Tom Bakos Consulting, Inc.


BIOGRAPHY With over 40 years of significant general management and technical actuarial experience in various roles within the life insurance industry in the United States, Tom Bakos formed his own actuarial consulting practice in 2000. His primary area of practice is life insurance. He specializes in the development of intellectual property and innovation in the insurance industry. Tom's prior experience has included Chief Actuary for BISYS Insurance Services, a full service outsourcer for the support and marketing services required in the sale of life, annuity, group health care, and long term care insurance products. For ten years, from 1989 - 1999 Tom was Vice President and Life Actuary for Guardian Life Insurance Company of America where he was responsible for all actuarial functions related to the individual life line of business. In the 20 years prior to joining Guardian, Tom filled similar actuarial roles in both large and small, stock and mutual life insurance companies including: Integrated Resources Life Insurance Company in New Jersey; Security Mutual Life Insurance Company in Binghamton, NY; Lincoln American Life Insurance Company in Memphis, TN; and CNA Life Insurance in Chicago, IL. In his consulting practice Tom has focused on the protection of intellectual property in the insurance and broader financial services areas through the use of patents. Tom is co-editor of the Insurance IP Bulletin, a semi-monthly internet publication addressing areas of interest regarding intellectual property in the insurance industry. Tom also provides expert testimoney and support in legal matters involving insurance and risk. PROFESSIONAL ACTIVITIES Tom has been a Fellow of the Society of Actuaries (FSA) and a Member of the American Academy of Actuaries (MAAA) since 1972. Tom was elected by the members of the Society of Actuaries (SoA) to a three year term on the Board of Governors and served from October, 2002 through October, 2005. In 2007 he was elected a Vice President of the SoA and served again on the SoA Board for a term of two years, 2008 - 2010. The SoA is an education and research organization with over 21,000 members in over 30 countries. Tom is also a member of the American Academy of Actuaries (AAA) Council on Professionalism and serves as Chairman of the AAA Committee on Professional Responsibility . Tom has participated on numerous occasions as a presenter, panelist, or workshop chairman at meetings of the SoA. Tom has provided training courses to USPTO examiners in Technology Center 3600. OTHER ACTIVITIES In the past, Tom has also served on the client advisory boards of two reinsurance companies - Cologne Re (1995 - 1997) and Lincoln Re (recently acquired by Swiss Re) (1998 - 2001). Tom is a regular contributor to Contingencies Magazine, a professional publication of the AAA. He has also had articles published in The National Underwriter, Probe, and other publications. [See the Publications tab.] Tom is a regular contributor to Contingencies Magazine, a professional publication of the AAA. He has also had articles published in The National Underwriter, Probe, and other publications. [See the Publications tab.]

BIOGRAPHY

With over 40 years of significant general management and technical actuarial experience in various roles within the life insurance industry in the United States, Tom Bakos formed his own actuarial consulting practice in 2000. His primary area of practice is life insurance. He specializes in the development of intellectual property and innovation in the insurance industry.

Tom's prior experience has included Chief Actuary for BISYS Insurance Services, a full service outsourcer for the support and marketing services required in the sale of life, annuity, group health care, and long term care insurance products.

For ten years, from 1989 - 1999 Tom was Vice President and Life Actuary for Guardian Life Insurance Company of America where he was responsible for all actuarial functions related to the individual life line of business.

In the 20 years prior to joining Guardian, Tom filled similar actuarial roles in both large and small, stock and mutual life insurance companies including: Integrated Resources Life Insurance Company in New Jersey; Security Mutual Life Insurance Company in Binghamton, NY; Lincoln American Life Insurance Company in Memphis, TN; and CNA Life Insurance in Chicago, IL.

In his consulting practice Tom has focused on the protection of intellectual property in the insurance and broader financial services areas through the use of patents. Tom is co-editor of the Insurance IP Bulletin, a semi-monthly internet publication addressing areas of interest regarding intellectual property in the insurance industry. Tom also provides expert testimoney and support in legal matters involving insurance and risk.

PROFESSIONAL ACTIVITIES
Tom has been a Fellow of the Society of Actuaries (FSA) and a Member of the American Academy of Actuaries (MAAA) since 1972.
Tom was elected by the members of the Society of Actuaries (SoA) to a three year term on the Board of Governors and served from October, 2002 through October, 2005. In 2007 he was elected a Vice President of the SoA and served again on the SoA Board for a term of two years, 2008 - 2010. The SoA is an education and research organization with over 21,000 members in over 30 countries. Tom is also a member of the American Academy of Actuaries (AAA) Council on Professionalism and serves as Chairman of the AAA Committee on Professional Responsibility .
Tom has participated on numerous occasions as a presenter, panelist, or workshop chairman at meetings of the SoA.

Tom has provided training courses to USPTO examiners in Technology Center 3600.
OTHER ACTIVITIES
In the past, Tom has also served on the client advisory boards of two reinsurance companies - Cologne Re (1995 - 1997) and Lincoln Re (recently acquired by Swiss Re) (1998 - 2001). Tom is a regular contributor to Contingencies Magazine, a professional publication of the AAA. He has also had articles published in The National Underwriter, Probe, and other publications. [See the Publications tab.]

Tom is a regular contributor to Contingencies Magazine, a professional publication of the AAA. He has also had articles published in The National Underwriter, Probe, and other publications. [See the Publications tab.]