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Best's Capital Adequacy Ratio Model - Global

Modelling the Impact of Risk Profile Changes on Insurer Capital

Evaluate an insurer's capitalization and risk profile with this model, consistent with the methodology used by AM Best analysts. Assess the impact of various scenarios, for ratings advisory, internal modelling, planning, competitive comparisons and business development.

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Best's Capital Adequacy Ratio Model - Global

About Best's Capital Adequacy Ratio Model - Global

Best's Capital Adequacy Ratio (BCAR) is an integrated review of a life, non-life or composite insurer's underwriting, financial performance and asset leverage. Best's Capital Adequacy Ratio Model - Global is an Excel-based tool that provides enhanced insight when evaluating balance sheet strength and enables users to model BCAR scores in accordance with their risk appetite.


Benefits of Best's Capital Adequacy Ratio Model - Global

 

Calculate the BCAR score for single or group life, non-life or composite insurers with this Excel-based tool.


Run BCAR scores on any company using your own assumptions.

   

Assess the impact on the BCAR score due to changes to reinsurance programs, asset valuations, business line diversification, losses, and asset allocation within a group.


Review results under different parameters: Standard, CatStress, Terror.


Calculate results under different confidence levels (VaR Value at Risk): VaR 95.0, VaR 99.0, VaR 99.5, VaR 99.6, VaR 99.8.


 

Use the interactive Summary Report to change parameters on the fly and generate insightful and revealing reports.


Enter data via the easy-to-use Data Input screen.


Link the Data Input screen to your existing data sources.


Solution For

  • Insurers
  • Reinsurers
  • Brokers
  • Consultants
  • Asset Managers
  • Risk Managers
  • Ratings Advisory
  • Actuaries

Product Features

  • An Excel-based tool to make assumptions or adjustments to Available Capital or Net Required Capital for your company or others
  • Interactive Summary Report allowing users to change parameters on the fly and generate insightful and revealing reports
  • BCAR scores calculated at five VaR levels: 95.0%, 99.0%, 99.5%, 99.6% and 99.8% 
  • Results calculated based on multiple parameters: Standard, CatStress, Terror 
  • Easy-to-use Data Input screen.

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