Contracting Agents and Agencies for online insurance products. Providing consulting services to carriers and agencies in the life and health insurance industry

eLife, LLC is a US-based company specializing in the distribution of Non-Med Term Life products, aimed at the untapped life insurance ‘middle market’.Our breakthrough distribution platform (the eLife Platform), is a powerful "next-generation" online system designed specifically for selling Non-med Term Life products quickly, easily, paperlessly, and economically. Via the eLife Platform, you can purchase a policy in as little as 15 minutes, and when its done.... its done! The policy is instantly downloaded and coverage starts immediately. We also provide a range of services to ensure that Agents are trained, highly motivated, and well supported. Once sales have commenced, we provide online access to exceptional production reporting and data analytics. See our website www.elifesolutions.com.

Develop proprietary programs for large distribution systems.

Reporting to the Company's President and CEO. Involved in the implementation of the company's expansion, acquisition and business development. Identified and cultivated over 25 potential acquisition targets in 2007 alone in the employee benefit industry for consideration by the Board of Directors and stockholders. Primary national and regional acquisition targets - voluntary and ancillary product wholesalers, distributors and administrators including worksite marketing related firms. Characteristics sought - Profitability, strength of management, synergies with other operations/acquisitions and scalability.Company was purchased by Emerson Reid - a unit of USI.

Reporting to the Senior Vice President of Strategic Distribution retained to evaluate the operations of a company owned TPA and to investigate alternatives for its expansion and growth. Additional assignment added subsequently to investigate potential strategic partners for an internet marketing venture of another subsidiary.

Entity sponsored by the HispanoAmerican Biomedical Association: a national organization composed of 48,000 Hispanic physicians, researchers and allied professionals dedicated to the health of the Hispanic American community engaged in the development and delivery of health plans to address the needs of the Hispanic Working Uninsured.Reporting to the Board of Directors created national business plan, developed group health product for working, uninsured Hispanic Americans from concept to implementation as well as designing/implementing all sales and marketing strategies including managing all aspects of pilot product launch in El Paso, TX.

Educators Mutual Life Insurance Company serves the primary group insurance needs of employers, including dental insurance, life insurance, short-term and long-term disability. It is a leading provider of Internet Customer Care Service and Support, CRM and Web Call Centers Engaged by the parent insurance firm reporting to the CEO, to develop of all aspects of its employee benefit sales subsidiary, IBSi, on a regional and national basis. Responsibility for creation of sales plans and strategies including: overall budget; staff organization; product line, and sales workflow processes. Significant emphasis placed on the identification and implementation of strategic distribution partnerships.

Reporting to Executive Vice President was engaged to develop new business channel and division on a national basis. Identified alternative distribution opportunities which would build on core competencies of firm and avoid conflict with existing business channels. Created concepts with senior management, refined and defined product with detailed articulation. Performed field market research and testing to determine product viability and adjusted product offering to match identified needs. Final productdefinition, sales and marketing plans, IT system requirements, costing and implementation work plan developed working with senior management and multifunctional team.

Firm engaged in the development and sales of proprietary ancillary benefit product lines: Vision and Dental, to aggregators of large volume membership including Insurance Carriers, Health Plans, Third Party Administrators, e-Commerce companies, and large General Agency organizations in the small business market: 1-1,000 ee’s.

Engaged by this privately held insurance holding company reporting to the Chairman to enhance sales and business strategies for its life/health insurance and third party administration subsidiaries. Engagement included identifying marketing opportunities and sales strategies/plans; recommending products for development; identifying and contacting the senior management of health insurance company and third party administrative acquisition candidates throughout the Eastern United States.

Managed the national Individual and Small Group Market sales activities of this 12 state $10 billion Health Maintenance Organization. Responsibilities included development and implementation of sales strategies, sales training programs, national management of multiple and diverse state sales teams, competitive analysis, new product/product line development, pricing and underwriting. Direct supervision and management of 32 FTE’s composed of national sales management, underwriting and administrative personnel.

Hired by Acquiring Company of Centerstone, Emphesys Financial Group (Employers Health Insurance), reported to the President. Directed the merger and acquisition program for this 1.2 million-member NYSE healthcare company. Responsible for identifying acquisition targets, contacting target companies' senior executive, developing interest in potential of aquisition, performing preliminary reviews and submission to EFG executive committee of preliminary due diligence reports. Identified and performed preliminary reviews on over 30 acquisition candidates throughout the United States. EFG was acquired by Humana in 1996.

Founding Principal, Senior Financial Officer and Chief Sales Officer of this national insurance/financial services firm. One of 3 founders in 1980 building it into one of the nation’s largest life and health wholesale brokerage firms by 1994. Originally incorporated in 1980 as West Coast Insurance and Financial Services, the company was acquired by Mission Insurance Group (Former NYSE:MIG) in 1984; repurchased by original owners in 1986. Named changed to Centerstone Insurance and Financial Services in 1990. In 1994, its Health Insurance operations were sold to Emphesys Financial Group, the firm now does business as BenefitMall. Managed the daily activities of staff in the on-going operations of the company. Specific responsibilities included all financial affairs including acquisitions, medical/dental carrier relationships, sales and marketing efforts and executive management of 120 employees including sales management team, sales, underwriting and administrative personnel.

Originally incorporated in 1980 as West Coast Insurance and Financial Services, the company was acquired by Mission Insurance Group (Former NYSE:MIG) in 1984; repurchased by original owners in 1986. Named changed to Centerstone Insurance and Financial Services in 1990. In 1994: Health Insurance operations were sold to Emphesys Financial Group, now doing business as BenefitMall. Life Insurance brokerage operations were spun off and renamed Centrestone Insurance and Financial Services which was purchased in 2004 by Marsh & McLennan (NYSE:MMC) now doing business as part of Marsh Private Client Services. The life insurance operation included a nationally renowned special risk (substandard) boutique facility specializing in underwriting life insurance for clients with problematic health histories such as heart disease, diabetes, cancer, neurological disorders, or substance abuse. Serving national life brokers and wirehouses.

*Vice President - Sales Manager - Lincoln National Sales Corporation - 1979 to 1983*Personal Producing Sales Agent - 1978

Responsible for 8 corporate recruiters for the Western Region (All areas west of the Mississippi River)LNCDC was an in-house recruiting facility of Lincoln National Corporation charged with sourcing, interviewing and placing sales agents, sales management and executive positions within the LNC family of companies.Recruiter of the Year in 1976

United States Air Force Security Service - 6988th Security SquadronServed as an airborne Korean Linguist. Stationed at Yokota Airbase and flew missions out of Osan, Suwon and Kwangju. I was a Skivvy Nine