Capital Ready Reckoner

The problem: A client with an insurance portfolio that was undergoing a transformation needed to look at underwriting options for the years ahead.

There was no easy way to know how each different scenario brought to them by the underwriting team would affect their capital requirement.

The solution: Using their submitted business forecast we created a scaled-down spreadsheet version of their main capital drivers, relevant to the options that are being presented.

The result: Rather than the requests taking a day or so of time to manage and configure, rough figures can be presented while in conversation - even during meetings. This means that some underwriting options can be excluded at the point of consideration, rather than wasted time looking into writing risks that don’t fit with the business’ wider risk strategy.