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TWUC Presenters



See below for our presenter photos and biographies.  For the topics,  schedule and copies of some of the presentations, please visit  the TWUC Program page.
Bob Cicchi
Dr. Luis Fayad
Jean-Marc Fix
Dr. Guizhou Hu
Mark Lounds
Scott Marquis

Pete Morris
Richard Odom
Karen Reindeau
Tim Rozar
Betsy Sears
Dr. Cliff Titcomb
Elliott Wallace
Scott Whitmore
Bill Whitsell
Bob Cicchi, FALU, CLU, FLMI  is Vice President of Underwriting for American General Life in Houston. His primary responsibility is leading the underwriting research and development efforts for the company. In this role, Bob is responsible for constant improvement of the underwriting guidelines and standards for American General. Previously Bob served as Chief Underwriter for the Independent Agency Group of American General. He also led the international underwriting operations of AUL Re and Lincoln Re. Bob started in the underwriting profession with The Principal Financial Group (Bankers Life) more than 30 years ago. Bob is married and has four children and 8 grand children. In his spare time he loves to ride his motorcycle and root for his favorite soccer team, the Houston Dynamo.
Dr Luis Fayad has been with M. D. Anderson Cancer Center for the past 13 years and holds the positiion of Associate Professor of Medicine in the Department of Lymphoma/Myeloma. Dr Fayad has over 100 scientific publications in peer-reviewed journals and his main area of interest is the development of new treatment strategies in the management of large cell lymphoma. He is currently the Clinical Director for the Lymphoma/Myeloma Clinic.
Jean-Marc Fix, FSA, MAAA  is Vice President, Research & Development for both Optimum Re Insurance (US) and Optimum Reassurance (Canada). Jean-Marc joined the Optimum Group in 1997. He is responsible for the development of innovative products especially in the Critical Illness arena, as well as for the underlying research framework. He is also responsible for the updating of Optimum’s Underwriting Manual, both for life and critical illness. Jean-Marc has over 20 years of experience in the life insurance industry and is a Fellow of the Society of Actuaries as well as a member of the American Academy of Actuaries.
Guizhou Hu, MD, Ph.D. is Senior Vice President and Chief Scientific Officer of BioSignia, Inc.  Dr.  Hu received his medical degree from Beijing Medical University more than 20 years ago. He also received his masters degree in food toxicology from the Chinese Academy of Preventive Medicine, and his Ph.D. from Cornell in epidemiology. Guizhou has been working at BioSignia for more than 10 years. He is the primary inventor of the company’s patented technology, ‘Synthesis Analysis’, a statistical process to combine multiple research study datasets to build multivariate risk prediction models. Guizhou’s expertise includes prediction model development and validation, predication model applications in disease management, health management and life insurance underwriting and actuarial analysis.  He has authored or co-authored a variety of papers and other research studies over his career. 
Mark Lounds, FALU, FLMI  has been with Munich RE for 7 years. He is an underwriting consultant with Munich in the Chicago office. Prior to working with Munich RE, Mark has held underwriting positions with Allstate and Zurich. He is the current  Secretary of the Chicago Home Office Life and Health Underwriters Association. Mark holds the FALU, FLMI, ARA and ACS designations and also has an MBA from DePaul University in Chicago.
Scott Marquis, FLMI, AALU, ARA is the Assistant Vice President of Life New Business at American National Insurance. His duties include overseeing the underwriting of life insurance from various marketing lines including brokerage, career, direct, and final expense. He has been with American National for 20 years and is a Fellow, Life Management Institute (FLMI), Associate, Academy of Life Underwriting (AALU), and Associate, Reinsurance Administration (ARA).
Pete Morris, FALU  is Principal Underwriter for USAA Life Insurance Company.  After a career as a Meteorologist in the United States Air Force, he joined USAA in 1994. He assumed his current position in 2006. He is married and has three daughters.  Among his educational achievements are a Bachelor of Science Degree in Occupational Education with majors in Meteorology and Business and a Masters in Business Administration (MBA).  He is a Fellow of the Academy of Life Underwriting.
Richard Odom, LPN, FLMI, AALU, ACS  is a Senior Underwriting Consultant for National Life Group and works out of the Life of the Southwest office in Addison, TX. Prior to joining the National Life Group, he has held various underwriting and technology positions at SCOR Re, Torchmark Corporation and Protective Life. He has his AALU, FLMI, and ACS. Richard is a Vet from the US Air Force and worked as a nurse and paramedic before starting his underwriting career. Richard also enjoys golfing, hunting, fishing and helping coach his son's basketball team.
Karen Reindeau, FLHC, ARA, ACS has been with Munich Re for 8 years.  She is an Account Representative responsible for adjudicating high risk complex claims, analyzing trends and managing client accounts. Prior to joining Munich Re she held various roles at direct companies for over 20 years handling contestable, litigated and fraudulent claims.  She has been an active member of the International Claims Association since 1995 and is currently serving on the Executive, Reinsurance and Administrative Management Committees.  Karen holds the FLHC, ARA and ACS industry designations.     
Tim Rozar, FSA, CERA, MAAA is Vice President and Head of Global Research & Development at RGA.  He joined RGA in 2001 and currently leads RGA's U.S. and international experience study teams and is also responsible for overseeing RGA's research activities worldwide. He is a frequent presenter at Society of Actuaries and RGA sponsored events and currently serves on the Product Development Section Council of the SOA. He has published and presented research findings on a variety of actuarial and underwriting topics including prescription drug histories, post-level term experience, older age underwriting and predictive modeling.  Tim is a Fellow of the Society of Actuaries, a Chartered Enterprise Risk Analyst and a Member of the American Academy of Actuaries. He received his Bachelor of Science in actuarial science from Maryville University and an MBA from Washington University's Olin Business School.
Betsy Sears, MA is EVP - Sales Support/Client Solutions at ExamOne.   She has over  25  years of experience in the insurance laboratory environment.  Betsy works closely with ExamOne's laboratory operations, medical and sales staff on customer issues and supports insurance customers through a variety of presentations on laboratory, medical and risk assessment topics.   Her duties also include managing some of the International sales initiatives, R & D  and overseeing Insurance Client Solutions in the U.S. and Canada.    Prior to joining ExamOne, Betsy served as VP and Laboratory Director of Osborn Laboratories for 14 years. She also has over eleven years of experience in clinical & hospital laboratory settings in New York City and Chicago, specializing in microbiology.  Betsy received her B.S. degree in Medical Technology from the University of Missouri - Kansas City and her Masters degree in Business Management from Baker University.
Dr. Cliff Titcomb has twenty-three years in the insurance industry with  extensive experience in risk assessment. He has worked at both Lincoln Re and ING Re where he was heavily involved in the development of their respective underwriting manuals. He has also written extensively for insurance publications and spoken often at industry meetings.  He is board certified in internal medicine and insurance medicine. A graduate of the Georgetown University School of Medicine Dr. Titcomb completed his internship and residency at the Medical College of Wisconsin. He has served as the chairman of the Morbidity and Mortality Committee of the American Academy of Insurance Medicine (AAIM), Chairman of the Morbidity and Mortality Liaison Committee (MMLC) and as the primary instructor for the AAIM Basic Mortality Methodology Course. He is the author of the ALU chapter on Four Cancers. He has served on the faculty of the Triennial course for medical directors in 2001-2009. He is the recipient of the 2001 President’s Award from the American Academy of Insurance Medicine. Dr. Titcomb is a principal in International Medical Risk Consultants. He is currently a consultant to Hannover Re where he is involved in case underwriting, research, education and the development and revision of the ASCENT underwriting manual.
Elliott C. Wallace
is Vice President and General Manager of the Life Insurance Vertical within the Insurance Data Solutions Group, for the risk solutions business of LexisNexis. He joined the organization in July 2011 and is responsible for developing and implementing the LexisNexis strategy for the life insurance market. Mr. Wallace possesses a sharp, integrated approach to business efficiency and revenue growth—a valued proficiency he earned in key executive positions including Associated Vice President for Business Development for Nationwide Financial Group within its Individual Protection unit. There he steadily increased sales by developing and implementing strategic product initiatives, process enhancements and business infrastructure upgrades, all while expertly managing key business relationships. Mr. Wallace also served on the company’s Enterprise Program Management team where he supported CEO strategic programs and initiatives. Prior to Nationwide, he held key roles at leading organizations including Allstate Insurance Corporation, Xpedior, IBM, Ernst & Young and Eli Lilly and Company. Mr. Wallace earned his bachelor’s degree at the University of Cincinnati in Business Administration, Information Systems and Quantitative Analysis, and a master’s in Technology, Strategy and Management from Northwestern University. He lives in the greater Atlanta area with his family.
Scott Whitmore
earned a Zoology degree from the University of Wisconsin and continued on at UW to earn his Pharmacy degree. Following graduation, Scott worked as the Director of Professional Affairs for the Pharmacy Society of Wisconsin where he analyzed and shaped public policy as well as developed and delivered educational seminars for Wisconsin pharmacists. Scott later obtained an interest in a closed door, long term care pharmacy serving as the lead clinical consultant for a company which delivered specially packaged medications and clinical consulting expertise to prescribers and nurses caring for residents of nursing homes, group homes and mental health facilities. Following the sale of this business venture, Scott went to work as a clinical pharmacist for a pharmacy benefit manager where he offered clinical direction to the company’s prior authorization, drug utilization review and specialty programs. Mr. Whitmore joined Milliman Intelliscript in July of 2011 as their Director of Clinical Services. Much of Scott’s current focus with Intelliscript is on assisting life, health and LTC underwriters evaluate risk through the use of automated rule engines applied to prescription histories. Scott is a licensed pharmacist in the states of Wisconsin and Illinois and still occasionally practices in a community pharmacy a day or two per month.
Bill Whitsell is the Vice President of Business Acquisition for the National Life Group which includes National Life of Vermont located in Montpelier VT and Life of the Southwest located in Addison TX.  His responsibilities include Underwriting and New Business, Licensing and Contracting, Commissions, Claims and disbursements, SIU activities, agent call center, career distribution office personnel, and is responsible for coordinating the sales goal efforts for all life production.    Bill also serves on the marketing due diligence, reinsurance, product development and operational technology strategy committees.  Bill has been in the industry 26 years accumulating experience on the individual as well as reinsurance side of the business.  He has experience with both domestic and international life underwriting operations as well as domestic D.I., LTC,  major medical and COLI  business.  He is currently serving on the Gen Re and Munich Re advisory boards, as well as the Clinical Reference Laboratory mortality group.  Bill spends time between Vermont and Texas and is a classic car enthusiast, golfer want to be, and avid Dallas Cowboys and Dallas Mavericks fan.