State of Michigan
Department of Insurance and Financial Services
Annette (Ann) E. Flood was appointed Director of the Department of Insurance and Financial Services by Michigan Governor Rick Snyder effective November 1, 2013. Ms. Flood has been serving as Chief Deputy Director, since March 18, 2013 and as Chief Deputy Commissioner to the Office of Financial and Insurance Regulation since 2011.
The Department of Insurance and Financial Services (DIFS) is the State of Michigan department responsible for regulating Michigan's financial industries, including banks, credit unions, insurance, and mortgage companies. DIFS provides a focal point of consumer protection, enable efficient and effective regulation, and position the insurance and financial services sector of Michigan’s economy for growth. The agency consists of over 350 professionals dedicated to protecting Michigan consumers by ensuring the companies that it regulates are safe and sound, follow state and federal law, and are entitled to the public confidence.
Prior to her serving as Chief Deputy Commissioner, Ms. Flood served as the executive vice president and chief operating officer of American Physicians Capital, Inc. (APCapital), a publicly traded medical professional liability insurance provider based in East Lansing, MI.
Before joining APCapital, Ms. Flood served as senior vice president, corporate secretary and legal counsel of ProNational Insurance Company. Ms. Flood has also held various executive level and legal positions at MEEMIC Insurance Company, PICOM Insurance Company and Lansing General Hospital.
Ms. Flood, a member of the State Bar of Michigan and a registered nurse, has more than 25 years of experience in the legal, insurance and health care fields.
She received her B.S. in Nursing from the University of Michigan and her Juris Doctorate from Wayne State University.