Cost Versus Value
Apr 3, 2018
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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.
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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Pinnacle was approached by a national insurer that wanted to develop a more sophisticated commercial automobile rating program. Their current commercial automobile plan was a traditional rating approach and did not take full advantage of driver, credit scoring or vehicle characteristics and the company felt they could take advantage of a significant opportunity in the market. Pinnacle, through the use of predictive modeling, assisted the carrier in designing a new rating and tiering structure, which included modifications of the rating plan, the introduction of underwriting scoring, and new territory definitions. This new structure allowed the company to have more precise rating, more adequate and yet competitive rates for a broader spectrum of risks.
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.
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.
At Pinnacle, we partner with you to explore whatever path it takes to find the answers you need.
June 24, 2018
NAMIC Management Conference
June 26, 2018
Underwriting Collaboration Seminar