L&E understands the complexities of regulating life, health and property & casualty insurance companies. Our consultants have built their careers observing and facilitating the process of establishing new and maintaining current regulatory standards. We know what you are up against and are ready to help with a blend of technical expertise, industry experience, practical judgment and effective communication. Our services include the following:
STATE INSURANCE DEPARTMENTS:
- Actuarial Opinions relating to adequacy of policy reserves with respect to periodic examinations of insurance companies. Includes reinsurance review and analysis as well as analysis of company asset adequacy.
- Transaction Approval Process Assistance including demutualizations or company financial condition review relating to license or charter applications.
- Product and Rate Increase Filings Review for life and health insurance products as well as personal and commercial property and casualty insurance products.
GUARANTY ASSOCIATIONS:
- Accurate Valuation Preparation relating to blocks of business or impaired insurance companies. L&E is an industry leader in mergers and acquisitions.
- Locating Potential Buyers and Reinsurers for blocks of businesses and companies
OTHER REGULATORY AGENCIES:
- Company Tax Reserves and Liabilities Reviews used in the determination of federal income taxes. Qualifications include the ability to review the capitalization and amortization of deferred acquisition costs.
- Determination of Contract Qualifications for life insurance products as defined by the Internal Revenue Code.
- Proposed Law and Regulation Reviews before enactment or adoption by state legislature and insurance commissioners to ensure consistency with National Association of Insurance Commissioners models. L&E actuaries keep current with model laws and regulations purposed by the NAIC.
- State Self-Insurance Program Reviews and Valuations necessary to ensure such programs are adequately funded.
- Expert Testimony on your behalf in legal arguments.
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