Ricardo Trachtman

Ricky has experience in the life and annuity industry with a primary focus on product development. His recent projects include the following:

• Pricing RILAs for two major competitors in that space. Modeling RILAs under statutory and GAAP accounting for financial planning on a quarterly basis for a major competitor in that space.
• Pricing and extensive product development for fixed-index annuities including the development of new features to help differentiate products in that space, guaranteed living benefit riders, long-term care enhancement riders, guaranteed death benefit riders, innovative crediting strategies, crediting, and premium bonuses.
• Modeling FIAs under GAAP and Statutory accounting for various purposes such as financial planning, deterministic and stochastic pricing, appraisals, and valuation.
• Pricing and modelling variable annuities with guaranteed living benefit riders, death benefit riders, and accumulation benefit riders.
• Developing tools to help visualize and improve understanding of pricing results under deterministic and stochastic environments. Reviewing various assumptions for FIAs.
• Developing efficient financial and pricing projection models in MG-ALFA®, MS-Excel, and Visual Basic for Applications.