Live.Liability-aware.Continuous.
The empty desks are the point. 1LX runs liabilities, assets, capital, and portfolio decisions as one automated, continuous system. No quarterly cycles, no spreadsheet relay.
Quarterly is a choice. A bad one.
Markets move daily; most ALM moves quarterly. 1LX compresses the gap between liability change, capital impact, and portfolio action to near zero.
Every balance sheet that still closes this loop by hand is carrying risk it cannot see between committee cycles.
One balance sheet. One closed loop.
Modeled as one closed loop instead of a relay of handoffs. What the loop optimizes — and how — stays inside the demo room.
Liability modeling.
In-force and new business modeled at the level where risk actually lives. Liabilities are not an input file; they are a live object the rest of the system reacts to.
Asset modeling.
The full spectrum an insurance balance sheet actually holds — public fixed income to structured and bespoke private assets — valued and projected under one consistent framework. Every position carries its methodology, so every number can be defended.
Mandate & manager management.
Allocation across internal and external managers under mandate, guideline, and eligibility constraints. Exposure and compliance resolve against the same live balance sheet, so an allocation is checked before it is made, not flagged after.
ALM decisioning.
Liability-aware portfolio optimization that turns duration, convexity, and spread positioning into a continuous discipline instead of a quarterly meeting.
Credit intelligence.
Name-level and portfolio-level credit surveillance, connected to the same balance sheet state as everything else.
Book of record.
Ownership and attribution resolved at the atomic level. Aggregation is a view, not a reconciliation project.
Every module prices from the same curves, scenarios, and market state, fed by OracleX, our actuarial engine. One version of the truth; everything downstream inherits it.
OUR ACTUARIAL ENGINEThe actuarial engine under everything.
OracleX is our actuarial engine. Every module prices from the same curves, scenarios, and market state, so the numbers agree by construction.
It models the balance sheet from first principles instead of stitching together point tools. One version of the truth flows downstream; everything above inherits it.
Meet Luka. Your balance sheet, onboarded.
Luka is our actuarial agent. It builds the financial and actuarial models that run underneath 1LX, and it is how your book gets into the system in the first place.
Upload the actuarial models you already run. Luka reads them, tests them against known results, and flags what does not reconcile before anything goes live.
Assets and liabilities become live objects the system can project, value, and optimize, not static files re-keyed by hand.
What ran on a single cohort in a spreadsheet runs continuously across the whole balance sheet, under one consistent framework.
Luka runs on OracleX, so every model it builds and onboards inherits the same principle-based engine as everything else. ORACLEX →
Automated, and fully defensible.
Deterministic & auditable
Every output traceable to inputs, assumptions, and versioned curves. No black box between a number and its defense.
Institutional workflows
Designed for control functions, mandates, and portfolio-scale execution.
Built by practitioners
By people who have operated insurance balance sheets, for institutions that must defend every number.