Fast
A production-scale group model runs in about 15 minutes on a laptop, and under 3 on a tuned server. The 200-class demo runs in under 30 seconds.
P&C economic capital · Private alpha
AI-assisted
economic capital modeling.
Underwriting, catastrophe, reserve and asset risk, with reinsurance, in one model that runs in minutes. Ask what is driving a result or request a change in plain language, and approve each step before it runs.
What you can ask Aktua
“Which sources contribute most to our 1-in-100 net loss?”
“Copy the base scenario and set the Property XOL retention to $5 million.”
For project changes, Aktua shows the proposed steps and values for your approval. You supply any missing business assumptions.
Complete
Underwriting, catastrophe, reserve and asset risk in one model, with multiple correlation options.
Reinsurance
Quota share through aggregate cat XOL, with reinstatements and inuring order. If your structure isn't covered, we build it.
Plain language
Describe a change, review the proposed steps and approve them. The engine does every calculation.
Inside Aktua
What the results look like
Underwriting, gross to net
Premium, losses, expenses and profit before and after reinsurance, with volatility and 1-in-200 outcomes side by side.
Every reinsurance contract, in depth
Attach and exhaust probabilities, the recovery curve by return period, terms and utilization, and which risk units drive the recoveries.
Screenshots from the demo model: a fictional carrier with 200 classes in three legal entities, run with 10,000 simulations.
Economic scenarios
The economy inside every simulation
Each simulated year carries a full economic scenario: yield curves, inflation, credit spreads and equity returns. Claims inflation, discounting, assets and insurance results read the same path, so the capital tail shows the economy behind it.
Interest rates
Two-factor yield curves for USD, GBP, EUR and CAD, projected annually for 50 years. The one-year view discounts on the simulated curves.
Inflation
Consumer prices by currency, plus US medical and wage indices. Each line's claims inflation is its own mix of price, wage and medical.
Credit and equity
US credit spreads by rating and an equity total return, for asset risk and the credit cycle.
Economic drivers
Insurance results load on named drivers such as rate moves, inflation surprises and the credit cycle, by entity, line or class. See how much capital comes through the economy, driver by driver.
Calibrated to public data from the Federal Reserve, BLS, OECD and Shiller, with every source, retrieval date and file hash recorded.
AI Assistant
The assistant works in your project.
It can read the current model context, query calculated results, prepare a report, and propose supported changes to scenarios, reinsurance contracts, and simulation settings.
When you're exploring
Ask for a metric, a breakdown, or a comparison. The answer draws on the project's calculated results, which you can inspect in the usual analysis screens.
When you're making a change
Describe what you want to change. The assistant lays out the exact steps and inputs, saves a snapshot, and waits for your approval before running the plan.
The assistant currently covers selected analysis and project actions in the private alpha. Your team still sets assumptions and makes the final judgment.
See six real answers, replayed
Workflow
From experience data to scenario results
Move from observed experience to selected assumptions, then compare the consequences.
Experience data
validated experience
Prepare the portfolio
Review claims and policy inputs, prepare earned premium, and reconcile the experience you will use.
Calibration
selected fits
Calibrate the loss models
Compare thresholds, experience periods, and candidate distributions. Save the fit and your selection notes.
Capital model
scenario results
Run scenarios
Apply selected assumptions, dependence, and reinsurance in a Monte Carlo model.
Results
Excel exhibits
Compare and report
Compare gross, ceded, and net results. Report in Excel, revise a scenario, and run it again.
Who it is for
P&C teams working through portfolio questions
For P&C teams that need to connect detailed experience work with portfolio outcomes.
Client engagements
Bring data preparation, calibration, and capital analysis together for a client engagement, with reports that fit the way your team works.
Program comparisons
Test attachments, limits, and program alternatives. Show clients how each choice changes recoveries and retained risk.
Portfolio sensitivities
Investigate assumptions and portfolio scenarios. Evaluate a focused use case alongside your existing modeling process.
Reinsurance modeling
Compare reinsurance structures
Build programs from proportional, per-risk, catastrophe, and aggregate protection. Change attachments, limits, placement, reinstatements, scope, or contract priority—then rerun and compare the retained economics.
Compare gross and net losses, ceded premium, recoveries, and tail metrics to assess the trade-off between protection and retained risk.
Test a reinsurance workflow
Reinsurance comparison
Three ways to structure protection
Illustrative alternatives
Current program
Quota Share + Excess of Loss
Baseline
selected assumptions
priority set
Alternative 01
Excess of Loss + Cat XOL
Alternative
new attachment
2 reinstatements
Alternative 02
Surplus Share + Cat Aggregate XOL
Alternative
revised placement
aggregate cover
Attachments
Limits
Placement
Reinstatements
Inuring order
Excel reporting
Use the results in your workbook
Bring completed simulation results into linked Excel templates. Review scenarios, summarize portfolio risk, and prepare exhibits in a familiar reporting environment.
A focused evaluation
A practical Excel reporting workflow
- Select the completed run and results you want to report.
- Refresh a linked workbook and review the exhibits.
- Reconcile the key numbers against your current process.
Excel integration is evolving during private alpha. The walkthrough covers the supported setup for your workflow.
Desktop by design
The project stays on your machine
Work locally, retain selected assumptions, and keep completed runs for comparison.
Local-first execution
Core model data and simulation run on the user’s machine by default.
A shared project
Experience data (Aktua Data), calibration studies (Kalibra) and the capital model share one project folder.
Reproducible runs
Saved settings, seeds, and completed runs support repeatable analysis and comparison.
Deliberate selections
Save a calibration result, review it, and explicitly apply the selected parameters to the simulation model.
Private alpha
Try Aktua on one portfolio
We are inviting actuarial consultancies, reinsurance brokers, and insurer teams to evaluate Aktua through a supported pilot. We can agree on a portfolio and the question you want to answer.
Discuss a supported pilot Founder-led walkthrough and a pilot scoped to your team.