Born on March 4, 1943, in North Conway, NH, he prepared for college at Fryeburg Academy and became a member of Kappa Sigma Fraternity at Bowdoin, which he attended from 1961 to 1963. After working for nine months with the supply division of John Hancock Mutual Life Insurance Company in Boston, he returned to the College for the 1964-65 year and then attended the Defense Language Institution in Monterey, CA, in 1966-67 while serving in the U.S. Army. He attended the Army Security Agency School at Fort Devens in Massachusetts, a Vietnamese Language Interrogation School in Hawaii, and the Naval Security Group Reports Writing course at Pensacola, FL. He was a national product marketing manager with Allstate Life Insurance Company and was also associated with the Metropolitan Life Insurance Company in Northbrook, IL, as director of consulting services and group long- term disability. He was class agent for the Class of 1965 in the Alumni Fund for a number of years. Surviving are his wife, Cynthia Lord of Falmouth, and two sons, Andrew Gray and James Gray.