With more than 20 years of experience in life and disability insurance, this expert witness provides analysis and testimony in matters involving underwriting practices, claims handling, agent supervision, and insurance industry standards. Their litigation-related work includes extensive expert witness involvement in disputes concerning standard of care, bad faith, suitability, fraud, and misrepresentation, with experience spanning more than 200 life insurance-related matters for both plaintiffs and defendants, including depositions and courtroom testimony, and a record of never being disallowed as an expert.

Drawing on deep operational experience, their expertise includes underwriting of life insurance applications across the full lifecycle, including evaluation of medical histories, risk classification, and coordination with corporate underwriting teams. They have been directly involved in the underwriting of thousands of applications, including high-risk cases, and are well versed in industry-standard underwriting processes such as medical record collection, background investigations, and risk assessment. Their knowledge extends to detailed analysis of claims handling practices, including review of insurer decision-making, claims manuals, and adherence to established industry standards.

A central component of their work involves claims investigation and recovery, including direct involvement in the recovery and resolution of death claims exceeding $35 million and participation in matters involving more than $60 million in total claims across numerous insurers. Their experience includes obtaining and analyzing medical records, financial documentation, and investigative materials, as well as working closely with insurers’ claims departments, legal counsel, and investigative teams. This work has provided extensive insight into internal claims processes and standards governing approval, denial, and dispute resolution.

A distinguishing credential in their profile is designation as a Life and Disability Analyst, one of only a small number of professionals holding this distinction, reflecting advanced expertise in life and disability insurance practices. They also hold a Life and Health Insurance License and have served as an approved insurance instructor, delivering training on life insurance and annuity products. This expert holds a Master of Business Administration and a Bachelor of Science in Electrical Engineering and maintains professional affiliation with the American Bar Association as a non-attorney member.

In leadership roles, this expert has served as President and owner of a full-service life insurance brokerage firm, managing relationships with more than 25 carriers and overseeing brokerage operations, product placement, and dispute resolution. Prior roles include regional and managerial positions with responsibility for underwriting oversight, agent supervision, and regulatory compliance, including hiring, training, and supervising large teams of insurance agents and registered representatives, and managing high volumes of applications and client matters in compliance with state insurance regulations.