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How We Work

Our Valuation Process

A streamlined, transparent process designed to deliver accurate IFRS 17 valuations within your audit timeline.

01

Scoping & Data Collection

We begin by understanding your organisation's product portfolios, contract boundaries, and reporting requirements. We provide a clear data request template to streamline the process.

  • Initial consultation to define contract groups
  • Standardised data request template provided
  • Data quality checks and historical grain analysis
  • Timeline and deliverables agreed
02

Assumption Setting

Our actuaries select and document appropriate financial and demographic assumptions, including discount rate curves and risk adjustment parameters.

  • Discount rate derivation (Top-down/Bottom-up)
  • Risk adjustment (Confidence level/Cost of capital)
  • Mortality, lapses, and expense analysis
  • Assumptions memo for auditor review
03

Actuarial Modelling

Using the appropriate IFRS 17 measurement models (GMM/BBA, PAA, or VFA), we project future cash flows and determine fulfillment values.

  • Group-level fulfillment cash flows (FCF)
  • CSM (Contractual Service Margin) determination
  • Insurance Finance Income/Expenses (IFIE)
  • Loss component identification
04

Sensitivity & Scenario Analysis

We test the impact of changes in key assumptions to provide a complete picture of risk and fulfill IFRS 17 disclosure requirements.

  • Yield curve and credit spread sensitivities
  • Non-financial assumption stress tests
  • Risk Adjustment sensitivity analysis
  • Combined scenario modeling
05

Report & Disclosure Schedules

We prepare comprehensive valuation reports and audit-ready IFRS 17 disclosure schedules, including CSM and RA reconciliations.

  • Full valuation report with methodology
  • CSM and Risk Adjustment movement analysis
  • Statement of Financial Position presentation
  • Insurance Revenue & Service Expense schedules
06

Audit Support & Sign-off

We work directly with your auditors to address queries, explain methodology, and ensure smooth sign-off of the IFRS 17 figures.

  • Direct communication with auditors
  • Methodology policy paper support
  • Detailed calculation backing sheets
  • Amendments and revisions as needed

Typical Turnaround: 8–12 Weeks

From data receipt to draft report, our meticulous processes and experienced team deliver compliant IFRS 17 results within your reporting milestones — even for complex multi-jurisdiction portfolios.

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