The Ruark Companies help our clients to manage risk.  Our experienced and innovative actuaries combine strong analytical skills and extensive information technology expertise to provide deep insights into key risk drivers and competitive positioning.  This allows our clients to implement business strategies that are supported by sound analytics and appropriate risk management solutions.

Our insurance clients are adapting to new circumstances and risk factors that necessitate the efficient gathering, analysis, and utilization of a wide range of data.  These include a rapidly evolving competitive environment, pricing pressures, principles-based reserves and capital, and enterprise risk management methods.  Our industry-leading studies provide timely and actionable conclusions for individual companies and entire industries that can be used for product pricing, valuation assumptions, inforce modeling, reinsurance structuring, business planning, and developing network and distribution strategies.

Reinsurance is an established risk management tool for our insurance clients.  We continue to employ our experience, creativity, and technical skills to help our clients achieve their reinsurance objectives, covering variable annuities, fixed and indexed annuities, and life insurance.  Once reinsurance programs are placed, we continue to assist our clients with reinsurance administration and analysis for the life of the program.

Our non-insurance clients face risks that can similarly benefit from effective data management and analysis.  Data must be collected and verified, at which point critical information must be separated from the useless noise.  Only then can actuarial analysis be applied to provide actionable management information.  We have successfully applied these techniques to clients in a variety of industries.

The Ruark Companies consist of Ruark Insurance Advisors, Inc. and Ruark Consulting LLC.  Founded in 1998, Ruark Insurance Advisors has placed more than 40 reinsurance programs accounting for more than $200 million of reinsurance premium annually.  Ruark Consulting provides our clients with the actuarial and data analysis capabilities needed for effective risk management.