Our Services


Product Development

Policy Language Review & Drafting

Underwriting Guidelines

Marketing Guidelines

ACA Compliant Plans

Product Pricing

DHMO/Capitated Products

Fully Insured Products - PPO, MAC, SBP, Indemnity

Individual and Group Products

Voluntary and Employer Paid Products

Manual Rating Software Systems

Renewal Rating Software Systems

Actuarial Rate Filings

Actuarial Memorandums

Annual Rate Certifications

ACA Rate Filings

State Specific Certifications

Actuarial Financial Services

Reserve Valuations

Statements of Actuarial Opinion

Financial Forecasting Models

Actuarial Valuations of Plan Changes

Underwriting Pricing Systems

New Business Manual Rating Systems

Small Group Renewal Rating Systems

Large Group Experience Rating Systems

Credibility Rating Systems

Experience Analysis

Utilization Studies

Utilization and Pricing Trend Analysis

Claim Cost and Loss Ratio Trend Analysis

Persistency/Lapse Studies

Loss Ratios by Risk Factors

Industry Benchmarking



Plan Design

Rate Level

Fee Schedules and UCR

Our Services