I have 35 years of experience, and specialize in the field of life and health insurance with specific knowledge in the areas of life and health insurance products and marketing, claims settlement practices, bad faith, post claim underwriting and agent/broker liability. I have published on such topics as law and regulation of insurance, professional ethics and agent and broker liability. I have testified 6 times on topics such as unfair claims settlement practices, bad faith underwriting and marketing practices. I have worked at every level in the insurance industry: field agent, agency management, home office attorney, home office senior management, and industry association senior executive, professor of risk management, insurance and business law.