Tracy Maples, ASA, MAAA

Senior Consulting Actuary


  • Associate of the Society of Actuaries
  • Member of the American Acadmey of Actuaries


  • B.S., Business (Mathematics)
    Missouri State University


Health & DisabilityLong Term CareRegulatory


Tracy Maples has been in the actuarial field since 1984, holding several insurance company leadership positions specializing in supplemental health products.  His experience includes the following:

  • Developing multiple nationwide product rollouts for Cancer, Critical Illness, Long Term Care, Medicare Supplement and other supplemental products, on both an agent and a direct-to-consumer product.
  • Designing new insurance product structures and underwriting philosophies including, developing pricing structure and coordinating activities across multiple internal stakeholders and redesigning contracts.  Developed two products rated in the top 10 in the nation by Consumer Reports.
  • Managing insurance company actuarial functions across several internal companies supporting Life, Annuity, Medicare Supplement, Long Term Care, Cancer, and other supplemental products. Responsibilities included valuation, modeling, rate management, and product development
  • Developing strategic planning systems coordinating multi-company, multi-product planning program that was used to produce both 3-year and 5-year strategic and sales plans.
  • Serving as a Reinsurance Marketing Actuary for Medicare supplement, long term care, and disability income blocks of business, growing division premium volume fivefold during tenure.
  • Performing PGAAP analysis on acquired blocks of business and developing new PGAAP valuation standards for purchased blocks.
  • Structured reinsurance programs to realign product lines among purchased and non-purchased companies to facilitate sale of companies.
  • Rehabilitating Medicare Supplement blocks of business, including managing entire block of business to perform at or below 100% actual to expected loss ratio experience compared to pricing assumptions.
  • Performing various insurance company government relations duties with the National Association Insurance Companies and America’s Health Insurance Plans.
  • Cash flow testing and loss recognition responsibilities including several reinsurance treaties with both captive subsidiaries and outside reinsurance relationships.