Senior Corporate Officers

Stephen Batza, FSA, MAAA, CLU, ChFC, is President, Pan-American Life U.S. Life Business. Before joining Mutual Trust in November 2007, Steve was executive vice president and chief operating officer of the Individual Life Business Unit at Liberty Mutual Group. In this position, he was responsible for a multi-channel distribution system with a comprehensive product portfolio. A recognized leader in the industry, he is a fellow of the Society of Actuaries and a member of the American Academy of Actuaries, and holds a bachelor's degree from Siena College.

Luke Cosme is Senior Vice President & Chief Sales and Marketing Officer. Luke graduated with a Bachelor of Arts degree in Economics and a minor in Spanish from the University of Illinois at Urbana-Champaign. He has more than 19 years of experience in the insurance industry. Prior to joining Mutual Trust in February 2014, Luke worked for 17 years at North American Company for Life and Health, the last 10 of which he served as Sales Vice President.

Geri Gaughan, JD, is Senior Vice President, General Counsel and Secretary, Mutual Trust Life Insurance Company. Before joining Mutual Trust, Geri was Senior Vice President and Deputy General Counsel for Life and Group Operations at CNA Financial Corporation, Chicago, Illinois. Geri started her career at Washington National Insurance Company where she spent 13 years in various positions. A graduate of Loyola University, she earned her law degree from John Marshall Law School.

Alfreda (Freddie) Jacob, SPHR, is Senior Vice President, Organization Development & Human Resources. Her career spans 25 years in various positions with small to large companies, including Schlumberger and Sun Microsystems. Before joining Mutual Trust in September 2001, Freddie had worldwide responsibilities as VP of Organization Development for ShowCase Corp. She holds a bachelor's degree from Northwood University and is currently a member of the "101 Chicago's Best and Brightest Companies to Work For" Advisory Board of Directors.

John Rosenkranz, CPA, FLMI, is Senior Vice President and Chief Financial Officer. Jack came to Mutual Trust from Destiny Health in Oak Brook, Illinois where he served as Controller. Previously, he spent 20 years at Guarantee Reserve Life Insurance Company in Calumet City, Illinois, most recently as CFO. Jack graduated from the University of Iowa.

Narayan Shankar, FSA, MAAA, CFA, is Senior Vice President and Chief Actuary. Narayan's experience includes a variety of actuarial roles covering life, health and annuity products at CNA Insurance Companies in Chicago and Allstate Financial in Northbrook, Ill. He has M.S. degrees from Iowa State University and the University of Illinois, and an M.B.A. degree from the University of Chicago.

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Form No. 190