FCAS, MAAA, CSPA
Principal and Consulting Actuary

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Roosevelt C. Mosley Jr.

Roosevelt Mosley is a principal and consulting actuary with Pinnacle Actuarial Resources and has been in the property/casualty industry since 1994. His skill set includes predictive analytics applications for all insurance functions, ratemaking and product development, competitive analysis and litigation support.

He serves as a member of the Casualty Actuarial Society’s (CAS) and Society of Actuaries’ Joint Committee on Inclusion, Equity and Diversity, the board of trustees of the Actuarial Foundation and the CAS Public Relations Advisory Committee. He also serves as a member of the American Academy of Actuaries (AAA) Racial Equity Task Force.

He is the current president-elect of the CAS, has served as vice president of marketing and communications and on the board of directors of CAS, a member of the board of directors of the International Association of Black Actuaries Foundation, and a member of CAS and AAA governance task forces.

Publications and Media

Case Studies

Catastrophic Risks

Catastrophic Risks

Pinnacle was retained by an insurance company specializing in catastrophic risk to identify and test alternative sources of risk financing capacity including traditional reinsurance and catastrophe bonds. In order to complete the project, Pinnacle designed a dynamic financial model to determine the cost/benefit of alternate risk financing strategies.

Underwriting & Tiering Analysis

Underwriting & Tiering Analysis

A single state auto insurance writer hired Pinnacle to address its current rating and tiering program. We removed unnecessary underwriting restrictions and more adequately priced risk classes, which allowed the insurer to experience significant, profitable growth.

When we began, the company’s existing tiering design was only based on a few factors, including ones that significantly overlapped with the rating plan. When combined with the underwriting rules, the design was punitive and limited writable business. Through predictive modeling, we helped design a new tiering structure and applied an underwriting scoring approach to eliminate rating plan overlap and remove the overly punitive parts of the plan.
 

Vehicle Rating

Vehicle Rating

Pinnacle was approached by a major national personal lines insurer to develop a vehicle rating program to replace the use of the ISO symbol product. Pinnacle, through the use of predictive modeling, assisted the carrier in designing a new vehicle rating program which made use of the vehicle’s actual physical characteristics for both the liability and physical damage coverages. The data used for the analysis was the company’s VIN data supplemented with industry VIN data and appended for vehicle characteristics from an external third party vendor. The resultant program completely eliminated the need for use of the ISO symbol and exhibited greater predictive power than the prior ISO based system.

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