Kompreno
Business Planning
Made Easy.
A sophisticated decision tool designed to make insurance business planning easy. Move beyond static models with a dynamic scenario engine built for speed and insight.
Business planning is hard
Accurate business planning is hard for insurers. Current approaches are either too simple, and the results aren't credible, or too complex so the questions don't get asked.
Typical approaches
- Back of the envelope or heuristic methods
- Build a one-off spreadsheet and cross your fingers
- Capital modelling, if you have one, and have time and money
Simple questions can be hard to answer
Loss Ratio Deterioration
What happens to if our loss ratios deteriorate in certain business lines?
Capital Adequacy
What does a 1 in 10 or a 1 in 50 year result look like? How does that change if we restructure our reinsurance?
Business Opportunities
If we grow a volatile business line, what does our tail risk look like?
This means that
Strategic decisions are made with less rigour than they deserve.
How it works
Kompreno — a structured
decision tool
Kompreno bridges the gap between spreadsheets and capital models. Built for the way market practitioners actually think.
Simple to set up
Import your business lines and reinsurance data. Choose occurrence, payout, and development patterns from a standard library. Just like that your model is ready to work with.
Build your base scenario
Import your business lines — premium volumes, loss and expense ratios. Pull development patterns from your capital models or pick from the standard library. Your book, modelled as it stands today.
Run projections instantly
Choose a time horizon, press Go. Full monthly financial statements — balance sheet, P&L, cash flow. Practically instantaneous, even for complex books.
Compare and decide
Tweak ratios, add or remove lines, re-run. See the difference against the base case immediately.
Sophisticated reinsurance modelling
Because reinsurance plays such an important role for both profitability and risk appetite we have built in a sophisticated reinsurance modelling functionality.
Flexible treaty design
Kompreno covers all types of reinsurance. Simply attach business lines to treaties as you need. Kompreno captures complex inuring relationships between business lines and treaties.
Extreme losses
Choose distributions from a standard library, use your own experience, or import data from a catastrophe model — understand how your book behaves under any loss scenario, especially in the tails.
Quota share
Configurable commission rates, sliding scale and profit commissions.
Excess of loss
Attachment points, limits, reinstatement provisions.
Stop Loss
Attachment, limit and loss ratio triggers.
Programme design
Support for inuring across treaties and lines of business.
Monte Carlo Simulation
Stochastic Modelling Baked In
Deterministic models rely on a single best estimate plus a safety margin. Kompreno moves your team to a stochastic reality — see the full distribution of potential outcomes and make decisions with genuine confidence.
Full distribution
Model your current book before and after strategic changes — from the expected outcome, through moderate stress at the 1-in-10 or 1-in-50, right out to 1-in-100 and 1-in-200 year events.
Performance
10,000 simulations complete in seconds. Each produces a full set of monthly financial statements — enabling deep introspection into exactly how each outcome was reached.
Correlation & Copulas
It’s all about the tails
The expected loss is rarely the dangerous one. What destroys capital is the correlation of extreme events — when multiple lines move together in the tail, aggregate losses can dwarf any single-line estimate.
Kompreno models dependency structures using copulas, capturing the non-linear relationship between lines of business that only materialises at the extremes. The result is a realistic view of your 1-in-100 and 1-in-200 aggregate exposure — not a scaled-up average.
Scenario analysis
Vary anything. See everything.
Compare strategic paths side-by-side to find the right trade-off for your capital position.
Change a business line, restructure your reinsurance programme, stress a loss ratio — Kompreno recalculates the full picture instantly. Dynamic insights that were simply not available before.
Mean and tails
Strategic decisions look different at the mean than in the tails. Kompreno shows you both — so you know exactly what you're accepting.
Optimise your risk appetite in minutes, not months.
AScenario: high growth
Aggressive top-line expansion with higher volatility. Visualise the strain on capital ratios during catastrophic years.
BScenario: capital efficiency
Focus on margin protection and ceded risk optimisation. Model the impact of reinsurance spend on stable, predictable ROE.
Kompreno - Who is it for?
Kompreno makes understanding your business easy and can be used by everyone.
Capital & earnings visibility
Chief Finance Officers
Understand how underwriting strategies affect your solvency position before the board meeting. Every balance sheet balances to the penny.
- Cash flow projections month-by-month
- Solvency II ratio stress testing
- Audit-ready GAAP format financial statements
Risk-return precision
Chief Underwriting Officers
Compare risk-adjusted returns across competing strategies. See how portfolio mix changes affect the full distribution of outcomes — not just the mean.
- Line-of-business weighting analysis
- Rate change impact modelling
- Side-by-side strategy comparison
Treaty design & optimisation
Reinsurance Managers
Model quota share, XOL, and stop loss structures side by side. Evaluate cost versus protection at multiple return periods before the placement conversation.
- Attachment points, limits, reinstatements
- Inuring relationship support
- 1-in-10 to 1-in-200 cost/benefit view
Reproducible technical analysis
Actuaries and Modellers
Build projection models with your own loss development factors and emergence curves. Every output is traceable and verifiable by a third party.
- R-based stateless calculation engine
- Custom development pattern inputs
- Monte Carlo with copula correlation
Kompreno — when you need rigour without the mortis.
Ready for Kompreno?
See it in action today - get in touch and see a demonstration in real time.