Karen Longhorn has over 25 years of experience in life and financial underwriting. She has worked as a senior underwriting consultant for Manulife Financial/John Hancock until 2013 and then started her own contracting business, Hummingbird Underwriting Services, providing life underwriting services to large North American insurance companies. She has approval limits of $5 million for individual life insurance to age 85 and $7.5 million for survivorship life insurance to age 85, with unlimited declination authority.