Commitment Beyond NumbersPinnacle Actuarial Resources, Inc.

Commitment Beyond Numbers

Pinnacle Actuarial Resources, Inc. is an independent, full-service actuarial firm that focuses on the property/ casualty insurance industry. Our home office is located in Bloomington, Ill., with additional offices in Atlanta, Chicago, Des Moines, Indianapolis and San Francisco.

We are large enough to provide a wealth of expertise and world-class solutions yet small enough to be flexible, timely and cost-effective. Pinnacle is owned by our professional consulting staff and ranks among the largest property/casualty actuarial firms in the United States.

Our Commitment Beyond Numbers philosophy encompasses all of who we are and what we do. It drives us to do whatever it takes to help our clients address their risks, understand the challenges they face and find the right solutions to meet their goals. Commitment Beyond Numbers is built on four foundational pillars:

X Empathetic Customer Service. At Pinnacle, we believe in relationships, not just transactions. That means we judge ourselves on the quality of our services, responsiveness to your needs, consistent professionalism and ability to develop a deeper understanding of your business through collaboration.

Y Superior Communication. Professionals focused on complex mathematical analysis can often lose sight of the human beings on the other side of the equations. Not us. At Pinnacle, everything we do is geared toward making sure we deliver information and insights that are accessible, understandable and transparent.

Z Expertise. Identifying the right solution to your business challenges means leveraging more than one perspective to uncover new insights and deeper understanding. That’s why we take a multi-disciplinary approach to everything we do, drawing on our deep bench of focus area experts who combine industry and thought leadership with creativity and innovation to help develop unique solutions to your challenges.

[ Better Business Decisions. Identifying and managing risk rarely requires one single answer. Instead, driving better business decisions around risk and return requires the vision necessary to see problems before they arrive and the ability to develop a solution that’s right for your business. At Pinnacle, we partner with you to explore whatever path it takes to find the answers you need.

SolutionsPinnacle provides actuarial, enterprise risk management and general management services to property/casualty insurance clients around the world, including:

Alternative MarketsWhether it’s a captive insurance company, large deductible program, self-insured entity, public entity pool or syndicate, Pinnacle understands the needs of those involved in the alternative markets, the most important of which is a desire to control insurance costs over the long term.

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Enterprise Risk ManagementAt Pinnacle, we recognize the “M” in ERM stands for “Management”, not models. We can assist you in the initial review, design and documentation of internal economic capital models and marginal pricing frameworks.

Legislative CostingWith insurance laws and regulations constantly evolving, being alert to changes and their implications is only part of your challenge. Our experienced property/casualty actuaries can apply their expertise to help you understand the potential legislative impact to your business.

Litigation Support/Expert WitnessAs property/casualty insurance and financial litigation continues to grow in complexity, it is essential that you have independent, credible and expert actuaries who can explain actuarial matters clearly and effectively.

Loss ReservingPinnacle tailors the analysis of indicated reserves to your particular situation. Our loss reserve analyses are used to support statements of actuarial opinion, audit opinions, financial examinations, insurance company liquidations and rehabilitations, and as expert opinions in lawsuits.

Predictive AnalyticsPredictive analytics is a process of analyzing data at its most granular level to help unlock descriptive information to allow you to better segment, price, market and manage the products you write. Our nationally-recognized predictive analytics experts can help address your most critical pricing, underwriting, claims and marketing needs.

Pricing/Product ManagementWe support the insurance industry with sound actuarial advice using the most advanced techniques available anywhere. As pioneers in underwriting and pricing techniques, we apply new methods to analyze loss variables with a much higher degree of accuracy.

ReinsuranceA reinsurance transaction involves three parties — a buyer, a seller and an intermediary. Pinnacle provides actuarial and risk management services to all three sectors and outside third parties such as auditors, regulators and rating agencies.

ProductsPinnacle offers a number of industry-leading products that complement our customized actuarial solutions. These easy-to-use products include both software applications and end-user summarized benchmark information allowing you to analyze risks and drive better business decisions.

LeadershipPinnacle is led by a team of five principals with extensive experience in senior actuarial positions within the profession. Our staff includes several Fellows of the Casualty Actuarial Society and Associates of the Casualty Actuarial Society. We have over 20 actuarial analysts and technicians. Pinnacle is widely recognized as one of the preeminent actuarial consulting firms in North America.

Commitment Beyond

Numbers

Joseph A. Herbers, ACAS, MAAA, CERA Managing Principal

D: 309.807.2310 M: 309.824.6547jherbers@pinnacleactuaries.com

CONTACTINFO:

Contact us or visit pinnacleactuaries.com to discover

more about how we can demonstrate our commitment to meeting your

business needs.

Bloomington I Atlanta I Chicago I Des Moines I Indianapolis I San Francisco

Empathetic Customer Service • Superior Communication • Expertise • Better Business Decisions

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