IHA - Insurance & Risk Pooling Solutions

Our Solutions

We emphasize a service-oriented approach, customizing each project to match the needs of our clients.  We strive to ensure that we fully understand our clients.  We strive to ensure that we fully understand our clients' needs and that our clients understand the results of our analyses.


  • Loss and loss adjustment expense reserve analyses - We understand the internal and external forces that affect reserves and use this knowledge to accurately measure reserve levels.
  • Rate level studies
  • Actuarial Statements of Opinion - IRMS Actuarial meets or exceeds all statutory qualifications for providing Actuarial Statements of Opinion because our consulting actuaries are Fellows of the Casualty Actuarial Society and Members of the American Academy of Actuaries.
  • Dividend/refund analyses
  • Financial projections - Our strong business backgrounds allow us to understand the impact of actuarial reserves and pricing on the bottom line. We can also help your investment manager construct a portfolio that minimizes interest rate risk while maximizing yields.
  • State rate and rating plan filings
  • Strategic planning

Advantages of IRMS Actuarial Services

  • Personalized Service - Each engagement is customized to fit the client's circumstances and needs based on a thorough understanding of client's history and vision for the future.
  • Certified Actuarial Staff - We are proud to note that our leading consulting actuaries are Fellows of both the Casualty Actuarial Society, the Society of Actuaries (the highest level of achievement for an actuary) and are Members of the American Academy of Actuaries.
  • Specialized Expertise - We specialize in Workers' Compensation and Medical Malpractice, particularly for association programs, and have expertise in virtually all lines of property and casualty insurance.
  • Broad Experience - Our clients consist of insurance companies, association programs, self-insureds, and offshore captives. Our expertise in property and casualty insurance is certified and highly respected.
  • Full Explanation of All Actuarial Methods - IRMS also recognizes that actuarial analysis can be complicated, and that our work is only useful if our clients understand it. Care is taken to fully explain all results of our analysis. IRMS' reports are known for their level of readability; we do not use jargon or fill our reports with complicated data.
  • Competitive Rates - Finally, IRMS operates with very little overhead. This allows us to provide high quality services at extremely competitive rates. We never charge to develop quotes, and would be happy to discuss any potential assignments.