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Loss Simulation Model and Documentation
The Loss Simulation Model (the "model") has been developed by the CAS using committee volunteers, non-committee reviewers and consultants engaged by the CAS (collectively the “Developers”) for the sole purpose of assisting CAS members and subscribers (the "Users") with an educational and research tool.
The model should ONLY be used for this purpose. Please refer to the Loss Simulation Model Working Party paper for a fuller discussion of the model’s features and additional testing and development work that is needed. The CAS and the Developers disclaim any responsibility regarding use of the results of this model and any decisions made based upon those results.
In the event that any defect in this model is discovered, the CAS may, at the CAS’s sole and exclusive option, remedy, repair or replace the defective model to the extent reasonably possible. The CAS is providing the model for your educational and research use only. The model is not intended to be an industry standard or to represent a CAS endorsement. It is merely one approach that CAS members and others in the industry might want to consider when estimating unpaid claim distributions. The different facts and circumstances of any particular company situation require specific analysis, review, and advice from competent and experienced actuarial professionals.
THE MODEL IS PROVIDED “AS IS” AND FREE OF CHARGE AND YOU ACCEPT THE ENTIRE RISK AS TO THE QUALITY, PERFORMANCE AND RESULTS OF USE OF THE MODEL. THE CAS AND THE DEVELOPERS AND THEIR RESPECTIVE EMPLOYEES, OFFICERS AND DIRECTORS, MAKE NO WARRANTIES OR REPRESENTATIONS, EXPRESSED OR IMPLIED, ORAL OR IN WRITING, WITH RESPECT TO THE MODEL, INCLUDING ITS FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, QUALITY OR ITS NON-INFRINGEMENT. THE CAS AND THE DEVELOPERS AND THEIR RESPECTIVE EMPLOYEES, OFFICERS AND DIRECTORS, WILL NOT BE LIABLE FOR ANY DAMAGES, INCLUDING INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING LOST PROFITS AND LOST DATA) ARISING OUT OF THE USE OF, OR THE INABILITY TO USE THE MODEL. THE CAS AND THE DEVELOPERS SHALL HAVE NO LIABILITY, AND EACH USER AGREES TO HOLD THE CAS AND THE DEVELOPERS HARMLESS FROM ANY LIABILITY, RESULTING FROM THE MODIFICATION OR REVISION OF THE MODEL BY OR ON BEHALF OF SAID USERS, INCLUDING MODIFICATIONS MADE BY THE CAS OR THE DEVELOPERS.
The program code, user interface, data storage, calculations, results, exhibits and graphs generated by the model are only for educational and research purposes. The model may be freely distributed to any other user without the express written permission of the CAS. In the event such distribution is made, the entire model must be provided, including the license agreement in electronic form. This license agreement and any proprietary notices or legends included in the model MUST NOT be removed or modified in any way for any reason or purpose.
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Downloadable Programs, Spreadsheets and Workbooks
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