Developed the first widely available standard term life insurance for those living with HIV. Created a regulatory compliant digital distribution methodology that permitted consumers living with HIV to self identify, qualify and apply for coverage on-line.Specialize in creating digital distribution platforms (often in co-operation with relevant groups and associations) in specific demographic market verticals and horizontals. Executive with a demonstrated history of working in the financial services industry. Strong operations, business development and value creation professional, skilled in: securities; asset management; equities & equity derivatives; financial risk management & mitigation, and insurance.