Actuarial
Our Actuarial staff is comprised of industry experts who have had long-standing careers with major Insurance carriers, holding various Senior Management positions including Executive Vice President, Chief Financial Officer and Chief Actuary. We "sat in your chair" and understand your needs. DIS will provide you with the information you need to profitably manage your product line.
Product Pricing and competitive analysis
Maintenance of experience morbidity tables
Management and financial reporting
Strategic analysis
Reserving - active life and claims
Reinsurance analysis
Cash flow projections and business valuations
Marketing and Sales Support
Whether it entails onsite presentations for employer groups or developing content for product marketing materials, DIS is there to support you. Because we build and service disability products, DIS staff are the best resources to explain how the coverage will work when it is needed.
Underwriting
Full underwriting, Guarantee Issue, Simplified Issue; DIS understands the fine balance between getting business on the books and protecting against anti-selection. Asking the right questions, establishing appropriate guidelines for your target market and monitoring results are essential items in assessing risk and ensuring profitable business. DIS can provide some or all of the following services, according to your needs:
Application design and drafting
Underwriting guidelines
Group
Medical
Financial
Underwriting outsourcing
Operational audits and training