Insurance Strategies Consulting
/ ISC / Team ISC / Justin Hornberg

Justin Hornburg, FSA, MAAA, FCA

Prior to joining ISC, Justin held the role of Vice-President and Actuary at MetLife and American Benefits Consulting, an Alliant Insurance Services Company. In those roles he was responsible for a wide range of group ancillary product pricing, underwriting and reserving functions. Early in his career at MetLife, he worked in individual life insurance pricing. The following are a few examples of Justin's experience:


  • Priced and help develop a short-term disability and paid family leave product for a fin-tech startup
  • Worked and negotiated with numerous group insurance carriers as head of underwriting/financial team for a brokerage firm
  • Plan change cost analyses for group life, disability, and dental plans
  • Lead actuary on two very large group insurance sales, one for group life insurance for a large North American auto manufacturer, one for group dental insurance for the Federal Employees Dental and Vision Insurance Program
  • Developed a new voluntary permanent (whole) life product
  • Lead pricing actuary for a sale of the voluntary permanent life product to a large southwestern US state


  • Calculated IBNR reserves for group short-term disability and health plans for customers of a brokerage firm
  • Signing actuary for an OPEB valuation of post-retirement life insurance liabilities under FAS 106 for a large North American auto manufacturer


  • Provided group life insurance actuarial reserve opinions for two Vermont-domiciled captives
  • Interfaced with captive insurance companies reinsuring group insurance risks of the customers of a brokerage firm


2022 to Present: ISC Strategies Consulting, Inc. - Consultant

2020 to Present: President and Owner, Justin Hornburg Consulting, Inc.- Product Development, Pricing and Reserving Projects

2010 to 2020: American Benefits Consulting, an Alliant Insurance Services Company First Vice-President and Actuary Leader of Financial/Underwriting Team

2007 to 2010: President and Owner, Justin Hornburg Consulting, Inc. Clients in Insurance, Manufacturing and Consulting

1989 to 2007: MetLife Vice-President and Actuary Various positions in Group National Accounts, Individual Life Pricing and Small Group Medical

September 2000 - February 2001

Professional Designations: Fellow, Society of Actuaries Member, American Academy of Actuaries Fellow, Conference of Consulting Actuaries

Education: BA, Mathematics, New York University

Insurance Strategies Consulting