{"id":29386,"date":"2024-12-10T10:05:56","date_gmt":"2024-12-10T15:05:56","guid":{"rendered":"https:\/\/davies-group.com\/northamerica\/?post_type=insurance-services&#038;p=29386"},"modified":"2024-12-10T12:33:37","modified_gmt":"2024-12-10T17:33:37","slug":"lh-actuarial-pricing-product-development-compliance","status":"publish","type":"insurance-services","link":"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-pricing-product-development-compliance\/","title":{"rendered":"L&amp;H Actuarial Pricing, Product Development &amp; Compliance"},"content":{"rendered":"\n<div class=\"wp-block solutions\">\n\n    \n<span class=\"hero-bg\">\n    <section class=\"solutions-hero-section\"   >\n\n        <div class=\"hero-content\">\n            <h1>Pricing, Product Development &#038; Compliance<\/h1>\n            <h2>Insurance product development, regulatory compliance, country-wide filings &#038; more <\/h2>\n            <h3><\/h3>\n\n                            <button type=\"button\" class=\"seablue-button button\"\n                        data-toggle=\"modal\" data-target=\"#freeconsultation\">Get in touch                <\/button>\n            \n        <\/div>\n                                <style>\n                .mask1 {\n                    -webkit-mask-image: url('https:\/\/davies-group.com\/northamerica\/wp-content\/themes\/daviesgroup-na\/assets\/solution-header-mask.svg');\n                    mask-image: url('https:\/\/davies-group.com\/northamerica\/wp-content\/themes\/daviesgroup-na\/assets\/solution-header-mask.svg');\n                    -webkit-mask-repeat: no-repeat;\n                    mask-repeat: no-repeat;\n                    mask-size: cover;\n                }\n            <\/style>\n\n            <div class=\"mask1\">\n                <img decoding=\"async\" src=\"https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2024\/09\/shutterstock_763046476-scaled.jpg\" alt=\"\" >\n            <\/div>\n            <\/section>\n<\/span>\n\n    <!-- Hero Form Modal -->\n    <div class=\"modal fade\" id=\"freeconsultation\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"freeconsultation\" aria-hidden=\"true\">\n        <div class=\"modal-dialog modal-dialog-centered\" role=\"document\">\n            <div class=\"modal-content mt-2 rounded-lg\">\n                <div class=\"modal-header\">\n                    <h5 class=\"modal-title\">Life &#038; Health Actuarial <\/h5>\n                    <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                        <span aria-hidden=\"true\">&times;<\/span>\n                    <\/button>\n                <\/div>\n                <div class=\"modal-body\">\n                                        Please complete the form below to connect with a team member                    \n<div class=\"wpcf7 no-js\" id=\"wpcf7-f20432-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"20432\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/northamerica\/wp-json\/wp\/v2\/insurance-services\/29386#wpcf7-f20432-o1\" method=\"post\" class=\"wpcf7-form init\" id=\"contactus-LifeHealthActuarial\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"20432\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.1\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f20432-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"Ben.Cohen@us.davies-group.com\" type=\"hidden\" name=\"destination-email\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"contactus-Life&amp;HealthActuarial\" type=\"hidden\" name=\"html_id\" \/>\n\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"full-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Full Name\" value=\"\" type=\"text\" name=\"full-name\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-company\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company\" value=\"\" type=\"text\" name=\"your-company\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-telephone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" aria-invalid=\"false\" placeholder=\"Phone\" value=\"\" type=\"tel\" name=\"your-telephone\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-position\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Job Title\" value=\"\" type=\"text\" name=\"your-position\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Message\" name=\"your-message\"><\/textarea><\/span>  <\/label>\n\n<div class=\"form-selection\">\n  <p>What would you like to discuss with us?<\/p>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"service_choices_solutions\"><span class=\"wpcf7-form-control wpcf7-checkbox wpcf7-validates-as-required\"><span class=\"wpcf7-list-item first\"><input type=\"checkbox\" name=\"service_choices_solutions[]\" value=\"Life &amp; Health Actuarial\" \/><span class=\"wpcf7-list-item-label\">Life &amp; Health Actuarial<\/span><\/span><span class=\"wpcf7-list-item last\"><input type=\"checkbox\" name=\"service_choices_solutions[]\" value=\"Other\" \/><span class=\"wpcf7-list-item-label\">Other<\/span><\/span><\/span><\/span>\n  \n<\/div>\n<span id=\"wpcf7-69d6d47914e85-wrapper\" class=\"wpcf7-form-control-wrap website-329-wrap\" ><input type=\"hidden\" name=\"website-329-time-start\" value=\"1775686777\"><input type=\"hidden\" name=\"website-329-time-check\" value=\"4\"><label for=\"wpcf7-69d6d47914e85-field\" class=\"hp-message\">Please leave this field empty.<\/label><input id=\"wpcf7-69d6d47914e85-field\"  placeholder=\"Add comment\"  class=\"wpcf7-form-control wpcf7-text\" type=\"text\" name=\"website-329\" value=\"\" size=\"40\" tabindex=\"-1\" autocomplete=\"off\" \/><\/span>\n<div class=\"button-left\"><button type=\"submit\" class=\"salmon-button has-spinner\" id=\"submitbutton\">Submit<\/button><\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n                <\/div>\n                <div class=\"modal-footer\">\n                    <button type=\"button\" class=\"seablue-button button\" data-dismiss=\"modal\">Close<\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div><!-- end of Hero Form modal -->\n\n        <section class=\"solutions-module-one\">\n        \n                <div class=\"module-one-sub-heading\">Products That Meet Your Needs <\/div>\n        <div class=\"text-columns-section\">\n                                    \n                    <div class=\"module-one-text-left\"><p><span data-contrast=\"auto\">We&#8217;re experts in state actuarial memorandums and supporting documentation required to approve your product. We help clients obtain reinsurance, third-party administration, and sales distribution opportunities.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Our pricing and product development team can provide services for many product lines, including individual and group products for life and annuity and accident and health.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<\/div>\n\n                                            \n                    <div class=\"column\">\n                   <h4 aria-level=\"3\"><span data-contrast=\"none\">How We Help Clients<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h4>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"30\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Assumption Development (Morbidity, Mortality, Lapses)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"30\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Application &amp; Underwriting Guidelines<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"30\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Premium Rate Development (Including Rating Tools)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"30\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Group Experience Rating<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"30\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Statutory &amp; GAAP Profit Projections (Including Tax Impact)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"30\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-contrast=\"auto\">Calculation of Profits &amp; Measures<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"30\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"7\" data-aria-level=\"1\"><span data-contrast=\"auto\">Develop State-Specific Actuarial Memorandums<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"30\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"8\" data-aria-level=\"1\"><span data-contrast=\"auto\">Work With State Insurance Departments to Obtain Approvals\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"30\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"9\" data-aria-level=\"1\"><span data-contrast=\"auto\">Work With Administrative Departments to Successfully Transition Products<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n                   <\/div>\n\n                                            <\/div>\n\n    <\/section>\n    \n    \n\n        <section class=\"module-three-accordion-section\">\n        \n        <div class=\"mod-three-container\">\n\n            <div class=\"mod-three-left\" style=\"background-image: url('  https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2024\/08\/shutterstock_1272462163-1-scaled-1.jpg') \">\n                <!-- Background image container -->\n            <\/div>\n\n\n            <div class=\"mod-three-right\">\n                                    <h3>Our Services<\/h3>\n                \n                <div class=\"accordions\">\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>Insurance Product Development <\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p><span class=\"TextRun SCXW244314515 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW244314515 BCX0\">O<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">ur consultants are insurance experts who combine <\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">a strong actuarial<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\"> foundation with a thorough un<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">de<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">rs<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">ta<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">nding of <\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">insurance company opera<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">tions.<\/span> <span class=\"NormalTextRun SCXW244314515 BCX0\">Our <\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">ins<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">urance p<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">roduct<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\"> development experience includes the<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\"> ent<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">ire pro<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">ces<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">s, from company formation to regulat<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">ory c<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">omplian<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">ce<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">. W<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">e par<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">tner with your c<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">ompa<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">ny to he<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">lp you <\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">determi<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">ne<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\"> w<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">ha<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">t pro<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">ducts to <\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">sell, <\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">how to sel<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">l them, and at wh<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">at <\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">price point. Our product devel<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">opment c<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">onsulting expert<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">s can <\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">help<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\"> position<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\"> your c<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">ompany\u2019s products and pric<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">in<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">g model <\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">to align with <\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">your bro<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">ader business <\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">objectives<\/span><span class=\"NormalTextRun SCXW244314515 BCX0\">.<\/span><\/span><span class=\"EOP SCXW244314515 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n                                                            <\/div>\n                        <\/div>\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>Insurance Product Management <\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p><span class=\"TextRun SCXW193927735 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW193927735 BCX0\">Our product management consultants are ready to help define your products, goals, and marketplace advantages. We understand insurance language, which allows us to work closely with your staff to manage your company&#8217;s product lifecycle. Changes in the marketplace happen quickly, and we use sophisticated technology and statistical models to provide support by managing your products&#8217; operational and financial <\/span><span class=\"NormalTextRun SCXW193927735 BCX0\">facets<\/span><span class=\"NormalTextRun SCXW193927735 BCX0\">. We also have extensive experience helping carriers integrate their products with policy management software upgrades and changes.<\/span><\/span><span class=\"EOP SCXW193927735 BCX0\" data-ccp-props=\"{&quot;335559685&quot;:0,&quot;335559991&quot;:0}\">\u00a0<\/span><\/p>\n                                                            <\/div>\n                        <\/div>\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>State Filings <\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p><span class=\"TextRun SCXW165700832 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW165700832 BCX0\">The insurance industry is highly regulated. Let our insurance subject matter experts ensure that your product always adheres to the changing insurance environment. Our consultants stay up to date on changes in regulatory requirements for all <\/span><span class=\"NormalTextRun SCXW165700832 BCX0\">jurisdictions<\/span><span class=\"NormalTextRun SCXW165700832 BCX0\"> so that we can give our clients the best experience and get filings approved quickly. Our team has experienced much success serving as a liaison between regulators and clients due to our trusted position in the industry. We have developed long-term relationships with <\/span><span class=\"NormalTextRun SCXW165700832 BCX0\">numerous<\/span><span class=\"NormalTextRun SCXW165700832 BCX0\"> insurance departments through 30+ years of actuarial services.<\/span><span class=\"NormalTextRun SCXW165700832 BCX0\"> These relationships allow us another layer of support in regulatory and filing endeavors<\/span><span class=\"NormalTextRun SCXW165700832 BCX0\">.<\/span><\/span><span class=\"EOP SCXW165700832 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In addition to the services outlined above, we help with:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"33\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Bureau Monitoring<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"33\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">State Filing Objections<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"33\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Data Calls<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/li>\n<\/ul>\n                                                            <\/div>\n                        <\/div>\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>Regulatory Compliance <\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p><span data-contrast=\"auto\">Our experienced consultants bring extensive state filing knowledge to your project. We will get approval whether you wish to implement a new product or expand into new territories. Our team facilitates the SERFF filing process from submission to approval of each rate, rule, and form filing. Our state filing strategy is always customized to your exact needs. In addition to our state filing experts, Davies has a highly talented pool of actuaries and insurance product development consultants. We are ready to provide rating assistance or help develop a new product from idea to implementation.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In addition to the services outlined above, we specialize in:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"32\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Countrywide Rollouts<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"32\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Expansion Into States With Challenging Regulatory Environments<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"32\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Florida Insurance Regulation Filing System<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n                                                            <\/div>\n                        <\/div>\n\n                    \n                <\/div>\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n    \n        <section class=\"module-four-our-services\">\n            <div class=\"mod-four-container\">\n                    <h3>Our Services<\/h3>\n        \n\n                                <div class=\"service-boxes\">\n            \n                        <a href=\"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-product-lines\/\" target=\"_blank\">\n                            <div class=\"service-box\"  >\n                                                                    <h4>Product Lines<\/h4>\n                                                            <\/div>\n                        <\/a>\n\n            \n                        <a href=\"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-valuation-financial-reporting-actuarial-modeling\/\" target=\"_blank\">\n                            <div class=\"service-box\"  >\n                                                                    <h4>Valuation, Financial Reporting &#038; Appointed  Actuary<\/h4>\n                                                            <\/div>\n                        <\/a>\n\n            \n                        <a href=\"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-experience-analysis-rate-increases\/\" target=\"_blank\">\n                            <div class=\"service-box\"  >\n                                                                    <h4>Experience Analysis &#038; Rate Increases<\/h4>\n                                                            <\/div>\n                        <\/a>\n\n            \n                        <a href=\"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-commissions-valuations\/\" target=\"_blank\">\n                            <div class=\"service-box\"  >\n                                                                    <h4>Commissions &#038; Valuations <\/h4>\n                                                            <\/div>\n                        <\/a>\n\n            \n                        <a href=\"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-other-services\/\" target=\"_blank\">\n                            <div class=\"service-box\"  >\n                                                                    <h4>Other Services<\/h4>\n                                                            <\/div>\n                        <\/a>\n\n            \n                        <a href=\"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-self-insured-major-medical-insurance\/\" target=\"_blank\">\n                            <div class=\"service-box\"  >\n                                                                    <h4>Self-Insured Major-Medical Insurance<\/h4>\n                                                            <\/div>\n                        <\/a>\n\n            \n                        <a href=\"https:\/\/davies-group.com\/northamerica\/insurance-services\/actuarial-solutions\/life-health-other-health\/\" target=\"_blank\">\n                            <div class=\"service-box\"  >\n                                                                    <h4>Other Health<\/h4>\n                                                            <\/div>\n                        <\/a>\n\n                            <\/div>\n            \n    <\/div>\n    <\/section>\n    \n\n        <section class=\"module-five-meet-the-team\">\n\n                    <div class=\"team-bg\">\n                <section class=\"team-section-acquisitions\">\n                    <div class=\"team-container\">\n                                                <h3 class=\"meet-team-title\">Key Contacts<\/h3>\n                        <div class=\"teamslider-solutions\">\n                                                            <div>\n                                    <div class=\"team-slide\">\n                                        <span class=\"team-photo\" style=\"background-image: url('https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2022\/08\/Ben-Cohen.png'); \"><\/span>\n\n                                        <div class=\"team-icons\">\n\n                                            \n                                                                                            <a class=\"email-address\" href=\"mailto:Ben.Cohen@us.davies-group.com \">\n                                                    <img decoding=\"async\" src=\"\/northamerica\/wp-content\/themes\/daviesgroup-na\/assets\/images\/email-icon.png\" alt=\"email icon\">\n                                                <\/a>\n                                            \n                                        <\/div>\n\n                                        <h2 class=\"team-name\">Ben Cohen<\/h2>\n                                        <h2 class=\"job-title\">Head of L&#038;H Actuarial Solutions<\/h2>\n\n                                    <\/div>\n                                <\/div>\n                                                    <\/div>\n\n                    <\/div>\n                <\/section><!-- end team section -->\n            <\/div> <!-- end team-bg -->\n        \n    <\/section>\n    \n\n    <!--latest insights - blog\/case study section -->\n        <section class=\"module-six-latest-insights\">\n\n                    <h3>Latest Insights<\/h3>\n        \n    \n    <ul class=\"posts-container\">\n                    \n                                <li class=\"post-card\"  style=\"background-image: linear-gradient(180deg, rgba(255,255,255,0), #114b5f), url(https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2022\/06\/Our-Staffing-Model-1.png);\" >\n                    <a class=\"display-block\" href=\"https:\/\/davies-group.com\/northamerica\/case-study\/our-staffing-model-brings-dedicated-caseload-team-to-tennessee-and-kentucky-generating-over-1000-claims\/\">\n                        <div class=\"post-permalink\">\n\n                                                            CASE STUDY <br>\n                            \n                        <\/div>\n                        <div class=\"post-title-box\">\n                            <h3 class=\"post-title\">\n                                Our Staffing Model Brings Dedicated Caseload Team to Tennessee and Kentucky Generating Over 1,000 claims                            <\/h3>\n                            <p>Learn more ><\/p>\n                        <\/div>\n                    <\/a>\n                <\/li>\n                    \n                    \n                                <li class=\"post-card\"  style=\"background-image: linear-gradient(180deg, rgba(255,255,255,0), #114b5f), url(https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2021\/10\/Digital-Innovation-Blog-Images@2x.jpeg);\" >\n                    <a class=\"display-block\" href=\"https:\/\/davies-group.com\/northamerica\/technology\/digital-innovation\/blog\/do-you-have-a-human-intelligence-strategy\/\">\n                        <div class=\"post-permalink\">\n\n                                                            BLOG <br>\n                            \n                                                    <\/div>\n\n                        <div class=\"post-title-box\">\n                            <h3 class=\"post-title\">\n                                Do you have a human intelligence strategy?                            <\/h3>\n                            <p>Learn more ><\/p>\n                        <\/div>\n                    <\/a>\n                <\/li>\n            \n                                <li class=\"post-card\"  style=\"background-image: linear-gradient(180deg, rgba(255,255,255,0), #114b5f), url(https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2021\/10\/Davies-reveals-how-COVID-19-has-changed-uptake-and-demand-for-virtual-adjusting-technology@2x-1.jpg);\" >\n                    <a class=\"display-block\" href=\"https:\/\/davies-group.com\/northamerica\/technology\/claims-management\/blog\/davies-reveals-how-covid-19-has-changed-uptake-and-demand-for-virtual-adjusting-technology\/\">\n                        <div class=\"post-permalink\">\n\n                                                            BLOG <br>\n                            \n                                                    <\/div>\n\n                        <div class=\"post-title-box\">\n                            <h3 class=\"post-title\">\n                                Davies reveals how COVID-19 has changed uptake and demand for virtual adjusting technology                            <\/h3>\n                            <p>Learn more ><\/p>\n                        <\/div>\n                    <\/a>\n                <\/li>\n            \n                                <li class=\"post-card\"  style=\"background-image: linear-gradient(180deg, rgba(255,255,255,0), #114b5f), url(https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2021\/10\/Eight-VoC-pitfalls-that-could-undermine-all-your-good-intentions-for-CX-improvement@2x.jpg);\" >\n                    <a class=\"display-block\" href=\"https:\/\/davies-group.com\/northamerica\/technology\/customer-experience\/blog\/voice-of-the-customer-pitfalls\/\">\n                        <div class=\"post-permalink\">\n\n                                                            BLOG <br>\n                            \n                                                    <\/div>\n\n                        <div class=\"post-title-box\">\n                            <h3 class=\"post-title\">\n                                Eight \u2018Voice of the Customer\u2019 pitfalls that could undermine all your good intentions for CX improvement                            <\/h3>\n                            <p>Learn more ><\/p>\n                        <\/div>\n                    <\/a>\n                <\/li>\n                        \n        <\/ul>\n\n    <\/section>\n\n    \n\n        <section id=\"free-consultation\" class=\"module-seven-form\">\n        <div class=\"form-container\">\n                <div class=\"left-form\">\n                    Discover Davies\n                <\/div>\n\n                <div class=\"right-form\">\n                    <button type=\"button\" class=\"seablue-button button\" data-toggle=\"modal\" data-target=\"#freeconsultation-footer\">Contact Us                    <\/button>\n\n                    \n\n                <\/div>\n        <\/div>\n\n        <!-- Free Consultation Modal -->\n        <div class=\"modal fade\" id=\"freeconsultation-footer\" tabindex=\"-1\" role=\"dialog\" 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