פלטפורמת אינטליגנציה לעתודות ביטוח

תקציר מקורי באנגליתarXiv:2609.30765v1 Announce Type: new Abstract: Insurance reserve estimation is a fundamental actuarial task supporting premium pricing, solvency assessment, financial reporting, capital planning, and risk management. Classical reserve methods based on Thiele's differential equation provide a rigorous and interpretable foundation for life insurance valuation, but repeated reserve calculations become computationally expensive in sensitivity analysis, optimization, and large-scale scenario evaluation. This paper presents an Insurance Reserve Intelligence Platform for term-life reserve modelling that combines a classical Thiele-equation solver with a Physics-Informed Neural Network (PINN) enhanced by Knowledge-Informed Neural Network (KINN) losses. The framework includes synthetic policy gene