Expert 359686 - CA(S)


Expertise Description

I have more than 20 years experience in life and disability insurance matters, and I specialize in death claims, disability claims, underwriting, agent standard of care, supervision, insurance industry standard practices, insurance industry custom and practice, suitability, and complex transactions. I have been directly involved in the recovery of over $35 million of death claims from several dozen carriers. As an employee of a major life insurer for 13 years, I hired, trained, and supervised the sales activities of 200 agents. I have underwriting experience and am well acquainted with industry standards and practices. I have been an active insurance agent since 1991. I am designated as one of only a few Life and Disability Analysts. As an expert witness I have been named in over 80 matters, testified in several courts, never been disallowed, and have given many depositions.

Areas of Expertise


Expert Witness

My expert witness experience includes Standard of Care, Bad Faith, Suitability, Fraud, and Misrepresentations. Because of my industry background I have offered opinion on a wide-range of topics. They include; billing and notification, agent standard of care, death claim fairness and practices, insurable interest, underwriting standards and practices, agent contracts, product suitability, agent misrepresentation, supervision, premium financing, stranger owned life insurance, as well as others. I have been admitted for trial testimony in state and federal courts in California and Texas. I have given expert opinion in 15+ states. I have never been disallowed as an expert.


Consulting Experience

My consulting services include Brokerage of insurance contracts to insurance agents; Negotiation disputes between policyholders and insurers for death claims and policy matters; Processing of life and annuity applications, contracting, supervision of agents, advisory on product design, management of complaints; Classes taught include: Life Insurance Basics, Understanding Variable Life Insurance, Life Insurance in the Business Market, and Annuities.


Professional Experiences

I have offered expert witness services since 2008. Additionally, I held FINRA securities licenses from 1992 to 2013. I was a Sales Manager and Regional Director for 13 years. I continue to be an active life and disability agent since 1991. I am a Life and Disability Analyst in the great state of California.


Relevant Experiences

I have experience in disability matters and claims.


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Licenses Certifications

Series 7 License from FINRA

Series 24 License from FINRA

Life and Health Insurance approved Instructor

Series 63 License from FINRA

CA Department of Insurance approved instructor

Primary Affiliation

National Association of Insurance & Financial Advisors



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