FCAS, MAAA, CSPA Senior Consulting Actuary
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Autonomous Vehicles and the Future of Auto Insurance Mar 27, 2018
Data Breach at Equifax Sep 26, 2017
Cyber Risk Continues to Grow Apr 18, 2017
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Ms. Maxwell currently serves the Casualty Actuarial Society (CAS) as a member of the Examination Committee, member of the Cyber Risk Task Force, member of the Working Party on On-Demand Insurance, Chair of the Webinar Committee and Secretary/Treasurer of the Casualty Actuaries of the Bay Area.
Prior to consulting she was a product manager for a direct auto insurer and held actuarial positions with a state insurance department and national rating bureau. Her background includes personal and commercial lines pricing and reserving.
December 2017 APEX Webinar Actuarial Standards of Practice Update Authored by Laura A. Maxwell and John E. Wade.
July 18 2017 APEX Discussion Series ORSA: Has Anything Changed? Authored by Laura A. Maxwell and John E. Wade.
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Capital Allocation
A reinsurer wanted to compare technical treaty prices using varying capital allocation methodologies. A Pinnacle actuary assisted in the design of a model that used standard allocation methodologies, capital allocation based on marginal impacts to rating agency required capital, and recent ideas in capital consumption / utility theory. The result was a pricing model that highlighted the sensitivity of expected ROEs to the chosen capital allocation method and allowed underwriters to make more informed decisions.
Medical Malpractice PCF
Pinnacle has developed an excellent working knowledge of patient compensation and birth-related injury funds in many jurisdictions, including Florida, Indiana, New Mexico, Ohio, Virginia, and Wisconsin. In several of these states, we not only complete regular rate indications and loss reserve analyses, we are frequently involved in legislative costing of proposed laws that may impact the fund. These proposed laws have included addition, modification and removal of damage caps, changes to primary coverage limits, revisions to program eligibility or mandatory coverage requirements, and program benefits changes. In all of these states, policymakers have benefitted from Pinnacle’s expert analysis, understandable reports and insightful advice.
Product Development
Pinnacle was retained to develop a long haul trucking pricing model for risks with more than 100 powered units. Using publicly available information, a model that incorporated elements of both exposure and experience rating was developed that incorporated differences in geographic location, cargo and trailer type, radius of operations, driver characteristics, prior claims experience, prior insurer, self insured retention, driver characteristics and several other elements. The program was implemented and has become an essential part of a very successful program.
At Pinnacle, we partner with you to explore whatever path it takes to find the answers you need.
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July 24, 2018 MCIA
July 26, 2018 IABA