Insurance Strategies Consulting
/ ISC / Team ISC / Carl M. Harris

Carl M. Harris, FSA, MAAA, FCA

Carl is a Principal in the Des Moines office of Insurance Strategies Consulting, LLC. He has over 33 years of experience in the life insurance of the U.S.A., Canada, South America and the Caribbean and has worked for stock and mutual life insurance companies and as a consultant.

Carl 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 and regulatory valuation.

Carl has the necessary experience and education (basic and continuing), per the Academy of Actuaries Qualification Standards for Prescribed Statements of Actuarial Opinion, to render a public statement of actuarial opinion.

His work and professional experience give him a strong understanding of applicable laws and regulations and the processes used to review and analyze minimum statutory formula reserves and asset adequacy.

He 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.


2012 - ISC Strategies Consulting, Inc. (West Des Moines, IA)

2002 - Insurance Strategies Consulting, LLC (West Des Moines, IA)

CONSULTING ACTUARY AND PRINCIPAL - Co-founded this actuarial consulting firm in 2002 to provide actuarial and business solutions to the insurance industry. Clients include domestic and international insurance companies, regulatory bodies and marketing organizations.

1996 - 2002 Deloitte & Touche LLP (Des Moines, IA)


1990 - 1996 Carl M. Harris & Associates (Des Moines, IA)


1983 - 1990 The Statesman Group, Inc. (Des Moines, IA)


1979 - 1983 Protective Life Insurance Company (Birmingham, AL)


Insurance Strategies Consulting