PathWise
A Changing Landscape for Life and Annuity Re/insurers
Life and annuity re/insurers face increasing pressure to manage growing modeling complexity, comply with evolving regulation, and deliver faster, decision-ready insight. Traditional actuarial processes, often reliant on disconnected tools and manual workflows, can make it difficult to respond with speed and confidence. As decision-making becomes more continuous, organizations need to:
- Balance growth, risk, and capital in a volatile environment
- Meet complex regulatory and financial reporting standards, such as IFRS 17, US GAAP and STAT, Bermuda, and other global capital regimes
- Support sophisticated pricing, hedging, asset liability management (ALM), and capital optimization decisions
- Deliver reliable projections and valuations at scale and on tight timelines
At the same time, organizations are looking to embed advanced analytics and AI into their workflows, while maintaining strong governance, transparency, and control. This is driving demand for a more integrated approach to actuarial modeling, balance sheet analytics and decision-making.
PathWise: Enterprise Actuarial Modeling and Operations Platform
PathWise is an Enterprise Actuarial Modeling and Operations Platform for life and annuity balance sheet reporting and analytics. It connects modeling, workflow, data, and governance to deliver real-time, mission-critical balance sheet information for regulatory reporting, risk management, pricing, and more. Insurers trust PathWise to deliver needed insights with the confidence required to make intelligent, informed business decisions.
Bringing actuarial modeling and operations together in one enterprise platform, PathWise enables insurers to:
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Evaluate
Continuously evaluate growth, risk, capital, and financial performance in a volatile environment
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Govern
Govern models, data, and workflows with full transparency
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Automate
Automate actuarial and finance processes at scale
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Generate
Generate more timely, decision-ready insights that can be used across the business
Underpinned by GPU-native performance and designed for seamless automation, PathWise enables complex actuarial analysis to be completed in minutes rather than days. This helps organisations move from periodic modeling processes towards more responsive balance sheet reporting and decision-making.
AI-enabled capabilities support model development, maintenance, analysis and operational workflows. PathWise provides a governed environment for human and AI activity, helping actuarial teams increase productivity whilst retaining transparency, auditability and control.
Since inception, PathWise has been developed and optimized for the actuarial modeling use case. The GPU-native model architecture has been refined and optimized for over a decade to deliver unmatched efficiency for modeling solutions. With AI, the design, actuarial content, and technology advantages of PathWise are being amplified with intelligence to drive additional productivity gains, efficiency, and advanced insights.
How PathWise Helps
PathWise helps life and annuity re/insurers manage complexity by bringing actuarial modeling, operations, data and governance together in one enterprise platform. This supports more efficient reporting and analysis, stronger controls, and more informed risk and capital decisions across the enterprise.
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Operate across the full actuarial modeling lifecycle
- Support pricing, projections, valuation, capital management, and ALM
- Connect data, modeling, governance, and decisioning in one platform
- Provide a consistent foundation across actuarial and finance activities
- Reduce fragmentation across tools, teams, and processes
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Faster, cheaper model runs means more business value
- Run complex, large-scale models significantly faster using GPU-native architecture
- Dramatically reduce cloud compute cost for stochastic and nested simulations
- Enable on-demand analysis through automation efficiency and processing speed
- Support continuous, responsive decision-making
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Run a more efficient, AI-enabled actuarial function
- Automate end-to-end production processes and reduce manual intervention
- Leverage AI to shorten timelines and reduce operational effort
- Manage hybrid, AI-native workflows with consistent, rigorous governance
- Improve transparency, auditability, and control
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Enable better enterprise decisions
- Access real-time scenario testing and “what-if” analysis via simple AI prompting
- Embed actuarial insight directly into automated business workflows
- Deliver timely, decision-ready financial and risk intelligence
- Support faster, more informed decisions across pricing, capital, and strategy
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Support growth, risk, and capital optimization
- Inform pricing, product development, and portfolio strategy
- Optimize capital allocation and balance sheet resilience
- Enhance ALM, hedging, and financial planning decisions
- Understand the impact of different scenarios on performance and profitability
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Remove traditional trade-offs
- Combine speed, flexibility, and modeling complexity in a single platform
- Scale modeling sophistication without compromising transparency
- Reduce effort with AI agent support and elevate resources to greater value-add activities
- Enable greater agility across actuarial and finance teams without sacrificing quality or control.
The future of actuarial modeling is being defined by PathWise - a real-time balance sheet analytics platform. Powered by a proprietary GPU-based calculation engine and amplified with AI-native workflows, PathWise is revolutionizing actuarial modeling and operations for the benefit of our clients and the industry.
To Find Out More
To explore how PathWise can help your organization:
- Modernize actuarial modeling and operations
- Accelerate balance sheet reporting and analytics
- Improve automation, governance, and operational efficiency
- Enable stronger capital, risk, and product decisions
Connect with Aon’s Life Solutions specialists to discuss your priorities and next steps.
