RESERVING

Luma Strategy provides specialist reserving support that combines actuarial expertise with regulatory insight. We help insurers meet external reporting requirements while delivering clear and reliable outputs for internal management and governance. Our experience includes supporting quarterly and year-end reserving, explaining results to boards and committees, and linking reserving volatility to capital and risk frameworks.

We also provide independent reserve reviews, offering objective challenge of methodologies, assumptions, and data. This includes assessing the adequacy of reserves across classes, reviewing volatility assumptions, and testing the consistency of reserving with wider business planning and capital modelling.

Our approach takes the complexity out of reserving, ensuring that your framework is accurate, timely, and tailored to your business needs.