S. M. Snow & Associates, Inc. was established in 1989 and began operations as a full-service actuarial consulting firm assisting HMOs, Blue Cross Blue Shield plans, and commercial insurance companies. In 1995, we discontinued our actuarial consulting services to devote all of our resources to providing the highest quality group health insurance seminars and in-house training programs available in the industry. Since then, we've trained underwriters, actuaries, sales professionals, and senior executives from over five hundred HMOs, practically every Blue Cross Blue Shield Plan in the country, and a great many Commercial Insurance Companies. We have also trained several thousand employee benefits professionals (brokers, agents, consultants, and large employer groups). To date, over ten thousand people have benefited by attending our seminars and in-house training programs.