Actuarial Factor is an independent actuarial consulting firm specializing in property and casualty insurance companies and captive insurance companies, which provides actuarial services at the highest level of expertise for all lines of business, and in all jurisdictions in the United States, Latin America, and the Caribbean. 

Actuarial Factor assists clients with these critical aspects of their business: 

• New product development and filing  

​• Product pricing 

• Reserve adequacy analyses 

• Expert testimony

• Profitability analyses 

• Peer reviews

• Mergers and acquisitions evaluations  

Actuarial Factor's Advantages 

Expertise and High Standards

As a Fellow of the Casualty Actuarial Society with more than 18 years working with Fortune 500 insurance companies that served the United States and Latin America markets, Esperanza ("Espy") has developed a reputation for expertise, thoroughness, and accuracy.  


Simplify the Complex

Actuarial processes are typically quite complex but reporting results doesn’t need to be.  Handling the complexity is what we do well, and you get simplified results, which are easy to understand.

Cost Efficiency

As a small firm with lower operating costs, Actuarial Factor provides high quality work at a reasonable cost.  

Full Range of Line of Business

Actuarial Factor’s sole focus is property and casualty. From rate filings and reviews, pricing and reserving, to mergers and acquisitions evaluations, we cover all lines of business including specialty niche consumer products, in every state of the United States, as well as in Latin America and the Caribbean.   


United States and Latin American Insurance Companies Experience

Our expertise extends beyond the United States market into Latin America. In addition to the extensive insurance industry experience, we are very familiar with the Latin American countries, regulations, culture, and language, giving our clients that “insider’s edge.”