Life Insurance
Rudd and Wisdom provides a wide range of actuarial and management consulting services to life insurance companies and fraternals. Our life insurance division now serves clients domiciled coast to coast and licensed in over 40 states.
Product Design and Pricing
Initial product design, determination of appropriate balance between competitive and profitable rate structures and effects on surplus
Policy form design and state insurance department filing
Profitability Analysis
For existing blocks of business, analysis of profitability and timing of release of surplus
Merger and Acquisition Consulting
Valuation of blocks of business for sale or purchase
Financial Statement Preparation
Preparation of entire financial statement or actuarial entries for statutory and GAAP financial statements, including asset adequacy tests
Agency Compensation
Consultation on issues of agency structure and compensation issues; relationship to product design, pricing, profitability and market penetration.
Management Consulting
Consultation on issues relating to insurance company operations.
