Tilford Consulting was established in the year 2000 by William M. Tilford, FLMI, CLU, Certified FALU, Fellow (ALUCA), an independent consultant to life and health insurance underwriting departments since 1994 (health insurance risk selection ended with the Affordable Care Act of 2008), a former team manager and chief underwriter prior to that, and an experienced expert witness in insurance litigation. With nearly four decades of industry experience, he has acquired an eclectic mix of skill sets in the production, management and technical aspects of life, disability income insurance underwriting, quality assurance and life expectancies, and this enables Tilford Consulting to provide a broad spectrum of high-quality, efficient services to clients. Mr. Tilford has assisted over a dozen direct carriers and reinsurers (often as long-term and/or repeat customers) on a consulting basis since 1994. A graduate of the University of Chicago (BA, Political Science), he was an Assistant Survey Director at the National Opinion Research Center prior to beginning his career in insurance. On the volunteer front, he has an extensive history with underwriting associations and the Society of Actuaries, serving for several years as the Vice Chair of the SOA's Committee on Life Insurance Mortality and Underwriting Surveys until it was disbanded in 2021 (currently a member of the new SOA Research Institute Mortality Expert Panel), a term as Vice President, External Relations for the AHOU (Association of Home Office Underwriters), and a term as chair of the (IUSG) International Underwriting Study Group. He also mentored the revivals of underwriting associations in Chicago, the Carolinas and Texas and has authored and coauthored several industry articles and reports.
Tilford Consulting is a one-man operation by design and is committed to quality and reliability. Some projects have been long-term (one as long as seven years), with repeats common, but short term projects are also welcome.
Tilford Consulting takes confidentiality, excellence, ethics and dependability quite seriously - these are the things that have kept the business thriving for decades.
In April, 2023, William M. Tilford, FLMI, CLU, Certified FALU, Fellow (ALUCA) was inducted into the Association of Home Office Underwriters (AHOU) Hall of Fame, its highest honor for home office underwriters.