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Key Person Insurance Expert Witnesses

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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 50 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, COI development development and management, 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 BOLI and COLI programs for insurance companies, banks, other financial institutions, brokers and litigation clients. This includes developing appropriate actuarial assumptions (mortality and longevity, COI management, 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
  • View Steven Eisenberg's Consulting Profile.
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    Daryll W. Martin, JD, MBA
    President
    115 Bingham Ridge Drive
    Pittsboro NC 27312
    USA
    phone: 512-940-5140
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    Daryll W. Martin, JD, MBA has a unique professional experience as a Lawyer, Insurance Broker, and Insurance Brokerage Executive. Mr Martin has over 30 years of insurance experience, serving nearly half of that time as corporate counsel for two international brokers, and the other half of that time as a senior insurance brokerage executive. 

    Broad Coverage Experience: Property & Casualty; Employee Benefits / Life & Health (qualified and non-qualified); D&O / Employment Practices Liability / Fiduciary; Property / Business Interruption / Boiler & Machinery / Inland & Ocean Marine; Casualty: General Liability / Professional Liability / Workers Compensation / Umbrella / Excess. 

    Broad Brokerage Customer Industry Experience: Construction; Energy; Transportation; Manufacturing; Financial Institutions; Health Care; Public Entity / Not For Profit; and, Technology 

    Extensive Insurance Industry Operational Experience: Executive officer of nationally ranked insurance brokers; Managed and handled a variety of international, national, and middle market accounts; Self Insurance / Large Retentions / Alternative Risk Transfer Vehicles; Foreign Placements; Wholesale Brokerage; Insurance Underwriting; Reinsurance; Technical Services / Loss Control / Actuarial/Risk Management Consulting; Actuary Services / Actuary Liability; Insurer Solvency / Market Security; Finance and Accounting; Mergers & Acquisitions; Insurance Sales; Client Service Standards; Technology Infrastructure; Human Resource Management; and, Insurer / Broker Relationship Management. 

    Areas of Expertise:

    • Bad Faith
    • Business / Employment Insurance
    • Insurance
    • Insurance Agency
    • Insurance Agent / Broker
    • Insurance Customs & Practices
    • Insurance Excess & Surplus Lines
    • Life Insurance
    • Property & Casualty Insurance
    • Risk Management
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    Carla A. D'Andre, MBA, CPCU, CLU, ARe
    President
    3540 Loquat Ave
    Miami FL 33133
    USA
    phone: 305-200-3151
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    Carla A. D'Andre, MBA, CPCU, CLU, ARe, has over 42 years of experience. The past ten years as founder of two independent P&C and L&H independent insurance agencies, licensed in 50 states; and 32 years prior to that, as a Large Insurance Brokerage, Reinsurance, and Risk Management Specialist. She has worked with such companies as Aon, Willis, XL Capital, and Swiss Reinsurance Group in senior management, global sales and account management responsibilities with multiline experts in coverage, compliance, and regulation.

    Principal at D’Andre Insurance Group, Inc., the holding company of two independent insurance agencies, Ms. D'Andre provides litigation support services in the areas of Insurance, Risk Management and Industry Standards. She is available to attorneys for both Plaintiff and Defense for review of complex insurance policies and processes, and industry standards including bad faith.

    Areas of Expertise:

    • Alternative Risk transfer
    • Bad Faith
    • Captives
    • General Liability Underwriting
    • Global Account Exposure
    • Fire Claims/ Underwriting
    • Fraud
    • Managing General Agent/ Underwriter
    • Industry Standards and Practices
    • Insolvency
    • Insurance and Program Audits
    • Insurance Business Company Management
    • Policy Rescission
    • Stop Loss Structures
    • Producer Compensation / E&O
    • Product Development
    • Professional Liability
    • Program Business - claims, Underwriting
    • Property Claims, Underwriting
    • Workers Compensation- claims and underwriting
    • Property Coverage Interpretation
    • Regulatory Compliance
    • Reinsurance
    • Restructuring
    • Risk Management
    • Run-off
    • Self–funding/ Self Insurance

    View Carla D'Andre's Consulting Profile.