Tailored Solutions for Dirty Jobs

We help carriers, distributors, and insurtech companies overcome their most complex challenges, innovate, and get results.

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Actuarial Consulting

Administrative Support

Software Development

Marketing Consulting

Welcome to Problem Solving Enterprises

At Problem Solving Enterprises, we tackle dirty jobs… the complex and frustrating challenges that get in the way of innovation. For over 30 years, we’ve partnered with carriers, distributors, and insurtech companies to address their most complex problems. Whether you’re facing resource constraints, skill gaps, or time pressures, we provide tailored solutions that clear the path for your success.

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Our Services

We offer expertise in four core service areas, designed to help you overcome barriers and focus on what matters most:

Actuarial Consulting

Our roots are in actuarial consulting, where we help carriers, distributors, and insurtech companies navigate complex risks, refine product designs, and accelerate speed-to-market. With over 40 years of actuarial experience, our team delivers solutions that empower you to innovate with confidence.

Administrative Services

Efficiency is key to success. We streamline your operations with scalable administrative solutions that reduce costs, optimize workflows, and let your team focus on high-value tasks.

Software Development

From custom tools to fully integrated systems, our software development team designs and implements solutions that meet your unique needs. We don’t just build software; we build capabilities that drive results.

Marketing Consulting

Marketing should never be a bottleneck. Our marketing consulting services help you craft compelling strategies, execute with precision, and connect with your target audience. Whether you need a full strategy or focused support, we’re here to help.

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Why Choose PSE?

We Take on the Dirty Jobs

Our roots are in actuarial consulting, where we help carriers, distributors, and insurtech companies navigate complex risks, refine product designs, and accelerate speed-to-market. With over 40 years of actuarial experience, our team delivers solutions that empower you to innovate with confidence.

We Empower Innovation

Every problem we solve is an opportunity to empower your business. By clearing the path of obstacles, we free you to focus on growth, innovation, and delivering value to your customers.

We Have Decades of Experience

With over 30 years of experience and a deep understanding of the insurance industry, we’re not just a vendor—we’re a trusted partner invested in your success. Our expertise spans actuarial science, operations, technology, and marketing, ensuring we bring the right solution to every challenge.

How We Work

  • Discovery: We start by understanding your unique challenges, goals, and pain points.
  • Solution Design: We craft tailored strategies and solutions that fit your needs.
  • Execution: We work alongside your team to implement and execute, ensuring seamless delivery.
  • Support: We stay with you every step of the way, adapting as needed to achieve the best results.

Projects We’ve Managed

CARRIERS

  • Designed and priced patented term life insurance product with innovative accelerated issue/underwriting provisions.
  • Developed solutions to remediate administrative and regulatory problems with closed blocks of complex life insurance products from the 1980’s-1990’s.
  • Helped a carrier develop a new UL administrative system and convert and test block of over a dozen plans and 100,000 policies in force.
  • Re-designed a more efficient and more accurate process for variable historical performance return reports. Saved carrier over hundreds of thousands of internal administrative costs for 15+ years.
  • Helped several companies with post-issue illustration and illustration actuary requirements.
  • Designed, priced, and filed a full portfolio of life insurance products and required forms for a company that up that point never sold life insurance.
  • Reverse-engineered 3-factor dividend formulae for closed block of participating policies so that company could revise dividend scales.
  • Designed administrative workarounds for 7702/7702A processing, compensation systems, and new product issues.

DISTRIBUTORS

  • Work with a brokerage life insurance organization developing prototype products to bring to carriers.
  • Worked with a major worksite marketing organization to bring innovative/patented worksite products to market.
  • Worked with several large direct marketing organizations to develop and negotiate universal multi-carrier insurance applications to simplify their sales process.
  • Helped administration company develop post-issue sales illustration capabilities for their clients.

INSURTECH

  • Helped several Insurtech distribution start-ups navigate negotiations with insurance carriers.
  • Helped Insurtech underwriting vendor model the financial benefits of their offerings.
  • Helped innovative Insurtech company evaluate unique short term insurance products.
  • Participated in Society of Actuaries mentoring program for Insurtech startups.
  • Helped evaluate business and products for a potential company acquisition.
  • Helped a founder who developed financial modeling for non-insurance online marketing incentives program thru IPO.
  • Managed software development and insurance operations for middle market RIA financial planning firm.

The Team

Chuck-Ritzke
Chuck Ritzke, FSA, MAAA
Founder

Chuck has over 40 years of actuarial experience working in life insurance. His work has focused on product development, marketing, software development, actuarial consulting, and general problem-solving for insurance organizations. Prior to founding Problem Solving Enterprises in 1995, Chuck held various actuarial, marketing, and administration management roles at Zurich Life and Bankers Life and Casualty.

Chuck is a Fellow of the Society of Actuaries and a member of the American Academy of Actuaries and he is actively involved in committee work. Chuck is also currently on the Board of Directors of the Intercompany Marketing Group (ICMG).

Chuck attended Rockford College (B.S. Math), LSU (Math Grad Work), and University of Illinois (M.S. Math).

Doug Robbins, FSA
Consulting Actuary
Heidi Zona, ASA
Consulting Actuary
Barb Ritzke
New Business and Client Relations
Deb Howver
Compliance Analyst
Kim Schuring
Business Administration

The results speak for themselves

“Chuck is one of the most creative and brilliant life insurance product minds in our industry. At Fidelity Life, we’ve worked with Chuck and his team for almost two decades, and he was instrumental in helping us conceive and develop both of our industry leading products. Just as important as the output he delivers, the process of working with Chuck is always such a pleasure. It’s working with friend.”

- Jim Harkensee, Fidelity Life

"Some projects require an actuarial perspective. Some require a financial perspective. All projects require someone with a deep understanding of the strategic goals of the project. A creative problem solver. Someone who can think outside of the box. Someone making sure the project is going to be profitable. Chuck Ritzke checks all of these boxes and more."

- Ron Butkiewicz, Life Co CEO (retired)

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