Elan Moas
Boca Raton,FL
Summary
"Lapsed, The Universal Life Insurance Whistleblower" is an expose of the entire universal life industry based on over 5000 individual policies researched totaling over $1B in death benefits.
Overview
35
35
years of professional experience
Work History
Author
Moas Consulting
08.2023 - Current
"Lapsed, The Universal Life Insurance Whistleblower"
SEC Whistleblower
N/A
07.2016 - 03.2024
I submitted my first SEC Whistleblower tip in 07/2016 based on 90% "in force illustration" policy "lapse" rates on universal life insurance policies at MetLife. I added the Group UL/VUL problem to the next three SEC tips in 2023-2024.
University Lecturer (Ethics & Fraud)
Penn State University
11.2023 - 11.2023
Explained life insurance policy types and why they "lapse". Discussed ethical behavior in business, my whistleblower story, and how this trillion-dollar problem dwarfs the Madoff-Ponzi.
Financial Advisor
Mass Mutual
07.2016 - Current
Financial Advisor
Met Life
03.2008 - 06.2016
Mortgage Analyst/Mortgage Underwriter
First NLC/Merrill Lynch
01.2003 - 02.2008
Financial Advisor/Financial Specialist
A.G. Edwards/First Union/Wachovia Bank
03.1998 - 01.2003
Tank Driver
Israeli Defense Forces
11.1989 - 08.1992
Education
No Degree - Completed Four MBA Classes
Johns Hopkins University
Baltimore MDBachelor of Science - Real Estate & Finance (Double-Major)
Florida Atlantic University
Boca Raton FL12.1997
Websites
Affiliations
- Series 6, 7, 63, 65, 2-15 (Life, Health & Variable Annuity), 2-20 (Commercial P & C)
Professional Summary
I am a fifteen year financial advisor and after recognizing multiple structural flaws in universal life (UL, IUL, VUL, Group UL/VUL), I submitted four SEC Whistleblower tips in between 2016-2024 to alert regulators.
With Moas Consulting, I assist consumers in ethical life insurance guidance, offer life insurance training for advisors/CPAs/attorneys, university lectures, consulting, guest on podcasts, expert witness and speaking engagements.
Timeline
University Lecturer (Ethics & Fraud)
Penn State University
11.2023 - 11.2023
Author
Moas Consulting
08.2023 - Current
SEC Whistleblower
N/A
07.2016 - 03.2024
Financial Advisor
Mass Mutual
07.2016 - Current
Financial Advisor
Met Life
03.2008 - 06.2016
Mortgage Analyst/Mortgage Underwriter
First NLC/Merrill Lynch
01.2003 - 02.2008
Financial Advisor/Financial Specialist
A.G. Edwards/First Union/Wachovia Bank
03.1998 - 01.2003
Tank Driver
Israeli Defense Forces
11.1989 - 08.1992
No Degree - Completed Four MBA Classes
Johns Hopkins University
Bachelor of Science - Real Estate & Finance (Double-Major)
Florida Atlantic University
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