Institutional Infrastructure

Next-gen ALM System

Real-time ALM infrastructure for insurers and asset managers

AT1 replaces static, spreadsheet-based ALM with a continuous, liability-aware system. 1LX connects liabilities, capital, and portfolio decisions in real time.

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Signal latency

Sub-cycle

Move from periodic committee cycles to live liability-aware positioning.

Decision frame

Unified

Capital, reserves, liabilities, and assets modeled as one operating state.

Infra posture

Institutional

Built for auditability, control, and portfolio-scale execution.

Asset Liability Matching

LIABILITY SIDE

ASSET SIDE

DURATION GAP

Infrastructure posture

Continuous reporting, transparency, and a principles-first actuarial backbone.

Every position, every reserve, every capital decision — observable, auditable, and defensible at portfolio scale.

Live

Liability State

Integrated

Asset Management View

Continuous

Portfolio Action

The 1LX operating edge

RBC-Aware

Every allocation decision evaluated within regulatory capital and reserve constraints

0system

Policy to portfolio

From origination data through liabilities, capital, and live portfolio action

Constraint coverage

Duration, convexity, credit quality, and mandate limits enforced in real time

∞

Maximum velocity

Maximum decisioning velocity — moving from quarterly committee cycles to real-time

Static ALM is breaking modern insurance balance sheets

Most insurers still run ALM quarterly, using static models and disconnected tools.

This creates:

Duration drift — quarterly cycle

TargetStatic ALM

Structural drag

Yield leakage from delayed deployment

Duration drift between assets and liabilities

Capital inefficiency under regulatory constraints

Lack of visibility into real-time balance sheet risk

As portfolios scale and products become more complex, static ALM becomes a structural disadvantage.

A continuous, liability-aware ALM system

Quant posture

The operating model feels less like a static reporting tool and more like a live market system for liabilities, capital, and assets.

1LX is AT1’s real-time ALM engine.

It continuously:

Translates policies into liability cashflows

Calculates capital and reserve requirements

Optimizes portfolio allocation under constraints

Adjusts decisions as markets and liabilities evolve

Instead of periodic analysis, insurers operate on a live balance sheet.

Built by practitioners, not consultants

AT1 is built by insurance and asset management professionals who have operated balance sheets in practice.

Deterministic and auditable

Designed for institutional workflows

Built to integrate with real portfolios and data systems

Core Capabilities

Institutional workflows, modeled as operating infrastructure

1LX combines liability intelligence, capital analytics, and portfolio decisioning in one continuous system.

Liability Modeling

Convert in-force and new business into detailed cashflow projections.

Capital & Solvency

Integrated reserve, capital, and RBC-aware analytics.

Portfolio Optimization

Allocate assets dynamically under constraints and mandates.

Continuous ALM

Monitor, rebalance, and adapt in real time.

Integrated Stack

From policy issuance to portfolio optimization — one system

AT1 is building an integrated insurance stack that connects policy origination, liabilities, capital, and assets.

One operating graph from policy signal to portfolio action.

Sequential + integrated

PAS / Policy Issuance

Ingest policy data, riders, and product features from administration systems.

Liability Modeling & New Business Forecasting

Project cashflows, reserves, and new business impact across scenarios.

Capital & Solvency (RBC)

Calculate statutory capital, RBC ratios, and regulatory constraints.

1LX ALM Engine

Optimize asset-liability alignment under duration, convexity, and capital targets.

Asset Portfolio

Execute allocation decisions across fixed income, alternatives, and hedges.

Book of Record

Maintain the authoritative state of positions, trades, and compliance.

PAS / Policy Issuance

Ingest policy data, riders, and product features from administration systems.

Liability Modeling & New Business Forecasting

Project cashflows, reserves, and new business impact across scenarios.

Capital & Solvency (RBC)

Calculate statutory capital, RBC ratios, and regulatory constraints.

1LX ALM Engine

Optimize asset-liability alignment under duration, convexity, and capital targets.

Asset Portfolio

Execute allocation decisions across fixed income, alternatives, and hedges.

Book of Record

Maintain the authoritative state of positions, trades, and compliance.

Each layer feeds the next, creating a continuous, closed-loop balance sheet system.

The AT1 Platform

The actuarial foundation behind every AT1 product

The actuarial computation layer powering every AT1 product

Actuarial Policy Administration System

Asset-liability-management engine

Asset intelligence and analytics

Managerial actuarial Book of Record

Liability Pricing Engine

Solver-based, target-return pricing with full quote traceability at issuance.

Actuarial Engine

Fully aggregated liability projections with complete actuarial fields and exportable outputs.

Portfolio Optimizer

Liability-aware portfolio construction under asset, RBC, solvency, and ALM constraints.

Asset Cashflow by Instrument

Instrument-level asset cashflow projections aggregated across the full portfolio.

ALM Dynamic Optimization Control Tower

Real-time asset–liability projections with dynamic optimization across yield, duration, and capital.

ALM Execution & Book Order

Optimizer-generated asset sourcing and rebalancing actions tied to ALM projections.

Asset Cashflows & Portfolio Timeline

Loan-level asset cashflows aggregated into portfolio timelines for ALM.

Liquidity, Funding & Cash Rollforward

Period-by-period cash reconciliation across assets, funding, and liquidity.

Flexible deployment

Deployment can match your operating model, from embedded managed workflows to direct platform integration.

Mode 01

ALM as a Service

AT1 delivers 1LX as a continuous managed service — your team operates with live balance sheet intelligence without running the infrastructure.

Mode 02

Direct Platform

Deploy 1LX within your infrastructure and workflows.

Mode 03

Platform Partnerships

Work with AT1 to build or scale integrated insurance platforms.

Request Demo

Move from static ALM to real-time decisioning

Request Demo