Job: compute ratios from premium and claims files that already reconcile, and refuse a combined ratio when the year-cut is still a gap.
Real-time profitability analytics that calculates loss ratios, expense ratios, and combined ratios across all dimensions. Identifies profitable and unprofitable segments, underwriters, and accounts with drill-down analysis and automated alerting.
Real-time profitability vs. quarterly lag
Automatic alerts on accounts exceeding 100% loss ratio
Underwriter performance scorecards
Profitability trends and forecasting
Data-driven portfolio optimization decisions
Monthly loss ratio monitoring by segment
Quarterly underwriter performance reviews
Unprofitable account identification and remediation
Portfolio optimization and resource allocation
Job: extract cited assumptions and figures from actuarial PDFs so pricing conversations use the same numbers as the report.
Job: show how traced in-force limits sit against stated appetite, and list policies whose schedules still do not sum.
Job: compare expiring wording and bordereaux year-cuts to the renewal pack, and list fields that changed without a span.