Winner / Loser Report
1. What is the Winner / Loser Report?▸
The Winner / Loser Report analyses the impact of proposed rate changes on individual policyholders and categorises them based on premium movement:
- Winners – Premium decreases
- Losers – Premium increases
- Neutral – Minimal premium change
The report helps identify how many policyholders benefit from or are adversely impacted by the proposed scenario.
2. How is a policyholder classified as a Winner or Loser?▸
Each policy is assigned to a band based on the overall percentage change from Charged Premium to Proposed Premium.
% Change = (Proposed − Charged) / Charged - 100
3. What are the Winner / Loser bands?▸
| Band | Description |
|---|---|
| >20% Decrease | Significant premium reduction (Strong Winner) |
| 5–20% Decrease | Moderate premium reduction |
| Within ±5% | Minimal or no premium impact |
| 5–20% Increase | Moderate premium increase |
| >20% Increase | Significant premium increase (Strong Loser) |
4. Why is Charged Premium used as the baseline?▸
Charged Premium represents the premium actually billed to the policyholder. Using it as the baseline helps measure the true customer impact of the proposed changes.
5. What does the Winner / Loser Distribution chart show?▸
The distribution chart displays the number of policies falling into each premium change band, providing a portfolio-level view of customer impact.
6. What does "% of Book" represent?▸
% of Book shows the proportion of the total portfolio that falls within a specific band.
% of Book = (Policies in Band / Total Policies) - 100
7. What does Avg Δ% vs Charged mean?▸
Avg Δ% vs Charged represents the overall premium-weighted impact for all policies within a band. It is not a simple average of individual policy percentages.
Avg Δ% = (Total Proposed − Total Charged) / Total Charged - 100
8. Why is Avg Δ% calculated using premiums instead of policy averages?▸
Premium-weighted calculations provide a more accurate representation of financial impact. A simple average could be skewed by policies with very small premiums. Using premium totals ensures that larger premium exposures are appropriately reflected.
9. What information is displayed in the Policy Detail table?▸
| Column | Description |
|---|---|
| Policyholder | Customer name or policy identifier |
| Charged | Original premium billed |
| Current | Premium using current rates |
| Proposed | Premium using proposed rates |
| Δ vs Charged | Overall premium change percentage |
| Band | Assigned Winner / Loser category |
10. What business questions does this report answer?▸
The Winner / Loser Report helps answer:
- How many policyholders will see a premium increase?
- How many policyholders will receive a premium decrease?
- Which segments are most impacted?
- What percentage of the portfolio experiences significant rate shock?
- What is the financial impact by change band?
- Are proposed changes creating an acceptable customer impact profile?