Dr. Brad Heltemes serves as VP and Medical Director of R&D at MunichRe. He is board certified in Internal Medicine and Insurance Medicine, is a Fellow of the American Academy of Insurance Medicine, and is very active in AAIM and other insurance medicine organizations. In addition to his involvement in mortality research and the assessment of medical trends and advancements, Brad has written and spoken on mortality, underwriting, and claims topics on numerous occasions throughout the industry.