The ability to continuously meet financial obligations is crucial to an insurance company’s reliability in the eyes of regulators, consumers, and rating agencies. To help you maintain a healthy threshold for solvency, ESKA Life contains powerful calculation engines that aggregate the risks and claims you are insuring to pinpoint your required reserve and provision sums.

Determining an adequate reserve and provisions sum for solvency varies depending on the risk of individuals you insure in addition to laws and regulations. ESKA Life can flexibly calculate any variable across your actuarial tables to help you determine adequate rates for the various events you insure.

These probabilities are then paired with customizable formulae that set reserve rates for any product type in your portfolio. All actuarial tables are definable by you and loadable via pre-formatted Excel templates.

By precisely determining your provisions and reserves demands, ESKA Life lets you narrow your contingency margins and price your products for better competitiveness and reliable profitability.

With time-efficient application tools and uploading processes for importing information, ESKA Life altogether provides you powerful features for managing scalable and well-informed group policies.

Define or upload your multi-dimensional actuarial tables.

Wield comprehensive formulae to calculate the necessary reserve for each business and product type, using the actuarial formulae creator.

Conduct reserve calculations at any time to get an up-to-date solvency assessment for specific policies and your overall operation.

Standardize your information with pre-formatted Microsoft® Excel® templates.

Reserves and Provisions