Loss Ratio Calculator

Calculate insurance loss ratios, expense ratios, combined ratios, and underwriting profitability metrics.

Earned Premiums

Incurred Losses

Paid Losses

Loss Adjustment Expenses

Underwriting Expenses

Loss Ratio

70%

Combined Ratio

95%

Underwriting Profit

$50,000

Profit Margin

Expense Ratio25%

Operating Ratio95%

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Formula

Loss Ratio = (Incurred Losses / Earned Premiums) × 100

Calculate claims frequency rates, pure premium, and loss per exposure unit for actuarial analysis.

Calculate underwriting risk, expected losses, risk-adjusted premiums, and capital requirements for insurance policies.

Calculate life insurance premiums using actuarial principles. Factors in age, gender, health status, and risk factors.

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