Gene Pauli received his B.A. in Zoology from the University of Montana in 1978 and a M.S. in Exercise Science from the University of Arizona in 1988. Since that time, he has been a Clinical Exercise Physiologist working in multidisciplinary fields of cardio, pulmonary, physical and neurological exercise prescription. He established Exercise Health Services of Montana in 1996 for the purpose of developing individualized exercise prescriptions for medically complicated exercise clients. Pauli was first licensed as an insurance producer in the State of Montana in 1995. Over the ensuing years he has worked to address the seperation between the health and fitness industry with the indemnification issues of contemporary insurance programs. The Wellborn Plan is the foundation for providing medical insurance that originates within a health club population for ensuring good health and cost containment coverage.