1. Detecting medical conditions through eye exams 2. Benefits of detecting problems early 3. Medical conditions that can be detected early through vision exams 4. Children and vision-related learning issues 5. Tips for better vision 6. Importance of education

1. The front of the eye 2. The back of the eye 3. Telemedicine - definitions, types, purpose, trends, etc.

• Understand Gen Z values and how leaders and organizations can respond • Engage all generations in collaboration and communication for results • Strengthen culture by prioritizing overall health and wellbeing • Future-proof your organization by developing high-performing employees from Day 1

Introduction and Objectives Establish Baseline Benefit percentages, Maximum benefit, Duration, Waiting period Gainful Occupational Contractual wording Definitions Eligibility Role of Vocational rehabilitation Specialist Skills analysis and functional capacity exams Availability of gainful occupational Geographical area Relocation expectations Employee refusal to return to work Indexing Define Earning test with and without LTD Positioning Points Pre-Ex Prudent person language Treatment free period Self-reported Conditions Definition of Disability Own Occupation All duties loss Income loss Any Occupation Expected or potential earnings Mandatory Rehabilitation Program Refusal to participate

Ethics Importance and Public Trust Ethics Importance in AI and Insurance Public Trust and Industry Perceptions AI in Insurance Brokerage How AI is Transforming Brokerage – Common Uses and Benefits Benefits and Opportunities – Efficiency vs. Oversight AI Ethical Risks and Regulatory Guidance Bias, misrepresentation, privacy, over-reliance NAIC Model Bulletin Iowa IID Guidance NIST AI Risk Framework FTC NAIFA Codes of Ethics Core principles and relevance to AI AI Enforcements in the News (relevant to insurance industry as well) DoNotPay – FTC Enforcement - Inaccurate and Misleading Chatbot Cigna – Algorithmic Denial Lawsuit Recent Iowa Disciplinary Actions Submitting fraudulent life insurance applications Submitting fraudulent claims and failing to cooperate with IID’s investigation Denied reissuance application Misrepresentation and fraudulent auto insurance policies Best Practices and Why Ethical Agents Win

Why is oral health important? Why teeth are important Connection to general health Diabetes Heart Disease and new relationship with American Heart Association Pregnancy and childhood Menopause Alzheimer’s Common Dental Problems & How Addressed by Benefits Cavities (Caries) Gum Disease (Periodontal Disease) Preventive Measures Dental Sealants Fluoride Home/Self care Dental Insurance trends Total Dental Insurance enrollment Commercial dental benefits by plan type Coverage trends Medicaid/ Medicare Key Points for decision makers Dental benefits make sense Impact of market pressures on benefits Value of Dental Insurance Savings with network utilization Insured twice as likely to have a dental visit Example of in and out of network costs Self-care common questions Type of toothbrush Dental cleaning frequency Inter-dental cleaning (floss versus ‘machine’) Dental adjuncts Current dental consumer trends Artificial intelligence and digital diagnostics Tele-dentistry and remote consultations Minimally invasive dentistry Fluoride under attack Dentistry in the future

What are floaters? Two types Why does vision change during pregnancy? Can our eyes tell anything about TBIs? Saccades and versions Do blue light blocking lenses work? What is Myokymia? Treatment? stress fatigue What can be done for retinal detachments? Optos Dilation How do I treat my dry eyes? ointments vs drops What drops are available for: Presbyopia Lid lifts Darker Lashes What hearing loss treatments are available?