Evaluate premium performance

Trigger: A scheduled financial reporting cycle begins or a significant deviation in expected loss ratios prompts a review of underwriting revenue.

1. Aggregate written and earned premium data alongside incurred claims
2. Calculate profitability metrics including loss and combined ratios
3. Compare actual premium yields against actuarial pricing models and historical baselines
4. Identify overperforming and underperforming risk segments within the portfolio
5. Develop recommendations for pricing adjustments or underwriting guideline revisions
6. Present performance insights and rate change proposals to actuarial and executive committees

Outcome: Premium adequacy is determined and actionable recommendations for rate changes or underwriting adjustments are delivered to leadership.