Douglas (Doug) Ingle, FALU, FLMI, is Vice President of Underwriting Research at Hannover Re. He has over 43 years of underwriting experience split between direct writers and reinsurers. In addition to his FALU and FLMI, he completed Beginning and Advanced “Life Table Methodology,” co-founded a computer program used for Preferred Risk underwriting and pricing, created a course to teach underwriters how to read resting EKGs; and authored three chapters of the ALU curriculum, covering: “EKG interpretation,” “Preferred Underwriting,” and “Cost Benefit Studies.” Doug has been published extensively in On the Risk, Journal of Insurance Medicine, Contingencies, and Best Review. He is past chair of the MMLC (Morbidity Mortality Liaison Committee) and UESC (Underwriting Experience Studies Committee).