Crafting
quality
solutions
We bring holistic, actuarial thinking and a strategic business mindset for high-value partnerships.
Key Areas of Focus
We partner with insurers to provide actionable actuarial insight across underwriting, pricing, and portfolio management. By analyzing cedent portfolios, assessing risk concentrations, and modeling alternative treaty structures, we help companies make informed decisions that balance growth, capital efficiency, and risk appetite.
Typical engagements might include:
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Signing Statements of Opinion
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Profitability analysis
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Ongoing monitoring
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Strategic product development + pricing evaluation
Through comprehensive oversight and a longstanding awareness of U.S. regulatory procedures, we enable insurers to identify emerging exposures, optimize product offerings, and structure innovative deals.
With a forward-looking perspective, we translate complex actuarial data into clear, strategic guidance — helping you stay competitive in a dynamic market.
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We support litigation through expert witness testimony for a variety of cases involving life insurance, annuities, and general actuarial relevance.
Our litigation capabilities include:
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Policyholder contract disputes
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Actuarial analysis and review
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Deposition support
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Actuarial testimony review
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Expert Witness testimony
Credibility and clear explanation are key, and we excel in straightforward, patient communication utilizing authoritative actuarial expertise.
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Regulatory regulations are an ever-shifting landscape that can have significant implications for life insurers, annuity providers, and reinsurers alike. We are actively, and proactively, monitoring and assessing the latest changes.
This allows us to provide the best possible actuarial guidance for functions like asset adequacy testing, reserving, and capital adequacy.
The upcoming adoption of VM22 is a prime example. We've closely followed this development and are prepared to partner with insurers in the upcoming three-year adoption term. VM22 brings significant changes for non-variable annuity contracts and will bring an impact to data and business functions.
By staying current, we are better able to identify important shifts and anticipate challenges before they become problems.
Mergers and acquisitions in insurance carry unique actuarial and financial complexities. We serve as a key strategic partner in the process to provide reliable insights and a forward-looking approach.
We typically help clients:
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assess target portfolios,
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evaluate risk exposures, and
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quantify the impact on capital, profitability, and solvency.
Our analysis supports deal structuring, pricing, and negotiation, ensuring decisions are grounded in rigorous actuarial insight.
Beyond the transaction, we also advise on post-merger integration, portfolio alignment, and risk management. By combining technical expertise with strategic perspective, we help clients maximize value, minimize surprises, and confidently navigate complex transactions.
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emerging markets
Life Insurance + Annuities
Driving Product Growth and Profitability Through Strategic Partnership
We're dedicated to supporting new and existing products with critical actuarial insights.
We partnered with a prominent insurer on a new line of annuities in a Caribbean island market through an array of services:
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Regulatory and Compliance Navigation
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Pricing and Valuation Strategy
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Chief Actuary Services
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Reliable, Ongoing Advisory Support
Actuarial Support:
PRICING
RISK
VALUATION
FORECASTING
STATEMENT
OF OPINION
REGULATORY
SUPPORT
PROJECTIONS
PRODUCT
DEVELOPMENT
Expanded Capabilities:
Product Development + Pricing
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Designing/pricing individual life insurance + fixed/fixed indexed annuity products
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Product Filings
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Assessing Design, Pricing, Assumptions, Key Risks, and Profitability
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Presentation to Senior Management + Board Leadership
M+A Support
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Actuarial due diligence (buy or sell side)
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Embedded Value, Risks, and Reserve sufficiency assessments
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Post-merger actuarial integration support
Valuation + Financial Reporting
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Appointed Actuary + Statements of Opinion
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Periodic US Statutory + GAAP Valuations
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Forecasting + Projections Including Key Risk Identification
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Asset Adequacy Testing
Reinsurance Strategy
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Negotiation and Reinsurer Evaluation
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Structuring Reinsurance Treaties
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Reviewing Financial/Risk Implications of Treaties
Expert Witness + Litigation Support
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Policyholder Contract Disputes
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Actuarial Analysis + Review
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Deposition Support
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Actuarial Testimony Review
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Expert Witness Testimony
Strategic Consulting
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Board, Risk, or Audit Committee Support
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In-House Actuarial Leadership Coaching
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Straightforward Communication of Actuarial Risk Drivers and Results
Regulatory + Compliance
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Regulatory Exam/Inquiry Response + Preparation
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Guidance on Navigating Regulatory Changes
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Annuity Suitability Evaluation
Actuarial Function
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Actuarial Department Setup (for New Ventures or Restructuring)
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Actuarial Governance Design or Evaluation (including Controls or Workflows)
40
Years of Industry Leadership
THE FRIEDLAND METHOD
We start with asking the right questions.
A major asset to actuarial strategy is knowing what to ask, what to look for, and how to communicate effectively.
We look at the bigger picture, always.
We bring a broad focus to all client engagements, exceeding the mandate when in the best interest of the client. This means we are able to make more holistic observations and recommendations, allowing for more robust problem-solving.
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We're open for business.
Insert a testimonial here.
EDRICK / TOLIC
We're looking out for you.
If you're looking for proactive actuarial partnership, get in touch. We're here to collaborate.