Life Insurance Expert Witnesses
Life insurance expert witnesses and consultants listed here may be able to form expert opinions, draft expert witness reports, provide expert witness testimony at deposition and/or trial as or serve as consulting (non-testifying) experts on life insurance. The life insurance expert witness listings on this page are typically from fields/areas of expertise such as: Business Operations, Financial, Insurance, Risk Management, and Securities & Investments.
Neal Bordenave, JD, CPCU, RPLU, ARM, AIC
RiskPro Insurance Services, Inc.
Arizona
Insurance, Insurance
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Broker/Agent Standard of Care, Bad Faith, Insurance Industry Customs and Practices, Property & Casualty, Life, Annuities, Excess & Surplus, Managing General Agent, Health, Surety, Professional Liability, Underwriting, Claims Practices
More than 35 years experience in the insurance industry. President/CEO of RiskPro Insurance Services, Inc.,
Professor of Risk Management and Insurance at California State University Chico (Retired 2022)
Established Expert Witness Practice in 2009. As of January 2023, more than 400 retentions and testifying in Deposition, Trial and Arbitration more than 100 times.
Education includes Juris Doctor (JD), BS Business Administration/Finance.
Chartered Property Casualty Underwriter (CPCU)
Registered Professional Liability Underwriter (RPLU)
Associate in Risk Management (ARM)
Associate in Claims (ARM)
Primary States for expert work include, California, Arizona, Nevada, Oregon, Washington, Utah, Colorado and Texas
Daniel G Fink, CIC, CRM, CPCU, CRIS, AAI
Insurance Expert Witness
Phoenix, Arizona
Insurance
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Insurance Producer Standard of Care, Insurance Bad Faith, Agents E&O, Insurance Coverages and Claims, Insurance Claim handling standards, Workers Comp, Auto Insurance, UM & UIM Insurance, Home Insurance, Insurance Disputes, Life Insurance, Health Insurance, P&C, Umbrellas, etc
Daniel Fink, [email protected], is an active insurance producer and instructor, as well as an Insurance expert witness, with over 40 years of insurance industry experience. He has earned the CIC, CRM, CPCU, CRIS, & AAI insurance certifications. As an insurance instructor, he teaches continuing education & certification classes for the CIC, CISR, and CRIS programs and speaks on many insurance topics to insurance and industry groups. Daniel is a national faculty member and education writer for The National Alliance for Insurance Education and Research. Daniel is a good communicator (BA in Journalism and English) combined with an extensive background in insurance. He served as President of the IIABAZ (Independent Insurance Agents and Brokers of Arizona) as well as head of its education committee. Daniel teaches insurance associations (Big I and PIA) in many states. Daniel serves as a member of the Independent Insurance Agents & Brokers of America’s (IIABA) “Ask an Expert” Pane...
David R. Mitchell, CPCU, CIC, MBA, MA.HR, SPHR, SHRM-SCP
Insurance Standard of Care Expert
Ideal Insurance Agency
Surprise, Arizona
Insurance
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insurance standard of care, insurance coverage, insurance bad faith, workers compensation, human resources, property and casualty insurance, life insurance, disability insurance, long term care insurance, cyber insurance, auto insurance, home insurance, business insurance
David Mitchell (“David”) has held an Arizona Property and Casualty License since 1980 and Life and Health license since 1988. He has held the Certified Insurance Counselor (hereinafter “CIC”) for over thirty years. David has attended over five hundred hours of classroom instruction with CIC primarily involving insurance policies.
In addition, David completed his Chartered Property Casualty Underwriter (“CPCU”) in 2022. The CPCU designation consists of eight parts and in the opinion of many as the highest professional property/casualty designation in the insurance industry. David holds a bachelor's in business management, a master's degree in business administration (MBA) and a master's degree in human resources.
David has been an owner and insurance producer for over 40 years and teaches insurance producers in continuing education.
David has consulted on over 65 cases as an insurance consultant and/or expert witness. The cases have primarily involved standard of care and covera...
Neal Bordenave, JD, CPCU, RPLU, ARM, AIC
RiskPro Insurance Services, Inc.
California
Insurance, Insurance
-
Broker/Agent Standard of Care, Bad Faith, Insurance Industry Customs and Practices, Property & Casualty, Life, Annuities, Excess & Surplus, Managing General Agent, Health, Surety, Professional Liability, Underwriting, Claims Practices
More than 35 years experience in the insurance industry. President/CEO of RiskPro Insurance Services, Inc.,
Professor of Risk Management and Insurance at California State University Chico (Retired 2022)
Established Expert Witness Practice in 2009. As of January 2023, more than 400 retentions and testifying in Deposition, Trial and Arbitration more than 100 times.
Education includes Juris Doctor (JD), BS Business Administration/Finance.
Chartered Property Casualty Underwriter (CPCU)
Registered Professional Liability Underwriter (RPLU)
Associate in Risk Management (ARM)
Associate in Claims (ARM)
Primary States for expert work include, California, Arizona, Nevada, Oregon, Washington, Utah, Colorado and Texas
Frank M Campbell, CLU, ChFC
Life Insurance, Annuities, Disability and LTC
Stratus Financial Partners
Riverside, California
Insurance, Financial
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Life Insurance, Annuity, Annuities, Suitability, Lapse, Life Settlement, agent, Conversion, Estate Planning, Disability Insurance, Long Term Care Insurance, Bad Faith, Beneficiary, trusts, STOLI, TOLI, Standard of Care, Expiration, Misrepresentation, Life/Disability Analyst
Expert in Permanent and Term Life Insurance, Disability, Long-Term Care Insurance as well as variable and fixed annuities. 40+ years’ experience as a high-producing agent with a Fortune 500 insurer. Past Life & Qualifying Member of Million Dollar Round Table – a trade group of top insurance producers. Chartered Life Underwriter. Chartered Financial Consultant. Licensed Life and Disability Analyst. Has reviewed and analyzed hundreds of insurance policies for issues such as suitability, expiration, beneficiaries, conversion, termination, reinstatement, value, and health of the insurer.
David R. Mitchell, CPCU, CIC, MBA, MA.HR, SPHR, SHRM-SCP
Insurance Standard of Care Expert
Ideal Insurance Agency
California
Insurance
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insurance standard of care, insurance coverage, insurance bad faith, workers compensation, human resources, property and casualty insurance, life insurance, disability insurance, long term care insurance, cyber insurance, auto insurance, home insurance, business insurance
David Mitchell (“David”) has held an Arizona Property and Casualty License since 1980 and Life and Health license since 1988. He has held the Certified Insurance Counselor (hereinafter “CIC”) for over thirty years. David has attended over five hundred hours of classroom instruction with CIC primarily involving insurance policies.
In addition, David completed his Chartered Property Casualty Underwriter (“CPCU”) in 2022. The CPCU designation consists of eight parts and in the opinion of many as the highest professional property/casualty designation in the insurance industry. David holds a bachelor's in business management, a master's degree in business administration (MBA) and a master's degree in human resources.
David has been an owner and insurance producer for over 40 years and teaches insurance producers in continuing education.
David has consulted on over 65 cases as an insurance consultant and/or expert witness. The cases have primarily involved standard of care and covera...
Steven E. Roth
Life and Disability Insurance Analyst
Agoura Hills, California
Insurance
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life insurance, disability insurance, indexed annuities, annuity, annuities, premium financing, indexed universal life, illustration, bad faith, unfair, deceptive, sales practices, misrepresentation, fraud, negligence, standard of care, STOLI, IOLI, IUL, FIA
Served as a consultant and/or testifying expert witness to national law firms and top lawyers in numerous pro-consumer cases, ranging from deceptive investment and insurance sales practices to unfair insurance claims handling (predominantly life and disability insurance and annuity cases). To date, these cases resulting in estimated $200 million plus of settlements, awards and judgments. Testified in state courts, before FINRA and arbitrations. Never disqualified or had opinions stricken.
1991 - present: Life and disability insurance agent. 2014 - present: Life & Disability Analyst.
ARTICLES AND SPEAKING ENGAGEMENTS
Articles (partial list)
Featured in Forbes Magazine: “Sounding The Alarm On Indexed Universal Life Insurance”, a consumer warning piece concerning complex premium financing and Indexed Universal Life insurance – September 23, 2020
Featured in Forbes Magazine: “Kill The Messenger”, an critique of investment advisors and products – December, 2008
Featured in Forbes Mag...
Colleen M Tangorra, CLU, ChFC
Rancho San Diego, California
Insurance, Financial
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Life Insurance, Compliance, Annuities, Variable contracts, Mutual Funds, FINRA supervision
42 years' experience in the Life Insurance and Financial Services industry. Expertise in traditional and variable life insurance and annuity contracts as well as mutual fund sales practices, compliance and operations. Experienced initially as an insurance and securities licensed professional working directly with clients, later developing skills and knowledge in sales management, training and compliance supervision of over 300 industry sales professionals. Skilled platform speaker to 300 + audiences. As a Registered Principal with the Financial and Regulatory Authority (FINRA), along with my many years of involvement in product development, internal operations of large insurance/financial services companies and compliance regulation has led me to now pursue opportunities as an expert witness. Education includes Bachelor of Science degree from State University of New York, Cum Laude; designations Chartered Life Underwriter and Chartered Financial Consultant from The American College...
Laura A. Dambier
Life Insurance Expert - Policies, Agents, Claims
Insurance Capital Consulting LLC
Avon, Connecticut
Insurance, Business Operations
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Life insurance, annuities, agent licensing, appointment, commissions, terminations, contracting, regulatory requirements, operations, customer service, call centers, home office administration processes, technology, compliance, file review, death claims, unclaimed property, policyholder services
Laura A. Dambier
Accomplished retired senior executive with more than 20 years of experience leading life insurance operations across the life cycle of a policy from life insurance and annuity agent/broker/distribution sales authorization to the sales process, compensation, customer service and claims. Areas of expertise include but are not limited to life insurance and annuity agent licensing, appointments, terminations, commissions, contracting, technology, customer service, call center and claims. Please see Insurance Capital Consulting LLC below for further detail.
Insurance Capital Consulting LLC
Led by Laura A. Dambier, Insurance Capital Consulting, LLC offers expert consulting and expert witness services related to many aspects of the life insurance industry. Areas of expertise include home office operations; agent, broker and producer licensing, appointment, supervision and termination; policyholder service including premium billing, beneficiary designations and ownership c...
Alan J Besnoff, CFP, ChFC, CLU
Securities Expert Witness & Litigation Support, LLC
Fremont, New Hampshire
Securities & Investments, Insurance
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Mutual Funds, Annuities, Financial Planning, Life Insurance, Long Term Care Insurance, FINRA, Misrepresentation, Asset Allocation, Retirement Plans, Unauthorized Trading, Suitability, churning, Supervision, Employment, U-5, Variable Annuities, Alternative Investments, CFP, Fiduciary Duty, IRAs
Alan J. Besnoff, CFP, ChFC, CLU is the founder of Securities Expert Witness & Litigation Support, LLC, and provides litigation consulting services and expert testimony for matters involving customer disputes and employment issues within the financial services industry.
Mr. Besnoff’s expert engagements typically involve sales practices and alleged violations of rules and industry standards in the areas of securities, life insurance and annuities, supervisory, and U-5/employment matters.
Mr. Besnoff has been engaged as an expert in more than 135 cases and has testified approximately 35 times.
Alan Besnoff has 30+ years of experience within the industry, primarily in supervisory and leadership positions.
Mr. Besnoff has passed FINRA registration examinations for Series 6, 63, 65, 7, 26, and 24, as well as state licensing examinations for Life Insurance & Annuities, Disability Insurance, Long Term Care Insurance, Variable Life Insurance and Variable Annuities.
Professional desi...
Charles W. Bowden, CLU, ChFC
FSP
Smithville, New Jersey
Insurance, Financial
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Life Insurance, Health Insurance, Disability Insurance, Financial Planning, Life Insurance Funding, Policy Valuation
Following graduation from Lehigh University, Charlie entered the insurance industry as an Employee Benefit Specialist. In addition to his thirty plus years of experience, he has achieved both industry recognized designations of Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC). As a Qualified Continuing Education Instructor, he teaches other licensed insurance professionals about the changing structure of the income and estate tax code, and planning strategies. Additionally, Charlie uses his experience to provide expert testimony in State and Federal Court. Charlie is a member of the Society for Financial Service Professionals, as well as a past member of their Board Authority of Directors. He maintains registration with the Financial Industry Regulatory Authority (FINRA). He is an investment Advisor Representative (IAR). As of August 2022 Retired as a Register Representative but am maintaining all insurance licensing.
Frank Seigel, CPCU
Insurance Agent/Broker Expert Witness
Ringwood Consulting Group, Inc.
Allamuchy, New Jersey
Insurance, Risk Management
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Agent/Broker, Broker Duties, Agent/Broker Duties & Responsibilities, Agent/Company Relations, Bad Faith, Coverage, Errors & Omissions, E&O, Coverage Disputes, Excess/Surplus, Surplus Lines, Casualty, Property, Life, Health, Disability, Contractual Disputes, Arbitration, Mediation, Standards of Care
PROFESSIONAL ACTIVITIES
• Past President, New Jersey Chapter Society of CPCU
• Current and Past President, Independent Insurance Agents of Essex County, Inc.
• Past President, Surplus Lines Association of New Jersey, Inc. (NJSLA)
• Former Member, New Jersey Department of Insurance Committee Education
• Former Member, Grading Panel for the Insurance Institute of America
• Former Arbitrator for the American Arbitration Association.
• Panelist, ABA Conference on Banking and Insurance
• Attendee, New Jersey Conference on ECRA
• Guest Speaker and Presenter for various professional, academic, and civic groups including New Jersey Chapter CPCU, Independent Insurance Agents, Seton Hall University Continuing Education Department, National Association of Insurance Women (NAIW), Local Rotaries, and Insurance Service Office (ISO)
• NJ State Approved Volunteer Mediator for Municipal Court Matters
• Member, Professional Liability Underwriting Society (PLUS)
• Member, National Association of Prof...
David R. Mitchell, CPCU, CIC, MBA, MA.HR, SPHR, SHRM-SCP
Insurance Standard of Care Expert
Ideal Insurance Agency
New Mexico
Insurance
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insurance standard of care, insurance coverage, insurance bad faith, workers compensation, human resources, property and casualty insurance, life insurance, disability insurance, long term care insurance, cyber insurance, auto insurance, home insurance, business insurance
David Mitchell (“David”) has held an Arizona Property and Casualty License since 1980 and Life and Health license since 1988. He has held the Certified Insurance Counselor (hereinafter “CIC”) for over thirty years. David has attended over five hundred hours of classroom instruction with CIC primarily involving insurance policies.
In addition, David completed his Chartered Property Casualty Underwriter (“CPCU”) in 2022. The CPCU designation consists of eight parts and in the opinion of many as the highest professional property/casualty designation in the insurance industry. David holds a bachelor's in business management, a master's degree in business administration (MBA) and a master's degree in human resources.
David has been an owner and insurance producer for over 40 years and teaches insurance producers in continuing education.
David has consulted on over 65 cases as an insurance consultant and/or expert witness. The cases have primarily involved standard of care and covera...
Neal Bordenave, JD, CPCU, RPLU, ARM, AIC
RiskPro Insurance Services, Inc.
Bend, Oregon
Insurance, Insurance
-
Broker/Agent Standard of Care, Bad Faith, Insurance Industry Customs and Practices, Property & Casualty, Life, Annuities, Excess & Surplus, Managing General Agent, Health, Surety, Professional Liability, Underwriting, Claims Practices
More than 35 years experience in the insurance industry. President/CEO of RiskPro Insurance Services, Inc.,
Professor of Risk Management and Insurance at California State University Chico (Retired 2022)
Established Expert Witness Practice in 2009. As of January 2023, more than 400 retentions and testifying in Deposition, Trial and Arbitration more than 100 times.
Education includes Juris Doctor (JD), BS Business Administration/Finance.
Chartered Property Casualty Underwriter (CPCU)
Registered Professional Liability Underwriter (RPLU)
Associate in Risk Management (ARM)
Associate in Claims (ARM)
Primary States for expert work include, California, Arizona, Nevada, Oregon, Washington, Utah, Colorado and Texas
Frank Seigel, CPCU
Insurance Agent/Broker Expert Witness
Ringwood Consulting Group, Inc.
Pennsylvania
Insurance, Risk Management
-
Agent/Broker, Broker Duties, Agent/Broker Duties & Responsibilities, Agent/Company Relations, Bad Faith, Coverage, Errors & Omissions, E&O, Coverage Disputes, Excess/Surplus, Surplus Lines, Casualty, Property, Life, Health, Disability, Contractual Disputes, Arbitration, Mediation, Standards of Care
PROFESSIONAL ACTIVITIES
• Past President, New Jersey Chapter Society of CPCU
• Current and Past President, Independent Insurance Agents of Essex County, Inc.
• Past President, Surplus Lines Association of New Jersey, Inc. (NJSLA)
• Former Member, New Jersey Department of Insurance Committee Education
• Former Member, Grading Panel for the Insurance Institute of America
• Former Arbitrator for the American Arbitration Association.
• Panelist, ABA Conference on Banking and Insurance
• Attendee, New Jersey Conference on ECRA
• Guest Speaker and Presenter for various professional, academic, and civic groups including New Jersey Chapter CPCU, Independent Insurance Agents, Seton Hall University Continuing Education Department, National Association of Insurance Women (NAIW), Local Rotaries, and Insurance Service Office (ISO)
• NJ State Approved Volunteer Mediator for Municipal Court Matters
• Member, Professional Liability Underwriting Society (PLUS)
• Member, National Association of Prof...
David R. Mitchell, CPCU, CIC, MBA, MA.HR, SPHR, SHRM-SCP
Insurance Standard of Care Expert
Ideal Insurance Agency
Washington
Insurance
-
insurance standard of care, insurance coverage, insurance bad faith, workers compensation, human resources, property and casualty insurance, life insurance, disability insurance, long term care insurance, cyber insurance, auto insurance, home insurance, business insurance
David Mitchell (“David”) has held an Arizona Property and Casualty License since 1980 and Life and Health license since 1988. He has held the Certified Insurance Counselor (hereinafter “CIC”) for over thirty years. David has attended over five hundred hours of classroom instruction with CIC primarily involving insurance policies.
In addition, David completed his Chartered Property Casualty Underwriter (“CPCU”) in 2022. The CPCU designation consists of eight parts and in the opinion of many as the highest professional property/casualty designation in the insurance industry. David holds a bachelor's in business management, a master's degree in business administration (MBA) and a master's degree in human resources.
David has been an owner and insurance producer for over 40 years and teaches insurance producers in continuing education.
David has consulted on over 65 cases as an insurance consultant and/or expert witness. The cases have primarily involved standard of care and covera...
