Loss reserve adequacy API

Compute loss-reserve adequacy as carried reserves ÷ required reserve (expected ultimate losses − paid-to-date), flagging redundancy or deficiency plus the reserve-to-premium ratio — the actuarial reserve-adequacy view. Deterministic. Answers 'are loss reserves adequate', 'reserve redundancy or deficiency', 'required IBNR reserve', 'reserve to premium ratio'.

Price$0.01per request

MethodPOST

Route/v1/calc/ins-reserve-adequacy

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcinsurancereservesibnractuarialadequacypandcclaims

API URLhttps://x402.hexl.dev/v1/calc/ins-reserve-adequacy

Integration docs

Example request

{
  "carriedReserves": 500000,
  "expectedUltimateLosses": 800000,
  "paidToDate": 300000,
  "earnedPremium": 1000000
}

Example response

{
  "metric": "loss-reserve adequacy",
  "requiredReserve": 500000,
  "carriedReserves": 500000,
  "adequacyRatio": 1,
  "reserveRedundancy": 0,
  "reserveDeficiency": 0,
  "rating": "adequate",
  "reserveToPremiumRatio": 0.5
}

Input schema

{
  "type": "object",
  "required": [
    "carriedReserves",
    "expectedUltimateLosses"
  ],
  "properties": {
    "carriedReserves": {
      "type": "number",
      "examples": [
        500000
      ]
    },
    "expectedUltimateLosses": {
      "type": "number",
      "examples": [
        800000
      ]
    },
    "paidToDate": {
      "type": "number",
      "examples": [
        300000
      ]
    },
    "earnedPremium": {
      "type": "number",
      "examples": [
        1000000
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}