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Meet the Team - Consumers Life Insurance Company®

  • Rick Chiricosta

    President, Life Group for Consumers Life Insurance Company

    Mr. Chiricosta is responsible for the day-to-day operations of Medical Mutual’s re-entry into the life insurance business.

    For a full executive biography, click here.




  • Ray Mueller

    Ray MuellerDirector of Insurance Operations, Life Group

    Mr. Mueller is responsible for the Policy Administration, Claims and Customer Service functions of Consumers Life.

    Ray earned both his bachelor’s degree in Business Administration, Finance, and his Master of Business Administration from the University of Toledo. He became a Certified Public Accountant in 1991.

    A member of both the American Institute of CPAs and the Ohio Society of CPAs, Ray has also earned a FLMI (Fellow, Life Management Institute) designation.

  • Chuck Braschwitz

    Chuck BraschwitzNational Sales Director, Life Group

    Mr. Braschwitz has nationwide responsibility for introducing all ancillary products to Medical Mutual representatives and brokers in Ohio, as well as Business Distribution Services representatives and brokers in other states.

    Mr. Braschwitz has been with Medical Mutual for 26 years and during that time has served in many sales and marketing leadership roles.

  • Bob Stevenson

    Bob StevensonDirector of Underwriting Development, Life Group

    Mr. Stevenson is responsible for product development, pricing, development and maintenance of underwriting regulations, and for reinsurance and underwriting of non Ohio business. Bob has more than 20 years of experiences and possesses an FLMI designation. He earned his Master of Business Administration from Central Michigan University.

  • Mary Crivello

    Mary CrivelloDirector of Underwriting Operations, Life Group

    Ms. Crivello is responsible for the development and maintenance of proposal, renewal, and underwriting for Ohio business. Mary has more than 30 years of experience in group life, short and long term disability underwriting.



  • Lori Gallagher

    Lori GallagherManager of Policy Administration, Life Group

    Ms. Gallagher is responsible for new business processing, issuance of policies and certificates and coordination of enrollment and billing with Medical Mutual. Lori has more than 10 years of experience within the Medical Mutual family of companies.


  • Shari Waple

    Shari WapleManager of Claims and Customer Service, Life Group

    Ms. Waple is responsible for the development and implementation of all aspects of the claims and customer service functions for the life and disability products. Shari has more than 25 years of experience in the insurance industry.



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    Medical Mutual now offers Life Insurance through Consumers Life Insurance Company.

    • Group Term Life
    • Accidental Death & Dismemberment
    • Short Term Disability

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