CAI combines decades of actuarial expertise — FCAS, FSA, MAAA — with artificial intelligence across every line of business, from property & casualty reserving to life, health, and OPEB studies.
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.
AI handles the data and modeling. The judgment comes from over 25 years of experience across every line of business.
Independent actuarial reserve opinions with full documentation for regulators and auditors.
Data-driven rate indications identifying pricing patterns that traditional methods can miss.
Actuarial opinion statements, Schedule P analysis, and state filing support.
Specialized reserve opinions and feasibility studies for Risk Retention Groups and captives.
AI-assisted claim frequency, severity, and development forecasting for proactive decisions.
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.
AI handles the heavy lifting on data processing and initial modeling. The actuarial judgment — and the signature — come from a credentialed Fellow with over 25 years of experience. The result is analysis that is faster, more thorough, and fully documented.
AI processes data and builds initial models in a fraction of the traditional time — without reducing rigor.
Machine learning identifies patterns across large datasets that traditional methods may not surface.
Every output includes method comparisons and sensitivity analysis, ready for audit or regulatory review.
Fully independent. No affiliated interests. The opinion reflects the analysis, nothing else.
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.