EFuturesCFO · Insurance Suite
Premium Pricing & Rate Adequacy
Determine if current premiums are adequate to cover losses and target underwriting profit. Model indicated rate changes, retention elasticity, and segment-level adequacy.
Executive Summary
Segment Adequacy
Rate Elasticity
Pricing Levers
Methodology
Indicated Rate Change = ((Current LR × Trend × LDF) / Target LR − 1) × Credibility + Filed Change × (1 − Credibility). Target LR = 100 − Expense Ratio − Target Profit. Retention impact = Rate Change × Elasticity per point. Adequacy = Target LR − Current LR (positive = adequate). Segment indication uses segment LR vs book target.
Loss Ratio Optimizer
Policyholder Retention
Claims Reserve Adequacy
Distribution Channels
Insurance KPI Dashboard