Insurance

In an increasingly complex and interconnected world, insurance plays a critical role to the global economy.

As risks continue to grow and compound in unforeseen ways, risk selection, pricing, and management require greater insight than ever before.

Our combination of science, data, technology and expertise provides insurers, reinsurers, and brokers across property, casualty, life, and specialty with the ability to address their most complex challenges – helping close the insurance gap and drive performance.

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Unlock insights. Amplify performance.

For over a century, Moody’s has empowered decision-makers with trusted insights — and today, we’re bringing that legacy to the evolving world of insurance.

By combining deep risk expertise with advanced analytics, science, and technology, Moody’s delivers a comprehensive suite of solutions designed to help (re)insurers navigate uncertainty, manage complexity, and gain a strategic edge across property, casualty, life, and specialty lines.

From emerging risks to portfolio optimization, our expanding ecosystem supports better decisions at every stage of the insurance value chain.

See how Moody’s is shaping the future of insurance — helping you lead with clarity, confidence, and resilience.

How can we help?

Moody's highly differentiated solutions bring together software, models, data, analytics, and best practices, helping insurers, reinsurers, brokers, and other public and private entities make better decisions with confidence.

Model catastrophe risk with industry-leading science

For over 30 years, Moody’s RMS™ has led the way in transforming the catastrophe risk industry, helping organizations make better decisions to improve human and environmental outcomes.

Streamline your actuarial processes

Moody’s AXIS™ actuarial system is a powerful modeling solution used by insurers, reinsurers, and consultants for actuarial analysis of life insurance and annuity business.

Underwrite risks with increased speed and accuracy

Our cloud-native platform combines AI-powered property intelligence, rich datasets, and advanced science to streamline underwriting, boost profitability, and accelerate market response.

Future-focused casualty risk management solutions

Moody’s casualty insurance solutions empowers (re)insurers to manage liability risk with science-driven insights, emerging risk foresight, and portfolio intelligence.

Comply and report efficiently

Our cloud-native software solutions improve the efficiency and accuracy of your financial and non-financial reporting processes as well as supporting your compliance with sanction and anti-money laundering laws.

Speak to our team today

Interested in learning more about our offerings? Our solutions specialists are ready to help.

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Building a 360-degree view of risk

As today's risks become increasingly connected, Colin Holmes, General Manager, Insurance Solutions, Moody's, speaks to how Moody's is helping customers break down silos to create a unified view and see risk differently.

Who we help

01 Actuaries
02 Brokers
03 Catastrophe modelers and exposure managers
04 Financial and accounting managers
05 IT and data professionals
06 Risk and capital management officers
07 Underwriters

01 Actuaries

Actuaries

Moody's supports chief actuaries and their teams with our advanced actuarial solutions across the value chain, from pricing and product development to asset and liability management (ALM) and capital management to financial planning, valuation, and reporting.

We provide actuaries with sophisticated, integrated asset and liability analyses, the ability to easily compute results under multiple bases, and efficient calculations that deliver timely results.

Our solutions prioritize performance, ease of use, flexibility, robustness, scalability, and transparency to help actuaries project future cash flows, assess profitability, explore diverse scenarios, and efficiently create new insurance products.

Brokers

In a rapidly evolving risk landscape marked by economic shifts, recent unprecedented natural catastrophe events, and growing cyber threats, (re)insurance brokers face ever-increasing customer expectations. With over 30 years of experience in providing sophisticated catastrophe analytics, Moody’s deeply understands broker market dynamics. As the partner of choice, we help brokers offer their customers an enhanced analytics proposition.

Catastrophe modelers and exposure managers

Moody’s supports catastrophe modeling and exposure management across both property and casualty lines by delivering industry-leading science, innovative technology, and a commitment to helping each customer build and maintain their own view of risk.

Moody’s models cover natural risks, including earthquakes, hurricanes, windstorms, flooding, wildfires, and forward-looking views of risk, in addition to emerging risks like cyberattacks, terrorism, pandemics, liability-related events impacting casualty lines, and more.

Our platform and collaborative applications consistently deliver each customer’s unique view of risk across exposure management functions so customers can make more informed risk management decisions with greater accuracy, efficiency, and confidence.

Financial and accounting managers

Moody's supports financial and accounting managers and their teams by helping meet their analytic and compliance needs for regulatory and public reporting standards and the associated internal analysis and decision-making.

Our solution suite allows users to project future cash flows, estimate actuarial liabilities and assets, assess profitability, and produce regulatory reporting for Solvency II, the Canadian Life Insurance Capital Adequacy Test (LICAT), US GAAP long-duration targeted improvement (LDTI) liabilities, current expected credit losses (CECL), IFRS 17 for insurance liabilities, IFRS 9 for financial instruments, and more.

These solutions provide timely calculations and reporting that help financial managers assess risks, make informed investment decisions, optimize financial performance, and plan for sustainable growth.

IT and data professionals

Moody’s assists IT and data professionals by delivering a scalable risk platform backed by decades of experience. We engineered it to minimize the time, cost, and complexity of implementing mitigation strategies and managing your risk with innovative solutions.

With hundreds of deployments worldwide, you can access a time-tested platform that integrates with your workflows and libraries for automation, data integration, and representational-state-transfer application programming interfaces for real-time insights in your applications.

Moody’s can help you prepare for production thanks to proven data migration, configuration, custom development, integration, and change management expertise with our secure cloud.

Risk and capital managers

Moody’s helps chief risk officers, heads of capital management, and their teams meet their enterprise risk management needs with a suite of risk modeling, analytical, and reporting tools that leverage detailed economic and market scenarios to provide a consistent view of risk.

Our risk modeling solution suite helps users assess, monitor, and manage the wide variety of risks the insurance sector faces, including credit, market, insurance underwriting, and catastrophe risks under risk-neutral, real-world, and physical and transiton risk-adjusted scenarios.

These solutions help risk management teams identify appropriate mitigation strategies, manage asset and liability interactions, and make informed decisions so their organizations can more effectively meet future insurance obligations and regulatory capital adequacy requirements while making the best use of available capital.

More on insurance capital and enterprise risk management

07 Underwriters

Underwriters

Moody's helps insurance underwriters assess, select, and price both property and casualty risks with greater precision. We provide award-winning corporate entity data, high-quality exposure data, global hazard context, and insights on emerging risks — all backed by industry-leading science — so underwriters can price risk with confidence.

Our solutions increase underwriting throughput by automating workflows, providing extensive datasets for property and casualty lines of business, and leveraging our high-performance, scalable, and cloud-native architecture.

We offer a common set of analytics that creates a "currency of risk” for consistent communication within your organization and across the risk life cycle between primary insurers, reinsurers, and brokers to enhance decision-making.

Customer insights

Testimonial

“IFRS 17 implementation has become a key lever for modernizing and industrializing our actuarial processes. We chose Moody’s solutions AXIS™ and RiskIntegrity™ for IFRS 17 based on their balance between out-of-the-box predefined structure and flexibility, which will help us simplify the implementation and modeling of all our life insurance products.”

— Carlos González
Chief Financial Officer, Seguros RGA