Mortality and Underwriting Expertise
Underwriting Support
In today’s dynamic environment, underwriting needs change regularly. HLR America is here to be your sounding board and to offer valuable and practical capabilities to meet the challenge whether your need is a sound facultative program, tapping the power of HLR America’s mortality database to examine your underwriting criteria, or just kick around an idea. Whether the need is big or small, you’ll have the attention of an industry leading expert backed by access to a wealth of data.
Actuarial Support
Successful products require compelling product design combined with sound assumptions and analysis, both before and after issue. Data is the key to success. HLR America maintains one of the industry’s largest databases of insured mortality data. Comprising trillions of exposure years of data from over fifty direct writers, our data combined with investment in the tools to study and synthesize it give a valuable competitive edge to HLR America’s clients.
Our key customers can tap Summit, our proprietary mortality assumption application, to assist in development of assumptions for pricing, acquisition, or valuation purposes. Or, access our vast database of experience to evaluate the cost/benefit tradeoffs of potential underwriting re-design.
Beyond our data, the HLR America team can use our investment in tools and analytics to tap the value of your data. Need an in depth look at your own experience? Our dedicated experience study staff can use our tools and applications to provide it for you. Want that experience benchmarked against the industry and an index of your key competitors? No problem. Need support for your x-factors or other regulatory support? Take advantage of our capabilities here and wrap a detailed stochastic analysis around the experience study.
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