Use Cases

The Decision Science platform for life and health insurers

The Montoux platform uses AI-driven optimizations leveraging a unique combination of data science and actuarial science to enable life and health insurers to make data-driven decisions.

Actuarial Modeling

  • Modeling capabilities for reserving, asset and liability management, pricing, capital and financial projections
  • Model development environment that is easy to adopt and balances flexibility and control
  • Transparent models
  • Actuarial and data science models in the same environment
  • Connect to other systems through native APIs
  • Granular customer analysis enabling more customer centric products and services

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Model Replication and Migration

  • Reduces a 6-12 month actuarial process to days
  • Requires only inputs and outputs from the legacy model
  • Moves models from legacy on-premise systems to elastic and scalable cloud infrastructure

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Valuation

  • Configure automated reporting for key standards including IFRS17 and LDTI
  • Reduce risk and effort in valuation processes by removing manual data transformation tasks
  • Remove “handoffs” between teams to create seamless valuation runs
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Pricing

  • Automate frequent pricing scenarios and assess different pricing strategies and their impact
  • Determine optimal rate settings for both new business and in-force blocks
  • Visualize competitor pricing and relative market position
  • Better understand price-to-sales and price-to-lapse elasticities

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Automated experience study

Experience Studies

  • Automate data retrieval, transformation and validation checks
  • Flexible slice and dice analysis
  • Monthly monitoring

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Automated experience study

Competitor Rates Monitoring

Competitor rates monitoring  enables life insurers to understand market rates and analyze competitive position faster and easier than ever before.

Do you know how each of your price and product changes will impact your competitive position before you make them?

  • Create market segments to define the competitive landscape
  • Observe the market from a competitor’s viewpoint
  • Define target metrics - rank and premium-based
  • Compare premium and ranks dynamically across different date ranges
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New business performance monitoring

New Business Performance Monitoring

Are you managing distribution and sales performance through gut-feel or data?

  • Combine competitor analysis, market share, and quote activity
  • Move from a distribution channel view to a granular customer and distributor lens
  • Provide sales teams access to specific, timely, and clear insights

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New business performance monitoring

LTCI Wellness Management

Are your LTC claims costs higher than expected?

LTCI carriers are actively investing in wellness and age-at-home initiatives - however, most carriers don't know which wellness initiatives to target at which policyholders.

Montoux believes that the LTCI industry needs to adopt a Decision Science approach to tackle this multi-billion dollar issue.

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