RICHARD E. BRAUN MD, Senior Vice President and Medical Director, LabOne Inc, Lenexa, Kansas, USA GARY BUNDOCK FCII DMU (AMS), Divisional Underwriting Consultant, Swiss Re Life and Health, London, UK SHANKLIN B. CANNON MD, Medical Director, Northwestern Mutual Life Insurance Company, Milwaukee, Wisconsin, USA MICHAEL CLARK Senior Vice President and Chief Medical Director, Swiss Re Life and Health, Armonk, New York, USA GORDON R. CUMMING MD FRCP(C) FACC, Vice President and Medical Director, The Great West Life Assurance Company, Winnipeg, Manitoba, Canada DANIEL C. ELLIOTT MD, Consultant, Long Term Care MARTIN L. ENGMAN MD, International Medical Risk Consultants Inc., Fort Wayne, Indiana, USA LINDA GOODWIN MD FACP, Internist, Geriatrician and President, Creative Risks Analysis, Inc,. Concord, North Carolina, USA POLLY GALBRAITH MD, Vice President and Chief Medical Director, Assurant Employee Benefits ROGER HARBIN FSA, Chief Operating Officer, SAFECO Life Insurance Company, Seattle, Washington, USA DAVID E. HODGKINSON BSc (Hons) DMU (AMS), Implementation Consultant, Swiss Re Life and Health, London, UK MICHAEL W. KITA MD (deceased) Formerly Vice President and Senior Medical Director, UNUM Life Insurance Company, Portland, Maine, USA ROSS LAWRENSON MD MRCGP MFPHM FAPHM, Professor of Primary Care and Head of the Waikato Clinical School, University of Auckland, New Zealand JOHN LOCASCIO Vice President and Senior Medical Director, UNUM Provident, Portland, Maine, USA J. ALEXANDER LOWDEN MD PhD FRCP(C) FCCMG, Senior Vice President and Medical Director, LabOne Inc. PETER C. MAYNARD FCII, Director, SelextX Ltd., Princes Risborough, Buckinghamshire, UK HOWARD L. MINUK MD FRCP (C) ABIM, Chief Medical Officer, Swiss Re Life and Health, Toronto, Ontario, Canada JAN VON OVERBECK MD MSc, Chief Medical Officer, Swiss Re, Zurich, Switzerland RODNEY C. RICHIE MD FCCP, Texas Life Insurance Company, Waco, Texas, Medical Director, Professional Medical Services Inc., Waco, Texas GEOFFREY H. ROBB MB FRCP, Consulting Diabetologist, Epsom General Hospital, Chief Medical Officer, Friends Provident, Pension Annuity Friendly Society, RGA (UK) Ltd., UK F. CLIFFORD ROSE MB FRCP, Director, London Neurological Centre, London, UK EMILIO RUBI (deceased) Formerly Technical Director, Underwriting, Long Term Care Division, GE Capital Assurance, California, USA JAMES A. RYAN JR. MD FACP (deceased) Formerly Medical Consultant, Transamerica Life Companies, Los Angeles, California, USA RICHARD B. SINGER MD, Consultant to American Academy of Insurance Medicine and formerly Second Vice President and Director of Medical Research, New England Life Insurance Company, Boston, Massachusetts, USA PATRICK D. SNOW MD, Vice President and Chief Medical Director, Thrivent Financial for Lutherans, Appleton, Wisconsin, USA KEVIN SOMERVILLE DM FRCP FRACP, Global Medical Consultant, Swiss Re Life and Health, London, UK MAXWELL E.C. THORPE MD FRACP, Consultant Gastroenterologist, Prince of Wales Hospital, Sydney and Chief Medical Officer, Swiss Re Life and Health, Australia ANTHONY D. TOFT CBE MD FRCP, Consultant Physician and Endocrinologist, Royal Infirmary, Edinburgh and Chief Medical Officer, Aegon UK, Edinburgh, UK URSULA WANDL MD, Medical Director, Swiss Re Germany AG, Munich, Germany ROBERT W. WATSON MD FLMI, Vice President and Chief Medical Officer, Allianz Life Insurance Company of North America, Minneapolis, Minnesota, USA RICHARD WILLETS MA FFA, Consultant Actuary HARRY A. WOODMAN FSA FALU ChFC, Consultant Actuary ANNELIES S. ZINKERNAGEL MD, University Hospital Zurich, Switzerland. Less