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Consulting Actuary

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Christina L. Negley

Christina Negley is a consulting actuary with Pinnacle Actuarial Resources in the Bloomington, Illinois, office. She holds a master’s degree in mathematics from Illinois State University and bachelor’s degree in mathematics from Cedarville University in Cedarville, Ohio. She began work in the property/casualty insurance industry in 2014. 

Ms. Negley has experience in assignments involving loss reserving, funding studies, loss cost projections, and captive feasibility studies. She has provided support for loss reserve analyses for commercial insurers and self-insured groups (including governmental entities) in general liability, workers’ compensation, auto liability, auto physical damage and medical professional liability coverage. She has also participated in research and analyses involving medical professional liability programs and predictive modeling for personal lines insurance.

Publications and Media

Pinnacle Welcomes New Consultants

Authored by Kendra Letang and Christina L. Negley.

June 25 2020 APEX
Effective Communication Between Actuaries and Stakeholders
Authored by Christina L. Negley.

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Case Studies

Commercial Lines

Commercial Lines

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.

Product Development

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.

Workers' Compensation

Workers' Compensation

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.

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