• Actuarial Software Suite (WATERR)
• XXX Reserve Calculations: Direct, Reinsurance and Tax; plus due, deferred and advance premiums.
• X-factor validation performed using Monte Carlo method for annual certification.
• Agent illustration system development and maintenance.
• Comprehensive and modular Needs Analysis.
• Development of the Dynamic Insurance System (DIS)
• Custom Programming

• Product design and pricing
• Policy form drafting
• Illustration Actuary Compliance
• Product Implementation
• Reinsurance retentions, pricing evaluation and negotiation.

• Actuarial Opinions
• Financial Reporting (Statutory, GAAP, and Tax)
• Year End Work (Annual Statements)
• The use of reinsurance as a surplus relief vehicle.
• Cash flow and reserve adequacy testing.
• Claim Reserve Calculation and Analysis - Accident & Health

• Cobra Certifications and Plan Pricetags
• Medicare Part D Subsidy Attestations
• IBNR Claim Liability Determination
• Multi-Year Forecasting and Variance Analysis

Details on Services (PDF) TPA or Employer Consultant?

• Product Pricing - Med Supp, LTC, Critical Illness, Accident Plans, Medicaid
• Regulatory Contracting - Rate reviews, High risk pools, Medicaid programs, Examinations
• Risk Analysis - Reinsurance limits, Impact of plan design changes, Experience studies
• Financial Reporting - Annual Statement, Claim/Additional Contract/Deficiency Reserves

• Evaluate blocks or companies for divestiture or purchase.
• Assist in the mergers of companies to achieve operating efficiency.

• Maximize your performance with Modeling and Asset & Liability Matching.
• Evaluate your Company's experience with studies of Lapse, Mortality, and Expenses. Compare to pricing and peer companies' experience, or use with Illustration Actuary work.
• Expert Witness testimony
• Appraisal of Insurance Companies

• Credit Disability Reserve Calculator
• Policy forms
• Analysis of business
• Reinsurance
• Valuation
• Other bank products, such as group mortgage, term and annuities
• Claim cost development and analysis
• Debt Cancellation Rating System for different benefit options and combinations available for sale, or we can evaluate your pricing structure in-house.
• The Credit Insurance Database (PDF)