I provide comprehensive insurance pricing and risk assessment services to help insurers accurately price their products and manage risk portfolios. My analysis combines actuarial expertise with advanced statistical modeling to deliver actionable insights.

Key services I offer:
• Life and non-life insurance product pricing
• Risk classification and underwriting analysis
• Mortality and morbidity risk assessment
• Reinsurance optimization strategies
• Capital adequacy analysis (Solvency II, RBC)
• Claims reserving and IBNR estimation
• Experience rating and credibility analysis

My pricing methodologies incorporate the latest industry data, emerging trends, and regulatory requirements to ensure competitive yet profitable product offerings. I work closely with underwriting teams to develop risk-based pricing structures that balance profitability with market competitiveness.