Underwriting and investment book monitoring on a single forward looking view.
From NAIC designations to underwriting decisions, a continuously updated credit layer for life, P&C, and reinsurance.
Insurers manage massive credit exposures on both sides of the balance sheet, with capital requirements that demand defensible methodology. Most vendors offer either narrow data feeds or AI without the governance posture insurers require. AIR is the first platform built to give insurance investment, ALM, and underwriting teams a continuously updated credit view that aligns with NAIC, Solvency II, and asset adequacy standards.
Twenty years of credit events trained into a statistical engine. Defensible across cycles and aligned with the rigor your capital and actuarial teams expect.
ML produces the credit signal. Gen AI drafts underwriting and investment memos, supports asset adequacy work, and answers natural language questions. Both, by design.
Full model documentation. Backtest reports. No customer data used for training. Aligned with NAIC, Solvency II, and the standards your model risk team expects.
Investment portfolio credit oversight
A single forward looking view across the entire investment book, refreshed daily.
NAIC designation support
AIR scores mapped to NAIC designations, ready for filings and capital calculations.
Solvency II SCR for credit risk
Forward looking PDs aligned with Solvency II credit risk SCR calculations.
Asset adequacy testing
Forward looking projections and scenarios as inputs to asset adequacy testing for life insurers.
ALM matching and optimization
Long duration credit views for liability matching and ALM optimization.
Private credit allocation oversight
Forward looking views on private credit allocations and the underlying issuers in those portfolios.
Reinsurance counterparty risk
Continuous monitoring of reinsurer credit health, with concentration views across cedants.
Surety underwriting support
Forward looking credit views on principals and obligees in surety underwriting.
Commercial lines credit underwriting
Credit assessments to support commercial lines underwriting decisions.
Concentration and capital optimization
Concentration views across the investment book, with capital optimization analysis.
A sample of the surfaces. The AI layer reaches further across every credit workflow.
Credit Agent
Natural language portfolio and counterparty queries.
Auto Memos
Underwriting and investment memos generated automatically.
Scenario Analysis
Conversational stress and scenario analysis.
Document Intelligence
Policies, treaties, and filings parsed.
Cited Explanations
Driver attribution on every score.
Embedded Surfaces
Lives inside your investment or underwriting platform.
Talk to an AI credit specialist.
A working session, not a sales pitch. We will run AIR against a sample of your portfolio and walk you through what it sees.