Dear CIU Members and Industry Colleagues · CIU AGM 2010 - Sunday, June 6th 4:00 - 6:00 PM...
23
Dear CIU Members and Industry Colleagues: Welcome to this, the 24th Annual General Meeting of the Canadian Institute of Underwriters in the beautiful city of Montréal! Our Convention Secretary, Richard Camiré, our Vice-Chair, Bill Marschall, along with the assistance of the entire CIU 2010 Executive Committee, have worked diligently throughout this past year to ensure that your annual meeting experience will be as valuable and enjoyable as possible. Our speakers have graciously worked with us to incorporate into our program the French language and culture that is so strongly represented in our CIU membership. We believe that you will agree that the many challenges of this past year have resulted in a “Tsunami of Change” in both the financial sector as a whole, and more specifically in the insurance industry. These changes have acted as positive catalyst in our efforts to present another exceptional CIU AGM Program. We trust that our valued industry speakers, coupled with insightful motivational speakers, with their timely presentations, will engage, educate and inspire you. Not only does our CIU Annual Meeting bring together these highly regarded speakers, presenting on vital issues of current and future interest to underwriters, it also provides our delegation with excellent participation, education and networking opportunities with many colleagues, friends and valued sponsors. We extend a special welcome to our Living Benefits Members as they join us at this year’s AGM. As the CIU moves into the 2010-2011 year, and beyond, we are committed to ensuring the living benefits underwriting discipline is represented in all programming at the highest possible level at CIU’s educational forums and events. We also take this opportunity to sincerely thank our valued CIU 2010 Program Sponsors. without their continued generosity this meeting would not be taking place, and through their support, CIU has continued to engage top notch speakers and planned more extensive events to add value and enhanced dimension to these annual gatherings of members of our discipline. As always, your feedback is vitally important. Opinions and input regarding the program’s components, the speakers and topics, all assists the upcoming CIU Executive Committee 2011 in planning future meetings and events. Please, take a few moments and give us your valued input by completing the short Evaluation Form found in your on-site conference package. The CIU 2010 Executive and I look forward to the pleasure of meeting you over the next few days and sharing this valuable time together. Enjoy Montréal and CIU’s Annual Meeting! Leslie Frade Leslie Frade, MBA, FLMI, AALU, ACS Chair, CIU 2010
Transcript of Dear CIU Members and Industry Colleagues · CIU AGM 2010 - Sunday, June 6th 4:00 - 6:00 PM...
Dear CIU Members and Industry Colleagues:
Welcome to this, the 24th Annual General Meeting of the Canadian Institute of Underwriters inthe beautiful city of Montréal!
Our Convention Secretary, Richard Camiré, our Vice-Chair, Bill Marschall, along with theassistance of the entire CIU 2010 Executive Committee, have worked diligently throughout thispast year to ensure that your annual meeting experience will be as valuable and enjoyable aspossible. Our speakers have graciously worked with us to incorporate into our program theFrench language and culture that is so strongly represented in our CIU membership.
We believe that you will agree that the many challenges of this past year have resulted in a“Tsunami of Change” in both the financial sector as a whole, and more specifically in theinsurance industry. These changes have acted as positive catalyst in our efforts to presentanother exceptional CIU AGM Program. We trust that our valued industry speakers, coupledwith insightful motivational speakers, with their timely presentations, will engage, educate andinspire you.
Not only does our CIU Annual Meeting bring together these highly regarded speakers,presenting on vital issues of current and future interest to underwriters, it also provides ourdelegation with excellent participation, education and networking opportunities with manycolleagues, friends and valued sponsors. We extend a special welcome to our Living BenefitsMembers as they join us at this year’s AGM. As the CIU moves into the 2010-2011 year, andbeyond, we are committed to ensuring the living benefits underwriting discipline is representedin all programming at the highest possible level at CIU’s educational forums and events.
We also take this opportunity to sincerely thank our valued CIU 2010 Program Sponsors.without their continued generosity this meeting would not be taking place, and through theirsupport, CIU has continued to engage top notch speakers and planned more extensive eventsto add value and enhanced dimension to these annual gatherings of members of our discipline.
As always, your feedback is vitally important. Opinions and input regarding the program’scomponents, the speakers and topics, all assists the upcoming CIU Executive Committee 2011in planning future meetings and events. Please, take a few moments and give us your valuedinput by completing the short Evaluation Form found in your on-site conference package.
The CIU 2010 Executive and I look forward to the pleasure of meeting you over the next fewdays and sharing this valuable time together.
Enjoy Montréal and CIU’s Annual Meeting!
Leslie Frade
Leslie Frade, MBA, FLMI, AALU, ACS
Chair, CIU 2010
CIU AGM 2010 - Sunday, June 6th
4:00 - 6:00 PM Registration Opens Neufchâtel Room Welcome Reception Hotel Lobby Level
CIU Host Bar & Networking
CIU AGM 2010 - Monday, June 7th
7:00 AM onwards Registration Salle de Bal FoyerLower Lobby Level
7:00 - 8:00 AM Continental Breakfast
8:00 - 8:30 AM Opening Plenary Session Salle de Bal - Ballroom
National Anthems Performed by Mélanie Marcoux
Welcome RemarksChair, CIU 2010Leslie Frade, MBA, FLMI, AALU, ACSDirector, UnderwritingManulife Financial
Greetings from...
Association Québécois des Tarifacteurs AHOUJennifer Brodeur Everett W. Kunzelman, FLMI, ACS Directrice, AQTV President, AHOUSenior Underwriting Consultant Vice President & Chief UnderwriterRGA Life Reinsurance Jackson National Life Insurance Co.
LUB ~ Life Underwriting Board Norm Leblond, BSc, FALU Director, Technical UnderwritingSun Life Financial
8:30 - 8:45 AM FALU PresentationsLee Janecek, FALU, FLMIChair, ALUDirector & Chief Underwriter
Woodmen of the World /2
Tsunami of Change CIU 2010
Annual General Meeting Marriott Château Champlain ~ Montréal, Québec
8:45 - 9:45 AM Industry Keynote: Salle de Bal - BallroomThe State of the Insurance IndustryUnderstanding Policy Liabilities & Capital
Mary Grant, FSA, FCIA Vice President & Chief Financial Officer Canadian Individual Insurance Manulife Financial
Join us for this industry keynote presentation covering the impact of theeconomic environment over the past two years, on the Canadian life insuranceindustry, with particular focus on earnings and capital, and how the industry hasbeen dealing with these issues. In addition, this presentation addresses the
pending introduction of new accounting standards (IFRS) and their potential implications forCanadian Insurers.
9:45 - 10:00 AM Refreshment Break Salle de Bal Foyer
10:00 - 11:00 AM Diabetes Update: Salle de BalDiscovering Diabetes
Everett Kunzelman, FLMI, ACSPresident, AHOUVice President & Chief UnderwriterJackson National Life
As Underwriters, we do not make a diagnosis, but we do make discoveries thatcertainly suggest strong possibilities. Join us for this presentation as we reviewHemoglobin A1C testing from the perspective of one company, as well asproviding a comprehensive discussion forum for focusing on diabetes in broad, general scope.
11:00 AM - 12:15 PM KEYNOTE ADDRESS: Salle de BalStephen Lewis
Celebrated Humanitarian & Former
UN Special Envoy for HIV/AIDS in Africa
“An Hour with Stephen Lewis”
A masterful orator and one of history’s great humanitarians,
Stephen Lewis is one of the world's most influential speakers on
human rights, social justice and international development. The
former UN Special Envoy for HIV/AIDS in Africa, has been
named by TIME as one of the 100 Most Influential People In The World – in the same category
as the Dalai Lama and Nelson Mandela. Maclean's Magazine honoured Stephen Lewis as their
inaugural "Canadian of the Year".
12:15 - 2:00 PM Luncheon on Your Own
2:00 - 3:00 PM Breakout Sessions - Concurrent Workshop Sessions - A /3
Session #1A Mental mise à jour la maladie (Présenté en Français) Viger A Dépression et suicide
Marc-André Belzil, FSA, FCIA, AALUAssistant Vice President, Development & ResearchRGA Life Reinsurance Company of Canada
Depuis plusieurs années maintenant la santé mentale, et plus particulièrement la dépression,reçoit beaucoup d’attention. La dépression est maintenant considérée l’équivalent du ‘rhume’en santé mentale. Joignez-vous à nous pour une session qui sera à la fois informative etintéressante. Nous vous promettons que vous n’en ressortirez pas déprimé!
Mental Illness Update Depression and Suicide
In recent years, mental health, and depression in particular, have received a great deal ofattention. Depression is now called the ‘cold’ of mental health and is widely encountered byunderwriters. Joins us for an informative and interesting session. We promise that you will notleave depressed!
Session #2A A Practical Guide to (Presented in English)Salle de bal Underwriting Lymphomas
Tim MeagherMB, FRCP(C), FACP, FRCP(I)Medical Director ExamOne Canada
This lecture will provide an overview of the malignant lymphomas, which includeHodgkin's disease and Non-Hodgkin's Lymphoma. The origins and naturalhistories of these malignancies will be explained, as will the modern treatmentapproaches.
Emphasis will be placed on mortality studies, providing mortality ratios for the many differentcellular types. Based on an appreciation of the mortality risk, an approach to underwriting willbe provided.
At the conclusion of this lecture, underwriters will be more familiar with these complex cancersand therefore more confident in providing a mortality assessment.
Session #3A Des ventes, du marketing et (Présenté en Français)Viger B développements de produits:
Amélioration de la mortalité – Est-ce que cela vous concerne?
Pierre Vincent, FSA, FCIAVice-président principal Stratégie des produits et profitabilité des affaires Transamerica Vie Canada /4
Projeter les améliorations de la mortalité dans le futur est un sujet d’actualité auprès desactuaires. Cette session examinera pourquoi l’amélioration de la mortalité devrait aussi être unsujet de discussion pour les tarificateurs. Les questions suivantes seront étudiées:
* Pourquoi les actuaires parlent-ils de l’amélioration de la mortalité?* Est-ce que l’amélioration de la mortalité est une bonne ou mauvaise chose pour les
compagnies d’assurance?* Dans la tarification des produits d’assurance vie actuels, quel est le niveau
d’amélioration de la mortalité utilisé?* Quel est l’impact de l’amélioration de la mortalité sur l’espérance de vie?* Est-ce que les hypothèses relatives à l’amélioration de la mortalité peuvent influencer
l’utilisation de la réassurance?* Est-ce que l’amélioration de la mortalité peut avoir une influence sur le travail des
tarificateurs?* Comment les tarificateurs peuvent-ils aider leurs clients ou employeurs à prendre les
bonnes décisions?
3:00 - 3:15 PM Refreshment Break
3:15 - 4:15 PM Breakouts Sessions - Concurrent Workshop Sessions - B
Session #1B Sales, Marketing & (Presented in English) Viger B Product Development
Mortality Improvement: Should it Matter to You?
Pierre Vincent, FSA, FCIA Senior Vice President Product Strategy & Business Profitability Transamerica Life Canada
Projecting future mortality improvement is a popular topic of discussion among actuaries. Thissession will investigate why mortality improvement should also be a topic of discussion forunderwriters. The following questions will be reviewed:
* Why are actuaries talking about mortality improvement?
* Is mortality improvement good or bad for a life insurance company?* What level of mortality improvement is currently projected in pricing of insurance
products?* What is the impact of mortality improvement on life expectancy?* Can assumptions about future mortality improvement impact reinsurance usage?* Will mortality improvements impact the day-to-day life of underwriters?* What role can underwriters play to help make the right decision?
Session #2B Un guide pratique en sélection (Présenté en Français)Viger A des lymphomes
Tim MeagherMB, FRCP(C), FACP, FRCP(I)Directeur médicalExamOne Canada
/5
Cette conférence donnera un aperçu des lymphomes malins, qui incluent la maladie deHodgkin et les lymphome non-hodgkiniens. Les origines et l'histoire naturelle de ces cancersseront expliquées ansi que les méthodes de traitement modernes.
L'accent sera mis sur les études de mortalité, en fournissant les taux de mortalité pour lesnombreux différents types cellulaires. Basée sur une appréciation de la mortalité, une approcheà la sélection des risques sera fournie.
À l'issue de cette conférence le participant sera plus familier avec ces cancers complexes etplus à l'aise en fournissant une évaluation de la mortalité.
Session #3B Financial Underwriting: (Presented in English)
Salle de Bal The Underwriter & The Art of
Understanding Financial Statements
Stephen L. Szikora, BA, Bsc, LLB, MBA, LLM
Director of Advanced Planning
Sun Life Financial
Client financial statements are one of the primary sources of information in corporate scenarios.Not all statements look alike but they do follow a similar format. This presentation will providean overview of the structure of financial statements, while at the same time highlighting specificareas where important and sometimes misleading information is contained.
This Financial Underwriting session will be an interactive one and sample statements will bedistributed and reviewed as a group.
~ ~ ~
Monday, June 7 ~ CIU Evening Eventsth
Please join us!
4:30 - 6:30 PM Cocktail Reception ~ Cash Bar Caf’ Conc’
6:30 - 9:30 PM Dinner & Entertainment with Bowser & Blue Salle de Bal
Canada’s legendary musical comedy duo, George Bowser and RickBlue have been writing and performing music and comedy togethersince 1978. Both artists are accomplished musicians, vocalists,comedians and writers.
They have been charming audiences from coast to coast for manyyears with their unique brand of social and political satire viacomedy and songs. Bowser & Blue have made numerousappearances at comedy festivals around the country includingMontreal’s prestigious Just For Laughs Comedy Festival, the CBCWinnipeg Comedy Festival, the Maritime Hubcap Comedy Festivaland the Yukon Comedy Festival. /6
Television stints have included numerous talk shows, documentaries, A&E’s Comedy OnThe Road, CBC’s Comics!, the Just For Laughs series, and seven Bowser and Bluefeatured one hour specials such as Full Frontal Unity, Two Smart Fellas-Bowser & Blue’s20 Anniversary Show, She Wants Me and their famous Christmas TV special, Bowser &th
Blue’s Comedy Christmas - Two Nuts Roasting on an Open Fire.
Many memorable songs have been customized for corporate clients, but one hasremained in their standard show repertoire and has become a huge hit for Bowser &Blue - Colorectal surgeons around the world are familiar with them through the song,“Working Where the Sun Don’t Shine” which was commissioned by the AmericanSociety of Colon and Rectal Surgeons for a convention show. In addition to both CD andlive performance, this song has achieved near cult status on the internet and is sharedaround the world.
~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~
CIU AGM 2010
Tuesday, June 8th
7:30 AM onwards Registration Salle de Bal Foyer
7:30 - 8:30 AM CIU Delegation - Continental Breakfast Salle de Bal Foyer
FALU Breakfast - By Invitation ONLY Neufchâtel - Lobby Level
CIU FALU Members & invited guests are welcome!
Join us to celebrate & congratulate new FALUs
on their achievement in Professional Development,
Invitation & RSVP required to attend this event
Please note all meetings Tuesday, June 8 are th
Plenary Sessions
taking place in Salle de Bal - Ballroom
8:30 - 9:30 AM Older Age Underwriting Salle de Bal
Rubin Becker, MDCM, FRCP(C), CSPQ
Department of Medicine, McGill University
McGill Centre for Studies in Aging
Mount Sinai Hospital, Montréal
This session with Dr. Becker focuses on a discussion of those issues in olderaged candidates that currently confront the underwriter. His presentation
includes special emphasis given to those particular and challenging underwriting issues relatingto the cardiovascular and cerebrovascular systems. /7
9:30 - 10:00 AM CIU Business Session Salle de Bal
Leslie Frade, Chair, CIU 2010
Bill Marschall, Vice Chair
Peter Speers, Treasurer
10:00 AM - 10:15 AM Refreshment Break Salle de Bal Foyer
10:15 - 11:15 AM Genetics Detective: Salle de Bal
The Future of Underwriting is Here!
Loraine A. Oman-Ganes, MD, FRCP(C), CCMG, FACMG
Chief Medical Director
RBC Life Insurance
Explore the exciting world of modern clinical genetics through analysis ofpractical case examples that demonstrate how enhancing our geneticsknowledge will optimize underwriting and client service. In addition to the wealthof information from this comprehensive genetics update, legal, ethical andclient-specific issues will also be addressed.
11:15 AM - 12:15 PM Women vs. Men.... Salle de Bal
Sex Differences in Cardiovascular Disease
Louise Pilote, MDCM, MPH, PhD
Professor of Medicine, James McGill Chair, McGill University
Director, Division of General Internal Medicine
McGill University & McGill University Health Centre
This comprehensive and in-depth overview into this disease topic with Dr.Louise Pilote presenting, delves into the importance of heart disease inwomen and identifies and provides insights into the varied aspects of thedisease, relating their differences between men and women.
12:15 - 1:45 PM CIU Cash Bar & Luncheon Viger A-B-C
Join CIU & Industry Delegates at CIU’s Hosted Networking Luncheon ~ All welcome!
1:45 - 2:45 PM Compliance, STOLI & IOLI Salle de Bal
Lessons Learned:
What the Underwriter Needs to Know
Mark Koenig, FALU, FLMI
Assistant Vice President & Chief Underwriter
Sun Life Reinsurance
/8
“Those who cannot remember the past are condemned to repeat it.”
George Santayana
Understanding the Stranger Owned Life Insurance (aka - Investor Owned Life Insurance)lessons learned in the U.S. market is critical to preventing it from happening in Canada. Theunderwriters are the first line of defense and understanding some of the red flags will allow theunderwriter to ask the proper questions and thwart any questionable practices.
This interactive session with Mark Koenig will focus discussion on what has been learned overthe past ten plus years. By examining actual STOLI cases, their outcomes and also currentlegal proceedings, this presentation will provide you with insights and the necessary tools toprotect your corporations from these questionable practices.
2:45 - 3:00 PM Refreshment Break Foyer
3:00 - 3:45 PM CIU 2010 MEDICAL PANEL Salle de Bal
The Three Emdeos !
Our lively and popular medical panel is back!
Moderated by Peter Speers, RBC Insurance, this highly informative and entertainingpanel format allows delegates to enjoy an inter-active session chock-full of information,authoritative opinions and lively debate with a focus on cutting-edge medical insights ofvital interest to underwriters.
Our Panel of MDs this year, is composed of:
Maurice Godin Tim Meagher Loraine Oman-Ganes
RGA Canada ExamOne Canada RBC Insurance
3:45 - 4:00 PM Closing Remarks
CIU Chair, 2011
Bill Marschall, FALU, FLMI
Assistant Vice President & Chief Underwriter
Canada Life Reinsurance
* * * * * * * * * * * * *
Canadian Institute of Underwriters extends sincere thanks to
Philippe Aussel, SCOR Global Life
for his significant contribution to the CIU 2010 AGM, in his role as back-up speaker.
* * * * * * * * * * * * *
CIU’s 25 Annual General Meeting ~ June 5-6-7 2011th
Marriott Toronto Eaton Centre, Toronto Ontario
* * * * * * * *
A Final Note
I am pleased to introduce myself as your CIU Chairperson for the lead into our 2011 year and Ibegin with notations of thanks.....
On behalf of the in-coming CIU Executive of 2011, I would like to thank the CIU 2010committee for hosting this important and eventful gathering of our association. I would also liketo take this opportunity to thank you, our members and colleagues, for attending this year’smeeting in Montréal.
We trust you will agree that this annual meeting of the CIU is the best forum for our industrypeers, sponsors and iconic speakers to come together to share ideas, incentives and futureplanning insights. Through this meeting, and our other CIU annual programs, we hope and trustthat your experiences of participation in our association events are at once rewarding,educational and memorable.
Meetings of this nature require careful planning and attention to details and your 2010Executive have excelled at these tasks. With your valuable feedback and ongoing support, theCIU executive have positive incentive to continue with these efforts and to offer and dedicateconsiderable personal time to the advancement of our association’s affairs. Their hard workensures that all of the CIU program events meet best quality criteria. Our industry andcontracted speakers continue to be top-notch, and our medical speakers, outstanding in theirfields.
Please join us in sincerely thanking our valued program sponsors, as with their continuedgenerosity and support, CIU is able to provide a number of quality enhancements to thesemeetings. We welcome this time to network with our sponsors’ representatives at this AnnualMeeting and other upcoming CIU events.
The CIU’s door is always open on-line for your comments, questions or concerns. Contact usat: [email protected]
Our CIU Executive Committee members will be meeting almost immediately to plan next year’sCIU 2011 Annual Meeting which will take place at the Marriott Toronto Eaton Centre over thedates of June 5-6-7, where I look forward to greeting each of you personally.
Yours Truly,
Bill MarschallBill Marschall
Chair, CIU 2011 /10
On the Occasion
of the
Annual General Meeting
of
Canadian Institute of Underwriters
June 6 - 7 - 8, 2010
Marriott Château Champlain
Montréal, Québec
It is the intent of the Canadian Institute of Underwriters
that its member companies, and their employees,
must at all times comply
with both the letter &
the spirit of Anti-Trust Laws.
Broadly stated, these laws prohibit any activities
that might lessen desirable competition among insurance companies.
This meeting is not intended to permit the formulation of any agreement,
expressed or implied,
which would in any way restrict competition.
It is the intent of the CIU to avoid all activities
which could, or might appear to violate,
Anti-Trust competitive Law.
Prohibited actions include, but are not limited to,
suggesting extra ratings or proposed business actions
regarding insurance applications
presenting certain risk profiles.
/11
CIU 2010 Executive Committee
CHAIR
Leslie Frade, MBA, FLMI, AALU, ACS
Director, Underwriting
Manulife Financial
PAST CHAIRNorm Leblond, BSc., FALU
Director, Technical Underwriting
Sun Life Assurance Company of Canada
VICE CHAIR
Bill Marschall, FALU, FLMI
AVP Underwriting & Chief Underwriter
Canada Life Reinsurance
TREASURER
Peter Speers, FLMI, AALU
Director, Underwriting, National Producer Relations
RBC Insurance Life Underwriting
MEMBERSHIP DIRECTOR
Catherine Allen, BA, FALU, FLMIVice President, Underwriting & New Business
Bermuda International Insurance Services Limited
EXECUTIVE MEMBERS
Debra Cameron, FLMI, ALHC, HIAA, ACS Senior Underwriter
RBC Insurance
Richard Camiré, FALU, ACS, AALU, ALMI Director, Underwriting
Manulife Financial
CIU 2010 Executive Committee Members
Beth Gibson, FALU, FLMI, ACS, AIAASenior Underwriter
Desjardins Financial Security
/12
Elizabeth Kemp, BA, FLMI, AALU Manager - Life Underwriting
RBC Insurance
Karen Orozco, MBA, FALU, FLMI
AVP & Chief Underwriter - New Business
Manulife Financial
Dianne Pearce, BA, FALU, FLMI
Director Underwriting
RGA Life Re of Canada
Judi Scetta, FALU, FLMI, ACS
Underwriting Manager - Wholesale
Sun Life Financial
CIU 2010 Education Committee
Chair
Marc Desrochers, BA, ACS
Assistant Vice President, Underwriting
RGA International Corporation
Executive Members
Carol Clements
Underwriter
FaithLife Financial
Liz Folk, FALU, FLMI, ACS
Senior Underwriter,Underwriting Department - US Division
Foresters
Tom Dando
Senior Underwriting Consultant, Living Benefits
Manulife Financial
Wendy Sevany
Senior Bilingual Underwriter
Sun Life Assurance Company of Canada
Sophie Clément, FLMI, RHU
Senior Underwriting Consultant
Sun Life Financial
Chris Ricketts, BA, ACS
Sr. Manager, New Business & Underwriting
Cumis Life Insurance Company
/13
Life Underwriting Board 2010
Chairperson
Jane V. Hall, FALU, FLMI, CLU
AVP Underwriting
NFP Insurance Services Incorporated
Board Members:
Brian Baxter, FLMI
Chief Underwriter
Wawanesa Life
Lesley Frade, MBA, FLMI, AALU, ACS
Director, Underwriting
Manulife Financial
Norm Leblond, BSc, FALU
Director, Technical Underwriting
Sun Life Assurance Co of Canada
Thomas McCarthy, FALU, FLMI, CLU
Senior Vice President
Swiss Re Life & Health America, Inc.
Marty Meyer, FALU, FLMI, CLU, ChFC
Senior Underwriting Auditor
Lincoln Financial
Lynn Patterson, FALU, CLU, FLMI, ICA
Chief Underwriter
Alternative & Strategic Distribution
ING-US Financial Services
Paula Romano, FALU
Vice President, Underwriting
Prudential [email protected]
/14
ALU Executive 2010
Chairperson
Lee Janecek, FALU
Woodmen of the World
Secretary
Sandy Patterson, FALU
Principal Financial Group
Treasurer
Mary Midoux, FALU
American General
Strategy & Technology Coordinator
Marty Meyer, FALU
Lincoln Financial Group
Director of Marketing
Roland Paradis, FALU
Lincoln Financial Group
Director of Continuing Education
Eric Flender, FALU
Nationwide Financial
Director of Exams
Carolyn Goshorn, FALU
Swiss Re
� � � � � � � � � � � � �
/15
CIU 2010 Annual Meeting
Speakers Biographies
Rubin Becker, MD, FRCP(C)
Dr. Becker is a Montreal-based expert in geriatric and internal medicine. He holdsnumerous medical appointments including: Montreal Jewish General Hospital’sDivision Chief of Internal Medicine, Chief of Medicine at the Jewish Rehabil itationHospital, and Associate Professor of Medicine at McGill University.
Marc-André Belzil, FSA, FCIA, AALU
Marc-André Belzil est Vice-président adjoint, Développement et Recherche avecRGA Canada et dét ient un baccalauréat en mathématiques de l’Université deMontréal et un baccalauréat en psychologie de l ’université d’Ottawa. I l compte 19ans d’expérience en assurance-vie individuelle dans des postes liés à latarif ication et évaluation de passif actuariel.
Avant de se joindre à RGA en 2002, Marc-André a travaillé pour une largecompagnie multinationale. Ses rôles chez RGA consistent principalement à latarif ication de solutions de réassurance vie et à la recherche.
Marc-André is Assistant Vice President, Development and Reseach at RGA LifeReinsurance Company of Canada. He graduated from the University of Montréal in1991 with a bachelor degree in Mathematics. He also has a bachelor degree inPsychology from Ottawa University.
He has 19 years experience in individual li fe insurance, in corporate actuarial andpricing roles. Prior to joining RGA in 2002, Marc-André worked for a largemultinational l ife insurance company in Ottawa. His work at RGA consists ofdeveloping reinsurance solutions for clients and working on research projects.
Maurice Godin, MD, FRCP(C)
A graduate of Laval University, Dr. Godin is certif ied in Internal Medicine andCardiology. He has been with RGA Canada since the very beginning and is nowtheir Medical Director based in Montréal.
In addit ion to clinical and teaching work at the Montreal General Hospital’sDepartment of Medicine, a part of McGill University Health Centre, Dr. Godin is aMedical Consultant for Manulife, Transamerica Life Canada and Empire Life.
Mary Grant, FSA, FCIA
Mary Grant, FSA, FCIA is Vice President, and Chief Financial Off icer, CanadianIndividual Insurance, Manulife Finanacial.
Ms. Grant began her career with Manulife Financial in 1976 as an ActuarialStudent in the Corporate Actuarial area. In 1979 she was promoted to AssistantActuary for the Canadian Individual Operations area.
In 1982, Ms. Grant returned to the Corporate Financial area as an Actuary and in1986, was promoted to Assistant Vice President of that department.
In 1990, Ms. Grant was appointed to the posit ion of Reinsurance Vice Presidentand Chief Financial Off icer for Manulife’s Reinsurance Division. Four years latershe was appointed to the posit ion of Vice President and Chief Financial Off icer forManulife’s Canadian Division.
In August 2002, Ms. Grant was appointed to her current posit ion of Vice Presidentand Chief Financial Off icer Canadian Individual Insurance.
Ms. Grant holds a Bachelor of Science (Mathematics) degree from the Universityof Toronto and is a member of the Society of Actuaries, Chicago, and theCanadian Institute of Actuaries.
Mark Koenig, FALU, FLMI
Mark obtained a graduate degree in Exercise Physiology from the University ofKansas and has completed his FALU and FLMI. He spent 15 years underwriting inthe Brokerage and Reinsurance market in the United States. Mark has presentedat many industry meetings on topics ranging from workf low to hazardous sports.
Mark is current ly AVP, Chief Underwriter for Sun Life Reinsurance. He has beenin Canada for only two and a half years, so please excuse his accent.
Everett Kunzelman, FLMI, ACS
Everett (Ev) Kunzelman is Vice President of Life New Business and ChiefUnderwriter for Jackson National Life Insurance Company (Jackson) and JacksonNational Life of New York. Ev joined Jackson in 1987 and was promoted toAssistant Vice President of Underwrit ing. In 1991, he accepted a posit ion atConseco, Inc., but returned to Jackson in 1996. Ev has also held underwrit ingand management posit ions at American States Life Insurance Company andIndianapolis Life Insurance Company.
Ev earned a bachelor’s degree in liberal arts with honors from Indiana University.He also holds designations of Fellow, Life Management Institute, and Associate,Customer Service from the Life Off ice Manager Association and is a FINRAregistered principal. Ev is a member of two national study groups on riskassessment and two Society of Actuaries task forces, one on preferredunderwrit ing and one on underwrit ing requirement surveys.
Ev is on the Executive Council of the AHOU and was responsible for programs inMiami (2008) and New York City (2009).
Ev is currently the Executive Vice President of AHOU for the 2010 meeting andwill be President for the 2011 meeting.
Ev lives with his wife, Amy, her two children (Lauren and Cody) and Izzy andMaya, the Golden Doodles, and has two daughters (Lori and Amy) who reside inIndianapolis. His interests include basketball, hiking, wildlife and the environment.
Stephen Lewis
Stephen Lewis is a Professor in Global Health in the Faculty of Social Sciences at
McMaster University. He is Chair of the board of the Stephen Lewis Foundation
(www.stephenlewisfoundation.org), which is dedicated to turning the tide of
HIV/AIDS in Africa. He is Co-Director of AIDS-Free World in the United States.
Mr. Lewis is a member of the Board of Directors of the Clinton Health Access
Init iative and the International AIDS Vaccine Init iative.
Stephen Lewis’ work with the United Nations spanned more than two decades. He
was the UN Secretary-General’s Special Envoy for HIV/AIDS in Africa from June
2001 until the end of 2006. From 1995 to 1999, Mr. Lewis was Deputy Executive
Director of UNICEF at the organization’s global headquarters in New York. From
1984 through 1988, Stephen Lewis was Canada’s Ambassador to the United
Nations.
Mr. Lewis was an elected member of the Ontario Legislative Assembly f rom 1963
to 1978. In 1970, he became leader of the Ontario New Democratic Party, during
which time he became leader of the Off icial Opposit ion.
Mr. Lewis is the author of the best-selling book, Race Against Time.
He holds 30 honorary degrees from Canadian universit ies and is a Companion of
the Order of Canada, Canada’s highest honour for lifet ime achievement. Mr. Lewis
was awarded the Pearson Peace Medal in 2004 by the United Nations Association
in Canada; the award celebrates outstanding achievement in the field of
international service and understanding.
In 2007, the Kingdom of Lesotho (a small mountainous country in Southern Africa)
invested Mr. Lewis as Knight Commander of the Most Dignif ied Order of
Moshoeshoe. The order is named for the founder of Lesotho; the knighthood is the
country’s highest honour.
Tim Meagher, MB, FRCP(C), FACP, FRCP(I)
Dr. Tim Meagher is a graduate of the National University of Ireland. His present
posit ion is Associate Director General, Medical Af fairs at the McGill University
Health Centre. Beyond his hospital and university duties, Dr. Meagher has spent
more than 20 years consult ing in the life insurance industry. He is presently
Consulting Canadian Medical Director at ExamOne Canada and Medical Director,
Munich Re Insurance. Dr. Meagher has had a career-long interest in medical
education at both University level and in the corporate world. He has made many
presentations at educational meetings for brokers, underwriters and physicians in
both Canada and abroad.
Dr Tim Meagher est diplômé de l’Université Nationale d'Ir lande. I l occupe
actuellement le poste de Directeur général associé, Affaires médicales au Centre
universitaire de santé McGill. En plus des responsabili tés qu'il détient à l’hôpital
et à l ’université, Dr Meagher à travail lé plus de 20 années comme consultant dans
l' industrie de l'assurance vie. I l occupe le poste de consultant directeur médical
du Canada pour ExamOne Canada et directeur médical pour Munich Re Canada.
Tout au long de sa carrière, le Dr Meagher à montré un intérêt part iculier pour
l 'éducation médicale tant au niveau universitaire, que dans le monde des
entreprises. I l a fait un grand nombre de présentations à des réunions
pédagogiques pour les court iers, les tarif icateurs et les médecins au Canada et à
l'étranger.
Loraine Oman-Ganes MD, FRCP( C),CCMG,FACMG
Loraine Oman-Ganes is the Chief Medical Director of RBC Life Insurance
Company. She is a board-certif ied clinical geneticist and pediatrician, who
completed her B.Sc.(Biology), M.D. and pediatr ic residency at the University of
Saskatchewan, and her fellowship in Clinical Genetics at the University of
Michigan. She has worked in academic, hospital-based, and community practice
settings: as a Clinical Assistant Professor in Genetics at New York Medical
College in Westchester County Medical Center, NY, a staff clinical geneticist at
North York General Hospital in Toronto, and her own community-based clinical
genetics practice in Toronto. She developed the init ial preventative genetics
program (“Medcan Genetics”) at the Medcan Clinic in Toronto. She has provided
the full range of genetic testing from classical genetics to genomics, including
pharmacogenetic testing.
Her focus is bringing the most advanced, personalized, genetics knowledge to
communities of all types, to optimize health. Her goal is to enhance
communication and knowledge sharing between the genetics community and
insurance industry.
Dr. Oman-Ganes' passions include public education about genetics and science,
as well as addressing educational needs of underserved communities, and
enhancing international collaborative science education efforts of academia,
industry, and government, particularly in the U.S. She was the Chair of the
American Society of Human Genetics (ASHG) Information and Education
committee, coordinated several projects including ASHG’s “Science Education
Summit” in Bethesda, MD.
Dr. Oman-Ganes has given numerous presentations and interactive workshops in
North America for professionals, students at all levels, and the public. She was a
board member of the Genetic Alliance, which represents over 7 mil lion people with
genetic conditions worldwide, and head judge for the past six years for the
Biotechnology Institute’s Genzyme Life Technologies Biotech Educator Award,
which selected the top biotechnology high school teacher in North America. She
represented the 8,000 members of ASHG as their sole member of the Board of
Directors of FASEB (Federation of American Societies for Experimental Biology),
based in Bethesda, MD. FASEB is the largest coalit ion of biomedical associations
in the United States, representing 23 member societies and more than 84,000
members. Dr. Oman-Ganes is the Scient if ic Chair of the 2010 CLIMOA meeting,
and the incoming CLIMOA president.
Passionate in her commitment to mentorship, education and she holds the belief
that genetics can be used as a tool to enhance literacy and health.
Louise Pilot, MD, MPH, PhD
Dr. Louise Pilote is a Professor of Medicine at McGill University and the Director
of the Division of General Internal Medicine at the McGill University Health
Centre. She holds a James McGill Chair at McGill University and a research
scholarship from the Fonds de Recherche en Santé du Quebec. She is a
practicing Internist and Epidemiologist at the Montreal General Hospital. Dr. Pilote
received her MDCM from McGill University. She then obtained an MPH from the
Harvard School of Public Health and a PhD in Epidemiology at the University of
California at Berkeley.
Dr. Pilote's interests include cardiovascular epidemiology, outcomes research,
and health services research. She is the PI for the GENESIS: an intercapacity
enhancement team on gender and sex determinants of cardiovascular diseases
funded by CIHR and the Heart and Stroke Foundation as well other studies related
to access to care for pat ients wi th congest ive hear t fa i lure , and
pharmacoepidemiology studies of cardiac medications. She is also the lead
investigator of the PRAXY (premature acute coronary syndrome in women and
men) study, a large cohort study of patients with premature ACS.
She is a mother of 5 children.
Stephen Szikora, BA, BSc, LLB, MBA, LLM
Stephen is a lawyer, specializing in tax and estate planning. Having completed
two undergraduate degrees at the University of Guelph, Stephen attended
Osgoode Hall Law School at York University and has completed graduate degrees
in business at Wilf r id Laurier University and tax law at York University.
For the past 13 years, Stephen has worked in the life insurance industry,
supporting advisors and their clients. In his current role as Director of Advanced
Planning with Sun Life Financial, Stephen is continuing in his f ield support role,
helping advisors and their clients develop and implement solutions to meet both
personal and corporate requirements. Much of this work involves using life
insurance solutions for business succession and wealth transfer purposes.
At Sun Life, Stephen’s role includes providing direct support for the underwrit ing
team through training on specif ic insurance concepts and assistance with f inancial
underwrit ing while in the field. This includes reviewing f inancial statements and
other documentation with professional advisors and interviewing clients with
complex arrangements and/or specif ic privacy.
Pierre Vincent, FSA, FCIA
Pierre s’est joint à la Transamerica en 1996 et a occupé divers postes en
tarif ication des produits, marketing, gestion des ventes, développement
d’applications informatiques et gestion de projets. Pierre est présentement vice-
président principal, Stratégie des produits et profitabili té des affaires pour les
produits d’assurance vie et de placement.
Avant de venir se joindre à l ’équipe de la Transamerica, i l a occupé les postes
suivants : vice-président, Marketing, produits vie chez NN Services Financiers et
vice-président adjoint , Allocated Products pour la Financière Manuvie. Pierre a
fait ses études à l’Université Concordia. I l détient les t itres de Fellow of the
Society of Actuaries et de Fellow de l’ Institut canadien des actuaires.
Pierre joined Transamerica in 1996 and held various posit ions in pricing,
marketing, sales management, application development and project management.
Pierre is currently Senior VP, Product Strategy & Business Prof itability for the life
and investment product lines.
Prior to joining Transamerica, Pierre held the following posit ions: VP Marketing,
Life Insurance Products at NN Financial; and Assistant Vice President, Allocated
Products at Manulife’s US Savings and Retirement Services division.
Pierre holds a Bachelor of Science with specialization in actuarial science from
Concordia University, Montreal. He holds the designation of Fellow of the Society
of Actuaries and Fellow of the Canadian Institute of Actuaries.
* * * * * * *
A c k n o w le d g e m e n ts
C IU 2 0 1 0 A G M
w is h e s to th a n k M o n t re a l T o u r is m &
th e i r p h o to s ta f f f o r p ro v id in g
v is u a l m e d ia s u p p o r t to th is p ro g ra m .
�
P h o to o f S te p h e n L e w is
c o u r te s y o f G o rd o n G r i f f i th s .
�
Photo of Bowser & Blue
courtesy of Nat Raider Productions
�
In a n e f f o r t to g re e n o u r m e e t in g s ,
C IU A G M m a te r ia ls a re e n v i ro n m e n ta l ly f r ie n d ly ,
re c yc la b le a n d /o r re u s e a b le ,
&
w i th 1 0 0 % o f p r in te d i te m s s o u rc e d
f ro m re c yc le d m a te r ia ls , p r in te d v ia ve g e ta b le b a s e d in k s ,
b y o u r tp h .c a p a r tn e rs .
* * * * * *
