Adverse Events Coverage for employees and plan members

Leadership Team


President & Chief Executive Officer

Mr. Schilling obtained undergraduate degrees in Business Administration and Political Science at Southern Methodist University (Dallas, Texas) in 1990 and a Juris Doctorate degree from The University of Tulsa College of Law in 1993. Upon graduating, Mr. Schilling immediately began working as an attorney for one of the largest and most prestigious law firms in Oklahoma, now named Riggs, Abney, Neal, Turpen, Orbison & Lewis. He became one of the youngest shareholders of that firm in 1998 and remained in that position until resigning to start American Medical Risk Company in October, 2004. Throughout his 11 years of legal practice, Mr. Schilling focused on the areas of labor and employment, insurance litigation, subrogation and medical malpractice. His practice involved work for insurance companies, medical providers, and plaintiffs’ medical malpractice. As a result of litigating on both sides of the medical malpractice field, and in between for the insurance industry, Mr. Schilling has a unique perspective of the problems facing these various parties and the primary causes of those problems. It is this unique perspective that gave him the vision for Adverse Events Coverage.


Chief Operations Officer

Mr. Wood is a 27 year veteran in the insurance industry where he has served in a variety of roles. Mr. Wood has held senior positions with the consulting and brokerage firms of Marsh & McLennan and USI. He has over 10 years of experience working with group life and health insurance companies. And finally, Mr. Wood was a partner in a boutique insurance agency that specialized in medical malpractice insurance for physicians.

During the past 15 years, Mr. Wood has concentrated on the risks and challenges facing the health care industry. He has served on a number of boards and committees to address the access and affordability of care in the greater Houston area.


Mr. Bashaw earned a Bachelor's Degree in 1964 from the University of Tulsa. He entered the insurance business following graduation and in 1975, along with co-founder Sheryl Bashaw, founded XCorp to provide life insurance products to closely-held corporations, public corporations and to individuals with large estates. As Managing Director of XCorp, Mr. Bashaw has developed innovative products and services in the life insurance field that are proprietary to XCorp. He has far reaching national contacts with prominent carriers, providers and suppliers in the insurance industry. In January 1989, Mr. Bashaw designed, sold and implemented the first Managed Life plan to a Fortune 1000 company. Since 1990, he and XCorp have focused on specialized employee benefit products for the large corporate market with nationwide marketing and clients located coast to coast. In 2001, Mr. Bashaw designed, sold and implemented a critical illness insurance plan to a Fortune 1000 company, the first of its kind. Mr. Bashaw holds a pending patent on the critical illness insurance plan. Mr. Bashaw is a Chartered Life Underwriter (CLU), a member of the Association of Advanced Life Underwriting (AALU), and one of the original shareholders and founders of M Financial Group. M Financial is a national network of more than 100 independent insurance, investment and executive benefit firms and one of the nation's most influential buying consortiums for insurance products and services. Mr. Bashaw has served on the boards and in various other capacities for prominent national insurance organizations and has testified before Congress on several occasions concerning issues affecting the insurance industry.


Dr. Higgins is a board-certified internist and cardiologist who maintains a successful cardiology practice in Tulsa, Oklahoma. He graduated (summa cum laude) with a B.S. in electrical engineering from South Dakota State University in 1973 and from University of Rochester School of Medicine in 1977 (with highest honors). Dr. Higgins served as Cardiologist, Chief of Electrocardiology, and Director of Research in the U.S. Air Force at Lackland AFB, Texas. He later served or is currently serving as clinical professor at the University of Texas Health Science Center at San Antonio, University of Oklahoma School of Medicine and Tulsa Medical College. He is currently licensed to practice medicine in Oklahoma, Texas, Missouri and California.


Mr. Sullivan is the owner of Sullivan and Company, L.L.C., a fifty-year-old family-owned independent oil and gas exploration and production company operating in several Mid-Continent states. He obtained his BBA from University of Notre Dame in 1967 and an MBA from University of Michigan in 1969. Mr. Sullivan has served or is currently serving on numerous boards of directors for corporate, government and charitable institutions. He was appointed as Secretary of Energy under Republican Governor Frank Keating and continued to serve under current Democratic Governor Brad Henry until October 2003. Mr. Sullivan has served on the Board for St. John Health System for 21 years and is currently Chairman of the Board.