Actuarial Litigation Consulting

Actuarial Litigation Consulting

Kevin M. Reopel, FSA, MAAA

35 Rugby Road Feeding Hills, MA 01030

About the Expert

With over 35 years of experience, Kevin Reopel has broad expertise both in the life insurance business and in assessing the economic value of future cash flows. Through Actuarial Litigation Consulting, this expertise is used to assess economic losses in tort cases for attorneys. Mr. Reopel also has court testifying experience.

Areas of Expertise

  • Actuary - Actuarial
  • Economic Consulting
  • Economic Damages
  • Forensic Economics
  • Insurance - Health / HMO / Disability
  • Insurance - Life & Annuities

Expert's Profile

Economic Loss (Economic Damages)

Actuarial Litigation Consulting provides expert assessment of the economic value of losses in such areas as:

• Personal injury
• Wrongful death
• Wrongful termination
• Marital asset allocation (divorce)
• Structured settlement
• Trust valuation

“An impartial, credible assessment involves asking the right questions and knowing what to do with the answers.”

Professional services—as consultant or expert witness—are provided in both state and federal trial settings. These services include:

• Preliminary review and evaluation of economic loss
• Consultation on pre-trial discovery
• Detailed assessment of economic loss
• Preparation and delivery of reports and affidavits
• Expert witness testimony at deposition and arbitration, mediation, or trial
• Thorough critical analysis of opposing expert reports
• Preparation of counsel for cross-examination of opposition

In addition to having the ability to professionally evaluate the losses, this expert also can explain his findings to a trier of fact in simple, easy-to-understand terms—a skill learned from years of working with talented life agents and other sales professionals.

Current Life and Disability Insurance Policies and Annuity Contracts

Actuarial Litigation Consulting also provides expert analysis of the features and benefits of in-force life and disability insurance policies and annuity contracts for individual clients, either directly or through their attorney. These features and benefits could include:

• Premium payment options
• Minimum and maximum premium limits
• Life insurance benefit levels, limits, and options
• Disability benefits and provisions
• Dividend options and dividend theory
• Policy change rights and options
• Policy withdrawal and surrender options
• Policy termination and reinstatement provisions
• Policy loan privileges and restrictions
• Interest rates for account values and policy loans
• Premium and account-value allocation among investment funds
• Conformity with state insurance department requirements

Frequently Asked Questions

What is an Actuary?

An actuary is a business professional who analyzes the financial effects of risk. The actuary’s work requires a combination of strong analytical and problem-solving skills, business knowledge, and an understanding of human behavior to design and manage programs that involve financial risk.

Actuaries are trained and experienced at determining the premium rates for insurance plans, the funding levels for pension plans, and the reserve amounts for insurance companies to hold on their books. These amounts can range in the millions, or even billions, of dollars. This also requires choosing the appropriate interest, tax, and expense assumptions to use in these determinations.

The Fellow of the Society of Actuaries (FSA) designation recognizes an individual that has demonstrated a high level of knowledge about the business environments in which financial decisions concerning pensions, life insurance, health insurance, and investments are made, using the application of mathematical, probability, and financial skills to assess the current economic value of future monetary events that are uncertain in terms of amount and timing.

The American Academy of Actuaries serves the U.S. public on behalf of the actuarial profession. Comprising actuaries from all practice areas, the Academy is the voice of the profession on public policy and professionalism issues. To become a Member of the American Academy of Actuaries (MAAA), a prospective actuary must pass a series of exams given by the Society of Actuaries (SOA), the Casualty Actuarial Society (CAS), or the American Society of Pension Professionals and Actuaries (ASPPA). The exam process usually takes several years.

How are actuaries qualified to assess economic losses?

Economic losses in tort cases could be assessed by experts from other fields of practice, such as economics and accounting. But only actuaries are formally trained and experienced—and required to meet specific professional standards of practice—in the skills needed to determine the impact of interest, survivorship, and other factors in assessing the economic value of future monetary events.

An actuary providing expert testimony performs an important service to the attorneys, the litigants, the court, and the public by clearly explaining the complex technical issues that must be considered in the resolution of many disputes.

For economic loss cases, does it matter what state my case is in?

Not usually. While applicable laws can vary from state to state and with federal cases, the assessment process is essentially the same in most cases. Most of the expert's work does not require face-to-face meetings with attorneys. So geographical location becomes an issue only when traveling long distances to provide depositions or testimony; this does not occur frequently.

Personal Achievements


  • Fellow of the Society of Actuaries
  • Member of the American Academy of Actuaries
  • Member of the National Association of Forensic Economics


  • “Calculating Economic Damages: In Plain English” (with David G. Pitts), Tennessee Bar Journal, April 2012, Vol. 48, No. 4
  • “Many values of ‘DB’ pension income in loss cases,” Mass. Lawyers Weekly, Dec. 31, 2012, Vol. 41, Issue No. 20
  • “Health Care in America: A New Way Forward,” The Actuary (a bimonthly magazine published by the Society of Actuaries), April/May 2013 issue, Vol. 10, Issue 2

Listed in the Following States

Actuarial Litigation Consulting is listed with ExpertPages in the following jurisdictions: All US Regions and States, Canada (all Provinces).