Non-life insurance

• Loss reserving to enable completeness of financial statements, diminish risks of mispricing, misallocation of capital and excess tax cost
• Pricing of insurance premiums of existing and new products to devise the right price for risk and improve profitability
• Devising an optimal reinsurance route to reduce aggregation of risk, smooth profitability and curtail prescribed solvency capital requirements
• Review and improvement of underwriting policy to safeguard the portfolio from excess risk
• Analysis of claims and risk factors to identify key sources of risk and profitability

Life insurance

• Review and estimation of life insurance reserves for accurate allocation of capital
• Assistance with development and pricing of existing and new products
• Profit-testing and sensitivity analysis of existing and future products to evaluate optimal balance between profitability and capital requirements

Non-state pension funds

• Valuation of pension obligations in compliance with IFRS (IAS 19, IFRS 4) and audit review
• Consulting non-state pension funds on IFRS adoption, assistance in the development of accounting policies and treatments
• Evaluation of funded status of non-state pension funds
• Consulting on improvement of the financial performance of non-state pension fund

Pensions and long-term employee benefits

• Valuation of post-employment or long-term benefit obligations in compliance with IFRS (IAS 19) or US GAAP (FAS 87) and audit review

Multi-disciplinary

• Due diligence assistance on buy or sell side
• Evaluation of pre-funding arrangements
• Statistical modeling of claims and cashflows
• Asset liability matching to align expected returns per asset class to expected outgo