Insurance

Life and non-life insurers retain Tacitude. Their pricing, distribution, claims and risk teams open projects on repricing, the shape of the book, channels, claims operations and reinsurance.

Claims costs move with inflation, weather events and repair prices, and capital requirements set how much risk each line can write. Distribution is shifting across agents, brokers, banks and direct channels, and each channel has its own economics.

Projects companies bring us

  1. Which product lines should we reprice at renewal, and by how much?

    Loss ratios by segment and how retention responds at each price level.

    EngagementPricing and profitability

  2. Should we keep, reunderwrite or exit our commercial motor book?

    The capital the book ties up against the return it earns over the underwriting cycle.

    EngagementPortfolio and capital

  3. Where should we sell home insurance: through partner banks or our own direct channel?

    Commission cost, retention and claims experience by channel.

    EngagementGo-to-market and sales

  4. How should we redesign claims handling, and which steps do we automate, outsource or keep in-house?

    Cost per claim, time to settle and overpayment at each step.

    EngagementCost and productivity

  5. How would a run of severe storm seasons affect our solvency, and what reinsurance should we buy?

    Our exposure by region, the loss scenarios we model and the cost of each reinsurance structure.

    EngagementRisk and resilience

Example projects. Each engagement starts from your own objective or question.

Data your team typically brings

  • Policies and premiums by line and segment
  • Claims history and loss ratios
  • Renewal and lapse rates by channel
  • Commission terms by distributor

Bring us your project

Write to hello@tacitude.com with the project your company has in mind, and we will frame it with your team as an engagement.

hello@tacitude.comNext industry Asset and wealth management