Finoco AI for Insurance
Research and monitor the credit behind every fixed income allocation.
Illustrative data
Fixed income books need credit work at scale
Allocations span many issuers, and each one needs research, surveillance and a record of the decision.
- 01
Research is spread across sources
Offer documents, results and rating rationales sit in different places for each issuer.
- 02
Rating changes need tracing
A downgrade has to be traced to every portfolio that holds the issuer, often by hand.
- 03
Stress tests are rebuilt each time
Rate and spread scenarios live in spreadsheets that are hard to repeat and hard to audit.
- 01
Ingest
Offer documents, results, disclosures and rating rationales, matched to each ISIN.
- 02
Verify
Every extracted number carries a citation to the page it came from, so an analyst can check it.
- 03
Standardise
Issuer financials mapped to one template, so issuers compare like for like.
- 04
Analyse
Issuer views, rating and spread alerts, and bond book scenarios.
Across the life of an allocation
From screening to maturity, each stage has a Finoco product that does the work.
- 01
Screening
Look up any listed INR bond by rating, issue size, coupon and maturity.
- 02
Issuer research
Read offer documents, results and the latest rating rationale together, with every figure cited.
- 03
Investment committee
Reprice the position under rate, spread and rating-migration shocks before committee.
- 04
Surveillance
Watch rating changes, spread widening and policy decisions on every holding.
- 05
Maturity
Follow coupons and redemptions on each bond through to maturity.
- 06
Governance
Every user action is recorded in an audit trail, and access to each fund and deal is set by role.
What insurance investment teams do with Finoco
Issuer research
Form a credit view on any issuer from offer documents, results and public sources.
Credit ResearchRating and spread alerts
Keep a watchlist of ISINs and get a daily summary of rating actions and spread widening.
Horizon ScanningRating rationale summaries
Get each rationale’s action, key drivers and upgrade or downgrade triggers in one read.
AgentsBond book scenarios
Reprice the book under rate, spread, rating-migration and liquidity shocks.
SimulationsYield and spread analysis
See each bond’s yield and spread over government bonds against the curve.
Credit ResearchPolicy decisions
Follow central bank decisions and the government borrowing calendar next to your holdings.
Horizon Scanning
Rating actions traced to the bonds you hold
Finoco watches each bond on your list for rating changes and spread widening, and reads the latest rating rationale for the drivers and triggers behind each action.
- Rating changes detected on each watched ISIN
- Spread widening and yield alerts in a daily summary
- Rationale summaries with key drivers and triggers
Illustrative data
Asset classes insurers work in with Finoco
The same research and surveillance across public and private allocations.
Governed, private deployment
Finoco runs in your existing cloud environment, processes data in your region, never trains on it, and records every action.