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Smith Group

Smith Group is a disability reinsurance risk manager and consultant specializing in custom disability reinsurance solutions and actuarial consulting.

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A Dedicated Team of Experts

A part of Guy Carpenter, the Smith Group team comprises 15 individuals, most with multiple decades of experience in the Group Insurance industry. We specialize in long-term disabilty (LTD), short-term disability (STD), life insurance and paid family medical leave (PFML).

Smith Group is a group benefits reinsurance risk manager and consultant providing: underwriting, actuarial and claims & product consulting, technology & data, market intelligence & surveys and thought leadership.

Work with Smith Group

Smith Group's value to its customers lies in the delivery of the best total disability reinsurance and consulting solutions through superior products, exceptional service and knowledge-based insight. Consult with us directly, with Guy Carpenter Reinsurance Broking or through our partnership with Munich Re.

Contact Us

  • Reinsurance Broking with Guy Carpenter

    By partnering with Guy Carpenter as your reinsurance broker, you’re getting best-in-class reinsurance intelligence and placement, as well as gaining access to Smith Group services, which deliver insights in all of the aspects of group benefits products and markets. Smith Group works closely with Guy Carpenter's Accident & Health Segment to assist clients with actuarial, underwriting, and claims management.

  • Our Partnership with Munich Re

    Munich Re and Smith Group have been partners for over twenty years. By choosing Munich Re as your LTD reinsurer, you have Smith Group as your partner—both in terms of supporting your LTD reinsurance and by having access to Smith Group’s unmatched consulting services in all group benefits products.

Our Expertise

Our operating model is to provide clients with customized risk management solutions and services based on each client’s unique circumstances and strategic priorities.

  • Claims & Products

    • Employee Retirement Income Security Act (ERISA) support • Complex claim analysis • Settlement review • Claim audits

  • Actuarial

    • Assumptions review • Data validations • Reserve valuation • Scenario testing • Incurred But Not Reported (IBNR) valuation • Reserve adequacy • Settlement analysis

  • Underwriting

    • File audits • Excess, quota share, facultative reinsurance consultation • Large case support • Training and education
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Services & Consultation

Through our deep industry relationships, the Smith Group delivers a host of services bespoke in the industry. 

Rates & Filings

  • Analyze competitive rates for LTD, STD, Life, and PFML – a service that has taken decades to build and brings unmatched competitive pricing intelligence
  • Track rate filings and historical changes
  • Produce summaries for dozens of pricing variables/factors within the manuals 

Surveys

  • Provide financial and data-driven annual surveys collecting intelligence from the entire industry on things like market share, expenses, and profits
  • Deliver experience tracking surveys for LTD, STD, and PFML – tracking any developing experience trends across the industry
  • Develop ad hoc surveys on a broad spectrum of topics – providing intelligence from actuarial, underwriting, claims, and product
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Market Intelligence & Thought Leadership

  • Conduct quarterly meetings to discuss industry earnings, new industry developments, and recent experience trends
  • Provide white papers, emails with relevant industry information, quarterly product newsletters, and weekly thought leadership from Smith Group's experts
  • Deliver timely and topical webinars plus access to the premier Group Life and Disability conference – The Maine Event

Powering Your Business With Insights

  • Segments

    Offering you specialized expertise that focuses market knowledge, product innovation and analytics on your unique challenges—to provide you with an enduring competitive advantage.

  • Risks

    Bringing together an unparalleled depth and breadth of capabilities and experience to turn your risks into profit and sustained growth.

  • Reinsurance Broking

    Tailoring your solutions to effectively and efficiently match the right capital with your evolving risk profile.
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