Helping to shape digital insurance marketing for over 20 years. Thought-leader, innovator and seasoned professional, with 35+ years of experience in the Life Insurance industry. In 2002, one of my companies, Spectrum Direct, brokered the first 100% digital, direct-to-consumer, online life insurance policy. We called it Digital Life Insurance. I have been using digital technology as the driving force behind new product development, marketing programs and delivery systems in the life insurance vertical ever since.Digital Life Insurance national sales & marketing programs under my leadership produced many millions of term life premium. This has been accomplished in cooperation with HSBC Insurance, Fidelity Life, Liberty Life, Inviva and others. Relied upon by New York Life, AIG, GE Capital, Nationwide Life and other major financial institutions for assistance with product development and national marketing programs. Led my company onto the Inc. Magazine 5,000, List of America's Fastest Growing Companies four times. Recipient of Fidelity Life's "George V Award" as well as the Small Business Development Corporation "President's Award."Guest presenter at the Life Insurance Marketing Research Association (LIMRA), Society of Actuaries National Meeting, the Enrolled Actuaries National Meeting, the Institute for International Research as well as the International Business Forum. I am a Charter Member of the Life Insurance Direct Marketing Association (LIDMA).