The IBU Team

Below are IBU underwriters who have been with the company five years or longer. We assign underwriters to specific accounts so many IBU clients have worked with the same IBU underwriters year after year. This continuity allows IBU clients to establish strong, trusted relationships. Our clients feel as if their assigned IBU underwriters are an intergral part of their home office staff.


Betsy AdachBetsy Adach spent her entire five and half year underwriting career with State Farm Insurance Company in Malta, New York. During that time she gained experience in both life and health products including long term care. Her educational background includes a BS in Marketing and Management and a BA in Political Science from Siena College where she graduated Cum Laude. She also obtained the FLMI designation in 2003.

Charlotte BinkleyCharlotte Binkley, Prior to joining IBU, Charlotte spent 5 years as a Health Underwriter and 14 years as an Underwriting Supervisor for Golden Rule Insurance Company. She later worked as an Underwriting Supervisor for United HealthCare. Charlotte has her BS in Business from Indiana University in Bloomington, IN.

Sarah BramblettSarah Bramblett, FLMI, began her reinsurance underwriting career with General Reassurance in Dallas. She spent the next 24 years at Cigna Re in Dallas until the office closed in 1997. Sarah then underwrote for Optimum Re before joining IBU. Sarah has 28 years of reinsurance underwriting expertise. She has underwritten primarily life products with exposure to Disability Income. IBU clients and proposed insureds enjoy her friendly Texas charm.

Mary Lou BrignanoMary Lou Brignano comes to IBU with over 20 years’ experience in the insurance industry. She spent 11 years underwriting for Travelers Insurance/Metrahealth in Hartford, CT. She also worked for Highmark Life Insurance Company (also in CT). Mary Lou has underwritten Individual Life, Health, and Disability insurance. She has an Associate’s Degree in Business.

Pat BurnsPat Burns brings ten years of underwriting experience to IBU. She began her career at Protected Life in Sharon, PA before moving on to National Guardian Life. Pat has underwritten Individual life and disability insurance as well as death and disability claim underwriting.

Cheryl ClarkCheryl Clark, Prior to joining IBU, Cheryl Clark spent 23 years underwriting life insurance working for Kemper, Transamerica, CNA and American General. During that time she also managed teams of underwriters and has learned to read EKG's. She now resides in the Nashville area.

Grace D'AsticeGrace D'Astice began her underwriting career in 1981 with All American Life in Chicago, IL. In her career, she's had a diverse experience consisting of life underwriting, health underwriting, group medical, and claims adjudication. During her 20 plus year career Grace has underwritten for several companies in the Chicago area including, Zurich Kemper Life, Allstate, Bankers Life, Met Life and Washington National.

Frank DiazFrank Diaz, Bilingual (English/Spanish) Underwriting Consultant began his 11 year insurance underwriting career with Humana in Miami, Florida, underwriting both health and life policies. Upon leaving Humana, Frank underwrote traditional life and life settlements cases remotely for some of the leading companies in the market and also for local brokerages and agencies throughout Florida. Frank is also a licensed life insurance agent in various states.

Doreen DeWildeDoreen DeWilde, began her group health and life underwriting career in 1990 with Employers Health Insurance which eventually became part of Humana. Along with underwriting she is a team leader for several underwriting corporate initiatives some of which included Ingenix, Workflow, and On-line Enrollment. She achieved Senior Underwriter status and has worked for Touchpoint Health Insurance Co which eventually merged with United Health Care. She was a Senior Underwriter in medical and life and Special Projects Underwriter for United Health Care prior to joining IBU in January of 2006. Before Underwriting she worked as a Nurse for 15 years, mainly working in the Emergency Room and Intensive Care Unit. She held the title of President of the Door County Wisconsin Nursing Association for 5 years. Her education is in Nursing, Supervisory Management, HIAA & LOMA.

Terri GrossTerri Gross spent her entire underwriting career with Northwestern Mutual Life in Milwaukee, WI. During her 7 years as a Life Underwriter, she attained the level of Life Underwriting Specialist. She also passed the NASD series 6 and 26 exams. Terri received a BA in Speech Education from Marquette University in Milwaukee, WI. Jan Haban has five years of life underwriting experience from Nationwide Life in Columbus, Ohio. In addition she has passed the Ohio agents license exam and the NASD Series 6. Jan has a BA in English from Capital University in Columbus, Ohio.

Betty HalterBetty Halter has 37 years of individual life underwriting experience. She spent the first 18 years with American National Life in Galveston Texas. Betty and her husband moved to Durham, North Carolina where she worked for 10 years with Integon and Peoples Security insurance. Betty then moved back to Galveston to work the rest of her career at American National. Betty has returned to her roots in North Carolina to work for IBU.

Lisa HendersonLisa Henderson ACS, comes to IBU with 19 years in the Insurance Industry. She spent 5 years with Empire Blue Cross & Blue Shield in Albany N.Y. in Health Claims and 14 years with State Farm Insurance Co. in Malta N.Y. as a Senior Life/Health Underwriter. She specialized in Individual Life New Business and Policy Changes Underwriting as well as Agency Staff Training.

Angela HollowayAngela Holloway has over 11 years’ experience in the insurance industry. She began her career in the Allstate Insurance Claims division in Miami FL. Before coming to IBU, she worked at State Farm Insurance Company as a Life, Health and Disability Underwriter in Winter Haven FL and Charlottesville, Virginia. She graduated from the University of Central Florida with a Bachelor of Arts degree.

Jill HolmJill Holm, ACS, spent her entire underwriting career with American Republic in Des Moines, IA. In her 6 years at American Republic she was an underwriter for both Life and Major Medical. Jill was also promoted to Underwriting Auditor where she reviewed the accuracy and decisions of other underwriters.

Sandy JohnsonSandy Johnson worked for Farm Bureau Life Insurance Company in Manhattan Kansas for 23 years. She began working in the Accounting Department, moved to Assistant Underwriter for several years and then spent 6 years as a Life Underwriter. She also underwrote Disability and Hospital Confinement Insurance as well. She joined IBU in the Fall of 2005.

Paula KamPaula Kam began her 10 yr career in the life insurance industry as a Registered Representative working with Variable Annuities and Variable Universal Life Coverages. She has spent 6 years in life insurance underwriting as a Career Life Underwriter and Senior Underwriter. She has worked for The MONY Group and William Penn prior to joining IBU inc. Paula has graduated Magna Cum Laude from the State University at Buffalo with a BS degree in Business Administration, with concentrations in Marketing and Human Resources. She has also obtained an MBA degree from LeMoyne College. She has passed the NASD series 6 exam, LOMA 1 and 2, ALU 1 and 2.

Donna Kornas Donna Kornas joins IBU after a 30 year career with the Prudential Insurance Company in Plymouth, Minnesota. Donna spent 26 years as a Life Underwriter. During that time Donna served on the company’s first Imaging Pilot Team. She also participated on the team that created the schedule for off-hours phone coverage and compressed work week. In addition, she earned 100% Quality Review scores for Technical and Customer Impressions and passed the NASD Series 6 exam.

Billie Jo LaubyBillie Jo Lauby began her underwriting career as a Small Group underwriter with Trustmark in Lake Forest, IL. After leaving Trustmark, she worked for 5 years as a Life underwriter for Allstate Life, Vernon Hills, IL and Zurich Kemper Life, Schaumburg, IL, attaining the level of Senior Underwriter. She received a BA in Finance with a Minor in Insurance from the University of Wisconsin-Whitewater.

Kim MIllerKim MIller comes to IBU with 5 1/2 years of Life/Health underwriting experience and 3 years of Health Claim experience. She began her Life/health insurance career with State Farm Insurance in 1996 working as a Health Claims Examiner reviewing and paying bills and approving disability claims. In 1999, she switched to become a Life/Health Underwriter, conducting her own telephone interviews with clients as well as interpreting medical records. She has experience underwriting for LTC (Long Term Care), Infant, Hi-Value, preferred risk, term and permanent products, as well as health insurance products. She holds an AAS in Mechanical Engineering & Drafting from Adirondack Community College and a BS in Business Marketing & Management from Regents College.

Julio MunizJulio Muniz, Bilingual (English/Spanish) Medical underwriter began his 4 year underwriting career with Humana in Miramar, Florida, underwriting both Health and Life Policies. Upon leaving Humana, Julio underwrote traditional life and life settlements cases for Sun Life through GIR, and also for local brokerages agencies in Florida. Julio brings 12 years of experience as a medical doctor in Cuba, combined with 5 years specializing in general pediatrics.

Melissa OrtizMelissa Ortiz, FLMI, began her underwriting career with Travelers in Hartford, CT. Upon leaving Travelers, Melissa spent the next 9 years as a Reinsurance Underwriter with Cigna Re in Bloomfield, CT, Optimum Re in Dallas, TX and General and Cologne Life Re in Stamford, CT. Melissa received a BA Degree from the College of William and Mary. Melissa also handles domestic Spanish speaking IBU requests as well as International requests originating from Central and South America.

Jodie Pascoe.Jodie Pascoe. Prior coming to IBU Jodie spent her entire career with Guarantee Reserve Life in Calumet City, IL. Jodie has 13 years’ experience as a Life Underwriter. During her time as a Life Underwriter she also interviewed applicants for insurance. Jodie has had additional training in medical terminology and previously held a Life/Health agents license.

Suzanne PankowSuzanne Pankow spent her entire six year underwriting career with Bankers Life and Casualty in Chicago, Illinois. Her underwriting experience includes Long Term Care, Specific Disease, Hospital Indemnity and Medicare Supplement insurance. Her dedication to service was acknowledged by Bankers when she received the "Certificate of Achievement for Outstanding Service" for the third quarter of 2000. Suzanne has completed several LOMA courses and is pursuing a BA in International Affairs from DePaul University.

Sou PhrommanySou Phrommany, FLMI, ACS, comes to IBU with six years of Underwriting experience. She spent her entire career at American Republic in Des Moines, IA. Sou underwrote both Life and Major Medical insurance. Sou was also promoted to Underwriting Auditor. She received a BS in Biology from Iowa State University. Sou also conducts interviews for Laotian speaking proposed insureds.

Sandy RingerSandy Ringer, FLMI, ACS, underwrote Life Insurance for five years at Lincoln Benefit Life in Lincoln, NE. While at Lincoln Benefit, she also underwrote Disability Income on the Surety Life Team. Sandy has a BA Degree from the University of Nebraska-Lincoln.

Stephanie ShumosicStephanie Shumosic, Prior to working for IBU, Stephanie was a home office Life Underwriter for 15 years. She began her career at Mutual Benefit Life in Newark, New Jersey and then moved to the Brokerage Division on Metropolitan Life in Princeton, New Jersey. Stephanie subsequently worked for Penn Mutual in Horsham, PA and spent the final 7 years of her career at Nationwide/Provident in Newark, Delaware. She has passed the NASD Series 6 exam and holds a BS degree from the New York University College of Business and Public Administration.

Rebecca SmitsRebecca Smits, Prior to joining IBU, Becky spent ten years as an underwriter with The ASA group in Knoxville Tennessee, a BGA that specializes in impaired risk cases. Becky holds a BS from the The University of Tennessee .

Debbie Stewart'sDebbie Stewart's underwriting career spans 16 years. She worked for Life Investors, Ascent Management and National Health Insurance in the Fort Worth, Texas area. She has extensive experience in both Individual Life and Health Underwriting.

Marion WalterMarion Walter spent 17 years with State Farm Insurance working as a Life, Health and Disability Underwriter and Life Underwriting and Service Supervisor. She holds a degree in Biology and well as the CLU, ChFC, FLMI, FALU, ALHC, HIA, ACS and CPCU insurance designations.

Julie WagonerJulie Wagoner comes to IBU with over six years of Disability Income underwriting experience. She worked for Metropolitan Life’s Disability Income service center in Tampa, FL. Prior to underwriting, Julie trained agents on Disability Underwriting guidelines. Julie received a BA in English from Texas Tech University. She is one of IBU's Disability Income specialists.