Underwriting Risk Calculator

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

Policy Value

Annual Premium

Probability of Claim

Expected Claim Amount

Worst Case Claim

Reinsurance Coverage

Expected Loss

$1,000

Underwriting Profit

$9,000

Profit Margin

90%

Risk Score

2 / 100

Risk-Adjusted Premium$10,000

Capital Requirement$50,000

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Formula

Expected Loss = Probability × Claim Amount

Calculate Value at Risk (VaR), Conditional VaR, and risk metrics for actuarial risk assessment.

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