Daniel Perkins, a consultant and affiliate expert with Bates Group, has over 30 years of life underwriting experience, at both the direct and reinsurance level. Mr. Perkins has testified over 10 times in civil and arbitration matters, including before the United States District Court, Northern District of Texas, Dallas Division; Superior Court of the State of California, County of Kern— Metropolitan Division; United States District Court of Maryland, Greenbelt Division; Supreme Court For The State Of New York, County Of New York; and The Circuit Court Of Pearl River County, State Of Mississippi. Mr. Perkins’ work as an expert witness has included issues involving material misrepresentation (financial and medical), investor owned-policies, life mortality/expectancy, and reinsurance disputes. Additionally, his background as a practicing attorney allows him to blend together the two disciplines to produce analytical opinions that discuss life underwriting issues in a manner that is easily understood by non-life underwriting professionals but within the legal framework to meet the needs of counsel and other professionals.
Mr. Perkins served as Vice President, Sales for Heritage Labs International from April 2008 to July 2009, where he managed Heritage’s sales team. From May 2006 to April 2008, Mr. Perkins was employed by SCOR Re as Vice President, Risk Management where he was responsible for the Underwriting, Claims, and Treaty Departments, including but not limited to, the supervision and training of underwriters; setting policy, procedures, and criteria as to the review of facultative submissions from client companies; and reviewing underwriting cases on a daily basis. Mr. Perkins additionally reviewed underwriting manuals, age and amount requirements, preferred criteria, etc. from direct companies, as well as underwriting manuals from other reinsurance companies. As head of the Treaty Department, Mr. Perkins was responsible for approving underwriting-related treaty language and the approval of all treaty language, subject to input and advice from the other functional areas of the company involved in the process. His service in the Claims Department included reviewing contestable claims from an underwriting standpoint. Six months prior to leaving SCOR Re, Mr. Perkins was appointed Vice President, Research & Development in an effort to help develop SCOR Re’s new underwriting manual, set policies and guidelines regarding underwriting best practices, and assist with audits and ad hoc projects.
From November 1988 to July 2003, Mr. Perkins was employed by Optimum Re first as a Senior Underwriter, then later as Assistant Vice President, Underwriting. From 1998 to 2003, he was Director, Underwriting Research and worked to revise sections of the company’s underwriting manual. Prior to joining Optimum Re, Mr. Perkins was employed as a life underwriter at direct companies including Southwestern Life, Southland Life, and National Fidelity Life.
Since September 2009, Mr. Perkins has been engaged in the practice of law as a member of the State Bar of Texas in good standing. His legal practice encompasses both civil litigation and criminal defense. Additionally, Mr. Perkins offers life insurance consulting services regarding all aspect of underwriting, including as an underwriter auditor where he reviews the work of life underwriters to determine if the underwriting process was completed within acceptable parameters as to the review of the medical and financial information with adherence to the company’s underwriting manual, age and amount requirements, preferred guidelines, etc.
During his professional insurance career, Mr. Perkins obtained the designations of Fellow, Academy of Life Underwriting; Fellow, Life Management Institute; and the Charter Life Underwriter. Furthermore, Mr. Perkins has been a Contributing Editor for On The Risk and has been a member of the following Life Underwriting Professional Committees: Education Committee of the ALU, Underwriting Experience Studies Committee, and Mortality and Morbidity Liaison Committee. He has authored over 30 articles on a broad range of topics involving life insurance underwriting. These articles have appeared in On The Risk, the ALU exam series, the Society of Actuaries Study Notes, Connecticut Insurance Law Journal.
Mr. Perkins has a Juris Doctor from Texas Wesleyan University School of Law (now known as Texas A&M University School of Law), an MBA in Finance from the University of Texas at Dallas, an MA in International Management Studies from the University of Texas at Dallas, and a BBA in Management from Texas A&M University.
Law Office of J. Daniel Perkins, PLLC, 2003-2006, 2009-Present
Licensed to practice law in the State of Texas since 2003
Heritage Labs, Vice President, Sales, 2008-2009
SCOR Global Life U.S. Re Insurance Company,
Vice President, Research & Development, 2007-2008
Vice President, Risk Management, 2006-2007
Johnston & Associates, Ft. Worth, TX, Associate Attorney with insurance defense firm, 2003-2003
Thompson, Coe, Cousins, & Irons, Dallas, TX, Legal Extern, Summer 2001
Optimum Re Insurance Company,
Director, Underwriting Research, 1998-2003
Assistant Vice President, Underwriting, 1994-1998
Senior Reinsurance Underwriter, 1988-1994
Other Life Underwriter Positions
Texas Wesleyan University School of Law (Now known as Texas A&M University School of Law since 2013), Fort Worth, TX, Juris Doctor, December 2002
University of Texas at Dallas, Richardson, TX, Master of Business Administration in Finance and Master of Arts in International Management Studies, December 1990.
Texas A&M University, College Station, TX, Bachelor of Business Administration in Management, December 1983
Fellow, Academy of Life Underwriting; Chartered Life Underwriter; and
Fellow, Life Management Institute.
Academy of Life Underwriting (ALU), 1995-99, 2007-09
On The Risk Contributing Editor, 1992-1999
Underwriting Experience Studies Committee, 1992-1996
Mortality and Morbidity Liaison Committee, 1991-1995
HOLUA Program Committee, 1999-2000
Numerous presentations to insurance professionals throughout North America.
Articles published by various legal journals.
Articles on life underwriting topics published in On The Risk.
Chapters contributed to exam series for ALU.
Contributing author to Society of Actuaries revised study notes for exam on underwriting related topics.
Antitrust, Unfair Discrimination, and Sound Actuarial Principles, The Ins. Policy
(ABA/Section on Antitrust Law/Insurance Committee) Fall 2003, at 4.
Life Insurance Risk Classification: Finding the Boundary Between Antitrust and Unfair
Discrimination, 9 Conn. Ins. L.J. 527 (2003).
Can “Sound Actuarial Principles” be Found in Life Insurance Underwriting?, 38 Tort
Trial & Ins. Prac. L.J. 125 (2002).
Married But Still Innocent: The Innocent Spouse Doctrine and Property Insurance, Coverage (ABA/Section of Litigation/Committee on Insurance Coverage Litigation) Sept.- Oct. 2002, at 28 (Co-Author).
Insurance Trade Publications
The Legal Morass of Reinstatement Underwriting, On The Risk, Jan.-March 2013, at 67.
DWI’s – What About The Other 50%?, On The Risk, Jan.-March 2012, at 38.
Professional Underwriter Equals Expert Witness, On The Risk, April-June 2010 at 26.
INVESTOR-OWNED LIFE INSURANCE: The Perfect Storm of Life Underwriting, On The Risk, April-June 2008 at 14.
Negligence, Underwriting, and Contracts: open letter to Hank George, no. 1, On The
Risk, Jan.-March 2006, at 72.
The Role of the Medical Director in the Risk Assessment Process, 37 J Insurance
Medicine 136 (2005).
A Policy of Murder, Part II: More Case Studies, On The Risk, July-Sept. 2004, at 48.
A Policy of Murder: Life Insurance Wrongful Death Cases, On The Risk, April-June
2004, at 67.
Fen-Phen: Phacts, Phiction, and Phuss, On The Risk, Oct.-Dec. 1999, at 78.
Venous Thrombosis and Cancer: An Underwriting Update, On The Risk, Jan.-Mar.
1999, at 86.
Congenital Bicuspid Aortic Valve, On The Risk, July-Sept. 1997, at 67.
Suspected Hemochromatosis: An Underwriter’s Perspective, INSIGHT, Spring 1996, at 6.
Ulcerative Colitis: Mortality Fact and Fiction, On The Risk, July-Sept. 1996, at 54.
From DNS to AMS, On The Risk, Oct.- Dec. 1995, at 52.
Validating the Risk Classification Process, On The Risk, July-Sept. 1994, at 15.
The New Driving Risk, On The Risk, July-Sept. 1994, at 36.
TB or not TB?, On The Risk, April-June 1994, at 40.
DVT, PE, and Cancer, On The Risk, Oct.-Dec. 1993, at 43.
Underwriting STDs: Part II, On The Risk, April-June 1992, at 52.
Underwriting Sexually Transmitted Diseases, On The Risk, Jan.-Mar. 1992, at 22.
Underwriting The Dysplastic Nevus Syndrome, On The Risk, Oct.-Dec. 1989, at 40.
Insurance Examination Chapters
Product Portfolio: Life Insurance, in Exam I, Academy of Life Underwriting (2001).
Legal Implications Affecting Life Underwriting, in Exam I, Academy of Life Underwriting (2001).
HIV Infection and AIDS, in Exam II, Academy of Life Underwriting ch. 18 (2001).
The Underwriter’s Approach to Medically Impaired Risks, in Study Note, Society of Actuaries Course I-542 (1994) (Co-Author).
Financial Implications of Underwriting Concepts and Theories, in Exam I, Academy of Life Underwriting (1993).
Financial Statements: Through a Maze…With a Map, in Exam II, Academy of Life Underwriting (1993).
Business Valuation and Estate Planning: Putting Things in Order, in Exam III, Academy of Life Underwriting (1993).
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