For testimonials, visit LinkedInoutlinks.gif.

Areas of Expertise

  1. taming financial risks using actuarial science and crayons
  2. helping entrepreneurs market better
  3. freely sharing what's learned through blogs etc


  • Simple, practical solutions
  • Effective presentations
  • Overcoming inertia
  • Online channel
  • Leveraging technology
  • Marketing, especially using social media


  • Fellow of the Canadian Institute of Actuaries (FCIA) in 1993
  • Fellow of the Society of Actuaries (FSA) in 1993
  • License to sell life and health insurance in Ontario
    • website: 10114903outlinks.gif (Financial Services Commission of Ontario (FSCO))


  • Member of the Toronto Board of Trade
  • Associate Member of the Conference for Advanced Life Underwriting (CALU)
    • life insurance and financial services professionals who meet specific advanced standards and requirements (limited to 400 Active Members and 200 Associate Members)
    • website: calu.caoutlinks.gif
  • member of the Association of Independent Consultants


  • member of the Estate Planning Council of Mississauga 2009-2010 (see profileoutlinks.gif)

Work Experience

Taxevity, Toronto (Dec 2009 - now)

Marketing Actuary

Risk manager to the wealthy.

Specializing in taming the financial risks of

  • living too long (longevity)
  • dying too soon (mortality)
  • paying too much tax (taxevity)

Often using the overlooked and widely-misunderstood tax advantages of life insurance.

Generally collaborate with

  • advisors (mainly insurance advisors, investment advisors, accountants, lawyers) seeking to help their clients
  • organizations seeking to help their members
  • charities seeking to help their donors donate more

"free prize": helping entrepreneurs boost their revenue by marketing better (see Marketing Actuaryoutlinks.gif blog, Marketing Reflectionsoutlinks.gif eNewsletter, [* @mActuary]outlinks.gif on Twitter)

Industrial Alliance Insurance & Financial Services, Toronto (July 2005 - Nov 2009)

Director of Advanced Marketing

National Life, Toronto (June 1991 - June 2005; 14 years)

(National Life was "harmonized" into parent company Industrial Alliance on June 30, 2005)
Actuary, Individual Insurance (April 1997 - June 2005)

Launch life, health and annuity products in Canada and Curacao for sale through advisors, National Accounts, private label partners or the Internet.

  • Report to Executive Vice President and Chief Operating Officer
  • Run a department of ten with hands-on responsibilities for
    • Product design, pricing, reinsurance and implementation
    • New business illustration software for Internet and desktop
    • Marketing support, including inforce illustration software and gathering marketing intelligence
    • e-Marketing to advisors and their clients
  • Assisted with manufacturing private label UL for MD Life, TD Life, BMO Life and CUMIS Life (since mid-1998)
    • Wrote replies to Request For Proposals and made presentations
    • Department’s effectiveness in market analysis, product design and illustration development contributed to winning bids
  • Created unique SaveTax websites: consumer-friendly education and online projection software on over 7,000 advisor-branded websites (since Jan 2000)
    • Identical content looks different due to advisor customization
    • Developed original HTML prototype, managed implementation and marketed across Canada
    • Wrote content for Term 100, Guaranteed Universal Life and Critical Illness and thoroughly reviewed remaining sections
  • Streamlined implementation process in 2003 to launch multiple products concurrently, rather than sequentially
  • Send weekly emails to advisors and customized, advisor-branded messages to their clients

Associate Actuary (1996-1997; 1 year)

  • managed 3 post-Associates of the Society of Actuaries (ASAs)
  • oversaw illustration testing and specifications
  • lead Product Design Team
  • quantified and reported financial losses for successful lawsuits against PPI and Prudential Insurance

Associate Pricing Actuary (1995-1996; 2 years)

  • continued pricing
  • wrote product descriptions and technical specifications
  • expanded planning role
  • developed “green sheets” to easily communicate complex market intelligence at a glance

Actuarial Consultant (1991-1995; 4 years)

  • priced National Life’s first true Universal Life plan using AXIS
  • tested illustration software
  • modeled UL for first-ever Dynamic Solvency Testing
  • developed formulas for administration system

Actel Resources, Toronto (1989-1991; 2 years)

Manager, Client Services

  • Trained and assisted clients in using the actuarial modeling system
  • Performed life consulting for Tillinghast
  • Tested, programmed, and developed the software
  • Documented user utilities, input items and output items

Metropolitan Life, Ottawa (1984-1989; 5 years)

Senior Actuarial Assistant

  • Group Actuarial — Pricing & Analysis (8 months)
  • Personal Insurance Financial — R&D (2 years)
  • Corporate Actuarial (2 years, as Actuarial Assistant)


University Of Western Ontario (UWO), London (1980-1984; 4 years)

  • Bachelor of Science (Honours) in Actuarial Science
  • Scholarships
    • National Sciences and Engineering Research Council (NSERC) Summer Scholarship (3rd year)
    • The London Life Continuing Actuarial Scholarship
    • UWO Continuing Scholarship (years 2-4)
    • UWO Entrance Scholarship (1st year)
  • Summer job: Group Actuarial at Crown Life in second year

PS Network

Market Better
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Spark Insight
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Grasp Risk
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blogger.png Blog
website.png Podcast
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Tame Risk
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