Edward E. Graves, CLU, ChFC, associate professor of insurance at The American College, has served on the College’s faculty since 1976. He is responsible for the courses in the Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) designation programs that deal with individual life insurance products and life insurance law. Mr. Graves has published articles on these subjects in industry journals and is the coauthor of a number of textbooks for both The American College and the American Institute for Chartered Property and Casualty Underwriters. He is consulting editor on life insurance products for the Journal of the American Society of CLU & ChFC, and he served on the Insurance Task Force of the Financial Products Standards Board from 1987 to 1989. More recently Mr. Graves was a member of the task force that created the Life Insurance Illustration Questionnaire (IQ) for the American Society of CLU & ChFC. His professional memberships include the American Risk and Insurance Association, the American Society of CLU & ChFC, and the International Association for Financial Planning. He earned his BS degree from California State University at Los Angeles. He holds a master’s degree from the University of Pennsylvania.

Burke A. Christensen, JD, CLU, has 20 years of experience as an insurance, tax, and estate planning lawyer. He was awarded the Chartered Life Underwriter designation in 1987. In April 1995, he became a life insurance agent and was appointed vice president of A.W. Ormiston & Co., a 64-year-old insurance brokerage agency, which specializes in providing life and health insurance to large law firms throughout the United States. From 1984 to 1995, Mr. Christensen was vice president and general counsel for the American Society of CLU & ChFC in Bryn Mawr, Pennsylvania. He has served on the drafting committees for the American Society’s Life Insurance Illustration Questionnaire and the policy Replacement Questionnaire (RQ). He is a frequent author and lecturer on insurance and estate planning. Since 1979, his column, "Law & Life Insurance," has appeared monthly in Trusts & Estates magazine. He was a contributing author for the 1994 edition of McGill’s Life Insurance, and he has written other articles for the Journal of Insurance Regulation, Trusts & Estates, Probate & Property, and the National Law Journal. Since 1985, he has been the author of the American Society’s column on business and professional ethics, "Strictly Speaking," which is published in the Journal of the American Society of CLU & ChFC. Mr. Christensen is a graduate of Utah State University and the University of Utah College of Law. He is a member of the Pennsylvania and American Bar Associations, and he is admitted to practice before the United States Supreme Court.