Solvency Capital Requirements, calculated and defensible
Insutec runs the full SAM standard formula automatically — Market Risk, Non-Life and Life Underwriting Risk, Operational Risk, and Participations — and calculates your combined SCR and MCR with a complete audit trail, so you can stand behind every number.
An SCR you can explain to any regulator
Solvency capital calculations pull together underwriting, market, credit, and operational risk into a single number regulators will scrutinize closely. Insutec runs the full standard formula automatically: each risk module is calculated on its own, diversified through the prescribed correlation matrices into your BSCR and SCR, adjusted for the loss-absorbing capacity of deferred tax, and combined into your MCR with the regulatory floor and cap applied, all with a full audit trail from raw data to final number, so you can answer any question a regulator asks.
Modular Risk Calculations
Interest rate, equity, currency, property, spread and credit, concentration, illiquidity premium, non-life and life underwriting, catastrophe, and operational risk are each calculated on their own module and automatically diversified into your combined BSCR and SCR.
Scenario & Stress Testing
Model how SCR and MCR shift under different assumptions, reinsurance structures, or catastrophe scenarios before you are asked to explain it after the fact.
Full Audit Trail
Trace every SCR and MCR component back to the underlying policy, claims, asset, and reinsurance data and assumptions used to calculate it.
MCR & Capital Adequacy
Your combined Minimum Capital Requirement is calculated automatically across life and non-life components, with the regulatory floor and cap applied, and reconciled against your SCR and Own Funds position.
Catastrophe & Reinsurance-Adjusted Capital
Natural catastrophe, man-made, and non-proportional catastrophe risk are calculated gross and net of your reinsurance programme, so your capital charge always reflects the cover you actually have in place.
See SCR calculation in action
Get a walkthrough of how Insutec calculates and documents your SCR.