Meet Our Team

Philip G. Walker joined AAA Life Insurance Company in July 2022 as President and Chief Executive Officer. Prior to joining the company, Philip served as CEO of iptiQ Americas from 2016-22.

Throughout his career, Philip has established a long track record in delivering financial products and services through a wide variety of channels. As an entrepreneur, he co-founded Envera Health and Heritage Union Life where he was Chairman and CEO. From 2012 to 2015 he served as Managing Director at Paradigm Partners International in California, an M&A and strategic consulting firm for insurers, insurance distributors and private equity companies.

As a consultant, he has advised private equity groups, insurance carriers and health intermediaries in the areas of culture, valuation, strategic planning and market assessment. He was also previously an Operating Partner at Clearpoint Capital Partners.

Philip holds a BA in Finance from Bishop's University in Quebec, and an SEP from the Stanford University Graduate School of Business.

Michael Vellat joined AAA Life Insurance Company as Chief Operating Officer in April 2024. With a rich background that spans both L&H and P&C insurance, strategy, and enterprise transformation, Michael is responsible for setting the long-term direction for our Operations teams, ensuring efficient and effective execution of business processes.

Prior to AAA Life, Michael served as Chief Growth Officer at Companjon, Europe’s leading B2B2C embedded insurance provider. Before that, he held senior roles at Swiss Re, Ernst & Young, and Munich Re. With nearly 15 years of experience, Michael has a proven track record of commercial success across the fields of (re)insurance and technology.

Michael holds a Master of Philosophy in bioscience enterprise from the University of Cambridge, a Master of Science in information systems and management from the Warwick Business School, and an M.A. in business studies from the University of Edinburgh Business School. In his free time, Michael enjoys spending time with his wife, Anna, and their son, as well as engaging in all kinds of outdoor sports (especially skiing).

Betty Schick joined AAA Life Insurance Company as Chief Marketing Officer in November 2013. She has over 30 years of marketing leadership experience in the financial services industry, serving in business- and consumer-facing roles. Prior to AAA Life, Betty led marketing efforts as Senior Vice President & Chief Marketing Officer at The Auto Club Group from 2004-13 and held a variety of leadership positions during her 14-year tenure at Discover Financial Services.

Betty is responsible for AAA Life’s Brand & Integrated Marketing, Corporate Communications and Customer Experience teams, with oversight of portfolio engagement, user experience, customer-based insights and competitive analysis. She also serves as a Senior Marketing liaison with AAA club marketing and sales leaders to enhance awareness of the life business in the AAA ecosystem.

Betty graduated from the University of Illinois with a degree in marketing.

Matt Scully joined AAA Life Insurance Company in 1996 and currently serves as Senior Vice President, Chief Information Officer. In his role, Scully oversees the Information Technology and Data Security departments.

Matt has over 25 years’ experience in the life insurance industry. He has a diverse background. As an Associate of the Society of Actuaries, he has experience with products, operations and financial management. He was a software developer and project leader with technical experience and leadership. Matt was the Director of Direct Marketing, overseeing sales and operations and started the Digital Marketing team at AAA Life. He is now leading a great team in IT, with responsibility for technology, roadmaps, architecture, development, project delivery, infrastructure, operations and security.

Matt graduated from Eastern Michigan University with a degree in mathematics and holds multiple designations such as Associate of the Society of Actuaries and Project Management Professional, Project Management Institute.

Ric Surowiec joined AAA Life Insurance Company as Senior Vice President, Head of Distribution, in December 2022. Prior to arriving at AAA Life, Ric spent more than seven years as senior vice president, head of Transactional Markets at AIG. He was responsible for working with the product teams to price and develop products, build sales, and cultivate distribution partners and channels in new markets. Ric developed a fully accretive independent and captive agent distribution channel of 90,000 producers, driving sales from $0 to $75 million of annual premium in six years.

Prior to that, he served as vice president of marketing & strategy for the Direct Marketing & Sales Division at Mutual of Omaha. There, Ric was responsible for life and supplemental health product sales of $1 billion in renewal premiums, $200 million in first-year premiums, and a direct response advertising budget of over $170 million.

Ric graduated from Northern Illinois University with a degree in finance, and received his MBA from Illinois Benedictine University.

JJ Carroll joined AAA Life Insurance Company in January 2020 and currently serves as Vice President, Product Development and Innovation. With over 20 years of experience in the industry, JJ is responsible for developing and implementing AAA Life’s product and innovation strategy. She helps create the company’s innovation roadmap to support member penetration and profitable growth, and provides strategic direction on member-focused product design.

Prior to joining AAA Life, JJ was the Senior Vice President of Swiss Re’s New Solutions Group, an innovation team dedicated to developing underwriting and customer experience solutions in life insurance.

JJ graduated from the University of Michigan with a degree in mathematics and holds a master’s degree in mathematics from the University of Illinois.

Kristy Person joined AAA Life Insurance Company in November 2001 and currently serves as Vice President, Chief Audit and Risk Officer. She is primarily responsible for driving performance and growth by delivering timely insights on emerging risks, opportunities, operational best practices and control assurance. Prior to joining AAA Life, Kristy enjoyed a ten-year internal audit career in the banking industry, along with two years in the public accounting industry.

Kristy leads the Internal Audit function in performing audit projects in a non-traditional way through agile internal audit practices and data analytics, resulting in focused, risk-based testing procedures and insightful, value-add results for management. She is also responsible for the leadership and facilitation of the company’s Model Audit Rule compliance program.

Kristy graduated from Central Michigan University with a degree in business administration.

Tyffani joined the AAA Life Insurance Company in September 2019 and currently serves as Vice President, Human Resources, People & Culture. In this role, Tyffani is responsible for overseeing all aspects of human resources which includes the development, design, and execution of HR services and programs for talent management, learning and development, compensation and benefits, and diversity and inclusion.

Prior to joining AAA Life Insurance Company, Tyffani spent 20 years at Ford Motor Company in various human resources leadership roles, partnering with the corporate staff, manufacturing, and finance organizations.

Tyffani has a Bachelor of Science degree in Accounting from Hampton University, a Masters of Business Administration (MBA) from Howard University, and a Juris Doctor degree from University of the District of Columbia David A. Clarke School of Law.

Jason Edgeworth joined AAA Life Insurance Company in September 2014, and currently serves as Vice President, New Business Operations. He is responsible for application processing and underwriting for all Agent Sold, Direct Mail, and online applications. Prior to his current role, Jason worked primarily in Information Technology, overseeing infrastructure, development and customer support.

Previously, Jason was Senior Director, Data Collection and System Support at Market Strategies International (MSI), guiding the company through mergers and acquisitions and directing the development of a new sales recognition process. He relocated from Canada in 2008 in order to play a more active role in assessing IT capabilities in mergers and acquisitions.

Jason graduated from the University of Guelph with a degree in computer science.

Sally Murphy joined AAA Life Insurance Company as Vice President, General Counsel & Corporate Secretary in May 2023. With over 25 years of experience counseling insurance companies, she counsels the President & CEO, senior management and the Board of Directors on legal implications of company activities, and keeps all parties abreast of legislative and administrative regulatory development and issues. Sally is also responsible for compliance strategy, structure and processes.

Prior to AAA Life, Sally held leadership positions at MassMutual, AIG, USAble Life, Royal Neighbors of America and USAA Life Insurance Company. She specialized in corporate governance, compliance, product development, advertising, anti-money laundering and fraud, and was also responsible for the management of legal and regulatory risk.

Sally earned her J.D. from Western New England University School of Law and graduated Cum Laude from the University of Massachusetts Amherst with a degree in Elementary Education. She also served six years in the Massachusetts Air National Guard.

John Steber joined AAA Life Insurance Company as Vice President, Direct Marketing, in August 2023. An industry veteran of over 20 years, John has deep experience creating world-class product, marketing and CX strategies to engage customers and drive growth. John is responsible for AAA Life’s direct marketing efforts, focusing on delivering high quality and relevant insurance offers to AAA members through a variety of marketing channels including direct mail and digital.

John joined AAA Life from Voya Financial, where he served as Vice President of Customer Solutions since 2016. Prior to Voya, he held senior level marketing roles at Cigna, AXA, and The Hartford.

John graduated with honors from Wake Forest University where he earned his MBA in Marketing & Quantitative Analysis. He also graduated Magna Cum Laude from Kutztown University with an undergraduate degree in Marketing.

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Meet Our Team

Get to know AAA Life's executive leadership team.

Meet Our Team

Get to know AAA Life's executive leadership team.