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 25 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. He serves as the Chair of the American Academy of Actuaries (AAA) Auto Insurance Committee. He has also served as Vice President of Marketing and Communications of the CAS, a member of the Board of Directors of the CAS, a member of the Board of Directors of the International Association of Black Actuaries, and a member of the CAS and AAA Governance Task Forces.

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Case Studies

Catastrophic Risks

Catastrophic Risks

Pinnacle was retained by an insurance company specializing in catastrophic risk to identify and test alternative sources of risk financing capacity including traditional reinsurance and catastrophe bonds. In order to complete the project, Pinnacle designed a dynamic financial model to determine the cost/benefit of alternate risk financing strategies.

Low Cost Auto

Low Cost Auto

Pinnacle was retained by an industry trade organization to provide an independent review of the proposed costing of a new private passenger auto insurance program for low income insureds. The project included working in an open session with legislators and public members to arrive at a workable rate and classification plan for the new program.

Underwriting & Tiering Analysis

Underwriting & Tiering Analysis

A single state auto insurance writer hired Pinnacle to address its current rating and tiering program. We removed unnecessary underwriting restrictions and more adequately priced risk classes, which allowed the insurer to experience significant, profitable growth.

When we began, the company’s existing tiering design was only based on a few factors, including ones that significantly overlapped with the rating plan. When combined with the underwriting rules, the design was punitive and limited writable business. Through predictive modeling, we helped design a new tiering structure and applied an underwriting scoring approach to eliminate rating plan overlap and remove the overly punitive parts of the plan.
 

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