"It is unusual for an actuary to straddle both the product development and the marketing and selling disciplines, particularly for short term insurance – and even personal loans – as well as life insurance, but marketing and pioneering new products and new distribution methods are my passions."

I am an experienced marketing and product development actuary, with

• 43 years of experience developing life and short term insurance products and facilitating the successful marketing thereof (in South Africa and other countries)

• Including special expertise in developing unique products where the underlying statistics are minimal

• Unique experience in all distribution methods, including agents, brokers, direct, voluntary group, network agents, technology, etc.

• Expertise and a track record in optimizing direct marketing profit, in particular

• Proven ability to pioneer new concepts and provide strategic direction to start-up and established operations (insurance as well as other financial services, such as unsecured personal loans, etc.)