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.
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A perspective on
portfolio performance
Ideas from the team on underwriting decisions, actuarial insight and the discipline of managing an insurance book.
10 perspectives
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.
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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.
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Efficient operations or effective underwriting?
Operational efficiency matters. So does directing attention to the decisions that influence claims costs and portfolio profitability.
Read the perspectiveInsight should arrive while it can still influence the decision
A more repeatable review process gives underwriters timely information and actuaries room to investigate what has changed.
Is another 5% rate enough?
Why the effect of a rate increase depends on where it lands, which risks stay and how the portfolio mix changes.
When the reserve is right, but the segment view is wrong
The allocation choices that connect aggregate IBNR to the products, periods and segments where decisions are made.
A bad loss year is not always a bad portfolio
Why large and weather losses need to be considered separately when interpreting the underlying performance trend.
Keep the portfolio management cycle moving
New data should build on the previous assessment, with assumptions, actions and emerging results kept in view.
Bridge accident-year and underwriting-year views
Finance and underwriting can examine different period bases while working from the same underlying result.
The latest posts from the Sybil Tech LinkedIn page. Links open the original LinkedIn discussion.
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The what, why and how
of portfolio management
Simon Pollack’s practical guide to the discipline behind the platform.
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