Stoch Analytics provides modeling solutions for life insurers that enhance financial reporting, risk management, and product design through advanced stochastic cash flow generation and scenario analysis. Their technology enables insurers to efficiently navigate regulatory requirements and optimize asset-liability management while improving forecasting and stress testing capabilities.
Funding
Funding not disclosed
Founders
Product
Problem
Life insurance companies face increasing complexity in financial reporting, risk management, and product design due to evolving regulatory requirements and market volatility. Traditional modeling techniques often lack the sophistication to accurately forecast cash flows and assess risks under a wide range of economic scenarios. This can lead to suboptimal asset-liability management and difficulty in meeting regulatory demands such as US GAAP LDTI and IFRS 17.
Solution
Stoch Analytics provides advanced modeling solutions that enable life insurers to enhance financial reporting, risk management, and product design. Their technology leverages stochastic cash flow generation and scenario analysis to provide a comprehensive view of potential outcomes. The platform supports various reporting bases, including US statutory, US GAAP LDTI, and IFRS 17, making it ideal for principles-based reserving. By enabling more detailed hedge attribution and ALM strategy development, Stoch Analytics helps insurers optimize their financial performance and navigate the stochastic world.
Target Audience
The primary target audience includes life insurance companies needing advanced modeling capabilities for financial reporting, risk management, and product design.
Features
- Stochastic cash flow generation for variable annuities (VA) with guarantee riders (GMDB, GMAB, GMIB, GMWB, Lifetime GMWB)
- Stochastic cash flow generation for fixed indexed annuities (FIA) and registered index-linked annuities (RILA) with associated lifetime income benefits
- Stochastic cash flow generation for fixed universal life (UL), indexed UL, and UL with secondary guarantees
- Stochastic cash flow generation for fixed income and derivative assets
- Economic scenario generator (Mojo) for risk-neutral or real-world stochastic scenarios
- ALM Portfolio Solver for asset portfolio rebalancing, capital determination, and VM-21 compliance
- AccXLerator: No-code ETL to organize data from enterprise systems
- Cloud Manager: Integration with third-party cloud platforms (Amazon AWS, Microsoft Azure)
- Report Manager: Automated report generation
- Compression: In-force recordset reduction (100:1 or better) while maintaining replication accuracy
- Controls & Governance: Audit and control features for model and assumption governance
- Workflow automation: No-code workflow automation for end-to-end processing