I have 40 years of experience, and specialize in the field of insurance and financial services with specific knowledge in the areas of life insurance, annuities, disabilitly income insurance, health insurance, pricing and dividend or experience rating refund practices, reinsurance and international work. I have published on such topics as pricing of life insurance products and Latin America insurance opportunities. My extensive work, professional and business experience enable me to efficiently analyze and identify critical issues associated with a wide variety of cases, from the not so complex to very complex cases, and enables me to identify solutions and alternatives. I am able to explain the work done, the results obtained and the solutions or alternatives recommended in a clear and concise manner which is understood by a nontechnical audience. I am equally at home with either English or Spanish.