About TT Actuarial

John Have


John has been provided actuarial management to TT Actuarial Inc. actuarial software development, fair market valuation of life insurance policies and other Post Employment Pension Benefit valuations since 2013.

John started Have Associates in 1983 as a small actuarial firm providing independent actuarial consulting across North America. John is independent of all insurance companies, brokers and benefits advisors. Services include setting of employee benefit premium rates and product development, claim liability evaluations, insurer mergers / acquisitions, advice in setting rating/ experience adjustment models for provincial WCB programs, WCB valuations plus actuarial research for both the Canadian and US actuarial profession.

Other areas of expertise include (a) investments, (b) individual annuities and GICs rates and valuations, (c) individual health insurance, (d) valuation of individual in-force life insurance policies, (e) valuing post-employment health and dental benefits and (f) modelling public healthcare plans and costs. John has provided expert legal opinions on the actuarial values attached to the various product designs, contract wordings and exclusions.

Prior to starting Have Associates, John worked for 2 Canadian insurers starting in 1970. As group actuary he was responsible for the development of employee benefit rates and products at Dominion Life for both Canada and US. From 1979 to 1983, he was VP, Group Operations at Constellation – providing full employee benefits with a significant emphasis on disability products in Canada.

John received Bachelors of Math from the University of Waterloo in Ontario in 1970. He became a Fellow of the Society of Actuaries in 1976 and a Fellow of the Canadian Institute of Actuaries in 1976.John is a frequent speaker at actuarial meetings and participates in many professional activities of the Canadian Institute of Actuaries, the Society of Actuaries and the International Actuarial Association. He received the Canadian Institute of Actuaries’ Gold Award for Volunteer Service in recognition of his contribution to the actuarial profession in Canada. And he recently completed 2 actuarial research projects related to public health insurance costs and trends (1) projecting hospital costs in New Brunswick over next 10 years and (2) comparing Canada with 19 other OECD countries. Mr. Have also completed the first ever Canadian LTD experience study in 1998 and has just now completed the first ever Canadian post-employment benefits experience study for the Canadian Institute of Actuaries.