Tony (Elton) Ekstrom Iii, Cpcu, Arm, Arp, Amim, Ains Email & Phone Number

St Augustine, Florida, United States

Responsible for managing the Rates, Rules and Forms of FAIR Plan property products (Dwelling Property, Commercial Property & Business Owners Policy (BOP)) for the state of California. Direct new product design, development and recommend strategy, solve challenges with alternate and optimal recommendations and a key stakeholder for new rate and policy issuance system implementation. Understand market dynamics of voluntary market. Manage a business analyst who coordinates the data needs for senior management and Product. Key responsibilities: • Implement Key Metric Reports for monitoring and managing Key Performance Indicators (Profitability, New Business, Retention, and Policies-In-Force). Drill down on issues highlighted in KPI reports to determine root causes.• Manage the Dwelling Property product for rate adequacy and increased product sophistication, exposure control, and ensure compliance with applicable regulatory requirements.• Manage the Commercial Property product for rate adequacy and increased product sophistication, exposure control, and ensure compliance with applicable regulatory requirements.• Product Filings: Manage vendor to submit form, rate and rule filings and respond in a timely manner to Insurance Department objections. • Forms & Compliance: Draft policy form changes, required regulatory notices, and broker bulletins/notices.

Plano, Texas

Currently responsible for managing the profitability and growth of non-standard auto insurance and specialty property products (currently only for Renters) for the states of Arizona and Texas, the biggest states in the product line. Key Accomplishments: • Managed OK & NM to profitable growth 2017-2019• Subject Matter Expert: Forms & Compliance - Draft proprietary personal auto policy jackets for new products for all of Hallmark’s states except TX and NM (i.e., AZ, AR, CA, CO, IN, KY, MT, NV, OH, OK, TN, WA) - Assist all Product Managers with compliance and forms issues - Product representative in a NM class-action lawsuit against Hallmark over the validity of a UM Rejection form. Amended UM rates, rules and forms to comply with NM Supreme Court decision• Mentor - assigned product analyst(s) and marketing representatives.

San Francisco Bay Area

Responsible for managing the profitability and growth of AAA auto insurance products for the state of California. Previously held similar responsibilities for auto and property insurance products for the states of Indiana, Oklahoma, South Dakota, New York, and Connecticut. Also was responsible for the implementation and management of products and strategies that supported CSAA and AAA club growth and profitability goals for insurance. • CA Auto: - Increased WP $2 million per month by implementing an annual mileage program - Increased new business (1,000 policies per month) by implementing several initiatives including the Multi-Policy Discount Grace period initiative, making AAA more competitive without the benefit of a filing. - Saved thousands of Flex policies (program was being decommissioned) by implementing a program to convert quality flex policies to the Select product - Improved first-year retention by 10 percentage points by identifying/fixing MPA billing defects and implementing a grace period• Indiana, Oklahoma, South Dakota Auto & Property: - Grew in-force policy count 50% ($24.1 In Force premium) while reducing the combined ratio by more than 10% in 2 of my 3 current states (Cat losses negatively impacted profitability results in OK)• Launched 4 new state product programs for AAA auto and property in NY and CT, and auto only in WV and KY• Led a variety of cross-functional teams to support state objectives and meet state goals• Developed Auto product standard template to ensure consistency and efficiency for IT, UW and claims• Worked with ChoicePoint to implement AAA’s proprietary auto credit model

Vista, Ca

Responsible for managing personal auto growth and profit objectives for NY, IL, CO, OR, and NV for a start-up Direct Response personal auto company. Key responsibilities included:• Pricing - set and filed rate levels to meet plan objectives• Set underwriting guidelines • Developed and filed rules and forms• Managed key metrics (i.e. tier mix, retention rates, CPS/acquisition costs, response rates, conversion ratios, loss ratios, expense ratios, etc.) • Worked with marketing to develop advertising strategies to sustain profitable growth• Trained and coached underwriters and sales representatives • Launched and managed several states, including NY, PA, FL, IL, CO, OR, and NV• Developed product specifications and led the implementation of several large automation projects, including: - State Mandated Inspections (NY/FL) - EFT billing - Polk PCVIS product (for VIN accuracy/Discount identification) - Rate Effective Date (enabled system to rate based on policy effective date instead of quote date)

Birmingham, Alabama Area

Responsible for setting and managing non-standard personal auto growth and profit objectives for the states of NY, FL, CT, RI, and CO. Key responsibilities included: pricing, setting underwriting guidelines, developing independent forms, filing rates, rules and forms with state insurance departments, managing agents within assigned states, coaching underwriters and marketing representatives, and handling underwriting referrals.

Hartford, Connecticut Area

Responsible for setting and managing Select Customer’s (small commercial segment) growth, profit and pricing objectives, as well as, other key segment initiatives for the Central Division. Key responsibilities included: Profit Center planning, rate reviews, coaching underwriters and sales representatives, monitoring and managing Regional Office operating plans, and handling underwriting referrals.

Hartford, Connecticut Area

Led the project team in the design, development, and implementation of new products, including setting initial pricing for product launches, designed to meet the profit and growth objectives of the Commercial Affinity Business Segment. Developed new SPECTRUM (BOP) product enhancements, including setting initial pricing for product launch, maintaining the SPECTRUM product, managing the SPECTRUM umbrella product and providing underwriting and other technical support in response to customer needs and in support of segment objectives.

Hartford, Connecticut Area

Responsible for meeting the risk management needs of the customer and achieving the strategic and operating plan: profit, production, and service objectives established for assigned territory and producers. Appointed as a mentor to support the development of underwriting trainees (1995).

Hartford, Connecticut Area

Completed and filed rate reviews and supporting data for assigned jurisdictions to support segment pricing objectives.

Hartford, Connecticut Area

Underwrote and serviced Personal Auto Insurance for the AARP program.

Ba, Economics

Activities and Societies: Varsity football & baseball, Dean's List

Mba, Management

3.97 GPA