Insurance Sales

Ziad T. Shuman

ablld8@r.postjobfree.com

**** *. ***** ***. **

Chicago, IL 60618 Cell: 415-***-****

PROFILE

Creative, results-oriented market development executive with over 25 years

of domestic and international experience in the insurance and reinsurance

industry. Hands-on experience in a wide range of products with expertise

in the following areas: strategic planning, sales & marketing, alternative

financing solutions, product design, contract negotiations, P&L, policies

and procedures, underwriting, systems, and administration. Dedicated to

building and motivating teams that exceed performance goals and corporate

expectations.

EXPERIENCE

Management Consultant 2005 - Present

Providing consulting services to clients in the US and abroad in all areas

of A&H product design and enhancement, underwriting, strategic planning,

business development, market evaluation, special risk product design,

administration, and placement of reinsurance.

Clients include:

. ATMSafe, a global leader in the niche market of ATM insurance protection.

. Global Exchange, a technology-based provider of employee benefits and

healthcare administrative services to international clients.

. Alian anet Assist ncia e Consultoria Ltda, a healthcare provider in

Brazil.

AIG / Accident & Health Division, San Francisco, California 2003 - 2005

Leading international insurance organization with operations in more than

130 countries, providing commercial, institutional and individual customers

with the most extensive worldwide property-casualty and life insurance

networks of any insurer.

VP Underwriting, Western Zone

Responsible for establishing, measuring, and achieving the fiscal goals of

the Western Zone, which comprises 32 underwriters in four regions, with net

premiums of more than $200 million. Insurance products underwritten

include Specialty, Corporate and Occupational Accident.

. Created and implemented the region's strategic underwriting plans

. Directed the development, implementation and monitoring of underwriting

guidelines, ratings and procedures

. Developed forecasts and monitored profitability

. Analyzed, created and monitored the Zone's expense budget

. Transformed 32 underwriters in four regions into a cohesive team at AIG

. Achieved combined expense and loss ratio of less than 85%, far better

than the budget of 95%

. Exceeded growth goals for 2004 and 2005 with an average annual increase

in NPW of 23%

International Reinsurance Alliance LLC, Miami, Florida 1994 - 2003

Reinsurance broker and intermediary for group products, with a focus on

Brazil. Products developed include Excess of Loss (Stop Loss), Critical

Illness, Loss of Income Due to Accidents and Student Health Plans.

President & Partner

Promoted to President from Director of Operations. Spearheaded the

development of several new insurance products such as Excess of Loss (Stop

Loss), Critical Illness, Loss of Income Due to Accidents, and Student

Health Plans.

. Successfully introduced alternative low-cost health plans to the country

of Brazil

. Analyzed highly complex insurance risks to determine acceptability, which

included examining policy language, various commercial and alternative

rating plans and methodologies, and reinsurance

. Reported operational profitability to shareholders

. Installed Life & Health turn-key operations for local insurers

. Calculated and maintained reserves

. Developed budgets and strategic plans and monitored underwriting

profitability

. Interacted with all departments to achieve company goals and objectives

Colonial Medical Insurance Company Ltd, Hamilton, Bermuda 1990 - 1994

Provides a comprehensive range of insurance and financial planning services

in Bermuda, The Cayman Islands, The Bahamas and British Virgin Islands.

Products include lifestyle, business insurance protection, family financial

security plans, and pension services.

Vice President & General Manager

Created a new division from the ground up. Focused on division's

aggressive growth while maintaining profitable underwriting and operating

results.

. Successfully captured 25% of market share and expanded into other

Caribbean territories over a

4-year time frame in a market with high barriers to entry

. Responsible for budget and P&L reporting

. Responsible for product design, development, and pricing

. Managed underwriting functions

. Developed policies and procedures

. Responsible for reinsurance placement

. Led marketing and sales initiatives

. Recruited and trained staff

. Calculated and maintained reserves

AFLAC / American SelfCare, Columbus, Georgia 1988 - 1990

Global insurance firm with assets totaling more than $65B and annual

revenues of more than $15.4B

Executive Director Marketing & Sales, Director of Group Life Underwriting

Responsible for product development, broker sales, reinsurance and

underwriting functions.

AIG / Group Management Division, New York, NY 1981 - 1988

Leading international insurance organization with operations in more than

130 countries, providing commercial, institutional and individual customers

with the most extensive worldwide property-casualty and life insurance

networks of any insurer.

Regional Group Underwriting & Administration Manager

Home Office and Middle East assignments ranged in responsibilities from

installing systems and user training, to marketing, claims, underwriting,

and all facets of administration.

EDUCATION

University of Connecticut, Storrs, CT, 1979

Masters in Business Administration

LANGUAGES

English, Arabic: Fluent

Spanish, Portuguese and French: Basic

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