Faye Albert is an expert Actuary and Legal Consultant with a combination of analytical and business skills achieved through rigorous study. Her experience allows her to improve decisions by developing quantitative financial measures of uncertain future events. Ms. Albert provides actuarial consulting to insurance companies, government agencies and lawyers.

Ms. Albert has years of experience assisting clients with: Expert Opinions, Rate Filings, Claims Analysis and Compliance Support, Reserve Projections, Underwriting Analysis and Company Valuations. She also provides litigation support, which addresses estimating the financial impact of contingent events that lend themselves to actuarial analysis, involving contingencies of life, death & health changes.

Experience & Services include:

• Life Insurance Company Management
• Health Insurance Pricing & Filing
• Financial Contracts, Bonds, Life Insurance, Mortgages
• Continuing Care Retirement

Burl Daniel, CPCU, CIC, CRM entered the Insurance Industry in 1973 and was an Insurance Agency Principal for twenty three years. He is retained as a Property and Casualty Insurance Expert Witness by defense and plaintiff counsel. His career includes broad expertise across all lines of Property and Casualty insurance. Burl Daniel Associates is well-known in the legal community for responsiveness to attorney inquiries, depth of insurance knowledge and attention to detail. Their methodical case analysis, independent research and concise presentation of opinions results in credibility with juries and the courts. Representative industries include clients in Construction, Energy, Transportation, Manufacturing, Technology, Financial Institutions, Non-Profits, and Import/Export.

Mr. Daniel has the requisite knowledge to render opinions in the following areas of expertise:

Insurance Coverage Expert Insurance Agent (Broker) Error & Omission Insurance Bad Faith Commercial Auto Insurance Workers Compensation Commercial General Liability Insurance Product Liability Insurance Commercial Umbrella Excess & Surplus Lines Insurance Personal Auto and Umbrella Professional Liability (Errors & Omissions)

Claims Made Insurance Directors & Officers Liability Insurance Employment Practices Liability Property Insurance Expert Boiler & Machinery / Equipment Breakdown Business Interruption / Business Income Flood Insurance Inland & Ocean Marine Insurance Crime Insurance / Fidelity Bonds Reinsurance Claims Handling Custom & Practice

---

Donald F. Behan is a Fellow of the Society of Actuaries. His credentials have been accepted by the Casualty Practice Council of the American Academy of Actuaries. He was the Chief Actuary of Deloitte, heading a group of 100 actuaries, and after retiring from Deloitte was Director of the Actuarial Science program at Georgia State University, the largest U.S. actuarial program. He provides a variety of services related to life expectancy, insurance, and employee benefits.

Insurance Expert Network, LLC (IEN) is a network which includes over 200 highly qualified, reliable Insurance Experts with Litigation Management, Insurance Industry, and Expert Witness experience. Staffed by Insurance Industry Professionals, they easily discern requisite skills necessary to properly and fully support the Client. IEN is the only referral service providing insurance experts exclusively.

IEN provides experts for both plaintiffs and defendants

The experts in IEN are dedicated to their critical role in litigation, whether it be educating counsel on nuances of insurance, assisting attorneys in determining the merit of a case, testing potential evidence or testifying in a deposition or trial.

IEN provides in-depth knowledge of the Insurance Industry and maintains a listing of over 120 Specialized Insurance Areas. The following is a sample of these areas:

Actuary Automobile Insurance Bad Faith Binders Business Interruption Captives Construction Defects Credit Insurance Directors & Officers Excess & Surplus Lines Fidelity Fraud General Liability

Insurance Accounting Insurance Business Processes Life & Health Insurance Marine Insurance Misrepresentation Producer Errors & Omissions Producer Standards & Practices Production Development Professional Liability Property Insurance Regulatory Compliance Reinsurance Surety Workers Compensation

View the Complete List of Specialized Insurance Areas

The IEN Advantage:

1. There is no charge for referrals.
2. Generally, a nationwide search and subsequent referral can be completed within 48 hours.
3. To assist the attorney with the selection process, IEN provides a case-specific statement of qualification from each potential expert.
4. IEN personnel are highly experienced and knowledgeable about insurance.

Milliman’s Tampa Office provides Health Insurance, Health Care and Employee Benefit Consulting to law firms, insurance companies, hospitals, HMO’s, Blue Cross/Blue Shield plans, employers and government agencies. Our staff is experienced with medical, dental, long-term care, Medicare supplement & critical illness.

We assist clients nationwide with forensic actuarial work, rate filings, regulatory compliance, reserve projections, valuations, employee benefit analysis and design, mergers and acquisitions, demutualizations, claim cost analysis, and utilization management programs.

These health care services are used in litigation relating to:

Pricing & Underwriting

Senior Services

Contract Development and Negotiations

New Plan Design

Robert Hughes Associates, Inc., was founded in 1979 with the goal of providing insureds and self-insureds with an organization that was able to give responsive, innovative and objective counsel regarding their insurance and risk-based needs.

RHA, Inc., is built upon a foundation of trust, reliability, independence, diversity and objectivity. In simple terms, we work with you in a hands-on manner to bring about the very best solutions to all of your unique and complex insurance and risk-related problems.

Whether your consulting needs require Insurance, Risk Management or Actuarial Services, we can provide you with the very best solutions from the very best people in the insurance industry. If you are looking for assistance in the areas of insurance company management, specialized insurance programs or insurance-based litigation support services, we have the right people with the right experience for the job

SERVICES PROVIDED:

Litigation Support Services:

Confidential Consulting

Trial Testimony

Depositions

London Market Research

Insurance Archeology

Actuarial Services:

Adequacy of Current Reserves

Future Losses, Ultimate Losses and IBNR

Cost and Attachment Points for Excess Coverage

Current Losses and Loss Expense Reserves

Statutory Opinions on Loss Reserves

Statutory Rate Filing Requirements

Loss Reserving Data Systems and Methodologies

Annual Actuarial Valuations

Feasibility Studies

Experience Modification Analysis

Decision Analysis

Life Expectancy Models

Insurance Management:

Day to Day Company Management

Premium Levels and Loss Patterns

Supervision of Third-Party Administrators

Statutory Filings

Regulatory Correspondence and Inquiries

Monthly Financial Reports

Loss Reserve Analysis to Predict Losses

Actuarial Trending and Development

Claims Processing and Payments

Adequacy of Claims Reserves

Custom Insurance Programs:

Niche Markets

Risk retention Groups

Insurance Pools

Innovative Business Programs

Insurance and Risk Management Consulting:

Insurance Structure Review

Policy Review and Analysis

Bid Specifications

Financial Analysis of Retentions

Claims Reviews

Claims Auditing Services

Claims Management

Claims Handling Procedures