Product Lines

Davies specializes in developing various products in the Senior, Supplemental Health, and Life Insurance markets. Our expertise ranges from product design, pricing, and filing to experience reporting, financial reporting, and reserve certification. 

Life & Annuity

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. 

Supplemental Health

We specialize 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. 

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 

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.  

We stay up to date with current market trends and emerging insurance regulations, and we frequently participate as speakers, organizers, exhibitors, and sponsors of industry meetings. Our team specializes in: 

• Medicare Supplement 

• Long-Term Care 

• Combination Products 

• Final Expense Whole Life 

Major Medical Health Care

We provide actuarial due diligence consulting services to health insurance carriers, physician practices, hospitals, management service organizations, and any other entity that has health care actuarial liabilities. Our advisory work focuses on: 

• Valuation of claim and policy liabilities for the targeted entity “Quality of Earnings” adjustments. 

• Reviewing prospective pricing or capitation rates.