Three small instruments that show what actuarial work actually produces: a reserve projection, a forward profitability view, and a plain-language reference that returns what you asked for. Adjust the inputs; the numbers respond.
This is a paid-loss development triangle: accident years down, maturity across. The estimator runs a volume-weighted chain ladder: it reads how losses have grown, projects each year out to its ultimate value, and the gap between paid-to-date and ultimate is the indicated IBNR. Edit any blue cell and every projection re-settles. The same engine, with judgment layered on top, sits behind a Statement of Actuarial Opinion.
Worked example using sample figures, shown to illustrate how the chain-ladder method develops losses to ultimate. It is one of several methods an actuary would consider. Illustrative and educational only, not actuarial advice, not a Statement of Actuarial Opinion, and not to be relied upon for any filing or business decision. Terms & Disclaimer →
A forward profitability view across a book of business, the kind built originally for a former CEO's monthly review. Set the gross written premium and expected loss ratio for each line, then layer a quota-share treaty on top. The model carries it through to a net combined ratio and underwriting result, and shows exactly how many points the reinsurance moved. This is the translation work: complex terms, one clear answer.
A hypothetical “what-if” planning sketch with illustrative inputs and a simplified treaty structure. Illustrative and educational only — not actuarial advice and not a substitute for a full pricing or reinsurance analysis. Terms & Disclaimer →
Property & casualty work runs on a vocabulary that rarely gets explained plainly. This index covers the terms behind reserving, pricing, reinsurance, and the regulatory filings, in language a non-actuary can use in a board meeting. Type a word; results rank instantly by relevance, not by guesswork.
Plain-language summaries for orientation only — not a substitute for professional actuarial advice on any specific matter. Terms & Disclaimer →
If a reserve review, a profitability exhibit, or a second set of credentialed eyes is on your desk, the first call is simply a scoping call — hourly or fixed-fee, no retainer.
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The tools above use illustrative figures for demonstration only. They are not actuarial advice, do not constitute a Statement of Actuarial Opinion, and should not be relied upon for any filing or business decision. See Terms & Disclaimer.