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Actuarial Expert Witnesses

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Kevin M. Reopel, FSA, MAAA
35 Rugby Rd.
Feeding Hills MA 01030
USA
phone: 413-786-7925
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Kevin M. Reopel, FSA, MAAA, is an Actuarial Consultant with broad expertise both in the life insurance business and in assessing the economic value of future cash flows. Through Actuarial Litigation Consulting, this expertise is used to assess economic losses in tort cases for attorneys and to assess the terms and benefits of insurance and annuity contracts.

Mr. Reopel has worked for major life insurance companies such as Massachusetts Mutual Life Insurance Company and the Hartford Life Insurance Company. Throughout his career, he has worked extensively with insurance company attorneys and underwriters, and with state insurance department attorneys, actuaries and other regulators.

Litigation Support - Kevin Reopel provides impartial, credible assessment of Economic Loss/ Economic Damages for litigating attorneys (both plaintiff and defense), judges, estate planning attorneys, and trust departments. He also provides expert analysis of the features and benefits of in-force insurance policies for individual clients and their attorneys.

Mr. Reopel's professional services, as consultant or expert witness, are provided in both state and federal trial settings. They include preliminary review and evaluation of economic loss, pre-trial discovery, assessment of economic los, reports and affidavits, depositions, and trial testimony.

Areas of Expertise:
  • Actuary - Actuarial
  • Economic Consulting
  • Economic Damages
  • Forensic Economics
  • Insurance - Health / HMO / Disability
  • Insurance - Life & Annuities
  • Actuarial Assessment of Economic Losses For:
    • Personal Injury
    • Wrongful Death
    • Employment Termination
  • Asset Allocation from Divorce
  • Structured Settlements
  • Trust valuation
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    Charles W. Leggette
    Chief Actuary
    6828 Hyde Park Dr.
    Dallas TX 75231
    USA
    phone: 214-448-7146
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    Charles W. Leggette, Principal and Chief Actuary of Dallas Actuaries, Inc, is an active participant in governmental affairs for his profession, most recently serving on the United States Department of Labor, Regional Advisory Board.

    Mr. Leggette is a Fellow by examination of the American Society of Pension Actuaries. The Treasury Department Joint Board for the Enrollment of Actuaries has admitted him to practice before the Treasury and Labor Departments. In 1978, Mr. Leggette served as the Society’s representative on Jimmy Carter’s Presidential Committee on Pension Policy. He was appointed by the Treasury Department to the Joint Board for Enrollment of Actuaries Advisory Committee on Examinations. Mr. Leggette has served as Chairman of the Pension Actuarial Society’s Education and Examination Committee. In 1980, he was admitted to the American Academy of Actuaries. One year later, he was elected President of the American Society of Pension Actuaries.

    Charles Leggette has provided Litigation Support Services to attorneys representing Plaintiff and Defense for over 35 years. He is qualified to testify in both State and Federal court.

    Main Areas of Litigation Support:
    • Pensions - Design of Plan
    • Pension Admission Regulations
    • Compliance / Tax Issues
    • Pension Schemes
    • Insurance Related Matters
    View Charles Leggette's Consulting Profile.
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    Vera F. Dolan, MSPH, FALU
    Principal
    6238 Belgium Drive
    Las Vegas NV 89122
    USA
    phone: 702-476-8500
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    Vera Dolan is an epidemiologist with over 30 years of experience in the life and health insurance industries. She is one of the leading mortality experts in the life insurance industry. She writes underwriting manuals and policy and procedure manuals for life and health insurance companies.

    Vera has testified in both state and federal court, and has been retained in over 100 cases since 2006 for plaintiffs and defense on an equal basis. She is very credible testifying in deposition and on the stand.

    * Life expectancies that are personalized and accurate to the standards of the life insurance and life settlement industries. Addresses the cases when life expectancies that are simply taken from a life table or estimated by a doctor, actuary or biostatistician are not sufficient or credible. Addresses the cases when a complete insight into the individual's medical conditions and/or personal history of high-risk behaviors is needed to assist the judge or jury in their decision. This information often decides the case, see article for details.

    * Expert in bad faith/wrongful denial of life/health insurance claims.

    * Expert in life/health insurance underwriting material misrepresentation.

    * Expert in medical risk assessment and underwriting issues.

    * Expert in life insurance underwriting policies and procedures.

    * Expert in epidemiology. Previous cases include infectious diseases, occupational and environmental exposures, pesticides and tobacco.

    * Approved life expectancy expert with the U.S. Department of Justice.

    * Active consultant to the life insurance industry conducting cohort mortality studies, and writing underwriting and policy and procedure manuals.

    * Over 100 articles published on mortality research and underwriting.

    * Friendly, clear, concise, objective and quantitative.

    * There is no charge for the initial phone consultation.

    * There is no charge for travel time.

    2/21/2013 · Life Expectancy
    The advantages of a life expectancy using life insurance underwriting and life settlement methods include:

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    Dr. Leonard R. Freifelder
    360 Lexington Ave., 164 Floor
    New York NY 10017
    USA
    phone: 212-521-8100
    fax: 212-581-8958
    Leonard R. Freifelder earned his Doctorate and Master's degrees in Operations Research and Statistics from the University of Pennsylvania. His Bachelor’s degree is from The Wharton School of Business at the University of Pennsylvania, where he majored in Actuarial Science. Dr. Freifelder also is an Associate of the Society of Actuaries. His work experience includes private, public, and academic positions in the insurance industry and related fields.

    Dr. Freifelder is experienced in the application of Economic Models and Statistical Analysis in various types of litigation. He has been qualified as an expert in federal court and in state court in Connecticut, New Jersey, and New York and has been invited to speak about economic analysis in litigation by various legal groups in the metropolitan New York area.

    Dr. Freifelder has particular expertise in applying economic analysis, statistical techniques, and actuarial science methods to matters involving insurance and risk.
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    G. Michael Phillips, PhD
    750 E. Walnut Street
    Pasadena CA 91101
    USA
    phone: 626-744-3540
    fax: 626-744-3530
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    Phillips, Fractor, and Company (PFC) is a boutique litigation support and consulting firm that specializes in Economic, Financial, Statistical, Managerial, Valuation, Accounting, and Complex Analyses.

    PFC's team is comprised of experts and consultants who blend active academic careers with real-world experience in a variety of fields. They draw on economic theory, statistical analysis, survey research, mathematics, computer science, business theories, and management best practices to conduct high quality research based on appropriate methodology to give precise insights into specific research problems which they clearly communicate in a variety of venues.

    Litigation Support / Testifying Experts - PFC's team of PhDs and other leading experts work closely with clients from the beginning to the end of each engagement, identifying key issues, selecting appropriate methodologies, conducting and supervising analysis, writing reports, and testifying or otherwise presenting results in a clear and understandable manner.

    Labor and Human Capital Related Expertise:
    • Asbestos & Toxic Torts - Assess damages to individuals or groups from toxic torts including asbestos. Experience includes economic loss from lost years, early death, disability, limited work life, work restrictions, and secondary damages including impact on dependents, shareholders, and companies
    • Wrongful Death, Personal Injury, Medical Malpractice - Estimate the present value of lost income, lost household services, lost personal services, personal consumption adjustments, and the value of life care plans. Estimate present values and annuity equivalent values of loss and economic losses from injury. Medical malpractice cases include “bad baby”, misdiagnosis, mistreatment, unlicensed technicians
    • Employment Benefits and Compensation Litigation & Valuation - Valuation of contracts, appropriateness of executive compensation, valuation of stock options and incentive compensation plans, and valuation of private interests. Value wrongful termination, wrongful recruitment, failure to promote, constructive discharge, ADA "failure to accommodate," fraud, whistle blower, retribution, retaliation, etc.
    • Employment & Compensation Class Actions - Analyze allegations of unpaid meal and rest breaks, unreimbursed expenses, analysis of payroll rounding policies, misclassification and job content analysis, analysis of inside worker exemptions, impact of nontraditional work schedules, unpaid and underpaid overtime, and many issues associated with prevailing wage laws
    • Discrimination and Disparate Impacts - Analyze testing underrepresentation, failure to promote, income disparity, disparate impact of policy, biased pay policies, etc. Cases involve age, race, gender, orientation, religion, national origin, affiliation, and ADA related issues
    • Family Law Issues, Valuations, Appropriate Compensation Analysis - Valuation of real and personal property and community and separate property, applying business valuation techniques, analyzing appropriate compensation, valuing investment portfolios and pensions, estimating future cash needs, analyzing impact of different regional cost of living, determining value of privately held businesses, and other accounting, financial, and economic applications
    • Product Liability - Analyze customer records, perform actuarial type analysis on warranty claims and product failures, work with lemon law type issues, and perform surveys and focus groups to develop data regarding liability and damages in a wide range of product liability cases
    • Surveys & Sampling - Provide sampling and analytical services to government agencies, trade associations, corporations, and litigants. Common applications include selecting employee records to determine the estimated impact of a compensation policy and selecting purchasers of a particular consumer item to test failure rates, determining sampling frame for randomized depositions, and creating, implementing, and analyzing surveys, focus groups, census type studies, and other types of survey and questionnaire analysis
    • Statistics, Econometrics, & Forecasting - Create forecasts, "what if" simulations and models, test hypotheses, and perform custom research. Determine excessive stock trading, impact of alternative investment policies on portfolio risk and return, determine "but for" promotion patterns to assess potential glass ceiling effects, and forecast long term housing starts
    • Class Actions, Mass Actions, Mass Torts - Assess commonality, or lack thereof, using economic and statistical analysis. Cases have included discrimination in a nationwide vehicle lease agreement, damages under various FLSA claims, impact on customers of tainted pharmaceutical products, wind turbine abnormally high failure rate
    View PFC's Consulting Profile.
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    Steven A. Eisenberg
    Consulting Actuary & Owner
    1136 Old Roswell Rd
    Roswell GA 30076
    USA
    phone: 404-307-9861
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    Steven Eisenberg Insurance Actuary Expert PhotoSteven A. Eisenberg, FSA, MAAA has over 45 years actuarial experience. He offers litigation support nationwide with regard to personal injury and wrongful death economic damages, appropriate mortality, life expectancy (note: population tables, that have not been modified by an actuary for lifestyle, chronic illnesses, family history, result in unreasonably long life expectancies), interest (discount) rates, future increases in income (note: historical experience indicates that wage inflation rates are lower than discount rates). His litigation support also includes life insurance product design and pricing, compensation, illustrations, administration and management services, policyholder tax issues, and product appropriateness.

    Background Experience - Throughout his career, Mr. Eisenberg worked extensively in litigation support as an expert witness including actuarial design, administration and illustration of various life insurance and annuity products, both traditional and non-traditional, universal life (or excess interest products), and both general account and separate account variable insurance products. His expert work includes pricing these products and developing appropriate actuarial assumptions (e.g. mortality and life expectancy, interest and discount rates, agent or broker compensation and expense assumptions).

    He is also a co-inventor of several patents dealing with financial derivatives(swaps) relating to longevity and mortality mitigation.

    In 1986, Mr. Eisenberg pioneered the development of large case COLI and BOLI and unwind strategies that are still used today. He is a renown expert in designing, developing, and evaluating Bank owned life insurance (BOLI) and Corporate owned life insurance (COLI) programs for insurance companies, banks, other financial institutions, brokers and litigation clients. This includes developing appropriate actuarial assumptions (mortality and longevity, lapses and surrenders, expenses, taxes, interest and discount rates, compensation, policy dividends and life insurance company profitability and investment exposure (disintermediation)). He also developed administrative procedures, sophisticated illustration systems (for example, utilization of policy loans and partial surrenders) and insurable interest issues. His expertise includes policy owner tax issues (e.g. Section 264, 7702, 7702A, 1035) and legislative changes. He has evaluated the appropriateness of these products (general or separate account including stable value) for corporate and bank policy owners, including the accounting and financial impact to the policy owners.

    Mr. Eisenberg is a Fellow of the Society of Actuaries (1973) and a Member of the American Academy of Actuaries (1975). He has served as an Instructor of Actuarial Science at Georgia State University and delivers lectures and seminars to associations throughout the United States.

    His services are offered to clients nationwide.

    Litigation Support - Mr. Eisenberg currently provides expert litigation support for all aspects of life insurance and personal injury. He is a renowned expert in:
    • COLI / BOLI Product Design
    • Assumptions & Contracts
    • Tax History
    • Broker
    • Consultant
    • Third Party Administrator
  • Marketing and Administration
  • Compensation and Standards of Practice
  • Benefit Funding and Financial Analysis
  • life settlement
  • Loss Determination
  • Personal Injury economic Damages
  • Life Expectancy and Mortality
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    Scott J. Witt, FSA, MAAA
    6010 Preston Lane
    New Berlin WI 53151
    USA
    phone: 414-525-8212
    fax: 414-433-1864
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    Scott J. Witt, FSA, MAAA has over 18 years of experience as an Actuary in the Insurance Industry. He maintains the highest actuarial designations, FSA (Fellow of the Society of Actuaries) and MAAA (Member of the American Academy of Actuaries).

    One of the nation's only fee-only life insurance advisors, Mr. Witt serves clients throughout the U.S. including attorneys, financial planners, individuals, banks, business owners, accountants, and trustees of insurance trusts. He is compensated on a fee-only basis, allowing him to serve in a true fiduciary capacity for his clients. Because he has no financial stake in the decisions his clients make, there is no conflict of interest in his recommendations.

    Mr. Witt's litigation support services include expert analysis, reports, and testimony regarding a vast array of life insurance topics. He performs Monte Carlo simulations to demonstrate the impact of volatility on any statistical process. Mr. Witt has been retained multiple times as an expert for Plaintiffs and multiple times as an expert for Defendants in cases that were settled after the completion of his expert report and prior to his testimony. His services are also available for mediation and arbitration.

    Areas of Expertise:
    • Policy Suitability
    • Variable Life Analysis
    • Evaluation of Statements by Salespeople
    • Replacement Appropriateness
    • Life Settlement Decisions
    • Insurance Schemes
    • Damage Calculations
  • Policy Valuations
  • Insurance Appraisals
  • Insurance Bad Faith
  • Insurance Financial Analysis
  • Life Expectancy & Mortality
  • Risk Management
  • Marketing
  • Recent Case Sample:
    • 2010, French et al. v. Wachovia Bank, N.A., Case No. 06-CV-00869, US District Court, Eastern District of Wisconsin. Defense expert. Case alleged improper replacement of life insurance policies
    • 2012, First Command Financial Services, Inc. and First Command Financial Planning, Inc. v. James S. Agostini et al., Cause No. 48-259234-12, 48th Judicial District, Tarrant County, Texas. Defense expert. Case involved insurer attempting to block agents from selling in same territory; involvement was focused on sales techniques and quality of permanent life insurance policies that were impetus for agents’ departure
    View Witt Actuarial Services, Inc.'s Consulting Profile.
    4/24/2015 · Insurance
    I recently worked with an elderly woman (who I will call Beatrice) to evaluate whether or not the variable annuity she purchased less than a year ago was a good buy.

    6/16/2014 · Insurance
    When thinking about life insurance, consider three realities:

    5/16/2014 · Insurance
    Wanting a second opinion from someone that doesn't have an inherent conflict of interest - independence is the single greatest asset that a fee-only insurance advisor brings to the table, and because such an advisor is only compensated directly for the advice given and not based on the decisions the consumer makes, there is not an inherent conflict of interest - those conflicts are evident with anyone that is compensated on anything other than a fee-only basis for the advice given.

    4/21/2014 · Insurance
    Despite the best efforts of companies and agents throughout the industry, Long-Term Care insurance (LTC) policy sales have yet to blossom as much as the industry had hoped and predicted. As the Baby Boomers continue to move through the "sweet spot" of the target market for LTC, companies will no doubt redouble their efforts in pushing LTC. Two obvious questions arise. First, is LTC right for you or your client, given the particular financial circumstances, family circumstances, and family history? Second, even if it is determined that LTC makes sense, how do you wade through the myriad of companies and policy options that are available and determine the best fit?

    3/13/2014 · Insurance
    Fee-only insurance advisors serve in a true fiduciary capacity for their clients, providing independent, unbiased advice. These advisors receive no other form of compensation other than the hourly fees paid by their clients. They do not receive compensation from insurance products that their clients may decide to purchase, nor do they receive any financial incentives from steering clients toward a particular agent or company. Other than providing clients with the most knowledgeable and expert advice possible, fee-only advisors have absolutely no vested interest in the insurance decisions their clients make.

    2/10/2014 · Insurance
    Without an advocate that is looking out for their best interests, life insurance consumers are at the mercy of their life insurance agents and the companies they represent. Even the most well-intentioned agents suffer from an inherent conflict of interest, as agents derive their compensation from the products they sell. A closer look at a number of areas reveals how damaging this can be to life insurance consumers:

    1/8/2014 · Insurance
    Do you reside in Garrison Keillor's fabled Lake Wobegon? Those who own a cash value life insurance policy probably do - and probably don't even realize it! In Lake Wobegon, "all the women are strong, all the men are good looking, and all the children are above average." And any life insurance policy purchased in Lake Wobegon is no doubt better than average as well!