Lori Boyce, CHS is a graduate of Queen’s University, holding degrees in History and Education. Her professional career began in 1981 at Crown Life as a Disability Underwriter Trainee. In the past 34 years Lori has held a variety of executive positions at Aetna, Maritime, and Manulife; she has always had some degree of responsibility for Living Benefits underwriting. Currently she is the AVP of Underwriting, Risk Management, & Research and Development, Retail Markets, Manulife Financial. Lori’s focus is finding creative solutions for individual Disability, Critical Illness, and Long term Care insurance underwriting challenges and providing Living Benefits underwriting input into product development, training and field support.