Henselian for insurance
Know what inflation does to your claims, before it does it.
Insurers live with long promises. Henselian lets your team test them against thousands of futures, member by member and claim by claim, in the time it takes to ask.
What insurance teams ask us first.
- 01
Price a pension buy-in, member by member
Every member valued on every future, so the price you quote is the price you can stand behind.
- 02
See your solvency in a one-in-200 year
Coverage, capital and the reasons behind them, with every policy revalued in every stress.
- 03
Test reserves against every open claim
Each claim developed on its own path, so the tail is something you measured, not guessed.
Models you can start from.
Each one runs on a made-up book shaped like a real one. Yours replaces it when you are ready.
- Bulk annuitiesA buy-in price, member by memberPrice, best estimate and the 1-in-200 longevity view for a scheme, every member valued on every path.
- Bulk annuitiesCapital by full nested simulationA year of real-world risk, then the whole book revalued at its end. The 1-in-200 capital with no shortcut.
- Life and pensionThe whole book, every member projectedThe best estimate and the cost of the guarantees on real-world paths, every member on every path.
- P&CMotor renewal, a premium for every policyEach policy's indicated premium, its capped change and who the caps leave under- or over-priced.
- P&CWindstorm losses, location by locationEach year's largest windstorm over every insured location, with the average annual loss and the 1-in-200.
- Model validationChecking the scenarios and the book, record by recordThree independent checks, from the scenarios themselves to every member against a recomputation.
How we start
Bring us a problem. We will run it with you.
- 01
We read it
Someone who builds the engine reads what you wrote, then calls you to ask what we need to know.
- 02
We model it
We rebuild your question on a made-up book shaped like yours, so no data has to leave your hands.
- 03
We run it with you
At full size, in front of you, changing it while you watch. Then you decide whether to run it on your own data.
We cannot prevent every storm. We can help you prepare before it arrives.
Bring us the simulation your organisation wishes it could run faster. We will show you what is possible, on a book shaped like yours.