Property & Casualty advisory services
Appleseed
Accelerating risk innovation
Insurtech innovation must meet regulatory standards
- Big data and advanced analytics can transform insurance risk measurement and pricing
- State-by-state regulatory approval of new risk scores and methodologies can be costly and slow, increasing time to market for innovation
- This dynamic restricts insurtechs from acquiring new customers, favors incumbents, and slows adoption of innovative products
Accelerate pricing innovation
Milliman Appleseed is an advisory organization licensed to submit loss costs, rating factors, and risk scores with state insurance regulators across the U.S. Insurtechs with new and innovative risk scoring approaches can meet regulatory requirements faster, more easily, and at lower cost, by filing through Milliman Appleseed.
We can manage the entire process end to end, including filing products with state insurance departments directly. Insurers can immediately adopt approved rating plans and scores, and a B2B insurtech can obtain regulatory approvals even before they get their first insurer on board.
Insights, expertise, and experience
For insurers
Our best-in-class products and transformative technology enable you to achieve your strategic goals faster. With affordable, pay-as-you-go access, you don’t have to build out these capabilities internally—and you get responsive service to ensure continuous value.
For vendors
Our business model is based on partnership, not ownership—your intellectual property belongs to your organization, always. With fast state rollouts, you can speed up ROI.
Focused on your solution
As an independent advisory organization, we are dedicated to tailoring services to fit your unique business opportunity and getting your solution to market faster.
Securing approvals
Our extensive experience and trusted relationships with state insurance departments, combined with our expertise in innovative ratemaking and predictive modeling methods, enables us to get approvals for complex methodologies and tough jurisdictions.
Appleseed benefits
Get to market faster
Improve your speed to market, accelerate growth, and foster agile innovation.
Sell at scale
Accelerate filing rollouts that speed up launch of customers’ countrywide programs.
Cut costs and risks
Reduce the costs associated with adopting new scores, while reducing the risk of non-approval.
Learn more about products and services available through Appleseed
Milliman AccuRate Fleet
AccuRate Fleet™は、車両のエクスポージャーおよび運転行動リスクについて、より正確な料率設定を可能にする目的で設計した利用ベース自動車保険スコアです。
Bungalow
ミリマンのBungalowは、アドバイザリー損害コスト、リスク区分料率ファクター、料率設定ルールを含む民間洪水保険プランです。
PinPoint
ミリマンのPinPointは、保険会社がコスト効率的に地理空間情報を用いて住宅保険および洪水保険を評価し、料率設定を行い、市場に出す支援をします。
Related services
Augmentation & AI
Insurers face increasing complexity and information overload. We use artificial intelligence (AI) to do the heavy lifting, freeing experts to discover opportunities and create value.
Claims consulting
Lower loss and loss adjustment expense costs, get litigation support, and improve claims operations.
商品開発とプライシング:保険
ミリマンのデータ、分析、コンサルティングの知見を活かしたサポートにより、洗練された進歩的な保険商品を合理的な費用でお届けします。
プレディクティブ分析ソリューション
お客様の重要なビジネスインサイトを活用したアクションを可能にする、お客様のデータに隠れた貴重な情報を見つけてください。
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