Decision confidence in Insurance: Building resilient pricing, persistency, and loss ratio strategies under volatility and regulatory pressure

Insurance decision-making has never lacked data. What it has increasingly lacked is confidence. 

For years, pricing, persistency, and loss ratio decisions have been built on disciplined models, periodic refresh cycles, and well-defined functional ownership. The intent was sound. The governance was familiar. Yet outcomes have become harder to defend as volatility meets real-world execution. 

This white paper examines why volatility has broken traditional insurance decision-making and why decision confidence is emerging as a critical operating capability across Life & Annuities and Property & Casualty. 

What this white paper covers 

• Why persistent volatility exposes the limits of static pricing and assumption cycles 
• How fragmented decision ownership across actuarial, underwriting, claims, and finance weakens defensibility 
• Why speed without confidence increases risk in pricing, persistency, and loss ratio management 
• How resilient insurers design decisions to be explainable, repeatable, and stress-tested over time 
• Why modernization alone does not fix broken decision logic 

This paper is written for insurance leaders who recognize that the challenge today is not making more decisions faster, but ensuring those decisions remain defensible as conditions change. 

Download the white paper