Curriculum Vitae for Richard L. Bergstrom, FSA, MAAA

Milliman & Robertson, Inc.
Suite 3800
1301 Fifth Avenue
Seattle, WA 98101-2605
206.624.7940
206.340.1380 fax
rick.bergstrom@milliman.com

PROFESSIONAL EMPLOYMENT HISTORY

1984 - present

Consulting actuary with Milliman & Robertson, Inc. in Seattle, WA. Works closely with clients: designing life and health insurance products; analyzing general pricing and risk assessment issues; helping determine appropriate underwriting requirements for achieving required mortality levels; and quantifying the protective value of various underwriting tests/requirements.

In addition to client work, a frequent speaker at Society of Actuaries seminars and industry underwriting meetings, and a member of the planning and program committees of the Second International Underwriting Congress.

1982-1984

Vice President and Actuary, Great American Reserve, Dallas, TX. Project manager responsible for design, pricing, and implementation functions of all new products. Also responsible for negotiating reinsurance cover and analyzing corporate cost functions.

1979-1982

Associate Actuary, JC Penney Life, Dallas, TX. Responsible for all actuarial matters related to product development and marketing support for direct response/telemarketing distribution systems.

1972-1979

Assistant Vice President and Actuary, Mutual of Omaha, Omaha, NE. Credit insurance actuary for financial institution subsidiary, Omaha Financial Life.

EDUCATION
1964-1969: Iowa State University, Ames, IA. BS degrees in Mathematics and Physics, with minor emphasis in French.

PROFESSIONAL ORGANIZATIONS
· Society of Actuaries (SOA), Fellowship obtained in 1979
· American Academy of Actuaries, enrolled in 1979

INDUSTRY ORGANIZATIONS
· Member, Home Office Life Underwriters Association; Annual Meeting Program Committee 1996-998.
· Member, SOA Mortality and Morbidity Liaison Committee, 1993-present; chairman 1999-present.
· Member, SOA's Committee on Life Insurance Specialty Guides, 1993-1998; editor 1991-1993.
· Chairman, SOA's Continuing Education Task Force, 1995-1996.
· Member, SOA's Task Force on Preferred Underwriting and Large Amounts, 1995-present.
· Member, SOA's Product Development Section Council, 1995-1998.
· Member, Seattle Actuarial Club (1984-present).

Professional Presentations (1996-Present)
· "Underwriting Strategies in the 21st Century"; SOA; San Francisco, October 18-20, 1999.
· "Laboratory Science in the Underwriting Process"; IUC; London, June 7, 1999
. · "Effect of Lab Testing on Mortality Assumptions"; CIA; Ottawa, June 17-19, 1998.
· "Millennium Underwriting"; SOA; Maui, June 15-17, 1998.
· "The Protective Value of Urine (Revisited)"; Calypte Biomedical Conference; Charleston, May 31-June 1, 1998.
· "Critical Issues in Underwriting (IX)"; SOA; Phoenix, November 10-11, 1997.
· "Results of Second Survey on Preferred Risk Underwriting"; IHOU; San Antonio, October 12-15, 1997.
· "Can HIV-Positive Individuals Be Underwritten?"; IAC; Barbados, June 1-3, 1997.
· "How Various Underwriting Tests Affect Mortality Assumptions"; SOA; Palm Desert, May 22-24, 1997.
· "Underwriting Products for the Terminally Ill"; HOLUA; Palm Desert, May 20-22, 1997.
· "Using General Population Data to Establish Underwriting Guidelines"; IUC; Mexico City, February 24-26, 1997.
· "Critical Issues in Underwriting (VIII)"; SOA; Key West, November 18-19, 1996.
· "They Came for AIDS, They Stayed for Liver"; SOA, Orlando, October 28-30, 1996.
· "Protective Value of Urine Testing"; IHOU; San Francisco, October 14-15, 1996.
· "Protective Value of Oral Fluid Testing"; SEHOLUA; Boca Raton, June 26-28, 1996.
· "Preferred Risk Underwriting Criteria: Task Force Survey Results"; SOA; Marco Island, May 29-31, 1996.
· "Critical Issues in Life Underwriting for Asia"; IIR; Hong Kong, March 28-29, 1996.
· "Preferred Risk Underwriting Criteria"; IIR; Orlando, January 22-23, 1996.

SOA = Society of Actuaries
IIR = Institute for International Research
HOLUA = Home Office Life Underwriters Association
IHOU = Institute of Home Office Underwriters
IAC = Insurance Association of the Caribbean
IUC = International Underwriting Congress
SEHOUA = Southeast Home Office Underwriters Association
CIA = Canadian Institute of Actuaries

Published Articles (1996-Present)

Contingencies: "The Critical Line,"
November/December, 1999

Contingencies: "Deadly Force: The Risk of Hepatitis C,"
March/April, 1999

On the Risk: "The Protective Value of Hepatitis-C Screening,"
1998; Vol. 14, No. 4

On the Risk: "The Protective Value of Urine (Revisited),"
1998; Vol. 14, No. 2

Underwriter Alert: "Adding It Up: The Value of the Sentinel Effect (Revisited);
1998; Vol. 8, No. 2, Pg. 1

On the Risk: "The Actuary's Corner: Testing Options-Which One's Best for You?"
1997; Vol. 13, No. 4, Pg. 27

Contingencies: "Home HIV Testing and Its Implications"
1996; Vol. 8, No. 6, Pg. 30

Underwriter Alert: "Adding It Up: So, Which Test Really Pays the Freight?"
1996; Vol. 6, No. 4, Pg. 6

On the Risk: "Commentary: Protective Value of Urine HIV Testing"
1996; Vol. 12, No. 3, Pg. 38

Underwriter Alert: "Adding it Up: The Sentinel Effect and HIV Testing"
1996; Vol. 6, No. 2, Pg. 1

On the Risk: "Protective Value of Oral Fluid Collection and Testing"
1996; Vol. 12, No. 1, Pg. 28