One live model of all seven risk domains across your legal entities and lines — wired to the Solvency UK balance sheet and the ORSA, with climate embedded where SS5/25 now expects it, under dual PRA and FCA scrutiny.
A UK insurer carries dual PRA and FCA scrutiny, a Solvency UK capital regime, an ORSA that has to be genuinely forward-looking, and — across life and general insurance — very different risk shapes sitting under one group. Abgalis brings the seven domains — market, credit, liquidity, insurance, operational, climate & ESG, and strategic & emerging — into one continuously updated model that resolves to the SCR and the questions the PRA actually asks.
It is analytics, not authority: your actuarial and risk functions retain ownership of every regulatory and capital judgement. Abgalis is the intelligence layer beneath them.
A live, auditable risk profile across entities and lines, so board reporting, the SFCR and PRA engagement draw on one current model rather than a periodic reassembly of siloed inputs.
Climate risk embedded across underwriting, reserving, investments and operational resilience, and flowing into the ORSA — the integration the PRA's SS5/25 expectations push firms toward.
Cross-domain dependencies made explicit rather than buried in a correlation matrix, so the SCR can be stress-tested and explained under supervisory challenge.
Because the model is integrated, you can play a shock through it — a market move, a reserve deterioration, a credit or liquidity event, a climate scenario — and watch it cascade across domains and resolve to the Solvency UK position, in your own language.
See it on the war-gaming view, how the integrated proposition compares with the tools you run today on the comparison for insurance, and the wider case in integrated ERM & climate for insurers. If you also run Lloyd's business, see for Lloyd's managing agents.
Abgalis gives a UK insurer one continuously updated model of all seven risk domains across its legal entities and lines, wired to the Solvency UK balance sheet and the ORSA, with climate embedded where SS5/25 expects it. It is a data and analytics layer beneath the actuarial and risk functions, which retain accountability for regulatory judgements.
The same integrated model feeds the ORSA — including forward-looking and stress scenarios — with climate risk running through underwriting, reserving, investment and operational resilience rather than sitting in a separate annex. Scenarios can be played through the model and shown resolving to the SCR.
It makes the dependencies between risk domains explicit rather than leaving them inside a correlation matrix, so the SCR can be stress-tested, attributed and explained under PRA challenge. The capital calculation itself remains owned by the firm's actuarial function.
The PRA's SS5/25 expectations push firms to embed climate risk across the business rather than treat it as a standalone exposure. Abgalis embeds climate as one of the seven domains so it flows into capital, underwriting and the ORSA by construction. Firms should confirm the current status and effective date of SS5/25 against the PRA's own publications.
Yes. The model holds a coherent view across different risk shapes and legal entities at once — so life and general insurance business can be seen in their own terms and at group level, and their risk profiles compared within one framework.
No. Abgalis is an intelligence and integration layer above the specialist tools you already run — the internal or standard-formula capital model, vendor cat models, reserving and pricing. It makes the dependencies between them explicit; it does not replace them or the actuarial function's ownership of the numbers.
No. Abgalis Limited is a risk data and analytics provider, not an authorised or regulated firm, and does not provide regulated advice. Responsibility for regulatory submissions and capital judgements remains with the insurer and its accountable functions.
Abgalis is designed to operate against a firm's risk estate with data-handling and operational-resilience expectations (including DORA-style third-party considerations) treated as first-order requirements. Specific deployment and data-residency arrangements are agreed per engagement and confirmed contractually.
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Abgalis Limited is a risk data and analytics provider, not an authorised or regulated firm, and does not provide regulated, actuarial or legal advice. References to Solvency UK, the SCR, the ORSA and SS5/25 describe the regulatory context firms operate in; accountability for all regulatory and capital judgements remains with the insurer. Firms should verify current regulatory requirements against PRA and FCA source material.
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