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Michael W. Santore, FSA, MAAA

Consulting Actuary
Tampa, FL, US

Tel: +1 813 2829262

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Professional Designations

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


  • BA, Mathematics, University of South Florida
  • MA, Mathematics, University of South Florida

Current Responsibility

Mike is a consulting actuary with the Tampa office of Milliman. He joined the firm in 2016, after spending 17 years in the life industry corporate setting.


Prior to joining Milliman, Mike worked for Transamerica where he was involved in various aspects of the life business, including modeling, valuation, financial reporting, pricing, and asset liability management. During that time, Mike was primarily responsible for Statutory and IFRS reserving for indexed universal life (IUL), including implementing FAS133, implementation of an IUL hedging program, and managing inforce management initiatives on the life portfolio.

Mike specializes in a full range of life products, including IUL, universal life with secondary guarantees, and term. He has extensive experience in life modeling, including quarterly GAAP/IFRS reporting, cash flow testing, European embedded value, and market-consistent valuation. He also has significant experience with MG-ALFA, TAS, MoSes and GGY AXIS modeling software.

Mike has leveraged this expertise in development of a first-principle long-term care replication model, evaluating potential mergers and acquisitions, and overseeing the creation of an agent-owned reinsurance company.

  • Work at Milliman

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