Case Study: a leading insurance company avoids mispricing premiums with S&P Global Market Intelligence

Using Credit Analytics to Avoid Mispricing Insurance Premiums

Leading Insurance Company turned to S&P Global Market Intelligence to improve how it assessed credit risk when pricing pension guarantee premiums and to support an internal capital model. The insurer needed a solution with robust data, transparent methodology, strong documentation, and ESG-aware risk analysis to better protect profitability and long-term sustainability.

S&P Global Market Intelligence provided Credit Analytics, including PDFN, CreditModel, and Market Derived Signals, along with Climate Credit Analytics for scenario-based climate risk assessment. This gave the insurer tools to score companies individually or in batch, monitor early warning signs of deterioration, and analyze climate-related financial impacts across sectors, with added transparency, validation results, and model documentation; the case study does not cite specific numerical performance gains.