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Thomas R. Kozera, CPCU, received his BBA from the College of Insurance. He started his career with the Insurance Company of North America, where he gained extensive experience in actuarials, bonds and commercial underwriting. From there he moved to a major insurance brokerage where he became a senior executive. After more than 30 years in the business, Mr. Kozera is a respected teacher and speaks frequently to major real estate law firms and other businesses. Using his insurance expertise, he has consulted with clients in many industries and has worked with the FSLIC on insurance matters relating to major bank failures in Texas. | 