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Life Expectancy Expert Witnesses

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Vera F. Dolan, MSPH, FALU
6238 Belgium Drive
Las Vegas NV 89122
phone: 702-476-8500
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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Carlos M Torres
3704 Sunrise Ranch Road
Southlake TX 76092
phone: 972-816-3928

1. The pathobiology, clinico-pathologic correlation, and histopathologic diagnosis of: diseases of the esophagus, stomach, small intestine, colon, rectum, anus, liver, and pancreas.

2. Human neoplasms (cancer) and preneoplastic conditions.

3. Establishing standard of care, causation and cause of death.

Dr. Torres was instrumental in creating a rather unique model of GI subspecialty-focused laboratory, that during his 12 yrs tenure became one of the largest private national Anatomic Pathology laboratories-Caris/Miraca Life Sciences.


1. Anatomic Pathology Residency: Washington Univ-Barnes Hospital 1991-94.

2. Oncologic Pathology Fellowship: M.D. Anderson Cancer Center 1994-95.

3. Gastrointestinal and Liver Pathology Fellowship: Harvard-Brigham & Womens Hospital 1995-96.

4. Instructor at Harvard Medical School: 1996-1998.

5. Assistant Professor and Director of Gastrointestinal Pathology Division at Univ. of Texas Health Science Center-Hermann Hospital, Houston Medical Center: 08/1998 - 12/2000.

6. Staff GI Pathologist and Quality Assurance Director at Caris/Miraca Life Sciences, Dallas TX: 01/2001 - 04/2012.

7. Staff Pathologist, Anatomic Pathology Division of the North Shore-LIJ Health System, Long Island NY: 05/2013 - 05/2015.

8. Staff Pathologist, Anatomic Pathology Division of Alliance Health Sciences, Dallas TX: 01/2016 - present.

9. Sole-Proprietor of "Expert Pathology Consultation Services", Dallas TX: 2001-present.
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400 Newport Center Dr., Suite 401
Newport Beach CA 92660
phone: 949-760-8600 (Office)949-355-6679 (Cell)
fax: 949-721-9121
James F. Lineback, MD, FCCP, is a multiple board-certified Pulmonary Internist and has maintained a private practice in Chest Medicine since 1984. His long career in patient care also includes 10 years in emergency medicine as well as a practice since 2005 in Newport Beach, California which utilizes the advanced technology of the emerging field of anti-aging medicine for the early detection and reversal of coronary heart disease.

Dr. Lineback has also been involved in the education of medical students, interns, and residents since 1986. As an Associate Clinical Professor of Medicine at the University of California Riverside School of Medicine, he teaches a course entitled Pathophysiology and Mechanisms of Disease.

Litigation Support - Dr. Lineback has provided expert witness services for over 25 years in medical malpractice and personal injury cases. He specializes in the determination of causation and life expectancy in complex, multi-system catastrophic injury cases. Dr. Lineback's strong background in basic science and clinical practice uniquely qualifies him to opine on behalf of both plaintiff and defendant.

Areas of Expertise:
  • Asthma
  • Catastrophic Injury
  • Chronic Lung Disease (COPD),
  • Emphysema/Chronic Bronchitis
  • Life Expectancy
  • Postoperative Complications
  • Pneumonia/Chest Infections
  • Pulmonary Embolism/DVT
  • Respiratory Failure
  • Septic Shock
  • Wrongful Death
  • Chest Trauma
  • Complex Multi-System Disorders
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    901-1851 Sherbrooke east
    Montreal H2K4L5
    phone: 514-738-6476
    François Sestier, MD, PhD, FRCPC, FACC, CIME, is a Cardiologist and Life Expectancy Calculation expert. He has over 40 years of experience in the field of medicine, 29 years as an Adult Cardiologist in the cath lab and 30 years as an Insurance Medical Officer.

    Education - Dr. Sestier graduated from medical school in Nancy, France, 1967, where he obtained certification in Cardiology, Pneumology, Occupational Medicine, and Aeronautical Medicine. In Canada, since 1973, he obtained a Quebec certification in cardiology (CSPQ), and a fellowship in cardiology of the Royal College of Physicians and Surgeons (FRCPc). Dr. Sestier also obtained a PhD in Experimental Medicine (McGill, 1977).

    Experience - Dr. Sestier has been a staff cardiologist at CHUM, Hôtel-Dieu, Montreal, medical director of Quebec Blue Cross since 1985 and medical director and vice-president of OptimumRe since 2002. He received certifications from the American Board of Insurance Medicine (1995) and the American Board of Independent Medical Examiners (2011). As a medical officer for various insurance companies, he has reviewed over 1,000 applications for life Insurance, giving advice on the Mortality and Life Expectancy associated with the applicant's medical conditions.

    Dr. Sestier - Life Expectancy Calculation

    Litigation Support - Dr. Sestier's medico-legal advice is available to counsel representing both Plaintiff and Defense. He has performed life expectancy calculations for litigation purposes on topics as diverse as traumatology, traumatic brain injury, cognitive impairment, spinal cord injury, morbid obesity, diabetes, many different cardio-vascular pathologies, sudden death, stroke, cerebral palsy, multiple sclerosis, epilepsy, asthma, chronic obstructive lung disease, sleep apnea, liver cirrhosis, hepatitis B and C, and all kinds of cancers.

    Areas of Litigation Expertise:
    • Disability Assessment
    • Permanent Disability Eligibility
    • Medical Liability
    • Insurance Médicine
    • Life Insurance
  • Health Insurance
  • Travel Insurance
  • Critical Illness Insurance
  • Life Expectancy Calculations
  • Work Life Expectancy calculation
  • View Dr. Sestier's Consulting Profile.
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    Steven A. Eisenberg
    Consulting Actuary & Owner
    1136 Old Roswell Rd
    Roswell GA 30076
    phone: 404-307-9861
    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
  • View Steven Eisenberg's Consulting Profile.