Annette 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, Director Flood served as Chief Deputy Director of DIFS and Chief Deputy Commissioner in the former Office of Financial and Insurance Regulation.
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, enables efficient and effective regulation, and positions 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 Director, Director 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, Director Flood served as senior vice president, corporate secretary and legal counsel of ProNational Insurance Company. Director Flood has also held numerous executive level and legal positions at MEEMIC Insurance Company, PICOM Insurance Company and Lansing General Hospital.
Director 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 received her B.S. in Nursing from the University of Michigan and her Juris Doctorate from Wayne State University Law School.