Life Expectancy Calculation Expert Witness

EDUCATION & PROFESSIONAL CERTIFICATIONS

1981, MSPH, University of North Carolina at Chapel Hill, Occupational Epidemiology

1979, BA The Johns Hopkins University, Public Health

1998, FALU, Fellow of the Academy of Life Underwriting

2003, ELS, Editor in the Life Sciences

EXPERIENCE

1989 to Present, A Private Consulting Company (Name Available Upon Request)
Principal
Providing risk assessment and market research, financial product and service development, technology selection, risk assessment education and training, and litigation support to multinational clients:

21st Holdings
AOI Communications
ATSET Consulting Group
AVS Underwriting
Bank of America
Calypte Biomedical
Canada Life Reinsurance
Charles Schwab & Co.
Clinical Reference Laboratory
decydeWARE
DMR Consulting
EMSI (formerly PMSI)
Federal Home Loan Bank (San Francisco)
First Health Group Corp. (formerly WinterBrook Healthcare Management)
First Financial Underwriting Services
FaxWatch
General American Life Insurance Co.
Hank George, Inc.
Hooper Holmes Canada
HSBC Insurance Services
CALCULATION Inland Steel
Insure.com
Independent Order of Foresters
LabOne
Life Settlement Consulting & Management
Los Angeles County Crime Laboratories
Materials Management Magazine
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)
PPO Oklahoma
Protective Life Insurance Co.
Quotesmith
RiskGuide
Safe Harbor Resources
Sagicor Financial Corporation
Society of Actuaries
Thomson Management Solutions
Wells Fargo Bank
Xcelerate Corporation

CONSULTING PROJECTS - RISK ASSESSMENT

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 Adaptation of traditional life underwriting manual for simplified life, disability and waiver of premium products. Life Settlement Experience Analysis, 2006 to Present Analysis of life settlement mortality to determine predictive factors.

Life Underwriting Requirements Research, 2004 to Present Developing methodologies and analysis of laboratory data to initiate new products and services.

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 for the top elder settlement life expectancy underwriting service in the U.S.

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.

Risk Assessment Decision Software Development, 2004 to 2005 Product and market development of life underwriting risk assessment 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.

Online Article Search and Sale Facility, 2002 to Present Design and data input of life underwriting trade journal online keyword search and article sale facility.

Life Insurance Market Research Study, 2002 to 2003 Designed, managed and analyzed life insurance survey of business process improvements through the use of underwriting expert system software.

Insurance Inspection Service Market Research Survey, 2000 Designed survey instruments, maintained database, and analyzed client satisfaction in market research study of insurance inspection services.

Design and Implementation E-Commerce Websites, 2000 Designed, programmed and maintained Website for life underwriter education and training, and professional services Websites.

New Business Development Insurance E-Commerce, 2000 Recommended consumer data resources for marketing e-commerce to insurers.

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.

Associate Editor, On The Risk - Journal of the Academy of Life Underwriting
Associate Editor, On The Risk - Journal of the Academy of Life Underwriting
Contributing Editor, On The Risk - Journal of the Academy of Life Underwriting
(Years as Editor for above Available upon Request)

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.

SOFTWARE AND OTHER SKILLS

SAS Mainframe, SPSS Personal Computer
Tissue Culture and Sterile Laboratory Procedures, Gel Electrophoresis
Red Cross First Responder, Volunteer Firefighter

LITIGATION SUPPORT

Available upon request.

PRESENTATIONS

Available upon request.

PUBLICATIONS - INSURANCE

Available upon request.

PUBLICATIONS - BUSINESS, HEALTH & OTHER

Available upon request.

KEYWORDS

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