The Pace

What would you say is the most attractive proposition about working in the insurance industry and what positive message do you have for the membership about the future of the industry?

What makes the insurance industry stand out are the opportunities that exist regardless of what type of work you do. An insurance company depends on a variety of people in different professions and disciplines to be successful. Many people who work in insurance find that they can move around within an organization and use their skills in a variety of areas.

Our industry focuses on looking forward and determining how we can best anticipate the needs of the customer. What is most exciting for the future of our industry is that as the business continues to evolve, new and exciting roles are being introduced that are driven by technology, changing consumer needs and global impacts. This has opened the door to even more career options in the industry than ever before, that did not exist when I first started my career. It's a great time to join the industry as there are endless options to consider, and different pathways you can take to make a lifelong career out of it!

Why do you think a career in insurance is exciting/rewarding?

I believe the best part about working in the insurance industry is the positive impact you have on people's lives in protecting what matters most to them. An insured family that suffers a loss, whether from a natural disaster, fire or theft can be restored back to where they were before the event happened, and you play a key role in helping them get there.

In this business, we regularly encounter people who have lost their vehicle to theft or a collision, or who have lost their homes to a flood or fire. While each of these scenarios are difficult and complex to navigate, it's gratifying to know you helped someone or a family recover when the unimaginable happens.

What would you say are some of the top/most interesting roles in insurance today and why?

The changes we're seeing in technology and innovation have led to some of the most fascinating roles in any industry, especially in insurance. For example, Data Scientist, Analyst and Product Manager roles deliver products leveraging artificial intelligence (AI) and generative AI. From enhancing claims processing to automated underwriting, fraud detection and risk management, AI ultimately broadens our offering to fit the needs of customers and their preferred channel of choice.

These roles have become extremely important for companies who want to stay ahead of the curve. They help streamline operations, enhance decision-making and most of all, improve the customer experience. I predict we'll see more of these opportunities arise throughout the industry as we dive deeper into examining the personalization of policies and as predictive analytics become more sophisticated.

How has the world of work changed in the past 5 years in the industry? What challenges and opportunities have occurred because of it?

In the last five years, our industry has seen an increase in the appetite for technological advancement, which has brought several opportunities. Like many other industries since the Covid-19 pandemic, we've embraced the concept of hybrid work and the flexibility that comes with it.

The greater acceptance of technology has also led to changes to how we work with regulators. For example, electronic proof of insurance rather than having physical cards became accepted across Canada over the past five years. Doing business online has also become much easier for customers. Not only can customers purchase their policy online, but they can also open and settle a claim making the process faster and more streamlined than ever before.

An increase in severe weather events has become a challenge for insurers over the years. Due to the increased intensity and severity of catastrophic weather events taking place from coast-to-coast we need to shift our focus on how we can do more for customers. There is an opportunity here for insurers to innovate and analyze the products offered to provide the best coverage in this changing landscape.

How does the industry’s “talent gap” present opportunities for insurance professionals?

As our workforce ages, companies should be implementing robust succession plans to attract top talent and prepare the next generation of leaders. It is up to the leaders in our industry to create pathways and training for young professionals who are entering the workforce. Employers should be purposeful in their actions to not only find the right talent, but to promote the benefits and endless opportunities that a career in insurance offers.

Creating internship programs and stronger affiliations with post-secondary institutions will go a long way to finding the right people for the roles you need to fill. And in turn, those seeking a career in insurance should participate in professional development organizations like the Insurance Institute of Canada and engage in networking opportunities to better understand how they can bring their talent and skillset forward to fill the gap and the needs of the business.

Many people say they “fell into” insurance as opposed to planning to have a career in insurance. How can the industry attract more people — whether new entrants or career changers — to actually pursue a career in the insurance industry?

I was deliberate and pursued a career in insurance as an actuary, but this hasn't always been the case with many of the talented professionals and leaders I've met throughout my career. Many leaders bring different and unique perspectives, and they are proof that you can excel in this field without a background geared specifically to insurance.

A common misconception that people have about insurance is that it's boring, but for those who have worked in this industry know it's the exact opposite. Insurance is exciting, it's people-focused and dynamic, and there are several different avenues you can take to learn, grow, and make a lifelong career.

It's important that we promote opportunities in the 'traditional' sense for instance in claims, underwriting and sales, but also highlight other areas of opportunity in operations, project management, marketing, and beyond to attract those looking to make a career change. Insurance provides diverse opportunities, with high earning potential, professional growth and development and flexible work options. If you're looking for a stable and rewarding career with room for growth, I highly recommend a career in this industry.

Carol Jardine, FCIP, ICD.D and past recipient of the Insurance Institute of Canada’s National Leadership Award (2022), reflects on her career and the vital role of education and leadership in the insurance industry. As the CIP Society’s National Leadership Awards are now open for nominations, this conversation highlights the importance of recognizing and fostering outstanding leaders who shape the future of the industry.

You received the National Leadership Award from the Insurance Institute of Canada three years ago. Now that you’ve retired, how do you reflect on that recognition, and what lasting impact has it had on your career and legacy?

First, it’s always an honour to be recognized by your peers in the industry. For me, the biggest honour was reading the letters that people had submitted in support of my nomination. As a leader, you try—if you’re a good leader—to do the right things for people every day, but you’re never quite sure. People don’t come up to you after a decision and say, ‘Hey, that was great leadership.’ Though they may question a decision. So, to read the letters from people who I consider good leaders and people who I led, submitted to the Insurance Institute, supporting me for that award, was incredibly positive feedback.

The Insurance Institute award sits in a very prominent position in my office. Now, even in retirement, when I’m working on a Board or consulting, and still trying to positively influence the insurance industry, I look at that award and think, “OK, you were a positive influence and recognized as a leader by your peers. You are still that person today, so keep leading.”

Why do you believe award programs like the National Leadership Awards are important for the insurance industry, particularly in recognizing leadership during times of change and challenge?

Awards in any industry are important. In our industry, historically, not everyone has been as proud of being in insurance as some of us. For those of us that are proud of our industry and the contributions we make to protect Canadians, we think it’s important to acknowledge those people who are extraordinarily impactful in a positive way.

Awards like this, when we can nominate people and whose peers want to recognize their leadership, it goes a long way to making our industry prouder of itself. Look at the leaders that we’ve created—look at the impact that they’ve had. And the Insurance Institute award is uniquely given by the educational arm of the industry, which means it’s more factual and impactful versus other awards that may be seen as populist.

Looking back on your career, what do you think the industry needs most in terms of leadership today, especially with evolving challenges like climate change, technology, and shifting consumer expectations?

Leadership means doing things that may not always be seen as consensus-building or acceptable. My fellowship taught me that organizational behaviour is a key to understanding others, understanding yourself, and being a better leader. Leadership is about doing things that others aren’t prepared or willing to do.

For example, I joined the ICLR Industry Advisory Committee in the late 1990s because, as a scientist by training, I knew climate change was going to be a problem. I’ve been actively involved in ICLR activities, often taking positions that others wouldn’t take. Leadership today means looking at issues important to society and insurance companies, finding solutions, and having a voice—even when others might stay quiet. We need leaders who focus on helping people prevent and prepare, not just react when bad things happen. That takes leadership and courage, and it’s more important now than ever.

Since retiring, how do you view the future of the insurance industry, and what advice would you give to emerging leaders who will shape its direction in the years to come?

I’m really positive about the future. We’ve never had a more highly educated workforce. When I started in 1976, a university degree was an exception. Now, for many roles it is mandatory. The Insurance Institute courses have come a long way, and people who want a fulsome career understand they need to continue their education to be effective as leaders. We’ve also never had a more diversified workforce. Look at the number of female CEOs and leaders who are visible minorities or of different orientations. The industry is now more reflective of the communities we serve, though there’s always room to improve.

The focus is shifting toward prevention and risk management—helping communities before disasters happen, not just paying claims afterward. The next generation of leaders is highly educated, socially aware, and willing to have tough conversations. I’m optimistic because they’re prepared to take on these challenges and continue improving the industry.

As someone who has witnessed the industry’s transformation over the years, how do you think the role of leadership has evolved, and what can future leaders learn from your experiences?

Leadership today involves taking bigger risks than ever before. For example, smaller companies face tough decisions about technology, data security, and competing in the future. Leaders must make bold decisions, such as merging or consolidating, which are not always popular.

Social media also brings challenges, with unfiltered negative talk about the industry. Leaders need to be the positive voice and have honest conversations. For example, when people question why insurance companies won’t cover risks in high-risk areas like wildfire zones, leaders need to explain the difficult realities of risk, be it risk management or the underwriting of risk.

Throughout my career, I’ve chosen not to stay quiet when I see issues that need addressing. Leadership is about standing apart, taking positions that benefit society and insurers, and embracing the responsibility to educate and act. We have leaders who are willing to take bold steps to tackle today’s challenges and let’s continue to honour them.

Know a leader making a difference? Nominate them for a CIP Society of Canada’s National Leadership Award and celebrate their contributions to our industry.

Phase two of “Project Reframe,” our national, bilingual, multi-media, insurance career rebranding campaign is currently in-market, running from January 27 to May 31, 2025. Phase one vastly surpassed all expected performance metrics, while building strong awareness and positive sentiment for our industry amongst career seekers.

“This historic p&c career rebranding campaign was conceived together with industry task force partners to address the talent gap. The time has come to reset outdated perceptions of p&c insurance careers and take back the narrative of what careers in our dynamic industry offer,” said Peter Hohman, President and CEO of the Institute.

“The goal is to guide and support new entrants in making purposeful choices to join our welcoming industry. To do this, the campaign expresses a modern industry at the forefront of today’s technology and key issues such as AI, climate change and cyber risk, where rewarding careers are inherent in this strong and stable industry,” said Hohman.

Phase two targets career changers, new graduates and newcomers to Canada via paid digital channels including LinkedIn, Meta, Instagram and TikTok Influencers, as well as programmatic, retargeting and an extensive out-of-home network of high-resolution digital ad placements. It also reflects amped-up social media influencer contributions and new search engine marketing campaign elements. We aim to awaken new audiences where they live, work and play.

Our campaign microsite provides ongoing p&c career support for those who engage with our campaign, through an ongoing new entrant career lead-nurturing program.

An advertising toolkit is available upon request to our industry partners who wish to help amplify the message.

Feel free to use this hashtag to join us at the intersection where #PurposeMeetsPassion and by supporting campaign messaging when you encounter it.

To view the English :30s video ads, please visit the campaign micro-site at PurposeMeetsPassion.ca

To view the French :30s video ads, please visit the campaign micro-site at DonnerUnButALaPassion.ca

The Insurance Institute of Canada's multi-media, national ad campaign: CIPs are Prepared for More, has recently wrapped. The campaign ran from January 20 – March 2, 2025, in English and French markets. Its goal was to remind Canadian consumers what it means when they see your CIP designation. The campaign leveraged an entirely new suite of TV ads and digital creative assets to convey this message in fresh and dynamic ways.

“Our promotion utilized a wide array of advertising assets to convey your premium CIP brand value, using precision targeting in contextually relevant ad spaces,” said Peter Hohman, President and CEO of The Insurance Institute of Canada. “Some areas where the ads ran included TV spots and premium Digital Video placements, in various creative formats. While you invest in your expertise, we will continue to invest in you to demonstrate that Chartered Insurance Professionals are educated to the highest professional standards, with the latest knowledge of the property and casualty industry. It’s important to demonstrate this to consumers for added assurance when protecting what matters most to them.”

In English Canada, the extensive campaign included ads on the CBC News Network, including :30s TV ads that ran in the morning rotation, and spots on TSN and Sportsnet. Adding further multi-media dimensionality, the campaign featured extensive digital assets leveraging Bell Media’s SAM Digital Video placements, CBC Digital Video ads, as well as programmatic video that utilized predictive targeting and real-time data signals for impressively timely and precise audience reach, regardless of device or location.

In French Canada, the campaign leveraged CBC/SRC Digital Video to present our :15s & :30s ads, in tandem with programmatic video that utilized sophisticated predictive targeting and real-time data signals, for precision in audience reach with contextually relevant messages.

In addition, the IIC’s fresh and easy to navigate website landing pages conveyed the message that CIPs are recognized as the industry’s benchmark of professionalism. It also communicated the message of the contemporary and comprehensive industry knowledge, possessed by CIPs, who are trained to the highest of ethical standards. Check out the landing pages here:

English: www.preparedformore.ca
French: www.preparespourlavenir.ca

We invite you to experience the :30s ad spots in English and French here:

The Times They Are a Changing - :30s English Spot

The Times They Are a Changing - :30s French Spot

What does it take to be a leader in Canada’s p&c insurance industry, both now and into the future? What skills and competencies are needed, not just for C-suite roles but for leaders at all levels of an organization? And how can those skills and competencies be fostered?

These are some of the questions the Institute’s academic team will be considering as they embark on a review of the FCIP (Fellow Chartered Insurance Professional) program.

The pinnacle of insurance education in Canada, the FCIP program focuses on developing business skills and strategic thinking for current and future leaders in the p&c industry. It launched in its current form in 2010 and produces about 40-50 graduates a year.

Tailored application

FCIP graduates can be found right across Canada’s p&c industry, from small local brokerages to large adjusting firms, and from insurtechs to long-established insurers and reinsurers. Within their organizations, FCIP graduates apply their leadership skills at varying levels, including in roles as technical leads, team leads, portfolio leads, directors and senior vice presidents.

While all six FCIP courses are mandatory, the final two courses in the program allow participants to tailor their learning to their own interests and career focus, making the experience highly applicable to a wide range of p&c roles.

The Capstone course is particularly versatile: participants complete an independent leadership-level project and are encouraged to pick one that will further the goals of their organization. If they do, their employer has an opportunity to provide input into the mark; and all candidates also deliver a final presentation to a panel that includes representation from the p&c sector – all in the interest of ensuring that FCIP graduates can apply their learning to the real-world needs of the industry they work in.

One step ahead

So far, so good – so why launch a review of the program?

“The FCIP program has been serving the Canadian p&c insurance industry very well,” says Nazlin Hirji, Vice President of Programs for the Insurance Institute. “But like other sectors, the insurance industry has undergone significant changes in recent years – largely driven by technology (things like the growth in online sales, use of big data, developments in AI) but also by changes that impact insurance products and claims (climate change, cyber risk) and the general business environment (such as pandemic impacts and geopolitical changes). We want to ensure the FCIP keeps pace with changing industry needs and priorities.”

Most well-managed designation programs undergo a comprehensive review at regular intervals – and in fact, the Institute recently completed an extensive review of the flagship CIP program and is in the final stages of making updates to its curriculum, learning resources and assessments.

“With the CIP review process wrapping up, this is an opportune time to take a look at the FCIP program to ensure that it too remains well-aligned with the learning priorities of p&c professionals and industry leaders,” says Hirji. “It’s part of the Institute’s commitment to continuous improvement across our programs and products.”

Outreach and input

The FCIP review project is expected to unfold in several phases. The initial research phase got underway in January and will run for about a year. This phase will include multiple opportunities for Institute members and industry leaders to share their perspectives on the FCIP program and on key leadership competencies. Outreach tools will include surveys, focus groups and interviews.

If you receive an invitation to participate in this research, please consider doing so – your input can help to shape the future of the FCIP program and the industry’s leaders.

And in the meantime, if you’re not yet familiar with today’s distinctive, p&c-focused FCIP program, you can learn more here: www.insuranceinstitute.ca/en/Programs/FCIP

Property and casualty insurance has a multitude of career opportunities in a variety of settings. When connecting with insurance professionals, you soon discover that there are almost as many routes through the industry as there are people who work in it.

Continuing our series on the many roles available in the industry, we recently chatted with Joel Bobb, Claims Specialist at AXIS.

Getting Started

I have always enjoyed helping people, and every role I held before my insurance career revolved around this passion. Once I gained an understanding of the insurance industry and the purpose of insurance, it was a no-brainer that this would be a good fit for me. More specifically, working in Claims gives me the opportunity to step in and help people during some of their most challenging times. It is very fulfilling to know I can positively impact someone’s life when they need it most.

My Role

As a Claims Specialist at AXIS, a typical day involves reviewing a variety of claims, while also coordinating with brokers, counsel, other insurers, and colleagues on claim matters. Beyond managing claims, I am also involved in marketing meetings and events, mediations, and pre-trials, which adds variety to my work.

What makes this role unique is the people I get to work with. Throughout my career, I’ve encountered some of the most amazing and supportive individuals, from industry organizations to my past and current employers. Their encouragement has played a significant role in my personal and professional growth.

Education & Growth

My bachelor’s degree in business administration has helped me develop skills to analyze information and manage different stakeholders with varying expectations. Completing my CIP designation further strengthened my understanding of the fundamentals of the industry as well as its business aspects. These qualifications have been crucial in navigating the complexities of claims and working effectively with various stakeholders.

Apart from my education and courses, I actively engage with the insurance community through roles such as:

• Ambassador for the Young Insurance Professionals of Toronto (YIPT)
• Ambassador and committee member of the Canadian Association for Black Insurance Professionals (CABIP)
• Toronto delegate and executive committee member of the Ontario Insurance Adjusters Association (OIAA)

These affiliations have allowed me to expand my network and develop skills such as public speaking, communication, marketing, and event planning, all of which have contributed to my professional growth.

One of my career successes is becoming a trusted and reliable resource within the insurance industry. Colleagues often seek my guidance, advice, and opinions on various insurance matters, which reflects the relationships I have built over the years. This success comes from my focus on understanding both the technical aspects of the industry and the importance of building strong relationships.

Advice for Young Professionals

Before I migrated to Canada in 2016, I was at an intermediate stage of my previous career. However, once I got here, I had to restart my career from the beginning. Initially, I felt discouraged because I had worked extremely hard to get where I was. But I used this as motivation to work twice as hard to establish myself as a competent and reliable insurance professional. I completed my CIP designation, volunteered to assist in other departments within my company to gain more exposure to different types of claims, attended countless webinars and seminars, and volunteered with various insurance organizations, all of which definitely accelerated my progress within the industry.

With that in mind, take the time to learn and explore the insurance industry. Claims is a dynamic field with limitless opportunities for personal and professional growth. Seek out mentors, attend seminars, and ask questions—it’s the best way to build your skills and gain confidence. Whether your interest lies in auto, property, casualty, or specialty, learning the fundamentals is crucial.

Most importantly, remember that working in Claims is about helping people. We are the service that insurance sells. If you are passionate about problem-solving, assisting others, and tackling challenges, this could be the perfect career path for you.

Looking to fill a slot in your spring professional development calendar? There’s still time to register for the brand-new CIP elective course C25: Data in Insurance.

The new course provides an introduction to the uses of data in insurance, examining how insurers increasingly rely on data to transform processes such as customer service and sales, underwriting and rating, claims, risk management, and fraud detection and prevention.

Insurance companies have always relied on data to spread risk and remain profitable. Now, with the volume of available data increasing and analytical models growing ever more advanced, data has the potential to be a powerful tool for the industry – and the potential to raise new risks and ethical considerations.

C25: Data in Insurance is not just for tech specialists; it’s designed for insurance professionals across Canada’s p&c insurance industry and is relevant to many roles. Applications for Continuing Education (CE) credit recognition are underway in applicable provinces.

The course is offered through independent study, and in instructor-led online formats through local Institutes and chapters (subject to availability). Spring courses get underway in April.

Further information:
www.insuranceinstitute.ca/en/Courses/CIP/C25

On January 1, 2025, the Institute launched its coast-to-coast national licensing campaign across a variety of digital channels, including Google’s search, display and performance max ad space, to assist individuals in accessing education to support their careers as licensed p&c professionals.

“The campaign creates awareness and ease of access to our vital licensing education in markets across Canada. Our materials empower licensed learners to gain competencies required to assist clients. In turn these licensed brokers, agents, and adjusters serve the needs of the industry and their communities by ensuring their coverage needs are met, should the worst happen,” says Peter Hohman, President and CEO of the Insurance Institute of Canada.

The campaign is another way we are bringing industry newcomers and seasoned professionals together seamlessly with the most current licensing resources and guidance required to acquire or maintain their provincial or territorial insurance licensing. IIC licensing also allows students the option to write their licensing exams remotely, and in a virtually proctored format, whilst providing flexibility and scheduling options outside of working hours.

Find out more about our licensing options by entering the provinces(s) you are interested in into the drop-down box at the bottom of the Licensing overview page.

Every February the Insurance Institute of Canada marks National Education Month taking the opportunity to celebrate the crucial role ongoing education plays in the robustness of the p&c insurance industry.

The theme for 2025 is “Pathways to Success,” and it ties into the Institute’s broader talent gap initiatives: Project Reframe, Enabling Skills and the Accelerated Competence series.

Project Reframe

Our national, bilingual, insurance career rebranding campaign is a seminal effort to attract new talent to the industry. Insurance is often prey to outdated stereotypes about what the industry looks like. The Reframe campaign has been designed to challenge these views head on, to awaken new audiences to the concept of dynamic p&c careers and showcase insurance as a career of choice. Phase two of the initiative launched on January 27 and runs until May 31, 2025, building on the huge successes of phase one. The audience focus will continue to be career changers, new graduates and newcomers to Canada.

We hope to see continued take up of our Toolkit crafted specifically for industry partners who wish to support amplification of the message.

Enabling Skills

The Institute works hard to keep the CIP program on the industry cutting edge. It was for this reason that an Enabling Skills component was added. This series of self-paced online learning modules explores crucial workplace skills vital to insurance professionals.

The modules specifically support increasingly in-demand competencies such as business acumen, interpersonal communication, customer service, ethics, and professionalism. These skills are often referred to as “soft” or “transferable.” The competencies include digital fluency and data management, and while they are touched upon in the CIP program, Enabling Skills has allowed us to increase the scope.

Accelerated Competence Series

This self-paced, five module online program serves as both a knowledge refresher for professionals at any stage of their insurance career and a helpful introductory course for new hires with limited prior knowledge of insurance. It is designed to be quick and flexible.

All these initiatives, in addition to efforts by local Institutes and chapters, support the Institute’s broader goal of continuing to provide those in the industry with numerous pathways to success.

Unlock your next step in insurance education with CIP Society bursaries!

The CIP Society is excited to offer two bursaries to help CIP Society members further their insurance education—covering the cost of tuition, textbooks, and exams! Whether you're in the FCIP/ACIP programs or pursuing Risk Management, Commercial, or MGA certificates, we've got you covered. Dependents of CIP Society members are also eligible to apply for the bursary.

Apply for the Rhind Bursary by May 31 for the chance to receive full support for your next course!

It’s Almost Membership Renewal Time Again!

Your membership year runs from June 1 to May 31, and at the beginning of May, we’ll be sending out your 2025/2026 Membership Renewal Notices. Be sure to renew your Institute membership promptly, it enables you to continue advancing towards your educational goals and remain eligible for exciting professional development opportunities along the way. As well as this, we keep you updated with the latest industry knowledge, news and events to continue growing your career.

If your employer participates in our MemberDirect Membership Renewal Program, you might not receive an invoice yourself, as your HR team will be handling it. If you do receive an invoice, or if you are a member who is billed individually for your renewal, please respond promptly—we appreciate it. Make sure to keep your employer information and other contact information on your profile up to date, to ensure you receive your renewal invoice. Continued active membership will ensure that service interruptions are avoided and that you always have access to the latest industry knowledge.

Keep in Touch

Have your contact details changed? Help us to keep you up to date.

The Insurance Institute is here to help you enhance your professional life and keep you abreast of all the latest industry knowledge and exciting new opportunities. We’re always developing new seminars, courses, and events for industry professionals. However, to ensure we’re able to keep you in “the industry loop,” we need to have your current contact details.

Have you changed jobs? Do we have your e-mail address?

If you haven’t received anything from us in e-mail for a while, chances are we have either an incorrect e-mail address, or no e-mail address at all.

To update it, just click here to go to “My Account,” on Student Resources dashboard. Under My Profile, you will see that you can easily edit your contact information. And while you’re there, you could research, register, and pay for courses, seminars, and events too.

Goodbye, Winter, Hello—Exams!

Students have the option to write their exams through virtual proctoring, or in person at one of the Institute’s examination centres.

Examinations in either format will be offered April 1 through April 15.

Virtual proctoring involves a live virtual proctor observing you taking your exam through your webcam. The virtual proctor will also help you troubleshoot any technical issues if necessary.

In-person exams can be written at your local institute office, or at a select few additional third-party centres. Select your exam centre when you book your exam. Book early if you wish to write your exam in-person as capacity at these centres is limited.

Always schedule your exam immediately after registering for your course(s). Upon exam registration, a booking confirmation email will be sent to you. Your exam details can also be found in the exam portal once you have scheduled your exam.

Three hours are allowed for each CIP subject and two hours for GIE subjects.

For more information about examinations, please visit our exam information page.

Good luck!

Fun fact: AI can predict whether a car is repairable after an accident, enabling claims adjusters to make quicker, more informed decisions and even find the best mechanic for the job in real time. Want to know more? Read "Artificial Intelligence: Emerging technologies and ethical questions for the insurance industry" in a recent issue of the CIP Society's Quarterly Review.

Fun fact: Did you know this? In 2024, the Insurance Institute of Canada administered over 17,000 exams. It’s true! In fact, that roughly translates to over 33,000 exam hours that you have collectively written. Your dedication to your industry is nothing short of amazing!