Reserving is the foundation of any general insurer's balance sheet. Getting it right requires both technical rigour and commercial judgement — understanding not just which methods to apply, but why and what the sensitivities mean for the business.
We conduct quarterly and annual reserve reviews, produce actuarial best estimate and range of reasonable estimates and support sign-off processes for boards, audit committees and regulators.
- →Best estimate reserves by class of business
- →Range of reasonable estimates (high / central / low)
- →Reserve movement analysis vs prior period
- →Development triangle data and LDF selections
- →Actuarial opinion letter / certificate
- →Board / audit committee presentation
Profitable underwriting starts with accurate technical pricing. We build and review rating models across all major non-life lines — ensuring rates reflect the true cost of risk and that the portfolio is achieving the returns it targets.
Our pricing work goes beyond building models — we monitor rate adequacy on an ongoing basis, tracking technical vs plan loss ratios by line so management has early sight of where performance is drifting.
- →Technical pricing model by class of business
- →Rate adequacy monitoring framework
- →Technical vs plan loss ratio reports by line
- →GLM frequency / severity model build
- →Experience and exposure rating analyses
- →Quarterly / annual pricing review report
Capital adequacy sits at the heart of insurance regulation. We help insurers understand, calculate and manage their capital requirements — whether under a standard formula approach, an internal model, or a local regulatory capital framework.
Our capital work covers the full risk decomposition across underwriting, market, counterparty and operational risk, with diversification benefit applied where permitted. We provide coverage ratio monitoring, stress and scenario testing and own funds assessment — giving management and the board a clear, current picture of solvency headroom at all times.
Beyond the numbers, we help embed capital thinking into day-to-day management — with early warning triggers, recovery plan support and Board-ready reporting that translates technical solvency metrics into clear governance language.
- →SCR and MCR calculation (Standard Formula / IM)
- →Own funds (Tier 1/2/3) assessment
- →Coverage ratio trend reporting
- →Stress and scenario testing
- →ORSA narrative and quantitative support
- →QRT completion and regulatory submission
Launching a new insurance product — or reviewing an existing one — demands rigorous actuarial input at every stage. We work with insurers from initial feasibility through tariff design, regulatory filing and post-launch profitability tracking.
We also support reinsurance decisions — helping you structure the right programme, assess treaty vs facultative options and quantify the capital and earnings impact of different reinsurance arrangements.
- →Actuarial feasibility report with projected loss ratios
- →Pricing model and tariff schedule
- →Regulatory filing support (IRDAI / Lloyd's / others)
- →Post-launch experience monitoring framework
- →Reinsurance structure recommendation & costing
- →Quota share / XL programme design
Actuarial output is only as useful as the ability to interrogate it. We build interactive analytical tools — Power BI-style dashboards and automated reporting frameworks — that put the numbers directly in the hands of management, underwriters and boards.
Beyond dashboards, we design GLM models, automated reserving systems and data pipelines that reduce manual effort and improve the quality, timeliness and auditability of actuarial output.
- →Interactive SCR / MCR capital dashboard
- →Pricing loss ratio analysis dashboard
- →GLM rating model with factor outputs
- →Automated triangle / IBNR model
- →Data quality framework and audit trail
- →Board-ready reporting templates
Our sample dashboards — capital requirements and pricing analysis — are fully interactive. Explore them on the Analytics page.
View Dashboards →IFRS 17 fundamentally changes how insurance contracts are measured and reported. We provide the actuarial expertise to navigate both the measurement complexity and the operational challenges — from choosing the right measurement model to producing auditable, compliant output each quarter.
For most general insurers the Premium Allocation Approach (PAA) simplifies measurement, but the transition, CSM tracking and disclosure requirements remain demanding. We help clients achieve compliance without building unnecessary complexity into their processes.
- →IFRS 17 measurement model (PAA / BBA)
- →Fulfilment cash flow projections
- →Risk adjustment estimation & methodology paper
- →CSM roll-forward and profit emergence schedule
- →IFRS 17 disclosure pack and audit support
- →Transition workings and comparative period analysis