AIPX3 // Continuous Reserve Validation

Catastrophes make headlines.
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. AIPX3 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
AIPX3

One engine. Every reserve. Full provenance.

Reserves are set once and reviewed quarterly; the forces that destroy them move daily. AIPX3 wires live litigation, economic, weather, and cyber signals into continuous reserve validation, in both directions: deficiency that threatens solvency, and redundancy that starves growth.

Find out before the auditor does.

Your statutory data, our engine, one meeting. If your reserves hold, you will know why. If they do not, you will be the first to know, not the last.

Request a Reserve Briefing