Actuarial-grade IFRS 17 solutions
Complete IFRS 17 implementation platform featuring contractual service margin (CSM), risk adjustment, discounting curves, and automated disclosure packages.
Cash FlowsRisk AdjustmentDiscountingCSMDisclosuresCSM Calculation Engine
Automated contractual service margin computation with coverage unit allocation and release patterns
Risk Adjustment Modeling
Confidence-level based risk adjustment across insurance portfolios with regulatory alignment
Yield Curve Discounting
Advanced curve simulation for time value of money adjustments with multiple curve methodologies
Fulfillment Cash Flows
Scenario-weighted cash flow projections with economic and non-economic assumption engines
Comprehensive IFRS 17 capabilities
Actuarial precision meets automation for insurance contract measurement and disclosure
Portfolio Setup
Insurance groups, measurement models
Assumptions Engine
Economic, non-economic drivers
Disclosure Pack
Committee-ready IFRS 17 artifacts
Validation
Backtests and stress runs
Actuarial Governance
Documentation and sign-off support
Integrations
Policy admin and reporting systems
Be among the first to implement IFRS 17
Join the waitlist to gain early access to Estimator 17 and benefit from actuarial-grade precision built for modern insurance enterprises
Be first to experience Estimator 17
Secure your spot for early access and implementation support from our actuarial team
Insurance and reinsurance compliance solutions
FineIT provides end-to-end IFRS 17 compliance for life, general, and reinsurance carriers through Estimator 17, a unified actuarial engine supporting all three measurement models: General Measurement Model (GMM), Variable Fee Approach (VFA), and Premium Allocation Approach (PAA). Estimator 17 handles cohorts, CSM roll-forward, risk adjustment, reinsurance held, and onerous contract testing within a single audit-ready workflow.
Insurance clients use Estimator 17 for measurement, Basel Analytics Suite for solvency-side disclosures where applicable, and Model Validation services for independent actuarial review. Outputs are accepted by KPMG, PwC, Deloitte, and Ernst & Young actuarial teams, with standard exports to SAP, Oracle, and AARO for group consolidation.
Support covers life insurers with participating business, takaful and family takaful operators, general insurers with short-duration contracts, medical insurers, and reinsurers (both proportional and non-proportional). Regional regulatory extensions include CBUAE and SAMA IFRS 17 supervisory templates.
Key facts
- IFRS 17 measurement models supported: GMM, VFA, PAA
- Coverage: life, general, medical, takaful, family takaful, reinsurance
- CSM roll-forward, risk adjustment, onerous contract testing included
- Reinsurance held: modelled on both proportional and non-proportional treaties
- Big 4 audit approval: KPMG, PwC, Deloitte, Ernst & Young
- Exports: SAP, Oracle, AARO consolidation-ready
- Regional supervisory templates: CBUAE, SAMA, and more
Frequently asked questions
Does Estimator 17 support all IFRS 17 measurement models?
Yes. Estimator 17 supports General Measurement Model (GMM), Variable Fee Approach (VFA), and Premium Allocation Approach (PAA) in a single engine, with consistent cohort, CSM, and risk adjustment logic across models.
Can takaful and family takaful operators use Estimator 17?
Yes. Estimator 17 includes Shariah-compliant contract templates for takaful and family takaful, with separate policyholder and participants’ funds, Qard hasan handling, and AAOIFI-aligned disclosures.
How is reinsurance held modelled?
Estimator 17 models reinsurance held separately under IFRS 17, supporting both proportional (quota share, surplus) and non-proportional (excess of loss, stop-loss) structures. Cash flow matching with underlying contracts and contract boundary alignment is handled automatically.
Does Estimator 17 export to group consolidation tools?
Yes. Direct exports are available for AARO Systems AB group consolidation, SAP, and Oracle ERP/GL. Custom exports for proprietary consolidation tools are supported via API or CSV templates.
Which auditors approve Estimator 17 outputs?
Outputs from Estimator 17 are accepted by KPMG, PwC, Deloitte, and Ernst & Young actuarial audit teams. Disclosure packs align with IFRS 17.93–.132 requirements including sensitivities, reconciliations, and risk adjustment bases.