James B. Ross has been named president and chief operating officer of Benico Inc., an insurance subsidiary of Beneficial Corp. Ross was formerly a vice chairman with Cigna Corp.

Mary S. Love has been elected president of the Professional Insurance Agents Association of Virginia and the District of Columbia Inc. Love is a partner in Dodder Mutual Insurance Agency.

Albert G. Carchedi has been appointed executive vice president of Dalley & Associates, insurance brokers.

Alene B. Duerk, Alfred James Whittle Jr. and John A. Steen have been elected to the board of directors of United Services Life Insurance Co. in Washington. Whittle is a retired Navy admiral and Duerk is a retired Navy real admiral. Steen is a retired Air Force lieutenant colonel.

In several related developments, Dale B. Peck has been elected senior vice president and controller with United Services Life. Arthur F. O'Keefe has been elected senior vice president for underwriting. Dr. Nicholas B. Cirillo has been elected vice president and medical director. Ellen M. Schubert has been elected vice president for investments and Cynthia MacDonald has been promoted to second vice president for systems. Michael W. Hewgley and Joseph G. Lively have been promoted to assistant vice president.