
Karthik Yadatore
ASA, FSA, MAAA
Principal & Consulting Actuary
Seattle, WA, US
Karthik Yadatore is a principal and consulting actuary in Milliman’s Seattle office. He joined the firm in 2010.
Experience
Karthik has expertise in areas of financial reporting, product pricing, mergers and acquisitions, and expert witness testimony for annuities and life insurance products. He has managed and contributed to several large modeling projects and is proficient in MG-ALFA.
Karthik has published several research papers and articles, presented at Society of Actuaries meetings and other actuarial forums, and he is a member of the American Academy of Actuaries' Annuity Reserve Working Group.
Prior to Milliman, Karthik worked at ING in its Retail Life and Retail Annuity business divisions.
Professional Designations
- Fellow, Society of Actuaries
- Member, American Academy of Actuaries
Education
- MS, Operations Research & Industrial Engineering, University of Texas at Austin
- BE, Industrial Engineering, University of Mysore, India
Publications
Read their latest work
Article
米国VM-22への対応:検討すべき主なポイント
11 July 2025 - by Aatman Dattani, Zi Xiang Low, Yan Fridman, Karthik Yadatore, Zohair Motiwalla
米国VM-22の下で導入される変額以外の年金向け原則主義方式準備金積立(PBR)の法定フレームワークへの対応にあたり、保険会社が検討すべき主なポイントをいくつかご紹介します。
Article
変額年金以外の年金に対するPrinciple Based Reserving(VM-22)に関する最新情報
10 May 2024 - by Yan Fridman, Zi Xiang Low, Zohair Motiwalla, Ricardo Trachtman, Karthik Yadatore
「VM-22」として知られている、NAICが検討中の法定準備金に関する原則主義方式の準備金積立の枠組みの主な要素を見ていきます。
Article
Managed Variable Universal Life:生命保険における柔軟なリスク管理
28 March 2024 - by Rahul Mohan, Patrick OuYang, Jordan Rosenfeld, Andrew Steenman, Karthik Yadatore
フレキシブルかつカスタマイズ可能な、管理された変額ユニバーサル・ライフ商品は、より大きなキャッシュバリューの積立てと死亡保障を契約者に提供します。
Article
Milliman Fixed Indexed Annuity and Multi-Year Guaranteed Annuity lapse experience study
29 February 2024 - by Yan Fridman, Ben Johnson, Ricardo Trachtman, Nathan Wilbanks, Karthik Yadatore
We conducted a survey of 13 Fixed Indexed Annuity (FIA) and Multi-Year Guaranteed Annuity (MYGA) writers on several aspects of dynamic adjustments to base lapse rates due to differences between their current and perceived market or competitor crediting rates.
Article
登録指数連動型年金の上限設定手法
31 January 2023 - by Fiona Ng, Jordan Rosenfeld, Ricardo Trachtman, Karthik Yadatore
RILA上限設定の手法のスイッチングを可能にしている場合に対し、上限設定手法を長年固定している保険会社の長期的影響について調査します。
Article
指数連動型年金の過剰資本
29 August 2022 - by Yan Fridman, Karthik Yadatore
保険会社は、FIAsの過剰資本を減少させると考えられる手法の使用許可を規制当局に求めるかもしれません。
Article
インデックス型年金:米国法定会計
15 July 2022 - by Yan Fridman, Karthik Yadatore
VM-22により、サープラス・ボラティリティの特定の原因を軽減させる可能性がありますが、インデックス型年金のエクスポージャーが大きい保険会社は、財務プロジェクションの見直しをすべきです。
Article
プリンシプルベースの責任準備金評価による指数連動型定額年金プライシングへの影響
14 October 2020 - by Aatman Dattani, Zi Xiang Low, Zohair Motiwalla, Katherine Wang, Karthik Yadatore
本レポートでは、まもなく取り入れられるプリンシプルベースの責任準備金評価による定額繰延年金への影響について分析、理解、解説します。
Article
Registered Indexed Universal Life
13 July 2020 - by Karthik Yadatore, Abby Camp
Registered Indexed Universal Life could be attractive to consumers seeking cash accumulation universal life and Indexed Universal Life products and who have a greater risk appetite and longer investment horizon.
Article
Fixed indexed annuities with Market Risk Benefits
28 January 2020 - by Grace Chang, Li Feng, Bill Matczak, Karthik Yadatore
This paper focuses on the cash flow modeling aspects of Market Risk Benefits on fixed indexed annuities contracts, especially the methodology for projecting indexed account growth.