Lockton's actuarial solutions include assisting you in setting rates, reserve levels, benefit design planning, contribution modeling, network discount and access analysis.

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Actuarial Solutions

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Actuarial Solutions

    Lockton works with clients to provide data analytics which assist our clients on making informed decisions regarding their people solutions.

    The Actuarial Solutions team develops models to help measure expected cost differences associated with variations in benefit plans and can show a range of possible outcomes, allowing the employer to calculate various scenarios and outcomes.

    Our actuaries can assist you in setting rates, reserve levels, benefit design planning, contribution modeling, network discount and access analysis.

    Our services

    • Rate setting and reserving

    • Plan design and contribution studies and modeling

    • Network discount and access analysis

    • Stop loss levels and terms evaluation

    • Projection of liabilities for retiree medical plans

    • Plan assumptions review

    Latest news & insights

    April to May 2025 saw a record 236% spike in distributed denial of service (DDoS) attacks across the Middle East and North Africa (MENA), according to a multisectoral analysis of government and private sector infrastructures. Beyond productivity and financial impact, DDoS attacks can cause the collapse of health and safety mechanisms that result in physical harm to people. The MENA Cyber Summit 2025 Annual Report highlights various sectors with vulnerabilities - the energy and manufacturing sectors are a case in point. In 2017, Triton malware targeted safety instrumented systems (SIS) in a Saudi petrochemical facility, disabling controls and risking explosions or loss of life if not contained. While the attack triggered an emergency shutdown without immediate casualties, it underscores the potential for catastrophic failures in MENA's industrial infrastructure, such as overridden emergency systems that can rapidly lead to fires or the release of toxic chemicals. Other regions have been less lucky. A 2023 study by the University of Minnesota demonstrated that hospitals in the United States hit by ransomware saw a 20-35% rise in in-hospital deaths due to delayed care and operational disruptions. Now, with sustained, worldwide, geopolitical tensions and the potential for cyberwarfare, the MENA region has become increasingly exposed to bodily injury as a result of cyber-physical attacks. Cyber-Physical Risks: Safeguarding Against Industrial Bodily Injury in the Middle East

    Cyber-Physical Risks: Safeguarding Against Industrial Bodily Injury in the Middle East

    article
    April to May 2025 saw a record 236% spike in distributed denial of service (DDoS) attacks across the Middle East and North Africa (MENA), according to a multisectoral analysis of government and private sector infrastructures.1 Beyond productivity and financial ...
    Read moreCyber-Physical Risks: Safeguarding Against Industrial Bodily Injury in the Middle East

    Lockton Expands into Saudi Arabia, Appoints Mohammad Al Abdul Jabbar as CEO

    Lockton expands into Saudi Arabia, launching direct operations in Riyadh with a team of 20 specialists. Led by CEO Mohammad Al Abdul Jabbar, the move strengthens Lockton’s MENA presence and delivers tailored insurance solutions backed by global expertise.Lockton expands into Saudi Arabia, launching direct operations in Riyadh with a team of 20 specialists. Led by CEO Mohammad Al Abdul Jabbar, the move strengthens Lockton’s MENA presence and delivers tailored insurance solutions backed by global expertise.

    Protecting Tomorrow, Today: Rethinking Renewal Strategies for Sustainable Benefits

    Renewing your company’s medical insurance isn’t just an administrative task, it’s a strategic opportunity to realign your benefits programme with workforce needs, market trends and financial goals. A proactive approach ensures your plan remains competitive, sustainable and valued by employees.Renewing your company’s medical insurance isn’t just an administrative task, it’s a strategic opportunity to realign your benefits programme with workforce needs, market trends and financial goals. A proactive approach ensures your plan remains competitive, sustainable and valued by employees.

    Market Squeeze: How Rising Demand is Driving Higher Political Violence Costs and Tighter Capacity

    In today’s evolving political violence (PV) insurance market, a mix of global and regional pressures are tightening reinsurance capacity and pushing up premiums. Whilst new entrants are adding fresh capacity this must be weighed against the need for sustainable prices in the face of growing risks. Global events such as regional conflicts, along with political unrest and targeted infrastructure hits, are generating losses for reinsurers in active zones – and this has a knock-on effect on terms and access for GCC-based clients. In today’s evolving political violence (PV) insurance market, a mix of global and regional pressures are tightening reinsurance capacity and pushing up premiums. Whilst new entrants are adding fresh capacity this must be weighed against the need for sustainable prices in the face of growing risks. Global events such as regional conflicts, along with political unrest and targeted infrastructure hits, are generating losses for reinsurers in active zones – and this has a knock-on effect on terms and access for GCC-based clients.
    See all news and insights

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    Our People solutions team bring creative thinking and an entrepreneurial spirit to the insurance business and are uniquely positioned to help you succeed.

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    Lockton People Solutions FAQs

    What is Lockton People Solutions?

    Lockton believes every business maximizes their potential when their people maximize theirs. That’s why we help our clients make their business, and their people’s lives, better. We know employers need solutions that help balance attracting and retaining talent, manage costs and promote employee well-being. Lockton helps guide clients to people solutions that drive employee understanding, engagement and satisfaction; incorporate competitive total rewards and benefits packages; and manage and measure the effectiveness of your programs.

    We work with every client thinking about how we can best improve your employee experiences to drive engagement, understanding, satisfaction and productivity; design total rewards and benefits that increase perceived value and help attract and retain talent, while controlling costs; and help you make information-based decisions, measure and manage your programs, while driving a competitive business advantage amid an increasingly complex landscape.

    Lockton delivers a full suite of solutions in the following areas: employee experiences and engagement, total rewards and benefits, and management and measurement.

    Lockton is privately owned, which allows teams to prioritize client business. Our Associates are empowered to go above and beyond to help their clients succeed and the entrepreneurial culture at Lockton fosters data-driven solutions, solving problems faster and more efficiently.

    Lockton operates all over the globe through Lockton offices and a network of Lockton Global Partners.

    We can help with all M&A transactions from SME to large corporate.

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