Our Main Practice Areas   Our clients depend on us to provide a wide range of actuarial services in the following areas:   Ø       Pension Consulting in the areas of IFRS compliance valuations such as IAS/FRS 19: Retirement or Severance Benefits Liability Valuation, IFRS 2/FRS 102: Employee Stock Options Plan Liability & Expense Valuation.   Ø       Life Insurance Consulting in the areas of Actuarial, Sales & Marketing, Operation & Management, Appraisal Valuation, Mergers & Acquisitions, Reinsurance Placement, and Appointed Actuary.   Ø       Health Insurance Consulting in the areas of Product Design & Pricing, Experience Analysis, IBNR Calculation, Portability & Lifetime Coverage Solutions, and Actuarial Certification.   Ø       Reinsurance Solutions for better risk management, effective capital deployment, and improved competitiveness.  Optimal retention studies and new reinsurer sourcing for both traditional Reinsurer and Re-Takaful.   Ø      Employee Benefits Consulting in the areas of Flexible Benefits Plan Design & Pricing, Regional Group Insurance Solutions & Plan Administration Outsourcing, Key Employees Retirement Benefits Design & Tax Effective Pension Solution.   Ø      Lifetime Global Medical Insurance Solutions that include products that cover International (Expatriate) Medical Insurance, Pre-existing Conditions, and Lifetime Medical Insurance.