RMS

RMS - Solutions: Risk Transfer

Solutions: Capital Management

Beyond Solvency II:
The Future of Capital Management

20 Years of Evidence

RMS has been innovating in the risk management industry for more than two decades, providing the capital management tools relied on by the large majority of the property and casualty industry.

Scientific Integrity & Rigor

Objective evidence of the underlying risk processes forms the analysis philosophy behind RMS models. Diligence in gathering data and applying rigorous interpretation is the hallmark of RMS science.

Independent & Impartial

RMS provides risk analysis. Pure and simple. We don't act on behalf of any party. We have no vested interests. The assessment of risk that we provide is based on a fresh analysis of all the data. Even if this goes against established market practices.

Solvency2

Solvency II

Providing Better Internal Models for
Use in Solvency II

Solvency capital requirements need rigorous and evidence-based analysis. RMS provides its models for use as internal models by clients to satisfy their Solvency II compliance. Using detailed internal models ensures that solvency capital requirements are exactly matched to the portfolio and risk of the company - no more and no less.

RMS model documentation is fully compliant with Solvency II model validation requirements.

  • Excess Mortality
    1-in-200 SCR
  • Mortality / Longevity Correlation for
    SCR reduction
  • Longevity Risk SCR

The Next Generation of Capital Management

RMS models are designed for incorporation into a company's business management processes. By making it easy to run analysis and organize data, a company can monitor its risk positions at frequent intervals, respond to change, and optimize its risk management strategy.

Multi-Faceted Capital Allocation

Objective and standardized benchmarks for assigning capital to business units and geographies

New Product Design

Design new insurance products and explore promising markets with new perspectives on the risk

Data Quality

A strong emphasis on high quality data enables confidence in risk assessments

Risk Transfer Intelligence

Provide analysis support for mitigation of capital requirements through cost-effective risk transfer transactions

Timely Insight into Risk Positions

Operationalizing the models enables the risk to be quantified frequently for senior management monitoring

A Legacy of Trust

Trusted by Regulators

RMS models have been used by our clients for demonstrating regulatory compliance for the past 20 years. RMS supports clients by working with them to prepare justifications, and working with regulators to explain modeling approaches

RMS models used for successful support of rate filings since 1992 with all of the State Departments of Insurance across the United States

RMS maintains a Solvency II team to work with regulators on model compliance and technical review

RMS was the only modeling company to be invited to contribute to the QIS4 review panel by UK FSA for Health scenarios in Solvency II

A dedicated RMS team works through an annual model certification process with the Florida Commission on Hurricane Loss Projection Methodology in U.S.

Trusted by Rating Agencies

RMS has worked with all the major rating agencies in the financial risk rating of insurance transactions to the capital markets. RMS justifies its models and provides sensitivity analyses to enable the agencies to give a successful rating to the transactions. RMS often discusses new investment instruments with the rating agencies in advance.

Standard and Poor logo Best logo Moodys logo Finchratings logo
Trusted by the Insurance Industry

Our clients are our strongest critics and reviewers. For 20 years we have been passing the test of whether RMS models provide a view of risk that insurers can use to run their business. RMS clients number the leading, largest and most innovative companies in the insurance industry.

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Voted by our clients as Risk Modeler of the Year 8 times in past 10 years