John Balbach, Jr
FSA, MAAA
Actuary
Indianapolis, IN, US
John Balbach is a consultant in the Indianapolis office of Milliman. He joined the firm in 2023.
Experience
John consults on life insurance and annuity products. He has extensive experience across indexed, fixed, registered index-linked, and variable annuity product lines. He has worked with these products in the contexts of pricing and product development, product management, cash flow testing, valuation, asset-liability, and liquidity management. He has also been involved with Variable Universal Life with a focus on COLI and BOLI, indexed universal life, and traditional life products. John’s life insurance and annuity product experience includes:
- Pricing and product development across the full range of annuity products
- Managing the Asset-Liability Management function for a major insurer
- Collaborating with the investment group on portfolio positioning, capital optimization, and liquidity management
- Managing the reinsurance function across life and annuity products for a major insurer
Publications and Presentations
- “RILA Non-Forfeiture Requirements.” November 2023.
- Product Matters! Society of Actuaries Product Development Section Newsletter.
- “Annuity Product and Pricing Trends.” 2024 Actuaries’ Club of the Southwest Annual Meeting.
- “Managing Annuities in a Rising Interest Rate Environment.” 2023 Life Meeting, Society of Actuaries.
- “What's New with Universal Life? A Market Update.” 2023 ImpACT Conference, Society of Actuaries.
- “Impact of Regulation and Interest Rates on Fixed Annuities.” 2023 TriState Actuarial Club Meeting.
Professional Designations
- Fellow, Society of Actuaries
- Member, American Academy of Actuaries
Education
- BS, Economics, University of Kentucky
- BA, Mathematics, University of Kentucky
Publications
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