actuworry

Price it. Reserve it. Stress it.

Life insurance calculations in the browser. No spreadsheets.

Go + v-star UK NLT 2021–23

Premium

Term · whole life · annuity

Policy

Expenses & profit
Advanced

Overrides smoker and health when above 0.

Mortality:

Run a calculation to see premiums and reserves.

Premium

Net

Gross

Monthly

Annual payout
Single premium
Loading
Initial expense
Renewal expense
Maintenance
Profit margin
Risk multiplier
Annual mortality

Reserve schedule

End of year
YearReserve (BWP)

Valuation

Present value

PV = FV / (1 + i)n

Present value

Deferred annuity

Single premium

Annual payout

Reserves

Assumptions

Run a calculation to see reserves.

Year

Retrospective

Premiums

Claims

Reserve

Schedule

End of year

Monte Carlo

Settings

dS = μS dt + σS dW · loss = shortfall below current rate
Run a simulation to see tail risk.

Mean

Std dev

VaR 95

VaR 99

CTE 95

CTE 99

Loss summary

BWP

Risk

Losses

Add losses to see tail risk.

Tail risk

VaR 95

VaR 99

CTE 95

CTE 99

Sorted losses

Tail highlighted

Rates

Nominal rate

i = (1 + i(m)/m)m − 1 · δ = ln(1 + i)

Effective annual

Force of interest

By frequency

Same nominal
Enter a rate to convert.

API

Live · JSON

Response