The INS Companies Want You to Join Our Team!
Inquiries should be sent to:

Madison Fellows
Operations Project Manager
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Frank Edwards
Vice President and Chief Life/Health Actuary
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Health Actuary

INS is seeking a Health Actuary to join our Health and Life Actuarial Team.

Job Description

The Health Actuary will be responsible for leading and assisting with actuarial rate reviews and financial examination projects for a variety of health products, such as: accident and sickness, long-term care, disability, major medical (ACA and non-ACA compliant), dental, vision, stop loss, and Medicare Supplement. This is a fully remote position that offers reasonable working hours flexibility and an attractive work-life balance. Both full-time and part-time opportunities will be considered.


  • Review and analyze actuarial rate filings to determine compliance with applicable state and/or federal regulations and ensure that the proposed rates are reasonable in relation to the benefits provided, not excessive, not inadequate, and not unfairly discriminatory.
  • Create requests for additional information when further clarification on rate filing submissions is needed.
  • Negotiate rate adjustments with carriers as indicated by actuarial analysis or as requested by regulatory partners.
  • Submit rate review summaries and recommendations to regulatory partners.
  • Provide training and education seminars to regulators.
  • Assist in drafting, reviewing, and quantifying the cost impact of insurance-related legislation.
  • Collaborate with regulatory partners on all other regulatory needs.

Candidate Requirements

  • Bachelor’s degree or higher
  • Associate or Fellow of the Society of Actuaries (ASA/FSA)
  • Member of the American Academy of Actuaries (MAAA)
  • Compliant with membership requirements of the Society of Actuaries and American Academy of Actuaries
  • Proficient in Microsoft Excel and Word and other software/programming skills
  • At least 3 years of health actuarial experience, preferably more; strong preference for actuarial pricing and rate filing experience, including experience with the Patient Protection and Affordable Care Act and Long Term Care Insurance
  • Strong written and verbal communication
  • Strong organizational, presentation, and interpersonal skills

About the INS Companies  

INS Consultants, Inc. (INS) and its related companies, INS Regulatory Insurance Services, Inc. and INS Services, Inc., (collectively The INS Companies) are a regulatory consulting group consisting of a large, highly qualified, and mobile national network of regulatory professionals who have been exclusively assisting insurance regulators throughout the United States and its territories since our founding in 1987. INS is one of the largest providers of regulator-only actuarial support services and is the first of its kind. INS is well known, well established, and well respected within the insurance regulatory community. INS primarily provides actuarial support on rate and form filing reviews, risk-focused examinations, and rehabilitation/liquidation services to regulatory agencies.

Mission Statement 

The INS Companies’ mission has always been to provide superior professionals to produce the highest quality deliverables in all areas of insurance regulation for our regulatory clients.


Our core values center on the highest standards of excellence and integrity. Simply put “we do the right thing” by our clients and internal teams. We believe that our ability to service clients is a privilege and we understand that this requires a continual, uncompromising commitment to service, quality, collaboration, and will win. These values guide how we work together as a team and with our clients. Most importantly, our values help us establish meaningful relationships with our clients that build trust while solving critical client issues.

How to Apply

Qualified applicants should email a resume and cover letter to This email address is being protected from spambots. You need JavaScript enabled to view it. with the subject: “Full Name Health Actuary Application”.

Jennifer Thelen, Life/Health Actuary
I have been at INS for a few years as a Life/Health actuary and could not ask for a better place to work. My responsibilities include but are not limited to evaluating the reasonableness of proposed premium rates, performing actuarial services for financial examinations, providing insurance department training, analyzing the impact of legislation, and assisting in any other special projects requested by our regulatory clients. Since joining INS, I have expanded my industry knowledge and gained a better understanding of the unique and rapidly changing challenges our regulatory partners face. Each project encourages me to continue learning and apply my actuarial skillset in creative ways to solve critical issues. Each project also gives me satisfaction as it helps ensure policyholders are adequately protected. The INS leadership team emphasizes high standards of excellence and integrity, empowers employees to continue professional advancement, promotes a creative work environment, and values its employees through competitive benefits and a strong work-life balance. I am proud to work for a company with strong core values.

Peggy Hermann, Life/Health Actuary
I joined the Life and Health Actuarial practice at INS in 2017. Since then, my primary responsibilities have been leading the actuarial involvement in financial examinations of life and health companies for numerous state insurance departments. I’ve found INS to be a place that values its employees’ professional and personal growth and encourages a level of work-life balance that is often not found at a consulting firm. I’ve been given the freedom to manage my projects as I feel as appropriate, but management and my co-workers are always available to provide support and advice when needed. The Life and Health actuaries meet online at least monthly and gather in person several times a year for professional development and social activities which helps maintain connections, as the office is fully remote. My move to INS over 6 years ago has had a positive impact on my career and personal life. I’ve had the opportunity to provide value to the financial examination teams and gain experience with different types of insurance products and projects. Even after 30 years in the insurance industry, I’m still growing as an actuary at INS.

Joseph Brennan, Life/Health Actuary
I am currently a Life/Health actuary at INS Consultants, Inc. (INS) and have worked at INS for over ten years. I enjoy working at the Company, primarily because of the importance of the work we do, the quality of our staff, and the flexibility provided by a full-time remote environment. We have a dedicated team of professionals, who support the critically important work of our regulatory partners at each insurance department, which INS serves. Although INS is a totally remote Company, we are in constant communication with our colleagues, as well as with our regulatory partners. This contributes to our open environment, where everyone contributes, and at the same time, everyone learns, and everyone grows. I have been employed as a Chief Actuary, Vice President, Managing Actuary, etc. at a number of top companies in the insurance industry, but I can safely state that INS ranks among the best companies where I have ever worked.