CAI practices in life and health as well as property and casualty, under the same Fellow. Reserve opinions, cash-flow testing, health plan reserving, and medical stop-loss pricing, where a lot is changing right now.
Rates for specific and aggregate stop-loss coverage, built from the plan's own experience and current large-claim trend.
Frequency and severity of claims above the attachment point, with attention to high-cost drug therapies, cell and gene therapies, and specialty pharmacy.
Where a self-funded plan's retention should sit, given its size, its claims history, and its tolerance for a bad year.
An independent look at renewal terms, lasers, and rate changes before the plan commits.
Pricing and reserving for employer captives and stop-loss pools.
Unpaid claim reserves and premium deficiency testing for stop-loss writers.
Statutory reserve opinions for life and health insurers, with the supporting memorandum.
Projected cash flows under a set of interest rate paths, and whether the assets hold up. More on the Economic Scenarios page.
IBNR for self-funded plans, and IBNR and premium deficiency reserves for health insurers.
Rate development for life, annuity, long-term care, and health insurance products.
Mortality, morbidity, lapse, and claim studies for ongoing valuations, with life expectancy assumptions revisited as the evidence changes.
Pricing, ceded reserves, and experience analysis for life and health reinsurance transactions.
Setting the retention, pricing the stop loss, and checking the renewal.
Reserves, rate adequacy, and the opinion that goes with them.
Reserve opinions, cash-flow testing, pricing, and experience studies.
A short call to understand the question being asked.
Claims experience, plan or policy terms, and the current rates. Nothing more than is needed.
Modeling, comparison, and a draft to talk through together.
A memo or report sized to the question, with the work behind it.
If you have a question about a stop-loss program, a reserve, or an opinion, send a note or call.