Prior to joining Milliman, Michael worked for an actuarial consulting firm where he was responsible for a wide range of life and health insurance pricing, product management, acquisition analysis, valuation, and cash-flow testing projects. Previously, Michael served as the chief actuary for AIG’s Domestic Accident & Health Division, leading product development and experience management for a diverse range of individual and group health products (travel accident, occupational accident, student accident, worksite marketed supplemental health, and direct marketed accident). While at Chubb Corporation, Michael developed accident and health products for international markets (specializing in the country of India). At American United Life he priced and managed life and disability products sold on a true group and voluntary basis.
Michael specializes in a full range of individual and group health products, including Medicare supplement, long-term care, critical illness, cancer, accident, long- and short-term disability, and mini-meds. He has extensive experience in all aspects of the management of health products, including pricing and product development, market introduction strategy, contract development, rate filing, reserving, financial reporting, and experience analysis. In addition to health products, Michael has priced group and individual term life products and simplified issue final expense products. He has also led cash-flow testing work for companies with both life and health products.
