Halley-Dodson Insurance Advisors is a Limited Liability Company owned by Phil Schulte and Scott Lindstrom. We are an independent brokerage specializing in health, disability, life, long term care and long term income planning. Our goal is to help our clients maximize their insurance benefits and income.
Scott Lindstrom
is a graduate of the University of Pittsburgh with a degree in Mathematics and Economics. He has earned the professional designations of CLU (Certified Life Underwriter) and ChFC (Chartered Financial Consultant). Scott has diverse knowledge of the insurance industry and has worked for the Internal Revenue Service, Equitable-Axa Advisors, C.N.A Insurance, AAA Insurance, and ARMS Insurance Group. Scott holds his Health, Life, and Long Term Care Licenses as well as multiple company certifications.
Phil Schulte
is a graduate of the Indiana University of Pennsylvania with a degree in Finance and Economics. He has been in the business for over 35 years. Phil has worked with his clients throughout the years to ensure they are meeting their desired annual income. Phil holds his Life and Health licenses as well as multiple company certifications. Phil has a diverse clientele that has been built mainly on referrals. The focus is on maximizing monthly income and long range planning.
Our companies name is a tribute to 2 of the pioneers of the life and health insurance industry, Edmond Halley and James Dodson.
Edmond Halley – A brilliant mathematician, physicist, and astronomer is best known for observing and predicting the return of the comet which is now known as Halley’s Comet. Halley is also credited with developing the first mortality table in 1693 using statistics on life spans. The ground breaking discovery set the stage for widespread use of these tables for future generations. Mortality tables are used throughout insurance and finance, setting premium rates, determining pension payouts, calculating IRA minimum distributions, and many other applications.
James Dodson – In 1756 Dodson expanded Halley’s work on mortality tables and developed the concept of life insurance with premiums based on age and the time value of money. His landmark work “First Lecture on Insurances” set the stage for the actuarial basis of life and health insurance. Ironically, Dodson was denied admission (declined for life insurance) to the Amicable Life Assurance Society due to his age, (the society did not accept anyone over 45). As a result, Dodson decided to form a new society that would be more equitable. In 1762, the Equitable Life Assurance Society was founded to put Dodson’s actuarial principles into practice.