We’re here to help.

With an emphasis on the Life and Health insurance markets, the Telos team has over 50 years of actuarial experience. We provide the insight and industry savvy that your business needs to grow.

 

Product Development
& Block Management

Telos offers custom solutions for all your Senior Market insurance product needs. We have both Actuaries and Compliance experts ready to guide you through all the steps needed to create and manage successful products in today’s market.

Medicare Supplement, Dental, Hospital Indemnity, Accident, Final Expense, Short-term Care, Critical Illness, Medicare Advantage and PDP are all viable and growing markets that we focus on.

    • Understanding the opportunity in the Senior market

    • Securing distribution to generate sales

    • Partnering with a TPA

    • Pricing and Developing Premium Rates and Profit Projections

    • Developing Applications & Policy Forms

    • Filing and obtaining approval in each State DOI

    • Calculating premium, claims and contract reserve balances

    • Monitoring new sales results on a monthly basis looking for leading indicators of risk

    • Monitoring Loss Ratio Experience

    • Developing rate increase plans for your Medicare Supplement products

    • Filing and obtaining rate increase approvals

    • Developing and submitting all annually required compliance filings (Refund & Credit, Experience Exhibits, etc.)

    • Completing Gross Premium Valuations

 

Commission Appraisal
& Lifetime Value Analysis

Telos offers solutions for agencies and call centers that need help determining the Lifetime Value of their commission cash flows. Telos can help you secure capital to grow your business faster, help with ASC 606 revenue recognition, and understand what segments of your business generate the highest/lowest Lifetime Value.

  • Complete Persistency studies on your books of business

  • Complete Commission Appraisals to help you understand the value of your books of business

  • Develop Assumptions and Methodologies for determining the Lifetime Value of your books of business

  • Help you secure capital to grow your business

 
 

Compliance & Regulatory Services

Telos Actuarial’s team of experienced regulatory compliance professionals are ready to help YOU stay informed of regulatory changes, remain compliant, and improve the speed to market of your Accident & Health products, by providing the following services:

  • Whether you are modifying existing products or developing new ones, our team can assist you in developing individual or group product policy forms, riders, applications, and state-required notices.

  • We can help you prepare, submit, correspond to, and monitor your state filings. In addition, our team has established relationships with state departments of insurance to act as a regulatory intermediary for our clients.

    • Forms

    • Advertisements

    • Rate modifications

    • Statutory Reports

    • Block closures

    • Data Calls and Surveys

  • We provide insurance regulatory compliance research, customized to fit your specific needs.

    We have helped clients by providing:

    • 50-State filing research

    • Proposed regulation and legislation monitoring

    • Impact assessments of laws, regulations, and bulletins to product forms

    • Competitive language and underwriting conditions assessments

  • Let us review your advertising or marketing material to ensure your content meets CMS and state marketing requirements.

Tell us about your needs to learn how our consulting team can help your business.