Design your Critical Illness product to give
you a leg up on the competition
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We offer special product
invention and design facilities to make your first market introduction
stand out above the competition. |
Balance competitiveness
and profitability
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Our R&D is US-based,
not imported from foreign markets. Our incidence rates
are local. Our pricing is local and multistage model-based. |
Widen your marketing
scope
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Use our skills to market
Critical Illness Insurance as a free-standing product, a rider,
in group, in individual, in annuity business, in credit insurance.
Our customized rate calibration technology enables us to help
you “get the rates right”. Click here to view "Rate Making Secrets of Critical Illness"
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Accept substandard lives
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Lotter Actuarial will build
your Critical Illness substandard underwriting manual to harmonize
with your company’s life insurance underwriting practice. |
Get Benefit Definitions
and Policy Wordings in shape fast
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We maintain libraries of
industry standard definitions and policy language. |
Increase your technical
proficiency in Critical Illness Insurance
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Read Alistair Cammidge's prepared
remarks at the September 1999 ASNY
Meeting. Click
here for the Critical
Challenge Quiz. |
Take part in raising
public awareness of Critical Illness risks and coverages
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“Cancer, Heart attack,
Stroke and End Stage Renal Disease are the Four Apocalyptic
Horsemen that will destroy America’s Health Insurance System.
When one of the Horsemen rides in the front door, Family Financial
Planning flies out the window. American Insurance Companies
should be encouraged to protect America’s families against the
Horsemen”. Johan L Lotter (Speech at NCOIL Meeting)
Click here to download our PowerPoint
Presentation to the National Conference of Insurance Legislators.
(NCOIL)
Read Johan Lotter's recent letter
to the Wall
Street Journal
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