What the product includes

actuarial methods

Chain ladder, Bornhuetter–Ferguson, Cape Cod, Benktander, Credibility, Barnett–Zehnwirth, Fisher–Lange, separation method, FS methods, Tweedie GLM, Clark — with built-in help and applicability diagnostics.

risk adjustment methods

Mack, Merz–Wüthrich, Bornhuetter–Ferguson, ODP bootstrap, residual and pairwise bootstrap, Tweedie GLM, Clark curves (LDF and Cape Cod) — distributions, quantiles and standard errors for every segment.

6 formulas × windows

ways to calibrate development factors

Volume-weighted, simple and geometric averages, median, regression, power — with any window, smoothing and manual values; a map of all variants; three tail-factor curves — inverse power, Weibull and Bondy; Munich chain ladder and RBNS-based calibration.

calculation bases

Paid and incurred losses with a comparison of results and a recommendation by mature periods; a method choice for every accident period.

levels of diagnostics

Mack tests, residual analysis, a back-test on a held-out diagonal — with step-by-step calculation, methodology and recommendations applied with one click.

views of results analytics

Reserve summary by segments and accounting groups, loss ratio dynamics, reserve dynamics and run-off — a retrospective check of past estimates.

IFRS 17

Built into the overall IFRS 17 reporting process

Best estimate of the liability for incurred claims (LIC), risk adjustment, liability for remaining coverage (LRC) and discounting — in one loop with common segments and accounting groups. The result is a full report in Excel and Word, the actuary's decision journal and locked calculations for audit.

TransparencyFormula mode: click any cell to see its formula with numbers and all of its sources.

AssistantsThe advisor points at weak spots in the setup; the AI chat answers using the model's data.

Your own dataCSV or Excel: claim registers are mapped by columns, triangles are loaded from a workbook.

ControlLocked calculations, a decision journal with a data fingerprint, estimate history and run-off.

The reserving pathScreens of the product in calculation order — from data to summary

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**2. Segmentation**The portfolio is split into segments by accounting groups, products, regions and amounts — with an integrity check.

**3. Actuarial methods**19 methods in four groups with built-in help: when a method applies and what it is sensitive to.

**4. Loss reserve: parameters**For every development step — averaging formula, window, smoothing, manual value; tail by three curves: inverse power, Weibull, Bondy.

**5. Factor charts**Individual factors by period, the selected vector, Munich chain ladder and RBNS-based calibration.

**6. Variant map**All “formula × window” variants on one map — a variant is applied with a click.

**7. Method visualisation**The completed rectangle, metrics by period and formula mode: every number drills down to its sources.

**8. Method breakdown with formulas**Step-by-step calculation of Barnett–Zehnwirth, Fisher–Lange and the separation method — with residual charts.

**9. Choosing between methods**Each accident period gets its own method; diagnostic recommendations are applied with one click.

**10. Method comparison**Results of all methods side by side; methods unavailable on this data — with the reason.

**11. Diagnostics**Mack tests, residuals, a back-test on a held-out diagonal — with step-by-step calculation and methodology.

**12. Paid vs incurred**Two calculation bases, a comparison of results and a recommendation by mature periods.

**13. Risk adjustment: parameters**Analytical, simulation and parametric methods: Mack, Merz–Wüthrich, bootstrap, Tweedie GLM.

**14. Risk adjustment: details**Distributions, quantiles and standard errors for every method and segment.

**15. Risk adjustment summary**Applicable methods side by side; the selected one goes to the reserve summary.

**16. Reserve summary**Development forecast, reserve, IBNR, risk adjustment, subrogation and direct claims settlement by segments and accounting groups; a full report in Excel and Word.

**17. Loss ratio dynamics**Earned premium, ultimate loss and loss ratio by valuation dates, segment comparison.

**18. Reserve dynamics**How incurred loss, reserve and IBNR changed over time by segment.

**19. Run-off**Retrospective re-estimation of the forecast: past estimates against actual development.

RTL-Q — best estimate of loss reserves and the IFRS 17 risk adjustment

RTL-Q video overviewTen minutes: from claim registers to an approved reserve summary

What the product includes

The reserving pathScreens of the product in calculation order — from data to summary

See RTL-Q on demo data