Quarterly Breakfast Seminar Series - March 31, 2011

Leo has more than 30 years' experience in the underwriting community helping producers package cases for the best underwriting decision. His experience includes working for a major reinsurance company where he was responsible for underwriting operations in Canada, the United States and the Caribbean.

Following that Leo's career involved working directly with producers, their clients and advisors to resolve complex underwriting challenges, not only from a medical and financial underwriting perspective but also with respect to avocation, foreign travel and other risk factors.

Leo's involvement at point of sale results in better underwriting decisions and has helped greatly in placing rated cases. He believes strongly that the best time to impact an underwriting decision is at the beginning of the process so that the client can be presented most favourably. He is a frequent speaker at industry events. Through his company, Innovative Underwriting Inc. Leo provides access to the U.S. and Bermuda markets on cases that have received unfavourable underwriting decisions in Canada, especially with respect to the older age market, foreign travel, and other scenarios surplus to the Canadian market.

Robert E. Ward, J.D., LL.M. has practiced as a tax lawyer for 30 years. He is the sole stockholder of Robert E. Ward and Associates, P.C., a firm of tax attorneys with offices in Bethesda, Maryland and Vancouver, British Columbia. Robert E. Ward and Associates, P.C. provides tax, business, and estate planning services and represents taxpayers before the Internal Revenue Service and the United States Tax Court. The firm focuses on providing tax planning and representation to owners of privately-held businesses, integrating business succession planning with personal estate planning needs. The firm also assists clients in establishing foreign asset protection trusts, public and private tax-exempt charitable organizations, and all forms of business entities, both domestic and foreign. Working closely with Canadian legal counsel and tax advisors, the firm offers these same services for individuals and businesses residing in Canada who acquire U.S. assets or engage in U.S. investment and business activities.