I have 50 years of experience, and specialize in the field of life insurance with specific knowledge in the areas of annuity products, variable life and annuities and investment dealer selling. I have testified 9 times on topics such as suitability of annuity products, life policy analysis and broker-dealer “know your customer” rules. I may be the only individual in the variable insurance community who has led both a variable annuity company and a variable life company.