Property & Casualty


Anthony has over 20 years of experience as a casualty actuary, of which the last 12 years have been in consulting. He has participated on insurance department examinations for the Georgia, South Carolina and Louisiana insurance departments. Anthony also has extensive experience preparing rate filings, performing reserve analyses, developing customized rating plans, developing excess loss pricing models and assisting in the evaluation and negotiation of reinsurance contracts. Additionally, he has reviewed rate filings for the Virginia and Oklahoma Insurance Departments and successfully completed a performance audit of the Washington State Workers Compensation System for the Joint Legislative Review Committee. Anthony received his BS in Mathematics from Polytechnic Institute of New York.


Clinton has a PhD in statistics and has over 20 years of experience in the actuarial field in both the public and private sectors. As an actuary at the Massachusetts Division of Insurance, he reviewed and prepared rate filings in automobile, homeowners, workers compensation and general liability insurance. He was also responsible for the review of medical malpractice liability insurance issued by the Massachusetts Joint Underwriting Association and for testifying at public rate hearings before the Commissioner of Insurance.  In the private sector, Clinton has worked both in the consulting area and for commercial insurance companies. He has provided loss reserve opinions for self-insured funds, insurance companies and municipal insurance programs in Georgia and Florida. Additionally, he has performed financial analyses of profitability and cash flow projections for existing and proposed lines of business. He has also worked with the NCCI where he was responsible for profitability studies of workers compensation insurance. Clinton is a Fellow in the Casualty Actuarial Society and a Member of the American Academy of Actuaries.


Josephine has over six years of experience as a casualty actuary–four of which as a property and casualty examining actuary with the Texas Department of Insurance.  She has provided actuarial services to the Georgia Department of Insurance in conjunction with state financial examinations. Prior to her work as a P&C actuary, she worked as a life actuary in the Philippines where she was involved with product development, valuation and actuarial studies. Josephine has an MS in Mathematics from the University of the Philippines and an MBA from the University of Texas at Austin.

Life & Health


Hank is an experienced actuary with a strong track record in meeting the technical, business and regulatory challenges arising from the assumption of insurance risk. He has provided actuarial services for over 30 years to insurance carriers, HMOs, governmental agencies, sponsors of insurance programs and various types of health care providers. During his career, Hank has held responsible actuarial positions at insurance companies and consulting organizations (Jefferson-Pilot Life, Shenandoah Life, John Alden Life and PricewaterhouseCoopers). He has examined life insurance companies, HMOs and provided expert testimony. He has also conducted market conduct examinations focusing on race-based pricing issues for the Georgia Insurance Department. Hank had an article published in a Society of Actuaries publication–Estimating Incurred Health Claims: One Lag Report Is Not Enough. Hank has a BS in mathematics from Tulane University and an MA in mathematics from Yale University.