC) This document has been reproduced as received from the person or organization originating it. 0 Minor changes have been made to improve reproduction quality. TO THE EDUCATIONAL RESOURCES INFORMATION CENTER (ERIC) Points of view or opinions stated in this document do not necessarily represent 1 official OERI position or policy. BEST Copy AVAILABLE 2 e -7n ErD© EM2UIT CUE The purpose of this semi-annual newsletter is to provide secondary educators with a greater knowledge of insurance, access to teaching materials, and insurance career information for students. This publication is available free of charge to secondary educators who teach insurance in any subject. Please share it with colleagues. In This Issue Teen Drivers and Automobile 0 Insurance New Laws Safeguard New Laws Safeguard Teen Drivers Page I Teen Drivers Reprinted with permission from the Insurance Information Institute IEF News National Advisory Teachers: This trend to graduated licensing is sweeping the country. It would provide a Council of Secondary good topic for student research and would certainly spark an interesting class discussion. Pages I & 2 Teachers O'Neill, spokesman for the Insurance n 1996 Florida, Georgia and Institute for Highway Safety, supports Michigan passed laws restricting the A Workshop by Any this precaution saying that a group of driving privileges of teenagers. New Other Name Page 2 young people together in a vehicle is "a Jersey and Ohio are currently debating prescription for immature, irresponsible similar measures. In most cases, the laws. Can You Use 3 behavior." The trend is expected to con- forbid late-night driving by young peo- Pages 2 & 3 Freebies? tinue, in spite of protests by some teens ple who have just received their licenses. The Risk Challenge who claim their civil rights are being Page 3 Privileges are expanded as the teens gain violated, since legislators have learned driving experience until, at age 18, they Special Feature that highway safety measures are receive an unrestricted license. In Arson: Protect favored by most of their parents. Georgia, teens driving with other teens Page 4 Yourself in the car is also prohibited. Brian Insurance Careers Risk Manager Fact Sheet Page 5 HGN9g, Lessons for the Teachers The JumpStart Coalition National Advisory and resources, and a recognition pro- for Personal Financial gram for teachers. As always, their Council of Secondary Page 6 Literacy ideas were terrific! Teachers The Next Generation: Just for starters, staff has revised the Insuring Your Future Page 7 student contest based on the council's --lhe Columbus Ohio Hyatt ideas and suggestions, and a new web Regency was the scene in Classroom Resources site will introduce educators and the mid-June of the second meet- Free Teaching Materials Page 8 insurance industry to the Insurance ing of IEF's National Advisory Education Foundation. Classroom Council of Secondary Teachers, a resources produced by the insurance meeting held in conjunction with the industry and suitable for teenagers Board of Directors' meeting. (other than IEF's Choice-Chance- Members of the advisory arm of the Control, teachers' summer institutes, foundation who were able to attend Fast Lanes: Risky Roads, etc.) will be this year represented Canada and 17 listed on the site. This is an answer to states. Teachers were asked for input teachers' frequently asked question, on three projects: The RISK Challenge, new teaching materials Continued on page 2 tion's summer workshops. expression of respect and gratitude Continued from page 1 "What's out there about insurance?" more often. Tuck this one away and In the months to come, a committee At the conclusion of two days of pull it out when you need it. You of council members will be develop- meetings, tours, and social functions, deserve it. You have the most impor- ing a program to recognize high good-byes and thank-yous were tant job in the world! school teachers who are doing an out- exchanged as all went their separate standing job of teaching insurance. ways. One IEF board member The first award for a high school remarked, "Every time I hear these A Workshop By Any insurance educator of the year will be teachers talk about their profession Other Name... presented in Orlando in September and their students, they just impress 1998. More about that project will be the [heck] out of me!" It would be e've been listening to mailed to graduates of the founda- nice if teachers could hear this teachers. And we've been reading the dictionary. And 1997 Insurance Education Workshop Virginia Commonwealth University we think teachers are right: The word Richmond,Virginia "workshop" is not an appropriate description of the foundation's insurance education program. The Board of Directors has taken your advice and voted to substitute the word "institute." From now on, the workshops will be known as: "Insurance Education Institutes for High School Teachers." Our new name aptly represents the intensity of this program and the hard work it requires for the tremendous rewards earned. Thank you for your suggestions, workshop graduates; con- sider yourselvs.now to be Institute" graduates. Can You Use 3 Freebies? f you are interested in learning more about a two-week program for which you earn three graduate credit hours, indicate your interest on the enclosed return card in this newsletter. We will send you a 1998 brochure. Please let us know about any colleagues who might be interested. The application deadline for all schools is April 1, 1998. CCongratulations are in order to Virginia Commonwealth University for a very successful first year participating in the IEF sum- Participants: Jacqueline Armwood (Farmville,VA), Marsha Bailey (Portsmouth,VA), Michelle mer institutes. Twenty-six enthusiastic Bailey (Farmville,VA), Marianne Benton (Richmond,VA),Angel Boyd (Highland Springs,VA), Lisa teachers from five states attended IEF's Brown (Gonzales,TX),Amy Brown (Doswell,VA), Billie Brown (Chesterfield,VA), Stephanie newest institute in Richmond, Virginia. Brown (Chesapeake,VA), Laura Corraro (Richmond,VA), Evalina Carter (Norfolk,VA), Kevin Reasons the majority of attendees cited Claycomb (Bedford, PA), Cathy Clevenger (Hyndman, PA), Brenda Crawley (Richmond,VA), for recommending this program to other Joseph Ferrel (Chesterfield,VA), Jan Goodin (Chesterfield,VA), Diane Knight (Yorktown,VA), teachers included: "excellent experience Sharon Mason (Ashland,VA), David Miller (Essex, MD), Joseph Missal (McLean,VA),Andrea academically, professionally and Nachmon (Midlothian,VA), Graham Patterson (Baltimore, MD), Nettie Stokes, (Highland socially" and "very valuable for all Springs,VA), Helen Wadkins (Quicksburg,VA), Stephanie Youngblood (Milton, FL), and Clark Youngblood, (Milton, FL) teachers and students." 1.2.1 4 ''CU has been invited to serve as a host school again during 1998 along with five other schools: Des Moines, IA June 14-26 Drake University July 12-26 New York, NY College of Insurance July 12-24 Tuscaloosa, AL University of Alabama July 12-24 Normal, IL Illinois State University California State University, June 14-26 San Francisco, CA Sacramento at San Francisco State July 5-17 Richmond, VA Virginia Commonwealth University Congratulations to the seven students in Illinois (yes, all winners happened to be from two high schools in This past summer, 213 high school teachers completed IEF's Illinois!) who received $1,500 in cash prizes for their Insurance Education Institutes for High School Teachers. Of winning entries in IEF's first annual student contest, The RISK this number, 212 of them stated they would recommend this Challenge. The first place prize of $750 went to seniors Kerry program to others (We gave it our best, but we weren't able to Maloney and Natalie Benson from Peoria Notre Dame High please everyone!)an outstanding endorsement by anyone's School for their brochure for middle elementary students enti- calculator! tled "Insurance: What a Kid Should Know." Second place and $500 went to freshmen Jamie Seger, Denise Thacker, and Ann Weishaar from Belleville Township High School West for their Merchandise For Sale brochure about selecting an insurance company. The third place $250 prize was awarded to seniors Jenny Hancock and uy your own IEF Erica Arnold for their poster about the components of an auto- sweatshirt or t-shirt mobile insurance policy. Jenny and Erica are also from Peoria today! We have Hanes t-shirts and Oneita Notre Dame High School. sweatshirts available in sizes large and extra-large. These ECongratulations are also in order for teachers Marsha Krone from Peoria Notre Dame High School and great-looking shirts are light Tammie Hettenhausen from Belleville Township High gray and made of a durable _ . School West for fostering creative, eye catching, interesting pre-shrunk cotton/polyester contest entries from their students. Well done! Teachers of blend, with a teacher's apple winning students received $100 gift certificates to Barnes & and "Insurance Education Noble. The foundation matches students' cash prizes with a Foundation" displayed check to the high school to be spent at the direction of the proudly on the upper left side of the shirt. T-shirts supervising teacher. cost $10 and sweatshirts cost The second annual contest will be held during the 1997-98 $25. Order today - a limited school year with a few changes in the program: supply is available! Please send your request to the 1. This year the contest is open to students of any high Insurance Education school teacher who has attended one of IEF's summer Foundation, PO Box 68700, Indianapolis, IN 46268- insurance education workshops/institutes. There are 1,322 of you from 49 states! size(s) you desire, and give us 0700, indicate the quantity and 2. The RISK Challenge will be held during the second your mailing address. Make your checks payable to the semester. Contest packets will be sent in January 1998! Insurance Education Foundation. Prices include shipping and handling. re M_padE_ Arson: Protect Yourself Reprinted with permission from SAFECO Insurance Companies: "How to Protect Your Home From Arson." Teachers: This should provide an interactive discussion - juveniles are the majority being arrested for arson, yet it affects everyone. Encourage them to discuss ways to prevent this crime. rson kills more people each year fired, a difficult divorce, child custody erty by taking action. Be alert for suspi- than natural disasters such as proceedings or disagreements. As the cious activity on your property and in urricanes, floods and earth- economy remains weak in specific areas your neighborhood. Arsonists may be quakes - combined. Arson, the inten- of the country, insurance fraud arson looking during the day for locations to tional setting of fire, has been called the continues to increase. Some homeown- start a fire. Call 911 or the police to worst man-made disaster in the nation ers have used arson to collect insurance report suspicious behavior. Become due to its devastating toll on people and to solve their financial problems. This is involved in the fight against arson. property. In a five year period, over $8 especially true if they have purchased a Anytime you see a fire, cooperate with billion worth of property was destroyed, home that is too expensive for their the firemen and police officers, offer any over 3,500 people were killed and thou- income or they have lost their job. The evidence of suspicious behavior, and tes- sands more were injured. Estimates statistics show that people under age 25 tify if the arsonist is caught. Protect place arson growth over the past decade account for 67% of all arson arrests with yourself and your family by making sure at more than 400%. 49% of them children under the age of smoke detectors work. Make a map 18. Many experts believe that if the showing two exits from every room. fires that are classified as accidental or Practice escape routes from inside your of an unknown origin were included, the house. The more aware and prepared actual percentage of juvenile arrests you are, the better protected you will be. could be as high as 80%. Arson is now a major crime, listed by. the._EBI.as, one of the eight major crimes along with murder, robbery, bur- glary and assault. Arson rates are Educating children to understand the highest in serious results of fire is the most impor- large cities, tant step in reducing arson. Juveniles with males comprising are the majority of those arrested for 87% of all arson suspects arson. The average arsonist is not a arrested, according to the near-bankrupt business owner or a Insurance Committee for "hired torch" that arsonist is a child. Arson Control. Civilian All children are fascinated by fire but deaths resulting from these soon comprehend its dangers. fires increased last year by Counseling for the "simply curious" and an alarming 231/2 %. their parents is available and will usually stop the fire setting. Some children may A homeowner is devas- need more counseling to uncover the tated when the family underlying problems that cause this home is lost to fire, and destructive and attention-getting action. especially when a member of the family is injured. Why do people set fires? Vandalism is Knowing that the home the leading cause of arson. The arsonist was selected at random by usually sets fire to a home or car and is an arsonist can make the not trying to kill. Revenge is another loss even more difficult to . . . reason fires are set. The usual reasons handle. You can help pro- . for a revengeful arsonist to act are being tect your family and prop- 1411 re C;M Risk Manager Fact Sheet: A Conversation with a Risk Manager Reprinted with permission from the CPCU Society, Malvern, Pennsylvania Teachers: This article could be shared with the career resource center or guidance counselors at your school. Personal skills important to a risk A professional claims adjuster could also A risk manager's job is: "...to protect provide assistance to the entry level manager include: "... the ability to the corporation from loss by ensuring person." interact. As a risk manager, a person that it has good loss control and safety provides a service to the company, its programs, and solid insurance coverage. A risk manager can expect: "... the people, and its departments. Also, a Risk managers must search out and ana- future of risk management profession to future risk manager cannot want to work lyze the risks involved in a situation. become increasingly global. Risk man- in a very controlled, static environment. Then they decide whether the risks agers will need to relate to more than A risk manager plays a very dynamic, should be retained, insured, transferred just the domestic types of issues and ever-changing role. He or she needs to or refinanced. Risk managers act like exposures..They will be required to be able to adjust to the little last minute in-house brokers for their corporations, have greater knowledge of world issues, problems that always arise. Finally, a selecting policies and deciding which trends, products, and markets." risk manager should be capable of work- coverages their companies should take." ing autonomously. No one comes into One of the most important parts of a the office and gives the risk manager a A risk manager's educational back- risk manager's job is: "... the chal- list of things to do. Risk managers have ground should be: "... heavy in the lenge. A risk manager has a great deal to identify where the needs are and go business field. A four-year college of responsibility for the company's after them on their own." degree in the business field, with safety programs, insurance coverage, finance, law or accounting is a good It's an exciting An entry level risk manager: and the bottom line. start. If the person wants to specialize in position for a person who is willing to "...frequently begins as an assistant to a the loss control area, a heavy mathemati- accept the challenge." risk manager. He or she would learn cal background with a master's in safety - fundamental claims analysis, policy or:industrial hygiene and an environ- review, and basic administrative duties. mental background is preferred." Just For the Fun of It! The indirect cause of the In an attempt to kill a fly, I accident was a little guy in a I I he following are actual To avoid hitting the bumper drove into a telephone pole. small car with a big mouth. of the car in front, I struck the statements found on Yeah, that's _ insurance forms where pedestrian. common. An invisible car came out of drivers attempted to summarize nowhere, stuck my car, and the details of an accident in the vanished. fewest possible words. I had been shopping for plants all day and was on my way I had been driving for 40 home. As I reached an inter- years when I fell asleep at the section, a hedge sprang up, wheel and had an accident. I told the police that I was not obscuring my vision and I did My car was legally parked injured, but on removing my not see the other car. as it backed into the other hat I found that I had a The other car collided with vehicle. fractured skull. mine without giving warning I thought my window was of its intentions. down, but I found out it was up when I put my head through it. The pedestrian had no idea which direction to run, so I ran over him. 1,Ggwng T©L MI,G7G5gh,QT The Jump$tart Coalition for Personal Financial Literacy --I he Jump$tart Coalition for Personal Financial Literacy, a non-partisan partnership of 25 diverse organizations, has come together to increase personal financial literacy among young adults. The goal of this coalition is: erf Juidf$ by the year 2007, all students will have the skills to be financially competent by the time they graduate from high school. They will be taught how to manage a household budget, how to plan for retire- ment, and how a mortgage works. They will be able to establish a good credit his- itself. Members of the coalition plan to ondary and high school teachers and edu- tory, cover their insurance needs, and bal- increase public awareness that personal cators throughout the country. The ance a checkbook. In short, our youth will finance management, like reading or math, Jurnp$tart Coalition is a non-profit organi- be prepared for the everyday financial is a fundamental life skill which should be zation based in Washington DC and repre- realities that face all consumers. taught to the nation's 50 million students sents diverse organizations from govern- in grades K-12. ment, academia, the non-profit sector, and Clearly, many adults lack the skills and other sponsors of educational programs. knowledge to make sound financial deci- The coalition has created guidelines to The Insurance Education Foundation is a sions. Based upon the coalition's survey teach personal finance concepts in schools charter member of Jump$tart. Their web- results, children are headed in the same nationwide. These guidelines incorporate site address is www.jumpstartcoalition.org. direction - unless this cycle stops repeating input from a panel of elementary, sec- Oops! Please Pardon our Faux Pas! The Insurance Educator January 1997 issue stated (in a big red box, no less) "Are you keeping up with your BAC limits? In most states it's not 1.10 any longer." Of course, we meant to refer to a Blood Alcohol Concentration of .10, not 1.10! The statement that fol- lowed our boo boo is still true: "Any individual under the age of 21 with a Blood-Alcohol Concentration of 0.02 percent or greater when driving a motor vehicle shall be deemed to be driving while intoxicated." Fifteen states have made .08 the legal limit: Alabama, California, Florida, Hawaii, Idaho, Illinois, Kansas, Maine, North Carolina, New Hampshire, New Mexico, Oregon, Utah, Virginia and Vermont. LIFE Introduces Next Generation: Insuring Your Future ... a program designed to help teachers educate students about life, health and disability insurance The Life and Health Insurance 21-minute teen-to-teen video, 28-page Foundation for Education (LIFE) has educator's guide, and a classroom poster. The video features six young announced the launch of the Next adults recounting how insurance has Generation program, an educational helped them and their families at initiative designed to teach high times of great financial need. This school students in the U.S. and approach gives students an under- starting next year in Canada about standing of how important insurance the role of life, health and disability is to people of all ages. The educator's insurance. The program is designed guide includes detailed information to enable teachers to better prepare about insurance concepts and the dif- their students for the "real world" ferent types of insurance, reproducible financial decisions they will face after worksheets, a glossary of terms, and a It is also designed for graduation. list of references for additional infor- teachers to incorporate into family and mation. consumer sciences, consumer educa- To obtain your free set of Next tion, life skills, business, economics, Generation materials, simply check social studies, health and financial the Next Generation... box on the planning classes. enclosed order card and return it to and health insurance as inadequate. Why is this program needed? the Insurance Education Foundation. The poll also revealed that educators According to a 1996 survey by LIFE, the Life and Health Insurance strongly endorse such an effort, indi- Careers & Colleges magazine, it was Foundation for Education, was formed in cating that the program would be a found that while the vast majority of 1984 by seven life and health insurance highly effective teaching tool. high school students recognize the groups in the U.S. and Canada in response What materials are in the Next importance of knowing about insur- to the growing need to educate the public ance, most rate their knowledge of life Generation kit? The kit consists of a about the benefits of insurance. "Hwy "irtniayi Insurance Educafdon 7oundation: 1988-199$ Announcing. . . _lhe Insurance Education Nominees must be professional educators Commonwealth University, Richmond. Foundation is proud to announce who have completed an Insurance _ the inauguration of the James L. Education Workshop (Institute) at one of If you are a workshop graduate, you will Osborne Insurance Educator of the Year the following universities: Drake receive further information and an invita- Award. In honor of the organization's University, Des Moines; The College of tion to participate in the same packet as founder this recognition will be presented The RISK Challenge student contest. Call Insurance, New York City; California State to a high school teacher who demonstrates the IEF headquarters with questions at I- University, Sacramento; The University of excellence in providing insurance educa- Alabama, Tuscaloosa; Illinois State 800-IEF-4811. tion to our nation's high school students. University, Normal; or Virginia IRA 9 AVAILABLE BEST COPY as O©L The Next Generation: Insuring Your Future Insurance Education Foundation This kit consists of a 21-minute teen-to-teen video, 28-page educator's 3601 Vincennes Road guide and a classroom poster. More information appears in this newsletter P.O. Box 68700 under "Lessons for the Teacher." To obtain your free kit, simply check the Indianapolis, IN 46268 Next Generation box on the enclosed card and return it to the Insurance (317) 876-6046 Education Foundation. 1-800-IEF-4811 www.ins-ed-fdn.org Fast Lanes: Risky Roads Insurance Education Foundation This 13-minute video with a teacher's guide and student brochures is Staff available at no cost to teachers. The video has been awarded the presti- Robert L. Nancy M. gious CINE Golden Eagle Award, recognized internationally as a symbol Harrison Coleman of the highest production standards in filmmaking and videography. President Executive Director Return the enclosed business reply card to order your free copy and Paige accompanying brochures for students. Thompson Mae Billings Marketing Manager Foundation Assistant Why You Need to Know About Social Security The Insurance Educator New materials are available to teachers that provide information to help Editorial Advisory Board students understand how Social Security is financed and how benefits will be paid now and in the future. Teachers interested in the Social Security Jim Stahly Cynthia Lyle Teachers Kit may order it by writing to: Social Security Teachers Kit, PO State Farm Mutual USAA San Antonio, TX Automobile Insurance Co. Box 17743, Baltimore, MD 21235. Fax: (410)965-0696. E-mail: Bloomington, IL http://www.ssa.gov. 9Z96 .0N 89Z917 NI `sllodrumuI `sllodruu!puI aria 00L89 3041 32msod peou sammoullA 109E .alo 1uau-110N NOL1VaNf103 NOLINDflUa 1DNIVI1f1SNI