Michael K. Owens, Jr. - Chief Marketing Officer, Access Plans USA; President, America's Health Care / Rx Plan Agency

Mr. Owens was a member of the Insurance Capital Management (ICM) team that merged with Access Plans in January 2007. He joined ICM in January 2002. He has served as President of America's Health Care/Rx Plan Agency (AHCP) since January 2006. From December 2003 to February 2005, Mr. Owens served as an officer of States General Life Insurance Company ("SGLIC"). Previously, he served as Vice President of Corporate Development for Ceres Group, Inc., a publicly-traded insurance company from January 1999 through June of 2002. Mr. Owens serves on the board of directors for two 501(c) (3) organizations devoted to children's charities and also donates his time to the St. Jude Children's Research Hospital and The March of Dimes Birth Defects Foundation. Mr. Owens received a B.S. in marketing from the University of Illinois, Chicago, participated in the Economics Advance program at New York University and received an MBA in finance from the University of Chicago.