Vice President & Chief Underwriter,
The Penn Mutual Life Insurance Company
Gretchen Dinucci is Vice President and Chief Underwriter at The Penn Mutual Life Insurance Company. Joining Penn Mutual in 2014, she brings more than 30 years of leadership experience in the life insurance industry and oversees underwriting philosophy, operations, largecase assessments, and the risk selection of ACE, Penn Mutual’s industry leading automated underwriting program. Gretchen holds the Academy of Life Underwriting (AALU) designation and is a past President of the Impaired Risk Underwriting Association, with a professional focus on underwriting innovation, risk selection, and delivering exceptional client experiences.
For ultra-high-net-worth families and business owners, new data, AI-driven tools, and expanded large-case capacity are changing what’s possible. All the while, political, fiscal, and tax pressures are raising the stakes on every sophisticated structure. This session gives advanced planners a clear-eyed look at where underwriting is headed, what it means for large face amounts, premium financing, and complex business cases, and how to position your process — and your clients — for what’s coming.