Dr. Ramani Ayer has had an outstanding career in the field of insurance and financial management.nnDr. Ayer joined The Hartford, one of the oldest and largest international insurance and financial enterprises in USA, in 1973 and rose up through the rank in the organisation. He was elected Assistant Secretary and Staff Assistant to the Chairman and Chief Executive of The Hartford in 1979 and in 1983 he was named Vice President of HartRe, The Hartford’s reinsurance subsidiary. In 1986, Dr. Ayer was named President of Hartford Speciality Company. He was elected a Senior Vice President of The Hartford in 1989, and Executive Vice President in 1990.n