Recursos

La biblioteca de referencia para los equipos del seguro moderno.

Guías, artículos explicativos, un glosario vivo y herramientas prácticas: los marcos, las normas y las ideas que están cambiando la suscripción, los siniestros, la gestión de pólizas y el trabajo actuarial, escritos para quienes responden de ellos.

El centro de recursos de AegisNow es una biblioteca gratuita y práctica para profesionales de suscripción, siniestros, actuarial y operaciones de pólizas. Recorre las normas y los marcos que definen el trabajo asegurador actual —de IFRS 17 y LDTI a Solvency II, NAIC RBC y la gobernanza de la IA— con explicaciones en lenguaje claro, un glosario con enlaces cruzados y herramientas para cuantificar el valor de operar el seguro sobre una única plataforma gobernada.

Guías y explicaciones

Ponte al día con las reglas del juego.

Desgloses rigurosos y sin jerga de las normas y los métodos que definen el trabajo asegurador. Filtra por tema y encuentra lo que importa a tu equipo.

AI Governance

AI governance for insurers: a practical framework

Insurers are deploying AI in underwriting, claims and service faster than most can govern it. Here is what the NAIC bulletin, Colorado's regime and the EU AI Act actually require — and the control set that satisfies all three.

4 de junio de 20269 min de lectura
Actuarial

IBNR and loss reserving explained: how insurers estimate what they owe

Loss reserves are an insurer's estimate of unpaid claims — including claims that have happened but nobody has reported yet. IBNR estimation is where actuarial judgement most directly shapes the balance sheet.

7 de mayo de 20269 min de lectura
Distribution

What is an MGA? Managing general agents, binding authority and bordereaux

A managing general agent underwrites and administers insurance on behalf of a carrier under delegated authority. MGAs are the fastest-growing distribution channel in specialty insurance — and the most operationally demanding.

9 de abril de 20269 min de lectura
Claims

What is straight-through processing in insurance claims?

Straight-through processing (STP) settles a claim from first notice of loss to payment with no human touch. Done well it cuts cycle times from weeks to days — done carelessly it pays fraud and leaks money.

12 de marzo de 20269 min de lectura
Actuarial

IFRS 17 explained: the insurance contracts accounting standard

IFRS 17 is the global accounting standard for insurance contracts. It replaced IFRS 4 with a single, transparent model that measures insurance liabilities at current value and releases profit as service is provided.

26 de febrero de 202610 min de lectura
Underwriting

Accelerated underwriting explained: life insurance without the wait

Accelerated underwriting uses data and predictive models to issue fully underwritten life insurance without invasive exams for qualifying applicants — cutting time-to-issue from weeks to days while holding mortality standards.

29 de enero de 20269 min de lectura
El glosario

Cada término del seguro, definido con claridad.

Una referencia de la A a la Z con 46 términos de seguros y enlaces cruzados, del ratio combinado al EU AI Act. Cada entrada enlaza con los términos relacionados y con los módulos que los ponen en práctica.

Accelerated UnderwritingAccelerated underwriting issues fully underwritten life insurance without exams or fluids for applicants whose data — prescription histories, MIB, motor vehicle records — supports a confident assessment. Applicants who do not qualify route into traditional underwriting; the mortality standard is unchanged, only the friction is removed.AppointmentAn appointment is a carrier's formal authorisation, filed with a state regulator, for a specific producer to sell its products in that state. Appointments must be maintained and renewed; business submitted by an unappointed producer exposes the carrier to regulatory action.Attending Physician Statement (APS)An APS is a report from an applicant's or claimant's doctor summarising their medical history, requested during life or disability underwriting and claims. APS retrieval is a classic cycle-time bottleneck — often weeks — which is why evidence orchestration and AI summarisation target it first.Binding AuthorityA binding authority (delegated authority agreement) is the contract in which a carrier grants an MGA or coverholder the power to bind coverage on its behalf, defining permitted classes, territories, limits, exclusions, referral triggers and capacity. Business bound inside the authority is automatically the carrier's risk.BordereauA bordereau (plural bordereaux) is the periodic detailed report a delegated-authority holder delivers to its carrier: premium bordereaux list every risk bound with its premium and commission; claims bordereaux list every claim with reserves and payments. It is how carriers book, reserve and report delegated business.Bornhuetter-Ferguson MethodBornhuetter-Ferguson is a reserving method that blends an expected loss ratio with actual emerging experience, shifting weight toward experience as an accident year matures. It is the standard choice for immature years, tempering the Chain Ladder's leverage on green data.CapacityCapacity is the maximum amount of premium or exposure a carrier makes available to a programme, treaty or market — the size of the pen. MGAs track written premium against capacity in real time; exceeding it is a serious breach of authority.Case ReserveA case reserve is the adjuster's estimate of what an individual open claim will ultimately cost, set claim by claim as facts develop. Case reserves plus IBNR make up an insurer's total loss reserves.
Herramientas

Calculadora de ROI para seguros

Modela en un par de minutos el ahorro de tiempo, coste y esfuerzo de gestión al pasar de herramientas aisladas a una única plataforma aseguradora gobernada.

De leer sobre seguros a operarlos.

Reserva una demostración de 30 minutos y trazaremos la correspondencia entre AegisNow y los marcos y dominios que acabas de leer, con tus datos delante.

Recursos de seguros — guías, glosario e informes técnicos | AegisNow | AegisNow Insurance