Build and review your triangles
- Paid, incurred, case, claim-count, premium, and exposure triangles
- Development factors and diagnostics
- Tail-factor analysis
- Comparison with prior selections
- Drill-down to the underlying data
Reserve work, without the spreadsheet maze.
ACTUIT brings your reserve-close process into one place — from approved claims data and loss development triangles to actuarial selections, review, and final reporting.
Upload or connect your claims, premium, and exposure data. ACTUIT helps your team reconcile the data, run familiar methods, compare results and scenarios, document judgment, and prepare the final reserve pack.
Your actuaries remain in control. ACTUIT does the repetitive work around them.
June 2026 valuation
Commercial Auto · Gross reserve
Paid-loss triangleCompared with March
Paid CL
$18.4m
Incurred CL
$19.1m
BF
$18.8m
Methods3 complete
Data checks1 open
SelectionReview needed
Reserve reportDraft
See where every number came from
Illustrative product experience
Source extracts, spreadsheets, actuarial models, review emails, reports, and audit support often become disconnected. ACTUIT keeps the full reserve-close path together.
- 1
Data
- 2
Triangles
- 3
Methods
- 4
Judgment
- 5
Review
- 6
Reports
Bring the data together before the analysis begins.
Connect claims, premium, and exposure data from the systems and files you already use. ACTUIT checks the data, highlights differences and exceptions, and keeps the exact data used for each valuation.
- Approved and reconciled claims and premium data
- Clear data-quality exceptions
- Reusable portfolio segmentation
- The exact dataset used for the valuation, saved and locked
June 2026 data preparation
Commercial Auto
Claims dataReconciled
Premium dataReconciled
Exposure dataReady
Data-quality review2 exceptions
The valuation dataset is saved with the close, so the team can always return to the exact figures that were used.
Build the triangles. Run the methods your team already knows.
Create development views by portfolio, class, segment, or underwriting year. Investigate unusual movements, compare patterns and tails, then run familiar reserving methods against the same data.
Compare familiar reserving methods
Paid Chain LadderIncurred Chain LadderBornhuetter-FergusonCape CodExpected Loss RatioAverage CostFrequency-Severity
ACTUIT calculates. The actuary selects.
IBNR is presented as selected ultimate less incurred to date, including IBNER, and the definition remains visible in the output.
A reserve number is only useful if you can explain it.
Compare the current valuation with the previous close and see what drove the movement by portfolio, segment, and origin period.
Actual versus expected
Compare the emergence you expected with what actually happened.
Reserve roll-forward
Explain the movement from the previous approved close to the current estimate.
Assumptions and patterns
See the effect of development, tail, and other assumption changes.
Historical performance
Review how methods and selections have performed over time.
Prior selected reserve
$18.1m
Payments
−$3.4m
New information
+$2.6m
Current selected reserve
$17.3m
Test alternatives without changing the approved baseline.
See the reserve impact of different development factors, tails, expected loss ratios, method weights, or large-loss treatments before deciding whether to adopt them.
- Keep the approved baseline unchanged
- Compare the impact by portfolio and segment
- Review gross results alongside imported ceded and net values
- Carry an accepted scenario into a new actuarial selection
The system presents the analysis. Your actuarial team makes the judgment.
Selections, assumptions, explanations, review comments, and approvals stay with the valuation, creating a clear reserve approval workflow instead of losing the reasoning in spreadsheets, emails, or meeting notes.
Draft
Analysis
Review
Peer check
Approved
Final close
AI can help investigate results, explain movements, draft commentary, and assemble reports. It cannot select or approve the reserve.
One close. All the deliverables.
Every output comes from the same approved valuation, so the numbers stay consistent across workpapers, reports, presentations, and review evidence.
Reserve report
Actuarial results, selections, explanations, and supporting exhibits.
Triangle exhibits
Paid, incurred, development, and diagnostic views.
A/E and movement
Actual versus expected analysis and the reserve roll-forward.
Excel workpapers
Structured workpapers tied to the same approved valuation.
Management pack
Consistent management, board, and committee presentations.
Reserve evidence package
The data, assumptions, decisions, comments, and approvals behind the close.
Each report and reserve evidence package can be followed back to the approved data, assumptions, method, selection, review, and approval behind it.
Start the next close where the last one ended.
Bring in the new data, compare it with the previous valuation, investigate the movements, update the assumptions that need changing, and carry forward the ones that do not.
What changed. Why it changed. Who selected it. Who approved it.
Spend less time rebuilding spreadsheets and more time reviewing the risk.
MGAs and program administrators
Run a professional reserve process without building an actuarial technology department. Give internal or external actuaries one consistent place to work.
Actuarial firms
Run repeatable reserve reviews across clients while keeping each client’s data, assumptions, selections, workpapers, and reports separate.
Insurers and reinsurers
Apply a consistent reserving process across portfolios, periods, and teams while retaining the history of every valuation and selection.
Use ACTUIT directly, or connect it when you need to.
ACTUIT can operate as part of the Facio insurance platform or alongside your existing policy, claims, finance, and data systems. You do not need to replace them to use ACTUIT.
UI
Work directly in ACTUIT
Actuaries can review data, triangles, methods, scenarios, selections, comments, and reports in one focused workspace.
API
Connect your existing systems
Technology teams can use the actuarial API to connect approved policy, claims, finance, and data systems when needed.
MCP
Use approved AI tools
Approved AI assistants can use ACTUIT through its actuarial MCP to help investigate results, explain movements, and prepare drafts.
What to know before the demo.
What is ACTUIT?
ACTUIT is P&C actuarial reserving software that brings the reserve-close process into one place, from approved claims data and loss development triangles to actuarial methods, selections, review, reporting, and evidence.
Do I need the full Facio platform?
No. ACTUIT can be used inside the full Facio Platform or alongside your existing policy, claims, finance, and data systems.
What data sources and file formats can ACTUIT use?
ACTUIT is designed to work with approved claims, policy, premium, exposure, finance, and prior-valuation data. Supported sources include CSV, TSV, Excel, JSON, NDJSON, Parquet, Azure Blob and ADLS, Amazon S3, approved databases, SharePoint, Google Drive, and registered APIs.
Which reserving methods are included?
The first release focuses on familiar deterministic methods, including paid and incurred Chain Ladder, Bornhuetter-Ferguson, Cape Cod, Expected Loss Ratio, Average Cost, and Frequency-Severity.
How can we trace a reserve result back to its source?
ACTUIT keeps the exact approved data used for each valuation and connects every reported figure to its source data, assumptions, method, selection, review, and approval. This source-to-report lineage provides a clear actuarial audit trail without rebuilding the close from separate folders.
Does AI calculate or approve the reserve?
No. Controlled actuarial methods calculate the results. Your actuarial team reviews them, makes the selections, and approves the valuation. AI may help investigate results, explain movements, prepare commentary, and assemble draft reports.
How do UI, API, and MCP fit together?
They are three ways to use the same ACTUIT capabilities. Actuaries can work in the UI, systems can connect through the API, and approved AI tools can use MCP. The calculations, permissions, review, and approval process remain the same.
Does ACTUIT calculate ceded and net reserves?
The first release calculates authoritative gross reserve results. Approved ceded and net values can be imported, compared, and reconciled. Native treaty modeling and recoverable calculation are outside the first Reserve Close Core.
Does ACTUIT support stochastic reserving?
The first demo and release focus on deterministic reserve-close workflows. Stochastic reserving is outside the initial scope.
Can we use our own Python or R methods?
ACTUIT is designed to support reproducible exports and approved custom method packages. A custom method can become part of an official valuation only after technical and actuarial validation and approval.
What reports are included?
ACTUIT includes a catalog of 295 report and evidence definitions. The first release focuses implementation and acceptance on 24 Reserve Close Core reports covering executive, data-quality, triangle, reserving, A/E, scenario, and evidence workflows.
Can clients and auditors review the results?
The planned service includes separate access for clients, reviewers, approvers, model validators, and auditors. Each person sees only the work and approved outputs they are authorized to review.
Where is data stored?
The production design supports region-pinned US and EU data environments. Exact deployment, residency, provider, and security options will be confirmed during commercial and security review. Initial demo access is planned for selected US teams.
When will the demo be available?
Facio is preparing an initial demo program for selected US-based teams. Joining the waitlist registers interest but does not guarantee timing or access.
Evaluate both the method and the complete reserve close.
Compare Chain Ladder and Bornhuetter-Ferguson evidence, then test data approval, scenarios, actuarial selection, peer review, movement analysis, reports, scope boundaries, and source-to-report evidence.
Your reserving process, finally in one place.
See how ACTUIT can take your team from the latest claims data to a complete, reviewable reserve close. Early demo access will open first to selected actuarial and insurance teams in the United States.
No production insurance data is required to register
Professional judgment and approval stay with your team
Joining the waitlist does not guarantee timing or access