Life    Pensions    Investments    Captives

• Product design
• Financial reporting
• Taxation and financial reinsurance
• Statutory actuarial
• Establishment of new life companies
• Financial modelling
• Advice and commentary on rules, guidance and consultations
• Independent actuary and skilled person’s reports
• Investment strategies and ALM
• Analysis of life companies
• Non-executive director and with-profits governance
• Training
• Offshore - Guernsey and Jersey

• Advice on the design and pricing of life, pensions and disability products, including any reinsurance requirements.
• Drafting and advice on policy terms and conditions.
• Advice on administrative and operational requirements, including outsourcing.

• Advice and assistance on achieved profits, embedded value, IASB fair value, UK and US GAAP accounting.

• Advice on taxation and financial reinsurance.

• Carrying out your life insurance company’s actuarial and/or with-profits actuary functions, where you do not have the necessary expertise in-house or you wish to outsource the statutory actuarial functions.
  
• Peer reviewing or carrying out an “actuarial audit” of your in-house actuarial or with-profits actuary functions.

• Assistance with the establishment of new life insurance companies, and changes to the authorisation of existing companies, including the preparation of business plans and applications to the FSA.

• Financial modelling, including stochastic modelling.

• Advice and commentary on FSA rules and guidance, and FSA or government consultations.

• Providing independent actuary and skilled person’s reports under the Financial Services and Markets Act 2000.

• Advice on investment strategies and the nature of investments, including the choice of investment manager, where investment management is outsourced.
• Asset liability management.

• Analysis of life insurance companies for flotation, placement, merger or acquisition purposes.

• Acting as an independent non-executive director.
• Being an external non-director member of your with-profits committee or, for firms without such a committee, providing an independent report on compliance with the Principles and Practices of Financial Management.

• Providing tailored training to your directors or senior management e.g. on actuarial or regulatory matters.

• As well as providing consulting services to companies throughout the UK we also act for clients in the Channel Islands.