Our life insurance consulting services practice has been involved in a large variety of insurance and insurance-related projects throughout Canada and the Caribbean, as well as on the international scene, including Japan.

Our key focus is to meet the needs of our clients in a tailored and professional manner and to help our clients achieve their financial objectives by providing practical and timely solutions in an evolving global marketplace.

We offer advice on:

• Insurance company start-up and restructuring
• Mergers & acquisitions, actuarial appraisal and embedded value calculations, and independent actuary work (almost 100 in the past ten years)
• Financial projections and modelling
• Demutualization (involved in all Canadian and Caribbean demutualizations, including support for U.S. ones)
• Financial reporting and valuation, including Dynamic Capital Adequacy Testing
• New product design, development and pricing
• Reinsurance costing and negotiations
• Asset/liability management and optimization
• Strategic and tactical planning, particularly for smaller organizations
• Risk management and performance management
• Capital allocation studies and optimization
• System design, programming, and other information technology driven projects, including home system Actuarial software – EASy and ALMA
• Audit support and independent reviews
• Expert testimony at public hearings
• Market studies and research

For more information on our Life Insurance services, contact Hugh White.