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Jennifer M. Fleck, FSA, MAAA

Consulting Actuary
Portland, ME, US

Tel: +1 207 7711202

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Professional Designations

  • Fellow, Society of Actuaries
  • Member, American Academy of Actuaries


  • BA, Mathematics, Ithaca College, magna cum laude

Current Responsibility

Jennifer Fleck is a consulting actuary with the Portland, Maine, office of Milliman. She joined the firm in 2016.


Jennifer is a consulting actuary specializing in disability and group life insurance. Her areas of expertise include pricing, product design, reinsurance, and financial modeling.

Prior to joining Milliman, Jennifer had more than 20 years of experience working in a variety of actuarial roles. She has experience pricing and managing various products from both a direct and a reinsurance perspective, including group disability, life, retirement plans and health; and individual disability, life, and annuities.

Jennifer was previously with Sun Life Financial, Unum, and The Hartford, where she held senior actuarial roles in pricing (both large and small cases), modeling, data management, reinsurance pricing, and client management.

Presentations and publication

Jennifer is a frequent speaker at the Society of Actuaries and other industry meetings. She has authored articles in The Stepping Stone, Product Matters!, Milliman’s Health & Group Benefits Update, Milliman’s Benefits Perspectives, Milliman Insight, and she is a contributing editor to Milliman’s Disability Newsletter.

Jennifer is the author of the Society of Actuaries’ research paper on Individual Life Waiver of Premium and is the lead researcher performing an updated experience analysis on that product.


  • Jennifer is the vice-chairperson of SOA Waiver of Premium Experience Study Committee and a member of the SOA Group Life Experience Committee. She is also the chairperson of the SOA/AAA committee to create a new Waiver of Premium experience table.
  • Jennifer is the founder and president of the Northern New England Actuaries’ Club. Previously, she was the chairperson of the Management and Personal Development Section of the Society of Actuaries. She was also an officer of the Actuaries Club of Hartford and Springfield.
  • Work at Milliman

    • “I was offered a chance to come in, shake things up, create something."
    Work at Milliman