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Insurance: Premium Deficiency Reserve (PDR)

Assesses if future premiums are sufficient to cover expected claims and expenses.

Act as an Insurance Accountant. Perform a Premium Deficiency Reserve (PDR) test for the {line_of_business} portfolio. Unearned Premium Reserve (UPR): {upr_amount}. Expected Loss Ratio: {loss_ratio}%. Expected Maintenance Costs: {maint_costs}. If a deficiency exists, record the liability and the 'Deferred Policy Acquisition Cost' (DPAC) impairment.

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