Iul Expert Witnesses

Iul expert witnesses and consultants listed here may be able to form expert opinions, draft expert witness reports, provide expert witness testimony at deposition and/or trial as or serve as consulting (non-testifying) experts on iul. The iul expert witness listings on this page are typically from fields/areas of expertise such as: Actuarial and Insurance.

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Steven E. Roth

Life and Disability Insurance Analyst

Agoura Hills, California
Insurance - life insurance, disability insurance, indexed annuities, annuity, annuities, premium financing, indexed universal life, illustration, bad faith, unfair, deceptive, sales practices, misrepresentation, fraud, negligence, standard of care, STOLI, IOLI, IUL, FIA
Served as a consultant and/or testifying expert witness to national law firms and top lawyers in numerous pro-consumer cases, ranging from deceptive investment and insurance sales practices to unfair insurance claims handling (predominantly life and disability insurance and annuity cases). To date, these cases resulting in estimated $200 million plus of settlements, awards and judgments. Testified in state courts, before FINRA and arbitrations. Never disqualified or had opinions stricken. 1991 - present: Life and disability insurance agent. 2014 - present: Life & Disability Analyst. ARTICLES AND SPEAKING ENGAGEMENTS Articles (partial list) Featured in Forbes Magazine: “Sounding The Alarm On Indexed Universal Life Insurance”, a consumer warning piece concerning complex premium financing and Indexed Universal Life insurance – September 23, 2020 Featured in Forbes Magazine: “Kill The Messenger”, an critique of investment advisors and products – December, 2008 Featured in Forbes Mag...
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Michael Reardon

Former Life and Annuity President and CFO

Charlotte, North Carolina
Insurance, Actuarial - Annuities, IUL, Life Insurance, Variable Annuities, Indexed Annuities
Fellow of the Society of Actuaries with 40 years of experience in life insurance and annuities. Former CFO (2010–2013) and President & CFO (2013–2017) of Forethought Life Insurance Company, and President of Commonwealth Life and Annuity Company (2003–2009), overseeing companies with $5B+ in assets. Expert in life insurance and annuity product design, executive governance, and regulatory compliance, having designed or supervised 25+ products, including Indexed Universal Life, Variable Life, Fixed Annuities, Indexed Annuities, and Variable Annuities. Extensive experience with all 50 state regulatory filings, federal litigation, and board-level oversight. Testified as a company witness in federal litigation (U.S. District Court, Chicago 2004). Current privately owned annuity company board director, Audit Committee member, and Investment Committee chair.