Forty-five years ago, I began working in the insurance business. Dec. 1 was my official first day as an employee of The Unity Mutual Life Insurance Co. of New York.

I was an actuarial trainee, hired by the first of many great leaders I have worked for over the years, Vice President and Actuary Bill Murray. To this day I’m convinced he hired me because when he asked what I thought of Social Security, I answered that I thought it would run out of money someday unless the design was changed.

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