Cloud Engineering Excellence for Insurers.
All your models, twice the speed, half the cost.
WHO WE ARE
fourTheorem has deep expertise in hybrid cloud architecture and complex modernisation for insurers.
Nine years building production systems for (re)insurers: catastrophe and financial modelling, risk rollup, data platforms and large-scale modernisation on AWS.
RESULTS FIRST
Already delivered, and running in production.
Tier 1 Global Reinsurer
Execution time reduction on a business-critical risk rollup
Specialty Reinsurer
Reduction in modelling costs, live for the January 2025 renewal.
Tier 1 General Insurer
Applications in an industrialised modernisation portfolio.
Oasis LMF SaaS
Catastrophe models on a neutral, multi-tenant platform.
THE INSURANCE WORLD
More volatility, more data, same renewal deadlines.
The industry faces increased volatility across multiple perils, driven by climate change and geopolitical instability — while exposure data, model resolution and simulation sets keep growing.
Global insured nat-cat losses · USD
$148bn
Source: Swiss Re Institute, sigma research. 2026 = long-term trend estimate (sigma 1/2026).
PRESSING CHALLENGES
Real, structural and growing. Outdated, siloed products, reactive exclusions and poor information exchange all contribute.
New classes of risk such as cyber and AI are challenging to price and raise cross-class solvency concerns.
More exposure data, higher-resolution models, larger simulation sets. Ad hoc spreadsheet analytics is increasingly untenable.
Boards expect AI deployed in underwriting document review, policy wording Q&A and claims adjustment.
Siloed monoliths that are difficult to change, with capacity constraints and resource contention during renewals.
DATA-DRIVEN INSURANCE
Move from hindsight to insight to foresight.
Most carriers are already data-rich, but the analytical focus stays historical. Responding to a changing risk landscape takes all three.
WHAT WE DO
Cloud engineering for the workloads that matter most.
From exposure management and risk rollup to catastrophe modelling, submission-to-bind and underwriting systems, each built on accelerators taken from real insurance use cases.
Financial, risk & catastrophe modelling
Exposure, rollup, pricing and capital workloads, engineered for the cloud.
High-performance compute on cloud
Massive-scale, elastic compute without grids, queues or capacity planning.
Migration & modernisation at pace
From portfolio analysis to industrialised modernisation factories.
Data strategy & engineering
Governed, self-service data platforms that put domain experts in control.
CLOUD ACCELERATORS
Battle-tested delivery assets, extracted from real insurance programmes.
Every bundle includes proven and supported infrastructure-as-code templates, architectural guidance, professional services, and training and upskilling.
Modelling Accelerator
Serverless HPC for financial and catastrophe modelling. Unconstrained parallel execution, elastic scaling and scale to zero.
Landing Zone Accelerator
A secure, scalable, multi-account AWS environment aligned with the Well-Architected Framework — without the project delays and rework.
Data Platform Accelerator
From stagnant data silos to a self-service platform where actuarial experts own their data products. Zero-ETL, governed and AI-ready.
Modernisation Factory
A systematic methodology and portfolio of tools and patterns for transforming legacy application portfolios at pace and scale.
WHY FOURTHEOREM
Where we add value.
Insurance technologists
Technology experts with a passion for (re)insurance, bringing over 50 years’ combined experience in the industry.
Performance and scale
Significant performance improvements for the most technically demanding customers, unlocking business scale.
Optimised cloud
The expertise to navigate the complexities of the cloud, striving for simplicity and optimising for cost.
Fast, low-risk delivery
A systematic methodology for insurance modernisation and battle-tested accelerators, to deliver safely at pace and scale.
Secure and trusted
Trusted by Tier 1 carriers with the most challenging workloads. Security is always Job Zero.
AI expertise
Our team has collectively authored six books on machine learning and data science, plus other software engineering titles.
INTRODUCING TEMPO
Efficient, high-throughput compute for insurance analytics at any scale.
Tempo is a portable high-throughput compute (HTC) platform for efficient, massive-scale modelling workloads.
Any scale, anywhere
Runs on a laptop, on-premises clusters or cloud — AWS, Azure or GCP — to meet data-residency, regulatory and multi-cloud commitments.
Cost efficient & transparent
Scales to zero when idle, schedules for cost or performance, and reports cost in real time with predictive pricing per run.
Plug & play
Integration at the workflow boundary: submit work, receive results. Every run reproducible and auditable for Solvency II, IFRS 17 and internal audit.
Run by your modelling team
Two or three engineers alongside their other work — not a dedicated platform group. From what-if question to production report in days.
CASE STUDIES
We're on a mission to build better digital businesses.
A neutral, multi-tenant SaaS platform for catastrophe modelling, accessed industry-wide through Moody’s Intelligent Risk Platform.
- Delivered in one quarter with our Landing Zone and Modelling accelerators
- Per-tenant isolation, with compute that scales to zero between model runs
- Models of 300GB–1TB executing within weeks
On the platform
300+
Catastrophe models from ~20 independent providers, now available.
AWS ADVANCED SERVICES PARTNER
We help insurers accelerate complex modelling, modernise critical systems and achieve more with the cloud.
INSIGHTS TO HELP YOU STAY AHEAD
Content Hub
Explore our podcasts, open-source projects, articles, books, and events.