Towers Perrin is a global professional services firm that helps organizations improve their performance through effective people, risk and financial management. Through its Tillinghast business, Towers Perrin provides consulting and software solutions to insurance and financial services companies and advises other organizations on risk financing and self-insurance. Tillinghast helps clients improve business performance in areas related to their financial, risk, product, distribution and capital issues. The firm’s other businesses are HR Services, which provides human resource consulting, and Reinsurance, which provides reinsurance intermediary services. Together, these businesses have offices in 24 countries. More information about Tillinghast is available at www.towersperrin.com/tillinghast .

With a unique combination of actuarial and business expertise, Milliman consultants go beyond the numbers to the implications, beyond the reports to the applications. We draw from our enormous knowledge and experience base to bring depth, clarity and context to the issues you’re facing. In short, we deliver insight. Insight to your business, your markets, your challenges—and the answers that will help you succeed.