4MOST (EUROPE) LIMITED
Life Insurance
4most has a long history delivering bespoke solutions across Regulation & Reporting, Pricing and Product Development. We have a proven track record of handling, translating and integrating big-book asset, policyholder and model data. We specialise in helping our clients to develop, automate, and optimise their asset, liability, and capital models.
Features
- Process Optimisation to meet regulatory and business needs
- Operating Model: Data/system integration, business process redesign, government enhancement
- Modelling and Asset Optimisation
- Regulation & Reporting: Solvency II/UK, IFRS 17, Climate Risk
- Optimal Bulk Purchase Annuities and reinsurance arrangements
- Personal & Commercial Lines Pricing, Price Optimisation
- Access to fully qualified actuaries
- Complete Data Migration activities from handling to translating requirements.
- Capable of integrating big-book asset, policyholder and model data
Benefits
- Access to industry recognised life insurance specialists
- Bespoke analytical solutions specifically designed to your requirements
- Regulatory and business needs met delivering operational efficiency
- Provide forward-looking deliveries ensuring compliance with the current regulatory environment
- Bespoke modelling solutions with optimised model specifications
- Solutions for determining optimal asset allocation
- Automation of Data collection and valuation processes
- Supporting insurers to develop partial or full internal models
- Impact assessment of proposed SII Regulation changes facilitating Model adjustments
- Development of elegant dashboards that can facilitate claim monitoring
Pricing
£600 to £2,120 a unit a day
Service documents
Request an accessible format
If you use assistive technology (such as a screen reader) and need versions of these documents in a more accessible format,
email the supplier at Emma.Heathcote@4-most.co.uk.
Tell them what format you need. It will help if you say what assistive technology you use.
Framework
G-Cloud 14
Service ID
4 6 1 9 4 8 5 6 5 7 1 2 3 7 5
Contact
4MOST (EUROPE) LIMITED
Emma Heathcote
Telephone: 07825346324
Email: Emma.Heathcote@4-most.co.uk
Planning
- Planning service
- No
Training
- Training service provided
- Yes
- How the training service works
-
Throughout the entire service we will work in partnership with the client to ensure the most appropriate and effective solution is delivered. This process will include effective knowledge transfer, especially at key milestones, and complete documentation to ensure the client fully understands and is included in the decisions made throughout the service.
Furthermore, a specialised programme to support skills transfer between coding platforms has been developed and is available. This training is available with resources as well as with in person guidance and support. - Training is tied to specific services
- Yes
- Services the training service works with
-
- SAS
- Python
Setup and migration
- Setup or migration service available
- No
Quality assurance and performance testing
- Quality assurance and performance testing service
- Yes
- How the quality assurance and performance testing works
-
We have market leading and fully qualified expertise in life insurance services ensuring our deliveries meet all regulatory, audit and internal governance standards applicable to the client.
This process is completed at every step of the project from effective planning all the way through to completion ensuring the delivery is compliant, in budget and performing the agreed requirements outlined by the client.
Security testing
- Security services
- No
Ongoing support
- Ongoing support service
- No
Service scope
- Service constraints
- None
User support
- Email or online ticketing support
- Email or online ticketing
- Support response times
- We will respond as soon as possible via email during the working week.
- User can manage status and priority of support tickets
- No
- Phone support
- Yes
- Phone support availability
- 9 to 5 (UK time), Monday to Friday
- Web chat support
- No
- Support levels
-
We will provide a support service to meet your requirements based on the demands of your programme and the service you need with specific support levels agreed for each engagement.
A proposed structure would include a dedicated client partner named as oversight of the relationship, dedicated allocated resource reporting into a project leader supporting the engagement plus support from a wider internal project delivery team to support overall governance of the project. Access to the wider pool of SME experts at 4most is also available to support any queries raised.
Resellers
- Supplier type
- Not a reseller
Staff security
- Staff security clearance
- Conforms to BS7858:2019
- Government security clearance
- Up to Baseline Personnel Security Standard (BPSS)
Standards and certifications
- ISO/IEC 27001 certification
- No
- ISO 28000:2007 certification
- No
- CSA STAR certification
- No
- PCI certification
- No
- Cyber essentials
- Yes
- Cyber essentials plus
- Yes
- Other security certifications
- No
Social Value
- Social Value
-
Social Value
- Fighting climate change
- Covid-19 recovery
- Tackling economic inequality
- Equal opportunity
- Wellbeing
Fighting climate change
4most is contributing to the fight against climate change in two ways; by setting and driving towards our own ambitious climate goals and by supporting our clients to identify and manage the climate risks they carry, thus helping equip them to contribute to the fight.
4most is aiming to reduce its emissions to net zero by 2025, underpinned by detailed annual calculations of our scope 1, 2 and 3 emissions that are reported to senior leadership. The 4most Environmental Policy supports this ambition, for example by encouraging staff to use transport methods that minimalise pollution, amongst a range of policies that seek to minimise 4mosts impact on the environment.
4most’s support for clients span a range of climate risk disciplines, from financed emissions and disclosures to climate risk modelling and climate risk management. Successful support for 4mosts clients means they are more informed of the impact their businesses have on the climate and the risks and opportunities that arise from transitioning to a low carbon economy, thus positioning them to make their own contributions for the fight against climate change.Covid-19 recovery
As a market leading specialist in risk management, 4most has and continues to support clients across the financial services industry in navigating and managing the post COVID-19 environment and associated government and regulatory responses.
Our experts have a deep understanding of the analysis of Covid influences by regulators and how they impact your business, placing 4most in an optimal position to support our clients in helping manage the associated challenges. Our solutions, both across the private and public sectors, help clients in adjusting and managing for the impacts on IFRS 9 arising from Covid-19.Tackling economic inequality
4most work with lenders across the financial services industry to build models, credit strategies and to utilise data more effectively. We have assisted lenders to utilise new data sources, modelling techniques and understand financial risk and returns in more detail, allowing them to widen their pool of potential customers.
4most is also partnered with IE Hub to help borrowers in difficulty assess their financial circumstances helping improve knowledge around financial management driving improvements to their personal situations. Our work has also helped younger and new to the UK customers to gain access to credit that they would have traditionally been excluded from. This supports greater financial inclusion and reduces economic equality in a very real and practical sense.Equal opportunity
4most endorses wholeheartedly the principles of the Equality Act 2010 and is committed to the positive promotion of equality, diversity and inclusion amongst all members of the 4most community. To achieve this 4most will:
• ensure that no unlawful discrimination occurs in the conduct of 4most’s work
• advance equality of opportunity between people who share ‘protected characteristics’ and all other members of the 4most community
• foster positive relations between people who share the ‘protected characteristics’ and those who do not
We actively recruit through organisations or services that serve individuals from underrepresented populations. We conduct analyses of our job description language and requirements to ensure they are inclusive and equitable.
We also recognise that 4most may need to provide its services in a range of different or more flexible ways, in order to ensure genuine equality of access or opportunity for groups and individuals who approach those services from a position of persistent and longstanding disadvantage.
We aim to celebrate and value the differences between individuals’ cultural, social, and intellectual contributions to 4most and will seek to promote greater mutual understanding between groups and individuals who reflect these differences and will seek to utilise the talents and experiences that each and every individual can bring to the company.Wellbeing
We aim to identify, minimise the effects of, and wherever possible remove hazards that could harm your wellbeing including taking all reasonable steps (sometimes with the benefit of risk assessments) to make sure that you:
• have a safe place and safe system of work;
• can take appropriate breaks;
• are not put under excessive working pressures;
• are not subjected to discrimination or harassment at work
We aim to have a clear route to wellbeing support for everyone in our organisation. In particular, we have a number of Mental Health First Aiders (MHFAs) who can provide help and support if you need it, as well as promoting positive wellbeing throughout our organisation, private healthcare with specific provisions for mental health is available to every employee plus we host regular awareness sessions on mental health actively promoting the support networks and trained colleagues available.
We treat everyone who works for us fairly and we do not discriminate against people because they might have mental health conditions. We aim to offer an environment in which you can thrive.
Pricing
- Price
- £600 to £2,120 a unit a day
- Discount for educational organisations
- No
Service documents
Request an accessible format
If you use assistive technology (such as a screen reader) and need versions of these documents in a more accessible format,
email the supplier at Emma.Heathcote@4-most.co.uk.
Tell them what format you need. It will help if you say what assistive technology you use.