Hank began his career with Northwestern Mutual in 1970. He has also worked for Manulife in Toronto, Lincoln National Re and ExamOne, leaving as senior vice president in 2002 to start his own education/consulting business. He is an ex-president of the Home Office Life Underwriters Association (HOLUA), founder/chair of the International Underwriting Congress, and founder/first editor of On the Risk. He manages 3 underwriting study groups for insurers, reinsurers and service providers. Hank has written over 550 research papers, articles and books. He also writes Hot Notes, a longstanding monthly e-newsletter with over 5000 readers in 55 countries. He has addressed most industry organizations and underwriting associations in North America, the UK and Australasia, including twice on the Million Dollar Round Table (MDRT) main stage. Hank is the recipient of the Academy of Life Underwriting Outstanding Achievement Award.