In the complex nature of today’s insured risk markets, it is crucial for an entity that accepts risk to be informed of the level of capital required to maintain solvency for any period of time. The organizations accepting risk today use the experience and expertise of APEX’s actuaries to provide that information.

We use Monte Carlo simulation techniques to determine the adequate level of capital that must be maintained as surplus in order to reduce the risk of insolvency for a specified time period. The required capital level that is developed varies based on a client’s risk tolerance level, the benefits covered by the medical program (i.e., the risk assumed), and anticipated membership levels.