Pricing & Underwriting Tools
Develop pricing tools, underwriting calculators, burning cost logic, credibility views, rate monitoring and decision support for new and renewal business.
Insurance Support
Actuarial thinking for pricing, portfolio control and insurance performance.
Pencil Analytics supports insurers and insurance teams with practical actuarial and analytical tools that improve pricing adequacy, underwriting visibility, portfolio monitoring, claims insight, reserving support and executive control.
Portfolio Performance Review
Monitor premium, claims, exposure, loss ratio, frequency, severity, risk segments, channels, renewal performance and profitability by portfolio layer.
Claims Development & Reserving Support
Build claims development views, triangle logic, ultimate claims monitoring, IBNR support, paid and incurred analysis and reserving dashboards.
Risk Segmentation & Predictive Models
Analyse risk drivers, customer groups, vehicle or product factors, channel quality and claims behaviour to support better segmentation and pricing decisions.
Automation & Governance
Automate monthly actuarial reporting, approval workflows, portfolio packs, regulatory consolidation, exception reporting and controlled pricing outputs.
Executive Insurance Oversight
Translate actuarial and underwriting information into management dashboards that show portfolio direction, risk appetite alignment and financial impact.