Tom MacKinnon joined BMO Capital Markets in 2010. He has 12 years of experience covering insurance stocks in equity research at Scotia Capital in Toronto. He is also an Actuary and has consistently been a top-ranked Insurance Analyst in Canada, according to the Brendan Wood International’s surveys. Prior to joining Scotia Capital in 1998, Mr. MacKinnon spent six years at Tillinghast-Towers Perrin, an actuarial consulting firm. Prior to that, he worked at The Canada Life Assurance Company as an Actuary. Mr. MacKinnon graduated with a B.S. in actuarial science from the University of Western Ontario. He is a Fellow of the Society of Actuaries, a Fellow of the Canadian Institute of Actuaries and Member of the American Academy of Actuaries.