Carl M. Harris

Insurance Strategies Consulting
Hartford, Connecticut 01601


Areas Of Arbitration

Inheritance Disputes
Long Term Disability Insurance


Mr. Harris is the Managing Principal of Insurance Strategies Consulting, LLC and ISC Strategies Consulting, Inc.  He has worked in the life insurance industry since 1979 with experience in the U.S.A., Canada, South America and the Caribbean and has worked for stock and life insurance companies and as a consultant.  Mr. Harris has worked with clients in such areas as litigation support; product development and pricing; mutual reorganizations; demutualization & mutual insurance holding company; reinsurance strategies including financial reinsurance; corporate appraisals, mergers & acquisitions, statutory, GAAP and tax reporting; strategic planning; cash flow testing; financial modeling; financial projections; distribution and compensation systems; not-for-profit; HMO, Medicare and Medicaid pricing; and valuation issues and regulatory valuation.  Mr. Harris has been a frequent speaker at actuarial and other insurance industry meetings and seminars including the Society of Actuaries, Conference of Consulting Actuaries and the Caribbean Actuarial Association.  Mr. Harris has served on the Education and Examination committees of the Society of Actuaries, the NAIC Working Group on Mutual Insurance Holding Companies, the AICPA Task Force on Demutualization and the AAA Task Force on Demutualization


Amedex Insurance Company

American Equity Investment Life Insurance Company

American Republic Insurance Company

AmerUs Life Insurance Company

Bradshaw Law Firm

Capital Reserve Life Insurance Company

Central States Health & Life Insurance Company

CGT (Ltd.) Insurance Company ofBarbados

Columbia Insurance Group

Employers Modern Life Company

Family Benefit Life Insurance Company

HamptonRe (Ltd.),Bermuda

IowaBankers Insurance Services

LaBuenos Aires,Buenos Aires


MassMutual Life Insurance Company

Midwest Security Life Insurance Company

Mutual Savings Life Insurance Company

Mutual Trust Life Insurance Company

National Life ofVermont

New York Life Insurance Company

Wells Fargo Financial, Inc.

Pacific Life Insurance Company

Pharmacists Life Insurance Company

Standard Insurance ofOregon

Stamell and Schager, LLP

Star Insurance Company (Ltd.),Bahamas

State of Colorado Department of Insurance

State of Texas Department of Insurance

State of Iowa Division of Insurance

State of Maine Insurance Department

State of Massachusetts Insurance Department

State of New Hampshire Insurance Department

State of New York Insurance Department

State ofOhioDepartment of Insurance

State ofVermontDepartment of Insurance

Peddicord Law Firm

Principal Life Insurance Company

Ohio National Life Insurance Company

Trustmark Insurance Company

Zurich-Kemper Insurance Companies

XL Life and Annuity Company


Woodmen of the World (CO)


BS,UniversityofFlorida, 1977

Actuarial Program,GeorgiaStateUniversity, 1979


Fellow, Society of Actuaries

Member of theAmericanAcademyof Actuaries

Fellow, Conference of Consulting Actuaries

Member, Society of Actuaries Education and Examination Committee,

            Chairman, Fall ILA 1993-1996

Des MoinesActuaries Club

Southeastern Actuaries Club

4446 Stonebridge Road
Destin, FL 32541

P: 515-273-3530
E: [email protected]
12/6/2017 5:00:02 PM
Description: “What Is This Thing Called Mutual Insurance Holding Company” - IASA Interpreter, April, 1997   “Forthcoming NAIC White Paper Could Spur MHC Formation” – National Underwriter, June 22,