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OUR SERVICES

Product Development

  • Product design and pricing

  • Policy form drafting

  • Illustration Actuary Compliance

  • Product Implementation

  • Reinsurance retentions, pricing evaluation and negotiation.

Financial Reporting

  • 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

Group Health Actuarial Services

  • Product Pricing - Disability, Cancer, Critical Illness, Hospital Indemnity, and Medical Gap Plans

  • IBNR Claim Liability Determination

  • Multi-Year Forecasting and Variance Analysis

  • Funding Levels for Self-funding plans

  • Financial Reporting - Annual Statement, Claim/Additional Contract/Deficiency Reserves

Individual Health Consulting

  • Product Pricing - Disability, Cancer, Critical Illness, Hospital Indemnity, and Medical Gap Plans

  • 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

Mergers and Acquisitions

  • Evaluate blocks or companies for divestiture or purchase.

  • Assist in the mergers of companies to achieve operating efficiency.

Credit Insurance  And Debt Cancellation

  • Policy forms

  • Analysis of business

  • Reinsurance

  • Valuation

  • Other bank products, such as group mortgage, term and annuities

  • Claim cost development and analysis

  • The Credit Insurance Database

ADVIsORY Services

  • Examination Advisory Services.

  • Rating Agency Advisory Services.

Other Services

  • 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

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