Pilar González de Frutos (Navares de Ayuso, Segovia 1956). A graduate in Law from the Universidad Autónoma de Madrid (UAM), her connections with the insurance industry began in 1980, when she started working as a civil servant insurance inspector.

Her entire professional career has been in the area of insurance. Among other positions, she has been director of operations for the Insurance Compensation Consortium (1988-1997), director general of the Spanish supervisor of insurers and Pension Funds (1997-2002) and is currently chair of UNESPA. She has also been chair of FIDES (the Inter-American Federation of Insurers) from 2015 to 2017.

María Aránzazu (Mirenchu) del Valle Schaan (Madrid, 1963) has been secretary general of UNESPA since 1996. She holds a degree in Law from the Universidad Complutense de Madrid (UCM) and a master’s in Community Law from the Institute d’Études Européennes at the Université Libre de Bruxelles (Brussels. Belgium).

Her professional career began at the General Directorate of Territorial Policy of the European Commission of the former European Economic Community (EEC), now the European Union. After passing through EU institutions she joined the Spanish Association of Insurers as director of international relations in 1988. She was appointed general secretary of UNESPA in 1996 -a position she still holds and which she combines with responsibilities at various Spanish and multinational institutions. She has been chair of the Insurance and Reinsurance Stakeholders Groups (IRSG) of the European Insurance and Occupational Pensions Authority (EIOPA) between 2016 and 2018.

Manuel Mascaraque Montagut (Madrid. 1961) has been director of UNESPA’s General Insurance Area since 2004. He is responsible for coordinating the committees overseeing different types of general insurance (motor, multi-risk, liability and transport, and reinsurance).

He holds a degree in Economics and Business Administration, is an insurance actuary, has a master’s in Business Administration (MBA) from the Instituto de Empresa, and also holds two other postgraduate degrees in insurance. Almost all his entire professional career has been linked to the sector. Between 1999 and 2004, he held management positions in several insurance companies.

Luis Miguel Ávalos Muñoz (Madrid, 1960) has been head of UNESPA’s Personal Insurance and Taxation Area since 1999. He is responsible for coordinating the committees for insurance lines of business that relate to the protection of persons (life, health and funeral expenses), as well as the taxation committee.

After graduating in Law from Complutense University of Madrid in 1982, Ávalos completed his education with other legislative and business-related degrees. He holds a diploma in Tax Law (1987) and a master’s in Business Advice (1988). He was technical secretary and later director of the Spanish Confederation of Mutualities (CNEPS) between 1984 and 1999.