Infrastructure for insurance general accounts
Capital-charge-aware allocation, multi-entity portfolios, regulator-ready records across general and separate accounts.
Insurance balance sheets are not asset management. Allocation is shaped by capital treatment, liability matching and a supervisory regime that audits the process as much as the outcome. Reuben AI treats capital treatment, entity structure and regulator-readiness as foundational, so the operating layer reflects how an insurance investment function actually has to work.
Mandate shape
Capital treatment shapes allocation. Risk-based capital, Solvency II SCR or local equivalents change the economics of every position. Allocation choices need to surface the capital charge alongside expected return, not as a downstream check.
Liability matching is the constraint. Duration, currency and cashflow matching against insurance liabilities is the binding constraint on the portfolio. The operating layer needs to surface mismatch and concentration in real terms, not in marketing terms.
General account and separate accounts. Many insurers run a general account alongside multiple separate accounts and reinsurance vehicles. Each is a different entity with different policy, different reporting and different access.
Supervisory readiness. Supervisors audit process as much as outcome. Decision provenance, approval trails and data lineage need to be in place before the examiner asks.
How Reuben AI serves insurance general accounts
Capital-aware underwriting
Capital treatment is computed at the underwriting step so the IC sees expected return after capital charge, not as a separate analysis run later.
Multi-entity, multi-policy
General account, separate accounts and reinsurance vehicles are first-class entities with isolated policy, reporting and access, all running from the same operating layer.
Liability-aware reporting
Duration, currency and cashflow matching are visible alongside asset metrics, with attribution back to the policy decisions that drove them.
Supervisor-ready provenance
Every decision carries its data, rationale and approval. Examiner requests are answered from a single audit-grade record, not reconstructed from email.
Governance across teams
Investment, ALM, actuarial, risk and compliance each see exactly what their role requires, with role-based access enforced end to end.
Request a private briefing for insurance general accounts
A working session with the founder and a senior engineer. No SDR funnel, no scripted demo. Walk through your mandate shape, governance layers, residency and reporting cadence against the platform live.
Request a private briefingCommon questions
Does Reuben AI compute capital charges?
The platform surfaces capital treatment from your existing capital model at the underwriting step so the IC sees expected return after capital charge. It does not replace your capital model; it integrates with it.
Can general account and separate accounts run on the same platform?
Yes. Each entity is isolated with its own policy, reporting and access, but the operating layer is shared so the firm sees the consolidated picture.
Does it produce supervisor-ready records?
Every investment decision carries its data, rationale, approvals and access events. Supervisor requests are answered from a single audit-grade record.
How does it interact with our ALM and actuarial systems?
Reuben AI is an operating and governance layer, not an ALM replacement. Liability and capital data flow in from your existing systems and are surfaced inside the underwriting and IC workflow.