CLAIMS RESERVING

Turn Reserving Into a Real-Time Advantage

Coherent transforms manual reserving into a dynamic, data-driven process that improves claims speed and accuracy— delivering consistent guidance for adjusters, stability for finance, and faster updates from actuarial.

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Improved accuracy

by reducing over- and under-reserving

Earlier detection

of high-severity claims for faster action

Faster claims closure

with real-time reserve adjustments

Why Claims Reserving Stays Stuck in Manual Mode

Reserving underpins financial stability, but the process is still outdated and largely judgment-driven. Most case reserves are inaccurate at FNOL, many aren’t revised as claims evolve, and actuarial models remain siloed in Excel. Finance and regulators are left questioning adequacy when results swing quarter to quarter.

Reserve logic is trapped in Excel and disconnected from claims workflows

Updates lag weeks or months, hiding under- or over-reserving until quarter close

Manual judgments lead to inconsistent and error-prone outcomes across adjusters

Finance and regulators rely on outdated rollups, with audit trails too thin to defend decisions

Transform Reserving
from Art into Science

With Coherent, actuarial models stay in Excel but guide reserving directly inside claims workflows—turning gut-driven estimates into consistent, explainable results.

Turn Excel into Governed Systems

Actuaries keep working in Excel, Coherent turns those models into APIs for claims, finance, and analytics systems.

Run Reserve Calculations at Scale, in Seconds

Execute complex reserving logic across portfolios instantly, without file duplication or IT delays.

Arm Stakeholders with Trusted Results

Deliver clarity via standardized, explainable reserve outputs to claims, finance, and audit teams.

Change Logic Once, Deploy Everywhere

Connect models with Guidewire, Duck Creek, or homegrown claims platforms, plus finance systems and data warehouses.

Power Up the Reserving Workflows You Depend On

From portfolio reviews to claim-level accuracy, Coherent removes manual effort and makes reserving a connected, real-time process.

Automate Portfolio Reserve Reviews

Run monthly or quarterly reserve assessments using governed models instead of duplicating spreadsheets—ensuring consistent outputs finance can trust.

Model Scenarios Instantly

Test the impact of catastrophes, severity changes, or new assumptions in seconds. Compare results and promote approved changes with control.

Connect Claims Data Directly to Reserving

Coherent integrates your models directly to downstream claims systems and data warehouses so reserve models stay up to date automatically. Keep reserve calculations current as data changes.

Provide Clear, Auditable Reporting

Push Coherent-calculated reserves into BI tools so claims and finance leaders can act on accurate, real-time information without chasing down local files.

Rating

Publish pricing updates directly from Excel to core systems instantly—speeding up filings and product launches.

Illustrations

Deploy Excel-based illustration logic into client-ready systems with automated calculations and disclosures.

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Actuarial Modeling

Run tests, analyze scenarios, and standardize assumptions without rebuilding your models.

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Deliver Faster, More Accurate Reserving

Claims reserving has to move faster and deliver consistent results. Spark makes this possible.