John O'Boyle

Significant experience in pricing and product development for fixed and indexed deferred annuity products as well as traditional and universal life insurance products.  Over thirty years of industry experience, including a broad range of analytical and technical skills which cover numerous aspects of the pricing and product development process.  Proficient with the use of various pricing software packages, and a thorough background in annuity/life profitability controls, rate setting, market strategy and illustrations. Extensive knowledge of product design and industry trends, experience study maintenance and model governance, and communications with marketing/field representatives

Consulting Actuary                                                                           6/2025-12/2025                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   

Acumen Group                                                                                    Bermuda (Remote)

• Developed key VUL/IUL/UL policy projection tools and coordinated efforts to implement projection and analysis currently maintained by a leading life insurance company.
• Was project lead of major pricing model validation process for large blocks of VUL/IUL/UL business accumulated from prior carriers due to acquisition.
• Developed and implemented current company procedure for ongoing model validation and documentation used by risk support teams.

Associate Actuary                                                                            10/2023-4/2025                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   

Ameritas                                                                                              Lincoln, NE

• Developed and maintained company pricing models for new business and inforce blocks of Life business including Term, UL and IUL products
• Was key Product representative for LDTI GAAP transformation and the application of these standards to pricing and profit modeling
• Was lead actuarial support for legal and compliance issues including remediation of STOLI issues, commission arrangements, department of insurance inquiries and IRC 7702/7702A interpretation
• Oversaw key product intiative related to company IUL hedging practices and asset risk
• Was lead Product representative on company expense assumption validation and implementation
• Was main product liason for reinsurance negotations on specific blocks of life business

AVP – Individual Markets Pricing Actuary                                        9/2022-8/2023

Global Atlantic Financial Group, Inc.                                                     Indianapolis, IN

• Maintained profitability of MYGA/FIA/RILA and Payout Annuity blocks of business through product design and rate setting mechanics
• Ran lead on management reporting and weekly pricing committee communications
• Was team lead on A/E Capital maintenance
• Ran pricing models for profit sensitivities subject to various economic factors
• Developed monitoring tools for use in profit review and best practices

Life Actuary                                                                                      9/2018-9/2022

Global Atlantic Financial Group, Inc.                                                  Des Moines, IA

• Involved in remediation project addressing regulatory compliance of life illustrations and annual statements
• Provided subject matter expertise to life insurer client regarding product design and inforce management
• Acted in advisory role to life insurer client on Universal Life and Indexed Universal Life administration and policy guidance

Actuary                                                                                             12/2004-10/2017

CNO Financial Group, Inc.                                                                 Chicago, IL

• Developed and implemented Life & Annuity products across various distribution systems (Career Agency, Brokerage, Direct Marketing)
• Filed and secured product approval for various Life & Annuity products across various jurisdictions
• Maintenance of all crediting rates for Life & Annuity products and key liaison with Corporate Investment team
• Developed projection software and illustration package for Universal Life block
• Maintained profit models for all Life & Annuity products and led management reporting process
• Initiated actuarial calculations procedures and led development team related to inter-departmental actuarial support
• Research and development of departmental procedural documents including UL product development procedure, TAMRA & 7702 guideline procedures, AG49 compliance, Nonforfeiture calculation guidelines
• Received Bankers Recognition Award for Outstanding Service – 2005 (Life/Annuity Section)
• Received CNO Patterns of Success – Red Ribbon for Outstanding Performance – 2014 and 2015 

Actuarial Assistant                                                                           8/1999-12/2004

Conseco Services, Inc.                                                                       Chicago, IL

• Maintained reserving models for Group Life, Major Medical, DI and Special Risk Business – Group Valuation
• Responsible for quarterly and annual reporting – Claim Liabilities and Active Life Reserves for Group Business
• Developed inter-departmental tools for Claim Liability calculation and Loss Ratio Forecasting/Recasting
• Developed and maintained numerous managerial reporting tools and correspondence
• Assisted with reinsurance treaty analysis and financial reporting related to various forms of reinsurance for Group Life and Major Medical Business

Senior Actuarial Analyst                                                                 10/1997-8/1999

Conseco Services, LLC.                                                                    Chicago, IL 

• Maintenance of administrative rating system for all major medical products
• Created special in-house rating system for specialized medical products
• Main contributing analyst for four major administrative system conversions
• Prepared rate filings for Group and Individual Major Medical Forms
• Created Access-based financial valuation system for Group Life & Health business

Actuarial Analyst                                                                            11/1994-10/1997 

Pioneer Financial Services, Inc.                                                       Schaumburg, IL

• Maintenance of rates for all of the company’s underage major medical products
• Financial and Demographic reporting for mandatory state filings
• Main actuarial analyst for departmental and customer complaints and rate inquiries
• Streamlined process for maintenance of new business rate increases
• Involved with the creation of the company’s Group Rating Manual and administrative coding system

Bachelor of Arts & Sciences in Mathematics and Economics              1994

Washington University in St. Louis                                                         St. Louis, MO