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Insurance capital and enterprise risk management

In a shifting landscape where risks are continually expanding and multiplying, insurers must manage their risk exposure and meet future insurance obligations and regulatory capital adequacy requirements while also making the best use of available capital.

Moody’s comprehensive suite of enterprise risk solutions helps insurers manage a wide range of finance and risk data as well as produce risk and solvency analytics to support risk-based decision-making, helping them make efficient use of capital and respond to emerging risks. 

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Moody’s Climate Pathways Solution

Learn more about Moody’s Climate Pathways solution — a specialized scenario modeling solution that helps insurers, asset managers, and pensions funds efficiently assess the financial impact of transition risks and overlay physical risk impacts by integrating physical damage assessments into the broader analysis.

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Capabilities

01 Capital and enterprise risk management

Capital and enterprise risk management

Insurers can address their capital and enterprise risk management needs using our RiskIntegrity™ suite of solutions. Our comprehensive, modular solutions help insurers manage:

  • Finance and risk data

  • Risk and solvency analytics

  • Financial and solvency regulatory reporting

  • Business projections and insights
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02 Scenario modeling

Scenario modeling

Moody’s Scenario Generation solutions are a suite of leading-edge stochastic models, software modules, and services that allow insurers and other financial institutions to undertake a wide range of risk management activities.

Customers can use our solutions to assess group-wide economic and regulatory capital, develop capital management strategies, and price complex embedded guarantees and options. Moody’s Scenario Generation solutions are fully transparent, integrated with the leading asset-liability management software, and supported by a range of services.

Market Consistent Scenario Generator
Real World Scenario Generator
Risk Scenario Generator
03 Climate Pathways Solution

Climate Pathways Solution

Moody’s Climate Pathways solution offers specialized scenario modeling for insurers, asset managers, and pensions funds. Assess the financial impact of transition risks and overlay physical risk impacts by integrating physical damage assessments into the broader analysis.

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04 Risk-Integrated Credit Solution

Risk-Integrated Credit Solution

The Risk-Integrated Credit Solution (RICS) captures granular credit and market risks in projections of portfolio dynamics. RICS brings together our market-leading credit correlation model and award-winning Scenario Generator.

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05 Catastrophe modeling

Catastrophe modeling

Moody's supports catastrophe modeling and exposure management by providing industry-leading science, an innovative technology platform, and a commitment to help each customer create and curate their own view of risk.

Our award-winning models cover natural risks including earthquakes, hurricanes, windstorms, flooding and wildfires in addition to emerging risks like cyberattacks, terrorism, pandemics, and more.

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06 Earnings risk

Earnings risk

For property and casualty firms, earnings risk is inherently tied to loss volatility, with natural catastrophe risk being one of the main drivers. To navigate this, Moody’s combines data, innovative catastrophe modeling, and robust modeling infrastructure to deliver insights that go beyond catastrophe events to uncover the hidden drivers of volatility and risk correlations at higher levels of granularity. 

With Moody’s insights, insurers can better understand the factors affecting their profitability and stability, helping them make informed decisions with confidence. 

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News and views

whitepaper

Sep 01, 2023

 Moody's
The importance of granular risk-integrated analysis: two case studies

In this paper we demonstrate the importance of granular portfolio risk-integrated modeling framework through two case studies.

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article

Jun 30, 2023

 Moody's
Achieving a balanced view of broader systemic risks

This article explores how insurers can integrate bottom-up and top-down approaches to assess broader systemic risks in ORSA, strategic asset allocation, and TCFD reporting.

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article
Moody's
Catastrophe risk modeling solution of the year: Moody's RMS

Moody's RMS took the title following a landmark 12 months that saw it welcome its 100th active client to use applications and services on its Intelligent Risk Platform™.

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article
Disrupting the flow of earnings risk losses

This article discusses how secondary perils like floods and wildfires are increasingly impacting insurers' earnings. Moody’s employs high-definition modeling to provide better risk assessments for these frequent events, offering insurers more control over managing earnings volatility.

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whitepaper

Jan 01, 2021

 Moody's
Cashflow matching with granular credit assets

A key part of insurance asset and liability management is the choice of assets to support the long-dated liabilities.  This paper uses the example of direct cashflow matching to demonstrate the importance of granular credit modeling in determining the efficacy of these asset selection strategies.

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whitepaper

Jan 01, 2021

 Moody's
Granular portfolio dynamics: the importance of joint credit-market risk modeling

In this paper we show the importance of jointly modeling market an credit risks for analyzing asset portfolio dynamics.

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