Loss Reserve Analyses

• Evaluation of unpaid losses and loss adjustment expense reserves
• Analysis of reinsurance recoverable
• Analysis of adverse development (reserve variability)
• Confidence level reserving
• Statements of Actuarial Opinion
• Projected payment patterns and reserve discounting
• Calculation of reserve durations
• Loss and LAE reserves as of year end for tax purposes using IRS interest rates and payment patterns

Ratemaking Analyses

• Analysis of loss experience
• Analysis by rating territory and classifications
• Analysis of competitive position within the marketplace

Funding Analyses

• Projection of future expected losses
• Claim cost and frequency trends
• Projection of cash flows
• Quantification of risk
• Evaluation of reinsurance covers

Group Self-insurance

• Determine funding plans
• Evaluation of the cost/benefit tradeoff of various SIR's on the funding plan
• Evaluate the efficacy of aggregate excess reinsurance (effect on confidence level, probability of attachment, probability of exceeding coverage)
• Determine the effect on expected losses and risk due to various levels of deductibles
• Development of experience rating plans
• Development of return policies
• Development of return distribution formulae
• Analysis by rating classification, to assist the client in its loss prevention efforts and rate setting decisions

Data Management Services

• Claims system evaluation
• Data integrity analysis consultation
• On-site data management instruction forums
• Data reporting consultation
• Automated data balancing abilities