Strategic actuarial advisory Europe | TWD Advisory & Consulting Services

InsurTech Advisory

Bridging the Gap Between Code and Carrier

Validate your innovation with actuarial precision. Many InsurTechs fail not because of poor technology, but because of a misalignment with insurance fundamentals. We provide the technical oversight and industry gravitas needed to turn a disruptive idea into a carrier-ready solution.

Validate Your Product Roadmap Explore Services

The Innovation Challenge

Insurance platforms demand more than clean code

Building an insurance platform requires more than just clean code; it requires an understanding of loss ratios, state filings, and capital requirements. We act as the strategic bridge, ensuring your product roadmap aligns with the rigorous demands of the insurance lifecycle.

Strategic Services for InsurTechs

Carrier-ready execution, built into your roadmap

Product & Market Validation

Before you go to market, ensure your solution is “carrier-speak” ready.

Actuarial Validation: Reviewing pricing models and risk algorithms to ensure they meet regulatory and technical standards.
Product Roadmap Alignment: Ensuring feature development solves actual pain points for underwriters and actuaries.
Regulatory Guidance: Navigating the complexities of state rate filings and DOI objections.

Strategic Data Architecture

Insurance is a game of data. We help you build the infrastructure to win.

Underwriting Data Ecosystems: Designing environments that capture the right “signals” to optimize portfolio performance.
KPI Definition: Establishing the metrics carriers and investors value (e.g., frequency/severity trends, IBNR assumptions).
Tech Stack Integration: Optimizing how your platform interacts with PAS and claims environments.

InsurTech Team Training

Insurance 101 for Techies—so your teams build with risk in mind.

Underwriting Fundamentals: Training on how risk is selected, priced, and managed.
Actuarial Basics: Demystifying the math to improve cross-functional collaboration.
Cultural Translation: Closing the gap between “Agile” tech culture and “Risk-Averse” insurance culture.

Fractional Chief Actuary

Get C-Suite insurance expertise without the full-time overhead.

Board Representations: Providing technical credibility during investor pitches and board meetings.
Product Expansion Mapping: Identifying the next evolution of product features and capabilities required to meet carrier standards and regulatory demands
Strategic Pitch Support: Partnering with leadership to provide the technical expertise and executive credibility required to close complex deals and secure carrier partnerships.

A Legacy of Disruption

Built at the intersection of tech and risk

Matthew Duke has led pricing and innovation at the intersection of tech and risk, including senior leadership roles at high-growth startups. He understands the pressure to scale and the necessity of precision.

The Duke’s Insight

Correcting errors in production is a cost; shadow-testing your logic against actuarial reality is an investment.

By building transparent, Excel-based "Golden Master" raters and requirement, your team is enabled to validate every calculation in your system’s logic. Don't go live until you’ve proven the math.

— Matthew Duke

Ensure Your Solution is Carrier-Ready

Don’t wait for a carrier audit to find the gaps in your strategy. Let’s align your technology with industry reality today.

Certify Your Carrier-Readiness

InsurTechs