Responsible for the development of a national life actuarial consulting practice. Completed actuarial and financial analysis assignments for various clients. Served as appointed actuary for 3 life insurance companies. Developed traditional life and preneed life products.Health Insurance Experience:- Mergers & Acquisitions • Kentucky health insurance company – Assisted with the unsuccessful acquisition of an Illinois life insurance company- Product Development • Kentucky health insurance company – Juvenie Life Insurance and Simplified Issue Life Insurance for Health Insurance Clients

Owner and founder of national life actuarial consulting practice. Completed actuarial and financial analysis assignments for various clients. Among those assignments was the maintenance of the following health insurance lines for clients: individual major medical, individual hospital indemnity, individual long-term care, individual disability income, individual Medicare supplements, group major medical, and credit disability income. Maintenance included rate filings and reserving for all the product lines. Served as the appointed actuary for 7 companies. Served as the illustration actuary for 3 companies. Served as the chief actuary for 7 companies. Developed universal life, term, traditional life, preneed life, annuity, individual disability income, individual long-term care, and credit disability income products.Health Insurance Experience:See information above for Van Elsen Consulting, 2009 - Present.

Managed the following departments: actuarial, underwriting, policyowner services, annuity services, compliance, and model office. Served as the company's chief actuary. Included the development and maintenance of individual long-term care product line. Served as the company's appointed actuary. Served as the company's illustration actuary. Key part of management team that successfully issued an IPO for the parent company. Developed universal life, term, traditional life, annuity, and long-term care products.Health Insurance Experience:- Appointed Actuary – All lines of business, including Individual Disability Income and Individual Long-Term Care- Mergers & Acquisitions – Major participant in the successful IPO of ALLIED Life Financial- Product Development – Individual Disability Income and Individual Long-Term Care- Product Maintenance – Individual Disability Income and Individual Long-Term Care

Functioned as the company's controller. Managed the accounting department. Responsible for: daily cash flows, investment accounting, quarterly financial reporting (GAAP, statutory, and tax), and annual financial reporting (GAAP, statutory, and tax). Accounted for the merger of 3 sister companies at the end of 1987.Health Insurance Experience:- Appointed Actuary – All lines of business, including Individual Disability Income- Mergers & Acquisitions – Major participant in the successful demutualization and subsequent merger with Central Life Assurance Company

Managed the following departments: actuarial, accounting, IT-operations, IT-systems, and model office. Served as the company's chief financial officer. Served as the company's chief actuary. Served as the company's appointed actuary. Responsibilities included maintenance of group major medical and individual disability income lines of business. Part of management team that facilitated the demutualization of the company and subsequent sale to Central Life Assurance Company. Developed universal life, term, traditional life, and annuity products. Managed major administrative system conversion.

Served as the company's chief actuary. Served as the company's appointed actuary. Responsibilities included the maintenance of individual major medical, individual hospital indemnity, individual disability income, individual Medicare supplements, and group major medical. Developed traditional life, term, annuity, and group major medical products. Assisted the parent company (Farmland Industries) in its negotiations for sale of the company to Nationwide Life Insurance Company.Health Insurance Experience:- Appointed Actuary – All lines of business, including Individual Major Medical, Individual Hospital Indemnity, Individual Medicare Supplements, and Group Major Medical- Mergers & Acquisitions – Major participant in the successful sales negotiations with Nationwide Life Insurance Company- Product Development – Individual Major Medical and Group Major Medical- Product Maintenance – Individual Major Medical, Individual Hospital Indemnity, Individual Medicare Supplements, and Group Major Medical

Served as the company's chief actuary. Served as the company's appointed actuary. Responsible for the actuarial aspects of quarterly and annual financial reports (GAAP, statutory, and tax). Also served as the company's assistant controller.

Worked on the audit staff of public accounting firm. Primarily audited the actuarial aspects of life insurance company clients. Developed term product for client.Health Insurance Experience:- Audit – Participated in the audit of Blue Cross/Blue Shield of Colorado

Completed actuarial assignments as assigned by the Vice President & Chief Actuary.

Prepared monthly budget statements and other assignments as assigned by the Vice President & Controller.