Ask the Authors: 2007/04

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Property/Casualty Insurance

Michael Belfatti manages the Tillinghast office in Philadelphia and heads the Enterprise Risk Management practice for the North America property/casualty region. He has broad expertise in implementing risk and capital management concepts for insurance enterprises. Mr. Belfatti is a graduate of Swarthmore College and Princeton University, and a Fellow of the Casualty Actuarial Society.
Kevin F. Downs is a senior consultant with the Tillinghast business of Towers Perrin in Bermuda. He specializes in loss reserve analyses for reinsurers and assists companies in the securitization of property catastrophe risk. Mr. Downs is a graduate of the University of Notre Dame and a Fellow of the Casualty Actuarial Society.

Brian Heale is Product Director for Towers Perrin’s Tillinghast Software Solutions in London. He has significant experience in developing enterprise solutions for insurance companies, ranging from core administration systems to actuarial and product engines. He is a Fellow of the Chartered Insurance Institute, an Associate of the Pensions Management Institute and an Associate of the Chartered Institute of Marketing.
Francois Morin is a principal with Towers Perrin in Hartford. He specializes in risk and capital management and performance measurement for insurers. He has assisted numerous insurers with financial modeling software implementation projects. Mr. Morin is a Fellow of the Casualty Actuarial Society, a Member of the American Academy of Actuaries and a Chartered Financial Analyst.
Ian B. Farr is a principal with Towers Perrin’s ERM practice in London and responsible for ERM product development globally. His areas of expertise include risk and capital management and value-based financial reporting. Mr. Farr is a Fellow of the Institute of Actuaries.

Stuart Thompson is a principal with Towers Perrin in London. He specializes in advising life insurance companies on financial reporting and statutory regulation. He also has extensive experience with life insurance M&As and demutualizations. Mr. Thompson is a Fellow of the Institute of Actuaries and an Associate of the Society of Actuaries.
Peter Wright is a principal with Towers Perrin in London. He chairs the Tillinghast business of Towers Perrin’s worldwide working party, which is tracking progress of the IASB’s insurance project and European working party monitoring of Solvency II. He specializes in financial reporting and statutory regulation work. Mr. Wright serves as an Ordinary Member of the Council of the Institute of Actuaries.
Mike Lombardi is a managing principal with Towers Perrin in Toronto. He specializes in mergers and acquisitions, insurance regulation and financial reporting for multinational insurance companies. Mr. Lombardi is a Fellow of the Canadian Institute of Actuaries, a Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries.

John Rowland is a senior consultant with Towers Perrin in London. His areas of expertise include risk and capital management, market-consistent valuation and stochastic modeling. He has a Ph.D. in mathematics from Imperial College London and speaks regularly on risk and capital management to professional organizations and at Towers Perrin seminars.
David Dullaway is a principal of Towers Perrin in London. He specializes in the application of market-consistent valuation techniques to pricing, financial management and reporting, corporate valuation, and risk and capital management. Mr. Dullaway is a Fellow of the Institute of Actuaries.

John Fenton is a principal of Towers Perrin in Atlanta and is head of the firm’s North American Life Product Group. He specializes in product, economic and distribution issues related to retail life and annuity business, as well as developing and implementing performance metrics for the life insurance industry. Mr. Fenton is past chairperson of the Society of Actuaries’ Product Development Section.
Michael Freeman is a managing principal of Towers Perrin in Tokyo with responsibility for Tillinghast’s insurance practice in Japan. His areas of expertise include market and product strategy, financial management, product pricing and embedded value assessments. Mr. Freeman is a Fellow of the Institute of Actuaries and a Fellow of the Institute of Actuaries of Australia.
Ben Pollard is a consultant with Towers Perrin in London and leads Tillinghast’s variable annuity campaign in the U.K. He has worked with a number of leading U.K. insurers, developing entry strategies to the U.K. VA market. He has experience in the full spectrum of activities required for market entry, from customer proposition development to risk management and regulatory issues.

Steve Taylor-Gooby is a principal of Towers Perrin and the Managing Director of the Tillinghast business of Towers Perrin. He is responsible for Tillinghast operations worldwide and has expertise in the areas of mergers, acquisitions and restructuring; capital management; and economic value analysis. Mr. Taylor-Gooby is a Fellow of the Institute of Actuaries.