Ricardo Trachtman

Ricky has experience in the life insurance industry, with a focus in the area of product development. He has assisted in the development of a wide range of life and annuity products. His recent projects include the following:

• Pricing RILAs major competitors in that space with and without GLWBs
• Modeling RILAs under statutory and GAAP accounting for various purposes, including valuation and financial planning
• 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
• Developing efficient financial and pricing projection models in various platforms, including Integrate®