Tom achieved successive levels of responsibility within the Actuarial field working with the Affinity Division of North American Life Assurance Company and then Liberty Health/Ontario Blue Cross. Since 1996, Tom’s actuarial consulting firm has specialized in the product development and pricing of specialty medical and dental products and direct response marketing of life and health insurance. Tom has worked with Canadian and offshore insurers or reinsurers. Tom is recognized for superior achievement in risk assessment, profitability, and for his creativity in product development.
