Medical Life Insurance

Tian Lu Xue

732-***-**** *********@*******.***

Actuarial Exams P/1, FM/2, MFE/3F and C/4; All VEE credits

EDUCATION Rutgers University, New Brunswick, NJ May 2010

Bachelor of Science, Statistics/Mathematics & Economics

Major GPA 3.6 & 3.5 Overall GPA 3.3

HONORS Helen G Hurd Scholarship;

6th place in team of 2007 Garden State Undergraduate Mathematics Competition (GSUMC);

Dean’s List: Summer 2006, Fall 2006, Fall 2007 and Spring 2008;

National SMART (Science, Mathematics And Research for Transformation) Grant 2009

EXPERIENCE Horizon Blue Cross Blue Shield of New Jersey Feb 2013 - Jan 2014

Actuarial Analyst

Used SAS to calculate trend and forecast health claims

Created and maintained saving initiatives models, and monitored savings results

Worked with medical polivy department to implement medical policies and project the impact of

those policies

AXA Equitable Life Insurance Company, Jersey City NJ Aug 2010 – Feb 2013

Financial Analyst

Modeled cash flow of life retrocession treaties and did profit testing under different assumptions

Used Monte-Carlo simulation to price Stop-Loss reinsurance treaty

Worked on GAAP and statuatory reporting for life reinsurance business and health business

Calculated premium rates for major medical and disability income business and did rate filing

Highly involved with ACA(Affordable Care Act) reforms and worked with accounting department

on different government filings such as Medical Loss Ratio filing and Supplement Healthcare

Exhibits

Munich Reinsurance America, Princeton, NJ Jun 2009 – Dec 2009

Actuarial Intern Professional Liability

Assisted actuaries with pricing treaty reinsurance policy (Hospital Professional Liability with

$80MM premium) by using Experience rating and Exposure rating models

Projected ultimate loss ratios for each Professional Liability line of business by using BF and LDF

methods

Conducted statistical analysis of frequency and severity trends by studying industry reports and

doing data mining in Access and Excel

Updated Excess Layer LDFs(Loss Development Factors) for each Professional Liability line of

business by using the Pinto-Gogol method

SKILLS Software: Access, Excel, SPSS, Matlab, SAS, AXIS and R

Programming Languages: SQL and VBA

Languages: Fluent at Mandarin and Basic French

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