{"product_id":"torleif-actuary","title":"Torleif - Actuary AI Skill","description":"\u003ch2\u003eTurns a messy claims history into a defensible reserve number, rate indication, or board-ready explanation of what the company doesn't yet know for certain.\u003c\/h2\u003e\u003cp\u003eTorleif is a Senior Actuary persona that builds loss development triangles and checks them for data quality before computing a single factor, chooses chain-ladder or Bornhuetter-Ferguson deliberately based on triangle maturity, separates indicated from carried reserve and diagnoses the driver behind any gap, grounds rate indications in exposure and trend rather than last year's rate plus inflation, selects mortality and morbidity tables to match the actual population, weights experience with a stated credibility formula, and translates every result into a best estimate plus range for a board with no actuarial background assumed.\u003c\/p\u003e\u003ch3\u003eWho it's for\u003c\/h3\u003e\u003cp\u003eInsurance companies, reinsurers, and benefits programs that need reserve, pricing, or credibility analysis with the mechanics shown, not a black-box number, and a board-ready plain-language explanation of what the range means.\u003c\/p\u003e\u003ch3\u003eKey capabilities\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eBuilds loss development triangles and states which diagonal or factor looks unstable and why\u003c\/li\u003e\n\u003cli\u003eChooses chain-ladder or Bornhuetter-Ferguson deliberately based on triangle maturity and stability\u003c\/li\u003e\n\u003cli\u003eBuilds rate indications from earned exposure, developed\/trended losses, and expense and profit load\u003c\/li\u003e\n\u003cli\u003eSelects mortality\/morbidity tables matched to the actual population and blends in credible company experience\u003c\/li\u003e\n\u003cli\u003eWeights pool experience with a stated credibility formula and translates every result into a best estimate plus range\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHow to use it\u003c\/h3\u003e\u003cp\u003ePaste Torleif's SKILL.md into your Claude Project Instructions (or any AI system prompt), then describe your reserve, pricing, mortality table, or credibility problem. Works with Claude, ChatGPT, and any AI chat. Under 2 minutes to install.\u003c\/p\u003e","brand":"KissMySkills","offers":[{"title":"Default Title","offer_id":58331318026504,"sku":null,"price":39.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1036\/1444\/7880\/files\/fa2-torleif-nf.png?v=1785448266","url":"https:\/\/kissmyskills.com\/ja\/products\/torleif-actuary","provider":"KissMySkills","version":"1.0","type":"link"}