CAI is a specialized actuarial consulting practice led by a Fellow of both the Casualty Actuarial Society (FCAS) and the Society of Actuaries (FSA) — full-spectrum coverage across property & casualty, life, health, and OPEB, with the same actuary signing the opinion who runs the analysis.
Get in Touch →CAI Actuarial is an independent actuarial consulting practice serving insurance entities of every type and size. Every engagement is handled personally by a credentialed Fellow — the same actuary who does the analysis signs the opinion.
With dual credentials in both property & casualty and life & health, CAI covers the full spectrum of actuarial work — from loss reserve opinions and OPEB valuations to insurance M&A due diligence and expert witness testimony.
Twenty-five years of experience across every line of business, and the rare combination of both major actuarial fellowships — FCAS (property & casualty) and FSA (life and health) — in the same practitioner.
Independent actuarial reserve opinions with full documentation for regulators and auditors.
Rate indications grounded in standard actuarial methods, fully documented for regulatory review.
Actuarial opinion statements, Schedule P analysis, and state filing support.
Specialized reserve opinions and feasibility studies for Risk Retention Groups and captives.
Frequency, severity, and development projections built from your own loss experience using accepted actuarial methods.
Ceded reinsurance reviews and actuarial support for treaty and facultative programs.
Statutory reserve adequacy opinions, cash flow testing, and asset adequacy analysis.
IBNR and premium deficiency reserves for health insurers and self-funded plans.
Rate development for life, annuity, long-term care, and health insurance products.
Reserve analysis, rate adequacy studies, and morbidity assumption development.
Actuarial support for transactions — pricing, reserve cessions, and experience analysis.
Actuarial opinions for state filings and annual statements across all life and health lines.
Premium rate development and regulatory filing support including ACA actuarial value certifications.
Medicare Advantage bids, Medicare Supplement pricing, and Medicaid managed care analysis.
Plan design evaluation, cost projections, and self-funding feasibility analysis.
Trend analysis, utilization review, and cost projection studies for health plans and TPAs.
Attachment point analysis, aggregate corridor development, and experience studies.
Actuarial value calculations and minimum value determinations for ACA-regulated plans.
GASB 74/75 compliant Other Post-Employment Benefits valuations for public entities — required compliance, delivered efficiently.
Defined benefit plan valuations, GASB 67/68 compliance, and contribution projections.
Full-service actuarial support for cities, counties, school districts, and governmental pools.
Reserve opinions, funding adequacy analysis, and contribution studies for public entity pools.
Actuarial cost impact studies for benefit plan design changes and liability management.
Mortality, morbidity, turnover, and retirement assumption studies for ongoing valuations.
Actuarial assessment of required capital levels for carriers, RRGs, and captives.
Quantitative analysis of whether reinsurance structures achieve genuine risk transfer, including ERD analysis.
Adverse scenario modeling and tail risk quantification for capital sufficiency assessment.
Analysis of asset-liability matching and investment adequacy for insurance portfolios.
Enterprise risk modeling across underwriting, reserve, operational, and financial categories.
Dynamic financial analysis projecting outcomes across economic and underwriting scenarios.
Independent assessment of loss and LAE reserve adequacy identifying development risk before close.
Tail risk quantification, large loss review, and reserve range development for buyers and sellers.
Actuarial due diligence for captive restructurings and RRG acquisitions.
Reserve opinions supporting commutations, loss portfolio transfers, and novations.
Independent opinions supporting transaction fairness and regulatory approval.
Due diligence for life, health, and annuity transactions — reserve review and assumption validation.
Actuarial analysis and testimony on reserve adequacy, loss development, and claims valuation.
Expert actuarial support for reinsurance disputes — loss portfolio analysis and reserving methodology.
Independent review of claims handling, reserve setting practices, and loss development.
Actuarial analysis of business interruption losses and damage quantification.
Actuarial testimony before state insurance departments and regulatory bodies.
Rigorous actuarial methodology, documented and supported at every step.
Insurance entities deserve actuarial work they can put their name behind. CAI is built around three commitments that shape every engagement: a credentialed Fellow on every file, specialized delivery without junior-staff handoff, and independence that lets the analysis speak for itself.
No junior-staff handoff. The same Fellow who runs the analysis signs the opinion and sits across the table from the auditor, regulator, or board.
Fellowship in both the Casualty Actuarial Society and the Society of Actuaries — a combination that lets a single practice cover property & casualty, life, health, and OPEB without outsourcing.
Every engagement is delivered with method comparisons, sensitivity analysis, and a defensible audit trail. Standard actuarial methods, thoroughly applied.
No affiliated interests, no cross-sell, no house position. The opinion reflects the analysis — nothing else.
Holding fellowships in both the CAS and the SOA is uncommon — it is the technical basis for offering full-spectrum actuarial services from a single, accountable practice.
Every type of insurance entity — from large carriers to small municipalities.
CAI works with insurance entities of every type and size. There is no intermediary between you and our principals.