We sell the engine, not the market. Computation infrastructure for product teams, not a consumer compare-the-market play.
Our API handles GMWB, GMIB, GMDB, GMAB, ratchets, rollups, step-ups, tiered withdrawals, excess withdrawals with pro-rata BB reduction, table-lookup lapse rates, and multiple fee bases. 12+ contract variants, 355+ tests passing. Send parameters, receive PVs, cashflows, and Greeks.
No policyholder data touches our systems. No SOC 2 audit. No PII liability. Pure computation — you call, we calculate, you store.
"What should we charge for this GMWB rider?" Model fee structures against guarantee costs across 10,000 Monte Carlo paths.
Run your product against competitor specs under identical market assumptions. Apples-to-apples comparison.
CTE(70) and CTE(95) directional guidance for VM-21 / C3 Phase II. We provide tools, not opinions.
"What's this in-force block worth?" Full stochastic valuation of any VA portfolio.
We are a computation engine, not a data platform. This eliminates compliance overhead and accelerates procurement.
We receive contract parameters (numbers), not customer identities. Nothing to breach.
We hold no customer data. Your security team has nothing to audit beyond standard API access.
Documented methodology, versioned API, benchmark test cases. You can validate every result.
1,002 policies across 5 product families, 12 compiled kernels, 500 VaR scenarios. Tape-safe branching — all contract complexity compiles without explosion.
Buffers, floors, caps, and participation rates. The fastest-growing annuity segment ($79.6B, +20% YoY) — modelled with the same AADC kernel architecture.
Configurable drift for real-world projections (ALM, economic capital) alongside risk-neutral valuation (reserves, hedging). Same engine, one parameter change.
Multiple subaccounts with configurable asset allocation, rebalancing, and volatility caps. Model realistic policyholder investment behaviour.
We're working with early-access carriers and reinsurers. Whether it's product development, competitive analysis, or reserve estimation — the engine is ready.