Life Insurance Consultant Expert Witness

Expert Witness No. 374

Northern California

BACKGROUND

Expert No. 374 is a specially licensed Individual Life and Disability Insurance Analyst.  There are only about 30 such analysts licensed by the State of California.  As an analyst, Expert 374 has the knowledge, and the authority, to provide non-biased advice regarding life insurance.  He is a member of the Society of Financial Service Professionals.

Expert No. 374 specializes in the analysis of life insurance products and provides fee based analytical and due care services directly to clients and their professionals and other fiduciaries.

Expert No. 374 recently released a reference book covering a wide spectrum of life insurance topics in a format accessible for consumers and third party advisors.

(Information regarding this book is available upon request.)

TECHNICAL SUPPORT AND EXPERT WITNESS CONSULTING

Specialties
Due diligence: Review and analysis of life insurance companies from a financial strength and ratings standpoint
Life insurance needs analysis: Determine the appropriateness of coverage amounts
Life insurance financial calculations: Internal rate of return and present value calculations on cash value and death benefit vs. premiums paid at specified intervals
Policy projections: Review For in-force life insurance policies provided by insurance companies (current projections using in-force policy values, mortality costs and expenses)
Policy loans: Implications of policy loans including lost term costs, “phantom” income tax and other considerations
Policy replacement analysis and recommendations
Prudent Investor Rule Applications for trustee and other fiduciary situations (Prospective)

Services
Document review and recommendations
Analysis of documents for due diligence/standard-of-care
Strengths & weaknesses opinions
Case preparation assistance, evidence review and report preparation
Expert testimony for depositions

WRITING, TEACHING AND SPEAKING

Available upon request

MEMBERSHIPS, ORGANIZATIONS

Board of Directors, Marin Community Institute for Psychotherapy
Past Director- San Francisco & Marin Life Underwriters Associations
President (Year Provided Upon Request) Leading Life Insurance Producers of No. California
President (Year Provided Upon Request) S.F. Chapter Society of Financial Service Professionals
Regional Liaison- Society of Financial Service Professionals

Prior to commencing his own practice in 1995, Expert No. 374 was an Assistant Vice President with Acordia-Lloyd a multi-line insurance brokerage.   His responsibilities were as a lead on an endorsed life insurance program with the State Bar of California as well as working with Health Insurance Producers and Property and Casualty Producers to assist in developing life insurance programs for their clients.

Expert No. 374 earned his Bachelor of Science in Finance degree from California State University at Chico.

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