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Nick Carey

Posted: December 2022

Nick began his insurance career in 2014 on the Property & Casualty side of the industry and spent eight years working for a carrier in a pricing role, focusing on Professional and Personal lines. He has extensive experience with composing actuarial support for rate and rule filings countrywide (incl. states like CA, FL, WA, MA), including responding to objections and researching competitor filings for support. He has also helped develop and introduce products (including development of rating plans) and has performed various actuarial analyses over the course of his career.

Nick holds a Bachelor of Science in Mathematics from the University at Buffalo and has the MAAA and ACAS actuarial designations. He, his wife Trish, and daughters Gwendolyn and Nicolette reside just outside of Philadelphia in King of Prussia, PA.

Ramona Lee

Posted: November 2022

Ramona Lee joined Martin & Company with over 26 years regulatory experience. As a regulator in Iowa and Pennsylvania, she testified and presented to the legislature, the industry, and consumers regarding Medical Professional Liability, Workers’ Compensation, and Personal Lines insurance. She determined the security requirements for entities which are self-insured for Workers’ Compensation. She opined on property and casualty reserves, rate filings, new products, changes in the marketplace, and proposed law changes. Ramona is an Associate of the Casualty Actuarial Society, a member of the American Academy of Actuaries, and a Professional Risk Manager with the Professional Risk Managers’ International Association.

Ramona lives in Wallagrass, Maine. She is an avid supporter of animal rescue organizations and has an adopted greyhound and a rescued cat. On weekends she enjoys community activities and outdoor adventures with her family and friends.

Carrie Najarian

Posted: November 2022

Carrie has been in the life and health insurance industry for over 20 years in the Actuarial, Operations, and Marketing divisions of two Fortune 500 companies.  She started her actuarial career at Transamerica in Product and Risk Management where she provided financial analysis, model evaluation, marketing profitability, competitive intelligence, experience reporting, rate filings and rate increase support for life and health product development.  At GE Financial Assurance, she supported Actuarial Financial Reporting and Product Development prior to transitioning to the Marketing department as a Channel Actuary for GEFA Direct.  She provided financial expertise and analysis of key financial services products including annuities, life & health insurance, DBL, and club products to support direct marketing campaigns and negotiations.  Carrie returned to Transamerica to support life and health Pricing and Product Development before becoming a Marketing Director for the Affinity Marketing Group.  She developed the annual budgets, profitability reporting, financial opportunity evaluations, and recommendations to support marketing investment decisions.  She later managed business decision support, financial reporting and analysis for both the Operations and Direct Marketing units.  Carrie has built strong analytical, leadership, and communication skills throughout her career. 

Carrie graduated summa cum laude from the Pennsylvania State University with a B.S. in Mathematics and Actuarial Science.  She resides in Bucks County, Pennsylvania where she enjoys spending time with her family and has been recognized for her community involvement with the local elementary school, travel soccer club, and Boy Scout troop.

Raissa Schickel

Posted: November 2022

Raissa has over 17 years of P&C industry experience and joined Martin & Company in 2012.  Raissa’s pricing experience spans numerous lines of business and products including Homeowners, Property, Personal Auto, Commercial Auto, Inland Marine, General Liability, Package, Crime, Commercial Output Policy (COP), Businessowners (BOP), Professional Liability, Management Liability, Workers Compensation, Excess & Umbrella, Cyber, and Aircraft.

Prior to joining M&C, Raissa worked at Philadelphia Insurance Companies, AAA Mid-Atlantic, and Signature Consulting Solutions.  She’s been involved with all parts of the rate filing process from product development, competitor analysis, and strategic planning with leadership to rate indications and DOI objections.  Raissa also has experience developing unpaid claims estimates.

Raissa holds a Bachelor of Arts degree from the University of Notre Dame and a Master of Science degree (with Academic Distinction) in Actuarial Science from Temple University.  She is one exam away from her ACAS designation.  She lives in Philadelphia and enjoys spending as much outdoor time as possible with her spouse and daughter and their family dog.

Arnie Rippener

Posted: November 2022

Arnie has 30 years of experience in the insurance industry, having worked with Group Health as well as Property & Casualty lines of business. He is an Associate of the Casualty Actuarial Society.

Arnie began his career in pricing roles with Group Accident & Health products, after which he moved to the Property Casualty side of the business where he held Personal Lines pricing roles at CNA Insurance Company, Allstate as well as USAA. Immediately prior to joining Martin & Company, he was involved in reserving for various lines of P&C business, including Cyber & Data Security, General Liability, Excess Workers Compensation, Commercial Umbrella and Travel. Arnie also has experience with other lines of business which includes High Value HO, Personal Auto and various Specialty Lines, Commercial Auto, Commercial Property, Inland Marine Surety, Travel, AD&D, Equine and Workers' Compensation.

Arnie has a Bachelor of Science degree from Northern Illinois University. He currently resides in Valparaiso IN, where he enjoys spending time with friends and family.

Katy Blomgren

Posted: November 2022

Katy has over 17 years of experience in the health insurance industry. Katy began her actuarial career at Wellmark Blue Cross Blue Shield in 2001 where she spent 5 years working on reserves, financial statements, forecasting, and individual and small group rate filings. She then transitioned into Large Group commercial business where she was responsible for managing the day-to-day actuarial accountabilities for the Large Group market including base rates, network and area pricing, stop loss pricing, and ensuring large groups were compliant with state and federal mandates. Katy then moved into the Associate Actuary role where she spent over 10 years consulting with account managers, product development, and senior level executives regarding group specific plan designs, employee contributions, and health and pharmacy product offerings using various models that she created to help these groups understand and mitigate trend within their employee populations. Katy also has experience with Work Comp filings, including Large Deductible, Retro and Dividend plans.

Katy is a 2003 graduate of Drake University in Des Moines, IA with a Bachelor’s degree in Actuarial Science and Accounting.  She earned her ASA designation from the Society of Actuaries in 2012 and is working on her final exam needed to earn her FSA designation.  She currently resides in Cumming, IA where she enjoys spending time with her husband James and their two children.

John Butel

Posted: November 2022

John has over 19 years of experience in the Property & Casualty Insurance industry. He is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. 

Prior to joining Martin & Company, John was a pricing actuary with Nationwide Insurance.  John has extensive experience in all parts of the rate review process, from rate indications and product design through filing approval and implementation. Lines of business and product experience includes Homeowners, Personal Auto, Telematics, Property and Commercial General Liability, Commercial Auto, General and Professional Liability, Equipment Breakdown, Pet Health and Accident.

John has a bachelor’s degree in mechanical engineering from Kansas State University. John is married, with two children. He lives in West Des Moines, Iowa.

Brian Elliott

Posted: November 2022

Brian is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries and has 29 years of experience in the Property & Casualty Industry.

Prior to joining Martin & Company, Brian worked primarily in pricing roles at EMC Insurance Group and Pharmacists Mutual Insurance Group. He has considerable experience in Workers Compensation, including pricing large deductibles, but his background also includes working with many other lines of business including Commercial Property, General Liability, Businessowners, Commercial Auto, Professional Liability, Homeowners and Personal Auto.

Brian has a Bachelor of Science degree in Mathematics from Iowa State University. He resides in Waukee, Iowa.

Thomas Bedford

Posted: November 2022

Tom spent the first five years of his career in the Property and Casualty Insurance Industry in both actuarial and technical analyst roles. During this time, Tom had the opportunity to work across various lines of business including Workers Compensation, Business Owners, and Commercial Auto. Additionally, he had the opportunity to complete actuarial work in both a reserving and pricing role as well as assist senior management as the firm grew through rate filings and training of new actuaries. Since joining Martin & Company, Tom has added Personal Auto, Commercial General Liability, and Commercial Property to his portfolio of work.

Tom currently resides in Forty Fort, Pennsylvania with his wife, Jess and dog, Parker. He holds a Bachelors of Science in Mathematics with minors in Statistics and Finance from Wilkes University. He is currently working towards obtaining an ACAS designation.

Paul Johnson

Posted: November 2022

Paul has over 25 years of experience in the property & casualty insurance industry, where he has performed rate level indications and profitability analyses for personal and commercial product lines, been involved in ratemaking for Homeowners and Commercial Automobile coverages, priced reinsurance agreements, and has provided loss and loss adjustment expense reserve indications for various lines of business.

Prior to joining Martin & Company, Paul was an Actuary with MEMIC, where he produced loss ratio projections by state, provided loss reserve analyses by writing company, and priced large Workers Compensation accounts.

Paul holds a Bachelor of Science Degree in Mathematics from The Pennsylvania State University.  He lives in Morristown, New Jersey.