Portfolio risk trends and management
Portfolio steering for new business: gross premium, technical result, capital usage and loss against plan by policy segment and by corporate versus personal, the capital mix and new versus renewed business, a line of business view with rate and exposure trends, breach alerts on the plan, and macro trends from news, reports and meeting notes that trigger portfolio actions.
One working session with the people in the seat: which decisions, which systems, what a good week looks like.
The app you see above, running on your own exports instead of the simulated world. Every screen, every decision, your numbers.
Wired to your systems with your permissions, agents proposing, people approving, the ledger recording who did what.
Overview
Portfolio managers steer against a financial plan they see once a quarter, while rates, exposure and the outside world move every day. A trend in used-car prices or a hail season changes the answer and reaches the pricing committee late.
The app shows every segment's premium, technical result, capital and loss against plan at portfolio and policy level, with the capital mix and new versus renewed business. Breach alerts open the line of business with its rate and exposure trend against capital allocation. Macro trends from news, industry reports and internal notes are enriched into the ontology with the action they imply, and triggering one sends it to the pricing committee with the source.
Key features
- Granular portfolio management: performance at every level of the portfolio against capital allocation, risk and policy volume.
- Macro portfolio management: external public data such as news, industry reports and meeting notes contextualise macro events.
- Breach alerts: capital, loss ratio and premium breaches against the plan by line of business.
- Portfolio actions: trends turned into actions for the pricing committee.
Decisions it produces
- Open a breached line of business
- Trigger a portfolio action from a macro trend
- Adjust a rate increase for a segment
- Review new versus renewed business by capital usage
Data sources
| Policy administration | policies, premium, segments, new vs renewed |
|---|---|
| Reserving | technical result, loss, capital usage |
| Financial plan | targets by segment |
| External data | news, reports, meeting notes |
Simulated data throughout. Book a call to see it on your own systems.
Related demos
Property insurance underwriting
An underwriting assistant for property submissions: broker emails and attachments extracted into a property record with every field sourced to the document, underwriting standards checked with external data and flagged, an AI scorecard against a chosen set of criteria with the PDF beside it, questions asked of the document, and a suggested response to the broker.
Claims coverage engine
A coverage engine for private liability claims: claims selected for checks, the checks running against coverage conditions written in natural language, results per condition with the reasoning and the identified customer, and the conditions themselves added, modified and tested on a claim, with the guardrail that no payout is refused without a human confirming.
Real-time customer intelligence
The customer's record, the live call transcribed as it happens, facts and intent extracted from it, a recommended product with its justification, the interaction history and a callback booked, all on the relationship manager's screen during the call.