Annette E. Flood was appointed Director of the Department of Insurance and Financial Services (DIFS) by Michigan Governor Rick Snyder effective November 1, 2013. Prior to her appointment, Flood served as chief deputy director of DIFS and chief deputy commissioner of the former Office of Financial and Insurance Regulation.
DIFS is the state of Michigan's department responsible for regulating Michigan's financial industries, including banks, credit unions, insurance and mortgage companies. DIFS provides a focal point of consumer protection, enables efficient and effective regulation, and positions the insurance and financial services sector of Michigan's economy for growth. The agency consists of more than 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 serving as chief deputy director, Flood served as 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, Michigan.
Before joining APCapital, Flood served as senior vice president, corporate secretary and legal counsel of ProNational Insurance Company. Flood has also held numerous executive-level and legal positions at MEEMIC Insurance Company, PICOM Insurance Company and Lansing General Hospital.
Flood is a member of the State Bar of Michigan and a registered nurse, and has more than 25 years of experience in the legal, insurance and health care fields. She earned a bachelor's degree in nursing from the University of Michigan and a juris doctor from Wayne State University Law School.