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January, 2021

What are the benefits?

About this paper

The implementation of Generalized Linear Models (GLMs) facilitates the construction of statistically sound rating structures, bringing fairness and transparency to the insurance market. While in developed markets they have been applied in full generality for the past two decades, some emerging markets are still in transition to this multivariate technique.

Our societies are going through an unprecedented moment in history. A moment where changes are required and collective actions determine our success.

The insurance industry is no exception: digitization has been necessarily accelerated and opportunities are arising along many fronts. Organizations who rely on a broad and smart processing of data are able to add special value to customers.

The question is therefore, how might data analysis improve the decision-making?
Precisely, how can insurers quantify risk drivers of their products and monitor the changes that have been recently produced?

The purpose of this article is to highlight the benefits of Generalized Linear Models (GLMs), a modeling technique that has been traditionally suited for insurance data, providing valuable answers to these questions.

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Our addactis Experts

Annabelle LONGO
Senior Manager,
Head of Pricing Solutions

Annabelle is a qualified Actuary with over 16 years of experience in pricing topics in Allianz France and AXA Group. She has joined addactis few years ago to lead the pricing practice in addactis.


Juan is an actuary. He has studied actuarial sciences in Argentina and Lisbon and worked also over the past 3 years on pricing topics. He joined Annabelle last year to support addactis clients progress their pricing processes and has worked closely with us during the last year on GLM and the use of addactis® profitability software addactis® Pricing.

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