Reserve Review
Every open claim’s reserve tested against its file each quarter, with gaps explained before anyone asks.
Why it matters
Reserve reviews cover a sample of large claims; stale and short reserves elsewhere surface as adverse development that actuaries and auditors question months later.
How the solution handles it
Five agents summarise the latest facts in each open file, estimate exposure from bills, damages and limits, compare the case reserve with similar claims, flag stale or short reserves and write a cited rationale. A claims manager approves every reserve change, feeding statutory Schedule P and IFRS 17 reporting.
How a reserve review moves
Five specialist agents summarise, estimate, compare and explain each open claim; a claims manager approves every reserve change.
What it reads, and what it hands back.
What goes in
- Open claim files and notes
- Medical, repair and damages reports
- Payment and reserve history
- Reserving guidelines
What comes out
- Reserve change list with rationale
- Cited reserve note per claim
- Development watch list
- Audit trail of approvals
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“Target” = design goal, measured in the live solution · agents = the live solution’s configuration
5 specialist agents. One person decides.
More in this division.
Every first notice of loss read, scored and routed to the right adjuster within the hour.
Coverage LettersEvery coverage question answered from the policy wording, with a cited letter drafted for counsel.
Litigation ReviewEvery suit summarised and every legal bill checked against your guidelines before it is paid.
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