Rating and quoting
Turn actuarial pricing models into guided quoting tools for internal teams, brokers, agents, or customers.
Insurance
Turn insurance models into controlled applications for every participant.
Actuaries and underwriters often build critical logic in Excel. Pagos helps deliver that expertise to brokers, agents, customers, and internal teams without distributing the workbook itself.
Insurance applications
Support the path from submission to decision.
Spreadsheet-powered applications can combine calculation-heavy rules with guided inputs, structured records, workflow, and documents.
Underwriting and eligibility
Apply established rules consistently, collect supporting details, and route cases that need specialist review.
Claims and risk analysis
Standardize recurring calculations, scenario analysis, reserving inputs, and decision-support models.
Documents and reporting
Generate quotes and other outputs while retaining the underlying inputs and results as structured records.
Control without recoding
Keep insurance logic close to the people responsible for it.
Protect formulas and models
Application users interact with forms and results while proprietary calculation logic remains on the platform.
Replace distributed versions
Publish rate, rule, and eligibility updates once instead of asking every user to replace a local spreadsheet.
Integrate where needed
Use the model through a SpreadsheetWeb interface, embed it, or expose selected calculations to another system through an API.
A governed calculation path
From the actuarial model to a consistent insurance workflow.
- 01
Maintain the rules in Excel
The business specialists who understand the product continue to work with recognizable formulas and assumptions.
- 02
Guide every submission
Responsive forms collect the information required for rating, eligibility, underwriting, or analysis.
- 03
Calculate and review
The application runs the workbook logic, applies workflow, and presents clear results without exposing the file.
- 04
Retain the record
Inputs, outputs, statuses, and generated documents can remain connected for reporting and operational follow-through.
Customer perspective
A better way to control insurance tools.
Reinsurance Management Associates replaced distributed workbook versions with a centrally managed application.
The Pagos tool removes all of that headache, and now we have full control over the users and the version they are using.
See the insurance capabilities on SpreadsheetWeb.
Explore insurance examples, customer perspectives, and the product capabilities behind rating and underwriting applications.