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Insurance Advisory Committee members

Member roster

Consumer representatives

Executive Director
Oregon State Council for Retired Citizens
United Seniors of Oregon
President, Oregon Consumer League
Phone: 503-720-4908
davisjasr503@gmail.com

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​Dr. Jim Davis is a social psychologist, gerontologist, educator and advocate. He has served on the Oregon Insurance Advisory Committee for more than 30 years. He retired in 2016 after serving for 11 years as an associate professor in the Human Sciences Department at Marylhurst University. Dr. Davis currently is the Chair of the Oregon Disabilities Commission and the state Older Adult-People with Disabilities Behavioral Health Advisory Council. Dr. Davis is also the long-time executive director of the Oregon State Council of Retired Citizens and United Seniors of Oregon (both of whom he has served since the 1970s), state affiliates of the National Council on Aging.

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Executive Director
Oregon Consumer League
Phone: 971-997-2590
mdruce@oregonconsumerleague.org​​

Michelle Druce is the executive director of the Oregon Consumer League and the Oregon Consumer League Action Fund. The Oregon Consumer League was founded in 1966 and works to educate consumers, promote fair and ethical business practices, and advance consumer protection laws in Oregon. She is an experienced compliance attorney with more than 33 years as an attorney. She has expertise in a wide variety of financial services, state and federal compliance, privacy, and risk management. She earned her law degree from Willamette University College of Law. Michelle has volunteered in many roles to assist consumers. She previously served as a board member and treasurer of the Oregon Consumer League before her role as executive director.

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​​​AARP Oregon State Representative
Phone: 503-804-2107
E-mail: bltham@comcast.net​

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Bill Hamilton ​ is the consumer representative for AARP Oregon. He is a member of the governor-appointed Advance Directive Advisory Committee, which reports to the Oregon Legislature. In addition, Bill spent seven years as AARP state representative on the Oregon POLST Coalition and served as chairperson of the Community Insight Committee. 

Bill also serves as a guest speaker with AARP on Social Security and its Fraud Watch Network. He frequently works with the Oregon Department of Justice on state programs educating the public about fraud and scams. 

He is retired after 20-plus years working in corporate relations for a software company focused on the financial industry.

Volunteer Health Consumer Advocate

Email: paul@AutismInsuranceOR.org

Paul Terdal has volunteered as a health consumer advocate for the past 14 years. He has also helped write and lead advocacy for numerous Oregon laws relating to the insurance code and health licensing, including laws regarding insurance coverage for treatment of autism spectrum disorder, the insurance commissioner's authority to order restitution as part of enforcement actions, and the right of individuals with disabilities to receive organ transplants.​​​

Industry representatives

​​State Government Affairs Director
Pacific Northwest Region (WA, OR, ID, AK)
Cigna Healthcare
Phone : 503-577-8856

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Jennifer Baker is the State Director of Government Affairs for Cigna Healthcare in the Pacific Northwest region. She manages Cigna’s advocacy agenda on state legislative and regulatory issues. She is the current Chair for the Oregon State Bar Health Law Section. She brings over 20 years of government relations experience in Oregon, focusing on health insurance since 2011. Her focus for the Insurance Advisory Committee is to find new ways to provide access and affordability to quality health care for all Oregon consumers. She attended undergraduate school at Loyola University Chicago and earned her law degree from Willamette University College of Law.​

Director, Government and Regulatory Affairs
The Standard
Standard Insurance Company

1100 SW Sixth Avenue ​
Portland, OR 97204
Phone: (971) 321-6245
Cell: Cell & Text: (971)200-9739
Email: Ryan.Chieffo@standard.com

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Ryan Chieffo is the director of Government and Regulatory Affairs at The Standard. Ryan joined The Standard in 2016 as an attorney in the Legal and Compliance division. Before coming to The Standard, Ryan was an assistant director at the Vermont Department of Financial Regulation and an employee benefits attorney at Perkins Coie LLP. Ryan earned a Bachelor of Arts in Philosophy from Siena College in New York and his Juris Doctor degree from Georgetown University Law Center in Washington, D.C.

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​​Vice President, Deputy General Counsel & Assistant Corporate Secretary,
United Heritage Financial Group, Inc. and United Heritage Life Insurance Company
Vice President, Deputy General Counsel & Secretary,
Sublimity Insurance Company and United Heritage Property & Casualty Company
Phone: 493-6175 (Desk) | (800) 657-6351 (Toll Free)
Email: ​mgustavson@unitedheritage.com

Michelle Gustavson​ is an experienced corporate attorney with in-house experience representing a variety of industries including global food and agribusiness, health content and patient education solutions, and insurance. She joined United Heritage Financial Group, Inc. in January 2023 and currently serves as Vice President, Deputy General Counsel and Secretary of Sublimity Insurance Company and United Heritage Property & Casualty Company, and Vice President, Deputy General Counsel and Assistant Secretary of United Heritage Life Insurance Company and United Heritage Financial Group, Inc. In her role, Michelle manages legal and compliance matters for these corporations in the property and casualty, individual life and annuity, and group insurance markets.

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​​Vice President and Corporate Compliance Officer
PacificSource Health Plans
​ Phone: 503-802-5327
1500 SW First Ave, Ste. 200
Portland, OR 97201

​Dave Cass is Vice President and Corporate Compliance Officer for PacificSource Health Plans. Dave oversees the compliance program for all lines of medical and dental business including commercial, Medicare and Medicaid plans. His responsibilities also include providing leadership for the Fraud, Waste and Abuse program and Internal Audit function.

Dave has worked in health insurance since 1999 and has nineteen years of experience in regulatory and compliance work. He holds a Bachelor’s Degree in Creative Writing from the University of Illinois and a Master’s Degree in Public Administration from Portland State University.

​​Vice President, General Counsel and Secretary
Oregon Mutual
Phone: 503-883-1402
james.workinger@ormutual.com

James Workinger is the Vice President, General Counsel and Secretary of Oregon Mutual. Founded two centuries ago in the beautiful Willamette Valley on the principle of neighbors helping neighbors, Oregon Mutual proudly continues its tradition of service to members as the West’s oldest mutual property and casualty insurer.

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Industry producers

​President, ​​​​​Abel Insurance Agency​
​ P.O. Box​ 1780
​Coos Bay, OR 97420​
Phone: 541-267-4124 ext 208
​Fax: 541-267-2002
Email: wendy@abelinsuranceagency.com

President of Abel Insurance Agency, a family owned independent corporation headquartered in Coos Bay with branch office locations in Gold Beach, Florence and Newport. Wendy volunteers on a local fire department board and the Western Alliance of the Professional Insurance Agents.

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​​​​​Housley Agency​
​Junction City, OR 97448​
Philomath, OR 97370​
Phone: 541-998-2301​
Fax: 541-214-2007​
Text: 541-243-5797​
Email: khousley@farmersagent.com

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Kym Housley CHFC®, FSCP, LUTCF, FSS is the Financial Services Representative and Agency Owner of Housley Agency Inc.  She brings over a decade of experience in the insurance and financial services industry.  She helps her clients realize their long-term goals with retirement and estate planning as well as risk management.

Kym is currently State President of NAIFA Oregon. This organization is a continuing source of education and legislative advocacy for the Financial Services Industry. Education is a primary focus for herself, her clients and her staff.

Licenses and Certifications

  • 2010-Property and Casualty License
  • 2010- Life and Health License
  • 2012- Series 6 License
  • 2012- Series 63 License
  • 2021- Washington State Insurance License
  • 2018 SIE-Securities Industry Essentials Examination
  • 2012- Life Underwriter Training Council Fellow
  • 2013- Financial Services Specialist
  • 2018- Chartered Financial Consultant
  • 2021- Financial Services Certified Professional

Professional Organizations

  • 2022-2023 NAIFA State President
  • 2023 Vice Chair of the State of Oregon Insurance Advisory Committee
  • 2021 NAIFA State President Elect
  • 2018-2020 NAIFA State Treasurer and Secretary
  • 2020-2022 Treasurer of the Philomath Chamber Board
  • 2016-2019 Airport Rotary Foundation Treasurer
  • 2016-2018 NAIFA Lane County President
  • Philomath Chamber of Commerce
  • Tri County Chamber of Commerce
  • Veneta Chamber of Commerce
  • IFAPAC
  • Committee member for the State of Oregon, Insurance Advisory Committee
  • Committee Member for the State of Oregon, Division of Financial Regulation Agent Forum​​

​Employee Benefits Specialist
Hagan Hamilton Insurance Services​
Phone: 503-424-3361
dawn@haganhamilton.com

Dawn’s approach is unique when it comes to her role as an Employee Benefit Specialist. With 20 years of experience in the healthcare space she still has energy to help employers develop and implement new ideas. She is an excellent communicator and considers herself an extension of the HR department and looks to partner with her clients rather that work for them. Employee meetings are her favorite and she passionate teaching employees the tips and tricks of a very complicated system.

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Committee contact

outreach.dfr@dcbs.oregon.gov

Unless otherwise indicated, all meetings will take place virtually.