Randall M. Costello, CMA, CPA is President of the Iowa Insurance Seminar which provides training to the majority of insurance companies, agencies, credit unions, and banks in Iowa. In addition, he taught Insurance Company Operations as an adjunct professor in the Finance Department at the University of Northern Iowa for several years. Since 1986, he has written and taught insurance pre-license, continuing education, and securities courses. These include Life, Accident/Health, Personal Lines, Commercial Lines, Credit Life and Disability, Crop Hail, Series 6, Series 63 as well as various continuing education topics.