Underwriting and investment book monitoring on a single forward looking view.

From NAIC designations to underwriting decisions, a continuously updated credit layer for life, P&C, and reinsurance.

A new credit operating layer

What insurance credit oversight looks like when AI actually works. Insurers manage massive credit exposures on both sides of the balance sheet, with capital requirements that demand defensible methodology. Most vendors offer either narrow data feeds or AI without the governance posture insurers require. AIR is the first platform built to give insurance investment, ALM, and underwriting teams a continuously updated credit view that aligns with NAIC, Solvency II, and asset adequacy standards.

Credit machine learning at the core

Twenty years of credit events trained into a statistical engine. Defensible across cycles and aligned with the rigor your capital and actuarial teams expect.

Specialized ML at the core. Gen AI on top.

ML produces the credit signal. Gen AI drafts underwriting and investment memos, supports asset adequacy work, and answers natural language questions. Both, by design.

Capital grade governance built in

Full model documentation. Backtest reports. No customer data used for training. Aligned with NAIC, Solvency II, and the standards your model risk team expects.

Workflows accelerated

What AIR does for insurers.

01

Investment portfolio credit oversight

A single forward looking view across the entire investment book, refreshed daily.

02

NAIC designation support

AIR scores mapped to NAIC designations, ready for filings and capital calculations.

03

Solvency II SCR for credit risk

Forward looking PDs aligned with Solvency II credit risk SCR calculations.

04

Asset adequacy testing

Forward looking projections and scenarios as inputs to asset adequacy testing for life insurers.

05

ALM matching and optimization

Long duration credit views for liability matching and ALM optimization.

06

Private credit allocation oversight

Forward looking views on private credit allocations and the underlying issuers in those portfolios.

07

Reinsurance counterparty risk

Continuous monitoring of reinsurer credit health, with concentration views across cedants.

08

Surety underwriting support

Forward looking credit views on principals and obligees in surety underwriting.

09

Commercial lines credit underwriting

Credit assessments to support commercial lines underwriting decisions.

10

Concentration and capital optimization

Concentration views across the investment book, with capital optimization analysis.

The AI layer

An AI layer for the asset and liability sides.

A sample of the surfaces. The AI layer reaches further across every credit workflow.

• Credit Agent

Natural language portfolio and counterparty queries.

• Auto Memos

Underwriting and investment memos generated automatically.

• Scenario Analysis

Conversational stress and scenario analysis.

• Document Intelligence

Policies, treaties, and filings parsed.

• Cited Explanations

Driver attribution on every score.

• Embedded Surfaces

Lives inside your investment or underwriting platform.

From the credit lab.

• Introducing AIR Platforms: the first AI-powered credit rating agent
• AIR: bringing the power of AI to credit
• ML-Powered Credit Ratings and Analysis — Wolfspeed: AIR's Credit Model in Action
• AI data centers are testing energy credit

Talk to an AI credit specialist.

A working session, not a sales pitch. We will run AIR against a sample of your portfolio and walk you through what it sees.

Book a working session Request the NAIC and Solvency II briefing