Houston Perrett, FSA, CERA

hp@houstonp.com (712) 301-8998 Nashville, TN Houstonwp

Work Experience

AVP & Actuary - Fortitude Re - Experience Studies

Jan 2022 - Current

Assistant Actuary - Principal Financial Group - Pension Risk Transfer

Jun 2019 - Jan 2022

  • Led multiple interns through pricing and automation projects in Python and R.
  • Developed machine learning models using R to analyze pension mortality.
  • Led development of PRT cashflow pricing models in R.
  • Performed code and peer review of PRT machine learning mortality model.
  • Completed valuation model conversions to MG-ALFA to accomodate LDTI compliance.
  • Developed ETL processes to query inforce policies, run valuation models, and analyze results.
  • Co-developed a bond optimization program leading to $50 million in additional revenue.
  • Recommended derivative trades to keep inforce annuity block within interest rate risk tolerances.
  • Led analysis and explanation of quarterly PRT forecasts and insights of future expectations.
  • Represented PRT in monthly business updates to senior management.
  • Recommended case specific mortality adjustments based on mortality analysis.
  • Led oversight of PRT in discussions with internal auditors.
  • Presented and influenced pricing strategies on large PRT cases to senior management.

Actuarial Associate - Principal Financial Group - Principal International

Jun 2017 - Jun 2019

  • Forecasted foreign exchange rates for monthly reporting and assessment of financial impact.
  • Reviewed quarterly actuarial certifications and reserve sufficiency for accuracy.
  • Consolidated and reported monthly financial results.
  • Consulted on potential impact of changes in regulations and guidance related to US GAAP and IFRS.
  • Completed annual compliance testing on US and UK goodwill impairment, deferred income liability, and DAC useful life.
  • Generated deterministic and stress scenarios for economic capital calculations.
  • Reviewed five year projection financial assumptions.

Actuarial Assistant - Principal Financial Group - Individual Life Inforce Management

Feb 2015 - Jun 2017

  • Designed quarterly lapse, mortality, and expense experience studies.
  • Developed ETL processes to pull policy data required by internal and external stakeholders.
  • Modeled policy cash flows to ensure products met illustration regulation testing guidelines.
  • Assessed and calculated values for policies with possible violations of life insurance taxation regulations.
  • Provided individual policy illustration support for administration teams.


University of Nebraska-Lincoln


Bachelor of Science, Mathematics and Actuarial Science


  • Member of University of Nebraska-Lincoln Actuarial Science Advisory Board
  • Chair of Principal Actuarial Development Program – 2019-2020


  • Languages: Python, R, Rust, SAS, SQL
  • Softwares: Excel, MG-ALFA, Power BI