Segment Analysis Report
1. What is the Segment Analysis Report?▸
The Segment Analysis Report breaks down premium impact across different rating variables or business segments, helping users understand how proposed rate changes affect various parts of the portfolio.
Common segment dimensions include:
- Agent Code
- Territory
- ZIP Code
- State
- Vehicle Type
- Coverage
- Policy Tenure
- Risk Class
The report highlights which segments contribute most to overall premium changes.
2. What do the Charged, Current, and Proposed Premium bars represent?▸
| Premium Type | Description |
|---|---|
| Charged Premium | Original premium billed to policyholders |
| Current Premium | Premium recalculated using current rates |
| Proposed Premium | Premium calculated using proposed scenario rates |
3. What does Δ% represent?▸
Δ% represents the overall premium impact from Charged Premium to Proposed Premium.
Δ% = (Proposed − Charged) / Charged - 100
Example – Agent 001:
- Charged Premium = $36,867
- Proposed Premium = $43,475
- Result: +17.9% premium increase
4. What does the Segment Summary table show?▸
The Segment Summary aggregates policy-level data into segment-level metrics. Each row represents one segment, showing policy count and Charged, Current, and Proposed premiums alongside variance percentages.
5. What does Cur vs Chg (%) mean?▸
Cur vs Chg (%) measures the premium movement from Charged Premium to Current Premium.
Cur vs Chg (%) = (Current − Charged) / Charged - 100
6. What does Prop vs Chg (%) mean?▸
Prop vs Chg (%) measures the premium movement from Charged Premium to Proposed Premium.
Prop vs Chg (%) = (Proposed − Charged) / Charged - 100
7. How can this report be used by business users?▸
Business users can:
- Identify impacted agents or territories
- Analyse customer impact
- Evaluate growth opportunities
- Assess profitability changes
- Review distribution channel performance
8. How do filters affect the Segment Analysis Report?▸
All report metrics update dynamically based on selected filters. When filters are applied, policy counts, premium totals, segment rankings, and percentage impacts all recalculate to reflect only the filtered population.