Reserving — Property & Casualty


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Among the primary services Milliman offers are independent evaluations of loss, expense, and premium reserves for use in internal profitability analysis, as well as in annual financial reports and Statements of Actuarial Opinion. In carrying out these analyses, we consider the effects for changes in the external environment (market shifts, economic trends, and regulatory/legal issues) as well as internal operational changes affecting underwriting and claims-handling practices. Our expertise includes groundbreaking work in reserving for asbestos and environmental liabilities. Our experts have produced major research papers dealing with issues such as reserving for extreme events as well as major one-off catastrophes such as the events of September 11. We have also developed sophisticated modelling techniques to help assess the uncertainty in an insurer's reserves.

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