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Life Insurance Variable Annuities Disability Income Expert Witness

Provides Opinion & Testimony In:

Life Insurance, variable life insurance, variable universal life insurance, universal life insurance, traditional life insurance, VL, UVL, UL, quick pay premiums, whole life insurance, paid up life insurance, 4 pay premiums, EIA, FIA, equity indexed annuities, fixed index annuities, fixed rate annuity, Variable Annuities, VA, bad faith, false advertising, sales materials, sales illustrations, ledger sheets, field underwriting, twisting, churning, unsuitable products, unsuitable recommendations, inappropriate products, replacement, 1035 Exchange, Waiver of Premium, Flexible Premium Adjustable Life, Disability Income, cash value, dividends, illustration projections, policy loan, permanent insurance, term insurance, temporary insurance, annuitization, surrender charges, policy loan, cash withdrawal, Accidental Death, Disability Waiver Benefit, Annuity, MIB, quick pay, Financial Needs Analysis, estate planning, business continuation planning, buy sell agreements, beneficiary, damage calculations, profit loss calculations, internal rate of return, return on investment, cap, interest disintermediation, participation rate, federal income taxes, incontestability, disability, future value, present value, immediate annuity, deferred annuity, tax deferred annuity, annuitant, investment, sub accounts, mutual funds, market value adjustment, contract value, guaranteed minimum cash surrender value, dividends, flexible premium deferred annuity, accumulated interest, 10 year certain life, proceeds, life annuity, life annuity with 10 year certain, installment refund life annuity, joint last survivor annuity, fixed period annuity, mortality tables, morbidity tables, interest rate cap, indexing method, point to point, required minimum distribution,

LIFE INSURANCE, VARIABLE ANNUITIES, DISABILITY INCOME EXPERT WITNESS


Expert No. 930

Florida

Cases

A Testifying & Education Expert Witness for FINRA, STATE, and FEDERAL cases.

‘Bad Faith’ involving false advertising, misrepresentation and omission of material information for Universal Life Insurance, Disability Income and Waiver of Premium.

Statute and Regulation violations regarding Replacement / 1035 Exchange of Variable Life Insurance and Annuities.

‘Bad Faith’ actions regarding Life Insurance claims and sales of Equity Indexed Annuities.

Unsuitable Recommendation regarding Deferred Variable Annuity + Immediate Annuity combination.

Churning / Twisting Mutual Funds & Variable Annuities with similar Variable Annuities.  

“arbitrary and capricious” decisions by the insurance company regarding Waiver of Premium Benefits and Cash Value and Death Benefits.

1035 Exchange of Annuities & Universal Life Polices to the detriment of the policy holders.

Professional Accomplishments

Consistent top 5% of sales managers w/ Prudential & Pruco Securities
Continuing Education Instructor ‘Ethics in the Market Place’.
In-House / Agency Compliance Manager Prudential / Pruco Securities.
Instructor / Sales training for insurance & securities products.
Awarded C.L.U. academic designation in insurance and financial planning.
Expert Witness for 14 years in 100 + cases.
                                   
Private, CLU
Florida
1996-2009
Expert Witness RE: Variable Annuities, Variable Life Insurance, Disability Income.  
                       
Safe Harbor Asset Protection Agency                   
Florida                                   
2005-2007                                   
Variable Annuities, Variable Life Insurance, Disability Income.

Allapree Securities                           
Florida                                   
6/1995-12/1995                                   
Variable Annuities, Variable Life Insurance, Disability Income.                                                   
Private, CLU                           
Florida                                   
11/1994-6/1995                                   
Variable Annuities, Variable Life Insurance, Disability Income.
                                   
A.G. Edwards                           
Florida                                   
12/1993-11/1994
Registered Rep / Sales

Travelers Equities Sales               
Florida   
9/1993-12/1993                               
Registered Rep / Sales                                   
Variable Annuities

Wittner & Company                           
Florida                                   
1/1993-12/1993
Regional  V.P Wholesaler

Private, C.L.U.                           
Florida                                   
1/1991-1/1993                                   
Variable Annuities, Variable Life Insurance, Disability Income.

Pruco Securities                               
Texas / Florida                               
4/1982-1/1991                                   
Registered Rep / Sales, Variable Annuities, Disability Income

Education

American College                           
Bryn Mawr, Pennsylvania
C. L. U.                              

Southwestern                                
Fort Worth, Texas   
M. R. E.                        

Western Kentucky University                       
Bowling Green, Kentucky                           
B. A.           

Groups

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