Perspectivas Actuariales

Spreadsheets have long been the go-to tool for actuaries—familiar, flexible, and seemingly sufficient. But as actuarial models grow more complex and demands for accuracy and transparency increase, these once-reliable tools may be introducing more risk than reward.

Estimating insurance loss reserves is a foundational function for determining an insurer’s financial stability. Yet the process is too often hampered by manual tasks and outdated technology, which hinder progress at nearly every turn.