Services

LIFE INSURANCE

* Portfolio valuations on a seriatim (policy-by-policy) basis, giving the most detailed results possible, for accounting or regulatory purposes.

* Projections of future financial results from actual or hypothetical policy portfolios; this enables Embedded Value (EV), Appraisal Value (AV) and Value-Based Financial Management (VBFM).

* Product development, including plan structure, assumption-setting, pricing, projection, illustration, contract wording, certification for regulators and system implementation.

* Experience studies on mortality, persistency, expenses, investment earnings, etc.

* Advice on commissions, reinsurance, etc.

* Preparation of filings to regulators as required by law.

GROUP PENSION

* Valuation of Plan assets and liabilities for restructuring, funding, registration, statutory and IAS19 purposes.

* Advice on Plan assets, structure and de-risking.

* Cash flow projections.

* Quotations of benefits available to departing members.

* Preparation of members’ certificates and announcements.