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Life insurance is a financial safety net for your loved ones. Mr. Hershman has more than 40 years of professional insurance industry experience in accounting, auditing, financial investigations and complex financial matters involving financial reporting and the application of generally accepted accounting principles (GAAP") and statutory accounting principles.

Our independence from insurance companies, brokers and agents allows us to provide an unbiased and objective approach to your needs. Expert System's Cogito has been deployed in many of the world's largest banking and insurance institutions to deploy solutions for knowledge management, customer care, risk mitigation, anti-money laundering compliance and cognitive automation.

David has been offering Environmental Insurance Expert Witness and Litigation Support services for over 15 years. In addition to many designations, I have over 40 years of experience as a teacher, lecturer, and appraiser of gems and jewelry for private clientele, banks, insurance companies, legal firms, and the State of Pennsylvania Treasury Department.

I have a "Universal Life" Insurance policy worth $150,000 that will be closed soon if I do not pay the current and past premium adding up to 696.00 and 99.50 per month thereafter. Although people not involved in the business of insurance consider it to be difficult to understand, it is a simple contractual relationship easier to understand than a common commercial lease.

It concluded that although the lawyer seeking to testify as an expert witness was "a highly qualified trial attorney," his experience did not mean that he "had any special knowledge, skill, experience, training, or education such as would qualify him as an expert on insurance industry practices." This decision has often been cited, incorrectly, to disqualify witnesses who have not acted as claims handlers to testify as experts in claims cases.