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Actuarial services

Consulting in Life & Health
Insurance, Pension Fund & Reinsurance
Pricing, product development,
Underwriting & Claim management
Market Business Development (region/ country/ portfolio)
Products understanding
Legal aspects & Pricing implications
Our aim is to share our knowledge & provide you with tools for making the right decisions

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PROVIDED SERVICES

  • Actuarial advices
  • Pricing, Profitability of products, tenders
  • Research on market data
  • Legal understanding
  • ISRAEL/ FRANCE / EUROPE Markets

    • Insurance Regulation Data-base
    For the first time,
    classification & translation in English of the Israeli Insurance regulation containing a great deal of information on various issues.
    Interesting for Israeli market Players but also for building knowledge on products, legal issues and evolution of regulation.

    Product classification : Type of document :

    MORE INFORMATION
    DOCUMENT
    LTC.1
    PUBLIC

    Name: Editing LTC plan

    Content: Policy Conditions

    Status: Final

    Year: 2002


    MORE INFORMATION
    DOCUMENT
    LTC.2
    PUBLIC

    Name: Definition of insurance event

    Content: Definition

    Status: Final

    Year: 2003


    MORE INFORMATION
    DOCUMENT
    LTC.3

    Name: Editing LTC plan

    Content: Policy Conditions

    Status: Final

    Year: 2013


    MORE INFORMATION
    DOCUMENT
    LTC.4

    Name: Definition of insurance event

    Content:Definition

    Status:Draft

    Year: 2014


    MORE INFORMATION
    DOCUMENT
    LTC.5

    Name:Definition of insurance event in LTC

    Content:Definition

    Status:Final

    Year: 2015


    MORE INFORMATION
    DOCUMENT
    LTC.6

    Name:Clarification regarding the reexamination of entitlement

    Content:Definition

    Status:Final

    Year: 2017


    MORE INFORMATION
    DOCUMENT
    LTC.7

    Name:SECTION 6 PART 3 – LONG-TERM CARE INSURANCE- Providers of assessment in LTC

    Content:Claims process- claims handling

    Sstatus:Final

    Year: 2020


    MORE INFORMATION
    DOCUMENT
    GROUP LTC.8
    PUBLIC

    Name: Group LTC insurance

    Content: Policy Conditions

    status: Final

    year: 2004


    MORE INFORMATION
    DOCUMENT
    GROOUP LTC.9

    Name:GROUP LTC

    Content:Group specificities

    Status:DRAFT

    Year: 2016


    MORE INFORMATION
    DOCUMENT
    GROUP LTC.10

    Name:SECTION 6 PART 3 – LONG-TERM CARE INSURANCE

    Content:Terms for Group policies

    Status:FINAL

    Year: 2017


    MORE INFORMATION
    DOCUMENT
    LTC SF.11

    Name:GROUP LTC INSURANCE FOR SICK FUNDS MEMBERS

    Content:Principles

    Status:FINAL

    Year: 2016


    MORE INFORMATION
    DOCUMENT
    LTC SF.12

    Name:Supervision of Financial Services regulations (Insurance) (Group LTC Insurance for Sick Funds Members) (Amendment)

    Content:Regulation

    Status:FINAL

    Year: 2016


    MORE INFORMATION
    DOCUMENT
    LTC SF.13

    Name:Supervision of Financial Services regulations (Insurance) (Group LTC Insurance for Sick Funds Members) (Amendment)

    Content:Regulation

    Status:Update

    Year: 2017


    MORE INFORMATION
    DOCUMENT
    LTC SF.14

    Name:SECTION 6 PART 3 – LONG-TERM CARE INSURANCE

    Content:Management; insurance

    Status:Final

    Year: 2018


    MORE INFORMATION
    DOCUMENT
    LTC SF.15

    Name:SUPERVISION OF FINANCIAL SERVICES regulations (INSURANCE) (GROUP LTC INSURANCE FOR SICK FUNDS MEMBERS) (AMENDMENT 3)-2018

    Content:Regulation

    Status:DRAFT

    Year: 2018


    MORE INFORMATION
    DOCUMENT
    LTC SF.16
    TO COME

    Name:Supervision of Financial Services regulations (Insurance) (group LTC insurance for health fund members) (Amendment 2)

    Content: Specificity SF Meouhedet

    Status:DRAFT

    Year: 2018


    MORE INFORMATION
    DOCUMENT
    LTC SF.17

    Name:SECTION 6 PART 3 – LONG-TERM CARE INSURANCE

    Content:Introduction new layers

    Status:DRAFT

    Year: 2020


    MORE INFORMATION
    DOCUMENT
    LTC SF.18
    NEW

    Name:SECTION 6 PART 3 – LONG-TERM CARE INSURANCE

    Content:Introduction new layers

    Status:FINAL

    Year: 2020


    MORE INFORMATION
    DOCUMENT
    LTC SF.19
    TO COME

    Name: Supervision of Financial Services regulations (Insurance) (Group LTC Insurance for Sick Fund Members) (2020-)

    Content: Regulation

    Status: FINAL

    Year: 2020


    MORE INFORMATION
    DOCUMENT
    LONGEVITY.21
    PUBLIC

    Name: Calculation of reserves for annuity payment in life assurance policies

    Content: Measure-reserves

    Status: Final

    Year: 2007


    MORE INFORMATION
    DOCUMENT
    LONGEVITY.22

    Name:Calculation of reserves for annuity payment in life assurance policies

    Content:Measure-reserves

    Status:FINAL

    Year: 2013


    MORE INFORMATION
    DOCUMENT
    LONGEVITY.23

    Name:MARKETING OF LIFE INS. POLICIES THAT INCLUDE WARRANTEED ANNUITY COEFFICIENTS

    Content:Principles of marketing

    Status:FINAL

    Year: 2012


    MORE INFORMATION
    DOCUMENT
    LONGEVITY.24

    Name:MARKETING OF LIFE INS. POLICIES THAT INCLUDE WARRANTEED ANNUITY COEFFICIENTS

    Content:Principles of marketing

    status:FINAL

    Year: 2016


    MORE INFORMATION
    DOCUMENT
    LifeMortgage.26
    PUBLIC

    Name: Change of insurance amount in Life ins. policies related to housing loans

    Content: Clarification

    Status: Final

    Year: 2015


    MORE INFORMATION
    DOCUMENT
    LifeMortgage27

    Name: LIFE INS. PLANS RELATED TO HOUSING LOANS

    Content: Provisions

    Status: Draft

    Year: 2017


    MORE INFORMATION
    DOCUMENT
    PHI.32

    name:Guidelines for Loss of Working ability Insurance Plan

    content: Policy conditions, exclusions, covers

    status: DRAFT

    year: 2015


    MORE INFORMATION
    DOCUMENT
    PHI.33

    name: Guidelines for Loss of Working ability Insurance Plan

    content: Policy conditions, exclusions, covers

    status: FINAL

    year: 2016


    MORE INFORMATION
    DOCUMENT
    PHI.34

    name:Guidelines for Loss of Working ability Insurance Plan

    content: Policy conditions, exclusions, covers

    status:FINAL

    year: 2018


    MORE INFORMATION
    DOCUMENT
    PHI.35

    name:Marketing of Loss of Working ability Insurance Plan

    content:Marketing conditions

    status:FINAL

    year: 2019


    MORE INFORMATION
    DOCUMENT
    MORTALITY.37

    name: Updating demographic assumptions in life ins. and mortality improvements model for insurance companies and pension funds

    content: Research paper- Results and recommendations

    status: FINAL
    year: 2019


    MORE INFORMATION
    DOCUMENT
    MORTALITY.38

    name:Updating demographic assumptions in life ins. and mortality improvements model for insurance companies and pension funds

    content:EXCEL TABLE

    status:FINAL

    year: 2019


    MORE INFORMATION
    DOCUMENT
    PHI.39
    PUBLIC

    Name: Professional rehabilitation in loss of working ability insurance policy with specific occupation definition

    Content: Clarification

    status: Final

    year: 2008


    MORE INFORMATION
    DOCUMENT
    SOLV.EQUITY 52
    PUBLIC

    Name: Ref. to the Stock exchange Clearing houses regarding capital requirements in Economic Solvency Regime based on Solvency II

    Content: POSITION

    status: Final

    year: 2017


    MORE INFORMATION
    DOCUMENT
    SOLV.EQUITY 53

    Name:DEFINITION OF RECOGNIZED CAPITAL AND REQUIRED CAPITAL IN COMPLEX CAPITAL INSTRUMENTS

    Content:DEFINITION

    Status:FINAL

    Year: 2017


    MORE INFORMATION
    DOCUMENT
    SOLV.EQUITY 55

    Name:Instructions regarding Insurer's equity for solvency

    Content:Formulation for economic solvency calculation

    Status:DRAFT

    Year: 2015


    MORE INFORMATION
    DOCUMENT
    SOLV.EQUITY 56

    Name:Instructions regarding Insurer's equity for solvency

    Content:Formulation for economic solvency calculation

    Status:DRAFT AMENDMENT

    Year: 2019


    MORE INFORMATION
    DOCUMENT
    SOLV.EQUITY 57
    NEW

    Name:Instructions regarding Insurer's equity for solvency

    Content:Formulation for economic solvency calculation

    Status:FINAL AMENDMENT

    Year: 2020


    MORE INFORMATION
    DOCUMENT
    SOLV.IMPLEM 60

    Name:Implementing an economic solvency regime of an Insurance company based on the Directive Solvency 2

    Content:progressive implementation

    Status:FINAL

    Year: 2017


    MORE INFORMATION
    DOCUMENT
    SOLV.IMPLEM 61

    Name:Implementation of transitional provisions under economic solvency regime

    Content:Consultation paper

    Status:FINAL

    Year: 2019


    MORE INFORMATION
    DOCUMENT
    SOLV.IMPLEM 63

    Name:Implementing an economic solvency regime of an Insurance company based on the Directive Solvency 2

    Content:Update of progressive implementation, uniformisation

    Status:Draft3

    Year: 2020


    MORE INFORMATION
    DOCUMENT
    SOLV.IMPLEM 64
    NEW

    Name:Implementing an economic solvency regime of an Insurance company based on the Directive Solvency 2

    Content:Update of progressive implementation, uniformisation

    Status:FINAL

    Year: 2020


    MORE INFORMATION
    DOCUMENT
    SOLV.COD 75

    Name:Supervision of Insurance Business Regulations (Minimum Equity Required of an Insurer)

    Content:Capital Calculation;

    Status:Final

    Year: 1998


    MORE INFORMATION
    DOCUMENT
    SOLV.COD 77

    Name:Supervision of Financial Services (Insurance) (Minimum Equity Required for an Insurer's License) Regulations, 5767-2017

    Content:Required capital;

    Status:Draft

    Year: 2017


    MORE INFORMATION
    DOCUMENT
    SOLV.IQIS 80

    Name:Guidance for implementing IQIS for year 2015

    Content:Highlights of differences between European regulation and Israeli market

    Status:FINAL

    Year: 2016


    MORE INFORMATION
    DOCUMENT
    CRI.ILLNESS 90
    PUBLIC

    Name: Definitions of Sicknesses in Critical Illness Insurance

    Content: DEFINITIONS

    status: Final

    year: 2003


    MORE INFORMATION
    DOCUMENT
    CRI.ILLNESS 91

    Name:Editing Critical Illness Insurance Plan

    Content:UPDATE

    Status:FINAL

    Year: 2013


    MORE INFORMATION
    DOCUMENT
    CRI.ILLNESS 92

    Name:Editing Critical Illness Insurance Plan

    Content:UPDATE

    Status:DRAFT

    Year: 2015


    MORE INFORMATION
    DOCUMENT
    CRI.ILLNESS 93

    Name:Editing Critical Illness Insurance Plan

    Content:UPDATE

    Status:FINAL

    Year: 2015


    MORE INFORMATION
    DOCUMENT
    DENTAL 98

    Name:Dental insurance

    Content:Definiton of included covers

    Status:FINAL

    Year: 2012


    MORE INFORMATION
    DOCUMENT
    HEALTH.PRICE 100
    PUBLIC

    Name: Principles for premium adjustment for existing members

    Content: Tariff change conditions

    status: Final

    year: 2005


    MORE INFORMATION
    DOCUMENT
    HEALTH.PRICE 101

    Name:Principles for premium adjustment for existing members

    Content:Tariff change conditions

    Status:FINAL

    Year: 2015


    MORE INFORMATION
    DOCUMENT
    TRAVEL 105

    Name: Section 6 Part 3 Chapters 1, 3 and 4 - Travel Insurance

    Content:Insurance plan definition

    Status:FINAL

    Year: 2017


    MORE INFORMATION
    DOCUMENT
    TRAVEL 106

    Name: Group overseas Travel insurance for sick fund members and travel agencies customers

    Content:Marketing principles

    Status:FINAL

    Year: 2014


    MORE INFORMATION
    DOCUMENT
    Personal.Acc 110

    Name: Modality of marketing PA policies

    Content:Marketing principles

    Status:FINAL

    Year: 2016


    MORE INFORMATION
    DOCUMENT
    Personal.Acc 111

    Name: Section 6 Part3 Chapter 2-3-4- Personal Accident insurance

    Content:Update on PA

    Status:DRAFT

    Year: 2019


    MORE INFORMATION
    DOCUMENT
    Personal.Acc 112

    Name: Section 6 Part3 Chapter 2-3-4- Personal Accident insurance

    Content:Update on PA

    Status:FINAL

    Year: 2020


    MORE INFORMATION
    DOCUMENT
    PRIVATE. HEALTH 116

    Name: Independence between the covers

    Content:Different covers marketing

    Status:FINAL

    Year: 2015


    MORE INFORMATION
    DOCUMENT
    PRIVATE. HEALTH 117

    Name: Editing programm for Private Health insurance

    Content:PLAN DEFINITIONS

    Status:FINAL

    Year: 2015


    MORE INFORMATION
    DOCUMENT
    SURGERY 121
    FREE

    Name: Compensation for cover of private surgery in Israel

    Content: Clarification

    status: Final

    year: 2013


    MORE INFORMATION
    DOCUMENT
    SURGERY 122

    Name: Conditions in insurance contract for surgeries and for surgical replacements treatments in Israel

    Content:Policy conditions

    Status:FINAL

    Year: 2015


    MORE INFORMATION
    DOCUMENT
    SURGERY 123

    Name: Deductible in Surgeries insurance

    Content:Implementation conditions

    Status:DRAFT

    Year: 2017


    MORE INFORMATION
    DOCUMENT
    SURGERY 124

    Name: Deductible in Surgeries insurance

    Content:Implementation conditions

    Status:FINAL

    Year: 2018


    MORE INFORMATION
    DOCUMENT
    UW.EQUITY 130

    Name: Equal Rights Law for People with handicaps

    Content:People with handicaps

    Status:Draft

    Year: 2014


    MORE INFORMATION
    DOCUMENT
    UW.EQUITY 131

    Name: Equal Rights Law for People with handicaps

    Content:People with handicaps

    Status:Final

    Year: 2015


    MORE INFORMATION
    DOCUMENT
    UW.MED 132

    Name: Principles for editing medical underwriting

    Content:Philosophy of medical underwriting

    Status:Draft

    Year: 2014


    MORE INFORMATION
    DOCUMENT
    UW.MED 133

    Name: Principles for editing medical underwriting

    Content:Philosophy of medical underwriting

    Status:Final

    Year: 2015


    MORE INFORMATION
    DOCUMENT
    UW.MED 134

    Name: Principles for editing medical underwriting

    Content:Philosophy of medical underwriting

    Status:AMENDMENT

    Year: 2020


    MORE INFORMATION
    DOCUMENT
    REINS.FUNDS 140

    Name: Transfer of money to Reinsurers outside Israel

    Content:Conditions & Garanties

    Status:FINAL

    Year: 2014


    MORE INFORMATION
    DOCUMENT
    REINS.FUNDS 141

    Name: Transfer of money to Reinsurers outside Israel

    Content:Conditions & Garanties

    Status:DRAFT AMENDMENT

    Year: 2019


    MORE INFORMATION
    DOCUMENT
    REINS.REPORTS 143

    Name: Reinsurance reports to the Commissioner (reinsurance)

    Content:Description of reporting elements

    Status:DRAFT

    Year: 2017


    MORE INFORMATION
    DOCUMENT
    REINS.REPORTS 144

    Name: Reinsurance reports to the Commissioner (reinsurance)

    Content:Description of reporting elements

    Status:DRAFT

    Year: 2017


    MORE INFORMATION
    DOCUMENT
    REINS.REPORTS 145

    Name: Reinsurance reports to the Commissioner (reinsurance)

    Content:Description of reporting elements

    Status:FINAL AMENDMENT

    Year: 2020


    MORE INFORMATION
    DOCUMENT
    NEW PF.150

    Name: Rights and obligations of members in the new comprehensive pension fund

    Content:Accompanying Circular

    Status:FINAL

    Year: 2016


    MORE INFORMATION
    DOCUMENT
    NEW PF.151

    Name: Rights and obligations of members in the new comprehensive pension fund

    Content:POLICY CONDITIONS

    Status:FINAL

    Year: 2016- UPDATED 2018


    MORE INFORMATION
    DOCUMENT
    NEW PF.152

    Name: Rights and obligations of members in the new comprehensive pension fund

    Content:insurance cover routes, new coeff

    Status:UPDATE

    Year: 2018


    MORE INFORMATION
    DOCUMENT
    NEW PF.153
    PUBLIC

    Name: Payments to annuity recipients who went outside the country for a continuous period

    Content: Corona context

    status: Final

    year: 2020


    MORE INFORMATION
    DOCUMENT
    NEW PF.154

    Name: Disability annuity in the event of entitlement to annuity from another source

    Content:PHI COVER; MULTIPLE SOURCES

    Status:FINAL

    Year: 2015


    MORE INFORMATION
    DOCUMENT
    KARNIT POOL.163

    Name: REFUND OF FUNDS FROM KARNIT TO THE INSURED PUBLIC

    Content:KARNIT INS POOL

    Status:FINAL

    Year: 2016


    MORE INFORMATION
    DOCUMENT
    KARNIT POOL.164

    Name: REFUND OF FUNDS FROM KARNIT TO THE INSURED PUBLIC

    Content:KARNIT INS POOL- Specificities

    Status:DRAFT AMENDMENT & note

    Year: 2017


    MORE INFORMATION
    DOCUMENT
    KARNIT POOL.165

    Name: REFUND OF FUNDS FROM KARNIT TO THE INSURED PUBLIC

    Content:KARNIT INS POOL- Specificities

    Status:FINAL AMENDMENT

    Year: 2017


    MORE INFORMATION
    DOCUMENT
    HOME INS.166

    Name: Supervision of Insurance Business (Conditions of a Contract for Home & Contents INS)

    Content:HOME & CONTENTS INS- Policy conditions

    Status:2ND DRAFT

    Year: 2014


    MORE INFORMATION
    DOCUMENT
    HOME INS.167

    Name: Provision of the Consolidated Circular- Water damage in home insurance

    Content:Plumbers -way of operations

    Status:AMENDMENT

    Year: 2016


    MORE INFORMATION
    DOCUMENT
    MOTOR VEHICULE.170

    Name: Distribution of the Burden of Compensation among Insurers

    Content:Cost of insurance for motorcyle

    Status:Draft update

    Year: 2017


    MORE INFORMATION
    DOCUMENT
    MOTOR VEHICULE.171

    Name: Variables in Compulsory Motor branch

    Content:Definitions

    Status:Final

    Year: 2013


    MORE INFORMATION
    DOCUMENT
    MOTOR VEHICULE.172

    Name: Variables in Compulsory Motor branch

    Content:Definitions

    Status:Update

    Year: 2016


    MORE INFORMATION
    DOCUMENT
    MOTOR VEHICULE.173

    Name: Provisions of the Consolidated Circular in the compulsory motor insurance branch

    Content:Tariffs

    Status:Amendment

    Year: 2016


    MORE INFORMATION
    DOCUMENT
    MOTOR VEHICULE.174

    Name: Provisions of the Consolidated Circular in the compulsory motor insurance branch

    Content:Tariffs

    Status:Amendment 2

    Year: 2016


    About


    Murielle Busbib ,
    Qualified Senior Actuary with proven international experience
    Fellow of the International, French & Israeli Actuarial Associations
    More than 25 years of experience in Insurance & Reinsurance Companies
    Specialist in Life & Health Reinsurance
    Expertise in LTC, group & individual
    Pricing & Complex Risks high expertise (All risks and worldwide cover)
    Building up of products through all the needed stages
    Capitalizing on Insurance, Pension Funds & Reinsurance
    Direct marketing experience
    Israel/ France / EUROPE Market Expertise

    Contact US


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