Actuary Life Expectancy Expert Witness

EDUCATION and PROFESSIONAL CERTIFICATIONS

MSPH University of North Carolina at Chapel Hill, Epidemiology, 1981 BA The Johns Hopkins University, Public Health, 1979
FALU Fellow of the Academy of Life Underwriting, 1998 ELS Editor in the Life Sciences, 2003

EXPERIENCE

Principal, 1989 to Present
Providing life and health insurance and related industries mortality and underwriting research, market research, product development, business development and technology, underwriting education and training, and litigation support to multinational clients, including:

AIG American General Life Cos. American Family Life Insurance Co. AVS Underwriting
Bank of America Calypte Biomedical Canada Life Reinsurance Charles Schwab & Co.
Clinical Reference Laboratory decydeWARE
Drinker, Biddle & Reath Edwards Lifesciences EMSI (formerly PMSI)
Farmers Mutual Insurance Co. FaxWatch
Federal Home Loan Bank (San Francisco) First Financial Underwriting Services General American Life Insurance Co.
Golden Gateway Financial Hank George, Inc.
Health Net of California Heritage Labs
HSBC Insurance Services Independent Order of Foresters Insure.com
LabOne
Life Settlement Consulting & Management Los Angeles County Crime Laboratories MetLife Canada
MIB Group
Millennium Pharmaceuticals Mutual of Omaha
North Coast Opportunities
On The Risk – The Journal of the Academy of Life Underwriting
PartnerRe Life (formerly Winterthur Life Reinsurance)
Pacific Blue Cross PPO Oklahoma
Protective Life Insurance Co. Safe Harbor Resources Sagicor Financial Corporation Society of Actuaries
Thomson Management Solutions 21st Services
Wells Fargo Bank
Western Reserve Life Assurance Co. of Ohio Xcelerate Corporation

Expert witness services provided to the following: Multiple retentions:

Andres, Andres & Moore, Santa Ana, CA Barger & Wolen, Irvine, CA and New York, NY
Carmody Torrance Sandak Hennessey, Waterbury, CT
County of Hawaii, Hilo, HI

David G. Hill & Associates, Glastonbury, CT Hinshaw & Culbertson, Los Angeles, CA Lewis & Roca, Phoenix, AZ
McCue-Pauley & Associates, Dallas, TX Taylor Anderson, Denver, CO
Cozen O’Connor, Wilmington, DE and Philadelphia, U.S. Department of Justice
PA
Donahue Horrow, El Segundo, CA Expert witness brokers:
AMFS / Medical Experts Nationwide Consolidated Consultants
Insurance Expert Network ForensisGroup
LITILI

Single cases:

Andrews Kurth, Dallas, TX
The Bainbridge Law Firm, Plymouth Meeting, PA Bolt Keenley Kim, Berkeley, CA
Busse, Busse & Grassé, Chicago, IL Campano Law Group, Lancaster, CA Carlin & Buchsbaum, Long Beach, CA Carlton Fields, Washington, DC
City of Torrance, Torrance, CA
Cohen Johnson Parker Edwards, Las Vegas, NV Corr Cronin Michelson Baumgardner Preece, Seattle, WA
Coughlin Law Firm, San Diego, CA Crammer, Bishop & O’Brien, Absecon, NJ
Daniels, Fine, Israel, Schonbuch & Lebovits, Los Angeles, CA
Deitchman & Deitchman, Placerville, CA DeKoter, Thole, Dawson & Rockman, Sibley, IA Demas Law Group, Sacramento, CA
Didriksen Saucier Woods & Pichon, New Orleans, LA
Dressler Law Office, New Haven, CT Egan & Pechtel, Kennewick, WA
Wilson Elser Moskowitz Edelman & Dicker, Los Angeles and San Diego, CA

Medical Advisors, Inc Medical Consultant Services The TASA Group
Thomson Reuters Expert Witness Service

Epstein Becker & Green, Los Angeles, CA Evan Freirich, Boulder, CO
Fairchild, Price, Haley & Smith, Nacogdoches, TX Fallgatter Farmand & Catlin, Jacksonville, FL Ferguson, Skipper, Shaw, Keyser, Baron & Tirabassi, Sarasota, FL
Friedman, Rubin & White, Anchorage, AK Gilchrist & Rutter, Santa Monica, CA Graves & King, Riverside, CA
Greenberg Traurig, Denver, CO
Greene Broillet & Wheeler, Santa Monica, CA GWC Injury Lawyers, Chicago, IL
Hanna, Campbell & Powell, Akron, OH Hansen Reynolds, Milwaukee, WI
Head Law, Murray, UT
The Healy Law Firm, Chicago, IL Hoagland, Fitzgerald & Pranaitis, Alton, IL Diana Holt, LLC, Columbia, SC
Jardine Law Office, DeForest, WI Kent D. Jensen Law Office, Burley, ID
Johnson Schachter & Lewis, Sacramento, CA Kantor & Kantor, Northridge, CA
Katten Muchin Rosenman, Los Angeles, CA Kennedy Johnson Schwab & Roberge, New Haven, CT
Keogh, Cox & Wilson, Baton Rouge, LA Kitch Drutchas Wagner Valitutti & Sherbrook, Detroit, MI
Knapp Petersen Clarke, Glendale, CA Koch Degn & Gomez, Visalia, CA
Law Firm of Roger “Rocky” Walton, Arlington, TX Law Office of Andy Basseri, Beverly Hills, CA

Milavetz Gallop & Milavetz, Edina, MN Morris Polich & Purdy, San Francisco, CA Morrison Mahoney, Hartford, CT
Myers & Gomel, Las Vegas, NV Nicholas & Tomasevic, San Diego, CA Norton Rose Fulbright US, Houston, TX Ogden Murphy Wallace, Seattle, WA
Pettiette, Armand, Dunkelman, Woodley, Byrd & Cromwell, Shreveport, LA
Pyle Sims Duncan & Stevenson, San Diego, CA
Law Offices of Benjamin Blakeman, Los Angeles, CA Rawlings Law Firm, Sioux City, IA
Law Offices of Robert A. Brenner, Woodland Hills, CA
Law Office of Sean Brew, San Diego, CA
Law Offices of James Matthew Brown, San Diego, CA
Law Offices of Clyde I. Butts, Walnut Creek, CA Law Offices of Michael Jay Green, Honolulu, HI Law Offices of Steven C. Laird, Ft. Worth, TX
Renaud Cook Drury Mesaros, Phoenix, AZ Riverside County Public Defender, Riverside, CA Roberts Carroll Feldstein & Pierce, Providence, RI Rutan & Tucker, Costa Mesa, CA
Saur Law Office, Laguna Hills, CA
Schumacher Francis & Nelson, Charleston, WV Segal and Kirby, Sacramento, CA
Seyfarth Shaw, Chicago, IL
Law Office of Katherine MacKinnon, St. Louis Park, SGH Martineau, London, England
MN
Law Office of Stephen W. Penn, Morgan Hill, CA Law Office of Charles M. Ray, Newport Beach, CA Law Office of Kenneth U. Reyes, Los Angeles, CA Law Offices of Cary T. Tanaka, Honolulu, HI
Law Office of Edward J. Thomas, Bakersfield, CA Lederer Weston Craig, West Des Moines, IA Littler Mendelson, San Jose, CA
MacMorris & Carbone, Stockton, CA Magdalena Law Group, San Jose, CA Daniel Q. Mahone, Frederick, MD Marks Gray, Jacksonville, FL
McArdle, Frost & Brinton, Chicago, IL McCollum Crowley Moschet Miller & Laak, Minneapolis, MN
McDermott Will & Emery, Chicago, IL McDowell & Osburn, Manchester, NH McFall Burnett & Brinton, Manteca, CA
Shook Hardy & Bacon, Kansas City, MO Shun Chen Law Office, Irvine, CA
Sigelman Law Corporation, Beverly Hills, CA Smith, Gambrell & Russell, Jacksonville, FL Smith Hulsey & Busey, Jacksonville, FL
Snell & Wilmer, Phoenix, AZ
South Carolina Commission on Indigent Defense, Columbia, SC
Stanley Law Offices, Syracuse, NY
State of Alaska Department of Corrections, Anchorage, AK
Stennett & Casino, San Diego, CA TroyGould, Los Angeles, CA Vaka Law Group, Tampa, FL
Warner, Sechrest & Butts, Gainesville, FL Webb Bordson Law Group, San Diego, CA Whitfield & Eddy, Des Moines, IA
David K. Wilson & Associates, Sherman, TX
McGinn, Montoya, Love & Curry, Albuquerque, NM Winters & Associates, San Diego, CA
Meyers McConnell Reisz Siderman, Los Angeles, CA Yoder, Ainlay, Ulmer & Buckingham, Goshen, IN

Consulting Projects – Underwriting

Life Underwriting Requirements Research, 2004 to 2017 Provided methodologies, analysis and write-up of insurance testing laboratory data to initiate new products and services. Conducted cohort mortality studies to improve life underwriting risk assessment.
Life Policy and Procedures Manual, 2014 Revised and updated life insurance policy and procedures manual based on current underwriting and business operations.
Health Medical Underwriting Manual, 2010 Adapted medical underwriting manual for supplemental health insurance products.
Structured Settlement Underwriting Manual, 2008 Developed underwriting manual for structured settlements based on current processes.
Life Claims Audit, 2007 Performed random selection of cases and designed case data extraction sheet for large life insurance claims study.
Critical Illness and Disability Income Training, 2006 Prepared and presented training to life underwriters in critical illness and disability income underwriting.
Underwriting Manual Research and Writing, 2006 Adapted traditional life underwriting manual for simplified life, disability and waiver of premium products.
Life Settlement Experience Analysis, 2006 Analysis of life settlement mortality to determine predictive factors.
Life Underwriting Research, 2001 to 2003 Constructed life tables from medical literature to validate life underwriting guidelines. Produced quantitative and qualitative life underwriting manual guidance.
Life Settlement Underwriting Research, 1998 to 2004 Provided model and design of automated life expectancy calculation system, data collection instruments, evaluation scoring and impairment risk factor weights.
Insurance Services Product Development, 1997 to 1998 Provided analysis of disease mortality, incidence and prevalence to develop new insurance services product.
Pension Underwriting Research, 1994 Provided biostatistical research basis to a multinational consortium for a new type of impaired risk European pension product.

Consulting Projects – Business Development and Technology

Simplified Products Survey and Report, 2005 Conducted survey of top-selling simplified products for underwriting and business process lessons learned.
New Business Process Review and Optimization, 2004 to 2005 Examined current life new business processes to identify opportunities for decreasing redundancies, handoffs, and inefficiencies.
Underwriting Decision Software Development, 2004 to 2005 Product and market development of life underwriting software that uses advanced logic engine
Freelance Writing and Editing, 2004 Editing and writing summaries of medical articles, medical conferences, and insurance topics for physicians and consumers.
Underwriting Operations Annual Report, 2004 Assisted in editing, writing and analysis of metrics presented in life underwriting operations report for 2003.
Business Process Improvement, 2003 Interviewed underwriting and business support staff to prepare future improvement in life insurance business process workflow.

Consulting Projects – Banking

Enterprise Technology Plan, 2000 Collaborated on design of three-year technology plan for a Federal bank.
Financial Services Experience Analysis and Strategy, 1995 to 1998 Provided statistical analysis and models to select business and consumer customers for acquisition and retention programs. Estimated bank account life expectancies using actuarial life table methods.
Human Resources Automation Plan, 1993 Collaborated in development of plan and prototype for automated human resources management.

Certificate of Appreciation for 30 Years of Contribution, On The Risk – Journal of the Academy of Life Underwriting, May 4, 2016
Associate Editor, On The Risk – Journal of the Academy of Life Underwriting, 2004-Present Contributing Editor, On The Risk – Journal of the Academy of Life Underwriting, 1994-1997

Kaiser Foundation Health Plan, Oakland, California Medical Economics and Statistics, 1988 to 1989
Converted community-based pricing approach to experience-based rating for a $2.5 billion premium enterprise. Conducted underwriting market study of 20,000 employers. Conducted analyses to determine competitive pricing for 2+ million member optical and pharmaceutical programs.

Transamerica Occidental Life Insurance Company, Los Angeles, California New Business Underwriting Research, 1985 to 1988
Provided analysis of company data and medical literature to support management and underwriting decisions. Developed original methods for actuarial analyses now used for automated systems underwriting
$1.5 billion in annual business.

Lincoln National Reinsurance, Ft. Wayne, Indiana Underwriting Research, 1982 to 1985
Provided analysis of company data and medical literature to support management and underwriting decisions.

University of North Carolina, Chapel Hill, North Carolina Department of Biostatistics, 1981 to 1982
Performed statistical analyses for multinational clinical trials.

National Institute of Occupational Safety and Health, Cincinnati, Ohio Industrywide Studies Branch, Biometry Section, Summer 1980
Performed proportionate mortality analysis of death certificate data for evidence of excess brain tumors among petrochemical workers. Performed analysis of medical records for evidence of excess birth anomalies among railroad workers exposed to dioxin.

 

PUBLICATIONS and PRESENTATIONS Available on full CV