Numerica offers you world class, independent actuarial advice on all aspects of life, non-life and health insurance. Our approach is highly flexible and client orientated, so that we can give as much or as little support as you want. Whatever your situation or size, our practical expertise is available to meet your every need.

Numerica's expertise is unique in deploying stochastic modeling to deliver insightful solutions to a myriad of insurance problems. We are constantly striving to provide answers to emerging challenges:

• Market Consistent Valuations
• IFRS Insurance Accounting
• Solvency II and Economic Capital

We provide a range of services covering:

• Pricing and Product Development
  • Modeling of all kind of linked/non-linked and participating/non-participating life insurance products
  • Stochastic and market-consistent pricing
  • Premium rating and loss ratio analysis for non-life and health products
  • Assistance in regulatory approvals

• Planning and Strategy
  • Market entry assessment
  • Benchmarking and competitor product analysis
  • Business planning – solvency and embedded value projections

• Experience Analysis
  • Mortality, morbidity and lapse investigations
  • Claims and loss ratio analysis
  • Expense allocation and investigation
  • Investment performance measurement and analysis

• Embedded Value and Profit Reporting under US and UK GAAPs
• Reserving and Statutory Valuations
  • Calculation of statutory and realistic reserves
  • Analysis of surplus
  • Stochastic reserve adequacy testing

• Peer Reviews
  • Pricing, valuation and reporting model reviews
  • Model Office review and implementation
  • Review of end-user computing control procedures

• Risk and Capital Management
  • Reinsurance optimization
  • Asset-liability management
  • Dynamic financial analysis
  • Economic capital modeling
  • Bonus reserve valuations