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Strength. Vision. Stability.

AMIC Corporate Information

Management

Roy T.K. Thung 
Chief Executive Officer

Roy T. K. Thung is the Chief Executive Officer, President and Chairman of the Board of Directors of Independence Holding Company (NYSE: IHC), having served IHC in various capacities since its founding in 1980. Mr. Thung also serves as Chief Executive Officer, and as a director, of American Independence Corp. (NASDAQ: AMIC), and as a director of The Aristotle Corporation. Both American Independence Corp. and The Aristotle Corporation are affiliates of IHC.

Mr. Thung holds an M.B.A. from the Stern School of Business at New York University.


David Kettig 
President

David T. Kettig is Chief Operating Officer and Senior Vice President of Independence Holding Company (NYSE: IHC), having served IHC in various capacities since 1992. Mr. Kettig is also a director of IHC. In addition, Mr. Kettig serves as President of American Independence Corp. (NASDAQ: AMIC) and as President of both Standard Security Life Insurance Company of New York and Independence American Insurance Company, all corporate affiliates of IHC. He is a frequent contributor to trade publications (such as Broker World, HIU and Benefits Selling) on topics including medical stop-loss and fully insured health products. Mr. Kettig is a regular speaker at industry events on trends in the health insurance industry and the future of health care policy in the United States.

Prior to joining IHC, Mr. Kettig practiced law with a large firm based in New York City. He holds a law degree from Cornell Law School and is a graduate of Hamilton College.


Teresa A. Herbert 
Chief Financial Officer and Senior Vice President

Teresa A. Herbert is Chief Financial Officer and Senior Vice President of Independence Holding Company (NYSE: IHC), having served IHC in various capacities since 1988. Ms. Herbert also serves as Chief Financial Officer of American Independence Corp. (NASDQ: AMIC), and as a director of AMIC. AMIC is an affiliate of IHC.

Prior to joining IHC, Ms. Herbert worked for KPMG LLC. She holds an accounting degree from Rutgers University and is licensed as a Certified Public Accountant in the state of New Jersey.


Gary J. Balzofiore 
Corporate Vice President – Finance

Gary J. Balzofiore is Corporate Vice President – Accounting and Finance of Independence Holding Company (NYSE:IHC) and its affiliate, American Independence Corp. (NASDAQ: AMIC). Mr. Balzofiore is also Executive Vice President and Chief Financial Officer of Standard Security Life Insurance Company of New York, a wholly owned subsidiary of IHC.

Mr. Balzofiore holds a Bachelor of Science in Accounting from Wagner College. He has over 30 years of professional experience in the insurance industry.