What good insurance portfolio management makes possible
The opportunity is already in the book. The challenge is identifying it, acting on it and learning from what happens next.
Read the perspectiveInsurance portfolio management software
Better underwriting
starts with a
clearer view
Understand the book you have. Shape the business you write next. Sybil connects actuarial insight with the decisions that drive portfolio performance.
Built by practitionersFor carriers & MGAs
One platform for the full portfolio management process
The decision behind the data
Your results tell you
where you’ve been.
What comes next?
A healthy headline result can hide a weakening segment. A difficult claims year can obscure a sound underlying book.
To decide where to grow, where to intervene and whether an action is working, you need a view that connects the past with the business being written today.
Sybil brings premium, claims, reserves and underwriting assumptions into a consistent framework. Teams can examine the drivers, test the options and revisit the decision as experience develops.
Our approach to portfolio managementA process that learns
One connected control cycle
Every review informs the next. Follow the cycle from analytical insight to human judgement, then back to the evidence.
New data. Reassess. Refine. Repeat.
Strategy & targetsNew data brings the next review
01 / Historical profitability
Establish the loss view
Assess claims development and IBNR, the allowance for claims costs yet to emerge in full. Establish a credible view of historical profitability.
What you take forwardA historical loss view that includes IBNR
See the capability
Guided by your portfolio strategyProfitability · Volume · Growth · Risk appetite
Two perspectives. Shared evidence.
Confidence on both
sides of the portfolio
Sybil helps the people managing a book and the people providing its capacity have a more informed conversation.
For insurance carriersKnow the portfolio
Demonstrate the
Know the portfolio
you’re backing
Challenge assumptions, understand the sources of performance and see how underwriting actions connect to your objectives.
Explore Sybil for carriers For MGAsDemonstrate the
business you’re building
Show capacity partners the quality of the book, the actions you are taking and the evidence behind your view of the future.
Explore Sybil for MGAsTen practical workflows
Real portfolio questions.
Practical ways forward.
Explore how underwriters, actuaries and management use Sybil to solve real portfolio challenges — from diagnosing underperformance to aligning reserves and reporting to capacity partners.
01 / DIAGNOSEFind what is driving underperformance
Move from a weak portfolio result to a clear understanding of the segments and loss drivers that need attention.
A focused diagnosis. A more targeted underwriting response
Explore the workflow
02 / EXPLORETrack premium growth and portfolio exposures
Follow premium against projections and see how the volume, value and mix of risks are shaping the portfolio.
A clearer view of growth, premium delivery and portfolio exposures
Explore the workflow03 / MODELBuild triangles around the question
Shape the claims development view to fit the portfolio and the decision you need to support.
Flexible reserving views that stay connected to the portfolio
Explore the workflow
04 / ALIGNOne source of truth.
Two teams aligned
Connect Finance’s reserve view to the portfolio detail that guides underwriting decisions.
A shared performance foundation, from reserves to decisions
Explore the workflow
05 / TESTTest the action before you commit
Compare potential rate strategies and understand the trade-off between premium volume and underwriting performance.
Choose a course of action with the implications in view
Explore the workflow
06 / MONITORSee whether change is taking hold
Check early premium and volume signals after underwriting changes, before claims experience develops.
An early checkpoint for action, before the claims picture matures
Explore the workflow
07 / COMMUNICATEMake performance clear to every stakeholder
Give internal leaders and external stakeholders a clear view of which segments meet target, which fall short and why.
A clearer performance conversation, grounded in shared evidence
Explore the workflow
08 / ADAPTOne portfolio.
The right reporting view
Review the whole portfolio or individual carrier shares, including co-insurance participation and reinsurance cessions.
Relevant reporting for every stakeholder, from a shared base
Explore the workflow
09 / IMPLEMENTFrom discovery to insight.
In weeks, not months
Our team helps you get started with a cloud-based platform, shaped around your business, data and decisions.
One connected platform, with less to maintain
Explore the workflow
10 / FOCUSMore time for expert judgement
Reduce recurring preparation so actuarial expertise can focus on interpretation, challenge and decisions.
Less recurring preparation, more informed portfolio decisions
Explore the workflowLooking for the complete printed guide?
Download the official Sybil Ten Use Cases brochure with workflow diagrams, screen walkthroughs and analytical methods.
Software shaped by experience
We built the platform
we needed in practice
Sybil grew out of hands-on insurance portfolio management. Today, our actuaries, data scientists and technology team help businesses turn that discipline into a repeatable way of working.
Meet Sybil and the people behind itSybil perspectives
Ideas for a better-managed book
A rate increase is an action. Better performance is the objective.
The rate achieved is only one part of the outcome. Volume, retention, portfolio mix and claims experience help determine what follows.
Read the perspective
One reserve view. Decisions at the right level.
Credible reserving and useful underwriting insight operate at different levels of detail. Allocation is the connection between them.
Read the perspectiveJoin the ongoing conversation about insurance portfolio performance
Follow Sybil on LinkedInLet’s put it into practice
Start with the question that matters to your business
A portfolio challenge, an upcoming review or a different way of working. Let’s explore it together.
Book a demoFAQs
Common questions
Quick answers about Sybil, your data and getting started. Search everything in the full FAQs.
See all questionsWhat is Sybil?
Sybil is a cloud-based portfolio management platform for insurers. It turns your premium and claims data into one shared view where actuaries and underwriters can analyse performance, agree on actions and track the results over time.
How is Sybil different from a standard BI or reporting tool?
A BI dashboard shows what happened. Sybil goes further: it combines actuarial projections, underwriter exploration, scenario testing and an audit trail of decisions. It then measures actual results against expected ones, so you can see whether your actions worked.
What data does Sybil need from us?
Policy-level premium and claims data, plus some context: your portfolio structure, large-loss definitions, rate change history and IBNR approach. Sybil doesn’t need personal data.
How is our data secured?
Data is encrypted at rest and in transit, and HTTPS is enforced on every connection. Login uses SSO (Microsoft Entra ID or Google Workspace) with multi-factor authentication. Backups are regular and tested. Our infrastructure providers hold independent certifications, including SOC 2 and ISO 27001.
How long does implementation take?
Typically weeks, not months, depending mainly on data readiness.
Can we see a demo or run a trial?
Yes. You can book a demo, or run a six-month paid pilot with full access to Sybil using your own data.