▲Actua
The engineWhat it doesYour dataAccess
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Actuarial software · Sydney

Every number is
executed, not guessed.

Actua is a workbench for reserving, valuation and exam work. The maths runs in a deterministic Python engine with a test pinning every figure. The language model explains results. It never produces them.

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In private beta. Accounts are opened by hand, so there is no checkout. Email us and we will set yours up.

Paid losses, cumulativechain ladder
AY122436
20221,0001,5001,800
20231,2001,800·
20241,400··
12 → 24
1.500
24 → 36
1.200
IBNR
1,480
Computed in Python, on a server, with a test pinning every figure. Not produced by a language model.
Why this exists

Ninety per cent of reserving runs through a spreadsheet.

Not because anyone chose it. Because the triangle has to be built before the method can run, and the tooling stops at the triangle. The Casualty Actuarial Society asked its members how the work actually gets done.

90%
have Excel in the critical path of a reserve review
43%
describe the process as still mostly manual
~50%
cite difficulty getting timely, reliable data
9%
use dashboards as a fundamental practice

Source: CAS E-Forum, “Best Practices for Property and Casualty Actuarial Reserving Departments”.

The engine

A tool that would rather say nothing than guess.

The failure mode of an AI in this field is not a crash. It is a confident, plausible, wrong number with no error anywhere. Actua is built so that cannot happen quietly: every figure comes from one Python implementation, bounded and tested, and anything it cannot compute is refused out loud.

Computed
PV of annuity-immediate,
$1,000/yr, i=5%, n=10
7,721.73
With the derivation, the Excel formula, and the Python that reproduces it.
Refused
A triangle whose first column
sums to zero
422: the link ratio would
divide by zero
A development factor nobody chose is not a development factor. You get the reason, not a number.

One implementation

The maths lives in exactly one place. A check in the build fails if arithmetic appears anywhere else, because it once did, and the two copies disagreed.

Bounded inputs

Every dimension, rate and magnitude has a ceiling. Unreadable cells, infinities and misspelled fields are errors, never quietly-defaulted values.

Nothing partial passes as whole

Reserve a book and four segments fail, the total says it covers the other fifty-six. It is never presented as the portfolio figure.

What it does

From a claims extract to a signed reserve.

The steps a quarterly close actually contains, in one place, each one leaving a record behind it.

01

Build the triangle

Claim transactions in, triangle out, at the granularity you choose. Every row that cannot be used comes back with its row number and the reason. Nothing is dropped quietly.

02

Run the method

Chain ladder, Bornhuetter-Ferguson and Cape Cod, with development factors, tail sensitivity and side-by-side comparison.

03

Reserve the whole book

Twenty to a hundred segments in one run, each with its own method and tail, rolled up, with the failures listed rather than absorbed.

04

Ask anything

Annuities, life contingencies, bonds, loans, IFRS 17 building blocks, Solvency II. Answers carry the steps, the Excel formula and the Python.

05

Sign it off

Draft, awaiting review, signed. The trail records the method, the assumptions and the shape of the data: enough to reproduce, never a second copy of the claims.

06

Sit the exam

Practice questions whose answers are computed at grade time, so a wrong answer key is impossible. Progress ranked by topic, weakest first.

If you are sitting exams

Worked answers you can check.

Every solution shows the derivation, and the number underneath it was executed rather than recalled, so a plausible-looking wrong answer cannot reach you. Distractors are built from real misconceptions, so choosing one tells you which mistake you made.

SOA P · FM · FAM · ALTAM · ASTAM · SRM · PA
IFoA CM1 · CM2 · CS1 · CS2

If you are signing the opinion

A trail another actuary could follow.

Sign-off cannot be skipped. Draft must pass through review, and signed is terminal. The record keeps the method, the assumptions and the triangle’s shape, which is what a reviewer needs and is not a second copy of your client’s claims data.

You remain the responsible actuary. Actua does not
reduce your obligations under ASOP 56 or CPS 320.

Your data

The spreadsheet never reaches us.

Uploads are parsed in your browser and released when you close the tab. There is no copy on our servers to leak, subpoena or lose, which is the only version of this promise worth making.

Held in Sydney

Accounts and the audit trail sit on servers we run ourselves in Oracle ap-sydney-1. No managed database provider holds a copy.

Retrieval stays local

Knowledge-base search embeds on our own machine, so the text of your question is not sent to an external service.

One exception, stated

Writing an answer uses a language model hosted in the United States. Deterministic calculations do not go through it.

The full detail is in the privacy policy, including what we do not cover.

Access

No checkout. Send an email and we open the account.

Actua is in private beta. Rather than take a payment for something still being finished, we set accounts up by hand, which also means we can put you on the right tier instead of guessing.

Try it

Free

$0AUD
account required, no card
  • ·5 questions a day
  • ·Every step shown
  • ·Same deterministic engine
  • ·Nothing saved between sessions
Create a free account
Exam preparation

Student

$30AUD
per month, cancel anytime
  • ·Unlimited questions
  • ·Exam practice and grading
  • ·Progress by topic
  • ·History that persists
Email us about Student
Daily client work

Professional

$100AUD
per month, cancel anytime
  • ·Everything in Student
  • ·Guided tasks with code override
  • ·Notebooks: Python, charts, Excel
  • ·Your files, cloud and databases
  • ·Nothing stored on our servers
  • ·Sign-off and audit trail
Email us about Professional

Custom

Teams, consultancies and anyone who needs a different shape: more seats, your own data connectors, or a deployment arrangement. Quoted individually, so tell us what the work looks like.

Talk to us about Custom
Before you ask

Can I buy it right now?

No. There is no checkout while we are in beta. Email sales@evolvion.com.au and we will open the account, usually the same day.

Is it just ChatGPT with a prompt?

No. The arithmetic runs in a Python engine with bounded inputs and a regression suite. The model reads results and explains them; a build check fails if calculation logic appears anywhere else.

What happens when it is wrong?

It refuses. Anything the engine cannot compute returns an error with the reason, and the model is instructed not to substitute its own answer.

Can I use it for signed work?

You can use it in work you sign, and you remain the responsible actuary. It records enough to reproduce a calculation, which is what a reviewer needs.

Where does my data go?

Spreadsheets stay in your browser. Accounts and the audit trail are on our own servers in Sydney. Chat questions reach a US-hosted language model; calculations do not.

Do you offer a student discount?

Student is the discount: $30 a month with exam practice, grading and progress. Email sales@evolvion.com.au from your university address.

Bring one triangle.

Send us a line about the work you do and we will open an account on the tier that fits it.

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▲Actua

Actuarial software by Evolvion. Built and hosted in Sydney, Australia.

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