Actuarial

Tarification

Reserving

Assurance vie

Actuarial

Perspectives

Spreadsheets have long been the go-to tool for actuaries—familiar, flexible, and seemingly sufficient. But as actuarial models grow more complex and demands for accuracy and transparency increase, these once-reliable tools may be introducing more risk than reward.

When a new insurance product hits the market, real-world data begins to trickle in, offering opportunities to refine your strategy and identify areas of improvement. However, without a thoughtful approach, that same data can lead you astray.

Estimating insurance loss reserves is a foundational function for determining an insurer’s financial stability. Yet the process is too often hampered by manual tasks and outdated technology, which hinder progress at nearly every turn.

Turning an idea into a market-ready product takes thoughtful planning, teamwork across different areas, and a smart use of data. This article provides valuable insights to help you stand out in a competitive market.