On the Right Course - Munich American Reassurance Company

On the Right Course
PORTRAIT 2007

On the Right Course M A N A G E M E N T
MARC remains on the right course in 2007. Our financial strength and stability is
unparalleled in the industry and we continue to be customer focused—responding
quickly to your requests and looking for unique solutions. We accomplish this by
giving you access to unparalleled expertise in underwriting, pricing, administrative
and claims support. MARC is continually investing in resources that enable our
team of reinsurance professionals to increase their knowledge of industry issues
and in turn share this information with you.
Through our creativity and commitment to excellence, MARC is able to provide
customized services to meet your individual needs.
• Our underwriting and medical staff uses their experience, judgment and strong
communication skills to provide competitive and consistent underwriting.
• Our actuaries have the experience to offer competitive quotes on a wide range
of products that are beneficial to both you and MARC.
• Our claims and administrative staff have many years of experience and
are eager to respond to issues ranging from design and implementation of
systems, to providing timely advice related to adjudicating a claim.
Financial strength and security is important in today’s reinsurance market.
Based on our solid, consistent performance, MARC gives our clients the security
of a well established reinsurance partner that consistently receives some of the
highest ratings possible from the leading rating agencies. We are backed by the
worldwide expertise of our parent company, Munich Re, the world’s largest
reinsurance group. This financial strength gives MARC the capacity to grow and
to provide the security that our clients need.
Competition for reinsurance is strong. Through our organization, we at MARC
aim to earn and keep your business by providing flexibility and innovation in your
reinsurance needs, while continuing to enhance the already high level of customer
service that we provide you.
David M. (Dave) Holland
President / Chief
Executive Officer
dholland@marclife.com
(770) 350-3201
James L. (Jim) Sweeney
Executive Vice President /
Chief Operating Officer
jsweeney@marclife.com
(770) 350-3202
Jeffrey S. (Jeff) Katz
Executive Vice President /
Chief Financial Officer
jkatz@marclife.com
(312) 863-8253
(770) 350-3288
Randall M.
(Randy) Benton
Senior Vice President
rbenton@marclife.com
(770) 350-3256

T R E A T Y / C E N T R A L
The Treaty Division is responsible for the development and management of our
client relationships and includes pricing, marketing and negotiating treaty terms.
Our goal is to provide the highest level of customer service to you by thoroughly
understanding your products and needs.
We place a high value on direct personal contact with our clients. Our marketing
representatives, along with our actuaries, underwriters, claims and administration
experts will respond quickly to your reinsurance needs, and provide assistance to
answer any questions that you might have. We want our clients to know that we
care about your business and that we value your partnership.
David M. Bruggeman
Assistant Vice President /
Actuary
dbruggeman@marclife.com
(770) 350-3294
Jacquese B. (Jackie) Jones
Assistant Secretary
jjones@marclife.com
(770) 350-3240
Ann M. Dombrowski
Senior Treaty Associate
adombrowski@marclife.com
(678) 320-3428
Betty C. Neimy
Assistant Vice President
bneimy@marclife.com
(678) 320-3434
Timothy E. (Tim) Hale
Assistant Vice President
thale@marclife.com
(770) 350-3265
Kenneth T. (Kent) Stubbs
Assistant Actuary
kstubbs@marclife.com
(678) 320-3447
Dale B. Hintz
Vice President
dhintz@marclife.com
(770) 350-3242
MARC has both the expertise and experience to understand the risks associated
with insurance products. We continually update our medical and mortality research
to give you a competitive quote and excellent service. We are one of only a few
reinsurers active in all major lines of business and therefore are in a unique position
to reinsure new product designs, such as annuity/LTC combinations.
MARC has maintained close partnerships with many of our clients that span many
years. We are committed to working in partnership to continue to provide the high
level of service and innovative products that our clients have come to expect.
James M. (Jim) Filmore
Second Vice President /
Actuary
jfilmore@marclife.com
(678) 320-3468
Shih Fang Lin
Senior Treaty Associate
slin@marclife.com
(678) 320-3466
Dana Hunt
Assistant Vice President /
Actuary
dhunt@marclife.com
(678) 514-5635
Paul R. Myers
Assistant Vice President /
Actuary
pmyers@marclife.com
(678) 320-3469
Carol W. Sullivan
Assistant Vice President
csullivan@marclife.com
(770) 350-3224
T R E A T Y / C O A S T A L
William F. (Bill) Jackson
Actuarial Assistant
wjackson@marclife.com
(770) 350-3287
Lisa K. Clanton
Treaty Associate
lclanton@marclife.com
(678) 320-3489
Tawanna C. Kirkland
Treaty Associate
tkirkland@marclife.com
(678) 320-3481
Laiping Wong
Assistant Actuary
lwong@marclife.com
(678) 514-5617

U N D E R W R I T I N G / L I F E
MARC’s goal in risk selection is to help steer you in the direction that will give
you the best result for your Life, Disability Income or Long Term Care business.
With offi ces in Atlanta and Chicago, we have a large number of direct-experienced
underwriters and a staff of four full-time medical directors to help you meet your
facultative challenges. In addition, we have web-based underwriting manuals whose
impairments are continually being researched to provide the most up-to-date
information and assessments for our clients. With MARC, our service will help you
navigate through your complex cases and arrive at the most sound and profi table
decisions, ensuring we both are “On the Right Course” for 2007 and beyond.
Joan L. Banta
Underwriting Consultant
jbanta@marclife.com
(312) 863-8260
Rhonda Brantley
Underwriting Consultant
rbrantley@marclife.com
(312) 863-8263
Lynn C. Bernstein
Underwriting Consultant
lbernstein@marclife.com
(312) 863-8261
Christopher C. (Chris)
Bruzzini
Regional Underwriting
Consultant
cbruzzini@marclife.com
(312) 863-8264
Patrick Brachmann
Senior Underwriter
pbrachmann@marclife.com
(312) 863-8277
John T. (Tim) Burk
Assistant Secretary
tburk@marclife.com
(312) 863-8265
Kathryn J. Bradley
Underwriting Consultant
kbradley@marclife.com
(312) 863-8262
Craig W. Duffney
Underwriting Consultant
cduffney@marclife.com
(312) 863-8267
Debra B. Estes
Underwriting Consultant
destes@marclife.com
(312) 863-8268
Pamela F. (Pam) Hilton
Senior Underwriter
philton@marclife.com
(678) 514-5606
Michael T. (Mike) Freeman
Assistant Vice President
mfreeman@marclife.com
(312) 863-8269
Cynthia D. Hobbs
Underwriting Consultant
chobbs@marclife.com
(312) 863-8274
U N D E R W R I T I N G / L I F E
David C. Goehrke
Assistant Vice President
dgoehrke@marclife.com
(312) 863-8270
Brenda Jakious
Underwriting Consultant
bjakious@marclife.com
(312) 863-8272
Michael R.
(Mike) Happold
Second Vice President
mhappold@marclife.com
(312) 863-8271
Donald B. (Don) Lanier
Vice President / Chief
Underwriter
dlanier@marclife.com
(770) 350-3216

U N D E R W R I T I N G / L I F E
Barbara J. Lawless
Senior Underwriter
blawless@marclife.com
(312) 863-8266
Paul J. Miller
Assistant Vice President
pmiller@marclife.com
(678) 320-3480
Marc J. Lounds
Underwriter
mlounds@marclife.com
(312) 863-8276
Timothy J. (Tim) Miller
Regional Underwriting
Manager
tmiller@marclife.com
(678) 514-5605
Robert T. (Bob) McDonald
Underwriting Consultant
bmcdonald@marclife.com
(770) 350-3217
Sherry R. Queen
Underwriting
Administrative Supervisor
squeen@marclife.com
(770) 350-3277
Michelle McElhaney
Underwriting
Administration Supervisor
mmcelhaney@marclife.com
(312) 863-8284
Ruby Y. Rothwell
Senior Underwriter
rrothwell@marclife.com
(678) 514-5639
Lisa E. Rybicki
Senior Underwriter
lrybicki@marclife.com
(312) 863-8282
Cheryl E. Sweeney
Underwriting Consultant
csweeney@marclife.com
(312) 863-8275
Russell E. Scott
Senior Underwriter
rscott@marclife.com
(312) 863-8278
James A. Swinton
Assistant Vice President
jswinton@marclife.com
(770) 350-3205
U N D E R W R I T I N G / L I F E
Richard J. (Rich) Silva
Senior Underwriter
rsilva@marclife.com
(678) 514-5607
Jay C. Tildon
Underwriting Consultant
jtildon@marclife.com
(678) 514-5637
C. Doug Smith
Underwriting Consultant
dsmith@marclife.com
(770) 350-3208
Aileen M. Uribe
Senior Underwriter
auribe@marclife.com
(312) 863-8259

U N D E R W R I T I N G / I N D I V I D U A L H E A L T H
Jody L. Boyer
Underwriting Consultant
jboyer@marclife.com
(678) 320-3475
Christine Little
Senior Underwriter
clittle@marclife.com
(678) 514-5638
W. Scott Gilliam
Second Vice President
sgilliam@marclife.com
(770) 350-3219
Timothy J. (Tim) Reed
Senior Underwriter /
Long Term Care
treed@marclife.com
(770) 350-3297
Angela M. (Angie) Haskins
Assistant Secretary
ahaskins@marclife.com
(770) 350-3246
Gina C. Guzman, M.D.
Second Vice President /
Medical Director
gguzman@marclife.com
(312) 863-8256
Robert W. (Rob) Lund, M.D.
Vice President / Medical
Director
rlund@marclife.com
(770) 350-3251
U N D E R W R I T I N G / M E D I C A L
Robert E. Shepherd, M.D.
Vice President / Medical
Director
rshepherd@marclife.com
(312) 863-8255
Mark E. Skillan, M.D.
Vice President / Medical
Director
mskillan@marclife.com
(770) 350-3229

G R O U P & C R E D I T
Our objective is to create a reinsurance partnership to help customers manage risk
and improve results. We accomplish this by using our expertise to design Group and
Credit reinsurance agreements to complement your risk management goals and by
providing excellent reinsurance products and services. We respond quickly to your
needs and requests so that you can serve your market. We maintain competitive
reinsurance terms to foster long-term relationships.
MARC has been reinsuring Group products since 1962. We currently reinsure
some of the largest Group carriers in the United States. Our products include
Life, AD&D and Disability. Our staff has many years of combined experience
in the direct market, meaning we have a great deal of expertise to share with
our client base. MARC’s experienced Group area continually provides assistance
to our clients with such needs as facultative underwriting, rating reviews, claim
consultation and a range of other services. In addition, our Group Administrative
area offers tremendous fl exibility, with the added benefi t of often simplifying
and/or enhancing your reinsurance reporting needs.
Richard F. Beckel
Assistant Secretary,
Group Marketing
rbeckel@marclife.com
(678) 514-5641
Shirley A. Caylor
Supervisor, Treaty
scaylor@marclife.com
(770) 350-3223
Malinda E. (Meg) Gritzke
Manager, Group
Administration
mgritzke@marclife.com
(770) 350-3286
James B. (Jim) Hiers III
Assistant Vice President
jhiers@marclife.com
(770) 350-3234
Joseph W. (Joe) Malone
Assistant Vice President
jmalone@marclife.com
(770) 350-3228
Stephen J. Rulis
Second Vice President /
Group Actuary
srulis@marclife.com
(678) 320-3449
G R O U P & C R E D I T
As the leading excess Credit reinsurer in the United States, MARC offers a
tremendous amount of expertise to our large client base. In addition to reinsuring
Credit Life and Disability risk, MARC also has the fi nancial strength to assist
companies in managing surplus cost. MARC’s Credit staff has many years of
experience that provides you with the expertise you are looking for in Credit
reinsurance, particularly in the areas of underwriting and claims. Our periodic
Credit Insurance Seminar focuses on important claim and underwriting issues
in today’s credit insurance market and is available to all our Credit clients.
Thomas K. (Tom) Penn-David
Vice President
tompenn@marclife.com
(770) 350-3266
Embert G. (Bert) Sosnin
Assistant Secretary /
Manager, Claims
bsosnin@marclife.com
(678) 320-3485
Ronald S. (Ron) Ragan
Group Underwriting
Consultant
rragan@marclife.com
(678) 514-5632
Todd A. Tucker
Senior Group Underwriter
ttucker@marclife.com
(770) 350-3267
Janice D. Robertson
Manager, Administration /
Accounting
jrobertson@marclife.com
(770) 350-3247
Pamala S. (Pam) Wilson
Supervisor
pwilson@marclife.com
(770) 350-3289

I N D I V I D U A L H E A L T H
L O N G T E R M C A R E
Demographics and fi scal trends make long-term care an important growth
product for the life and health industry. While the LTC market offers profi table
new opportunities, it also presents a unique set of challenges. MARC is committed
to helping our clients meet these challenges through a combination of sharing
knowledge and providing care and risk management products.
Our approach is to work in partnership with you to reach solutions that manage the
complexities of long-term care risks. We are affi liated with LifePlans, Inc., one of
the best-regarded research and service companies in the long term care industry. By
having direct access to LifePlans, we expect to continue to offer a seamless approach
when designing and developing new products and services that will benefi t our
clients today and into the future.
D I S A B I L I T Y I N C O M E
MARC provides the knowledge and fi nancial capacity to support and manage
risk in today’s disability income market. Our experienced team of reinsurance
professionals from diverse disciplines is available to assist our clients in such
areas as underwriting management, actuarial analysis and claims management.
We are committed to the future by providing reinsurance for the evolving needs of
the disability income market. Our main focus is to use our fl exibility and creativity
to provide customized solutions specifi c to the needs of our clients, and to help
our clients succeed in this complex marketplace.
Andronico L. (Andy) Castillo
Vice President / Actuary
acastillo@marclife.com
(770) 350-3241
Mark J. Costello
Assistant Vice President / Actuary
mcostello@marclife.com
(678) 320-3472
A S S E T B A S E D P R O D U C T S
Even as demographics point to the continued growth of asset-based products, the
securities markets continue to display a high level of volatility. In this environment,
MARC offers financial strength supported by an understanding of the risks involved
to provide reinsurance to clients offering asset-based products. MARC’s actuarial
team, supported by Munich Re’s North American asset managers at MEAG-New York,
will work with clients to build a partnership to share the risks and provide the
capital support necessary to grow in this market.
Rebecca F. (Becky) Cahill
Assistant Vice President /
Actuary
rcahill@marclife.com
(312) 863-8293
Gary S. Lange
Assistant Vice President /
Actuary
glange@marclife.com
(312) 863-8291

M O R T A L I T Y R E S E A R C H
MARC’s mortality research unit supports the process of acquiring profitable
business by providing scientific insight into the estimation of future claim costs.
We do this by analyzing our own mortality experience, by conducting original
research on mortality and longevity risk, by utilizing current actuarial research and
by connecting to the worldwide resources of Munich Re.
Thomas P. Edwalds
Assistant Vice President,
Mortality Research
tedwalds@marclife.com
(312) 863-8290
Augusta Alexander
Assistant Secretary
aalexander@marclife.com
(678) 514-5626
Patricia J. (Patti) Smith
Assistant Vice President
psmith@marclife.com
(770) 350-3206
Anthea D. Cote
Assistant Secretary
acote@marclife.com
(678) 514-5640
Karen E. Tapelband
Assistant Vice President
ktapelband@marclife.com
(678) 320-3442
A D M I N I S T R A T I V E S E R V I C E S
The strength and stability of MARC’s Administration Department comes from
the many functional experts we have on staff. Our staff has many years of experience
and dedication to the insurance and reinsurance industry with extensive backgrounds
in administration and data analysis for the multiple lines of business in which we
provide capacity. Beyond the experts in Atlanta, as part of the Munich Re Group, we
have direct access to functional experts across the globe. This strength and stability
enable us to respond to our clients’ needs in a timely and innovative manner.
We welcome the opportunity to become more familiar with our clients’ operations,
as well as our clients’ staff, in order to strengthen our partnerships.
Andrea L. Holly
Assistant Secretary
aholly@marclife.com
(770) 350-3252

A D M I N I S T R A T I V E S E R V I C E S
Kathryn S. (Kathy) Brown
Assistant Coordinator
kbrown@marclife.com
(678) 320-3420
Maureen B. Price
Training Supervisor
mprice@marclife.com
(678) 320-3435
Shirley J. Conell
Region Supervisor
sconell@marclife.com
(678) 320-3425
Demetria M. Wallace
Region Supervisor
dwallace@marclife.com
(770) 350-3231
Karen Degrassi
Assistant Coordinator
kdegrassi@marclife.com
(678) 320-3456
Vicki M. Wiechert
Region Supervisor
vwiechert@marclife.com
(678) 320-3438
Ricky G. Peterson
Region Supervisor
rpeterson@marclife.com
(770) 350-3271
Judy O. Wiley
Region Supervisor
jwiley@marclife.com
(770) 350-3280
A D M I N I S T R A T I V E S E R V I C E S / C L A I M S
The competence and superior nature of MARC’s Claims Department comes from
our experienced and thoroughly-trained staff. Staff members bring many years’
expertise in a broad cross-section of the insurance and reinsurance industries.
The staff’s ability to draw on this experience in adjudicating claims enhances the
department’s ability to adapt to unusual situations, unexpected fact patterns and
respond to our clients’ needs. We have always encouraged our clients to avail
themselves of our partnership relationship, and with the wide variety of experience
now available in the Claims Department, we fi nd ourselves providing improved
and more sophisticated assistance.
Lucille Chatham
Assistant Secretary
lchatham@marclife.com
(770) 350-3269
Vivian J. Jenkins
Assistant Coordinator,
Disability Claims
vjenkins@marclife.com
(770) 350-3298
Harriett B. Frizie
Coordinator, Disability Claims
hfrizie@marclife.com
(770) 350-3262
Kathie P. Mautner
Assistant Vice President /
Claims Counsel
kmautner@marclife.com
(770) 350-3207
Pyper G. Green
Assistant Coordinator
pgreen@marclife.com
(678) 320-3474
Karen M. Riendeau
Coordinator, Life Claims
kriendeau@marclife.com
(770) 350-3254

C O R P O R A T E A C T U A R I A L
The Corporate Actuarial Department’s major functions include reserve reporting as
well as embedded value calculations. Additionally, MARC depends on the Corporate
Actuarial area for assistance in fi nancial projections, including capital planning
projections. Our actuaries and technical staff work within the complex regulatory
environments to assist our sales support teams, and ultimately our clients, with the
creation and delivery of high quality products.
Brent Arnold
Associate Actuary
barnold@marclife.com
(678) 320-3452
Emily Roman
Assistant Vice President /
Actuary
eroman@marclife.com
(678) 320-3433
Stephen Banks
Assistant Actuary
sbanks@marclife.com
(678) 320-3464
Scott E. Wright
Vice President / Actuary
swright@marclife.com
(770) 350-3212
Deborah A. Coyne
Assistant Secretary
dcoyne@marclife.com
(770) 350-3282
Paul J. Buckley
Second Vice President
pbuckley@marclife.com
(312) 327-3777
(678) 320-3463
Michael A. Pawlak
Senior Network Engineer
mpawlak@marclife.com
(312) 327-3741
C O R P O R A T E I N F O R M A T I O N S E R V I C E S
In today’s information driven world, MARC is an industry leader in accommodating
our clients’ technology needs. MARC provides a variety of innovative services and
solutions. We compliment our services with technical experts that are well versed
in the latest technologies and security practices.
From real-time online facultative submissions to internet based bulk data transfers,
MARC has a variety of secure information solutions that are simple to plug into
your organization.
MARC’s IT professionals are ready to assist you.
Daniel L. (Dan) Gandy
Assistant Secretary
dgandy@marclife.com
(770) 350-3264
Chris Ruscille
Business Analyst Consultant
cruscille@marclife.com
(312) 327-3738
Tina Han
Data Analyst
than@marclife.com
(678) 320-3424
Larry M. Tagli
Assistant Secretary /
CIS Director
ltagli@marclife.com
(678) 514-5604
Edward M. Kurnat
Network Engineer
ekurnat@marclife.com
(312) 327-3742

O U R A T L A N T A O F F I C E O U R C H I C A G O O F F I C E
AT L A N TA
56 Perimeter Center East, N.E.
Atlanta, Georgia 30346-2290
Mailing Address:
P.O. Box 3210
Atlanta, Georgia 30302-3210
Office Hours:
8:00 a.m. to 4:15 p.m. EST
Telephone: (770) 350-3200
Fax: (770) 350-3300
C H I C A G O
2 North LaSalle
Suite 1000
Chicago, Illinois 60602-3851
Office Hours:
8:00 a.m. to 4:15 p.m. CST
Telephone: (312) 863-8400
Fax: (312) 863-8408

AT L A N TA
56 Perimeter Center East, N.E.
Atlanta, Georgia 30346-2290
Mailing Address:
P.O. Box 3210
Atlanta, Georgia 30302-3210
Office Hours:
8:00 a.m. to 4:15 p.m. EST
Telephone: (770) 350-3200
Fax: (770) 350-3300
C H I C A G O
2 North LaSalle
Suite 1000
Chicago, Illinois 60602-3851
Office Hours:
8:00 a.m. to 4:15 p.m. CST
Telephone: (312) 863-8400
Fax: (312) 863-8408
www.marclife.com