Karen Elsom, a Fellow of the Society of Actuaries with over 25 years of experience, has a unique background since she has extensive exposure to both the life and health insurance arenas. This dual experience is invaluable to clients that need expertise in both the fields. Since 1998 Karen has been working as a consulting actuary for Lewis and Ellis. Her main focus while at L&E has been providing actuarial expertise for insurance company financial examinations performed by state insurance departments. Prior to joining L&E, Karen worked for Business Men’s Assurance pricing and managing the individual disability income and major medical lines of business. Karen keeps both her life and health expertise up to date by regularly attending seminars sponsored by the Society of Actuaries and the American Academy of Actuaries. In her “spare time” Karen volunteers at her children’s school.