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Life Assurance

AIS are currently the statutory actuaries to a number of South African life insurers and have assisted in the actuarial audit of several other insurers. We also have a number of actuarial appointments across Africa. We provide a complete actuarial support in respect of valuation, product development, strategic advice and other support services for our offices with no internal resources. A more limited role consisting of review and independent sign off of the statutory valuations and returns can be performed where the company has strong actuarial resources. We also have a number of large clients for whom we provide services such as embedded value reviews, merger and acquisition advice, process reviews and risk reviews.
In particular we assist with the following:

  • Ensuring that new business development is compliant, financially sound and appropriate for the target market;
  • Ensuring that internal business planning considers appropriate use of financial modelling including stochastic analysis and scenario testing where appropriate;
  • Ensuring that solvency is adequately measured and managed
  • Ensuring that suitable levels of skill are maintained
  • Drawing up of investment mandates and monitoring of their compliance.

We are often highly involved with the risk management processes of the insurers for whom we work and include a section on risk within our valuation.

Our services offered include:

  • Statutory valuation and appointed actuary services
  • Product development
  • Reserving for guarantees
  • Capital management and modelling
  • Experience analyses
  • Profit reporting
  • Embedded and appraisal values
  • Risk analyses
  • Stochastic projections
  • Fair value accounting
  • Executive training
  • Country assessments
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