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.

Publications and Media

May 1 2020 APEX
COVID-19's Economic Impact on Driving Patterns and Automobile Insurance
Authored by Roosevelt C. Mosley Jr..

Issues & Answers: Actuaries in an Era of Technology
Best's Review
Authored by Roosevelt C. Mosley Jr..

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Case Studies

Claims

Claims

Pinnacle was approached by a regional insurer that wanted to develop a predictive model that estimated the time that a claim would be open based on what is known at the first notice of loss. The company felt like this would allow them to more effectively manage their caseload and handle claims more proactively. Pinnacle, through the use of predictive modeling, assisted the carrier in designing a model which predicted cycle time based on the FNOL. Not only did this give the company a better understanding of its claims, but also assisted them in understanding their claims data better and improving their data collection.

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.

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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