John Krinik

John Krinik was an underwriter for three insurers between 1970 and 1989. His many contributions to the underwriting profession include serving as Chair of the former Joint Risk Classification Committee of IHOU and HOLUA, several Executive Council positions with HOLUA, President of AHOU in 2002 (its inaugural year), and 28 years with OTR as a contributing author and member of its management team. In 2011, John was the recipient of the Outstanding Achievement Award given by the former Life Underwriting Board.


Tom McCarthy

After graduating with a major in biology from Marquette University in Milwaukee, Tom began his underwriting career in 1975 in direct underwriting with Time Insurance and then Old Line Life. After getting his FLMI in 1981, Tom shifted to reinsurance underwriting joining BMA (Business Men's Assurance) in Kansas City where he worked for almost 20 years. In 2000, Tom joined Swiss Re and is a Senior Underwriting Manager in the Fort Wayne office, and he is involved in many of Swiss Re's underwriting technology initiatives.

Tom acquired his CLU in 1985 and his FALU in 1993 with a Project Paper on Obstructive Sleep Apnea. The paper led to Tom's entry into the Education Committee of the ALU. Tom was always active locally in underwriting profession with stints on the WHOUA in Milwaukee, the MUD in NYC and the Presidency of Kansas City's Risk Selectors Club but his nine years on the ALU was the big step in a wider industry involvement.

With the birth of the Internet as a fledgling communication and research medium in the 90's, Tom studied early HTML programming and created a site called the Internet Resource for Underwriters containing hundreds of useful references to sites that underwriters might appreciate. It was the IRU site that eventually led to an invitation to create On the Risk's first website with Tom as its first webmaster and editor. The success of the OTR site led to creation of similar sites for the Institute (IHOUA) and the HOLOUA. Tom also worked closely with an early entity called the Continental Underwriting Congress to help create websites for many local and regional underwriting organizations around the country.

Tom joined the HOLUA program committee in the late 90's and eventually served as Program Chair for the 2000 conference. Later Tom joined the AHOU Executive Committee as Secretary and eventually rose to the Presidency of the AHOU in 2009-2010. Tom stayed involved with the AHOU and ALU as a member of the Life Underwriting Board (LUB) and currently is a member of two SOA committees on surveys and the new Underwriting Issues & Innovation seminar held in Chicago every August.

The technology aspects of much of Tom's involvement have always been a big motivator but ultimately it has always been the people interaction that has always made both reinsurance and industry involvement so rewarding. Meeting and working with so many different people in so many roles has always been the driver. Tom has been fortunate to work with fantastic mentors and peers like Bill Moore, Joni Germani, Nancy Caron and Mike Clark at Swiss Re. Tom is also married to a wonderful woman named Laura and has two happily married daughters and five grandchildren in Oregon and Minneapolis.


Deb Schmidt

Deb started her career in underwriting and underwriting management at the Hartford Life, Phoenix Mutual and Connecticut Mutual Life Insurance companies. She also has been a consultant on underwriting strategy and risk selection management to the US and international life insurance industry with her own company and with Milliman, Inc. Currently she is Head of Mortality Risk Management at Voya Financial®, responsible for review of underwriting standards and mortality assumptions, underwriting audits, and claims studies for the individual Life and Employee Benefits divisions. She also participates in mortality reinsurance and retention projects and audits.

She has served on the ALU Education Committee as a question writer and as Treasurer, was Program Chair and President of the Hartford-Springfield Underwriting Association. For the AHOU Deb has served on the Program Committee, as Vice President, Education, and as President for 2012-2013.

Deb has spoken on risk selection topics and training to producer groups, the Society of Actuaries, individual underwriting departments, the Southeastern Underwriting Association, the MUD Group, and AHOU. She has written on risk selection for On the Risk, Best’s Review, the ALU Exam 202 textbook, and LOMA/LIMRA publications, and is a member of the ACLI Risk Classification committee.

Deb has a BA in English and History and an MA in American Studies. She is a Fellow of the Academy of Life Underwriting.


David Wheeler

David P. Wheeler, FALU, FLMI is Executive Vice President and Head of U.S. Mortality Markets for RGA Reinsurance Company. Named to this position in January 2015, he is responsible for all mortality operations within the United States, including business development, pricing, underwriting, administration, claims and operations.

Dave first joined General American in 1980 and moved in 1983 to its reinsurance division (which later became RGA). A veteran of the life insurance industry, Dave has held nearly every U.S. underwriting role at RGA, culminating in his previous role of Senior Vice President and Global Head of Underwriting, with global leadership responsibility for RGA’s global underwriting, risk management and facultative mortality results. His expertise and passion for innovation in both products and services has helped RGA’s brand recognition as a leader in bringing new ideas to the market. Dave has developed strong, trusting relationships with clients and competitors, and is a relentless promoter of the underwriting profession.

Dave is a graduate of the University of Missouri - Columbia. He is a Fellow of the Academy of Life Underwriting (FALU) and a Fellow of the Life Management Institute (FLMI). He has served on the Longer Life Foundation’s Advisory Board and on the ACLI’s Risk Classification Committee since 2008, and has been a member of the MIB Board of Directors since 2010. Dave is also a past Treasurer of the Association of Home Office Underwriters (AHOU), and a past member of the Academy of Life Underwriting’s Education Committee, first as an exam writer and then as secretary.