Joined Penn Mutual in 2014; 30+ years of industry leadership experience

Gretchen Dinucci oversees underwriting philosophy, operations, strategy, and governance as well as the risk selection for ACE, the industry-leading automated underwriting program. She provides enterprise and leadership across underwriting and medical disciplines, with a focus on consistent risk management that supports profitable growth and exceptional client outcomes. She holds the AALU designation, is a past President of the IRUA, and remains actively engaged in several professional organizations. Her leadership priorities include developing a high-performing, forward-thinking underwriting and medical team and partnering with financial professionals to deliver outstanding client experiences. She enjoys spending time with her husband Bob, golfing, skiing, and traveling to visit her sons, Tyler and John, and daughter-in-law, Bernadette.

Joined Penn Mutual in 2025; 20+ years of industry experience

Bryan Martin holds multiple professional designations, including FALU, FLMI, ARA, ACS, AIAA, and AIRC. Bryan specializes in large-case underwriting, mentoring, and leading initiatives to enhance departmental efficiency and performance. Bryan enjoys spending time with his wife, Rebecca, and their daughters, Katelyn and Leah. Outside of work, he is passionate about traveling, soccer, and attending live music events.

Joined Penn Mutual in 2021; 28+ years of industry experience

Chris Feldges brings deep technical expertise and a commitment to excellence in underwriting and service standards. He holds multiple designations, including FALU and FLMI, and has a Master’s in Business Administration (MBA). Throughout his career, he has led initiatives to enhance underwriting efficiency, managed and mentored emerging talent, and contributed to industry best practices. Chris enjoys spending time with his wife Jennifer, their daughters, Emerson and Rowan, and their dog, Nala. He is an avid hunter and huge Nebraska Cornhusker fan.

Joined Penn Mutual in 2021; 25+ years of iindustry experience

Jack Nance holds multiple designations, including FLMI, ACS, and AAIA, and finds great satisfaction in building strong relationships with internal and external stakeholders and leading a team of underwriters to deliver exceptional results. Jack enjoys spending time with his wife, Rachel. Outside of work, he spends time with family and friends and cheers for the Washington Commanders.

Joined Penn Mutual in 2025; 29 years of industry experience

Rita Freda holds the Certified FALU, FLMI, AIAA, AIRC, ARA, and ACS designations and is actively pursing the CLU designation through The American College. Rita brings expertise in complex case underwriting, risk analysis, and product knowledge. She is passionate about being a lifelong learner and having opportunities to mentor others in the industry. Rita has been married to her husband, Steven, for 32 years and has too many pets to name. Her greatest joys are her daughters, Kristen and Lauren, and she enjoys traveling (especially to New York) to see a Broadway show or concert.

Joined Penn Mutual in 2021; 25+ years of iindustry experience

Jack Nance holds multiple designations, including FLMI, ACS, and AAIA, and finds great satisfaction in building strong relationships with internal and external stakeholders and leading a team of underwriters to deliver exceptional results. Jack enjoys spending time with his wife, Rachel. Outside of work, he spends time with family and friends and cheers for the Washington Commanders.

Joined Penn Mutual in 2014; 30+ years of industry leadership experience

Gretchen Dinucci oversees underwriting philosophy, operations, strategy, and governance as well as the risk selection for ACE, the industry-leading automated underwriting program. She provides enterprise and leadership across underwriting and medical disciplines, with a focus on consistent risk management that supports profitable growth and exceptional client outcomes. She holds the AALU designation, is a past President of the IRUA, and remains actively engaged in several professional organizations. Her leadership priorities include developing a high-performing, forward-thinking underwriting and medical team and partnering with financial professionals to deliver outstanding client experiences. She enjoys spending time with her husband Bob, golfing, skiing, and traveling to visit her sons, Tyler and John, and daughter-in-law, Bernadette.

Joined Penn Mutual in 2017; 30+ years of industry experience

Selina Ryan plays an active role in mentoring newly hired underwriters, guiding them through underwriting systems and sharing insights on various guidelines and philosophies. Selina enjoys spending time with her husband, Mike, and their cat, Henry. Outside of work, she enjoys baking, gardening, and spending quality time with family and friends.