Insurance And Finance Expert Witness CA(N) 128590

Expertise Description

I have more than 25 years experience in Insurance and Finance. My expertise includes: standard of care involving representations, presentations, sales and placement of life insurance products by licensed agents and Registered Representatives (who sell life and annuity products qualifying as “securities”); supervision issues of broker dealers and their registered representatives; suitability issues surrounding the sale of securities by registered representatives; assessing and evaluating life insurance policy illustrations for sustainability of the underlying insurance products; stochastic analysis (“Monte Carlo”) of variable life and annuity products; inappropriate sale of financial plans utilizing life insurance products, such as so-called welfare benefit plans (419(A)(f)(6)) and fully insured pension plans (412(i)); illustration and use of “premium financing” to support large premium / death benefit policy sales; “Stranger Owned Life Insurance” sales; and “Life Settlement” sales. I have over 15 years expert witness experience with consultations, deposition, and courtroom testimony.

Areas of Expertise

Expert Witness

My expert witness experience includes: Mis-sold life insurance, health insurance, disability insurance, and annuities; Standards of care for insurance agents and brokers; Life insurance policy illustration misrepresentation; Mis-sold insurance damage assessment; Financed life insurance premiums (i.e. promising free life insurance); Welfare benefit plans (i.e. promising deductible life insurance premiums).

Consulting Experience

My consulting experience includes: determining client's genuine insurance needs; assisting in selecting an insurance broker; facilitating review of medical records before being submitted to an insurance company; reviewing of existing policies for independent, objective opinion of sufficient premiums; premium sufficiency calculations for variable life insurance using Monte Carlo analysis.


MBAFinance and InsuranceUniversity of California Berkeley

Licenses Certifications

Licensed for consultation on life
long term care
and annuities.
Variable product license (consultation).
Accredited Estate Planner
Chartered Life Underwriter

Awards & Affiliation

Kenneth Black
Jr. Leadership Award
Society of Financial Service
NAEPC Estate Planning Hall of Fame
Best Paper Award
Academy of Financial Services

Primary Affiliation

Society of Financial Service

Partial List of Consulting Expert Witness Cases