Towers Watson pricing software

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1 pricing software Adding value to the pricing of personal lines and commercial business

2 s pricing software is used by 17 of the world s top 20 P&C insurers.

3 pricing software Effective pricing is fundamental to the success of an insurance business s pricing software applications and consultancy support enable you to perform tasks that would otherwise be impossible, impractical or hugely time-consuming. By supporting the development of powerful predictive pricing models based on company and external data; by enhancing the precision of risk classifications; and by enabling scenario testing and optimisation of strategic pricing options (including in real time), our specialist pricing software products help improve the success and profitability of your pricing strategies. Years of practical experience have gone into the design of the products in our pricing suite. Our software is developed by our team of pricing specialists and software engineering professionals working in collaboration with our clients. Product range Our pricing software helps with many stages of the pricing control cycle and is used by more of the world s P&C insurers than any comparable products to meet pricing objectives and improve profitability. Emblem Classifier Radar Emblem builds powerful and sophisticated predictive models of claims, retention, conversion and other policyholder behaviour experience. Its flexible analysis capabilities allow even the most complicated models to be fitted to large datasets rapidly. Classifier analyses the effect of geographic and other factors on risk through a range of sophisticated spatial analysis methods. The Radar platform comprises a range of products (including Radar Optimiser) that provide powerful management information to support portfolio monitoring and rate setting. Further products are available which perform full price optimisation and optionally integrate directly with rating systems to deliver real-time processing capability. Our software products share a number of user-friendly features in common: Highly visual interfaces to support usability Graphic-rich reporting facilities to assist communication of information with non-technical users Facilities for high levels of user customisation Designed to interface with a wide range of database and ancillary products typically used by insurers Strong governance and documentation Regular updates and integration of best practice methodologies pricing software 3

4 Emblem Incorporating over a decade of practical experience and enhancements in its design, Emblem s predictive models rapidly access very large, complex datasets to reveal the underlying patterns of claims experience, renewals and conversion, price elasticity and a range of other customer characteristics. Save time, maximise productivity Emblem supports a wide range of complex predictive models and presents results clearly, enabling a diverse set of users to employ statistical modelling techniques. It allows you to save time by concentrating on the analysis and results, rather than the time-consuming activity of setting up models. Also, users can glean powerful pricing insights without huge volumes of data which increases pricing profitability. Emblem XE: extending your capability Emblem XE is an optional upgrade for companies with exceptionally large datasets that need even faster processing speeds. Emblem XE takes full advantage of multiple processors up to 128 processor threads and 64-bit systems. This can increase performance and scalability 30-fold. Emblem Express: for low volume usage With Emblem Express users get all the power and functionality of the full package, but applied to smaller predictive modelling data sets. A simplified interface is available to help new users make use of the package quickly. Figure 01. Emblem enables easy validation of fitted models Business benefits Improve profitability through pricing that is based on a thorough understanding of risk Make better pricing and marketing decisions by understanding policyholders purchasing, retention and conversion behaviours in-depth Identify patterns in data that traditional generalised linear modelling software would struggle to find Formulate responses to market changes and new information using models that are updated rapidly Improve the quality, speed and efficiency of your analysis processes Key features Ability to generate complex, industry-leading predictive models Numerous options for statistical analysis and diagnosis Saddle builder functionality for in-depth analysis of factor interactions Ability to find hidden complexities within data Comparison and testing of multiple models to ensure consistent model reliability Interactive impact analyses of the differences between models 4 towerswatson.com

5 Classifier Classifier provides a clearer understanding of the effect of location on risk. Our clients around the world benefit from more accurate and robust assessments of likely claims cost and policy-level profitability across different geographical areas. The insight that Classifier provides can also improve the return on investment of marketing campaigns by enabling more accurate regional targeting. Pin point pricing Classifier s advanced features, combined with the ability to integrate extensive external information such as geo-demographic data, enable better risk assessment in areas where historic claims experience is sparse. In highly developed markets with increasingly competitive distribution channels, Classifier greatly reduces the scope for pricing anti-selection. Since geographic rating varies considerably between insurers, even where analyses are based on large data volumes, it potentially gives you an edge over competitors in exploiting these differences to set profitable prices. Business benefits Improve price accuracy and competitiveness through better geographical analysis Increase confidence in writing business in areas with little claims history Strengthen communications between analysts and underwriters Increase marketing effectiveness through better regional targeting Key features Models geographic risk relativities at postcode or micro-zone level Sophisticated mapping techniques enable you to visualise risk easily Data can be imported from external sources to supplement claims history Flexibility of clustering techniques to deliver level of granularity required Powerful diagnostics ensure accurate results Figure 02. Classifier s mapping and graphing facilities help users to interactively identify geographic risks and effects pricing software 5

6 Radar The Radar product family enables you to fine tune risk selection, customer acquisition and renewal strategies, and competitive positioning. Radar Base Radar Dashboard Radar Optimiser Radar Live Figure 04. Calculations and reports Enlightened pricing Radar Base is the core product and provides the platform for a broad range of activities from providing powerful management information, developing business plans, summarising results of risk modelling work and competitor analysis, through to detailed rate-setting models for individual insurance products. The optimisation elements of Radar Optimiser enable you to understand more fully the impact of pricing on customer buying behaviours in order to overlay your specific profit and volume objectives. Live versions of both Radar Base and Radar Optimiser are available for real-time calculations. Business benefits Enable informed pricing strategy development, underpinned by robust analysis of alternatives Model the impact of potential pricing decisions on volume, profitability and other performance metrics Highlight weaknesses and cross-subsidies in current pricing structures Reduce the risk of pricing anti-selection Allow sophisticated competitor monitoring and analysis Enable sophisticated demand-based price modelling founded on real world, practical business constraints such as capital availability Support real-time decision making Support the alignment of the pricing and marketing functions through common customer value metrics and behavioural models Figure 03. Radar Optimiser dashboards Radar Base provides: Collation of pricing technical models in a single, consistent environment Construction and comparison of pricing structures and strategies The ability to import a wide range of data and models for scenario testing Powerful reporting and report design capability Direct creation of files for Emblem Visibility of intermediate values in calculations Additional components of Radar Optimiser include: User-defined optimisation objectives that directly address strategic targets, such as profitability, retention and premium volume, while achieving multiple portfolio level constraints A powerful algorithm based on customer value concepts that is tailored to the insurance sector but which can be adapted to other financial services products Suitability for use across multiple product lines and distribution channels, particularly for those with high volumes of customers and pricing data Powerful diagnostic capabilities for sense-checking optimised prices prior to implementation The ability to integrate individual policy-level pricing promises Identification of efficient frontiers, enabling the evaluation of alternative strategic outcomes Support for multiple organisation time horizons and multiple product cross-holdings, including instalment arrangements 6 towerswatson.com

7 Pricing consultancy services Duncan Anderson Global Head P&C Pricing and Product Management The understanding of the practical pricing issues faced by our clients, which we have gathered in the course of our consultancy work, has been instrumental in developing our software products. So, whilst our software enables many clients to address pricing challenges within their own teams, many clients opt to continue to use our consultancy services alongside our software to help them apply approaches and strategies to make them more profitable and more secure. Many of our practice leaders and professionals are recognised internationally for their work in P&C pricing. We can help you through the entire price management process, from technical analysis through to strategy development and business planning. pricing software 7

8 Software portfolio provides sophisticated risk, analytics and consulting solutions that help P&C and life insurers meet the rapidly evolving demands of today s market. s software offerings provide a truly comprehensive portfolio of analytical software. We combine innovative actuarial thinking with software expertise to develop comprehensive solutions that measure value, manage risk and safeguard solvency. Pricing software Our software tools enable you to plan, manage and optimise your pricing process. Used independently or with our consultancy services, these tools are powerful additions to your business. Financial modelling software Clients in more than 30 countries leading P&C and life insurance companies, multinationals, pension funds, mutual funds and asset managers use our systems for enhanced risk and capital management. Emblem Classifier Igloo ResQ Radar Base Radar Dashboard MoSes RiskAgility Radar Optimiser Radar Live RiskAgility EC Replica Marketing analysis software Optimise media and advertising spend to defined sales and marketing objectives using granular actuarial techniques. Standard Formula These additions to our established capital modelling solutions aim to simplify the challenges of calculating the Solvency II Standard Formula SCR for life, P&C and composite insurers. MediaOptimiser RiskAgility SF Igloo For more information, contact your local office or us at is represented in the UK by Limited and Capital Markets Limited. The information in this publication is of general interest and guidance. Action should not be taken on the basis of any article without seeking specific advice. To unsubscribe, with the publication name as the subject and include your name, title and company address. About is a leading global professional services company that helps organisations improve performance through effective people, risk and financial management. With 14,000 associates around the world, we offer solutions in the areas of benefits, talent management, rewards, and risk and capital management. Copyright All rights reserved. TW-EU April towerswatson.com

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