Reading Time: 4 minutes Canadians rely on private insurance to help pay health costs not covered by our public system but losing a job shouldn’t mean losing coverage
Author: John Have
John has been provided actuarial management to TT Actuarial Inc. actuarial software development, fair market valuation of life insurance policies and other Post Employment Pension Benefit valuations since 2013.
John started Have Associates in 1983 as a small actuarial firm providing independent actuarial consulting across North America. John is independent of all insurance companies, brokers and benefits advisors. Services include setting of employee benefit premium rates and product development, claim liability evaluations, insurer mergers / acquisitions, advice in setting rating/ experience adjustment models for provincial WCB programs, WCB valuations plus actuarial research for both the Canadian and US actuarial profession.
Other areas of expertise include (a) investments, (b) individual annuities and GICs rates and valuations, (c) individual health insurance, (d) valuation of individual in-force life insurance policies, (e) valuing post-employment health and dental benefits and (f) modelling public healthcare plans and costs. John has provided expert legal opinions on the actuarial values attached to the various product designs, contract wordings and exclusions.