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Creative, energetic, enthusiastic, knowledgeable, experienced, dedicated…
Meet the people behind ING Re risk assessment/selection –
the people with the power to put you first.
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Glenn A. Andrews CLU, FLMI |
Glenn Andrews is a senior underwriting consultant for the western region. Coming to ING in 1996, Glenn has over 28 years’ experience in the insurance industry. As a senior underwriter for a highly respected reinsurer from 1993 to 1996, Glenn wrote a white paper on alcohol and drug abuse for client reference. While Director of New Business/Underwriting for a direct writing company, he was a member of the product development committee and provided consultation on various start-up projects. In other direct writing company positions, Glenn built an enviable reputation for his work on special pilot programs — one involving conversion to the Life/70 computer system. Known for his expertise in underwriting auto racing and mountain climbing risks, Glenn co-authored ING Re’s non-medical report on "Auto Racing Guidelines" and authored the non-medical report on "Mountain Climbing Guidelines." A Fellow of the Life Management Institute (FLMI), he has completed his ALU I certificate and Chartered Life Underwriter (CLU) studies. A past member of the executive committee of the Metropolitan Underwriters Discussion Group (MUD), Glenn is currently a member of the Rocky Mountain Society of Home Office Underwriters Association and the Chicago Home Office Life and Health Underwriters Association. | |
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Susan L. Bailey FALU, FLMI |
Susan Bailey is regional underwriting director for the southeast region's client account team. Susan joined ING in 1995. Her 19 years' experience in the insurance industry includes 11 invaluable years as a senior underwriter with a direct writing company. In her role as regional underwriting director, Susan collaborates with the marketing and actuarial areas, consulting with client companies on underwriting guidelines and preferred guidelines, as well as reinsurance solutions tailored to specific client needs. Susan is part of a multi-disciplinary team dedicated to the underwriting and the research of the older age market. As ING Re's technical underwriting expert, she works with the medical, actuarial and mortality research center members of this important group. In addition, Susan is part of ING Re's large case team. Acknowledged as ING Re's aviation and older age underwriting expert, she is often invited to speak to the industry on these topics. A Fellow, Academy of Life Underwriting (FALU) and a Fellow of the Life Management Institute (FLMI), she is also a member of the Education Committee of the Academy of Life Underwriting/Seminar Group, AHOU and the Rocky Mountain Society of Home Office Underwriters Association, where she served as president from 1996-1997. Susan also served on the Executive Council of HOLUA. Susan is a long-term supporter of and ING's team coordinator for Denver's annual RACE FOR THE CURE, a 5K road race organized by the Susan G. Komen Breast Cancer Foundation to promote awareness, research, education, treatment and early detection of breast cancer. | |
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Jerry Bender CLU, FLMI |
Jerry Bender is regional chief underwriter for the western states. Having joined ING in 1990, Jerry enjoys over 30 years' experience in the insurance industry. Prior to 1990, he worked for a variety of direct writing life insurers. In his role as regional chief underwriter, he works extensively with client companies to provide consultative advice on preferred underwriting guidelines, to manage underwriting audits and to offer reinsurance underwriting solutions tailored to specific client needs. Leading our "large case" team, Jerry is well versed in jumbo financial underwriting and is a member of ING Re's retrocession task force for the United States. Jerry has participated in numerous client specific underwriting seminars on a variety of topics. A Chartered Life Underwriter (CLU) and a Fellow of the Life Management Institute (FLMI), Jerry is a member of the WHOUA Executive Committee and is past president of the Western Home Office Underwriters Association. He is also a member of the Rocky Mountain Society of Home Office Underwriters, the Continental Underwriting Congress, and AHOU. Jerry holds a bachelor's degree in business administration from the University of Omaha. | |
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Lydia Clermont FLMI |
Lydia Clermont joined ING Re in August 2003, as a senior underwriting consultant for the western region. Lydia brings to ING Re 21 years of underwriting experience. Beginning her career in 1982 with Cigna Corporation, Lydia held various positions with Connecticut life insurance companies until she moved to Denver in 1999 and joined the ING Southland Life underwriting team. In 2001, she transitioned to the position of large case underwriting director. Leaving for a short time in 2002 to pursue an underwriting management role with a direct writer in Cincinnati, Ohio, Lydia is delighted to be back in Denver to embark on a new career in reinsurance underwriting. Holding a bachelor of science degree from the University of Connecticut, Lydia is a Fellow of the Life Management Institute (FLMI). She is currently working on her Fellow, Academy of Life Underwriting (FALU) designation. Long a lover of theater, Lydia’s background includes membership on the Board of Directors (1995-1999) for the Theater Guild of Simsbury, Connecticut. As a player, she held major and minor roles in several of the group’s musical productions. | |
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Traci E. Davis ACS |
Traci Davis is a senior underwriting consultant for the eastern region. With over 15 years in the life insurance industry, she has been a part of the ING family for over 13 years. Traci’s experience includes life underwriting for both direct writing companies and reinsurers. For the past two years (prior to returning to ING), she served as a sales executive/underwriting consultant with IBU, Inc., a Hartford, Connecticut company that specializes in providing medical/financial history interviews to its life and health insurance clients. With a firm background in brokerage underwriting/impaired risk markets, Traci is experienced in large case underwriting and advanced market design concepts. She has also had exposure in training field representatives on packaging cases for successful underwriting assessment and in risk selection basics. Traci served as the 1999-2000 president of the Rocky Mountain Society of Home Office Underwriters. An Associate, Customer Service (ACS), she is currently pursuing her Fellow, Academy of Life Underwriting (FALU) and Fellow of the Life Management Institute (FLMI) designations. | |
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Mary T. Disch HIAA |
A senior underwriting consultant for the eastern region, Mary Disch has 12 years with the ING family. Before coming to us, Mary worked as a licensed commodity and real estate broker and as a health insurance underwriter. Instrumental in initiating ING Re's client Partnering Program in the United States, her accomplishments also involve past participation in a pilot imaging program — helping clients transition to an on-line underwriting/e-commerce world — and partnering with Information Technology to create an underwriting electronic comment sheet. A member of the Rocky Mountain Society of Home Office Underwriters Association, Mary has also been active in Volunteers for America for about 10 years — helping them with their meals on wheels and safe house for battered women programs. Mary also volunteers at Exempla Lutheran Hospital, on their medical floor. Holding the HIAA, Health Insurance Association of America, designation, Mary has successfully completed five FLMI exams. She is proud to be a productive member of one of the industry's leading underwriting departments. | |
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Lisa L. Duckett MD |
Dr. Duckett joined our organization in 1996. She works extensively with both risk management and mortality research. Her responsibilities include consulting with underwriters to assess mortality risk, interpreting medical information and providing educational programs to both internal and external audiences. Dr. Duckett's diverse background in psychiatry, internal medicine and insurance medicine, combined with her expertise in geriatric medicine, enhances our on-going research in product design and pricing. Speaking at industry meetings, Dr. Duckett has covered topics related to geriatric underwriting, including: the medical underwriting of dementing illnesses, including Alzheimer's and depression. In addition, she has written for the JOURNAL OF INSURANCE MEDICINE, as well as THE ING UNDERWRITER, on risk assessment of various medical conditions. Dr. Duckett is a member of the American College of Physicians (ACP). Active in the American Council for Life Insurers (ACLI), she serves as the chairman for the Medical Issues Committee. In addition, she is president-elect for the Midwestern Medical Directors Association (MMDA). Dr. Duckett holds board certification in insurance medicine as well as geriatric medicine. She earned her MD from St. George's School of Medicine in 1985 and completed her residency in internal medicine in 1990 at Presbyterian/St. Luke's Hospital in Denver, Colorado. | |
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Martin Engman MD |
Martin Engman, MD, is vice president of research and senior medical director at ING Re, Fort Wayne, Indiana. Previously, Dr. Engman held the position of second vice president and director of medical research at Lincoln Re. Responsible for medical research and underwriting consultation, he was also editor of Lincoln Re's MEDICAL RESOURCE newsletter. At ING Re, Dr. Engman’s major responsibilities include supporting our underwriting medical staff, working with our mortality and underwriting research team and developing/delivering medical research consultation. Dr. Engman is also chair of the editorial board of THE ING UNDERWRITER. Dr. Engman is active in the insurance industry, having served on the executive council of the American Academy of Insurance Medicine and as editor-in-chief of the JOURNAL OF INSURANCE MEDICINE. A frequent speaker in the insurance industry, he has written on a number of insurance topics. A graduate of Gustavus Adolphus College and the University of Minnesota Medical School, Dr. Engman is a board certified internist and is also certified in Pulmonary Disease, Critical Care Medicine, Sleep Disorders Medicine and Insurance Medicine. | |
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Debra K. Estell |
Debra (Debbie) Estell is an underwriter and EKG consultant. With ING for 15 years, Debbie is responsible for the interpretation of EKGs and treadmills, as well as for case underwriting. Debbie brings 34 years of experience and training at various southern California and Denver hospitals to her position. Most recently, Debbie contributed to the EKG section of ING Re's electronic life underwriting manual, ASCENT — The Power Revealed.® She is a member of the Rocky Mountain Society of Home Office Underwriters Association. Currently studying for her Fellow, Academy of Life Underwriting (FALU) designation, Debbie has received her ALU I and ALU II certificate. | |
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Steve Harris AALU, FLMI, ACS |
Steve Harris is a senior underwriting consultant for the western region. Steve's 14 plus years in the industry include 10 years as a senior underwriter and two years as a senior underwriting consultant for direct writing life insurers. This rich background has afforded him the opportunity to handle on-site agent training in underwriting/disability insurance issues. He has also been involved in underwriting procedure/manual development. Currently, his responsibilities include the underwriting of ING Re’s Critical Illness Insurance policies. An Associate, Academy of Life Underwriting (AALU), a Fellow of the Life Management Institute (FLMI), and an Associate, Customer Service (ACS), Steve is past president and currently a member of the Rocky Mountain Society of Home Office Underwriters Association. He is presently working toward completion of his CLU designation. A proud member of Big Brothers/Big Sisters for over seven years, Steve holds a bachelor's degree in business administration from Fort Lewis College in Durango, Colorado. | |
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Bonnie L. Hartman FALU, FLMI |
Bonnie Hartman is a lead senior underwriting consultant for the eastern region. Joining ING in 1994, Bonnie has been associated with several fine direct writing companies. She has been a presenter on both medical and financial underwriting topics at the HOLUA, the Western HOLUA regional meeting and ALU seminars. Bonnie co-authored a non-medical report on "Auto Racing Guidelines" and authored a non-medical report on "Motor Vehicle Guidelines." Having served on the board of the Colorado FLMI society, Bonnie is a Fellow, Academy of Life Underwriting (FALU) and a Fellow of the Life Management Institute (FLMI), both with distinction. She is currently a member — and past president — of the Rocky Mountain Society of Home Office Underwriters Association. A Stephen Minister, Bonnie provides crisis counseling, when called upon by her church, to those in need. Bonnie holds a bachelor’s degree in psychology from Marquette University in Milwaukee, Wisconsin. | |
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Brian C. Hiserote FLMI |
Brian Hiserote is our regional underwriting director. Brian joined ING in 1998. From 1994 to 1998, he held the position of senior underwriter/manager of contract underwriting at a highly respected reinsurance company. In this position, he helped design and implement an underwriting case management system. Brian also held the position of assistant manager at a direct writing company from 1984 to 1994. Brian’s current responsibilities include working with marketing/actuarial on pricing and servicing improvements, coordinating quality assurance efforts — including both external and internal audits for underwriting — participating in a business/technological solutions team and a task force on virtual services. His article on "Financial Underwriting in the Older Age Marketplace" appeared in our December 1998 underwriting newsletter. A Fellow of the Life Management Institute (FLMI), Brian holds a bachelor’s degree in business administration from Illinois State University. | |
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Nate Johnson FALU, CLU, FLMI |
Nate Johnson is Vice President and Chief Underwriter. Nate came to ING in 1997 as Executive Director of Underwriting. He is responsible for the overall management and direction of our underwriting department — both domestically and internationally. Nate oversees underwriting policy and direction, as well as internal/external audit procedures. Additionally, he provides leadership in the technology and product consulting area. Nate’s underwriting career began in 1979 and has involved both direct and reinsurance experience. A welcomed industry speaker, Nate has spoken on a variety of topics, including "Preferred Risk Underwriting." A Fellow of the Academy of Life Underwriting (FALU), a Chartered Life Underwriter (CLU) and a Fellow of the Life Management Institute (FLMI), he is currently a member of AHOU and the Rocky Mountain Society of Home Office Underwriters. Nate holds a bachelor’s degree in business administration from Concordia College in Moorhead, Minnesota. | |
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Kimberly Jones FLMI |
Kimberly Jones is a senior underwriting consultant for the eastern region. With the ING family for over eight years, Kimberly has over 19 years' experience in the insurance industry. This experience includes major medical and life underwriting for several direct writing companies. Involved with facultative risk selection, Kimberly is also assigned to ING Re's COLI/BOLI team of experts. A Fellow of the Life Management Institute (FLMI), Kimberly has completed her Associate of Reinsurance Administration (ARA) and is pursuing her Academy of Life Underwriting (ALU) designation. She is a member of AHOU and currently serves as the president of the Rocky Mountain Society of Home Office Underwriters. | |
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Marty Meyer FALU, CLU, ChFC, FLMI |
Marty Meyer is a senior underwriting consultant for the eastern region. With ING since 1994, Marty's 24 years in the insurance industry included valuable time as a senior underwriter with a direct writing company in Colorado. Published widely, Marty's articles have often appeared in THE ING UNDERWRITER and in ON THE RISK. Her most recent articles in this highly respected publication include: "Parkinson's Disease" July-September 1997, "Hypertrophic Cardiomyopathy" September 1998, "The Primary Glomerulonephropathies" December 1998, "MGUS: When is Benign Not Benign?" September 1999, "Atrial Fibrillation" June 2000, "Sarcoidosis" December 2000, "Chagas' Disease" June 2001, “Underwriting Pancreatitis” June 2002, “Non-alcoholic Steatohepatitis” September 2002, and “Celiac Disease” June 2003. Active in many professional societies, Marty served as president of the local Rocky Mountain Society of Home Office Underwriters from 1988-1989. With the Education Committee of the Academy of Life Underwriting since 1991, she currently serves with the Curriculum Group and as vice president and treasurer of the Association of Home Office Underwriters (AHOU). Marty is a Fellow, Academy of Life Underwriting (FALU)-with distinction, a Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), and a Fellow of the Life Management Institute (FLMI)-with distinction. She holds a bachelor's of science degree in education and a master's in arts from Eastern Illinois University in Charleston, Illinois. | |
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Jodi Przybyl McDonald FLMI |
Jodi Przybyl McDonald is a lead senior underwriting consultant for the western region. A 15-year industry veteran specializing in the large case/impaired risk marketplace, Jodi rejoined ING in 2000. Her past experience includes broker training and relationship management for several companies in the Midwest. As an ON THE RISK contributing editor, Jodi published articles including: "ADLs and IADLs in Geriatric Risk Assessment" March 1999, "Osteoporosis" June 2000, "Lung Function Measurements" December 2000, and "Triglycerides — Undervalued in Underwriting" September 2001. Now an associate editor for ON THE RISK, Jodi covers all of the North American national underwriting conferences and provides highlights of the sessions for ON THE RISK readers. A Fellow of the Life Management Institute (FLMI) working on her Fellow, Academy of Life Underwriting (FALU) designation, she is a member of the Risk Selectors Club of Kansas City. Jodi holds a bachelor of arts degree in business management/French from Central College in Pella, Iowa, and a master's in business administration from Drake University in Des Moines, Iowa. | |
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Kevin Oldani |
Our Head of Underwriting Operations, Kevin Oldani, came to ING Re in 1996. Kevin's current responsibilities include management of the underwriting department, training/mentoring in underwriting issues, conducting client visits/audits, managing client relationships for the Continental team, and underwriting management of the COLI/BOLI line of business. Focused on large case and impaired risk underwriting, Kevin is a former manager of new business and underwriting at a large brokerage insurance company. He has established alternative underwriting and evidence collection methods for COLI, BOLI, banks and direct markets and brings over 20 years of underwriting experience to our organization. This experience is continuously called upon — most recently at the 2001 October Institute meeting in Los Angeles and at the Western Home Office Underwriters meeting, when Kevin was asked to present on COLI/BOLI issues. He is a member of AHOU and the Rocky Mountain Society of Home Office Underwriters and an officer with the Southeastern Underwriters Association. | |
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Kristi Petersen MD |
Dr. Kristi Petersen, senior medical director, joined our organization in 2003. Most recently, Dr. Petersen served as vice president and medical director at ERC, after their merger with AUL Re. There, she was editor of AUL Re’s client newsletter, MEDICAL ROUNDS. She brings a wealth of insurance experience — in both the direct and reinsurance side of the business — to ING Re. This rich background includes life insurance, long-term care and disability income case underwriting and claims review, as well as review of substandard annuity, structured settlements and work with critical illness insurance products. Actively involved with underwriter education, Dr. Petersen has created in-house educational programs for underwriting staff. She has also been a speaker for the Academy of Life Underwriting (ALU) seminars, HOLUA, and the American Academy of Insurance Medicine (AAIM). Her speaking topics cover such diverse topics as: valvular heart disease, inflammatory bowel disease, the glomerulopathies, and MIB issues for medical directors. In addition, Dr. Petersen is a regular contributor to the JOURNAL OF INSURANCE MEDICINE and THE ING UNDERWRITER. Current responsibilities include consulting with underwriters to assess mortality risk, interpreting medical information and providing educational programs to both internal and external audiences. A member of the American Academy of Insurance Medicine (AAIM) and the American College of Physicians (ACP), Dr. Petersen served on the scientific program committee for AAIM’s 2002 annual meeting and recently helped to create AAIM’s Medical Information Bureau (MIB) Basic Course and Study Guide. She currently serves as the Secretary-Treasurer for the Board of Insurance Medicine. Board certified in both internal medicine and insurance medicine, Dr. Petersen is a graduate of Purdue University and the University of Iowa School of Medicine. She did a residency in internal medicine at the Good Samaritan Medical Center in Phoenix, Arizona. | |
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Curt Rullestad FLMI |
A 20-year industry veteran, Curt brought his extensive knowledge of direct life underwriting to the reinsurance arena when he joined the ING family in 1986. In his role as Regional Chief Underwriter, Curt manages the eastern relationships — working closely with the regional service teams to provide underwriting input to support the pricing process. He works extensively with client companies to provide consultative advice on preferred underwriting guidelines and to offer reinsurance underwriting solutions tailored to specific client needs. A respected industry speaker, Curt has spoken at numerous industry meetings on such topics as "Underwriting Audits," the condition of "COPD," and "Financial Underwriting." A Fellow of the Life Management Institute (FLMI), Curt is also a member — and past president — of the Rocky Mountain Society of Home Office Underwriters and currently serves on the 2003 AHOU programming committee. He is also an active member of the Volunteers for Outdoor Colorado...an organization dedicated to benefiting Colorado through environmental protection. Curt holds a bachelor's degree in psychology and a master's in business administration from the University of Iowa. | |
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Eric Scanlan |
Eric Scanlan is a senior underwriter for the western region. His seven plus years’ experience includes valuable time in the individual life and the group life and health industry. Eric spent the last four years as a senior underwriter with a respected direct writer in Kansas City, Missouri. Here, he specialized in aviation, avocation and variable universal life underwriting. In addition, he was lead underwriter for this company’s Fast Track project. Known for his comprehensive product promotion presentations to the field, Eric holds his Series 6 and 63 licenses and is currently working on his Fellow of the Life Management Institute (FLMI) designation. A past member of the Central Illinois Home Office Underwriters Association and the Kansas City Risk Selectors Group, Eric received his bachelor of science degree in finance from Illinois State University. | |
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Chris Schneider FLMI |
Chris Schneider is a lead senior underwriting consultant for ING Re. Chris rejoined ING in 1997. Influenced by ING Re's move to global operations, Chris has taken the lead role in international risk assessment. He has also pursued Spanish language studies at an area college. Chris' article on "Disease Trends in the International Market: Aids, Tuberculosis and Chagas' Disease" appeared in the April 1999 issue of THE ING UNDERWRITER. Wanting additional experience in direct underwriting, Chris left our organization for a brief time in 1994. He spent several invaluable years with a direct writing company as an underwriting consultant. During this time, he underwrote the high face amount/affluent market and learned EKG interpretation. A member of the Rocky Mountain Angling Club, Chris is a Fellow of the Life Management Institute (FLMI) and a member — prior board member — of the Rocky Mountain Society of Home Office Underwriters. He holds a bachelor's degree with a double major in economics and geography from the University of New Mexico in Albuquerque, New Mexico. | |
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Clifton P. Titcomb MD |
Clifton (Cliff) Titcomb, MD, is ING Re's vice president and chief medical director. Previously at Lincoln Re, Dr. Titcomb held the position of second vice president and medical director. Noted for his involvement in crafting Lincoln Re's electronic life underwriting manual — most notably the coronary heart disease guide and the liver function test (LFT) calculator — he also taught courses in Mortality Methodology for the American Academy of Insurance Medicine and held widely-acclaimed client seminars. Dr. Titcomb's major responsibilities include coordinating the medical department, managing relations between the medical and underwriting staff, case consultation, working with actuarial and marketing staff on new business opportunities, partnering with the mortality research and underwriting research team to help translate research findings into practical client applications, helping the ASCENT team with enhancements to our electronic life underwriting manual, and hosting future educational client seminars. On the 2000 and 2003 faculty for the Triennial Course of the American Academy of Insurance Medicine, he also serves as chairman of the Morbidity and Mortality Committee of the American Academy of Insurance Medicine and is a member of the Morbidity and Mortality Liaison Committee for the Center for Medical and Actuarial Statistics (CMAS). Dr. Titcomb received his undergraduate and MD degrees from Georgetown University and did a residency in internal medicine at the Medical College of Wisconsin. He is board certified in internal medicine and insurance medicine. | |
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Neal Wissman AALU, FLMI |
Neal Wissman is a senior underwriting consultant assigned to the eastern region. He joined ING Re’s underwriting staff in December 2003, bringing a background rich in both direct and reinsurance underwriting experience. Neal’s underwriting career began in 1965 where he worked for a highly regarded direct insurer for 15 years before moving to their reinsurance side for the next 23 years. Neal has worked in many underwriting capacities, with a strong emphasis on training. At his previous employer, he was responsible for the training of new underwriters and was also involved in medical director training. For the past two years, Neal headed a two-day seminar entitled “Fundamentals of Underwriting,” earmarked for the less experienced underwriter. A presenter at client companies and local underwriting organizations, he has spoken on such topics as: the elderly, foreign residence and travel, financial underwriting and large case management. Working out of our Fort Wayne office, Neal is a graduate of Earlham College in Richmond, Indiana. A Fellow of the Life Management Institute (FLMI), he also holds the Associate, Academy of Life Underwriting (AALU) designation. | |
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