What-if
BETA
Tool
Admin
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Book of Business and Annual Assumptions
Prior Year Policy Count / Premium $
$100,000,000
New Business %
%
#
%
10.00%
Attrition % (Retention: 90.00%)
%
-10.00%
Gain (Loss) %
0.00%
0.00%
New Policies
10,000
10,000
Renewal Policies
90,000
90,000
Total Policies
100,000
100,000
Avg. Premium/Policy
$
1,000
Underwriting Expenses
U/W Expense Ratio: New
%
35.00%
U/W Expense Ratio: Renew
%
30.00%
($3,500,000)
($3,500,000)
($27,000,000)
($27,000,000)
Claims
Loss Frequency New
%
8.00%
Loss Frequency Renew
%
5.00%
Mix Adjusted Frequency
5.30%
5.30%
Loss Severity
$
$11,000
Claim Count
800
800
+
4,500
4,500
5,300
5,300
Claims/CR/Month
20.0
Number of CRs
22.1
22.1
Cost $ Per CR
$
$140,000
Year 1 Results
Earned Premium (=GWP)
$100,000,000
$100,000,000
+ Investment Income
$300,000
$300,000
- U/W Expenses
($30,500,000)
($30,500,000)
- Insurance Claims
($58,300,000)
($58,300,000)
- Claims: Variable
($6,191,667)
($6,191,667)
- Claims: Fixed
$
($3,400,000)
+/- Other (Income/Expenses)
$
$0
= Operating Profit
$1,908,333
$1,908,333
Expense Ratio
30.50%
30.50%
-58.30%
-58.30%
-6.19%
-6.19%
Loss Ratio
-3.40%
-3.40%
67.89%
67.89%
Combined Ratio
98.39%
98.39%
Op.Profit:Year 5
$1,908,333
$1,908,333
Investment Configuration
Investment Return %
%
3.00%
% of Premiums in Investments
%
10.00%
Claims Variable
Claims Variable: ULAE
%
-0.10%
Claims Variable: ALAE
%
-3.00%
Scenario Management
Viewing Options
Show Starting Values
Show Snap Variables