<p>Robert L. Affronti Annuity expert 35 years experience(home office to national marketer) Excellent knowledge of products,services,agency agreements,compliance,pricing,compensationand industry practices.</p><p>FSD Financial Services Tarzana,CA(1995-present) President Annuityexperts.com Tarzana,CA(1997-present)</p><p>Founded FSD as a national wholesaler of fixed annuities and life products.Currently generate in excess of 75,000,000 in annuity premium.I provide consulting to major annuity carriers regarding product design,compliance issues,pricing issues,field compensation programs and new product innovations. I conduct agent training in the fixed annuity area.I assist sales groups with product and general annuity knowledge. I am a MGA(master general agent)for over 20 top annuity carriers. I have provided expert witness work on 2 occassions.In both cases my input saved a great deal of time and money by being able to isolate the major area of contention and provide a concise solution to the issues raised. I have had numerous articles published regarding uses of fixed annuities and Equity Indexed Annuities. Contributed to a recent Wealth Management Survey by Wharton School of Business and had comments included in final report. Nickname is “Mr. Spia”(single premium immediate annuity)</p><p>R.E.Lee Group,Los Angeles,CA(1991-1995) Partner,Financial Services division</p><p>Founded the financial services division for the R.E.LeeGroup(currently Highland Capital).Negotiated all agency contracts.Created all administrative and marketing functions for the fixed annuities.</p><p>Crown Life Insurance Company(1975-1991,1996-1997) National Annuity Director Regional sales Director</p><p>Started the Crown Life pension division in 1975.Spent most time in Home Office with senior management to design and build product in first 12 months.Was top sales region most years. I created the muni-gic product line generating over 1 billion in sales. Was a speaker at many industry meetings. Designed many individual; products sold by Crown. As National Annuity Director,I built new product and re-invented the distribution network for the company.</p><p>Worked in all areas and did the product fillings with all the states.Addressed issues on compliance,pricing,actuarial,product features and compensation programs.</p><p>American Mutual Ins.(1971-1975) Regional Manager,life and pensions</p><p>AM was a direct writer.I was in charge of rep training and client presentation assistance.Wrote the first pension programs by AM.</p><p>INA Life of NY(1969-1971) Trainee</p><p>Learned the basics of insurance.High limit AD&D.group life and medical.</p><p>Additional info. Have been a guest speaker at many conferences and industry meetings.Have had many courses of training at various schools and companies.I have a very strong understanding of my industry from a Home office,field office,management and independent marketering area.</p>