Background
Balance growth and risk by aligning premiums, claims, and customer segments with underwriting discipline.

Assess Auto Insurance Portfolio Risk and Profitability Drivers Tagline

Evaluate policy distribution, premium revenue, claims behavior, and customer risk segments to strengthen underwriting and pricing decisions.

Insurance Industry Medium 45 min
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Why This Work Was Commissioned

Insurance leadership requires a consolidated assessment of portfolio performance to balance growth with risk control. This analysis supports underwriting strategy, pricing refinement, claims management, and targeted customer acquisition.

Revolutionary Active Learning

  • You must calculate claim frequency, severity, and loss ratios to assess underwriting efficiency and profitability.
  • The analysis should identify high risk customer and regional segments contributing to elevated claims.
  • Your findings must provide actionable recommendations to refine pricing, strengthen underwriting standards, and improve portfolio profitability.

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Skills that will help before starting:

  • Excel analytical skills
  • Understanding of insurance metrics
  • Ability to interpret claims data

Skills you will learn and practice:

Claims Performance Analysis Risk-Based Pricing Insight Loss Ratio Interpretation Insurance Reporting
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Why This Simulation Works

Underwriting-Relevant Metrics

  • All calculations align with profitability and risk management decisions.

Segment-Level Risk Visibility

  • Risk is evaluated across customer, region, and coverage dimensions.

Operational Applicability

  • Outputs mirror how insurers review portfolio health.

Simulation Breakdown

1 Excel Review Insurance Dataset
  • Understand policy, premium, and claim attributes
  • Validate customer and coverage fields
2 Excel Analyze Portfolio Overview
  • Compute policy counts and premium revenue
  • Evaluate coverage mix
3 Excel Assess Claims and Loss Ratios
  • Calculate claim frequency and average claim value
  • Analyze loss ratio trends
4 Excel Evaluate Customer and Regional Risk
  • Compare age, gender, and location-based risk
  • Identify high-claim segments
5 Excel Prepare Management Outputs
  • Draft auto insurance performance memo
  • Create executive presentation for underwriting and pricing teams

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