Pricing checkups
- Large national insurer: met with pricing stakeholders including systems team to understand current approach to pricing; recommended changes that would improve profitability and align with industry modeling best practices
- Small Ontario mutual: met with pricing stakeholders including business development and underwriting teams to understand current approach to pricing; recommended changes that would improve pricing accuracy and enable better decision making through improved portfolio monitoring
Pricing new products
- Flood insurance: developed national pricing for first-in-Canada residential flood insurance product
- Auto endorsements: developed pricing for first-in-Ontario personal lines endorsements including minor conviction waiver and rideshare coverage
Filings
- Submitted numerous rate filings including to introduce a new rating algorithm, new rating territories, auto reform, and telematics
Original research
Practical pricing-related papers published in Variance, the peer-reviewed journal of the Casualty Actuarial Society. The insights from these papers can be used by P&C insurers to make better product and pricing decisions:
- Prospect theory and the appeal of catastrophe bonds (April 2024): https://variancejournal.org/article/116786-prospect-theory-and-the-appeal-of-catastrophe-bonds
- Euler allocation for performance measurement (November 2022): https://variancejournal.org/article/39642-euler-allocation-for-performance-measurement
Presentations
Presentations to actuarial, regulatory and academic audiences include:
- Territory pricing considerations – Canadian Auto Rate Regulators Conference (CARR Symposium), Quebec City, September 2024
- Small business insurance and ChatGPT – Ontario Actuarial Meeting (OCCA Fall Meeting), Toronto, November 2023
- Euler allocation for performance measurement – Risk and Insurance Studies Centre Industry Colloquium, Toronto, October 2023
- AI & Insurance – Zurich North America Actuarial Event, Schaumburg, Illinois, June 2023
- Innovation and disruption in auto insurance: a pricing actuary’s perspective – Canadian Auto Rate Regulators Conference (CARR Symposium), Virtual Webinar, September 2022
- Launch of overland water in Canada – Ontario Actuarial Conference (OCCA Spring Conference), Toronto, May 2015