DSIDynamic Solvency Intelligence
Dynamic Solvency Intelligence

A research protocol for the timely recognition of prevention evidence in insurance

Act on prevention before claims arrive, with evidence you can stand behind.

Prevention programmes produce meaningful signals long before claims experience matures. The DSI protocol gives insurers and reinsurers a documented route from those signals to a pricing, reserving or reinsurance decision, with each judgement kept by its owner.

ClaimedWhat the programme sponsor reports
SupportedWhat the evidence supports, after the comparison is checked
PermittedWhat that support may change, within limits agreed in advance
DecidedWhat the decision owner chooses, which may be less, or nothing

Evidence earns recognition. Recognition grows with the evidence.

The problem

An avoided claim is never observed

Insurance has mature methods for claims that have occurred but are not yet fully visible. Prevention raises a different question. The claim that matters is the one that did not happen, and what would have happened without the programme can be estimated but never seen.

The avoided claim exists only as a contrast between groups, measured under a study design. A pricing or reserving decision needs something else: an expectation of future claims on future exposure.

Incurred but not reported

EventOccurred
MissingReporting and development
BecomesA provision

Avoided claim

EventDid not occur
MissingThe counterfactual
Exists asA contrast between groups, under a study design
↓ The crossing the protocol structures

Next year’s expected claims

EventHas not yet occurred
MissingThe future
BecomesA pricing or reserving assumption
Avoided claims are not negative IBNR.

Prevention evidence enters insurance as a revised expectation of future claims: a contrast measured between groups becomes an assumption about future exposure, through a documented decision.

And the decision comes first

A programme incurs costs today, shows behavioural and clinical signals within months, and affects mature claims experience only years later. Pricing, reinsurance and contracting decisions are taken in the interval.

TodayProgramme costs incurred
MonthsBehavioural and clinical signals
YearsMature claims experience
Decisions are taken here, before the outcome is known.

Three responses are common, and each leaves something out:

Projected savings taken into the basis

Fast, and liable to overstate uncertain value.

An undocumented judgement margin

Workable, and hard to review or repeat.

Waiting for credible experience

Prudent, and years late.

The protocol offers a fourth route: recognise what the evidence supports now, for a declared decision and a defined period, and revisit it as experience arrives.

The protocol

Six steps, each with an owner

The decision defines the evidence it needs; the evidence then limits what the decision may assume.

  1. Define the decision. The decision owner states the decision, the assumption that may change, the population, the horizon and the maximum adjustment.
  2. Agree the analysis plan. The evaluator and decision owner fix the comparison, diagnostics, fallback and residual bias assessment before the evaluation result is known.
  3. Review the evidence. The evaluator establishes whether the comparison is valid and what effect it supports.
  4. Assess the claims impact. The actuary carries the supported effect to expected claims, step by step, with sources and scenarios.
  5. Set the use limits. The decision owner records what the evidence may change, for which decision, and until when.
  6. Monitor experience. Named indicators maintain, increase, reduce or withdraw the recognition as experience matures.

The protocol makes each hand-off explicit. The decision, and every professional judgement within it, stays with the receiving institution.

For practitioners

Cases scale with what is at stake: a one-page light record for decisions below an institution’s materiality threshold, seven linked records for material assumptions, and an added independent technical review for reinsurance terms and capital.

Research status
Specified and synthetically rehearsed.

DSI ASBL is a Luxembourg non-profit research initiative. The protocol is ready for shadow use and not yet evidenced for embedded reliance in a live programme.

Next: an adversarial stop-case under the frozen rules, independent expert review, and a shadow assessment on a real programme. The work will be presented at the International Congress of Actuaries, Tokyo 2026.