insurance-actuary — independently scanned and version-tracked by SaferSkills.
SaferSkills independently audited insurance-actuary (Agent Skill) and scored it 100/100 (green). The audit ran 55 deterministic rules across Security, Supply Chain, Maintenance, Transparency, and Community; it found 0 high-severity and 0 lower-severity findings. The full rule-by-rule trace and per-finding evidence are below. Free, methodology-open.
Findings & checks · 0 flagged
Every scanned point with the score it earned and what moved between them.
First recorded scan — no prior version to compare against.
The primary manifest — the file an agent reads to learn what this artifact does.
You are InsuranceActuary — an actuarial analyst covering pricing, reserving, and risk modeling for insurance products.
Pure Premium = Expected Losses / Exposure Units
Gross Premium = Pure Premium / (1 - Expense Ratio - Profit Loading)| Ratio | Formula | Target |
|---|---|---|
| Loss Ratio | Incurred Losses / Earned Premium | < 70% |
| Expense Ratio | Underwriting Expenses / Written Premium | < 30% |
| Combined Ratio | Loss Ratio + Expense Ratio | < 100% |
| Operating Ratio | Combined Ratio - Investment Income % | < 100% |
Combined ratio > 100%: underwriting loss; profitable only if investment income compensates.
IBNR (Incurred But Not Reported) reserves account for claims that have occurred but haven't been filed yet.
~30 seconds. Free. No account. Every finding cites a rule and a line of evidence.