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Michelle Haines is an Associate Actuary for Ë¿¹ÏÊÓƵAPP U.S. Group Reinsurance. She provides product development services for voluntary products including Critical Illness, Accident, and Hospital Indemnity Insurance. Michelle also performs pricing, experience analysis, and various actuarial client services for Ë¿¹ÏÊÓƵAPP’s Group Life, Accident, and Specialty Reinsurance team.

Michelle joined the company in 2008 with eight years of actuarial experience, including four years in individual reinsurance.