Consulting Actuary

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John E. Wade

John Wade is a Consulting Actuary with Pinnacle Actuarial Resources, Inc., managing the Indianapolis, Indiana office and has been providing actuarial consulting services since 1994, after having been employed by two primary carriers from 1978 - 1994. His practice is concentrated in providing reserving, funding and pricing studies for a wide variety of clients, including insurance companies, trade organizations, public entities and regulators.

His skill set includes loss reserving and rating for most lines of business, liability assessment for various funds, hands-on interaction with regulators, and project management. Mr. Wade is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. He serves or has served on the Nominating Committee, the Casualty Loss Reserve Seminar Planning Committee (Vice Chairman 2016-Present), the University Liaison Program, the Committee on Professionalism Education and the Membership Advisory Panel Committee of the Casualty Actuarial Society, as well as the Emerging Issues Task Force of the Casualty Practice Council of the American Academy of Actuaries. Mr. Wade often speaks at industry events. He has actively mentored college actuarial students as well as young actuarial candidates already in the professional work force.

Publications and Media

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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Case Studies

Competitive Analysis - Personal Lines

Competitive Analysis - Personal Lines

A strong commercial lines company wanted to expand their personal lines writings in the Midwest. They wanted to have a competitive analysis system to track their competitors’ rates and review along with their latest rate change indications. Pinnacle developed a competitive analysis engine showing their competitive position including color-coded maps for a market basket of representative risks.

Personal Lines

Personal Lines

Pinnacle was approached by a national insurer that wanted to develop a more sophisticated homeowners rating program. Their current homeowners plan was a traditional rating approach and was only based on a few factors, and the company felt they were not taking full advantage of the potential in the homeowners market. Pinnacle, through the use of predictive modeling, assisted the carrier in designing a new rating and tiering structure, which included the introduction of by-peril rating and new territory definitions. This new structure allowed the company to be more precise in rating homeowners, resulting in more adequate and competitive rates for a broader spectrum of risks.

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.

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