Aatman Dattani

ASA, MAAA

Associate Actuary

Seattle, WA, US

Aatman Dattani is an actuarial consultant with extensive experience in valuation, financial reporting, cluster modelling, model governance, and mergers and acquisitions.

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Experience

Aatman has assisted with model reviews and consulted with companies in areas of model validation, model governance and industry best practices. He has led annuity model development, including implementation of NAIC regulations such as VM-21. He has advised clients on model efficiency methodologies and trained clients on clustering.

Aatman is an advanced MG-ALFA and Integrate user and has assisted in developing models and providing due diligence for several mergers and acquisitions.

Additionally, Aatman leads a team focused on microinsurance initiatives.

Relevant skills

Model development and governance
Research development and analysis
MG-ALFA, Integrate, MS Office, and R

Publications and Presentations

Aatman is a co-author and coordinator of the quarterly Milliman Variable Annuity Market Update report and a frequent speaker on the annuity market at industry conferences.

Aatman has co-authored articles published in the Future Actuary magazine.

Education

University of Texas at Austin, dual degrees in Mathematics and Economics

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Publications

Read their latest work

Article

Clustering techniques: Innovations and practical implementation

29 October 2025 - by Aatman Dattani, Avi Freedman, Corey Grigg, Jan Thiemen Postema, Karol Maciejewski, Sijbo Holtman

We explore evolving model compression techniques that can help insurers achieve significant computational efficiency gains.

Article

VM-22 readiness: Key areas for consideration

11 July 2025 - by Aatman Dattani, Zi Xiang Low, Yan Fridman, Karthik Yadatore, Zohair Motiwalla

We highlight some key areas for insurers to consider for the upcoming principle-based reserving statutory framework for non-variable annuities under VM-22.

Article

Impact of rising interest rates globally: A blessing or a curse for the solvency position?

09 October 2023 - by Aatman Dattani, Josh Dobiac, Daniel Sharon, Lotte van Delft, David Harris, Stijn Donckers, Ed Morgan, Takanori Hoshino, Joost Broens

With rising rates and high inflation, insurers worldwide need robust frameworks and nimbleness in the once slow moving and stable world of life insurance.

Article

The impact of rising interest rates for life insurers

27 April 2023 - by Alex Bryant, Benjamin Buttin, Aatman Dattani, Josh Dobiac, Ouling Lu, Timothy Paris, Russell Ward

In a highly volatile market, life insurers are presented with both immense opportunity and challenges as they take on inflation and rising interest rates.

Article

What if mortality stops improving?

31 March 2023 - by Craig Reynolds, Aatman Dattani

Introducing a product idea that shares the risks and benefits of changes in mortality rates.

Article

Cluster modeling: A powerful way to reduce cloud costs

10 March 2023 - by Zohair Motiwalla, Aatman Dattani

Cluster modeling can reduce computing costs in a variety of use-cases, but understanding the purpose, context and downstream use of the light model is critical.

Article

Principle-based reserving impact on fixed indexed annuity pricing

14 October 2020 - by Aatman Dattani, Zi Xiang Low, Zohair Motiwalla, Katherine Wang, Karthik Yadatore

This report analyzes, understands, and discusses the impact of the upcoming Principle-Based Reserving on non-variable deferred annuities.

Article

VM-21 – 2020 Survey of Industry Practices: October

07 October 2020 - by Zohair Motiwalla, Zi Xiang Low, Aatman Dattani, David South

In the third quarter of 2020, Milliman refreshed a survey that establishes currently held market practice in the application of “VM-21: Requirements for Principles-Based Reserves for Variable Annuities.”

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Read their latest work

Article

Clustering techniques: Innovations and practical implementation

29 October 2025 - by Aatman Dattani, Avi Freedman, Corey Grigg, Jan Thiemen Postema, Karol Maciejewski, Sijbo Holtman

We explore evolving model compression techniques that can help insurers achieve significant computational efficiency gains.

Article

VM-22 readiness: Key areas for consideration

11 July 2025 - by Aatman Dattani, Zi Xiang Low, Yan Fridman, Karthik Yadatore, Zohair Motiwalla

We highlight some key areas for insurers to consider for the upcoming principle-based reserving statutory framework for non-variable annuities under VM-22.

Article

Impact of rising interest rates globally: A blessing or a curse for the solvency position?

09 October 2023 - by Aatman Dattani, Josh Dobiac, Daniel Sharon, Lotte van Delft, David Harris, Stijn Donckers, Ed Morgan, Takanori Hoshino, Joost Broens

With rising rates and high inflation, insurers worldwide need robust frameworks and nimbleness in the once slow moving and stable world of life insurance.

Article

The impact of rising interest rates for life insurers

27 April 2023 - by Alex Bryant, Benjamin Buttin, Aatman Dattani, Josh Dobiac, Ouling Lu, Timothy Paris, Russell Ward

In a highly volatile market, life insurers are presented with both immense opportunity and challenges as they take on inflation and rising interest rates.

Article

What if mortality stops improving?

31 March 2023 - by Craig Reynolds, Aatman Dattani

Introducing a product idea that shares the risks and benefits of changes in mortality rates.

Article

Cluster modeling: A powerful way to reduce cloud costs

10 March 2023 - by Zohair Motiwalla, Aatman Dattani

Cluster modeling can reduce computing costs in a variety of use-cases, but understanding the purpose, context and downstream use of the light model is critical.

Article

Principle-based reserving impact on fixed indexed annuity pricing

14 October 2020 - by Aatman Dattani, Zi Xiang Low, Zohair Motiwalla, Katherine Wang, Karthik Yadatore

This report analyzes, understands, and discusses the impact of the upcoming Principle-Based Reserving on non-variable deferred annuities.

Article

VM-21 – 2020 Survey of Industry Practices: October

07 October 2020 - by Zohair Motiwalla, Zi Xiang Low, Aatman Dattani, David South

Aatman Dattani

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Experience

Relevant skills

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Read their latest work

Clustering techniques: Innovations and practical implementation

VM-22 readiness: Key areas for consideration

Impact of rising interest rates globally: A blessing or a curse for the solvency position?

The impact of rising interest rates for life insurers

What if mortality stops improving?

Cluster modeling: A powerful way to reduce cloud costs

Principle-based reserving impact on fixed indexed annuity pricing

VM-21 – 2020 Survey of Industry Practices: October

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Aatman Dattani

Experience

Relevant skills

Read their latest work

Clustering techniques: Innovations and practical implementation

VM-22 readiness: Key areas for consideration

Impact of rising interest rates globally: A blessing or a curse for the solvency position?

The impact of rising interest rates for life insurers

What if mortality stops improving?

Cluster modeling: A powerful way to reduce cloud costs

Principle-based reserving impact on fixed indexed annuity pricing

VM-21 – 2020 Survey of Industry Practices: October

CHOOSE A LOCATION AND LANGUAGE