Actuary Long Term Disability Insurance Group Life Expert Witness

Provides Opinion & Testimony In:

Actuary, Actuary Life Insurance, Health Insurance, Actuary Disability Insurance, Actuarial, Reinsurance, Arbitration, Life Insurance, Fire Insurance, Actuary Collection, Insurance Premiums, Testimony, Health Insurance, Disability Insurance, Short Time Disability Insurance, Long Term Disability Insurance, Group Life Insurance, Dental Benefits Insurance, Actuary Domestic Life Insurance,


1968 Yale University, B.A. in Philosophy

1972 Successfully completed the examination requirements for Fellowship in the Society of Actuaries (F.S.A.) The Society is the education and research organization in North America for actuaries engaged in life, health, and pension benefit matters.


1968 through 1982 Employed by Connecticut General Life Insurance Company (the predecessor of CIGNA Corporation) in positions of increasing scope and responsibility, including

1968-1970 Actuarial student, pension valuation

1970-1971 Actuarial assistant, financial reporting and annual statement preparation

1971-1973 Senior actuarial assistant, reinsurance pricing and product development

1973-1980 Associate Actuary responsible for pricing, experience analysis and product development for group insurance operations, including life, health, dental and short term and long term disability insurance

1980-1982 Director of Corporate Development, responsible for planning and research for mergers and acquisitions

Employed by Tillinghast, a Towers Perrin Company, from 1982 through 1990, in its Hartford, CT office, as a consulting actuary.  Clients served were primarily life and health insurance companies and related organizations.  Client responsibilities included a variety of actuarial functions, primarily related to individual and group life, health, disability and dental insurance, including pricing, product development, valuation of liabilities, valuation of companies and books of business, strategic analysis, actuarial analysis of liabilities of continuing care retirement communities, and assistance to insurance departments.

Employed as a consulting actuary in independent practice from 1990 through present.  Serving a wide range of clients in the individual and group life and health insurance industry.  Client responsibilities include pricing and product development, advice on management and underwriting of group life, health, disability and dental coverage, competitive analysis, assistance to insurance departments, valuation of liabilities, expert testimony, and arbitration.

Notable assignments include: Assisting a company with selling a subsidiary that sold group life and long-term disability insurance.  This involved review of pricing, product design, valuation of liabilities, administration, underwriting, and claims administration, and negotiation with prospective and actual buyers’ representatives.

Developing underwriting rules and procedures, designing a structured claims study and developing a computer-pricing model for a company writing group and individual health products throughout the Caribbean.

Developing underwriting procedures and an underwriting manual for a major Blue Cross plan.
Performing an actuarial review of pricing and underwriting for a company specializing in student health insurance programs.

Developing actuarial analysis methods and systems for a major HMO.

Serving as appointed actuary for a dental benefits insurance company.

Assisting a company with developing the successful proposal for underwriting a major government agency dental insurance program.

Conducting a review of the special risk reinsurance block for a major reinsurer.

Assisting state insurance departments in regular financial examinations of domestic life insurance companies.

Assisting a state insurance Commissioner in the review of a proposed HMO merger.

Review of methodology, assumptions and application for reserves held by a major writer of group life and disability products.

Small group reform market conduct examinations on behalf of a state Insurance Department


Fellow in the Society of Actuaries (F.S.A.)

Member of the American Academy of Actuaries (M.A.A.A.)

Fellow, Conference of Consulting Actuaries (F.C.A.)

Member, Society of Actuaries Group Mortality and Morbidity Committee

Member, Joint Conference of Consulting Actuaries and American Academy of Actuaries Committee on Continuing Care Retirement Communities

Liaison for Conference of Consulting Actuaries to American Academy of Actuaries Committee on Long Term Care Insurance

Member, Health Section, Society of Actuaries – since inception

Member, Disability Special Interest Group, Society of Actuaries – since inception

Expert Testimony, Arbitration, Civic and Other

Available upon request


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