Dick is known as one of the life insurance industry's leaders for his work in insurance company and product Due Care. For 25 years a successful life insurance salesman and 20-year life member of the MDRT, he joined Merrill Lynch Insurance Group, and from late-1993 to the end of 1995 was Vice President and Manager of Client Education and Field Development. For his two year "tour" in upper management with a life insurance carrier, his responsibilities included developing communication programs which enhance client understanding of insurance products and reconciling product performance against product expectations.

Since then, Dick founded and is President of The Ethical Edge, Inc., providing training and consulting services that help empower both agents and their clients to explore and view life insurance in the broader context of financial planning.

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He earned a Bachelor's degree in Mathematics at the University of Wyoming in 1975.

Chris brings a unique blend of actuarial and management skills, having worked for insurance companies most of his career.

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