What are 3 words people use to describe you?
Passionate, Thought-Provoking, Trustworthy
What are you most grateful for?
I’m grateful for a lot of the opportunities I’ve been given in life. But perhaps the greatest of these is the unconditional love I received from my mother who raised my brother and myself without a college education in a country that was not her own. Sacrifice comes from a purpose; the stronger your sense of conviction the more you are willing to sacrifice for it. And to be most effective at what you do, this sense of purpose must stem from love. What do you love so much in life that it drives you to sacrifice for it simply so that you can be better at doing it? For my mother, this was simply being our mother. But what this taught me was the power that love can have to make you want to be a better person because of it. And that principle drives everything that I do.
What is the best advice you have ever been given?
“Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma — which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.”
How do you define success?
By the impact I had on the lives of people closest to me. Did I maximize the impact I had on the lives of the people around me or not?
What life lesson did you learn the hard way?
Your heart is the greatest gift most of us have to give to the world. Be careful with the causes and people you choose to invest it in.
Rajiv Rebello is the founding Principal of Colva Insurance Services and Colva Actuarial Services and is responsible for managing all business and development opportunities for Colva. Prior to starting Colva Insurance Services, Rajiv worked in the Risk Finance Department of Chartis helping to manage and evaluate the risks of a $4 billion dollar alternative asset portfolio of life insurance policies with $18 billion in death benefit. While there he developed Chartis’ Reverse Engineering capabilities designed to save policyowners millions of dollars in unnecessary premium payments on life insurance policies while maximizing their expected death benefit proceeds. He also provided valuable analysis that helped shape Chartis’ view of mortality on these policies.
Prior to working at Chartis, he worked in the Pricing and Mortality Departments of New York Life where he helped with the pricing, design, system illustration, and profitability analysis of New York Life’s Universal Life and Variable Universal Life products as well as conducting analysis and review of New York Life’s mortality experience.
Rajiv is a licensed actuary and is a Fellow of the Society of Actuaries (FSA) and a Chartered Enterprise Risk Analyst (CERA). Rajiv holds a B.S. from Stanford University. Prior to beginning his corporate actuarial career, he was a teacher in high-needs schools in New York City. He started Colva as a means to educate policy owners about both the risks and benefits of investing in life insurance and help them get the most value out of their policy.