I have 45 years of experience, and specialize in the field of insurance with specific knowledge in the areas of agent standards of practice, policy coverage issues and claims handling. I have testified 20 times on topics such as agency standards of practice, policy coverage issues and claims handling. I am a property and casualty actuary who has been employed on both the agency and company side of insurance for the past 45 years and have a wide range of expertise in such matters.