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, Inc. and has 22 years of property and casualty actuarial experience. His skill set includes predictive analytics applications for all insurance functions, ratemaking and product development, competitive analysis and litigation support. Roosevelt is a Fellow of the Casualty Actuarial Society (FCAS), a Member of the American Academy of Actuaries (MAAA) and holds the designation of Certified Specialist in Predictive Analytics (CSPA). He serves as the Vice President of Marketing and Communications for the CAS. In addition, he serves on the American Academy of Actuaries (AAA) Auto Issues Committee and the Price Optimization Task Force. He has also served as a member of the Board of Directors of the CAS, the Board of Directors of the International Association of Black Actuaries, and CAS and AAA Governance Task Forces.

Publications and Media

February 2017 APEX Discussion Series
Using Predictive Analytics to Understand Your Claims Process
Authored by Linda K. Brobeck and Michael K. Chen and Roosevelt C. Mosley Jr..

November 17, 2016 APEX Discussion Series
Predictive Analytics: How Do You Choose From a Sea of Options?
Authored by Thomas R. Kolde and Roosevelt C. Mosley Jr..

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Case Studies

Baltimore Territory Issues

Baltimore Territory Issues

In 2006, Pinnacle was retained by a group of several automobile insurance companies representing a significant share of the Maryland automobile insurance market to conduct an independent actuarial analysis of the Abell Foundation report, Actuarial Discrimination: City Residents Pay Up To 198% More For Car Insurance Than County Residents (Abell report). This report discusses many factors which contribute to higher automobile insurance rates in urban areas than rural areas with particular emphasis on Baltimore and attempts to quantify the magnitude of this as noted by the title of his report.

Florida Automobile No-Fault Impact Analyses

Florida Automobile No-Fault Impact Analyses

In 2006 and 2007, Pinnacle was retained by Floridians for Lower Insurance Costs (FLIC) to conduct independent actuarial studies to determine the cost implications on the Florida Health Care system from various changes to the Florida No Fault Law.

First in 2006 we conducted an independent actuarial study to determine the cost implications of repealing Florida’s current no-fault law. Pinnacle also priced first party medical payments benefits of $2,500, $5,000 and $10,000 as replacements for current personal injury protection (PIP) benefits.

Then in 2007, Pinnacle determined the impact that would result from the sunset of Florida’s current no fault law. Pinnacle also determined what current PIP insurance costs will be absorbed by other insurance programs compared to costs that will go unreimbursed since the current PIP coverage will be eliminated at the time that no fault is sunset. Pinnacle testified before the Florida House Committee Working Group on Insurance in support of the analysis. The Florida No Fault Law was sunset only to be reenacted immediately thereafter.

Minnesota Automobile No-Fault Impact Analyses

Minnesota Automobile No-Fault Impact Analyses

The Insurance Federation of Minnesota retained Pinnacle in 2006 to conduct an independent actuarial study to determine the possible cost implications of changing Minnesota’s current no-fault law. The scenarios were:

  • A complete repeal of the no-fault law, which would be replaced with a tort system including mandatory liability insurance. We also priced first party medical payments benefits of $2,500, $5,000 and $10,000 as replacements for current personal injury protection (PIP) benefits.
  • Implementing a medical fee schedule. This option would consider two different fee schedules: the Minnesota Worker’s Compensation fee schedule, and 115% of the Medicare fee schedule.
  • Introducing a Michigan-style verbal threshold implementation with several PIP limit options.
  • Capping treatments on soft tissue injuries to $2,500.
  • Making alternative care optional for an additional premium.
  • Reducing the PIP benefit limit from $20,000 each for the separate medical and non-medical limits (with $40,000 of coverage total) to $10,000 for each separate sub-limit. This would also include an additional $10,000 of coverage for “trauma care.” 

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