Insurance supervision software for risk-based capital regimes
Line4 helps insurance supervisors collect capital and solvency returns with validation at submission, check them with deterministic rules, use AI to review the narrative filings that sit around them, and track follow-up in casework.
The problem today
- Capital returns arrive as complex, macro-driven spreadsheets that are hard to check consistently.
- Narrative filings that explain the numbers are read by hand, if at all.
- Moving to a risk-based capital regime multiplies the data to review.
How Line4 does it
- 01
Validated capital returns
A secure portal with validation as returns land, replacing fragile macro workbooks.
- 02
Deterministic checks
Reconciliation and plausibility rules give the same result every time, for every analyst.
- 03
AI review of narrative filings
AI reads the reports that accompany the numbers and surfaces what needs a supervisor, with the evidence linked.
- 04
Follow-up in one place
Findings flow into casework so supervisory action is tracked and auditable.
Proven in production
At an international financial regulator
- A prudential submissions portal with real-time validation, replacing macro-driven Excel, in production at an international financial regulator.
- Real-time validation removed a key-person dependency.
Questions
Is this for supervisors or insurers?
For supervisors. Line4 builds the supervisor side: collection, validation, review and casework.
We are moving to a risk-based capital regime. Where do we start?
Usually with the capital return itself: collect it through a validated portal so data quality is fixed at source, then add review and casework.
Can we keep our existing return templates?
Yes. Templates can be kept during a transition, with validation applied as they land and data stored in a structured model.