Educational content only
Actuarially Sound explains actuarial concepts so that people who make benefits decisions can ask better questions. Nothing on this site is actuarial, legal, tax, or financial advice, and reading it does not create a professional relationship.
Figures are illustrative
Every number in our examples and videos is made up to show how a calculation works. Real trend assumptions, loss ratios, stop-loss terms and renewal results depend on your plan, your population, your carrier and your contract.
Check with your advisors
Before acting on anything you read here, confirm the details with your broker, consultant, carrier, or a credentialed actuary who knows your situation.