AIPX3 // Continuous Reserve Validation
Catastrophes make headlines.
Improper reserves kill insurers.
Deficient loss reserves are the leading cause of US property and casualty insurer failure. Most boards learn theirs were inadequate from the auditor, the rating agency, or the regulator. The AIPX3 hybrid AI platform validates reserves continuously against the live signals that move them, so you find out first. We service all forms of reserves.
~40%
of US P&C insurer impairments are caused by deficient reserves and inadequate pricing, the leading cause on record
A.M. Best impairment studies$31.3B
in nuclear verdicts in 2024 alone, up 116% in one year. 135 verdicts over $10M; five exceeded $1B
Marathon Strategies, 2025$15.8B
of adverse prior-year casualty development in 2024, the worst year ever recorded
S&P Global Market Intelligence$20.7B
of industry reserves sitting redundant at year-end 2025, idle capital in some lines while casualty bleeds
Assured Research, 2026