FCAS, MAAA
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 a bachelor’s degree in mathematics from Cedarville University in Cedarville, Ohio. She began work in the property/casualty insurance industry in 2014.

Christina 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.

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.

Competitive Analysis - Commercial Lines

Competitive Analysis - Commercial Lines

Pinnacle was approached by a major national commercial lines insurer to provide comprehensive competitive analysis of the businessowners policy (BOP) and commercial automobile insurance market places. Pinnacle’s analysis began with a comprehensive review of the products filed by the leading twenty insurers of these products examining coverage features, rating elements, tiering and scoring elements, unique coverage features and several other key product development elements. Following this initial step, Pinnacle performed detailed territory and premium comparisons for several states using a dynamic premium comparison engine that allowed investigation at the class, coverage amount and territory level of detail. The company used a batch rating feature to develop indicated rate level estimates. Mapping features looking at ranking and pricing differences were also produced. All of this information was incorporated into a countrywide overhaul of the company’s products and pricing.

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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