PQP X-RAY LITE

A diagnostic app for insurers to identify hidden structural variance across territories before it becomes reconciliation burden, governance pressure, or profit leakage.

Taxes, levies, FX, and structural adjustments before they create margin leakage.

Identifies hidden premium variance across territories

Hidden variance often sits in premium structure, not only in risk cost

What teams often see

Fragmented spreadsheets, local adjustments made without programme-level visibility, opaque treatment of statutory and structural charges, and difficult reconciliation across territories and programme layers — often surfacing only during audit or rene

The challenge often comes from how premium components beyond the underlying risk costs are applied and understood across jurisdictions: taxes, levies, fronting, commission, and FX.

What X-Ray Lite makes visible

Where structure may be inconsistent, where variance may be building across territories, and where closer review is likely warranted — presented in a clear diagnostic format suited to executive, governance, and underwriting review conversations.

THE CHALLENGE

01

Input the current structure

Enter a simplified programme structure across selected territories — basis, premium components, statutory charges, and structural adjustments — without needing a full actuarial model or complex data pipeline.

A clearer view of premium structure before variance becomes costly

02

Review structural signals

See where premium treatment may require closer review — where FX restatement, levy application, fronting margins, or distribution treatment appears inconsistent across the territory set.

03

Receive an executive diagnostic

Get a visual summary, key flags, and indicative materiality output — designed to support leadership conversations, governance submissions, and underwriting review without being spreadsheet-heavy.

Designed to produce usable business outputs

Premium structure mapping

How each premium component is applied and treated across territories — taxes, levies, fronting, reinsurance, commission, and FX.

Every output is designed to be visual, executive-friendly, and audit-aware — not spreadsheet-heavy.

Indicative materiality assessment

Approximate scale of structural variance to support prioritisation, leadership briefing, and governance conversations.

Territory comparison

Side-by-side structural view across all selected territories with variance indicators and structural consistency signals.

Structural consistency flags

Clear, prioritised signals where treatment inconsistency warrants closer review, explanation, or governance escalation.

Executive summary view

A visual, narrative-ready output suitable for underwriting review meetings, leadership packs, and programme sign-off.

Downloadable diagnostic report

Exportable report for audit trail, file documentation, governance pack inclusion, or cross-team sharing.

WHAT YOU GET

CORE CAPABILITIES

Built to make premium structure more visible

VISUAL DASHBOARDS

Teams managing multinational premium complexity

Multinational Insurers

Carriers and programme leaders managing cross-border structures where structural clarity matters.

Designed for the people who need structural clarity, not just actuarial models

Pricing teams

Technical pricing leads who need clearer structural transparency across territory and programme layers.

Underwriting leaders

Senior underwriters overseeing programme governance, territorial sign-off, and structural consistency.

Finance and programme stakeholders

Finance and programme managers reconciling premium treatment across territories and structures.

BUILT FOR