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ガイドと解説

ゲームのルールを読み解く。

保険業務を規定する規制と手法を、専門用語に頼らず掘り下げて解説します。テーマで絞り込み、チームに必要な記事を見つけてください。

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.

2026年6月4日読了 9 分
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.

2026年5月7日読了 9 分
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.

2026年4月9日読了 9 分
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.

2026年3月12日読了 9 分
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.

2026年2月26日読了 10 分
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.

2026年1月29日読了 9 分
用語集

保険のすべての用語を、平易に定義。

コンバインド・レシオから EU AI Act まで、46 件の保険用語を相互リンク付きで A–Z 収録。各項目は関連用語と、それを実装するモジュールにリンクしています。

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.
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分断された個別ツールから統制されたひとつの保険プラットフォームへ移行した場合の、時間・コスト・運用工数の削減を数分で試算できます。

保険を読むことから、動かすことへ。

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