Personal Lines Pricing
The right pricing framework is pivotal for every insurer to meet their profitability and market-share targets. To achieve this, we offer trusted actuarial expertise, capable of providing effective pricing solutions — all tailored to our clients’ business requirements.
What we offer
Enhanced predictive power
Our experienced actuaries can build high-quality predictive models, enabling you to capture the risk-profile of each segment of your business, optimise pricing, improve competitiveness and enhance bottom line benefits.
Longevity swaps
Our experienced actuarial team specialises in RFQ preparation and quote analysis, and offers insightful feedback against a benchmark basis via cashflow modelling.
Balancing simplicity and sophistication
Our pricing solutions are an optimal blend of sophisticated modelling approaches like GLMs, GAMs and ML-based models, coupled with a user-friendly interface. We have an internally built, easy-to-use, GLM-based pricing tool which can handle oddities like nil claims and zero-inflated data.
Rate monitoring and profitability analysis
We have a track record of developing elegant dashboards that can facilitate easy monitoring of client’s claims experience and profitability metrics. This enables us to assess rate adequacy and spot areas of the business with potential concerns / room for improvement.
Fine-tuning clients’ models
You can rely on our deep actuarial skillset and industry knowledge to refine your current pricing models. We’ll update assumptions, integrate with predictive analytics, and bridge any gaps in the current framework to improve underwriting results.
Client centric culture
A client centric culture is central to our business. Our solutions come with clearly written user-manuals and committed after-sales support, which all combine to enhance the user experience and help you meet your targets for success.
Why choose 4most?
70+ actuaries
With generations of regulatory expertise between them. We understand all the metrics for success within the insurance world.
Trusted 100%
Our track record speaks for itself. In our most recent Client Satisfaction Survey, every single one of our clients recommended us.
Tailored to you
We take the time to understand your unique challenges so that we can deliver bespoke solutions that truly make a difference.
True specialists
There’s experts, and then there’s specialists. We live and breathe risk analytics consulting every day, which means we stay in tune with the latest trends.
Key contacts
Naomi Venables
Padraic Clarke
“4most’s consultants have fit seamlessly into our team, enabling reduction of critical paths and a clearer route to project completion. Their approach to collaboration is a breath of fresh air.”
