Portfolio management

Portfolio performance you can see, model, and act on

Most underwriting teams review portfolio performance in arrears. The pricing decisions that shaped those results were made months before the numbers show up in a report.

hx gives underwriting and actuarial teams a live view of the book, segment by segment, line by line. Scenario testing shows the likely impact of pricing changes before you commit.

Portfolio data and pricing logic on the same platform. No disconnect.

Portfolio performance visible across every segment and line, without a separate BI tool

Scenario testing tied to live pricing data, so you model changes before deploying them

hx customers see a 2–3% improvement in combined ratio through tighter portfolio-level pricing decisions

Trusted by leading insurers including:

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With hx customers achieve:

Portfolio performance visible across every segment and line, without a separate BI tool

Scenario testing tied to live pricing data, so you model changes before deploying them

hx customers see a 2–3% improvement in combined ratio through tighter portfolio-level pricing decisions

Trusted by leading insurers including:

How hx connects portfolio data to pricing decisions

Performance visibility: across every line, in near real time

See segment-level loss trends, combined ratio movements, and pricing adequacy in one governed view. The data is live. Teams track performance without waiting for monthly reports or querying separate systems.

Performance visibility: across every line, in near real time

See segment-level loss trends, combined ratio movements, and pricing adequacy in one governed view. The data is live. Teams track performance without waiting for monthly reports or querying separate systems.

Performance visibility: across every line, in near real time

See segment-level loss trends, combined ratio movements, and pricing adequacy in one governed view. The data is live. Teams track performance without waiting for monthly reports or querying separate systems.

Scenario testing: model changes before you commit

Run analyses on proposed rate adjustments, appetite shifts, or book reshaping against real portfolio data. Test the likely impact on projected performance before the change goes live.

Scenario testing: model changes before you commit

Run analyses on proposed rate adjustments, appetite shifts, or book reshaping against real portfolio data. Test the likely impact on projected performance before the change goes live.

Scenario testing: model changes before you commit

Run analyses on proposed rate adjustments, appetite shifts, or book reshaping against real portfolio data. Test the likely impact on projected performance before the change goes live.

Feedback loop: portfolio context inside every pricing decision

Because pricing and portfolio analytics run on the same platform, the connection is automatic. Performance trends feed back into pricing logic. Pricing decisions carry portfolio history with them.

Feedback loop: portfolio context inside every pricing decision

Because pricing and portfolio analytics run on the same platform, the connection is automatic. Performance trends feed back into pricing logic. Pricing decisions carry portfolio history with them.

Feedback loop: portfolio context inside every pricing decision

Because pricing and portfolio analytics run on the same platform, the connection is automatic. Performance trends feed back into pricing logic. Pricing decisions carry portfolio history with them.

Governance: versioned, traceable, audit-ready

Every change to pricing models, appetite guidelines, and rate plans is versioned and traceable. Audit evidence is generated automatically. No manual documentation for regulatory review.

Governance: versioned, traceable, audit-ready

Every change to pricing models, appetite guidelines, and rate plans is versioned and traceable. Audit evidence is generated automatically. No manual documentation for regulatory review.

Governance: versioned, traceable, audit-ready

Every change to pricing models, appetite guidelines, and rate plans is versioned and traceable. Audit evidence is generated automatically. No manual documentation for regulatory review.

Aviva built 20 models in 9 months and unlocked ML capabilities.

Global Commercial & Specialty – improved speed and accuracy of pricing decisions.

Enterprise grade security
and compliance

Enterprise Security

SOC2 Type 2 and ISO 27001:2022 certified, with rigorous controls to protect sensitive underwriting data and help you meet enterprise compliance requirements.

Full audit trails & governance

Every decision, rule change, and model update is captured end-to-end - giving you transparency, accountability, and a clear path for regulatory review.

Open, portable, yours

Structured access to all data, configuration, and code, available anytime for full transparency, portability, and operational continuity.

FAQs

01

How does hx help underwriters quote more submissions without adding headcount?

hx automates manual admin work like data entry and submission triage, freeing up underwriters to focus on risk assessment and decision-making. Customers typically see capacity to quote up to 2× more submissions while maintaining the same risk selection standards. The platform handles routine tasks so your team can spend time on winnable, profitable risks.

02

What does "real-time portfolio visibility" mean for underwriters?

Instead of waiting for monthly or quarterly reports, underwriters can see current portfolio performance, exposure concentrations, and emerging trends as they happen. This lets you adjust pricing and appetite proactively—before market conditions shift—rather than reacting weeks or months later with outdated data.

03

How much combined ratio improvement can underwriters expect?

Customers using hx's AI-driven pricing models typically see 3–6% combined ratio improvements. The platform learns from your portfolio data to identify profitable pricing opportunities and helps you avoid underpriced risks. Results vary based on your starting point and how you deploy the platform across your book.

FAQs

01

How does hx help underwriters quote more submissions without adding headcount?

hx automates manual admin work like data entry and submission triage, freeing up underwriters to focus on risk assessment and decision-making. Customers typically see capacity to quote up to 2× more submissions while maintaining the same risk selection standards. The platform handles routine tasks so your team can spend time on winnable, profitable risks.

02

What does "real-time portfolio visibility" mean for underwriters?

Instead of waiting for monthly or quarterly reports, underwriters can see current portfolio performance, exposure concentrations, and emerging trends as they happen. This lets you adjust pricing and appetite proactively—before market conditions shift—rather than reacting weeks or months later with outdated data.

03

How much combined ratio improvement can underwriters expect?

Customers using hx's AI-driven pricing models typically see 3–6% combined ratio improvements. The platform learns from your portfolio data to identify profitable pricing opportunities and helps you avoid underpriced risks. Results vary based on your starting point and how you deploy the platform across your book.

See hx in action

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