Our Approach
The Luma Strategy Difference
At Luma Strategy, we believe insurers need more than compliance — they need clarity, resilience, and confidence in decision-making. Our approach combines deep actuarial expertise with regulatory insight to deliver practical solutions that strengthen governance and support long-term success. We focus on turning technical complexity into meaningful insight, helping boards and management make informed decisions with assurance.
Planning Ahead
We help insurers prepare for the future by strengthening their financial and risk frameworks. Our support covers:
- Capital modelling and independent validation to ensure models are robust and regulatory-ready.
- Reserving support and independent reviews that bring clarity and confidence to financial reporting.
- Stress and scenario testing, including reverse stress testing, to uncover vulnerabilities before they materialise.
- Enterprise Risk Management frameworks that embed risk awareness across the business.
- ORSA and regulatory reporting designed to meet requirements while delivering insight for boards.
A Comprehensive View
We link reserving, capital, and risk management to provide a complete and integrated picture of financial resilience. By connecting these elements, we highlight interdependencies that often go unseen in siloed reviews. Our reports and analysis are designed not just for technical accuracy, but to deliver clear messages that boards, regulators, and stakeholders can act on with confidence.
Committment to Clients
Our commitment is to provide objective, reliable, and timely support that adapts to the challenges of today’s insurance market. Whether you need independent assurance, regulatory confidence, or practical solutions to complex actuarial problems, we work as trusted partners to deliver services tailored to your business needs. By combining technical depth with clarity, we ensure our clients can move forward with confidence and focus on long-term success.