The Team

Five seasoned insurance executives represent a world class group of subject matter experts, investors and operators who will transform the Life, Accident and Health insurance industry:

Jim Higgins, CEO and Managing Director – is an accomplished senior executive with over 30 years of experience in the life, accident and health insurance industry. He possesses a unique combination of carrier level strategic planning, operations, product development and marketing expertise, along with both US and international MGA and financial institution distribution experience.

A pioneer in the deployment of e-quote thru e-policy technology, Mr. Higgins has held executive level positions at USLife Corporation, JPMorgan Chase Insurance Group, HSBC Insurance Group, USA, Samsung Life Insurance Co., Ltd, and Crum & Forster’s Accident & Health division.  See Jim’s Linked In profile.

Bill Tyson, CMO and Managing Director – has a 30+ year track record of building and managing multi-channel, multi-line insurance businesses using a variety of distribution models, technology platforms and data driven marketing, both domestically and internationally. He is a seasoned global insurance executive having excelled at several Fortune 500 companies (including AIG, CIGNA, CIGNA International, Jardine Matheson and more recently, Swiss Re – New Solutions Group).

In the past 5 years, he has been busy commercializing new InsurTech solutions that leverage emerging technologies including the Internet of Things, block chain, digital marketing, accelerated underwriting applications, behavioral science techniques and a variety of digital solutions across the entire (re) insurance value chain.  See Bill’s Linked In profile.

John Spinner, Senior Partner and National Sales Director – started his insurance career in 2006 as a Life and Health agent. John transitioned into management, where he spent the first half of his career in Territory/Regional Sales management roles. John left corporate insurance management in 2013 to co-found Innovative Insurance Brokers Inc.(currently doing business as Innovative Financial Group). Since that time, Innovative Financial Group has become one of the largest and fastest growing insurance marketing organizations in the country, more than doubling in annual insurance premium and sales force each year in business. Under John’s leadership, Innovative Financial Group grew to 4500 agents, and issued paid over $100 million in total insurance premium across all product lines in 2018. At the end of 2018 John decided to sell his interests in Innovative Financial Group to his partners and has joined IIP Group as a Senior Partner and National Sales Director.

Zachary Bornheimer, CTO – is a specialist in algorithms and data structures with experience in more than 10 programming languages.  The developer of the Underwriting Calculator BestPlanPro and its internal languages and algorithms, Bornheimer’s pattern-based approach to complex issues has shown effectiveness in the areas of theoretical corpus linguistics and natural language processing with his creativity finding synergy in procedural and complex business solutions.  Bornheimer received both his undergraduate and graduate degree from the University of South Florida where his research into pattern-based corpus linguistics culminated in the development of his theory of Linguistic Fusion, a Discovery Procedure, Unification Theory, and Formation Theory for all Human Languages.  Bornheimer’s unique overlap in business, programming, and background in creative expression provides a system-driven approach to business solutions where technology is a means to an end.