Actuarial & Insurance Solutions (AIS)

Deloitte AIS leverages deep expertise in actuarial software and model development to assist insurers with model implementation, pricing & valuation, conversions, validation, and ongoing maintenance for a great variety of products across different regulatory regimes.

Our specialists provide actuarial valuation and modeling services across Bermuda’s EBS and BSCR, Cayman’s PCR, US GAAP, US STAT, LDTI, and IFRS 17, with coverage of a wide range of life and annuity products.

Our team leverages deep expertise in actuarial software and model development to assist insurers with model conversions, new product modeling, validation, documentation, and ongoing optimization—ensuring accuracy, efficiency, and strategic insight.

We also provide Appointed Actuary services, which helps ensure that companies remain financially secure, meet regulatory standards, and can meet policyholder obligations.

Capital management enables insurers to strategically balance regulatory compliance, risk appetite, and investment return through efficient capital structuring and performance alignment. Meanwhile, we have deep expertise in regulatory frameworks within leading offshore jurisdictions, including Bermuda and Caribbean regions.

Our professionals add value by integrating actuarial modelling, reinsurance strategy, transaction analysis, and governance support to unlock capital efficiency and enhance stakeholder confidence.

We provide training and guidance to licensed insurers and new entrants, helping them navigate complex requirements with confidence. Our strong relationships with regulators and industry participants keep us ahead of evolving practices, enabling us to share timely insights with clients. We support new insurers in assessing jurisdictional benefits and navigating licensing processes, offering advice on industry practices, feasible insurance structures, and permitted approaches. Drawing on experience from multiple jurisdictions, we also deliver independent reviews and assist with regulatory submissions — giving clients assurance and clarity in meeting compliance obligations.

We offer specialized actuarial support for M&A activities through rigorous due diligence.

We conduct comprehensive assessments to evaluate financial and regulatory risks, validate key assumptions, and ensure accurate valuations. Leveraging our global network and deep industry experience, we guide clients through integration complexities while identifying and unlocking potential value.

Our specialists assist reinsurers in shaping and improving their reinsurance strategies for in-force business and new deals.

We help identify underperforming or capital-intensive blocks, assess reinsurance and restructuring options, and evaluate the feasibility of new reinsurance arrangements during deal onboarding. Our approach combines actuarial modelling, data analytics, and regulatory insight to enhance capital efficiency, unlock trapped value, and support informed decision-making throughout the reinsurance lifecycle.

We deliver industry-leading services for Insurance-Linked Securities.

Our services include thorough catastrophe claims reviews and expert loss reserve management. We provide Cat Bond sponsors and investors with independent assurance and guidance in navigating this complex market. Our continued involvement offers access to an extensive database of benchmarks and valuable industry insights.

Our specialists provide a full suite of independent actuarial opinion services to meet regulatory requirements and deliver meaningful insights to Boards and stakeholders across jurisdictions.

In Bermuda, we offer Approved Actuary services for long-term insurers, providing independent opinions on the adequacy of Technical Provisions as required by the BMA. Our approach goes beyond compliance, delivering robust analysis of reserve adequacy, methodologies, and governance, supported by cross-functional expertise in risk and investment. In addition, we act as Loss Reserve Specialists (LRS) for captives, delivering independent reserve opinions and regulatory compliance backed by deep actuarial expertise.

In Cayman, we deliver Peer Review Actuary services and independent reserve reviews, supporting regulatory submissions and strengthening governance frameworks. These services help clients meet local requirements confidently while maintaining transparency and solvency oversight.

We are proficient in a range of programming languages such as SQL, SAS, Python, and R. We also have experience in developing dashboards that provide clients with actionable insights and a deeper understanding of their data, enabling them to address complex business challenges effectively.

We help insurers modernize actuarial functions through advisory and tech solutions that streamline operations and enable scalable growth.

We provide advisory and technology implementation services to modernize actuarial and insurance operations — spanning underwriting, valuation, and reporting — by streamlining processes, automating workflows, and deploying advanced systems. Our teams leverage deep expertise to design and implement Target Operating Models that utilize the latest technologies to meet stakeholder needs, uncover hidden opportunities, enhance efficiency, and scale for long-term global growth