Life Insurance Expert Witnesses

Insurance, Insurance - Broker/Agent Standard of Care, Bad Faith, Insurance Industry Customs and Practices, Property & Casualty, Life, Annuities, Excess & Surplus, Managing General Agent, Health, Surety, Professional Liability, Underwriting, Claims Practices,

More than 35 years experience in the insurance industry. President/CEO of RiskPro Insurance Services, Inc., Professor of Risk Management and Insurance at California State University Chico (Retired 2022) Established Expert Witness Practice in 2009. As of January 2023, more than 400 retentions and testifying in Deposition, Trial and Arbitration more than 100 times. Education includes Juris Doctor (JD), BS Business Administration/Finance. Chartered Property Casualty Underwriter (CPCU) Registered Professional Liability Underwriter (RPLU) Associate in Risk Management (ARM) Associate in Claims (ARM) Primary States for expert work include, California, Arizona, Nevada, Oregon, Washington, Utah, Colorado and Texas

Insurance - insurance standard of care, insurance coverage, insurance bad faith, workers compensation, human resources, property and casualty insurance, life insurance, health insurance, disability insurance, long term care insurance, cyber insurance, auto insurance, home insurance, business insurance

David has been a licensed practicing insurance producer for 39 years. He understands the reasonable care, skill and diligence from not only academia but experience. He has been an insurance agency owner for 37 years. To date he has consulted in over 50 court cases as a consultant/expert. His consultant/expert work is split at about 45% Plaintiff and 55% Defense. David has testified in several depositions and at jury trial with a successful outcome. David is a CPCU. In addition, he has been a Certified Insurance Counselor since September of 1992. The Family Agency in which he is a partner has won both community and industry awards. David has reviewed the Arizona State Licensure Exams since 1998. He has taught various insurance courses through The National Alliance since 2002. He has taught several continuing education courses in Arizona. Since 2002 he has taught various business courses collegiately. Currently has been an adjunct professor at Glendale Community College teaching in...

Insurance, Securities & Investments - Life Insurance, Premium Financing, Irrevocable Life Insurance Trusts, Life Settlement, Stranger Originated Life Insurance, STOLI, Investor Owned Life Insurance, IOLI, Standard of Care, TOLI, Long Term Care, 401k, Annuities, ILIT, Inforce insurance policy review, policy lapse, fiduciary oversight

As a court-qualified expert since 2011, I have authored numerous reports and rebuttals, opined on damage matters, and testified multiple times in federal and state court jury trials. I have also consulted as an expert in FINRA arbitration hearings. I am uniquely qualified with decades of experience in the high-net-worth financial services marketplace. Over my career, I have partnered with insurance agents, fiduciaries, attorneys, accountants, pension actuaries, registered investment advisors, financial planners, Wall Street firms, Private Banks, and Trust Companies to provide investment and insurance planning services. I have extensive knowledge of various financial services, from basic to complex. Experience includes 401(k) fiduciary oversight and plan governance, standards of care and prudent processes, business owner planning, estate tax liquidity planning, and income replacement planning. Product experience includes most types of investment vehicles, annuities, disabili...

Insurance - Life Insurance, Annuities, The Policy Analyzers™, Life Insurance Policy Review, Life Insurance Analyst, Independent Policy Analyst, Life Insurance Policy Analysis,

CA Licensed Life & Disability Analyst 30+ year member of; National Association of Estate Planning Councils (NAEPC) Society of Financial Services Professionals (FSP) (Arrowhead Chapter Past President) San Bernardino Estate Planning Council (Past President) Riverside Estate Planning Council Author, "How to Do a Proper Policy Review: No Beneficiaries Left Behind" Available on Amazon, copyright 2021. Active subject matter blogs-available on website stratusfp.com You Tube videos at Stratus Financial Partners

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,class action,premium,lapse,reinstatement, termination.

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...

Insurance, Business Operations - Life insurance, annuities, agent licensing, appointment, commissions, terminations, contracting, regulatory requirements, operations, customer service, call centers, home office administrative processes, technology, compliance, file review

Laura A. Dambier Accomplished retired senior executive with more than 20 years of experience leading life insurance operations across the life cycle of a policy from life insurance and annuity agent/broker/distribution sales authorization to the sales process, compensation, customer service and claims. Areas of expertise include but are not limited to life insurance and annuity agent licensing, appointments, terminations, commissions, contracting, technology, customer service, call center and claims. Please see also Insurance Capital Consulting LLC for further detail. Insurance Capital Consulting LLC Led by Laura A. Dambier, Insurance Capital Consulting LLC brings together a cross-functional team of seasoned insurance industry professionals with extensive experience in insurance company home office processes covering the lifespan of a life insurance policy or annuity. Hartford, Connecticut presence with nationwide reach and expertise. Expert consultant backgrounds and experience i...

Insurance - insurance standard of care, insurance coverage, insurance bad faith, workers compensation, human resources, property and casualty insurance, life insurance, health insurance, disability insurance, long term care insurance, cyber insurance, auto insurance, home insurance, business insurance

David has been a licensed practicing insurance producer for 39 years. He understands the reasonable care, skill and diligence from not only academia but experience. He has been an insurance agency owner for 37 years. To date he has consulted in over 50 court cases as a consultant/expert. His consultant/expert work is split at about 45% Plaintiff and 55% Defense. David has testified in several depositions and at jury trial with a successful outcome. David is a CPCU. In addition, he has been a Certified Insurance Counselor since September of 1992. The Family Agency in which he is a partner has won both community and industry awards. David has reviewed the Arizona State Licensure Exams since 1998. He has taught various insurance courses through The National Alliance since 2002. He has taught several continuing education courses in Arizona. Since 2002 he has taught various business courses collegiately. Currently has been an adjunct professor at Glendale Community College teaching in...

Securities & Investments, Insurance - Mutual Funds, Annuities, Financial Planning, Life Insurance, Long Term Care Insurance, FINRA, Misrepresentation, Asset Allocation, Retirement Plans, Unauthorized Trading, Suitability, churning, Supervision, Employment, U-5, Variable Annuities, Alternative Investments, CFP, Fiduciary Duty, IRAs

Alan J. Besnoff, CFP, ChFC, CLU is the founder of Securities Expert Witness & Litigation Support, LLC, and provides litigation consulting services and expert testimony for matters involving customer disputes and employment issues within the financial services industry. Mr. Besnoff’s expert engagements typically involve sales practices and violations of rules and industry standards in the areas of securities, life insurance and annuities, supervisory, and U-5/employment matters. Mr. Besnoff has been engaged as an expert in more than 120 cases and has testified approximately 25 times. Alan Besnoff has 30+ years of experience within the industry, primarily in supervisory and leadership positions. Mr. Besnoff has passed FINRA registration examinations for Series 6, 63, 65, 7, 26, and 24, as well as state licensing examinations for Life Insurance & Annuities, Disability Insurance, Long Term Care Insurance, Variable Life Insurance and Variable Annuities. Professional designations...

Insurance, Financial - Life Insurance, Health Insurance, Disability Insurance, Financial Planning, Life Insurance Funding, Policy Valuation

Following graduation from Lehigh University, Charlie entered the insurance industry as an Employee Benefit Specialist. In addition to his thirty plus years of experience, he has achieved both industry recognized designations of Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC). As a Qualified Continuing Education Instructor, he teaches other licensed insurance professionals about the changing structure of the income and estate tax code, and planning strategies. Additionally, Charlie uses his experience to provide expert testimony in State and Federal Court. Charlie is a member of the Society for Financial Service Professionals, as well as a past member of their Board Authority of Directors. He maintains registration with the Financial Industry Regulatory Authority (FINRA). He is an investment Advisor Representative (IAR). As of August 2022 Retired as a Register Representative but am maintaining all insurance licensing. Securities Offered Through TFS Secur...

Insurance, Financial - Agent/Broker, Broker Duties, Agent/Broker Duties & Responsibilities, Agent/Company Relations, Bad Faith, Errors & Omissions, E&O, Coverage Disputes, Excess/surplus, Surplus Lines, Casualty, Property, Life, Health, Disability, Coverage, Contractual Disputes, Arbitration, Mediation, Standards of Care

PROFESSIONAL ACTIVITIES • Past President, New Jersey Chapter Society of CPCU • Current and Past President, Independent Insurance Agents of Essex County, Inc. • Past President, Surplus Lines Association of New Jersey, Inc. (NJSLA) • Former Member, New Jersey Department of Insurance Committee Education • Former Member, Grading Panel for the Insurance Institute of America • Former Arbitrator for the American Arbitration Association. • Panelist, ABA Conference on Banking and Insurance • Attendee, New Jersey Conference on ECRA • Guest Speaker and Presenter for various professional, academic, and civic groups including New Jersey Chapter CPCU, Independent Insurance Agents, Seton Hall University Continuing Education Department, National Association of Insurance Women (NAIW), Local Rotaries, and Insurance Service Office (ISO) • NJ State Approved Volunteer Mediator for Municipal Court Matters • Member, Professional Liability Underwriting Society (PLUS) • Member, National Association of Prof...

Insurance - insurance standard of care, insurance coverage, insurance bad faith, workers compensation, human resources, property and casualty insurance, life insurance, health insurance, disability insurance, long term care insurance, cyber insurance, auto insurance, home insurance, business insurance

David has been a licensed practicing insurance producer for 39 years. He understands the reasonable care, skill and diligence from not only academia but experience. He has been an insurance agency owner for 37 years. To date he has consulted in over 50 court cases as a consultant/expert. His consultant/expert work is split at about 45% Plaintiff and 55% Defense. David has testified in several depositions and at jury trial with a successful outcome. David is a CPCU. In addition, he has been a Certified Insurance Counselor since September of 1992. The Family Agency in which he is a partner has won both community and industry awards. David has reviewed the Arizona State Licensure Exams since 1998. He has taught various insurance courses through The National Alliance since 2002. He has taught several continuing education courses in Arizona. Since 2002 he has taught various business courses collegiately. Currently has been an adjunct professor at Glendale Community College teaching in...

Insurance, Insurance - Broker/Agent Standard of Care, Bad Faith, Insurance Industry Customs and Practices, Property & Casualty, Life, Annuities, Excess & Surplus, Managing General Agent, Health, Surety, Professional Liability, Underwriting, Claims Practices,

More than 35 years experience in the insurance industry. President/CEO of RiskPro Insurance Services, Inc., Professor of Risk Management and Insurance at California State University Chico (Retired 2022) Established Expert Witness Practice in 2009. As of January 2023, more than 400 retentions and testifying in Deposition, Trial and Arbitration more than 100 times. Education includes Juris Doctor (JD), BS Business Administration/Finance. Chartered Property Casualty Underwriter (CPCU) Registered Professional Liability Underwriter (RPLU) Associate in Risk Management (ARM) Associate in Claims (ARM) Primary States for expert work include, California, Arizona, Nevada, Oregon, Washington, Utah, Colorado and Texas

Insurance, Financial - Agent/Broker, Broker Duties, Agent/Broker Duties & Responsibilities, Agent/Company Relations, Bad Faith, Errors & Omissions, E&O, Coverage Disputes, Excess/surplus, Surplus Lines, Casualty, Property, Life, Health, Disability, Coverage, Contractual Disputes, Arbitration, Mediation, Standards of Care

PROFESSIONAL ACTIVITIES • Past President, New Jersey Chapter Society of CPCU • Current and Past President, Independent Insurance Agents of Essex County, Inc. • Past President, Surplus Lines Association of New Jersey, Inc. (NJSLA) • Former Member, New Jersey Department of Insurance Committee Education • Former Member, Grading Panel for the Insurance Institute of America • Former Arbitrator for the American Arbitration Association. • Panelist, ABA Conference on Banking and Insurance • Attendee, New Jersey Conference on ECRA • Guest Speaker and Presenter for various professional, academic, and civic groups including New Jersey Chapter CPCU, Independent Insurance Agents, Seton Hall University Continuing Education Department, National Association of Insurance Women (NAIW), Local Rotaries, and Insurance Service Office (ISO) • NJ State Approved Volunteer Mediator for Municipal Court Matters • Member, Professional Liability Underwriting Society (PLUS) • Member, National Association of Prof...

Insurance, Business Damages - Contracts, Agency Relationships, Bad Faith, Standard of Care, Independent Contractors, Commercial Insurance, Annuities, Life Insurance, Insurance Agency, Risk Management, Professional Liability Insurance, Insurance Claims, Automobile Accident, Hauling Freight, Coinsurance, Product Liability.

40+ years in the insurance industry with a focus on business insurance, contracts, independent contractors, property insurance, casualty insurance, hauling freight, product liability, Risk Management, Insurance Agency, etc. Specialties Include: Fair Claim Practices, Self-Insurance, Standard of Care, Captive Insurance, Bonds, Errors & Omissions, Professional Liability for Agents, Brokers, Underwriters, Directors & Officers Liability, Financial Lines of Insurance,