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Enrich your approach to actuarial risk management and embrace the innovations that will maximise your business potential.

Date: 25 March 2025
Time: 9:00 to 10:00 am CET
Format: Online

See now how addactis^® Platform is transforming actuarial risk management: Video

Addactis lanciert die addactis^® Platform, eine komplette Cloud-Lösung als Innovation des aktuariellen Risikomanagements in Lebens-, Nichtlebens- und Rückversicherungen – von IFRS 17 über Risikomodellierung, Rückstellungen und Tarifierung.

Eine integrierte Plattform für regulatorische Compliance, Finanzmanagement und Risikokontrolle, ausgestattet  mit leistungsstarken Funktionen für Datenaufbereitung, Workflow-Design und Reporting.

In a context of constant increase in competition and heightened regulatory pressure, accuracy, actuarial precision, as well as transparency and understanding of the tariff, are key issues in non-life insurance pricing. On the one hand, the traditionally used Generalized Linear Model (GLM) results in a multiplicative structure that favors interpretability and ease of use. On the other hand, machine learning and deep learning techniques capture complex non-linear relationships between variables and enhance tariff performance. However, these black-box predictive models face difficulties in providing transparency into their decision-making processes. As a result, insurers often face a trade-off in the selection of predictive methods between performance and interpretability.

The Ultimate Forward Rate (UFR) defines the long-term part of the risk-free curve used to discount insurance liabilities when market data is missing or unreliable. It ensures consistent valuations for long-dated commitments.

More than a technical parameter, it directly affects liability values – and thus the solvency ratio. Even small changes in the UFR can significantly shift reserves and capital requirements.

This curated selection of expert perspectives from Addactis highlights the challenges and opportunities currently redefining the insurance industry.

The collection covers a wide range of key topics – from artificial intelligence and data-driven pricing to Solvency II, IFRS 17, reserving methods and risk-free rate modelling. Each article provides practical perspectives for insurers and actuaries seeking to navigate regulatory change, technological innovation and evolving market dynamics.

Artificial intelligence (AI) is omnipresent in our daily lives and is increasingly influencing social, economic and professional dynamics. Yet a gendered analysis of its ecosystem reveals profound inequalities and systemic biases that weigh heavily on the place and role of women in the field of AI. 

This article offers an in-depth exploration of the many facets of this reality, based on around thirty reports, scientific publications and field studies: How are women represented in AI? Are there gender biases in algorithms? What are the impacts on the healthcare sector? And insurance?

The Own Risk and Solvency Assessment (ORSA) plays a central role under Pillar II of Solvency II, linking governance, risk management, and strategic planning to ensure insurers maintain adequate capital at all times. Beyond regulatory compliance, it adds value by enhancing decision-making, forward-looking risk management, and organisational resilience. Modern technologies strengthen these processes through automation, improved data quality, and traceability, transforming ORSA from a compliance exercise into a strategic management tool.

With IFRS 17, IFRS 9 and LDTI now in force, insurers face sharply rising demands on data quality, reporting frequency and complexity – alongside ongoing local GAAP, tax and ESG requirements. After an implementation phase centred on data preparation and compliance, the focus is shifting towards streamlining and integrating closing processes. The aim is to reduce manual effort, minimise errors, accelerate closing cycles and create synergies across reporting regimes. Achieving this typically requires a fundamental redesign of existing processes, as adding new systems alone will not deliver lasting improvements. This article outlines how modern technology can automate, simplify and strategically enhance financial reporting frameworks.