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Insurance Solutions
Formerly Moody’s RMS
Gain clear risk insights on inwards and outwards reinsurance structures with integrated, model-agnostic analytics.
It’s time to rethink how you analyze risk
Delivering advanced program and portfolio risk insights direct to the underwriter, enabling optimal risk selection and pricing decisions for your customers and stakeholders.
Advanced financial modeling delivers impactful treaty and portfolio analytics for superior risk structuring, pricing, and selection.
Leverage near real-time analytics for faster, more accurate portfolio roll-up and event response operations.
Seamlessly transfer catastrophe and exposure analytics into treaty underwriting to achieve unprecedented efficiency, consistency, and flexibility.
At every step – from pre-bind to portfolio roll-up – an Underwriter must track how individual cedants are performing and ensure the portfolio remains balanced and profitable. Let’s look at how TreatyIQ empowers Underwriters to maximize treaty reinsurance profits.
Portfolio roll-up
Event response
Integrated modeling
Run roll-ups faster and more frequently for up-to-date insights on assumed and net risk positions. Test different participation scenarios to develop renewal strategies, business plans and outwards reinsurance structures.
And with Business Hierarchies available through ExposureIQ, you can view your aggregate risk position on an exposure and loss basis for a comprehensive understanding of your book.
Analyze losses to historical and real-time events to benchmark individual deals.
Identify key contributing programs and portfolio segments across the portfolio to expedite your response to unfolding catastrophes.
Through integration with Risk Modeler, Moody's catastrophe analyses be run automatically when analyzing programs in TreatyIQ, empowering Underwriters, freeing up catastrophe modeling teams for higher value tasks, and ensuring consistency in your view of risk.
Major reinsurer wanted to improve the performance of its property catastrophe book by enhancing portfolio management capabilities. They required a solution that provided underwriters with insights on the overall portfolio impact, no matter the complexity of the program or which model losses the cedant provided.
Read how TreatyIQ can improve portfolio visibility and provide timely insights.
With every treaty management application offering an array of features and capabilities, it can be challenging to decide which best suits your needs. The Moody's Treaty Management Application buyer's guide ensures you ask the right questions, so that you can start optimizing your portfolio, eliminating blind spots, and improving profitability.
Disjointed, legacy technologies make it challenging for reinsurers to achieve greater speed, improved automation, and higher data quality. An adaptable, future-proof approach helps you respond to more complex, connected, and systemic risk. Realize the benefits of a cloud-native solution.
Hear from Moody's experts as they discuss how leveraging cloud-native, connected applications can help address key challenges the reinsurance industry faces today and into the future.
Oliver Morran, Director of Product Management, discusses the advantage of connected portfolio applications.
Cihan Biyikoglu, EVP, Product discusses data challenges and the importance of integrated decisions.
Moe Khosravy, EVP Software and Platform, discusses how the Moody's cloud platform enables powerful risk insights.
The applications on the Intelligent Risk Platform leverage consistent engines and data stores, and surface analytics that different personas in the risk chain depend upon. This connectivity enables collaboration and efficiency. For companies licensing TreatyIQ and Risk Modeler, catastrophe modeling jobs can be performed automatically in TreatyIQ workflows. Where ExposureIQ is licensed, treaty portfolio hierarchies created in TreatyIQ can be used in accumulation analyses in ExposureIQ. New shared capabilities are being added all the time to improve collaboration and continue to optimize workflow efficiency.
Disparate tools across modelling, accumulation, and treaty management workflows typically use different financial engines to calculate losses. Each solution may only capture a subset of reinsurance terms or apply them using an alternative approach creating inconsistent views of risk.
Supporting consistent and trusted data, a unified view of risk, and collaborative applications.
Derive advanced exposure insights and identify risk concentrations and hotspots across both insurance and reinsurance portfolios. Deliver real-time event reporting through integration with Moody's RMS event response and HWind.
Innovative modeling application that unifies all your risk modeling needs. Designed to deliver a familiar application experience as RiskLink, it enables organizations to run all their modeling workloads at a superior cost of ownership.
For many property and casualty reinsurers, calculating treaty analytics can be a frustrating and time-consuming process, as antiquated tools and workflows put teams under significant pressure when attempting to deliver timely and accurate insights. And with an increased appetite for analytics together with a more condensed binding window, this year’s January 1 renewals exposed how inflexible some of those workflows can be. This inflexibility also resurfaces when analytics teams have to deal with the aftermat...
The 2023 1/1 property reinsurance renewals were the toughest and most prolonged for many years, with much of the negotiations pushed into the last couple of weeks. Many reinsurers adopted firmer positions on peril coverages and price across the board, evidenced by 37 percent rate increases according to Howden, with reduced market capital, concerns about creeping catastrophe concentrations, and the increasing cost of retrocession among the drivers of the caution. This renewal season required effecti...
There’s no doubt that we now have more data and apps at our fingertips than ever before to help us make decisions. But for financial services, reinsurance, insurance, or brokerage companies, this often means you have to deal with multiple disconnected systems across the departments that are driving critical business decisions. For the insurance industry, at RMS® we sometimes see a decision-making center – such as underwriting, exposure management, risk analytics, cat modeling, or actuarial – use a system bui...
As treaty underwriters prepare to navigate another challenging renewal season, compounded by an uncertain economic outlook, many are looking to new technological solutions to help them capitalize on nascent optimism around rates and build sustainable profitability. EXPOSURE explores the importance of reliable marginal impact analytics to bias underwriting decisions in favor of diversification The fall of investment profits for insurance and reinsurance companies as a result of the impact of COVID-19 on financ...
Cautious optimism surrounds the January 1, 2020 reinsurance renewals, with expectations that the anticipated hardening of rates might be realized – to a modest degree at least. Reinsurance underwriters who can harness technology to conquer historic risk assessment challenges – including robust marginal impact analytics, and create the space for innovation can build customer relationships that are resilient to future market rate oscillations. The capital influx to reinsurance markets, triggered by low marke...
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