Streamline and transform your entire reserving process
From reserving studies and claims analysis to cash-flow projections and regulatory compliance, discover the areas and needs covered by our Reserving software, a SaaS solution designed to simplify, secure and optimize your reserving processes!
Addressing your needs in the reserving process
With Reserving, we offer insurers a powerful and user-friendly solution, designed for excellence in actuarial reserving. By integrating best practices and methodologies from leading insurance markets, the business application streamlines and transforms the entire reserving process – from raw data to final reports. It supports not only actuarial precision but also enhances process automation, data quality, and monitoring. This ensures technical rigor, operational efficiency, and effective team training, all within a single platform.
FEATURES
Shaping the future of Reserving
Accessible anytime, anywhere, our SaaS solution provides step-by-step guidance to ensure accuracy and efficiency.
User-friendly and intuitive interface
Easily navigate, create triangles, modify values as needed and analyze your reserving data, in a few clicks.
Use Proven Methods
Rely on the market’s favorite methods: Chain-Ladder, Bornhuetter-Ferguson, Average Cost, Average Cost per Claims, Loss Ratio and Mack Bootstrap methods. Obtain and compare your results.
Step-by-step guidance
Easy-to-navigate menus and helpful templates will guide you step by step through your reserving process.
Customizable parameters
Streamline and customize your reserving process with various parameters and options: paid or incurred triangles, underwriting or accounting origin years, and apply inflation vectors as needed.
Excel-like logic replication
Easily replicate your existing Excel-based methods within the app. Maintain control and familiarity while accelerating your process with automation.
Scenario testing
Test assumptions and simulate different reserving scenarios to assess the impact of changes and support strategic decision-making.
Traceability & auditability
Every change is traceable: add comments, track modifications, and export audit trails to ensure full transparency and compliance. Your calculations and results are ready for view at all times, both internally and externally.
Volatility analysis
Understand reserve uncertainty with advanced parameters for analyzing volatility and variability across methods and assumptions.
THEY TRUST US
More than 2,200 users trust our solution
Occident, Spain
Intuitive user interface, high-speed performance, seamless module integration, adaptable updates, customer-centric approach, and a highly professional team.
Unigarant, Netherlands
We have been using the reserving solution for many years and find the interface clear. The ability to read results into excel is nice.
Sura, Colombia
For the very complete results that I can obtain by using a tool like Addactis Reserving in my day-to-day work.
BNP Paribas Cardif El Djazair, Algeria
Thanks to the reserving solution, we have not only saved time but also gained reliability in our results
AGRUPACIÓN MUTUAL ASEGURADORA, Spain
I find the tool to be very intuitive, and its execution is quite fast.
Seguros Mundial, Colombia
Overall, the tool is easy to use and practical, it’s a great help.
OVERVIEW
How it simplifies your Reserving Process
Watch our video to explore the user-friendly interface in action and see how easily you can calculate reserves in just a few clicks.
THE ADDACTIS PLATFORM
Our solution is part of the next-generation Actuarial Risk Management Platform
Experience unparalleled reliability, efficiency, and innovation with a system crafted to meet the dynamic needs of the insurance industry. Elevate your business operations today and stay ahead of the competition with our unique, cutting-edge solution.
Our platform is the only one on the market that seamlessly addresses both regulatory and profitability scopes, ensuring your success in a highly competitive landscape.
A unique and unified actuarial platform, designed to ensure compliance and profitability, through a range of powerful solutions.
Capital Modeling
A fully auditable software, designed for all insurance prudential standards and enhanced by decades of practice around regulatory aspects.
IFRS 17
Ensures full traceability, accurate profitability tracking, and seamless management of insurance contracts through our IFRS 17 compliance solution.
Pricing
Streamline your Pricing Workflow and achieve optimal strategies with data-driven precision and agility.
RESOURCES
Explore our content related to Reserving
Reserving : Bornhuetter–Ferguson & Loss Ratio methods
Reserving: Chain Ladder, the essential method
In non-life insurance, reserving is a regulatory component of risk management. Its purpose is to estimate the technical provisions needed to cover the insurer’s future commitments.
Benchmark: practices and challenges in non-life reserving methods
What are the reserving best practices to tackle challenges in non-life insurance?
The Addactis Observatory has conducted a nationwide survey of non-life insurers in the French market, in order to update its previous studies and highlight market trends in a rapidly changing environment.
FAQ
More about Reserving
How does our Reserving software ensure data quality, automation and auditability?
Our reserving solution offers fully automated and integrated processes with complete audit trails, enabling the identification of changes and ensuring the adequacy, completeness, and accuracy of data through automated data controls. Our solution helps you minimize manual tasks and reduce risk.
How does our Reserving software ensure compliance with Solvency II and IFRS 17?
The software includes specific modules that comply with Solvency II and IFRS 17 standards, facilitating accurate calculation of Best Estimates and cash-flow projections using both the Building Block Approach and the Premium Allocation Approach.
How our Reserving solution simplifies your process?
- Set geometry: Set the origin type, start and end dates, and periodicity, with the option to add diagonals for efficient updates.
- Fill triangles: Define the type and input values effortlessly.
- Adjust parameters: Customize inflation or exposure vectors as needed.
- Calculate methods: Use industry-standard methods like Chain-Ladder, Bornhuetter-Ferguson, Loss Ratio, and more for advanced configurations.
- Select reserves: Choose the final reserves for the study from among the calculated methods.
- Assess results: View the final results of the studies.
- Get quantiles with Mack Boostrap and normal or log-normal distribution
More than a tool, the Reserving software is your complete solution, guiding you with intuitive menus and helpful templates.
How does the Reserving solution integrate with our existing systems?
Our solution is designed to seamlessly connect with your information system. It streamlines data flow and triangle exchange with a robust audit trail, ensuring traceability and integration with your existing architecture.
Which reserving methods are supported?
Our solution includes a full range of actuarial methodologies such as Chain-Ladder, Bornhuetter-Ferguson, Average Cost, Average Cost per Claims, and Loss Ratio. You can calculate technical reserves, risk measures, Solvency II Best Estimates, and IFRS 17 risk adjustments—all in just a few clicks.
How to choose the right reserving method?
To choose the right reserving method, consider the following:
- Chain-Ladder: A method that projects future claims based on historical development patterns, assuming past trends represent the future trends. The mostly used method on the market.
- Bornhuetter-Ferguson: A hybrid method that combines prior expectations (often from loss ratios) with observed data, giving more weight to expected loss early in development and actual data later.
- Loss Ratio: A method that estimates reserves by applying an expected loss ratio to earned premiums, often used when there is limited claims development data.
- Average Cost: A method that projects future claims by multiplying the number of claims by an expected average cost per claim.
- Average Cost per Claim: A refinement of the average cost method, separately projecting the number of claims (frequency) and the average cost per claim (severity), then combining them.
Select a method based on the nature of your data and the specific characteristics of your insurance line. Our Reserving software includes the mostly used reserving methods on the market.
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