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AI Tools for Reinsurance Analysts
AI tools that help reinsurance analysts model treaty structures, research cedent portfolios, analyze catastrophe loss data, track market pricing, and prepare underwriting submissions.
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Jan 2026 US property cat rates
+5–12% on loss-affected programs, flat to +3% on clean accounts
Capacity
Total market capacity stable at ~$600B · Bermuda discipline maintained
Secondary perils
Elevated 2025 losses from convective storms and flood driving increases
Florida market
June 2026 renewal: 8–15% increases expected on cat-exposed programs
ILS alternative
Cat bond spreads tightened 40–60bps Q1 2026 on strong investor demand
Catastrophe loss and peril research
Research historical catastrophe events, insured losses, and natural peril trends to support treaty pricing, exposure analysis, and cat model calibration. Stay current with emerging perils like wildfire and flood.
Compile insured loss statistics for Atlantic hurricanes from 2015–2025. Include number of events, total insured losses, and the top 5 costliest storms.
Compiled: 147 named Atlantic storms 2015–2025. Total insured losses: $412B. Top 5: Harvey 2017 ($68B), Ian 2022 ($60B), Irma 2017 ($52B), Maria 2017 ($31B), Ida 2021 ($28B). Average annual insured loss: $37.5B, vs $12B for 1990–2014 period.
ToolRouter research
Named storms (2015–2025)
147 total
Total insured losses
$412B
Top loss — Harvey 2017
$68B insured
Top loss — Ian 2022
$60B insured
Avg annual insured loss
$37.5B vs $12B for 1990–2014
Reinsurance market pricing research
Track pricing trends, capacity dynamics, and rate movements across key reinsurance lines and programs. Understand where rates are hardening or softening to inform treaty negotiations.
Research reinsurance market pricing trends at the January 2026 renewal. What happened to property cat rates and what are the key drivers?
January 2026 renewal: US property cat rates up 5–12% on loss-affected programs, flat to +3% on clean accounts. Key drivers: continued capacity discipline from Bermuda market, elevated secondary perils losses in 2025, and retained demand from primary insurers. Total market capacity stable at ~$600B.
ToolRouter research
US property cat — loss-affected
+5–12% rate increases
US property cat — clean accounts
Flat to +3%
Key driver
Elevated secondary peril losses in 2025 + Bermuda capacity discipline
Total market capacity
~$600B stable
Primary insurer demand
Retained demand increasing — limited cession of secondary perils
Treaty pricing calculations
Run expected loss, rate on line, payback period, and ROE calculations for treaty structures. Model different retention levels and limits to optimize program design.
Calculate the technical price for a $100M xs $100M per occurrence property CAT program. Expected annual loss: $4.5M. Target combined ratio 85%, expense load 15%.
Technical ROL: 6.35%. At $100M limit, technical premium = $6.35M. Implied payback period: 15.7 years. With 85% combined target and 15% expense load: minimum achievable ROL = 5.29%. Current program pricing is adequate at 6.35% ROL.
ToolRouter calculate
Technical ROL
6.35%
Technical premium
$6.35M on $100M limit
Implied payback period
15.7 years
Target combined ratio
85% · expense load 15%
Minimum achievable ROL
5.29% — current pricing adequate
ILS and capital markets monitoring
Track catastrophe bond issuances, ILS fund flows, and alternative capital market activity. Monitor cat bond spreads and ILS market capacity to understand competitive dynamics.
Summarize catastrophe bond issuance activity and ILS market trends in Q1 2026. What perils and regions saw the most activity?
Q1 2026 ILS: $4.2B in cat bond issuances, tracking above Q1 2025 ($3.8B). Top perils: US wind (45%), global multi-peril (28%), US flood (12%) — first dedicated flood cat bond issued in March 2026. Spreads tightened 40–60bps vs Q4 2025 on strong investor demand.
ToolRouter research
Q1 2026 cat bond issuances
$4.2B — above Q1 2025 ($3.8B)
Top peril (US wind)
45% of issuances
Notable: US flood
First dedicated flood cat bond issued March 2026 — $200M
Spread movement
Tightened 40–60bps vs Q4 2025 on strong investor demand
Capacity outlook
ILS funds up 8% YTD — alternative capacity well-supplied
Cedent and portfolio research
Research the financial strength, portfolio composition, and underwriting quality of current or prospective cedents. Assess regulatory environment in cedent markets for underwriting submissions.
Research MidAmerica Insurance Group as a potential new cedent. Give me an overview of their financial strength, business mix, and any regulatory issues.
MidAmerica Insurance Group: AM Best A- rating (affirmed 2025), DPW ~$1.4B. Business mix: 60% personal lines, 30% commercial, 10% specialty. Two state regulatory actions in past 5 years (rate filing violations, resolved). Combined ratio 98.2% (2025 YTD), improving from 102.4% in 2024.
ToolRouter analyze_company
AM Best Rating
A- (Affirmed 2025)
DPW
~$1.4B
Business mix
60% personal lines · 30% commercial · 10% specialty
Combined ratio
98.2% 2025 YTD · improving from 102.4% in 2024
Regulatory actions
2 state actions past 5 years — rate filing violations, resolved
Natural hazard and exposure monitoring
Monitor ongoing natural hazard events that could trigger treaty losses. Track earthquake activity, hurricane tracks, and flood events in real time to assess potential portfolio impact.
Monitor seismic activity in California and the Pacific Northwest over the past 30 days. Identify any events with Richter magnitude 5.0 or higher.
Past 30 days Pacific Northwest/California: 14 events M4.0+, 3 events M5.0+. Notable: M5.4 near Ridgecrest, CA (March 15, no damage reports), M5.1 offshore Oregon (March 22, no tsunami threat). No portfolio-relevant losses reported. Cascade subduction zone remains quiet.
ToolRouter search_events
DateLocationMagnitude
Mar 15Ridgecrest, CAM5.4
Mar 22Offshore OregonM5.1
Mar 28San Bernardino, CAM4.2
14 events M4.0+ · 3 events M5.0+ · No portfolio losses reported
Ready-to-use prompts
Hurricane loss history
Compile Atlantic hurricane landfall statistics and insured losses for events above Cat 3 intensity from 2000 to 2025. Include state-by-state breakdown for Florida, Texas, and the Gulf Coast.
ROL calculation
Calculate the rate on line, expected loss ratio, and payback period for a $75M xs $25M property catastrophe excess of loss treaty with an expected annual loss of $2.8M and 18% expense loading.
Reinsurance market pricing
Research the June 2026 Florida reinsurance renewal market. Summarize rate changes, capacity availability, and key terms being negotiated for property catastrophe programs.
Cat bond market update
Pull the latest catastrophe bond issuances from the past 90 days. Include issuer, covered peril, expected loss, and initial spread/ROL.
Earthquake monitoring
List all earthquakes magnitude 4.5 or higher worldwide in the past 7 days. Highlight events in areas with significant insured property exposure: Japan, Turkey, California, and New Zealand.
Cedent financial research
Research the financial strength and business profile of Pinnacle Regional Insurance Company. Include AM Best rating history, combined ratio trends, and any regulatory actions in the past 3 years.
Wildfire loss trends
Research California and Western US wildfire frequency, acreage burned, and insured loss trends from 2018 to 2025. How has this changed cat model assumptions for property treaties?
Investment yield tracking
Pull the current 5-year and 10-year US Treasury yield and credit spreads for A-rated corporate bonds. I need to update my reinsurance investment income assumption for treaty pricing.
Tools to power your best work
Academic ResearchSearch papers, authors, citations
Competitor ResearchDeep intel from a single URL
Earthquake MonitorLive & historical earthquake data
SEC FilingsSEC EDGAR filings & financial data
Deep ResearchAI research reports with citations
Finance DataMarkets, rates, commodities & macro
Regulatory ActionsSEC, CFPB, FDIC & Federal Register
Financial CalculatorDCF, bonds, options & portfolios
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Treaty submission analysis
Evaluate an inbound reinsurance treaty submission with comprehensive external research on the cedent and peril exposure.
CAT event portfolio impact assessment
When a major catastrophe event occurs, rapidly assess potential treaty exposure and begin loss estimation.
Annual renewal market research
Before each major renewal season, compile comprehensive market intelligence on pricing trends and capacity.
Frequently Asked Questions
Can these tools replace catastrophe modeling software?
No — dedicated CAT modeling platforms (RMS, AIR, Verisk) are the standard for treaty pricing and require proprietary exposure databases. These tools complement CAT modeling by providing real-time peril monitoring, historical research, and market intelligence that inform model assumptions and renewal negotiations.
How current is the catastrophe event data?
Earthquake Monitor provides near real-time seismic event data. Weather Forecast covers live storm tracking. For insured loss estimates, Deep Research aggregates from industry sources which typically publish preliminary estimates within days of a major event.
Can I use these tools for Life & Health reinsurance analysis?
Yes. Academic Research is particularly useful for mortality and morbidity study research relevant to L&H treaties. Economic Data tracks population health trends and medical cost inflation, which are key L&H rating factors. Financial Calculator handles L&H actuarial computations.
What ILS data sources are available?
Finance Data provides capital markets data including bond pricing and interest rate benchmarks. Deep Research can compile ILS market commentary and issuance summaries from industry publications. For primary ILS transaction data, specialized platforms like Artemis and Bloomberg are recommended complements.
How do I research an unfamiliar cedent?
Start with Competitor Research for a company intelligence overview, then check Regulatory Actions for any state or regulatory enforcement history. SEC Filings covers publicly traded cedents. For smaller or private companies, Deep Research can surface ratings, press coverage, and public financial disclosures.
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Works in Chat, Cowork and Code