U.S. Advisors, Inc.

Our Purpose

Industry Experience

A Unique Perspective

Dedicated to Service

Lasting Relationships

Our Biographies

Terry Chesser, ARM
Principal
783 Old Hickory Boulevard
Suite 310 - West
Brentwood, TN 37027
(615) 263-5901 (Direct)
(615) 807-4880 (Fax)
tchesser@advisorsus.com

Mr. Chesser has dedicated his time to the Reinsurance and Insurance industry since 1973. As a business owner and Risk Management/Insurance Major, he understands the importance of sound financial and coverage advice. He has arranged many alternative risk programs for his clients and has impacted their programs and budget favorably.

Terry’s career began in 1973 with a $2 billion multi-national company that owned a captive insurance company and agency. Since 1984 his effort has been dedicated to the Managed Care Industry and with involvement in AMCRA, GHAA, HFMA, AAHP and now AHIP. As a principal of U.S. Advisors, Inc. he is responsible for directing resources to clients, managing reinsurer relationships and is closely involved with clients in the development of insurance/reinsurance programs nationally including professional liability. His experience has benefited many Health Care, Managed Care firms and national associations in designing comprehensive programs, including captive formation and implementing creative approaches to meet both financial and management objectives.

Mr. Chesser’s thirty five (35) years of experience includes ownership of numerous firms, management of large accounts, development of coverage for national managed care associations, design and placement of reinsurance programs, medical malpractice, E&O, D&O and national Health Care division work. As an executive of his own firm and with large national brokerage firms, he understands the financial, operational, medical and management objectives of a business and their importance to a proactive reinsurance program. His unique perspective, timeliness and accurate advice have contributed to many managed care firm’s ability to achieve greater profits and to make better decisions.

He has given many informative speeches to industry groups, including the Managed Care Law Conference, AHIP, Medicaid Health Plans of America and state HMO Associations regarding creative strategies to improve, control and manage their Insurance and Reinsurance programs. Additionally, he has hosted Managed Care Conferences for clients and has been involved in bringing unique and integrated solutions to Managed Care organizations nationally.

He is a graduate of the University of Florida with a B.S.B.A degree in Risk Management and Insurance. He also holds the professional designation of Associate in Risk Management.

Mr. Chesser is a principal and founder of U.S. Advisors.

Richard Polay
Principal
111 Second Avenue NE
Suite 906
St. Petersburg, FL 33701
(727) 823-4577 (Direct)
(727) 823-4666 (Fax)
rpolay@advisorsus.com

Richard Polay graduated from the Wharton School at the University of Pennsylvania, with a B.S. Degree in Accounting.

After obtaining insurance licenses in property, casualty, life, health and surplus lines, Richard was employed for many years by Lykes Insurance of Tampa, Florida as a major account producer. In that capacity, he developed insurance programs for some of the largest public and private Florida based companies.

In 1991, Richard became involved in Reinsurance and Insurance for the Managed Health Care Industry. He discovered the needs of HMO’s, as well as capitated providers, for an alternative source of stop loss reinsurance/insurance and responded by contributing to the design and implementation of custom designed programs to fill those needs.

Richard became a principal of LSP Insurance Services (a managing general underwriting company) in 1994. He developed Stop Loss Reinsurance Programs for HMOs as well as Provider Excess Insurance Programs for hospitals and physician groups who were accepting capitation from HMOs.

As a principal of U.S. Advisors Inc., he is responsible for directing resources to clients, managing reinsurer relationships and is closely involved with clients in the development of Insurance and Reinsurance programs nationally. His experience has benefited many Health Care, Managed Care firms and national associations in designing comprehensive programs and implementing creative approaches to meet both financial and management objectives.

In 2001, Richard became a founding Principal of U.S. Advisors.