Academy of Insurance and Bill Wilson

Academy of Insurance and Bill Wilson partner to bring you this can't miss insurance education event.

When Words Collide 12-part webinar series with Bill Wilson

Comprehensive Twelve-part Webinar Series

When Words Collide: Resolving Insurance Coverage and Claims Disputes

Bill Says:

The "When Words Collide" book represents my 30+ years of experience in assisting agents get denied claims paid at a success rate in excess of 90%.

In this webinar series, I will reveal exactly how I've done this by addressing various principles and practices illustrated by dozens of real-life claims.

We agree! You are absolutely going to love this complete learning experience.

The Academy of Insurance is thrilled to have partnered with Bill to present this monthly series.

He is going to walk you through his time-tested method of helping people understand their insurance policies - AND helping them to get their claims paid - AND to understand clearly why a claim might be legitimately denied.

webinar series

Insurance policies are complicated.

Insurance policies are complicated. Further complicating life is the simple truth that two people can read the same document and interpret it differently (sometimes very differently.)

Join us as Bill walks us through a twelve-part masterclass in understanding, explaining and resolving insurance claims.

You get to hear from Bill monthly all year and by the end of the year, you'll be a better insurance professional.

Here's the outline:

  1. How to Resolve Insurance Coverage and Claims Disputes
  2. Why Claims are Denied
  3. Two Ways to Deal with Claims Disputes: Avoidance and Resolution
  4. Avoiding Claims Disputes: Prevention
  5. Resolving Claims Disputes: Advocacy
  6. Resolving Claims Disputes: Step 0
  7. Resolving Claims Disputes: Step 1 The RTFP Doctrine
  8. Resolving Claims Disputes: Step 2 Other Policy Interpretation Doctrines
  9. Resolving Claims Disputes: Step 3 Document the Interpretation Part 1
  10. Resolving Claims Disputes: Step 3 Document the Interpretation Part 2
  11. Resolving Claims Disputes: Step 3 Document the Interpretation Part 3
  12. Resolving Claims Disputes: Step 4 Plead Your Case
webinar series

Here's how it works.

We'll meet monthly on a live webinar with Bill. He'll unload a wealth of knowledge.

Each session will include time for Q&A. This alone is worth the price of admission.

A couple days later you'll get the recordings of the session that you can review anytime and as often as you like.

webinar series

There are three ways for you to get this series.

webinar series

#1 You can sign up for each session individually at $99 each. That's a value of $1,188.

Find the individual sessions list below.

#2 You can purchase the whole package today for $397.

You'll have access to each month's live training, plus the recordings to look back on anytime you need it.

webinar series
webinar series

#3 You can become an Academy member for $279 and get access to this and the rest of the Academy's catalog, too.

Have you decided your whole team needs this? Email Patrick and we'll give you a reasonable discount.

Want to see more?

Here's a look at what you're going to get. (I wasn't kidding when I told you Bill was going to unload a wealth of knowledge!)

webinar series

Month 1:
How to Resolve Insurance Coverage and Claims Disputes

This introductory webinar provides a complete overview of the principles, processes, and procedures for successfully resolving coverage and claims disputes. Learn why claims are denied, two essential ways to deal with claims disputes, insurance policy interpretation doctrines, legal and contractual principles that can be used outside the courtroom to resolve disputes without litigation, and a 4-step process for claims resolution.

Learning Objectives:

  • Understand the evolution of claims resolution and why a structured approach is more essential today than ever before.
  • Learn why insurance is not a commodity and how to explain this critical truth to customers in the face of insurtech competition and incessant price-focused industry advertising.
  • Develop an arsenal of interpretive skills based on critical legal and contractual doctrines and principles that can be used to resolve well over 90% of all coverage and claims disputes without litigation.
  • Apply a proven 4-step method that has been used by the presenter to successfully resolve insurance coverage and claims disputes for over 30 years.

Month 2:
Why Claims are Denied

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This webinar, using multiple real-life claims examples, examines the four principal reasons claims are denied, ranging from 'cranial inversion' to legitimate differences of opinion, and how to explain to other parties why there is or isn't coverage and convince them that your interpretation is the 'correct' one.

Learning Objectives:

  • Identify four (4) reasons claims are denied.
  • Be able to explain why a claim is or is not covered to all parties involved, especially the policyholder.
  • Learn, using practical real-life examples, how to persuade other parties that a claim is or is not covered.
  • Understand the importance of preventing, as opposed to resolving, claims disputes.
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Month 3:
Two Ways to Deal with Claims Disputes: Avoidance and Resolution

This webinar introduces the two most productive means of contending with claims disputes –avoidance (via prevention) and resolution (via advocacy).

Learning Objectives:

  • Learn what the movies War Games and Road House have to do with insurance coverage and claims dispute resolution.
  • Identify seven (7) ways agents, brokers, consultants, underwriters, adjusters, and risk managers can avoid claims disputes.
  • Discover the two (2) foundational premises that the entire insurance industry is based on.
  • Understand how the insurance industry can better represent and market its products to insurance consumers.

Month 4:
Avoiding Claims Disputes: Prevention

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This webinar focuses on the details of the means of avoiding/preventing claims disputes, from policy form drafting to exposure analysis and the insuring process, based on the 3 primary sources of coverage gaps.

Learning Objectives:

  • Identify seven (7) ways agents, brokers, consultants, underwriters, adjusters, and risk managers can avoid claims disputes.
  • Learn how to distinguish ISO from non-ISO forms and identify and correct problematic policy form language.
  • Discover, using real-life claims examples, how disputes can be avoided by properly insuring known exposures.
  • Understand how coverage gaps are perpetuated by a failure to QC policy deliverables.
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Month 5:
Resolving Claims Disputes: Advocacy

This webinar lays the foundation for the remaining seven webinars in the series by introducing five (5) knowledge and skills areas that govern the resolution of coverage and claims denials, including enumerating a 4-step process for reversing claims denials and advocating on behalf of insureds.

Learning Objectives:

  • Understanding the role of the agent as an advocate for both the policyholder and insurer.
  • Appreciating the duty and importance of reading and understanding policy forms via the introduction of the "RTFP!" Doctrine.
  • Discover how to access policy form regulatory filings and use this information to resolve coverage and claims disputes.
  • Identifying educational and reference resources to dispel the 'knowledge by folklore' trap.

Month 6:
Resolving Claims Disputes: Step 0

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This webinar bridges avoidance and advocacy by enumerating statutory and good faith principles for claim declination and reservation of rights letters, including the citation of unfair claims settlement practices.

Learning Objectives:

  • Discover that the 4-step process of claims resolution actually begins with a 'Step 0.'
  • Learn how to head off claim denials by insisting on proper claim declination and reservation of rights letters.
  • Identify what proper claim declinations should and should not include.
  • Explore the legal constraints that govern reservation of rights letters.
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Month 7:
Resolving Claims Disputes: Step 1 The RTFP Doctrine

This webinar addresses Step 1 of the 4-step claims resolution process and stresses the importance, whatever your role in the insuring process (underwriter, agent, adjuster, etc.), in reading and comprehending the policy form(s) in dispute.

Learning Objectives:

  • Understand the critical importance and inculcate the 'RTFP!' Doctrine into your business practices.
  • Answer the question: "Does an insuring agreement apply?"
  • Answer the question: "Is the claimant an insured or otherwise entitled to coverage?"
  • Answer the question: "Do any exclusionary provisions apply?"

Month 8:
Resolving Claims Disputes: Step 2 Other Policy Interpretation Doctrines

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This webinar addresses Step 2 of the 4-step claims resolution process and reviews a dozen policy interpretation doctrines that govern coverage perceptions and interpretations and lay the foundation for the specific legal and contractual principles used in Step 3 to document coverage interpretations.

Learning Objectives:

  • Recap six (6) policy interpretation doctrines covered in webinars earlier in the series.
  • Explain why insurance policies are usually contracts of adhesion and how this impacts the burden of proof for or against coverage.
  • Understand the misuse or misunderstanding of concepts like "the devil made me do this" and "weasel words."
  • Be able to develop compelling arguments for or against coverage using Logic and Language.
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Month 9:
Resolving Claims Disputes: Step 3 Document the Interpretation Part 1

This webinar introduces a 3-part segment of legal and contractual principles often used by attorneys to resolve contract disputes that can also be used by agents and others without resorting to litigation. Included are policy language intent, the insured's reasonable expectations for coverage, and the parol evidence rule vs. the use of extrinsic evidence to determine intent and expectations.

Learning Objectives:

  • Identify seventeen (17) principles that can be used to resolve coverage and claims disputes.
  • Explore in detail, with real-life examples, up to a half dozen legal and contractual principles of claims resolution, from insurer intent to the appearance of illusory coverage.
  • Learn what, if any, extrinsic evidence can be used to support coverage or a claim denial.
  • Understand why all of these doctrines and principles are interconnected such as 'contract of adhesion' vs. 'unconscionable advantage' and 'insurer intent' vs. insured 'reasonable expectations.'

Month 10:
Resolving Claims Disputes: Step 3 Document the Interpretation Part 2

webinar series

This webinar, using multiple real-life claims examples, examines the four principal reasons claims are denied, ranging from 'cranial inversion' to legitimate differences of opinion, and how to explain to other parties why there is or isn't coverage and convince them that your interpretation is the 'correct' one.

Learning Objectives:

  • Identify four (4) reasons claims are denied.
  • Be able to explain why a claim is or is not covered to all parties involved, especially the policyholder.
  • Learn, using practical real-life examples, how to persuade other parties that a claim is or is not covered.
  • Understand the importance of preventing, as opposed to resolving, claims disputes.
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Month 11:
Resolving Claims Disputes: Step 3 Document the Interpretation Part 3

This webinar explains the mother of all claim denials – ambiguity – and the difference between semantic and syntactic ambiguity, stressing the importance of two little known legal doctrines, nositur a sociis and ejusdem generis.

Learning Objectives:

  • Understand the role and value of documenting your interpretation via authoritative support from case law, statutes, and expert opinion.
  • Learn how to apply powerful legal principles to resolve coverage ambiguities which comprise the heart of many, if not most, claim denials.
  • Discover what policy features are most often subject to ambiguity, from definitions to perils and exclusions to other policy provisions and considerations.
  • Identify at least nine (9) types of exclusions that have been found to be ambiguous.

Month 12:
Resolving Claims Disputes: Step 4 Plead Your Case

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This webinar explains HOW you convince the adjuster that a claim is covered, examining the balance between the role of policy language and the role of logic and reason, then wrapping up the entire series by returning to the original webinar which identified the two fundamental premises of claims resolution.

Learning Objectives:

  • Understand the significance of Language vs. Logic in developing a compelling argument for or against coverage.
  • Revisiting the movie Road House and how 'Dalton's 3 Rules' apply to dispute resolutions.
  • Learn how to appeal a claim denial to higher or outside authorities.
  • Understand the role of professionalism in preventing and resolving coverage and claims disputes.

satisfaction guaranteed

Don't forget! You have our promise that if you're not 100% thrilled with this series, we'll give your money back to you. No hoops to jump through. No forms to fill out. Just let us know and we'll get you a refund immediately.

Remember that you're getting:

  • Bill's lifetime of insurance expertise.
  • Personal stories about how he has helped his customers better understand their policies.
  • A process for helping other people.
  • A deeper understanding of insurance policy language.
  • You'll finally know what RTFP means.

With all that you get, you also get our promise that we want to make you happy.