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.
Financial modeling & industrialization
Insurance risk assessment
Retirement & Benefits
Deliver on the promises of the past and create smart solutions for the future.
Compensations & benefits
Benefit plan evaluation
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.
Accelerating risk innovation
Milliman Appleseed is an advisory organization licensed to submit loss costs, rating factors, and risk scores with state insurance regulators across the U.S. Insurtechs with new and innovative risk scoring approaches can meet regulatory requirements faster, more easily, and at lower cost, by filing through Milliman Appleseed.
We can manage the entire process end to end, including filing products with state insurance departments directly. Insurers can immediately adopt approved rating plans and scores, and a B2B insurtech can obtain regulatory approvals even before they get their first insurer on board.
Our best-in-class products and transformative technology enable you to achieve your strategic goals faster. With affordable, pay-as-you-go access, you don’t have to build out these capabilities internally—and you get responsive service to ensure continuous value.
Our business model is based on partnership, not ownership—your intellectual property belongs to your organization, always. With fast state rollouts, you can speed up ROI.
As an independent advisory organization, we are dedicated to tailoring services to fit your unique business opportunity and getting your solution to market faster.
Our extensive experience and trusted relationships with state insurance departments, combined with our expertise in innovative ratemaking and predictive modeling methods, enables us to get approvals for complex methodologies and tough jurisdictions.
Improve your speed to market, accelerate growth, and foster agile innovation.
Accelerate filing rollouts that speed up launch of customers’ countrywide programs.
Reduce the costs associated with adopting new scores, while reducing the risk of non-approval.
AccuRate Fleet™ is a usage-based insurance score designed to enable more accurate pricing of fleet exposure and driving behavior risk.
Milliman Bungalow is a private flood insurance plan that includes advisory loss costs, risk classification rating factors, and rating rules.
Milliman PinPoint delivers relevant geographic rating insights to your system at the point of decision through a simple API.
Insurers face increasing complexity and information overload. We use artificial intelligence (AI) to do the heavy lifting, freeing experts to discover opportunities and create value.
Assess capital requirements under a wide range of frameworks and get effective strategic advice on how to manage capital.
Lower loss and loss adjustment expense costs, get litigation support, and improve claims operations.
Deliver sophisticated and progressive insurance products at reasonable cost with the help of our data, analytics, and consulting expertise.
Uncover valuable information hidden in your data, allowing you to take action on key business insight.
Insurers, governments, experts, and citizens are coming together to mitigate short-term impacts and discover long-term solutions. Time is short and the implications are massive.
Any organization that deals with sensitive data faces increasing challenges in keeping that data safe. From guarding against sophisticated cyber criminals to preventing accidental data loss, staying safe means keeping one step ahead.
In todayʼs world, complacency has a cost. Unforeseen risks can even bring down a company. With so much at stake, the status quo really isnʼt an option.
Complex and unpredictable, flood hazards have typically been insured only by state or federal agencies and a select few private companies. Today, advanced modeling and data innovation are enabling the emergence of more options for those at risk.
Today, forward-thinking firms are leveraging technology in astonishing new ways that promise to transform the insurance industry.
Insurance has always been a data-driven business, but emerging technologies in the area of machine learning and artificial intelligence promise to enable a new generation of insights that look into the future, not just back to the past.
Often, regulatory approval and review can be costly, slow, and subject to significant uncertainty for an insurer that wants to incorporate an innovative product into its insurance rates. Milliman Appleseed solves this problem…
Ask the tough questions. We’re ready for them.