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CIU ANNUAL EDUCATION SEMINAR
JANUARY 16 & 17, 2017
St. Andrew’s Club & Conference Centre
150 King Street West
27th Floor
Toronto, Ontario M5H 1J9
(416) 366-4228
SEMINAR AGENDA
CIU ANNUAL EDUCATION SEMINAR
DAY 1 – Monday, January 16th
, 2017
8:00 – 9:00 AM Registration & Networking Breakfast Lounge
9:00 – 9:15 AM Welcome, Introductions & Opening Remarks: St. Andrew’s Hall Rima Hamdar, CIU Program Director Chantal Gray, CIU Chair 2017
9:15 – 10:15 AM Keynote Speaker: Joanne Bradley, Hannover Re Creating Your Own Path: Building a Career as an Underwriter
In her presentation, Joanne highlights how she has translated the skills acquired in risk management into a broad career that has
spanned a wide spectrum of functional areas and market segments.
10:15 – 10:45 AM Networking Break Lounge
10:45 – 11:30 AM Olivier Courteaux, Optimum Re St. Andrew’s Hall How to Best Work with Medical Directors: One More Challenge for the 21
st Century Underwriters
As many of us now have the opportunity to work from home, our interactions with the Medical Director have evolved. How can we best work with them, maximizing our own efficiency in tapping into their expertise … and all while, avoiding delays?
11:30 AM – 1:30 PM ~ Lunch On Your Own ~
Join your colleagues & our Sponsors to Explore the PATH
1:30 – 2:30 PM Dr. Loraine Oman-Ganes, Sun Life Financial St. Andrew’s Hall Hereditary Cancer Syndromes
Using case examples to illustrate the challenges when a family history of cancer is present, this session provides practical
underwriting tips and insights into interpreting genetic testing results, including those negatives and variants of unknown
significance. Focusing on hereditary breast (BRCA 1/2) and ovarian cancers, as well as Lynch syndrome, with respect to Life and
Living Benefit products, Dr. Oman-Ganes further explores the relevance of family history, clinical clues, and situations where the
diagnosis is uncertain and genetic testing results are not available.
2:30 – 3:00 PM Networking Break Lounge
3:00 – 4:00 PM Marylou Dunn & Kerin Moreton, Munich Re St. Andrew’s Hall Strange Bedfellows: Hot Topics … Meet Cold Reality
What do transgendered, juvenile and non-face-to face applicants have in common? Join us for a joint underwriting and claims
presentation on how today’s underwriting hot topics will translate into tomorrow’s claims challenges.
4:00 – 4:15 PM Draws, Housekeeping Announcements & Adjournment, Day 1 St. Andrew’s Hall
4:15 – 5:30 PM “Cocktail Reception”
Please join your industry colleagues & our Sponsors for a
Networking Reception in the Lounge
FREE EVENING ~ 5:30 pm onwards
Day 2 Sessions begin at 8:00 AM, Tuesday, January 17th
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CIU ANNUAL EDUCATION SEMINAR DAY 2 – Tuesday, January 17
th, 2017
8:00 – 9:00 AM Registration & Networking Breakfast Lounge
9:00 – 9:15 AM Welcome Remarks & Introductions St. Andrew’s Hall Rima Hamdar, CIU Program Director
9:15 – 10:00 AM Colin Kearney, SCOR Global Life St. Andrew’s Hall ’ Let’s (Not) Go There’
Colin will focus his presentation on the risks of foreign travel, taking a pragmatic approach as to how we see these very subjective risks. He will also discuss the challenges and risks of underwriting recent residents to Canada.
10:00 – 10:30 AM Networking Break Lounge
10:30 – 11:15 AM Lori Boyce, Manulife St. Andrew’s Hall Living Benefits Underwriters … Be Brave!
Living Benefits underwriters, like advisors who sell our products, must be brave, engaged and informed. We need to understand the
sources of our claims, so we can understand the risks which must be mitigated.
11:15 – 12 Noon Dr. Monica Wilson, Swiss Re St. Andrew’s Hall Applicants with Big Hearts: Are They Preferred?
Underwriters frequently see applicants who have LVH suggested to be secondary to athletic activity. In this session, Dr. Wilson will review how we can differentiate between a true athletic heart … and left ventricular hypertrophy secondary to pathologic causes.
12 Noon – 1:15 PM Networking Luncheon at St. Andrew’s S 2
1:15 – 2:15 PM Betsy Sears, ExamOne St. Andrew’s Hall “Young Kids, Old Bodies”
We are all aware of the growing obesity epidemic in North America, but an increasing number of studies have focused on the long-
term impacts of childhood obesity. Research indicates that the mortality and health implications of youth obesity may be more
significant than the symptoms associated in adulthood. This session presents data from multiple studies, to highlight the premature
sickening of a typically healthy demographic, and addresses the potential implications facing insurers as this group enters the buying
population.
2:15 – 2:45 PM Networking Break Lounge
2:45 – 3:30 PM Dr. James Kim, RGA St. Andrew’s Hall Chronic Pain 101: Societal Impact and Treatment Overview
Dr. Kim’s presentation focuses on the burden of chronic pain, relating it to societal and economic impacts. Basic concepts around
pain and treatments, as well as underlying definitions will also be explored.
3:30 – 3:45 PM Draws, Closing Remarks & Adjournment, Day 2 St. Andrew’s Hall
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Please give us your valuable Feedback by taking a few moments to complete our on-line CIU Evaluation Survey Coming to you via e-mail link post-seminar & assist CIU’s Program Committee in planning for our future Education Seminars
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LORI BOYCE, CHS
Lori is a graduate of Queen’s University, holding degrees in History and Education.
Her professional career began in 1981 at Crown Life as a Disability Underwriter Trainee. In
the past 36 years, Lori has held a variety of executive positions at Aetna, Maritime, and
Manulife, and has always had some degree of responsibility for Living Benefits
underwriting.
Currently she is Director, Underwriting Risk Management, Retail Markets and reports to Karen Cutler, Manulife’s Chief
Underwriter. Lori’s focus is finding creative solutions for DI, CI, Synergy and LTC underwriting challenges and providing
Living Benefits underwriting input into product development, training and support.
JOANNE BRADLEY, MBA, BScEd (Hons)
Joanne Bradley champions the development and execution of key strategic initiatives for Canadian Life Branch of
Hannover Re, as well as the advancement of its profile in the industry through client relations, marketing,
communications and administration.
Joanne joined Hannover Re in May of 2015 as Vice President, Client Liaison. With close to 20 years of industry
experience, Joanne has made significant contributions in the areas of risk management, customer service, leadership
and strategy. She was previously Assistant Vice President of New Business, Customer Experience at Manulife where she
was responsible for revitalizing the new business experience for the end customer.
Joanne holds a Masters of Business Administration from the Schulich School of Business, York University, and a Bachelor
of Science (Honours) and Education from Queen’s University.
OLIVIER COURTEAUX, PhD
Olivier began his underwriting career in 1996 at Aetna Canada. Over the past 20 years, he has
gained expertise in Life, DI, Health and CI underwriting, while working for a variety of insurance
providers, including Maritime Life, Canada Life and Manulife. In 2008, he joined Canada Protection
Plan, and for the following 7 years, he helped develop simplified issue life products, while
managing CPP’s underwriting department. In 2015, he accepted an opportunity in reinsurance. He
is currently AVP, Risk Selection at Optimum Reassurance Inc. in Montréal.
Olivier holds a Doctorate in the field of 20th century international relations from the Sorbonne in Paris. Since 2002, while
expanding his underwriting career, he has taught at various universities in Ontario, including Ryerson University and the
Royal Military College in Kingston. He continues to teach and lecture on a regular basis.
Olivier is currently President of the AQT-V for the 2016-2017 term.
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MARYLOU DUNN, FALU, FLMI, ALHC
Marylou Dunn is Vice President and Chief Underwriter at Munich Re. She is responsible for
Canadian and Caribbean client and underwriting risk management, which includes policies and
procedures, audits, and the ongoing development of Munich Re’s underwriting manual, EDGE.
She has more than 25 years of underwriting experience, with a special focus on large risks,
underwriting training, and product development.
Marylou has been a guest speaker at the Canadian Institute of Underwriters, The Institute of
Caribbean Home Office Underwriters, the CRC and the World CI Conference.
She is past Treasurer of the CIU and past Secretary of MTUC, now the Underwriting Association of Toronto.
COLIN KEARNEY, MBA
Colin is responsible for the direct supervision, management and motivation of the underwriting staffs
in the Canadian market in order to provide accurate and timely appraisal of all facultative reinsurance
cases, as well as implementation of country-specific underwriting practices. Colin also works directly
with clients throughout the deal process to foster strong relationships, develop innovative solutions
that meet clients' needs and achieve results within risk management objectives. He directs the
development and revision of SGLA’s Canada risk selection guidelines and other underwriting
programs and processes, including the development, implementation and documentation of
consistent underwriting practices, controls and procedures aligning with those of the SGLA
Underwriting Division.
Prior to joining SGLA in November 2014, Colin’s roles included Support and Development Manager with SCOR, Paris and
Chief Underwriter, Europe of Transamerica Reinsurance. Colin has more than 25 years of experience working in the
Reinsurance and Insurance Industries, which includes exposure to International markets and numerous presentations at
various Underwriting events and Seminars. He is a founding member of the French Underwriters Association and holds
an MBA from the Open University Business School in Milton Keynes, along with numerous Insurance certificates,
including a Diploma in Underwriting from the Chartered Institute of Insurance.
JAMES KIM, MD, MBA
Dr. Kim has been a physician for 26 years, with 18 years in private general practice. He is
currently the medical director of the CPM Centres for Pain Management in Brampton with a
focussed, referral-based practice in the treatment of chronic, non-cancer pain that approaches
pain management in a multi-disciplinary setting.
Dr. Kim is a medical consultant to RGA Reinsurance for life insurance underwriting. He is
credentialed with the American and Canadian Academies of Pain Management and the
Acupuncture Foundation of Canada Institute and received his MBA from the Rotman School of
Management. He has been a consultant to WSIB for disability case management and also sits on
two regional ethics boards for clinical trial reviews – the Humber River Regional Hospital Regional
Ethics Board and the Schulman Institutional Review Board.
Dr. Kim is passionate about medical education and he develops educational programs and lectures frequently to
physicians about pain management.
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KERIN MORETON, ALHC, FLMI, ACS, AIAA
Kerin Moreton is the AVP Claims Services, responsible for all Canadian non-Quebec Life, Group, DI,
CI, AD & D and Travel claims at Munich Re. Kerin has been with Munich Re for 18 years in
progressive roles.
As AVP, Kerin leads a seasoned team of Claim Account Managers in resolving complex and large
claims, best practices development and training, claim audits, publications and seminars and is also
responsible for local and global claim projects for Munich Re, Canada (Life). She is a regular speaker
at industry conferences, including CIA, LOMA, CRC, CLHIA and CLBS, is a current executive member
of the LOMA Claim Section and is past Chair of the CLHIA Claims Section Conference.
LORAINE OMAN-GANES, MD, FRCPC, CCMG, FACMG
Loraine Oman-Ganes is Chief Medical Director at Sun Life Financial (Corporate Risk Management)
based in Toronto. Her previous role was Chief Medical Director for RBC Insurance. She is a board-
certified clinical geneticist and pediatrician, who completed her B.Sc. (Biology), M.D. and pediatric
residency at the University of Saskatchewan, and her fellowship in Clinical Genetics at the
University of Michigan. She has worked as a Clinical Assistant Professor at New York Medical
College in Westchester County Medical Center, NY, a staff clinical geneticist at North York General
Hospital in Toronto, and her own community-based clinical genetics practice in Toronto. She
developed the initial preventative genetics program “Medcan Genetics” at the Medcan Clinic in
Toronto, and has provided the full range of genetic testing, from classical genetics to genomics,
including pharmacogenetics testing.
Her insurance industry activities include: past president and past scientific chair- CLIMOA (Canadian Life Insurance
Medical Officers’ Association), past member - CLHIA (Canadian Life and Health Insurance Association) Committee on
Underwriting Issues and subcommittee on Critical Illness Definitions, and chair - AAIM (American Academy of Insurance
Medicine) Professional and Public Relations Committee.
Her goal is to enhance communication and knowledge sharing between the genetics community and the insurance
industry. Dr. Oman-Ganes is passionate in her commitment to mentorship, education, and the belief that genetics can
be used as a tool to enhance literacy and health.
BETSY SEARS, MSM, MT (ASCP)
As Executive Vice President, Laboratory Strategy and Sales, at ExamOne, Betsy has almost 30
years of experience in the insurance laboratory environment. She works closely with ExamOne’s
laboratory operations, research and development, and medical and sales staff, on client end-to-
end strategic solutions, and also supports insurance customers through a variety of
presentations on laboratory, medical and risk assessment topics.
Prior to joining ExamOne, Betsy served as Vice President and Laboratory Director of Osborn
Laboratories for 14 years. She also has more than 11 years of experience in clinical and hospital
laboratory settings in New York City and Chicago, specializing in microbiology.
Betsy earned her Bachelor of Science degree in Medical Technology from the University of
Missouri – Kansas City and her Master’s degree in Business Management from Baker University. 6
MONICA WILSON, MD
Dr. Monica Wilson is the Senior Vice President and Chief Medical Officer for Swiss Re Life
and Health Products. She is the current treasurer and was past President of CLIMOA
(Canadian Life Insurance Medical Officers Association).
Dr. Wilson's background is Intensive Care medicine. She joined Swiss Brokers of Mexico in
2002, as a part time medical consultant. In 2004, Dr. Wilson retired from clinical medicine to
join Swiss Re in the Zurich hub where she worked as a Medical Officer, providing
underwriting consultation and education for Swiss Re Underwriters and their clients,
spanning across Continental Europe, the Middle East and Asia.
In July 2006, Dr. Wilson returned Canada, her home country, to join Swiss Re Life and Health where she provides
underwriting consultation, support and education for Swiss Re Underwriters in the USA and Canada as well as for Swiss
Re’s Canadian, American and Caribbean clients.
CIU Education Seminar Programs
presented by the
CIU Program Committee
2017
Director: Rima Hamdar, Senior Underwriting Consultant, Sun Life Financial [email protected]
Assistant Director: Vania Guilherme, Underwriting Manager, Retail Markets, Manulife [email protected]
Committee Members: Dennis Banda, Underwriting Risk Relationship Manager, Life & Health, RBC Insurance [email protected]
Bill Berthiaume, Manager, Underwriting, LOGiQ3 Corp [email protected]
Pamela Collins, Senior Underwriting Consultant, Individual Underwriting & Issue, Sun Life [email protected]
Olivier Courteaux, AVP, Risk Selection, Optimum Reassurance Inc., President, AQT-V 2016-17 [email protected]
David Mayer, Senior Underwriting Consultant, Individual Life Underwriting, Equitable Life [email protected]
CIU’s Program Committee extends sincere thanks to Philippe Ausssel for his significant contribution to our
2017 Annual Education Seminar program in his role as back-up speaker.
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CANADIAN INSTITUTE OF UNDERWRITERSANNUAL EDUCATION SEMINAR - JANUARY 16 & 17, 2017
With sincere thanks to our Supporting Sponsors
...and the “FRIENDS OF CIU”: Desjardins Insurance ~ MediFAST ~ MIB, INC ~ RBC Insurance
