H. Ross Totten, FCIP, CCIB., is President and CEO of HRT Insurance Consulting Inc. incorporating The MGA Marketer and is a Director of SIAdvisers, as well as serving on the Board of Directors of Arch Insurance Canada Ltd. and Merlin Underwriting Ltd. He is the founder of Totten Insurance Group and past CEO and major shareholder of South Western Insurance Group.

After over four decades as an insurance intermediary, he now works with MGA's, Intermediaries, companies, retail brokers and specialty markets on a variety of areas in the Claims, Product Development, Marketing and Distribution fields.

The MGA Marketer is a new marketing concept that provides marketing services for a limited number of MGA's with face to face Broker calls and shared expenses. Strategic International Advisers is a specialty claims firm providing TPA and Subrogation services as well as Claims and Litigation management to a variety of markets and risk managers. Merlin is an MGA specializing in the Construction segment of the industry.

Ross is a Past President of the Insurance Institute of Ontario and Past Governor of the Insurance Institute of Canada. Involved in education for several years, he has been an Institute course instructor, Coordinator of Insurance Studies at St. Clair College, and teacher and lecturer for RIBO licensing and CAIB courses.

A frequent speaker at seminars regarding insurance issues dealing with niche or specialty marketing, he has written numerous articles on the subject. Previously he was the International Executive Committee representative for Gamma Iota Sigma, an insurance fraternal organization on university and college campuses in Canada and the USA.

Ross was an early recipient of the National Leadership Award for Established Leaders and has been involved in senior management of MGA's and insurance intermediaries in Canada for over 47 years.

Mike Callon is a founder and Vice-President of "The MGA Marketer'' which is a new marketing concept that provides marketing services for a limited number of MGAs with face to face Broker calls and shared expenses.

Mike has over 50 years in the Insurance business and has an extensive and mixed industry background.

His experience over 50 years includes, Underwriter Trainee and Underwriter as well as Field Representative with General Accident, Sun Alliance and Federation and Marketing Manager for Laurentian/Boreal across Ontario. During this period he also was a Broker in Orillia for 6 years. He was with South Western Group and Totten Insurance Group for a total of 17 years where he served as a Senior Underwriter, Marketing Manager with the last 15 years as Vice-President of Marketing for both these large National Intermediaries.

Mike has been heavily involved in the Industry and very supportive of the Independent Brokers locally, provincially and nationally. He has presented over 45 accredited seminars in all Provinces (except Quebec). He has represented his Companies at over 150 Provincial Conventions, 65 Broker Zone meetings/trade shows as well as 100's of other industry functions including golf tournaments and Meet the Underwriter Nights.

With his commitment to the Industry Mike chaired the founding convention of Y.B.C for the Ontario Brokers Association in the mid-seventies. This Young Brokers Committee operated for several years and the Young Brokers Association has now been resurrected and plays a large part in today's Insurance industry family. As a member of the London Field Representatives Association he also chaired the first six Industry Hockey Tournaments held in Lucan, this growing industry event has been held annually since 1979. Mike also chaired the first 13 Meet the Underwriters Night for the London Field Representatives Association starting in 1980. This Broker/Company event still runs annually and has spread across many regions in Ontario.

Due to Mike's many years of service in the industry, his interest in people and his willingness to "work the room" he is recognized and is well received across the country by Companies and Brokers.

Joan Totten started her working career in the insurance industry at London Life Insurance Company, working in the underwriting department.

After a short time at London Life Joan spent twenty four years with a printing company in Leamington, specializing in producing glue applied labels for the food and beverage industry. As Communication Manager she saw a full range of projects from start to finish. The printing industry was very rewarding, having been with the company when it had only
ten employees, and helping to guide it to one hundred and two employees, producing labels for many National companies.

Upon returning to London from Leamington Joan, continued in administration for the packaging industry, again this time producing cartons for the pharmaceutical industry.

After her packaging career, she had the great opportunity of once again working in the insurance industry, this time as co-founder, developing an insurance company providing coverage for cats and dogs resulting from sickness and accident.

Upon selling this company Joan joined Totten Insurance Group working in several different administration capacities especially in the claims field. During her time at Totten Group she was privileged to help organize and administer "Totten Gives" which supported many charities like WICC, Bicycles for kids, Golf Tournament for Vision Canada, food and clothing for needy families and other charitable activities.

Now in semi-retirement she is proud to be part of HRT Insurance Consulting as V.P. Administration.