Life Risk Navigator

Digitization in the life insurance industry has lowered barriers to entry, squeezing profit margins and amplifying the need for modern systems and advanced risk analytics.

Life Risk Navigator, a cloud-based stochastic risk modeling platform, offers in-depth portfolio analytics to enhance risk selection, quantify changes in mortality rate, improve hedging strategies, and drive better financial decision-making.

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Capture Trend Risk at an Individual Level

Life insurance underwriting traditionally uses industry tables and long-term trends based on historical averages. These one-size-fits-all trends ignore variability among factors such as age, sex, regionality, and socioeconomic cohort, as well as trend risk over time. Assessing and simulating risk at an individual level diminishes adverse selection, increasing profitability through greater pricing precision.

Verisk’s risk models and proprietary data assets not only model detailed cause-of-death scenarios but can also augment policyholder data within your portfolio. Life Risk Navigator can provide probabilistic analyses and enhancements for portfolios ranging from bare-bones policy data to those with detailed health information.

Tap into Insights across a Full Risk Distribution

Making pricing and other risk decisions based on a single point on a distribution leads to a lot of guesswork. Life Risk Navigator simulates a range of stochastic scenarios, providing robust risk metrics, capturing uncertainty, and offering insight into correlations between policies and portfolios. This full range of tail risk metrics enables portfolio benchmarking, optimization, and Solvency II modeling.

Read “Machine Learning and the Race to Digitization in the Life Market”

Seamlessly Integrate Excess Mortality Scenarios

A pandemic, terrorist attack, or earthquake could cause a major financial shock to your portfolio.

Considering the impact of these relatively short-term excess mortality events commonly requires information from disparate data sources and models.

Streamline your concentration management using Life Risk Navigator to integrate these scenarios directly into your view of risk.

Access Your Risk Analytics in a Single Platform

Maintaining workflows across disparate data and analytics sources is time-consuming and disruptive. Evaluating life insurance, annuity, and pension risk transfer products in separate places leaves room for error. Life Risk Navigator unifies these workflows and data sources into a single, easy-to-use, and customizable platform, adding efficiency and simplicity to your business.

Ready to See Life Risk Navigator in Action?

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To support life insurers across the policy life cycle, Verisk has developed a suite of solutions that apply advanced analytics, automation, and machine learning to existing and emerging data sources. The solutions are designed to transform existing workflows in life insurance underwriting, life and pension analytics, claim insights, compliance and fraud detection, and actuarial and portfolio modeling. To learn more about Verisk’s life insurance solutions, visit



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