Accident and Health Consulting

Accident and Health Consulting

Waypoint Underwriting Management is your business partner for insurance compliance work, actuarial development, and SERFF form and rate filings.  We bring deep knowledge of the Accident and Health market space and recognize the need for speed-to-market. We work with your company to develop long-term, profitable results.

What Waypoint Offers

Policy Development

We develop Individual, Group, and Blanket policy forms to enhance your current offerings, get you in certain lines of business or create it from scratch. We review competitor’s filing to create a best in class product to enable long term success in Accident and Health or a certain market segment.

Rate Development

We develop claim costs for new filings, review your current claim cost, and create actuarial memos to be filed with the individual states.  We will also develop manual, experience and blended raters for all the market segments you are targeting

Claims Review

We review claims data on an overall book of business, market segment, broker, and any other way your company wants to evaluate your claims data to discover trends and reasons for high loss ratios, make your company aware when loss ratios are going bad and develop IBNR and Lag Factors for each market segment.  We will provide you with monthly, quarterly, semi-annual, and annual reports.

Underwriting Development

We will review your current Underwriting Manuals and Tools to uncover any weakness or areas of improvement.  If your company does not have one, we will develop all the necessary manuals and tools to improve and assist your current or new staff members.   We also can train staff with little prior experience on Accident and Health and how to underwrite Accident and Health insurance products which allows your senior staff members to market and quote their business.

Oversight of Claims TPA

We can assist your claims department in evaluating and determining which Claim TPA is best for your target market segments.  Once the agreement is signed, we can work with your claims department to oversee the Claims TPA.

Policy Issuance

We will issue bound policies on behalf of the Insurance Company.


We will work with agents and producers and P&C Insurance Companies to offer Accident and Life products to enhanced their current offerings.


Richard Powell

Head of Personal Accident

917 826 5091