Streamline and transform your entire reserving process
Addressing your needs in the reserving process
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 business app 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.
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Capital Modeling
A fully auditable business app, 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 business app.
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 Business App ensure data quality, automation and auditability?
How does our Reserving Business App ensure compliance with Solvency II and IFRS 17?
How our Reserving Business App 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 Business App is your complete solution, guiding you with intuitive menus and helpful templates.
How does the Reserving solution integrate with our existing systems?
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?
- 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 Business App includes the mostly used reserving methods on the market.
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