VariableAnnuityGuide.com

For Actuarial & Risk Teams

Actuarial-grade VA computation in seconds, not hours.

Monte Carlo simulation

1,000 to 100,000 paths per request. GBM, Heston stochastic volatility, Hull-White interest rates. Client-supplied or reference scenario sets.

Greeks via Adjoint AD

Delta, Vega, Rho, Gamma, Theta — all computed in a single reverse pass. 29x faster than bump & revalue at 15 risk factors. Scales to 50+ without additional cost.

Full-revaluation VaR

500+ market scenarios with per-scenario Greeks. 138x faster than brute-force. Extrapolates to 10,000 scenarios at scale.

Stress testing

Custom multi-factor stress grids (vol x rate x equity). 25-point grid in 1.9 seconds. Returns stressed valuations and P&L impact vs base case.

Kernel reuse + tape-safe branching

12 compiled AVX2 kernels serve 1,002 policies across 5 product families. iIf operator handles all conditional logic (surrender schedules, lapse tables, excess withdrawal kinks) without tape explosion — O(N) scaling proven.

Production-grade contract features

5 products, 12+ variants: tiered withdrawals, excess withdrawal with pro-rata BB reduction, table-lookup lapse (8×5 2D), fee basis variants (AV/BB/max), deterministic decrements, rollup caps, benefit base reset. 355+ tests passing.

Measured, not theoretical

All benchmarks run on commodity hardware (8 threads, AVX2). Production scales linearly with cores.

138×
VaR + 15 Greeks
500 scenarios, 1,002 policies
29×
Greek computation
15 risk factors, 1 reverse pass
0.97s
Kernel recording
one-time, reusable across portfolio
$0
vs B&R difference
PV, VaR 95/99, stress grid

Explore the interactive performance demo →

Regulatory alignment

We provide valuation tools, not certified reserve calculations. You use our outputs as inputs to your own reserving process.

Regulation Requirement How we help
AG43 / VM-21 Stochastic scenarios Kernel reuse across full portfolio
C3 Phase II Risk capital (CTE) VaR + Greeks in single pass
ORSA Stress testing Multi-factor stress grids
Solvency II CTE calculations Full revaluation VaR
FRTB Per-scenario sensitivities Reverse-mode AD (all Greeks free)

vs building in-house

In-house VA pricing engine

  • $1–3M/year in quant developer salaries
  • 6–18 months to production-grade engine
  • Ongoing model risk management
  • Limited to products you've already implemented

Our API

  • $12K–180K/year depending on tier
  • Start calling immediately — engine is benchmarked
  • Versioned methodology with published test cases
  • All 5 guarantee types, 12+ variants, ready today

Even carriers with in-house models use external tools for benchmarking and validation. Consulting firms (Milliman, Oliver Wyman, WTW) serve dozens of clients and need a flexible, multi-product engine.

On our roadmap

Features in active development — tell us which ones matter for your workflows.

Real-world scenarios

Configurable real-world drift alongside risk-neutral valuation. ALM projections, economic capital, and nested stochastic — same engine, one parameter change.

RILA contract support

Buffers, floors, caps, participation rates. The $79.6B RILA market modelled with AADC kernel reuse and full Greeks.

Academy scenario sets (AIRG)

Pre-calibrated scenario generators based on AAA Interest Rate Generator methodology. Standard equity calibrations updated monthly.

Python SDK + Excel add-in

Call the pricing engine from Jupyter notebooks, pandas workflows, or Excel spreadsheets. Drop-in integration with existing actuarial toolchains.

Batch processing (10K+ contracts)

Submit entire in-force portfolios in a single API call. Portfolio-scale valuation, reserve estimation, and sensitivity analysis.

Stochastic interest rates (Hull-White 1F)

Correlated equity-rate dynamics for realistic VA valuation. Calibration to current yield curve with mean reversion and volatility parameters.

Tell us which features matter most for your team →

Request early access

The computation engine is built, benchmarked, and deployed. We're onboarding actuarial teams and consulting firms for the hosted API. Tell us about your workflows.