• Provide expertise in life and health underwriting and new business process with an emphasis on profitability, customer service and creative decision making
• Consulting on product design, underwriting opinions for life and critical illness products
• Developed procedures manuals, training manuals and help negotiate reinsurance treaties
• Responsible for the overall company mortality for the following companies, Colonial Life Trinidad, Nassau, Guyana, Faith Life Financial Waterloo, Ontario, Family Guardian Nassau Bahamas
• Underwriting analysis, and underwriting relief for Guardian Life, Trinidad, Sun Life Canada
• Developed claims committees, and offered opinions on contestable claims.

• Accountable for the overall profitability of Life Underwriting for Individual Insurance Operation. Direct reports 20 Underwriters, 1 Manager, 1 Business Analyst; Indirect reports: 8 u/w and 2 managers
• Member of Senior Management Team for the development & execution of competitive pricing and market strategies
• Responsible for quality of Reinsurance, MIB Processes & Internal Audits Documented all Underwriting process to compliance standards (OFSI) and privacy issues.
• Project managed the proposed automated underwriting process where the inter-relationships of all key systems were evaluated: Ingenium, NBUW, TAI, Siebel, FASAT, NBUW & MIB
• Negotiated Reinsurance Treaties and Service Level Agreements with third party vendors.
• Designed in conjunction with all areas of the business a Preferred Underwriting program for Top Producers. Combined programs with other marketing initiatives such as Annual conference
• Responsible for attending and presenting to National Accounts, top brokers and MGA’s across Canada
• Accountable to a 15 million dollar New Business budget
• Responsible for implementation of new process in both underwriting and administration
• Responsible for contestable claims, and participating in dispute resolution and mediation

• Responsible for new business underwriting process enhancements and improvements, Results: 25% staff reduction, while sustaining an increase in new business volumes of 25% and a service time of 4 hours on 70% of our new business and 98% within 8 hours
• Responsible for the successful design & implementation of a Vendor Automated Medical Evidence Program whereby 7,000 pieces /week of manually processed medical evidence are now automatically processed. Results: Cycle time reduced by 2 business days, 40% reduction in error rate, 20% increase in productivity, 50% increase in response time

• Accountable for branch operations including budgeting and staffing
• Drafted a procedure’s manual and implemented policies and procedures.
• Analysed management reports and prepared strategies to improve time service and cost management.
• Developed relations with agents, brokers and insurance personal.
• Travelled throughout Ontario doing branch presentations on customer service and product enhancements.

• Accountable for all U.S. underwriting.
• Developed, and implemented policies and procedures for NAL's entry into the U.S. Marketplace.
• Rendered underwriting expertise in special products such as Disability, Long Term Care, Major Medical and Out of Country Medical Products.
• Provided underwriting consulting, training and reinsurance underwriting.
• Audited TPA’S for underwriting accuracy, ensuring they comply with NAL’S policies and procedures.
• Liaison between underwriting and distribution on issues such as service standards, grievances or general inquiries.

• Automated underwriting and issue by providing enhancements to the New Business System investigated expert systems and implemented Tele-underwriting.
• Drafted policy issue and life insurance application forms to satisfy individual State Compliance and Regulatory Insurance Boards.

• Customised and supported an automated underwriting system.
• Completed underwriting research projects using regression analysis and statistical data utilising Focus and Lotus programs.
• Underwrote structured settlements for impaired ratings.

• Effectively and efficiently underwrite life insurance eligibility.
• Evaluated risk with regard to such factors as health, finances, morals, family history, drinking habits, environment and occupation using various sources such as medical and credit reports and existing policies

• Disability and Life Insurance Underwriter (Feb 86 - Oct 87)
• Supervisor of New Business (Jan 85 - Feb 86)
• Claims Processor (July 83 - Dec 84)

Personal Development

• York University - 1982, B.A. Economics.
• LOMA Parts I, II, III, IV, IX, X (selection of Risk)
• Health Insurance Association of America (HIAA)
• Academy of Life Underwriting - Certificate Part I

Memberships/Committees

• Canada Life Global Chief Underwriting Team: The Teams objective is to determine best practices, sharing of information, design of world wide testing policy and Underwriting Standards
• HealthNet Board of Directors
• Sat on various claims committee’s offering opinion on contestable claims
• NAL Corporate Compliance, Audit, Internet and Health Risk Management Teams.
• 2000-2002 CIU Executive, Membership Director

Accomplishments

• 1994 Service Excellence Gold Award, NAL.
• 1996 Inducted to the Toronto Insurance Softball Hall of Fame.
• 1990 Ontario Amateur Baseball Association MVP.

References available upon request.