Edward G. Email and Phone Number

Responsible for the implementation of the Product Lifecycle and the Top and Bottom Line results for Homeowners, Dwelling, Mobilehome, Renters & Condo Insurance in the States of Hawaii, Mississippi, New York, South Carolina & Texas. I provide strategic solutions for Profitable Growth for all personal lines of business through detailed analytics and product management. I perform Product & Rate Reviews for all products within the company footprint - duties include Pricing, Product Development, Rating Plan management, Growth Metric tracking, State Strategy development, Market Intelligence, Analytics, Underwriting & State filings via SERFF. Create Strategic Growth initiatives for profitable growth. Successful in achieving sub-90% net combined ratios while achieving double digit growth for residential insurance in 2020 and 2021 for the states of New York, South Carolina and Mississippi - sub-80% for the State of Texas in 2020 through 2022.I track and analyze the Production and Profit results and develop Strategic Plans to ensure successful results are achieved. I implement rate and product coverage revisions that support profitable growth.

Responsible for the implementation of the Product Lifecycle and the Top and Bottom Line results for Homeowners, Dwelling, Mobilehome, Renters & Condo Insurance in the States of Hawaii, Mississippi, New York, South Carolina & Texas. I provide strategic solutions for Profitable Growth for all personal lines of business through detailed analytics and product management. I perform Product & Rate Reviews for all products within the company footprint - duties include Pricing, Product Development, Rating Plan management, Production Metric tracking, State Strategy development, Market Intelligence, Analytics, Underwriting & State filings via SERFF.I track and analyze the Production and Profit results and develop Strategic Plans to ensure successful results are achieved. I implement rate and product coverage revisions that support profitable growth.

- I provide strategic solutions for Profitable Growth for all personal lines of business through detailed analytics and product management. I facilitate meetings and negotiations with management. My position has accountability for the top and bottom line growth of the Homeowners, Dwelling and Mobile Home product lines for the states of New York, Texas, Mississippi and South Carolina. The results of my work have produced combined ratios for these lines in all states that beat the industry. - Successful in achieving sub-90% net combined ratios while achieving double digit growth for residential insurance in 2016 for New York. I created Extension Endorsements for the Homeowners Program that provided agents with an 'Ease of Doing Business' aspect for their policyholders with the versatility of coverage levels, including some newer industry coverage options. The results of my strategies and product reviews have driven the NY book of business to nearly triple the policies in force in the past five years while maintaining or improving profitability.- I produce Product Rate and Rules Proposals based on analytical insights, market intelligence and catastrophe model analyses in support of profit & loss management and growth plans.- My responsibilities include the production and revision of Rate and Rule Manuals, Policy Forms, Endorsements and Rate Filing exhibits.- I am also responsible for the filing requirements and correspondence to the State Departments of Insurance for the approval of our state rate/rule/forms filings, utilizing SERFF. Occasionally, phone conversations are held with the necessary personnel to gain approval of the filing.- Besides facilitating all aspects of Product Reviews for the company, I have analyzed Insurance Industry data to gain insights into better pricing methods and product offerings and have utilized this information to successfully revise our rating plans in several states.

Underwriting support for the United Parcel Services account for Workers Compensation, Auto Liability and General Liability. Perform analytics on various segments of the account. Support in creating Loss Models and Summarized Loss Reports.I have utilized SAS, Excel, Word and PowerPoint to complete my job duties.

I facilitated the Annual Product Review process for Personal Auto and Homeowners products in each state. I produced Experience Reports, Market Share Analyses, Agent Penetration Analyses, Catastrophe Management reports and State Strategy documents in order to produce a Growth Strategy for each state in the company footprint. Company footprint included CT, Mass, Maine, NH, NJ, NY and RI. I developed new Homeowners rating plans to accommodate Growth, Profitability and Rate/Risk balance with an emphasis on distributing Reinsurance Expenses among newly formed territories. Utilized Demographics, Competitive Intelligence, Hurricane Models and Segment Experience to assist in producing rate revision recommendations. Meetings and negotiations were held with the regional personnel to produce final decisions. Improved Top and Bottom Line Growth in Homeowners and Personal Auto and exceeded top and bottom line targets of a $800 million book of business 5 out of 7 years.Assisted in making decisions in the Annual Rate review process for Commercial Lines products for states in the company footprint. Meetings were held with the regional personnel to discuss and produce final decisions. I utilized Market Share analyses to Grow Profitably through the use of Market Intelligence techniques, CAT Management techniques and Innovative Pricing techniques. Resulted in better distribution of risks in Coastal States.Assisted in producing relevant exhibits and memorandums for filings to the Departments of Insurance for each state. Responded to correspondence from the Departments of Insurance to gain approval of rate filings.Produced segment experience reports for Personal Lines products in order to assist in making revisions to the Multi Variate Rating plan derived from the Predictive Model. Produced Maps to visually depict Market Intelligence metrics in each state for the regional personnel and the company executives.

Facilitated the State Strategy meetings. Duties included making recommendations on revenue growth based on Agency penetration, Demographics, In-force data, Competitive Intelligence, Market share per agent and Catastrophe Management plans. Assisted Commercial Lines in exceeding growth goals with strategic growth initiatives.Coordinated the Annual Product Review for Personal Lines Products. Duties included:Organizing, scheduling and facilitating the Product Review meetings with the Product team and the regional staff for each state.Participated in State Strategy meetings for each state. Short and long term strategies were developed and presented to the State Strategy teams for all Personal Lines products. Experience and overall results were also developed and presented in conjunction with the Pricing strategies as support.Drafting the proposal based on field input, experience of the book of business and overall profitability goals.

Directed the Personal Lines rate reviews for all states within the company footprint (mainly eastern coast). Performed analytics and profitability analyses on personal lines products for all states. Created rate/product change proposals for Personal Auto and Homeowners lines of business. Managed the timelines, assignment of duties and critical milestones within the rate review process. Managed and trained three direct reports. Responsible for statutory filings and top and bottom line growth. Exceeded top and bottom line growth targets each year of a $425 million book of business which included Homeowners and Personal Auto.

Drafted experience reports for Personal Auto, Homeowners, Dwelling/Fire and Umbrella lines of business for assigned states. Reports were split out by several different profiles (by class, coverage, limits, amounts of insurance, deductible, etc.). Produced indications for Auto and Homeowners books of business for assigned states.Conducted rate reviews for Personal Lines (Auto, Home, Dwelling/Fire and Umbrella). Rate review preparations included the analyzing of experience data and indications for Auto and Home. Prior to each rate review I produced a proposal/recommendation of changes and then discussed the proposal with the regional offices at the rate review basing the decisions on profitability, marketing and competition. After each rate review, I produced Executive Summaries and Minutes documents of the final rate review decisions and premium impacts to all levels of management. Assisted in support of State Filings.

Completion of competitive analyses of private passenger auto programs for states of Montana, Wyoming and Washington. As well, derived Personal Auto class plans.Testing of rating algorithms for implementation of new private passenger auto rating systemCompletion of rating manuals for private passenger auto program in Montana and Wyoming

Worked in the following lines of business for one year: Commercial Auto, Commercial Fire & Allied Lines, General Liability, Inland Marine and Commercial Crime for the Small Business Department in the states of Hawaii and California. After working for the Small Business Department, continued to work on the Private Passenger Auto program for all statesResponsibilities for all lines of business in both groups included the retrieval of data; production of rate reviews; rate level indications and recommendations; discussing rate recommendations with Chief Actuary, Underwriting and Marketing departments; production of rate impact analyses; completing rate filings and drafting of rate pagesSpecial project included production of Personal Auto Profile ReportsAll work was completed using Lotus 123, AmiPro, Microsoft Excel, Microsoft Access, Microsoft Word and Lotus Notes

Worked on the following lines of business: Involuntary Unemployment Insurance, Credit Property Insurance, the calculation of loss reserves for three of the Subsidiary P&C Insurance CompaniesCompleted all loss reserve exhibits for Quarterly and Annual Statements - Schedule P, Part 3A and Schedule X Completed the Actuarial Reports in support of the Loss and LAE Reserves for the appointed actuary of the three subsidiary companies, and completed rate level indications, rate filings and experience analyses on all assigned product lines Produced rate reviews and rate level indications for the Farmowners and other Agricultural products at the home office. Produced experience calls, credit insurance experience exhibits and other statistical reports for different states as well as provided the Ag Department with monthly Ag product experience reportsAttended weekly staff meetings, monthly and quarterly progress meetings as well as profit control meetings to update VP's and Managers of all actuarial activities and any concerns with problem accounts

Actuarial StudentSet up models to perform cash flow testing; results were summarized and drafted into reports Other duties included assisting in the pricing of Health Models and performing profit studiesSpecial projects included building the company's 1992 Mortality Tables

Data prep for Valuations of Funding of Defined Benefit Plans.