Denis Garand is an actuary who is an Associate Consultant at OPM with over 35 years' experience, having worked for 20 years in the Canadian insurance industry, 10 years as an executive. He has extensive pricing and management experience in Life, Health, Disability and Agricultural insurance. He has undertaken consultancy work in over 30 countries, developing training material, advising insurance regulators, developing capital requirement models, advising on insurance company set up, and doing original research to develop actuarial tables. In Health insurance schemes he has advised World Bank, Asian Development Bank and many other organizations, in many aspects; including developing and modeling future health expenditures for countries. Denis has co-authored many publications and is a frequent speaker on insurance topics.