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DIFS Biographies


Annette Flood Director Annette Flood

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.


Teri MoranteChief Deputy Director Teri Morante

Teri Morante serves as DIFS’ Chief Deputy Director. Ms. Morante oversees the department’s Office of Consumer Services, serves as the liaison with the Michigan Legislature, and is responsible for the Department’s economic development efforts. Ms. Morante had been serving as Senior Deputy Commissioner to the Office of Financial and Insurance Regulation.

Ms. Morante previously served as the assistant vice president for regulatory and government affairs at Citizens Insurance Company in Howell, MI.

Before joining Citizens, Ms. Morante served in a variety of positions at the State of Michigan’s Insurance Bureau, including acting deputy commissioner for policy and legislation.

Ms. Morante has more than 30 years of experience in the insurance and legislative fields and has an extensive background in drafting legislation and testifying before the legislature. She has also served on a number of insurance industry boards and associations and co-authored several editions of the "Legislators Guide to Michigan’s Insurance Issues."

She received her B.S. from Western Michigan University.


Rhonda FossittSenior Deputy Director Rhonda Fossitt

Rhonda Fossitt serves as DIFS’ Senior Deputy Director, overseeing the Office of Rates and Forms, the Office of Consumer Finance, and the Office of Insurance Licensing and Market Conduct.

Ms. Fossitt has experience in health care reform, insurance management, regulation and compliance, and commercial and professional liability underwriting.  Her experience in the insurance industry includes management and underwriting positions at American Physicians Assurance Corporation, ProAssurance Insurance Company and Citizens Insurance Company of America.

She holds a B.A. in Business Administration and Marketing from Michigan State University. She holds the Chartered Property and Casualty Underwriter (CPCU) and Registered Professional Liability Underwriter (RPLU) designations.


Judy WeaverSenior Deputy Director Judy Weaver

Judy Weaver serves as DIFS’ Senior Deputy Director with responsibilities for the Office of Insurance Evaluation as well as overseeing the Office of Banking and the Office of Credit Unions.

Ms. Weaver started her career nearly 30 years ago as a field examiner examining insurance companies, and has worked in financial analysis, examination, and receivership of insurers as well as market regulation of managed care entities during her career at DIFS. 

She received her B.A. from Eastern Michigan University and also holds her certified financial examiner designation. She currently represents Michigan as chair of several working groups and a member of many other working groups and task forces at the National Association of Insurance Commissioners (NAIC).  Her work with these groups benefits both Michigan consumers and the insurance industry.