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Consulting Actuary

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Blog posts

Cost Versus Value
Apr 3, 2018

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Industries

Christopher M. Holt

Christopher M. Holt is a Consulting Actuary with Pinnacle Actuarial Resources, Inc. in the Atlanta, GA office. He holds a Master of Science Degree in Applied Mathematics from Florida State University and Master of Science and Bachelor of Science Degrees in Mathematics from Auburn University. He has over eighteen years of actuarial experience in the property/casualty insurance industry.

Mr. Holt has considerable experience in assignments involving loss reserving, loss cost projections, risk transfer analyses, and personal and commercial lines ratemaking.

Prior to joining Pinnacle, Mr. Holt was employed by a customer service company where his responsibilities included pricing and reserving of consumer electronics and appliance warranty business. His pricing duties included developing the structure and costing for programs supporting the extended service offerings in multiple retail clients.

Publications and Media

December 1, 2016 APEX Discussion Series
Insurance and Technology: Are You Prepared for the Coming Disruptions?
Authored by Legaré W. Gresham and Christopher M. Holt.

March 2014 - Apex Discussion Series
Service Contracts Warranties and Insurance
Authored by Christopher M. Holt.

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Case Studies

Competitive Analysis - Commercial Lines

Competitive Analysis - Commercial Lines

Pinnacle was approached by a major national commercial lines insurer to provide comprehensive competitive analysis of the businessowners policy (BOP) and commercial automobile insurance market places. Pinnacle’s analysis began with a comprehensive review of the products filed by the leading twenty insurers of these products examining coverage features, rating elements, tiering and scoring elements, unique coverage features and several other key product development elements. Following this initial step, Pinnacle performed detailed territory and premium comparisons for several states using a dynamic premium comparison engine that allowed investigation at the class, coverage amount and territory level of detail. The company used a batch rating feature to develop indicated rate level estimates. Mapping features looking at ranking and pricing differences were also produced. All of this information was incorporated into a countrywide overhaul of the company’s products and pricing.

Rate Indications / Filings

Rate Indications / Filings

A regional carrier came to Pinnacle wanting to implement an insurance score program along with rate indications for home, auto and farm. Pinnacle developed rate indications for each line, and developed an underwriting scorecard rating approach using insurance score as a critical component. The combination of implementing appropriate rates and the new rating plan enabled this company to turn their business around, become profitable and rebuild their surplus position.

Workers' Compensation

Workers' Compensation

Pinnacle was retained by a major national political organization to investigate the impact of several workers compensation reforms including: implementation of mandatory managed care, privatization of state workers compensation insurance funds and the permitting of private insurers to enter previously monopolistic workers compensation states. Our analysis looked at state-level differences in rate levels, insurer experience, coverage competition, the mix of medical and indemnity claims and numerous other metrics. The study was extremely well received and ultimately presented to more than half of the nation’s governors.

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