Jay Ritchie joined HCC Life Insurance Company when HCC Acquired US Benefits Insurance Services in 1999. Jay was the Regional Vice President of Underwriting for US Benefits and has over 10 years of underwriting experience. Jay holds a Bachelor's of Business Administration degree and a Master's of Science in Risk Management and Insurance from Georgia State University. His unique background serves HCC Life Insurance Company well as he is currently responsible for all Policy and Compliance functions along with Product Development.