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Statements of Actuarial Opinion at Year-End 2016
Aaron Hillebrandt February 02, 2017 Posted in: Blog Posts, Apex Webinar
On January 27, 2017, Pinnacle’s Managing Principal Joe Herbers and I co-presented January’s APEX webinar, “Statements of Actuarial Opinion at Year-End 2016.” We discussed topics ranging from Statement of Actuarial Opinion (SAO) best practices to what is changing for year-end 2016 SAOs. Required changes for SAOs that are under the regulation of the National Association of Insurance Commissioners (NAIC), may be found in the Official NAIC Annual Statement Instructions. For year-end 2016, the changes are not significant and focus on clarification of reporting requirements.
The Impact of Autonomous Vehicles on the Insurance Industry
Multiple Authors January 11, 2017 Posted in: Blog Posts, Apex Webinar
Just before the holidays we presented an APEX webinar on autonomous vehicles and their impact on the insurance industry. We would like to thank everyone who was able to participate. We discussed a wide array of topics ranging from platoon formations to legislative actions. We would now like to respond to some of the participant questions we received and share the results from our last polling question.
Insurance and Technology: Are You Prepared for the Coming Disruptions?
Multiple Authors December 08, 2016 Posted in: Blog Posts, Apex Webinar, Insurance / Insurers
Last week we presented an APEX webinar on changes in technology that will impact the insurance industry in the coming years. We would like to thank everyone who participated and responded to our polling questions, and we’ll now answer a few participant questions we lacked sufficient time to address during our presentation.
Erich Brandt

What is Material Adverse Deviation?

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What is Material Adverse Deviation?
Erich Brandt September 15, 2015 Posted in: Blog Posts, Apex Webinar
This past January, Pinnacle presented an Apex webinar on the “Statements of Actuarial Opinion – Year End 2014” which discussed considerations when creating or reviewing a Statement of Actuarial Opinion (SAO) focusing on changes in the National Association of Insurance Commissioners (NAIC) guidance memo. Feedback from this presentation indicated that future discussions of the Risk of Material Adverse Deviation (RMAD) section of the SAO, as well as how to interpret the role of the Chief Risk Officer (CRO) in assessing a company’s risk profile may be useful expansions of this general topic.
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