Life Insurance

Rudd and Wisdom provides a wide range of actuarial and management consulting  services to life insurance companies and fraternals.   Our life insurance division now serves clients domiciled coast to coast and licensed in over 40 states.

Product Design and Pricing

Initial product design, determination of appropriate balance between competitive and profitable rate structures and effects on surplus

Policy form design and state insurance department filing

Profitability Analysis

For existing blocks of business, analysis of profitability and timing of release of surplus

Merger and Acquisition Consulting

Valuation of blocks of business for sale or purchase

Financial Statement Preparation

Preparation of entire financial statement or actuarial entries for statutory and GAAP financial statements, including asset adequacy tests

Agency Compensation

Consultation on issues of agency structure and compensation issues; relationship to product design, pricing, profitability and market penetration.

Management Consulting

Consultation on issues relating to insurance company operations.

How can we be of service?  Let our experts know.

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