EFuturesCFO · Insurance Suite
Claims Reserve Adequacy Analyzer
Evaluate IBNR and case reserve adequacy, model loss development scenarios, and analyze reserve redundancy or deficiency across accident years.
Executive Summary
Reserve Scenarios
Reserve Trajectory
Reserve Levers
Methodology
Held Reserves = Case + IBNR. Required = Ultimate − Paid. Adequacy = Held − Required (positive = redundant). LDF chain-ladder projects ultimate from paid. Margin scenarios: Optimistic (−margin), Base, Conservative (+margin). Severity/frequency trends and reopen rate stress IBNR. Peer P&C reserve ratio: 40-55% of NEP.