What is Alquid Insurance?

Alquid Insurance is a specialized solution within the Alquid platform that allows companies to measure, project, and optimize earnings, capital, solvency, and liquidity under a unified framework of data, models, and scenarios. It integrates Asset and Liability Management (ALM) with accounting and risk, offering a cross-functional view from the most granular level (policy or contract level) up to executive reporting.

What is it used for?

The platform empowers actuarial and financial teams to evolve from reactive regulatory compliance to proactive, forward-looking business management. Its core functional capabilities include:

• IFRS 17 - IFRS 9 Integration: Connects the measurement of technical liabilities (BEL, Risk Adjustment, CSM) with financial asset management, reducing accounting volatility.

• Asset and Liability Management (ALM) in Local GAAP and IFRS: Projects joint asset and liability cash flows, analyzing duration mismatches, interest rate and inflation sensitivity, and liquidity gaps.

• Regulatory and Economic Capital Optimization: Evaluates the direct impact of strategic decisions on capital consumption and solvency.

• Strategic Asset Allocation (SAA): Designs optimal portfolios aligned with liability metrics and profitability targets.

• "What-If" Scenario Simulation and Stress Testing: Runs instant analyses on shocks to interest rates, inflation, claims experience, or market composition shifts.

Key Benefits for Insurers

• Unified View for Executive Leadership (C-Suite): Brings together Risk, Finance, Actuarial, and Investment perspectives into a single consistent and comparable dashboard.

• End-to-End Granularity and Traceability: Guarantees full auditable control, allowing drill-downs from top-level reporting to source data or individual contracts.

• Cloud Speed and Performance: Powered by distributed parallel processing, enabling complex stochastic and deterministic projections in minimal calculation times.

• Flexibility Without Vendor Lock-In: Empowers business teams to configure models, yield curves, accounting rules, and scenarios with full agility.

Managing the insurance business is no longer just about reporting past data, but about anticipating and shaping future outcomes. Alquid Insurance turns regulatory mandates and market complexity into strategic management capabilities.

By unifying technical and financial metrics under a single projection engine, Alquid Insurance empowers insurers to make better-informed decisions, optimize capital consumption, mitigate risks, and secure sustainable profitability in volatile environments.