TL;DR: Claims reserves are frequently inaccurate - not because actuarial models are flawed, but because the data feeding them is. Legacy systems, unstructured information, and inconsistent coding create compounding errors that destabilise financials, increase regulatory risk, and erode strategic decision-making. To fix reserves, insurers must fix their data - modernising infrastructure, enforcing data lineage, and embracing metadata-driven intelligence.
The cost of inaction isn’t just inefficiency - it’s billions in misallocated capital and lost credibility

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