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ACTUARIAL SERVICES |
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| We have services in six major areas: |
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ASSET LIABILITY
MANAGEMENT |
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CONSULTANCY |
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Non-Life Insurance |
- Product design;
- Design of Bonus-Málus systems;
- Business cancellations; - Analysis of claims;
- Fraud profiles.
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Life Insurance |
- Product design;
- Analysis of claims;
- Fraud profiles;
- Mortality, survival and disability risk:
- Surrenders and business cancellations;
- Embedded Value and Appraisal Value.
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Investments |
- Evaluation of assets, derivatives and liabilities;
- Modeling of assets and liabilities;
- Investment analysis;
- Dynamic financial analysis;
- Retention of reinsurance.
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Long-term Benefits and Pension Plans |
Long-term benefits and pension plans.
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Enterprise Risk Management |
- Gap analsys and strategic planning;
- Corporate governance structure;
- Risk model;
- Risk appetite;
- Risk control, risk mitigation and risk budgeting;
- Reporting and monitoring;
- Culture of risk and communication with stakeholders;
- Product design, underwriting and claims;
- Capital management.
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VALUATIONS |
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Valuation of Liabilities |
- Provisions for claims, mathematical provisions and premiums;
- Long-term insurance, pensions and social security;
- Claims deviation and catastrophes. |
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Valuation of Assets |
Mark to market, mark to model, options and guarantees. |
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Valuation of Insurers and Portfolios |
Embedded Value and Appraisal Value. |
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ASSET LIABILITY MANAGEMENT |
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Gap Analysis |
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Matching |
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Risk Budgeting |
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PRICING |
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Rate Construction |
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Profit Testing |
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Risk Scoring |
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IFRS 17 |
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Gap Analysis |
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Design |
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Implementation |
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SOLVABILITY |
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Calculation of Capital Requirements |
- Underwriting Risk (Life, Non-life and Health);
- Market Risk;
- Credit Risk or Counterparty Default;
- Operational Risk.
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Internal Models |
Internal models.
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Reinsurance |
- Levels of retention;
- Minimization of capital requirements.
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Narrative Reports |
Solvency and Financial Condition Report and Regular Supervisory Reporting addressing:
- Business and performance;
- System of governance;
- Risk profile;
- Valuation for solvency purposes;
- Capital management.
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Own Risk Solvency Assessment (ORSA) |
Assessment of the company's risk profile, from a current and prospective perspective:
- Analysis of extreme scenarios, stress tests and reverse stress tests;
- Definition of management actions that are justified, given the results of stress tests and reverse stress tests developed.
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