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Ratemaking is anything but static. Many factors such as government policy, changing demographics, population growth or decline, etc., impact pricing variables. More than ever it's important to evaluate current pricing structures and values frequently to maximize performance and minimize adverse selection.

Reserving is the estimation of accruals for unpaid losss and loss adjustment expenses at a given point in time. This is generally the largest liability an insurance company incurs this accrual has a very significant impact on income and the company's value. Estimation of ultimate losses is essential for both pricing and reserving. These projections should be done on a frequent and consistent basis to identify needed rate and market corrections. ​

Product Management remains a deceptive term. It tends to mean different things to different people and organizations. At its 'simplest'... it's the work of understanding your customers and markets. ATG can assist your team in ensuring your products are aligned effectively and are designed to achieve the desired results.​

Predictive modeling is widely used by the larger insurance carriers. It is critical smaller companies take advantage of these improved pricing techniques. Although predictive modeling is a science, it's also an 'art.' Strong predictive modelers are in short supply. ATG has mastered this analysis over the last several plus decades and has developed one of the few software tools designed for insurance applications. The main benefits of predictive modeling are 1) more accurate pricing results since all rating factors are analyzed and optimized simultaneously, and 2) new rate structures can be analyzed easity, thus making more dynamic rate structures and segmentation more achievable.. ​