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現代の保険を形づくる規制と手法について、実務者レベルで分かりやすく解説します。ルールを読む段階から、実際に運用する段階へ。
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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