ACTUARIAL TOOLS

See how loss performance develops over time, compare results across meaningful segments, and identify where experience is improving or deteriorating. The Loss Ratio Curve helps you move beyond a single aggregate loss ratio by showing how performance changes across cohorts, products, dealers, vintages, or other dimensions in your data.

Track how cancellations develop over time, compare performance across cohorts, and identify where retention begins to weaken. Cancellation Curves help you see differences by product, dealer, administrator, lender, payment term, vintage, or other dimensions in your data so you can spot patterns that are easy to miss in aggregate reporting.

See how quickly prospects respond after outreach, compare response patterns across campaigns and segments, and identify where timing or audience differences are affecting performance. Marketing Response Curves help you evaluate results by mail date, campaign, lead source, customer segment, vintage, or other fields in your data so you can compare response behavior on a consistent basis.

See when claims begin to emerge, how frequently they develop over time, and where one segment is behaving differently from the broader book. Claim Frequency Curves help you compare claim patterns across products, dealers, vehicle groups, vintages, or other dimensions in your data so unusual timing or concentration becomes easier to identify.

See how individual performance compares across teams, locations, or other groups and identify where results are consistently stronger or weaker. People Curves help you compare performance patterns across employees, producers, managers, stores, or other people-based dimensions in your data so differences become easier to see and investigate.

See how customers move through the lifecycle over time and identify where growth is being driven by retention, expansion, contraction, or churn. The Retention Analysis Tool helps you measure metrics such as NRR and CRR while comparing performance across cohorts, customer segments, products, acquisition sources, or other dimensions in your data.