Actuarial Services

Where actuarial rigor meets strategic business management

MCA Actuarial delivers forward-thinking actuarial solutions that help insurers thrive in a rapidly changing market. From rate indications and reserve reviews to filing support and loss driver modeling, we provide core services that form the foundation of smarter decision making.

But we don’t stop there.

Our team combines deep actuarial expertise with business insight to craft strategies that drive profitable growth and long-term stability, so you can lead with confidence in any market environment.

“Through our partnership with MCA, we have taken our actuarial processes to the next level in a seamless manner, managing our pricing analytics, rate decisions and filings in a much more efficient and effective way. I truly can’t say enough about our experience working with the MCA team, their actuarial expertise, level of experience and the guidance for our product team has been tremendous. We’re looking forward to what we accomplish together in the years ahead.”

Jim Reagan

Vice President Product & Regulatory Compliance | Farmers of Salem

The MCA Difference

We start by listening

We seek to understand how your business and marketplace is unique. This helps us improve the accuracy of our actuarial projections.

We analyze drivers and trends

We dig deeper to identify underlying drivers and trends. When we uncover a trend in large loss activity or reserving patterns, we help you understand why these patterns are emerging.

We deliver holistic, practical solutions

We recommend solutions that are broader than the overall rate change or reserve adjustment. Depending on the true drivers, a more robust solution including product, underwriting, billing, or other strategic changes can set your business up for sustainable profitable growth.

We help your team implement, monitor, and adjust

We partner with you through implementation and monitoring of the change. We will formulate expectations of the change and work to ensure the impacts are materializing, recommending additional adjustments as necessary.

Actuarial Solutions

Rate
Revisions

Confidently navigate the rate revision process with expert, data-driven support.

MCA’s Rate Revision Solutions help insurers design, justify, and implement rate changes that balance profitability, competitiveness, and regulatory compliance. Our actuarial team partners with carriers to deliver end-to-end support, from analyzing loss trends and developing indications to preparing filing documentation and engaging with regulators.

We use advanced analytics, market intelligence, and proven actuarial methods to ensure rate changes are fair, defensible, and aligned with business goals. MCA’s approach emphasizes transparent communication and practical recommendations, making complex analyses accessible for stakeholders and strengthening your case with regulators.

Whether you need a full rate review, targeted refinement, or ongoing rate monitoring, MCA provides the expertise and tools to help you manage your pricing strategy with confidence.

Reserving / Appointed Actuary

Reliable, transparent, and actionable reserving support for insurers.

MCA’s Reserving Solutions help carriers establish, evaluate, and communicate loss reserves with confidence. Our experienced actuarial team delivers rigorous analyses using industry best practices and advanced methods to ensure your reserves are adequate, defensible, and aligned with business strategy and regulatory expectations.

We provide tailored support for statutory reserve reviews, quarterly and annual analyses, assumption development, scenario testing, and management reporting. MCA emphasizes clear, transparent documentation and collaborative communication, making complex reserving results accessible for executives, boards, auditors, and regulators alike.

Whether you need Appointed Actuary support (including annual statement opinions, reserve analyses, regulatory communication, and board presentations) quarterly reserving outsourcing, peer review, or ad hoc analysis, MCA delivers the actuarial expertise you need to manage risk and maintain financial strength.

Fractionalized Actuarial Leadership

Trusted actuarial executives add to your leadership team.

MCA’s Fractional Actuarial Solutions provide insurers with experienced, credentialed actuarial support on a flexible, cost-effective basis. Whether you need to meet regulatory requirements, fill leadership gaps, or strengthen your actuarial oversight, our team delivers independent, expert guidance aligned with your business goals.

Our actuaries operate as an extended member of your leadership team, bringing external perspectives to strategic discussions, collaborating with your team on pricing reviews, preparing views for reinsurers or rating agencies, as well as mentoring or up-skilling internal staff. MCA’s approach emphasizes collaboration, clear communication, and practical recommendations to help insurers manage risk, maintain compliance, and drive profitable growth.

With MCA, carriers gain the confidence of seasoned actuarial leadership without the overhead of a full-time hire, ensuring you have the right expertise, exactly when you need it.

Actuarial Ad Hoc
Projects

Flexible, expert support for your most pressing actuarial needs.

MCA’s Actuarial Ad Hoc Project Solutions deliver expert insights on demand, giving you the flexibility to address pressing challenges without the need for long-term commitments. Whether you’re tackling pricing updates, reserve reviews, regulatory filings, or market analysis, our seasoned actuaries provide data-driven solutions tailored to your unique needs.

We combine deep actuarial expertise with a proactive approach, delivering precise, actionable insights that empower you to make confident decisions. With rapid turnaround and customized analysis, MCA helps you stay ahead of emerging trends, mitigate risk, and seize opportunities. Trust our team to deliver the insights you need, when you need them, to drive profitability and maintain compliance.

Predictive
Modeling

Turn data into competitive advantage with MCA’s Predictive Modeling Solutions.

MCA partners with insurers to design, build, and deploy predictive models that improve pricing precision, underwriting effectiveness, and overall profitability. Our actuarial experts combine advanced analytics with deep industry knowledge to develop transparent, regulatory-ready models tailored to your business goals.

From data preparation and model development to implementation support and integration with platforms like Akur8, MCA offers end-to-end solutions that empower insurers to make smarter, faster decisions. We also deliver hands-on training and knowledge transfer to build sustainable internal capabilities, helping your team maintain and evolve pricing sophistication over time.

With MCA, insurers modernize their modeling workflows to achieve better segmentation, improved risk selection, and sustained market competitiveness.

Valuation /
M&A

Navigate transactions with confidence. MCA’s Valuation and M&A services provide insurers with rigorous, independent, and actionable insights to support strategic decisions.

We deliver clear, defensible analyses tailored to insurance industry needs, from traditional actuarial appraisals to dynamic transaction support. Our team combines deep actuarial expertise with market insight to help carriers, investors, and intermediaries understand value drivers, assess risk, and identify opportunities in M&A scenarios.

Whether you’re buying, selling, or restructuring, MCA provides customized solutions, including embedded value assessments, loss reserve analyses, pro forma financial modeling, and strategic due diligence. We work closely with clients to ensure transparent assumptions, regulatory awareness, and clear communication for boards, investors, and regulators.

Count on MCA for actuarially grounded, industry-specific valuation and M&A support that helps you make better-informed, strategically sound decisions.

Claims
Analytics

Transform your claims data into actionable insights that improve performance, reduce costs, and enhance customer experience.

MCA’s Claims Analytics Solutions help insurers unlock the full potential of their claims data with actuarial analysis. We partner with carriers to identify drivers of loss costs, benchmark performance, and develop predictive models for claim frequency, severity, and settlement outcomes.

Our services support better reserving, fraud detection, and operational efficiency by pinpointing trends, outliers, and process improvement opportunities. MCA delivers tailored dashboards, clear reporting, and hands-on guidance to ensure insights translate into measurable results.

From strategy to implementation, MCA helps you manage claims more intelligently, improving outcomes for your business and your policyholders.

Exposure
Management

Gain clarity and control over your risk portfolio with MCA’s Exposure Management Solutions.

MCA helps insurers understand, measure, and manage their exposure across lines, geographies, and perils. Our actuarial experts deliver robust analyses that identify concentration risks, model catastrophe scenarios, and support reinsurance strategy. We work with carriers to design custom frameworks that align with regulatory requirements and internal risk appetites, ensuring transparency and defensibility in decision-making.

From portfolio segmentation and stress testing to reinsurance optimization and reporting, MCA provides the insights and tools insurers need to proactively manage volatility, protect capital, and achieve strategic growth objectives.

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