Our team delves into the detail of your business

Actuarial consulting services

We have a thorough understanding of the actuarial aspects of non-life, accident and health insurance, especially in Switzerland and Liechtenstein. Our insights help our clients in direct insurance and reinsurance comply with the Swiss Federal Law on Insurance Contracts (VVG), the Swiss Federal Health Insurance Act (KVG) and the Swiss Federal Accident Insurance Act (UVG).

Working as appointed actuaries

The scope of responsibility of “appointed actuaries” covers a wide variety of specialist topics and embraces all activities involving compliance with legal and regulatory provisions:

Our actuarial services cover quantitative areas of responsibility such as actuarial reserves, insurance risks or accounting based on mark-to-market values. But they also include qualitative tasks, from preparing regular expert reports through to identifying any inadequacies, immediately disclosing them to senior management, and then finding appropriate solutions. All these actuarial services are based on a professionally solid, personally committed, and ethically sound understanding of this responsible role.

For us, the extended scope of responsibilities described in the 2024 revision of the Swiss financial regulator’s Ordinance on the Supervision of Private Insurance Institutions (AVO-Finma) is nothing new across the industries we service. We have covered these areas of responsibility for years, because we regard them as a self-evident part of effective actuarial consulting services.

Business plans

As a company’s constitutional document, a business plan must be drawn up with due care and prudence. We are always ready to help you draft any sections involving actuarial considerations.

Actuarial practice

We are expert in and passionate about all aspects of actuarial practice (the fundamental skills of a professional actuary's career), including pricing, valuation and risk analysis as part of your financial reporting.

Risk and regulation in the insurance and financial services industries

For companies in all industries, identifying, monitoring and managing risks is a top priority. Working closely with you, we are ready to develop your own customised in-house model, ICS or risk management strategy.

Risk services

Solvency modelling requires an in-depth knowledge of the underwritten risks. Depending on the context, regulatory requirements may also come into play, such as the Swiss Solvency Test (SST) or solvency tests under the Health Insurance Act (KVG), Solvency II and Orsa. We manage the implementation, review and validation of (internal) risk models such as SST and Solvency II while ensuring that they comply with national and international regulatory provisions.

Where it makes sense or is necessary to do so, whether for risk or capital-related reasons, we evaluate, model and optimise new or existing reinsurance programmes in close consultation with you.

Regulation

The actuarial services offered by our experienced team include expert support for new business start-ups building up their workforce, run-offs, mergers and acquisitions, with particular focus on Switzerland and Liechtenstein. 

We also assist clients in implementing regulatory requirements applying to corporate governance and risk management.

Data and analytics for actuarial transformation

We manage projects using our own and third-party data to produce reliable forecasts, take appropriate actions, and evaluate the outcomes. To do so, we use a broad range of actuarial resources, ranging from traditional methods through to state-of-the-art models for data collection, data analytics and deep learning. As responsible actuaries, cybersecurity is, of course, a top priority.

For us, data and analytics are not so much a service as a craft we have mastered. Based on the latest technology, our actuarial systems provide you with the business transformation platform you need. The people mentioned above will be happy to answer any questions you may have (areas we do not cover include transaction and transformation consulting, investment consulting, actuarial robotics and offshoring).