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ANALYTICS

Our highly-disciplined process includes comprehensive policy analysis, product structuring, funding design, underwriting negotiation, and portfolio management.

CI maintains a catalog of tools dedicated to supporting its platform.  All models have been designed in-house, and are proprietary.  Examples include:

Fair Value – Algorithm reveals appropriate monetary demand when internal changes are made to mortality, dividend, and credited interest rates.  Applies to vanishing premium, as well as traditional Whole Life and Universal Life schematics.

Comparative Evaluator – Simultaneously compares similar and dissimilar products (UL/SUL/WL/Term), by type and size, on a risk-adjusted basis.  Offers substantial value as an appraisal device.

Longevity Study – Converts chronological age to actuarial age for greater precision. Solves for best fit adjustment to the mortality curve.  Includes survival and death probabilities, for both single life and survivorship situations. Results presented both annually and cumulatively.

Disaster Relief – For indebted policies.  Loan rescue feasibility test, including customized solutions to over loaned and tax-triggering portfolios. Rehabilitation consulting is available in situations where acquiring new coverage is not viable.

Capital Budgeting – Cash flow analysis determines proper premium structure to optimize returns.  IRR, MIRR, NPV, RAROR, exhaustion of principal, and other financial/statistical calculations are performed.

Simulation Modeling –  Both stochastic and deterministic processes are utilized.

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