What we offer

Capital Optimisation

We support firms exploring a wide variety of management actions to optimise the balance between profitability, risk, and capitalisation.

Matching Adjustment (MA) Optimisation

Our expert team identifies asset eligibility and optimises the portfolio in order to reduce the value of a firm’s liabilities and capital requirements.

Regulatory Developments

4most has vast experience in helping insurers assess the impact of proposed changes to SII regulations on their business, as well as facilitating the development and validation of any required model changes.

Reporting Process

We help firms review their reporting processes to identify critical paths, optimise workflows, and enhance internal control processes.

Internal Model Development

Our specialist team supports insurers with the development of a partial or full internal model that is more tailored to their risk profile, ensuring regulatory requirements are satisfied.

  More about Solvency II

Solvency II regime has evolved since it became effective in January 2016 and continues to provide challenges as the main regulatory regime within the EU and in the UK. These challenges include more extensive and detailed reporting requirements as well as a greater focus on capital management. Our team has proven experience in solving these complex challenges.

 Why choose 4most

We’re experienced

We have extensive experience in the development of internal models and can help firms design, implement, and validate new internal models.

in-house capabilities

We can test a firm’s MA portfolio using our in-house optimisation solutions to help develop the most appropriate portfolio.

a wide breadth of experience

We can support firms to produce SII results, under both standard formula and internal model calculations along with producing quantitative and qualitative Pillar III reports.

“We are thrilled with the significant capital reductions seen, as a result of working with 4most. We wouldn’t hesitate in recommending them.”