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General Overview

1. What is the What-If platform?▸

The What-If product is a portfolio impact analysis solution that enables business users to simulate premium impacts by applying rate changes against a Book of Business (BoB) without affecting production systems.

It helps actuarial, product, and business teams analyse:

  • Premium impact
  • Rate adequacy
  • State-level impact
  • Coverage-level impact
  • Segment-level impact
  • Portfolio-wide financial changes
2. What is the primary purpose of the What-If product?▸

The primary purpose is to evaluate how proposed rate changes impact an existing portfolio of policies before implementing the changes in production.

3. Does the What-If product modify production data?▸

No. The What-If product performs simulation and analysis only. Production data and production rate plans are not modified.

4. Is What-If a rating engine?▸

No. The What-If product orchestrates portfolio re-rating and impact analysis by leveraging the configured Rating Engine.

5. What is a Scenario?▸

A Scenario is a simulation setup containing:

  • Book of Business data
  • Selected product / plan / version
  • Proposed rate changes
  • Execution details
  • Reporting outputs

Each Scenario represents a unique impact analysis execution.