Insurance Financial Model Templates
Free insurance model templates in Excel for premiums, claims, reserves, and underwriting results. These downloads project the core insurance economics - loss ratios, combined ratios, and investment income.
5 free Excel templates in Insurance - free download with email signup.
Life Insurance Valuation Model
Valuation model for life insurance products and in-force book value using mortality assumptions and surrender rates.
Reinsurance Company Underwriting Model
Reinsurance premium income, claims reserves, underwriting margin, and ROE for reinsurance portfolios.
Captive Insurance Company Model
Captive insurer financial projections and reinsurance analysis.
InsurTech Operating and Valuation Model
Operating model for insurance tech platforms including underwriting volumes, loss ratios, expense ratios, and insurance-linked returns.
Catastrophe Bond (ILS)
Single-tranche indemnity cat bond: notional roll-forward, coupon stream, scenario loss paths, IRR / YTM / multiple, sensitivity grid.
Frequently asked
Are these templates really free to download?+
Yes. Every template is a free Excel download with live formulas after email signup. No credit card or paywall is required. Click any template, enter your email, download the .xlsx file, and open it in Excel, Google Sheets, or LibreOffice.
What does an insurance model calculate?+
Insurance models project earned premium, incurred claims, and reserves, and derive the loss ratio, expense ratio, and combined ratio - plus investment income on the float - to show underwriting profitability.
Do these cover both life and P&C insurance?+
The category includes templates for property & casualty and life/health lines. Choose the template that matches the product mix you are modelling.
Can I edit the models after downloading?+
Yes. The free downloads are unlocked Excel workbooks with live formulas, no macros, and no password protection. You can change assumptions, add rows, relabel line items, and adapt the structure.
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