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Mr. Williams oversees all business operations, management, and growth strategies at Combined Insurance. He joined Combined in 2021 from Aflac, Inc., where he was a core member of its global executive management team and most recently served as President of Aflac Group Benefits. Prior to joining Aflac, Mr. Williams held a series of leadership positions, including at Unum U.S., Colonial Life, and Aetna. An actuary by training, he is a Fellow of the Society of Actuaries (FSA) and a Member of the American Academy of Actuaries (MAAA). Mr. Williams is a graduate of Wofford College in South Carolina. He earned a Master of Arts degree in Mathematics from Wake Forest University and a Ph.D. in Mathematics from the University of South Carolina.