Greg Bruner is Senior Vice President of Marketing Strategy and Client Services at Michael Edwards Direct, Inc. For over 30 years Michael Edwards has partnered with insurance companies to offer direct marketing programs that generate more customers and more customer value. Our proprietary policyholder marketing program called You’ve Earned It® drives increased loyalty among policyholders and generates substantial income to agents and their carriers. For more information about You’ve Earned It®, contact Greg at gregbruner@michaeledwards-direct.com or 630-570-4794. Jay Jaffe is a Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries. He is President of Actuarial Enterprises, Ltd. His firm provides creative actuarial and marketing services to insurance companies, agents, banks, and associations. He has helped to create and manage many policyholder marketing programs throughout his career. Jay’s email address is  jay@actentltd.com or he can be reached by phone at 312-397-0099.