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Retail - Wholesale Relationships

Amy E. Johnson

Richard Faber

Richard Faber is a highly experienced insurance professional who possesses a wide array of skills and a distinctive combination of experience, ranging from marketing, and consulting to managing/underwriting a staggering array of  risks. His background and extensive experience work together to make Richard a much sought after authority in his field. Richard began his career…

Thomas Quaka

Michael Gay

An interpreter of “insurance-ese” assisting others in understanding insurance policies, procedures, and practices of the industry. Expert Witness/Litigation Consultant in P&C coverages and Agent/Broker “Best Practices”. Four decades of insurance program development in the specialty P&C insurance space. Skilled in the identification, analysis, evaluation, and treatment of complex risk and loss exposures. Insurance Educator for…

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Neal Bordenave, JD, CPCU, RPLU, ARM, AIC

Highly experienced insurance industry litigation consultant and expert witness.  Broker/Agent Standard of Care, Claims Handling/Insurance Carrier Bad Faith, Insurance Industry Custom and Practice.  400+ retention’s, @100 testimony in Deposition, Trial and Arbitration.

The Origin and Structure of Life and Health Affinity Insurance Programs in the U.S.

The Affinity business is a $100B+ market in the United States with a long history in the life and health arena. Despite that track record it is often misunderstood in the broader market. This paper provides background for any entity interested in getting into that space or already active in it.

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