Inflation et tarification assurantielle: quelles stratégies ?

Comment les assureurs peuvent-ils relever les défis associés à une forte inflation ? Dans un contexte d'inflation élevée, les assureurs font face à des augmentations de coûts et doivent fixer des tarifs aujourd'hui en prenant en compte les coûts de demain. En période de forte inflation, l'avenir ressemble moins au passé et les risques d'erreurs de tarification augmentent. Les différents coûts auxquels sont exposés les assureurs subissent l'inflation à différents niveaux, et le comportement des assurés et le marché sont également susceptibles d'évoluer plus rapidement en période de forte inflation. Cet article présente plusieurs stratégies que les assureurs peuvent adopter pour faire face à une inflation élevée, comme l'amélioration des estimations de l'inflation future, l'analyse de scénarios, l'ajustement de l'offre produits, une approche de crédibilité ou la réduction du délai de mise en production. En 2022, la majorité des pays du G7 ont connu des taux d'inflation des prix à la consommation inégalés depuis plusieurs décennies. Au début de l'année 2023, l'inflation est restée élevée par rapport aux tendances observées dans le monde depuis 50 ans. Les assureurs sont non seulement exposés à ces augmentations de coûts, mais ils doivent également fixer aujourd'hui des tarifs en prenant en compte des coûts qui pourraient survenir des mois, des années et, dans certains cas, des décennies plus tard. Dans un tel contexte, lorsqu’une compagnie d'assurance ne prend pas les bonnes décisions de tarification au bon moment, les conséquences peuvent être graves.
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TERMS OF USE OF THE PAPER “ANALYSIS OF AKUR8 PRICING SOLUTION AND METHODOLOGY” (“Terms of Use”)

In the context of Akur8’s and Milliman’s strategic alliance to provide AI-driven pricing solutions to insurers, Akur8 has engaged Milliman to analyse Akur8’s pricing solution and methodology (“Akur8 Tool”). Milliman’s Paper “Analysis of Akur8 pricing solution and methodology” (the “Paper”) provides a general opinion on the relevance of the modelling choices made by the Akur8 Tool in the context of non-life insurance pricing.Milliman is hereafter referred to as “we” and the readers of the Paper as “you”.

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You are not allowed to distribute or disclose all or part of the Paper to any third party whatsoever, without Milliman’s prior written consent, which may be given at their sole discretion.No Use of Milliman nameYou agree not to use and/or refer to Milliman’s name and/or trademarks directly or indirectly in any communication with any third party without Milliman’s prior written consent, which consent shall be required for each use or disclosure and shall be granted only at Milliman’s sole discretion.

RESERVATION
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Any judgement on the elements contained in the Paper should be made only after studying the document in its entirety. Any conclusions drawn from one or more sections taken in isolation may be incorrect.The Paper is intended to be used by persons with certain levels of expertise in the areas covered and for the purposes stated. Any reader of the Paper should have a certain level of expertise in the areas related to this analysis, in order to appreciate the significance of the assumptions made and the impact of those assumptions on the results obtained.We recommend that any reader be assisted in reviewing the Paper by a qualified professional to ensure that our findings and recommendations have been understood.The Paper has been commissioned by and prepared for the exclusive use of Akur8, in accordance with the terms of our engagement letter. We make no commitment to third parties and shall not be liable for any use by a third party of an opinion or more generally for the use by such third party of the results included in the Paper. Milliman does not intend to benefit or create any legal obligation to any third-party recipient of its work. 
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Any right not expressly granted to you in these Terms of Use remains the right of Milliman and Akur8. Using the Paper under the conditions set forth in the section “Restrictions” does not give you ownership of any intellectual property rights in the content you access (including any branding used in the Paper)
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