System implementation: We have consulting expertise in a wide variety of life & annuity insurance product lines. Our consultants can assist with all aspects of product line management ranging from competitive analysis and rate manual development to product administration and ongoing management.
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Our life and annuity insurance practice area provides a full range of valuation functions, including appointed actuary services, and our life insurance actuaries offer illustration actuary certifications.
We conduct actuarial audits on statutory and US GAAP accounting standard bases, independent actuarial reviews, and state examination services. Our consultants have decades of combined experience working with life and annuity products and are well versed in insurance regulations, demographics, and trends that impact pricing and valuation.
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Supplemental Health: We specialise in developing and managing various products in the supplemental health insurance markets, including product design, pricing and filing, experience reporting, financial reporting, and reserve certification.
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Our experts have worked with existing carriers, reinsurers, and top agencies in the market, and their areas of expertise include:
- Critical Illness
- Hospital Indemnity
- Accident
- Disability Income
- Short-Term Care
- Innovating Products
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Senior Market: Our experienced consultants can advise you on all actuarial and operational aspects of managing senior market product lines. We provide practical advice and guidance to help companies enter or expand their presence in the senior market and develop effective solutions for the profitability of existing business blocks.
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We can stay up to date with current market trends and emerging insurance regulations, and we frequently participate a speakers, organisers, exhibitors, and sponsors of industry meetings. Our team specialises in:
- Medicare Supplement
- Long-Term Care
- Combination Products
- Final Expense Whole Life
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Major Medical Health Care: We provide actuarial services to commercial insurers, self-insureds, MGU’s, medical sharing ministries, and captive insurance companies.
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Our consulting work focuses on:
- Product design
- Rate development
- Unpaid liability calculations
- Captive feasibility studies
- M&A due diligence
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