GOES Phase-In Election
Attention PBR Actuaries
A major regulatory deadline is approaching. By December 31, 2026, companies must decide whether to adopt the 3‑year phase‑in from AAA to GOES scenarios—or move directly to GOES on day one. This decision has real financial implications, and understanding the impact requires thoughtful analysis.
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Electing to phase-in can reduce statutory reserve volatility by amortizing the impact over 3-years but comes with the challenge of additional runtime.
ARC offers deep actuarial and modeling expertise to guide you through every step of this GOES transition:
Phase-In Execution
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Phase-in implementation support
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Tailored analysis to quantify phase‑in vs. immediate adoption
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PBR & Modeling Support
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Integrate and update PBR processes to ingest GOES scenarios
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Reserve impact analysis across DR & SR
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Specialized expertise in UL / IUL / VUL
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Scenario Intelligence
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Comparative AAA vs. GOES insights, including key metrics
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Enhanced scenario analysis to help you make confident, data‑driven decisions
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Contact Us Today
Next Steps
For more information, contact:
