Carmi Margalit is a Managing Director and the Life Insurance Sector Lead for the North American Financial Services Ratings group. Full Bio

Carmi Margalit is a Managing Director and the Life Insurance Sector Lead for the North American Financial Services Ratings group. Carmi leads the group’s research, commentary and analytical outreach efforts on life insurance. He serves as the subject matter expert on life and annuities in North America and is one of the primary voices of S&P Global’s interactions with the market in the sector. He directly covers a portfolio of high profile life insurers and follows the entire sector very closely.

Prior to his current role, Carmi was the analytical manager of the life and health insurance team; he was an analyst on the life team and in the structured finance group before that.

Carmi is a Chartered Financial Analyst, holds an M.B.A. from Columbia Business School and a B.A. in industrial engineering from the Tel Aviv University. Minimize

Tim Zawacki is a principal research analyst covering the U.S. insurance industry for S&P Global Market Intelligence. Full Bio

Tim Zawacki is a principal research analyst covering the U.S. insurance industry for S&P Global Market Intelligence. He has covered the insurance industry in various capacities since joining SNL Financial in 1999. Based in Charlottesville, VA, Timauthors the annual US P&C Market Report,US Life and Annuity Market Report and various other thought leadership providing historical context and forward-looking outlooks regarding key industry trends and developments at the line of business level. Tim hasalso published numerous articles and research on M&A activity in the property and casualty and life and health insurance sectors, focused on trends in the underwriting and distribution sides of the business. He is a 1999 graduate of the University of Virginia.

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John Iten is a Managing Director and Property/Casualty Insurance Sector Lead in the North American Financial Services group at S&P Global Ratings. Full Bio

John Iten is a Managing Director and Property/Casualty Insurance Sector Lead in the North American Financial Services group at S&P Global Ratings. He leads the group’s research, commentary, and investor outreach efforts on property/casualty insurance. He also has primary analytic responsibility for a portfolio of high-profile property/casualty insurers.

Prior to his current role John led a team of credit analysts within Nonlife Insurance responsible for a portfolio of North American property/casualty, multiline, title and bond insurers.

Prior to rejoining S&P in 2002, John was with Scudder Insurance Asset Management, a unit of Zurich Scudder Investments, for eight years where he focused on the management of investment portfolios for property/casualty and health insurers. Before joining Scudder, John was an analyst with Standard & Poor’s Insurance Ratings for six years with responsibility for a portfolio of U.S. and European property/casualty and life insurers.

John received his undergraduate degree from the University of Virginia and MBA degree from Duke University. Minimize

Raghu Ramachandran is a consultant with S&P Dow Jones Indices in the Insurance Channel focusing on general accounts of Insurance Companies. Full Bio

Raghu Ramachandran is a consultant with S&P Dow Jones Indices in the Insurance Channel focusing on general accounts of Insurance Companies. Prior to S&P, Mr. Ramachandran was CIO at Global Indemnity & Old Mutual (Bermuda). He was also an Insurance Portfolio Manager and Portfolio Strategist at Brown Brothers Harriman & Co. Mr. Ramachandran has a B.S. in Physics and a B.A. in Astronomy from the University of Texas - Austin.  Minimize

Chris Winter is one of the insurance leaders in the Market Intelligence division at S&P Global. Full Bio

Chris Winter is one of the insurance leaders in the Market Intelligence division at S&P Global.  He works both with insurers to help them utilize the full suite of S&P products, including financial data, credit risk solutions, and data feeds, but also to leverage our insurance product with all client types including investment banks, asset managers, and consultants.  

Originally starting with SNL Financial, he has been with the company for over a decade and specializes in NAIC statutory and rate filings data.  He holds a Bachelor of Arts in History and English from the University of Virginia and an MBA from the College of William & Mary. Minimize