Insurance calculators
Life and pensions
Life table and life expectancy
Mortality rates, survival probabilities and life expectancy from a mortality law or your own table.
mortalitysurvivalactuarialCalculateLife insurance premium and reserve
Net and gross premiums for term, whole life and endowment cover, with the reserve over the policy's life.
termendowmentreserveCalculateAnnuity and pension value
What a pension costs, or the income a lump sum buys: deferred, guaranteed, escalating and monthly annuities.
pensionannuityretirementCalculate
Non-life pricing
Premium rating
Frequency × severity to a pure premium, then trend, expenses and profit to the gross premium.
pricingpure premiumloadingsCalculateDeductibles, limits and layers
Limited expected values, loss elimination, increased limits factors and the cost of an excess layer.
deductibleILFexcess layerCalculateCredibility and experience rating
Blend a risk's own experience with the manual rate: limited-fluctuation and Bühlmann credibility.
credibilityBühlmannexperience ratingCalculateAggregate loss simulator
Monte Carlo of a year's claims, gross and net of excess of loss: mean, VaR and TVaR at 99.5%.
collective riskMonte CarloVaRCalculateReinsurance structures
Quota share, surplus, per-risk excess of loss and stop loss applied to your losses.
quota sharesurplusexcess of lossCalculateCatastrophe return periods
Return periods and probabilities, the chance of an event over a horizon, PML and AAL from an EP curve.
cat riskPMLAALCalculate
Reserving
Capital and reporting
Solvency II SCR and solvency ratio
Aggregate market and other risk modules with the standard formula correlations to the SCR and solvency ratio.
Solvency IISCRstandard formulaCalculateSolvency II risk margin
Cost-of-capital risk margin from a projected SCR: today's 6% rule against the amended 4.75% with tapering.
risk margincost of capitaltechnical provisionsCalculateIFRS 17 contractual service margin
Fulfilment cash flows, CSM or loss component at initial recognition, and the CSM's first-year roll-forward.
IFRS 17CSMaccountingCalculateRuin probability
Cramér-Lundberg ruin probability, the adjustment coefficient and the capital for a target probability.
ruin theoryLundbergcapitalCalculateInsurer ratios
Earned premium, loss, expense, combined and operating ratios from the underwriting account.
combined ratioloss ratiounderwritingCalculate
For education and quick checks. Results depend on the assumptions you choose and are not actuarial, regulatory or accounting advice; regulatory parameters are those published at the date shown on each calculator.