John Kerper, FSA, MAAA

Direct:  205-871-1488

Lee Bowron, ACAS, MAAA

Direct:  205-870-0595

John Kerper, FSA, MAAA

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John Kerper’s practice focuses on providing actuarial services to companies which insure and/or administer vehicle service contracts and related products, including “GAP” and other F&I products.


John is considered an industry expert in the field of F&I products and has written several papers on pricing and the analysis of liabilities of these products. He is also a frequent speaker at seminars on these topics.


John has been a Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries since 1987.

Don Manis,  FCAS, MAAA

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Lee Bowron, ACAS, MAAA

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Lee Bowron’s practice focuses on extended warranty, F&I products, personal and commercial lines and environmental reserving.


Lee Bowron has been in the insurance industry since 1990 and has been a consultant since 2001.  Previously, he was the Chief Actuary for The General auto insurance.   He has written articles on GAP insurance, Vehicle Service Contracts and other topics for journals and magazines, including Best’s Review.

Lee is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.

Don Manis’ practice focuses primarily on pricing and reserving analysis for P&C personal lines, especially Personal Auto and Homeowners.


Don has been in the actuarial profession since 1987 and was the Chief P/C Actuary for Alfa Insurance from 1994 through 2019. During his career his professional contributions have included service on several actuarial committees including PCI, American Agricultural Insurance Company, and the Georgia Underwriting Association.


Don is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.

Staff Directory

Chuck Hale, ACAS, MBA                         Actuary                      205-383-1065

Andrew Kerper, ACAS, ASA, MBA       Actuary                      205-453-0859

Nick Tuerk                                               Actuarial Analyst   205-265-1775

Kerper and Bowron LLC

400 Vestavia Parkway, Suite 131

Birmingham, AL 35216                   205-588-4028 (Main)

© 2019 by Kerper and Bowron LLC