Rigorously Professional
Our key focus is to help our clients achieve their financial objectives by providing them with professional
excellence, objectivity, and practical solutions on a timely basis in an evolving global marketplace. Our
Financial Services consultants have been involved in a large variety of insurance and insurance-related
projects in Canada, the US, throughout the Caribbean, as well as internationally. We provide services to life
insurance companies, reinsurers, and other financial institutions such as banks, trusts, and credit unions.

We help our clients grow their revenue and gain a competitive advantage by monitoring the latest trends,
issues, regulations, tax laws and research within the insurance industry. This focus on staying current within
the rapidly evolving insurance landscape allows us to provide our clients with thoughtful, timely, independent
counsel to help them better identify market opportunities, strategies, and challenges, while protecting against
financial risks.
From our Caribbean offices, we provide services to captive life insurance companies and to international
finance companies, as well as to local life insurance companies. We have the largest actuarial presence in the
Caribbean, with offices in Barbados and Jamaica, and professionals consulting to Caribbean clients from our
offices in Canada.
We also support governments, government agencies, insurance regulators, auditors, and other supranational
banking and public policy agencies.
- Policy liabilities valuation under IFRS, US and Canadian valuation regime
- Risk-based capital calculation under Solvency II, RBC and MCCSR environment
- Embedded values
- European embedded value analyses
- Achieved profits
- Statutory reporting
- Appointed actuary services
- Asset liability management analysis and recommendations – applications, measurements, and strategies
- Capital management on a global basis, capital allocation studies and optimization
- Use of reinsurance in capital management
- Enterprise risk management strategies
- Financial modelling and forecasting
- Own Risk and Solvency Assessment (ORSA), Cash Flows testing (CFT), and Dynamic capital adequacy testing (DCAT)
- Stochastic processes
- Assistance in identifying strategic partners
- Valuation of business (actuarial and market-based)
- Development of proforma financials
- Assistance in due diligence
- Independent actuarial opinions
- Identification and evaluation of synergies
- Post-transaction implementation and conversion activities
- Insurance company start-up and restructuring
- International life and non-life insurance products
- Unit linked or variable life and annuity products
- Retirement related accumulation and payout products
- Critical illness products, disability income products, and other health products
- All traditional life insurance
- Takaful (Shari'ah-compliant insurance) products, Family Takaful (life)
- Development of mortality, morbidity, and related demographic tables
- Analysis of market opportunities
- Identification of key success factors
- Development of proforma financials
- Product design and pricing
- Cross-border opportunities in Europe, Asia, and the Americas
- Business planning and program design
- Reinsurance analysis, including commutations
- Reserving, including Statement of Actuarial Opinions
- Restructuring
- Pricing & rating reviews
- Risk management consulting
- Captive insurance feasibility studies
- Captive insurance loss reserving
- Independent actuarial opinions
- Peer review
- Expertise in various approaches by country
- Expertise in issues of policyholder equity and dividend protection mechanisms
- Support in raising capital
- Provision of independent actuarial opinions
- Support in IPO
- Evaluation of alternative locations
- Feasibility studies
- Product development and pricing
- Funding and reserving
- Establishment services
- Insurance management services
- Captive insurance consulting
- Health insurance consulting
- Healthcare funding
- Product development
- Pricing and reserving
- Web-based insurance illustration systems
- Web-based policy underwriting, new business, issue, reinsurance, and administration systems
- Various web-based applications and systems for specialized clients
- Support and review of actuarial systems
- Support and review of policy administration systems
- Testing and evaluation of alternative systems
- Actuarial software – proprietary (EASy, AVE) and public (AXIS, GEMS/ADVISE, EagleEye)
- Other related technology services and solutions