Howard has made significant contributions as a member of the COSS Development Team since joining the company in January 1995. Over the years, Howard has worked on product implementation for all product categories (VUL, Term, Annuity, SPIA, etc.) offered within COSS' illustration framework. His actuarial expertise, combined with his work involvement in major research and development projects, has made Howard a resident expert. As a result of his accomplishments and total command of all aspects of COSS illustration development and implementation, Howard has been promoted to the position of Actuary & Senior Developer effective March 1st, 2003. Howard will join Larry Zingsheim in that position.
John Lundsten, President, CEO and founder of COSS said, "Since joining COSS in 1995, Howard has made an ever increasing contribution of value, knowledge and expertise to COSS."