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Individuals generally purchase insurance products from commissioned agents or brokers.

These professions generally do a good job of serving the interests of their clients.  However, the structure of their compensation arrangements makes complete objectivity difficult to achieve.

I have been involved in designing and pricing life and health insurance products since the late 1970’s.  I know what assumptions and methods are used to calculate the premium rates.  I can compare alternative products and help determine which is most favorable for each prospective buyer.  When large amounts of premium are involved such an objective analysis can often be valuable.

I can also help with appraisal valuations on assets that involve future contingent cash flows.  Actuaries do these types of projections every day.

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