Mr. Snow has been working in the insurance industry for over thirty two years. Since 1995, he has trained underwriters, actuaries, sales professionals, and senior executives from over five hundred HMOs, practically every Blue Cross Blue Shield plan in the country, and many Commercial Insurance companies. He has also trained several thousand brokers, agents, consultants, and large employer groups. To date, Mr. Snow has trained over ten thousand people. He has also authored a great many training manuals for our seminars, as well as manuals for employers to assist them in reducing their health plan costs.

From 1989-1995, S. M. Snow & Associates provided actuarial consulting services to the managed care industry and employer groups. Consulting services performed for health insurers included product development, product pricing, developing underwriting guidelines, refining experience rating formulas, performing detailed profitability studies, developing claims reserves (IBNR reserves for HMOs), conducting market research, sales training, and performing product management in support of profitability. He also provided consulting services to self funded employer groups to assist them with their cost control efforts and benefit design issues.

From 1976-1989, Mr. Snow worked in the commercial insurer, Blue Cross Blue Shield, and HMO environments. His responsibilities included the analysis of cost and utilization trends, financial projections by product line, rate impact analyses, rate filing preparation, unpaid claim liability development, financial forecasting, refining underwriting guidelines, training the sales force, detailed product monitoring and profitability analyses, the development and implementation of product enhancements, and product feasibility studies. His duties also included pricing, involvement with alternative health care delivery systems, implementing and maintaining a competitor intelligence network, developing comprehensive field sales office profitability and effectiveness studies, market research/analysis, and making presentations to senior management.

"Sensibly Reducing Health Plan Costs": A Comprehensive Manual for Employers Who Wish to Dramatically (And Sensibly) Reduce Their Health Plan Costs. This Manual Is For Employers That Have A Self Funded Plan, a Fully Insured Plan, Or An Experience Rated Plan.

"Superior Underwriting And Pricing Techniques": An In-Depth Training Manual For Underwriting/Rating personnel, Health Actuaries, CFOs, and members of Senior Management

"Experience Rating Boot Camp": An In-Depth Training Manual For Underwriting/Rating personnel, Health Actuaries, CFOs, Sales Professionals, members of Senior Management, Brokers, Consultants, and Employee Benefits Personnel.

"Dramatically Reducing Health Plan Costs": An In-Depth Training Manual For Employers That Have A Self Funded Plan, Brokers, Agents, Consultants, and Sales Professionals.

"Ensuring Small Group Profitability": An In-Depth Training Manual For Underwriting/Rating Personnel, Health Actuaries, CFOs, and members of Senior Management.

"Maximizing Sales Success In The Large Group Market": An In-Depth Training Manual For Brokers, Agents, Consultants, and Sales Personnel.

"Advanced Underwriting and Pricing Techniques": An In-Depth Training Manual For Experienced Underwriting/Rating personnel, Health Actuaries, Product Managers, CFOs, and members of Senior Management

"Measuring & Controlling Risk": An In-depth Training Manual For Underwriting/Rating personnel, Health Actuaries, CFOs, & members of Senior Management.

"Underwriting and Pricing": A Comprehensive Training Manual For Underwriting/Rating personnel, Sales personnel, CFOs, and members of Senior Management.

"Product Management Through Effective Data Analysis": An In-depth Training Manual For Underwriting/Rating personnel, Health Actuaries, Product Managers, CFOs, and members of Senior Management.

"Managing Multiple-Choice Situations": Chapter 15 Of A Society Of Actuaries Textbook Entitled "Group Insurance", ACTEX Publications, 1992.

"The Age of the Actuary": 'Best's Review', March 1987.

Fellow of the Society of Actuaries (F.S.A.), 1982

Member of the American Academy of Actuaries (M.A.A.A.), 1987

Bachelor of Science in Mathematics - Worcester State College, 1976