Abstract: Steve Armstrong is a personal insurance expert with over 25 years of extensive experience in pricing, product design, underwriting, and regulatory work. Throughout this career, Steve has led teams of actuaries, predictive modelers, and product analysts; he has also served as an expert witness in several states. Steve began his career at Allstate Insurance Company, where he worked as an actuary overseeing actuarial and analytical talent for auto and homeowners insurance focusing on both the state-specific rate reviews and filings and the predictive modeling and countrywide rating plan development. During his tenure, Steve was responsible for introducing the product and rating algorithm for Drivewise, Allstate’s usage-based insurance endeavor before he left in 2012. Between 2012 and 2017, Steve worked for two large global insurance companies to help bring actuarial best practices to these companies and to other countries ar ound the world. Steve recently returned to Allstate to oversee actuarial work and lead actuarial pricing strategy for private passenger automobile. Steve received his Bachelor of Science degree in Actuarial Science from the University of Illinois – Urbana-Champaign in 1992 and his MBA from the University of Illinois – Chicago in 2003. Steve received his Casualty Actuarial Society (CAS) Fellowship in 1996; he served on the CAS Board of Directors from 2011- 2014 and as the CAS Vice President of Admissions from 2014-2017.