Consulting Services

Life & Annuity

Product Pricing

  1. Life Insurance: Traditional
    • Mortality-Based Traditional
    • Traditional Whole Life
    • Stochastic Mortality if Needed
    • Mortality and Lapse Studies
    • Attendant Riders
  2. Life Insurance: Non-Traditional
    • Universal Life
    • Variable Life
    • Interest-Sensitive Whole Life
    • Variable Universal Life
    • Attendant Riders
    • "Minimum Guarantee" Riders
  3. Annuities
    • Fixed Income Annuities
    • Immediate Annuities
    • Variable Annuities
    • "Minimum Guarantee" Riders


  1. Statutory Accounting
  2. GAAP Accounting Where Needed
  3. IFRS Accounting Where Needed
  4. Other Accounting Principles as Needed

Risk Management

  1. Asset/Liability Management
  2. Fixed-Asset Pricing
    • Includes Stochastic Interest Rates
    • Includes Credit Risk
  3. Risk-Based Capital
    • Statutorily Defined
    • First-Principles Based
    • Value at Risk
    • Conditional Tail Expectation

Actuarial Services

  1. Enhancing Stochastic Processing Speed
  2. Optimizing Data Compression
    • Highly Increased Accuracy
    • Highly Increased Compression Ratio
  3. Model Risk
    • Model Validation
    • Actuarial Audit
Consulting Overview Property and Casualty Services

InsurTech Global Consulting Services are provided under the leadership of Mr. Lloyd Foster, a Fellow of the Society of Actuaries. He has 27 years of post-Fellowship actuarial and risk management experience, with the last 17 years focused on risk management, risk modeling and model validation for market, credit, operational and insurance risk.
About Lloyd Foster

For more information, please email our team at

Or call us at: 1-877-315-6888