Andrew Edelsberg is a Managing Director in the Insurance group at Kroll Bond Rating Agency. Andrew was hired in November 2015 to head the newly established insurance ratings team. Before coming to KBRA, Andrew worked for A.M. Best for over 15 years in the Life/Health Ratings Division. At A.M. Best, he managed several analytical teams that provided rating coverage for diverse groups of domestic life/health insurers. Additionally, Andrew authored and oversaw the writing of research articulating A.M. Best’s credit opinion of life/health insurers as well as the rating agency’s position on industry issues. He often advised his peers on technical issues related to debt securities, rating tools and the rating process. For several years, Andrew was a standing member and co-chair of the Life/Health rating committee. Prior to this, Edelsberg was an Associate Analyst in the Life Insurance group at Moody’s Investors Service. Previously, he was an actuarial analyst at The Penn Mutual Life Insurance Company and worked on insurance company audits (mostly of life insurers) while at the public accounting firm of Coopers & Lybrand. Andrew received his undergraduate degree from the University of Pennsylvania’s Wharton School of Business with concentrations in Actuarial Science and Accounting. He is a Certified Public Accountant, a Fellow of LOMA’s Life Management Institute, and has passed the Level I exam of the AIMR Chartered Financial Analyst (CFA) Program.