PLATFORMS

Advice that ships as software.

The methods we use on engagements are built into two platforms, so a client keeps the model as well as the report.

LOSS RATIO SPLIT · SAMPLEPLATFORM 01

ATTRITIONAL58%

LARGE LOSS24%

CATASTROPHE12%

SAMPLE PORTFOLIO ATOTAL LOSS RATIO 94%

Universe

The reinsurance pricing workbench.

Pricing workflows for proportional and non-proportional treaties, loss development, large-loss and catastrophe curve fitting, and portfolio intelligence, in one place.

TREATY PRICING DEVELOPMENT FACTORS CURVE FITTING PORTFOLIO INTELLIGENCE

PLACEMENT PIPELINE · SAMPLEPLATFORM 02

CEDANT DATARECEIVED
EXTRACTIONCOMPLETE
CANONICAL MODELMAPPED
RENEWAL PACKASSEMBLING

Broker IQ

Placement, from raw data to renewal pack.

A treaty placement tool for reinsurance brokers. Cedant submissions are extracted into one canonical data model, then assembled into a renewal pack ready for market.

TREATY PLACEMENT DATA EXTRACTION RENEWAL PACKS

INSIDE UNIVERSE

Four screens an underwriter lives in.

Screens from the working platform. No client names appear.

universe / home

Screenshot of Universe's treaty home dashboard. A top bar offers Dashboard, Reinsurer Analysis, Portfolio Intelligence, Renewal Pack, Quick Benchmark, Workbench and Export Portfolio. A welcome panel has buttons to assess a proportional treaty, assess a non-proportional treaty, renew a treaty and quote a treaty. A modelling overview shows nine counts of treaties by stage, from drafts through waiting for approval to signed, and below it premium against target for the Middle East, Africa, Asia, Europe and the Americas.

Treaty dashboard. The underwriter's home page: start, renew or quote a treaty, see every treaty by stage, and track premium against target in each region. Swipe the screen sideways to see all of it.

UNIVERSETreaty DetailTrianglesDev FactorsLarge LossesCat LossesPricingSample treaty

QUOTA SHARECEDANT Demo CedantCOUNTRY Demo MarketCOB PropertyBROKER Demo BrokerCCY USDUW YEAR 2026DRAFT

▸ Loss & Cost Drivers

Attritional LR52.0%

Large Loss Load8.4%

Cat Loss Load4.1%

Commissions27.5%

Brokerage2.5%

Taxes1.5%

Balance4.0%

Total Premium · 100% Share

USD

25,000,000

100% Limit60,000,000

Commission27.5%

Retention %40%

Profit Comm.20%

Retention Amt24,000,000

Mgmt Expenses5%

Event Limit120,000,000

Taxes1.5%

ACT. MARGIN4.0%

▸ Profitability & Ratios

Actuarial CR96.0%

Actuarial Margin4.0%

UW CR94.5%

UW Margin5.5%

Worst LR81.2% 2021

EPI SplitProperty55%Engineering25%Marine20%

Large LossesCAT LossesRisk ProfilesClaims ProfilesCresta Aggregates Cedant SummaryChecklistInternal MetricsTreaty MetricsCompare Terms

Underwriter Comment

Pricing rationale…

↓ Export ExcelOffer TreatyDecline

Pricing page. Loss drivers, treaty structure and profitability for the whole treaty on one screen, colour-coded against the thresholds an underwriter cares about. Swipe the screen sideways to see all of it.

Screenshot of Universe's frequency-severity analysis for large losses. Tabs choose between Pareto, Lognormal, Exponential and Weibull. A severity model panel lists the fitted Pareto parameters with a plain-language note on each, beside a Poisson frequency model panel. Below are a severity curve with the fitted Pareto density over an empirical histogram, and a frequency curve of the probability of each number of losses per year.

Pareto curves. The frequency-severity analysis: a fitted Pareto severity model beside a Poisson frequency model, each parameter explained in plain terms, with both curves drawn beneath. Swipe the screen sideways to see all of it.

Offer share modal. The underwriter sets the share to write, checks it against authority and an AI-suggested line, and sends it for approval through a four-eyes workflow. Swipe the screen sideways to see all of it.

Bring us the treaty that won't price.

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