Insurance Companies

Merlinos & Associates, Inc. has worked with insurance companies of all sizes. From small single state, single line companies to larger, nationwide, multiple line insurance companies. We offer the following services regardless of size:

Loss Reserving

• Quarterly and/or Annual Reserve Analysis of Loss and Loss Adjustment Expenses

Actuarial Statements of Opinion

Rate Studies and Rate Filings for Insurance Companies

• Program structure development, class relativity analysis and competitive analysis
• Actuarial memoranda and supporting exhibits for statutory compliance       

Litigation Support and Expert Testimony

• Expert testimony in rate and examination hearings as well as Federal Tax Court and other courts.
• Pre-hearing testimony related to formal hearings
• Expert witness assistance

Risk Based Capital Analysis

Regulatory and Compliance Consulting

Data Management Expertise

Development of Underwriting and Production Models

Development of Pro Formas and Acquisition Models

other services:

State Insurance Departments

Alternative Risk Transfer Programs

Traditional Insurance Programs

Reinsurance