Underwriting
Which risks you accept and on what terms, covering both the selection models and the rules that turn a submission into a decision.
Insurance
Risk
Which risks you accept, how you price the risk, what you reserve and how the claim is handled.
Insurance Risk Services
Pricing
The technical price, the price you go to market with, and what the policyholder does after the business is written.
Reserving
What you owe on business already written, projected to ultimate with the uncertainty quantified, and your actual experience tested against what was assumed.
IFRS 17
The measurement models behind your policyholder liabilities, and the disclosure and board reporting that come out of them.
Claims
How a claim is predicted, triaged and settled, and what the board sees about frequency, severity and development.
Specialist Lines
Books where the risk is longevity, property or a state the policyholder occupies rather than a single event, and the reinsurance behind them.
Frequently Asked Questions
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At Gini we work across the lifecycle: technical pricing with frequency and severity models for general lines and mortality, morbidity and persistency for life, health and protection, reserve models projecting claims to ultimate, IFRS 17 measurement and the disclosures that come off it, and the dashboards reporting the contractual service margin, the risk adjustment and reserve movements to the board. Models are built from scratch or independently validated.
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Yes. Gini measures IFRS 17 under the general measurement model, the variable fee approach and the premium allocation approach, with disclosures generated from model output and dashboards reporting the contractual service margin, the risk adjustment and what moved each since the last close.