P&C actuarial and insurance work

Price the exposure. Stress the loss. Explain the decision.

Junior’s actuarial development combines CAS training, insurance simulations, a detailed personal-auto pricing case study, and AI evaluation work grounded in probability, expected value, statistical inference, and model limitations.

Verified actuarial experience

Training built around real insurance decisions

Each experience adds a different layer: industry context through CAS, applied judgment through AIG simulations, and technical modeling through the pricing case study.

AIG · October 2025

Actuarial and Underwriting Analyst

Completed actuarial and underwriting job simulations involving P&C risk assessment, data interpretation, underwriting judgment, actuarial analysis, and concise recommendation writing.

Independent case study

Personal Auto Pricing Analyst

Built an end-to-end framework connecting exposure, claim frequency, claim severity, pure premium, expenses, profit, indicated rates, aggregate loss, and portfolio risk.

Flagship case study

Personal Auto Insurance Pricing Model

This page documents the methodology and conclusions described on Junior’s public professional profile. The underlying code and dataset are not represented as publicly available.

01

Data design

Structured multi-year policy and claims data with exposure, territory, driver, vehicle, and loss factors.

02

Frequency

Compared Poisson and Negative Binomial GLMs to model claim counts while accounting for exposure.

03

Severity

Compared Gamma and Lognormal approaches for positive claim costs using log-link specifications.

04

Selection

Used AIC, BIC, L1 regularization, monotonicity checks, fairness review, and practical interpretability.

05

Validation

Applied k-fold and out-of-time testing to examine stability, calibration, predictive performance, and reason codes.

06

Portfolio risk

Combined frequency and severity into pure-premium indications and aggregate-loss simulations with VaR, TVaR, reinsurance analysis, and combined-ratio stress tests.

Technical toolkit

From model mechanics to business judgment

The objective is not merely to fit a model. It is to understand why it behaves as it does, how it fails, and what the indication means for customers and the insurer.

  • Modeling: Poisson, Negative Binomial, Gamma, Lognormal, regression, and regularization.
  • Pricing: pure premium, trend, on-level adjustments, ALAE/ULAE, expenses, and target profit.
  • Validation: AIC/BIC, cross-validation, out-of-time testing, calibration, monotonicity, and fairness checks.
  • Risk: Monte Carlo simulation, aggregate loss, VaR, TVaR, combined ratio, and reinsurance considerations.
  • Tools: Python, R, SQL, Excel/VBA, data visualization, and audit-ready documentation.

Current direction

Junior is preparing for actuarial Exams P and FM and is pursuing P&C pricing, reserving, predictive analytics, model validation, underwriting analytics, and enterprise risk opportunities.