ACTOMATE
ACTUARIAL APPRAISAL VALUATION PRACTICE
Our solution is designed to help insurers and investors understand the true economic value of an insurance business, so you can make confident decisions in acquisitions, divestments, capital injections, restructurings, or shareholder negotiations.
We provide experienced actuarial resources to perform robust appraisal valuations, including data validation, assumption review, projection of future profits, and sensitivity analysis. Beyond the numbers, we help clients interpret key value drivers, understand downside and upside scenarios, and communicate results clearly to boards, shareholders, and counterparties.
Our approach combines technical rigor and transaction insight. We deliver a structured, transparent valuation framework that not only quantifies value, but also strengthens your negotiation position, reduces “soft risks” such as misaligned expectations or weak messaging, and supports better, faster strategic decisions.
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appraisal valuation
perform actuarial appraisal valuation
calculate value of in-force business (VIF)
calculate cost of capital
calculate present value of future profits (PVFP)
measure economic value of insurance portfolios
perform sensitivity testing
prepare appraisal valuation report for management and shareholders
compare value under different scenarios and stress tests
actuarial projection & financial modelling
project future profits and cash flows of in-force business
review and validate valuation models
set or review key actuarial assumptions
set or review economic assumptions
develop long-term financial projections
develop scenarios
align assumptions with business plan and current experience
analyse capital requirements
calculate return to shareholders
transaction support & strategic advisory
provide actuarial due diligence support for M&A transactions
support buy-side or sell-side appraisal analysis
identify key value drivers and valuation risks
highlight negotiation levers and opportunity areas
support communication with shareholders and board
support discussions with potential buyers or investors
prepare executive summaries and negotiation materials
provide independent actuarial opinion
advise on strategic options to reach specific objective
PRACTICE LEADER
Nadia Suharto
ASA
Country Lead, Indonesia
Nadia is an Associate Actuary and she is the Country Lead for Indonesia. Nadia has over 4 years of experience in product development, product pricing and financial projections in life insurance, family takaful (Syariah life insurance), medical insurance, life reinsurance, health reinsurance, group employee benefits as well as for insurtech startups.
Nadia has led pricing projects in Malaysia, Indonesia, Cambodia and Myanmar, for multinational and local insurers. She is familiar with local regulatory requirements and internal requirements of large multinational insurers, including IFRS 17, market consistent embedded value (MCEV), traditional embedded value, Risk-based Capital (RBC) and many others. Nadia is proficient in Excel, Visual Basic for Applications (VBA), Prophet, Data Conversion System (DCS) as well as R. Outside of product pricing, Nadia also has experience in actuarial modelling and actuarial valuation of employee benefit schemes, life insurance and general insurance.
Nadia is also proficient in robotic process automation (RPA). She has developed an automated life insurance valuation routine using Automation Anywhere, applying the latest technology and innovation.
Nadia graduated from UCSI University in Malaysia with First Class Honours in BSc Actuarial Science. She is an Associate of the Society of Actuaries (US) and studying towards attaining Fellowship of the SOA. She is a fast learner and is always keen to learn new things. Her organizational experiences have developed her strong communication, time management and problem-solving skills.