Discovery & scoping
Assess the current platform, data, deadlines, and governance posture.
Actuarial services, engineered end to end.
Senior actuarial judgment, modern engineering, and transparent delivery for insurers building or modernizing critical platforms.
Six core service areas
Start with the need. Build for the system.
Open a capability to review the work FolioX can own, from initial scope through audit-ready delivery.
01VM-22 & Statutory Valuation
Full-cycle statutory valuation for fixed annuities and life products under Principle-Based Reserving—from data to filing.
- Quarterly VM-22 valuation and reserve computation
- VM-31 documentation and regulator-ready reports
- Asset Adequacy and Cash Flow Testing
- Stochastic scenarios and CTE analysis
- Reserve sensitivity and attribution analysis
02ALM & Risk Modeling
Integrated asset-liability frameworks connecting investment strategy to policyholder behavior and capital risk.
- Python-native asset-liability projection engines
- Reinvestment strategy modeling and optimization
- Stochastic and deterministic rate scenarios
- Market shock and macro stress testing
- Economic capital and RBC analysis
03Model Governance & Validation
Independent review designed for internal governance, audit requirements, and external regulatory scrutiny.
- Independent review and challenger models
- Full replication for model validation
- Git-based governance and audit trails
- Auditor-ready documentation packages
- Model-risk framework design
04Experience Studies & Assumption Setting
Data-driven assumptions reflecting actual policyholder behavior, supported by transparent methodology.
- Lapse and surrender studies for FIA, MYGA, and UL
- Mortality and morbidity experience analysis
- Dynamic policyholder behavior modeling
- Credibility-weighted assumption blending
- Transparent VM-31 methodology documentation
05Reporting & Automation
Replace manual, error-prone processes with reproducible Python pipelines that are fast and audit-ready.
- Quarterly reporting pipeline design
- Python automation replacing spreadsheet workflows
- Reproducible environments with full logging
- Source-to-output data lineage
- Executive dashboards and visual analytics
06Reinsurance & Transaction Support
Actuarial support for reinsurance structures, product pricing, and M&A transactions.
- MYGA and FIA pricing and profitability
- Economic and embedded value impact modeling
- Quota-share and reinsurance structure evaluation
- Pre-transaction actuarial due diligence
- Block transfer and assumption reinsurance analytics
How we engage
A disciplined path to delivery.
Every engagement is scoped to reduce client overhead while preserving analytical rigor and clear accountability.
Platform build or takeover
Create a new Python platform or document and stabilize an existing environment.
Execution & delivery
Produce quarterly outputs, attribution analysis, and audit-ready packages.
Knowledge transfer
Provide structured handoffs, documentation, and training for internal teams.
Engineering standard
Open, reproducible, and governed.
The technical foundation matters as much as the actuarial result.
Native implementations from scenarios through reserve calculations and reporting.
Every assumption update, model change, and run is tracked.
Custom interest-rate, equity-return, and macro-shock scenarios.
End-to-end flows from administration systems to regulatory output.
Documentation and summaries generated programmatically from each run.
Modernize the work behind the result.
Discuss a platform build, focused validation, or time-sensitive regulatory need.