Clients
 Merlinos
& Associates, Inc. provides property/casualty and health actuarial
consulting services to many entities associated with the insurance
industry. Our services can be beneficial to any organization that is
looking for loss or funding analysis of their insurable exposures.
Because of our size, experience, resources and abilities to provide
valuable input on a wide range of management issues, our client list
spans the entire spectrum of the insurance industry.
Our clients include:
Insurance Companies
- Reserve Analysis
- Actuarial Statements of Opinion on Loss Reserves
- Pricing and ratemaking
- Product development and management
- Database development and management
- Accounting
- Reinsurance structure analysis
- Reinsurance risk transfer analysis
Reinsurance Companies
- Commutation analyses of runoff blocks of standard and latent injury
liabilities
- Setting up excess of loss pricing models
- Underwriting and pricing
- Actuarial Statements of Opinion on Loss Reserves
Reinsurance Brokers
- Actuarial Statements of Opinion for brokers’ clients when they
have introduced our services as a value added benefit
- Assistance in the negotiations between ceding company and
reinsurers
Insurance Producers / Managing General Agencies (MGA)
- Reserving and profitability of the agent’s block of business
- Procurement of support from new insurance companies
- Assist on expansion into other states
- Provide the support for their loss cost multiplier filings
Law Firms
- Provide expert testimony and litigation support for law firms in
a wide variety of situations. A small sample of these situations are
listed below:
- Federal tax case
- Appropriate charge for UM/UIM coverage on a specific policy
- Potential lawsuit to require a multi-billion dollar mutual to
distribute a significant portion of their surplus in dividends
- Actuarial professional malpractice
- Accounting professional malpractice
Captives and Risk Retention Groups
- Actuarial feasibility studies
- Pricing and underwriting
- Reinsurance structure analysis
- Reserve analysis
- Dividend analysis
- Regulatory compliance support
Self-Insured Entities (Individual and Group)
- Provide reserving and funding assistance for multiple lines,
including health
- Assist in FASB and GASB compliance
- Assist in negotiations with excess insurance carriers on pricing
and program structure
State Regulatory Agencies (State Departments of Insurance, Liquidation
Bureaus, Departments of Labor/Industrial Relations)
- Provide financial examination assistance, rate filing reviews
and public policy assistance to state insurance departments related
to property/casualty and HMO companies
Performed roughly 75
examinations during the past three years and over 275 since 1990
Below is a list of state insurance departments with which we have
a variety of relationships. These relationships include contractual
agreements, services provided on an as-needed basis with M&A as the
primary actuarial firm, services provided through selection from an
"approved list,” as well as services provided on an ad hoc basis
Current States where our Consultants have performed work since
2002:
Alabama *
Florida
Georgia
Illinois
Indiana *
Maine
Maryland *
Massachusetts
Michigan
* Continuous Basis
|
Mississippi *
Nebraska
Nevada
New York
Rhode Island *
South Carolina*
Wisconsin *
Wyoming
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Third Party Administrators
- Perform reserve studies and dividend analyses on individual and
group self-insureds.
Examination Firms
- Worked with many of the major firms that provide examination
assistance to state insurance departments for the financial
examinations of their domiciled insurance companies.
Accounting Firms
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