Navigate today’s most pressing health industry challenges with a leading global expert by your side.
Discover intelligent digital solutions to help improve outcomes, manage costs, and solve the toughest healthcare challenges.
Meet growing needs for innovative insurance solutions while increasing operational health and improving compliance.
Property & casualty advisory services
Modern flood insurance program
Investment, advisory & trading services
Financial modeling & industrialization
Insurance risk assessment
Geographic rating insights
Premium comparison platform
Retirement & Benefits
Deliver on the promises of the past and create smart solutions for the future.
Pension administration & communication
Retirement benefits administration platform
Compensations & benefits
Benefit plan evaluation
Health & welfare benefits administration platform
Manage complex risks using data-driven insights, advanced approaches, and deep industry experience.
Auto policy underwriting
Software performance enhancement
Mortgage platform for investments & reinsurance
Solvency II reporting & compliance
This is a place where your ideas and insights make an impact. Where an independent, entrepreneurial spirit is an advantage. And where diversity of thought and experience makes us who we are.
Data-driven insight. Deep expertise. Transformative innovation. Since 1947, Milliman has delivered intelligent solutions to improve health and financial security.
Milliman’s mortgage insurance and lender loan loss reserving framework leverages our unique combination of independence and depth of industry expertise to tailor custom models designed from either proprietary or industry data sources. Our models estimate the potential frequency and loss given default of mortgage loans from origination to their final termination.
Advantages of Milliman’s modeling framework include:
The marriage of mortgage insurance and mortgage lending experience developed over the past 20 years and leading modeling techniques have yielded among the most auditor-respected modeling approaches in the industry. Clients leverage Milliman’s loan loss reserving framework for:
Milliman’s extensive experience in consulting to the mortgage insurance industry yields unique perspective in reserve estimation. The Milliman framework examines a variety of methods to arrive at a best estimate of future delinquency related losses in consideration of a company’s definition of reserveable occurrence.
Our team is dedicated to analyzing mortgage and credit risk, specializing in statistical, actuarial, and econometric risk-assessment techniques.
Milliman assists clients with compliance-related analytics for both fair lending and quality control reviews.
We combine actuarial and modeling expertise with capital markets structure analysis to deliver meaningful financial feasibility studies.
We specialize in building customized and cost-effective solutions to measure and manage the risks associated with originating credit risk.
Ken Bjurstrom is a principal with the Milwaukee office of Milliman and joined the firm in 1998. He manages a practice dedicated to analyzing the financial risks associated with issuing and servicing mortgages, mortgage guaranty insuran...
Mike Schmitz is a principal and consulting actuary in the Milwaukee office of Milliman. He has been with the firm since 1993. Mike manages a practice dedicated to financial risks such as mortgage guaranty, financial guaranty, and credi...
Ask the tough questions. We’re ready for them.