Accident & health actuarial consulting and comprehensive support for your successful supplemental health product launch.

Our expert actuarial consulting team brings decades of accident & health product development consulting experience for life & health and property & casualty insurance companies of all sizes to every job. From complete outsourcing to one-off projects, we offer the same elevated level of service because we know you only get one shot at launching your new health-related products.

We provide accident & health actuarial consulting for an array of supplemental health products, including:

Accident/Sickness expense
Hospital confinement/Fixed indemnity
Critical illness/Specified disease
Short-term and long-term disability
Accidental death & dismemberment
Supplemental (Gap) medical
Short-term medical

Additionally, our skilled actuaries provide insight and intelligence for hybrid products with property & casualty and health components such as:

Blanket accident
Business and group special risk
Travel insurance
Debt protection
Medical stop loss and provider excess

MARKET ANALYSIS

Our internal competitive intelligence consulting team has access to 400,000+ industry rate, rule and form filings to help you understand a shifting marketplace. We identify primary competitors, compare their product pricing and help you understand recent and projected trends so you can see the big picture before making key decisions.

PRODUCT PRICING

We create comprehensive and compliant rating manuals for your new supplemental health insurance products. Our deep industry intelligence enables us to develop competitive product pricing that is grounded in data. This insight ensures that your organization covers expected losses & expenses and reaches a desired profit load.

IMPLEMENTATION

Our ongoing support leads your organization toward success. By reviewing your operations for consistency with your new products, we make sure your underwriting procedures, claims adjudication processes and data capture meet your needs today and into the future.

EXPERIENCE ANALYSIS

We analyze historical data to accurately project future losses and provide specific, reliable recommendations to help you achieve target profit levels.

RATE FILING SUPPORT

Get to market faster by relying on our rate filing experience and expertise. We help you navigate complex Department of Insurance (DOI) regulations and changing state requirements so your filings are always complete and compliant.

VALUATION & RESERVES

We analyze IBNR, open claim and premium deficiency reserves for your supplemental health lines of business. Our accident & health actuarial consulting experts provide a clear picture of projected losses and loss reserves.

Our team includes 35+ consulting actuaries and over 75 other insurance industry experts whose skills set ranges from database design to process improvement to product design to compliance. Our team’s lengthy experience, deep industry expertise and clear communication enable us to quickly and efficiently solve your toughest insurance challenge.

James A. Vallee, FSA, MAAA

Principal & Consulting Actuary
Director of A&H Actuarial Consulting Services

Jennifer Choe, ASA, MAAA

Senior Consulting Actuary

Accident & health actuarial consulting and comprehensive support for your successful supplemental health product launch.

Comprehensive accident & health actuarial consulting

MARKET ANALYSIS

PRODUCT PRICING

IMPLEMENTATION

EXPERIENCE ANALYSIS

RATE FILING SUPPORT

VALUATION & RESERVES

Our Actuarial Consultants

RESOURCES, NEWS & EVENTS

Health Actuarial Consulting

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