It’s one thing to know a company’s current risk-based capital ratio. It’s quite another to know what its RBC ratio would be if it changed the asset mix of its portfolio, added more reinsurance, improved its underwriting results, or if it were to complete a merger. That’s precisely what the RBC Calculator for Insurance Analyst PRO allows you to examine. The RBC Calculator is ideal for insurance company chief financial officers, competitive intelligence and strategic planning executives, investment advisors, M&A specialists, and reinsurance professionals.

The RBC Calculator provides you with intuitive tools to analyze companies’ risk-based capital quickly and easily.

• Estimator – Our Estimator empowers you to manipulate the values for any of the data points that are included in the NAIC formulae to predict the impact of potential business changes to a company’s risk-based capital.
• Heat Maps – Our visual presentation of affiliated companies’ RBC ratios and their levels of risk-based capital and total adjusted capital relative to one another makes it easy to identify areas of strength and of weakness within a group. Focus your efforts on subsidiaries that offer the greatest opportunities to improve a group’s risk-based capital ratio. 
• Compare – Simultaneously compare several companies’ risk-based capital strategies by viewing their information side-by-side. 
• Major Drivers – Identify the top five factors that contributed to year-over-year changes to a company’s risk-based capital ratio and figure. 
• Search – Find companies that match your RBC-related criteria to focus your analyses.
• Merge – Start your research into potential mergers with our RBC Calculator. Our Merge feature estimates the combined RBC for companies if they were to merge.

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The RBC Calculator was jointly developed by Highline Data and Virtua Research.