Insurance Expert. INS-2328 is an independent life and health broker with over 32 years of insurance experience. He has sold individual â€œnon-canâ€ disability insurance for over 32 years with 22 of these years in Southern California. He has a national reputation as a speaker and author with respect to â€œnon-canâ€ disability insurance. He has been involved in issues related to the following: policy interpretation, the standard of care, over-insurance, and medical and financial underwriting. INS-2328s consulting and expert witness opinions and advice apply only to â€œnon-canâ€ individual disability insurance.