Claims and Reserve Forecasting
Forecast claim frequency and severity, reserves and IBNR, premium and policy counts, catastrophe claim volumes, lapse and mortality, and service volumes on one shared foundation.
Generative AI turns claim notes and filings into model features, explains every change in plain language, and answers what-if questions with numbers that always come from the model.
Pricing and Renewals
Loss cost and renewal models together set rates that are adequate, competitive and ready to file.
Loss cost models estimate expected loss per policy. Renewal models predict retention at each price, used where state rules allow. Explains each renewal change in plain language for agents and customers, and drafts rate filing support from the model results.
Injury Claims
Predict duration and cost early, and turn long medical files into a timeline adjusters can use.
Models predict time out of work, total medical cost, likelihood of surgery and opioid risk, so nurse case managers step in where it changes the outcome. Summarizes medical records and bills into a timeline of diagnoses, treatment and work status, citing the page behind each entry.
Life Underwriting
Accelerated underwriting decides many applications without fluids, and summarizes medical records for the rest.
Mortality risk models use application, prescription, MIB and other third-party data to place applicants in a risk class or refer them to an underwriter. Summarizes attending physician statements and medical records for referred cases, highlighting what the underwriting manual cares about.
Lapse and Retention
Predict which policyholders will lapse or switch, and reach them with the right message before they do.
Lapse and churn models score each policy, uplift models pick who will respond to outreach, and lifetime value sets how much to spend keeping them. Drafts personalized outreach for agents and service teams in approved language, and flags intent to cancel in service calls and emails.
Policy Wording and Coverage Q&A
Compare forms and endorsements, flag coverage differences, and answer questions from the actual wording.
Agents compare forms and endorsements with standard wording and flag differences. An assistant answers adjuster and underwriter questions, citing the clause. Answers come only from the documents on file and say “I don’t know” when the wording is silent. Coverage decisions stay with people.
Agent and Broker Copilot
Help producers find the next best opportunity, and take quoting, email and service work off their plate.
Models flag producers at risk of moving business, agencies with growth potential and policies ready for cross-sell, so field teams focus where it pays. A copilot answers appetite and product questions, drafts quotes and emails, and summarizes each account before a renewal conversation.
