The new century has been a period in which there has been enormous pressure on the insurance sector throughout Europe. The forces involved are crushing – asset values have plummeted; government and regulatory intervention has intensified; distributors are taking the lion’s share of income in key markets. The traditional operating model for insurers is unequal to the challenges the industry faces. New models must emerge.

Actuarial & Insurance Solutions are the specialist insurance and actuarial consulting group of Deloitte & Touche LLP, with offices throughout Europe and in Africa. We are committed to providing the skills, expertise and experience that will help our clients transform themselves. Our emphasis is on providing:

• the very best actuarial and consulting people, techniques and thinking, applied with the right focus to the commercial imperatives of our clients
• the ability to analyse markets, to give data-driven shape to their future and to translate these into the financial implications
• ever-improving understanding of risk patterns and risk drivers, not just for insurers but for financial services organisations more widely
• actuarial and business modelling software in the world, including TSM
• practical help, drawing on the world class professional services provided by Deloitte, in implementing the transformation programmes needed.