Charlie Howell

FIA, CERA

Consultant

London, UK

Charlie Howell is a consulting actuary based in Milliman's London Life and Financial Services Practice. Charlie joined Milliman in 2016.

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Experience

Charlie has worked on a wide variety of actuarial projects covering areas, including internal model capital modelling, Solvency II, system migrations, and various research assignments.

Professional Designations

Fellow of the Institute and Faculty of Actuaries
Chartered Enterprise Risk Analyst

Education

BA Economics, University of Cambridge

Publications

Read their latest work

Article

Climate forecast: Looking beyond net-zero mortality predictions

27 February 2025 - by Adél Drew, Alan McDonagh, Arushi Mittal, Charlie Howell, Claire Booth, Gaël Neuhaus, Nick Spencer, Tatiana Egoshina

Our prototype climate mortality model explores on a high level the interactions of various climate and socio-economic factors on excess mortality.

Article

The 2025 sustainability agenda for UK life and health insurers

06 February 2025 - by Nick Spencer, Adél Drew, Amy Nicholson, Charlie Howell

We review 10 items on the sustainability agenda for UK life and health insurers in 2025.

Article

Beware “net-zero” mortality and morbidity!

21 January 2025 - by Nick Spencer, Charlie Howell

Insurers need to consider the range of potential climate impacts on mortality and morbidity liabilities, and avoid thinking they’ll amount to a net-zero outcome.

Article

Greenwashing and climate transition plans

17 January 2025 - by Nick Spencer, Charlie Howell

Our recent Sustainability Financial Services Forum found that published climate scenarios often fail to capture the full spectrum of complexities.

Article

Retirement income in a Defined Contribution pensions world

27 October 2023 - by Neil Dissanayake, Charlie Howell, Russell Ward

In today’s world of defined contribution retirement plans, we explore the use of some key tools that can significantly help retirees balance the level, sustainability and stability of their income.

Article

Artificial intelligence governance principles: A summary of the report by EIOPA’s consultative expert group on digital ethics in insurance

30 July 2021 - by Charlie Howell, Kapil Relwani

We summarize recent guidance, which covers how insurers can harness the benefits of AI, address the risks it generates, and promote trust in its use.

Article

Artificial Intelligence: The ethical use of AI in the life insurance sector

24 November 2020 - by David Burston, Charlie Howell, Andrew Gilchrist, Philip Simpson

Life insurance has a data-fuelled business model that makes it an industry that appears, on the surface, to be well primed for the technological advances that artificial intelligence can offer in addressing the challenges it faces in an increasingly digital world.

Article

ESG Rebase

26 July 2019 - by Charlie Howell, Michael Leitschkis, Russell Ward

This paper introduces ESG Rebase, a technology capable of accurately translating a baseline risk-neutral Economic Scenario Generator file representing an entirely different set of market conditions, such as nominal yield curve, equity volatility vector or fixed interest volatility surface.

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Read their latest work

Article

Climate forecast: Looking beyond net-zero mortality predictions

27 February 2025 - by Adél Drew, Alan McDonagh, Arushi Mittal, Charlie Howell, Claire Booth, Gaël Neuhaus, Nick Spencer, Tatiana Egoshina

Our prototype climate mortality model explores on a high level the interactions of various climate and socio-economic factors on excess mortality.

Article

The 2025 sustainability agenda for UK life and health insurers

06 February 2025 - by Nick Spencer, Adél Drew, Amy Nicholson, Charlie Howell

We review 10 items on the sustainability agenda for UK life and health insurers in 2025.

Article

Beware “net-zero” mortality and morbidity!

21 January 2025 - by Nick Spencer, Charlie Howell

Insurers need to consider the range of potential climate impacts on mortality and morbidity liabilities, and avoid thinking they’ll amount to a net-zero outcome.

Article

Greenwashing and climate transition plans

17 January 2025 - by Nick Spencer, Charlie Howell

Our recent Sustainability Financial Services Forum found that published climate scenarios often fail to capture the full spectrum of complexities.

Article

Retirement income in a Defined Contribution pensions world

27 October 2023 - by Neil Dissanayake, Charlie Howell, Russell Ward

In today’s world of defined contribution retirement plans, we explore the use of some key tools that can significantly help retirees balance the level, sustainability and stability of their income.

Article

Artificial intelligence governance principles: A summary of the report by EIOPA’s consultative expert group on digital ethics in insurance

30 July 2021 - by Charlie Howell, Kapil Relwani

We summarize recent guidance, which covers how insurers can harness the benefits of AI, address the risks it generates, and promote trust in its use.

Article

Artificial Intelligence: The ethical use of AI in the life insurance sector

24 November 2020 - by David Burston, Charlie Howell, Andrew Gilchrist, Philip Simpson

Article

ESG Rebase

26 July 2019 - by Charlie Howell, Michael Leitschkis, Russell Ward

Charlie Howell

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Experience

Read their latest work

Climate forecast: Looking beyond net-zero mortality predictions

The 2025 sustainability agenda for UK life and health insurers

Beware “net-zero” mortality and morbidity!

Greenwashing and climate transition plans

Retirement income in a Defined Contribution pensions world

Artificial intelligence governance principles: A summary of the report by EIOPA’s consultative expert group on digital ethics in insurance

Artificial Intelligence: The ethical use of AI in the life insurance sector

ESG Rebase

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Charlie Howell

Read their latest work

Climate forecast: Looking beyond net-zero mortality predictions

The 2025 sustainability agenda for UK life and health insurers

Beware “net-zero” mortality and morbidity!

Greenwashing and climate transition plans

Retirement income in a Defined Contribution pensions world

Artificial intelligence governance principles: A summary of the report by EIOPA’s consultative expert group on digital ethics in insurance

Artificial Intelligence: The ethical use of AI in the life insurance sector

ESG Rebase

CHOOSE A LOCATION AND LANGUAGE