LeadAii

An ALM-anchored
operating layer for
life & retirement.

One controlled platform unifying asset, liability, actuarial, risk, and finance workflows — built on a first-principles ALM foundation and orchestrated by agentic AI, with human checkpoints and full execution trace by design.

Backed by JAB
$100B+
Managed in the U.S.
$30B+
Across Bermuda entities
$2B+
In Cayman reinsurer
01 / PROBLEM

Insurance is complex and slow to respond to market shifts.

Legacy operations face hard limits in speed, cost efficiency, and scalability. Four failure modes repeat across every carrier.

01

Fragmented systems

Actuarial, risk, finance, and investment stacks run on disconnected platforms — each a single version of its own truth.

02

Manual handoffs

Every step between teams is a checkpoint, a spreadsheet, a reconciliation — compounding error and burning cycles.

03

Delayed action

Full model runs land on quarterly cadence. By the time the book moves, the market already has.

04

Data blindness

Stale assumptions and missing feeds hide profitable segments and mask emerging risk concentrations.

02 / SOLUTION

LeadAii + pALM

The ALM-centered operating layer.

One controlled platform unifying asset, liability, actuarial, risk, and finance — built on a first-principles ALM foundation and orchestrated by agentic AI, with human checkpoints and full execution trace by design.

Before — Fragmented Stack

Five systems, five truths.

Actuarial siloed
Investment siloed
Risk siloed
Finance siloed
Reporting siloed
manual handoffs → reconciliations → delays
After — Integrated Operating Layer

One orchestrated model run.

LeadAii Agentic Layer ORCHESTRATION
Bounded agents · Human-in-the-loop · Full execution trace
Platform Services CONTROL
Validation · Governance · Policy · Audit
pALM — Integrated ALM Core FOUNDATION
Asset + Liability on one model, one truth
one version of truth → agent-orchestrated → real-time
Glass box, not black box.   Every step visible.   Every output reproducible.
03 / PLATFORM

Built for institutions that need intelligence they can audit.

Six engineering pillars of the LeadAii + pALM platform — engineered so speed never costs you control.

Integrated ALM Foundation

pALM models assets and liabilities on a single platform — a first-principles engine powering every downstream workflow.

Agentic Workflow Orchestration

Specialized agents execute scope-defined workflows — routing, retrieval, drafting, review, escalation — within policy-bounded limits.

Human-in-the-Loop Governance

Every agent step is proposable, reviewable, and override-able. Authority stays with the humans who sign the filings.

Continuous Validation & Monitoring

Assumption drift, stale data, and reconciliation gaps surface live — not at quarter-end.

End-to-End Execution Trace

Immutable step-level logs, lineage, and reproducibility for every output. Built for audit and SOC-grade review.

Purpose-Limited Data Handling

No training on customer data. Configurable residency, retention, and sub-processor controls — designed for NAIC Model Audit Rule and state DOI third-party expectations.

Designed for alignment with  ·  NAIC Model Audit Rule  ·  NIST AI RMF  ·  State DOI third-party risk and cyber expectations.
04 / PAYOFF

Speed, with a control tower.

Governance is embedded as a core principle within the LeadAii framework. Streamlined operating model — without giving up the oversight regulated institutions require.

01 / Efficiency

Hours, not quarters.

Multi-team, multi-system workflows compress into a single orchestrated model run. Capacity unlocks for strategy, not reconciliation.

02 / Accuracy

Breaks eliminated.

Validated workflows, consistent models, and one source of truth remove the manual handoffs that generate errors.

03 / Auditability

Proof, by default.

Immutable logs, step-level validation, and full run traces deliver regulator-ready evidence for every decision.

04 / Transparency

Glass-box AI.

Explainable outputs with human oversight built in. No opaque models; every agent step is reviewable and override-able.

Result An operating model that enhances the transparency and intelligence of stakeholder reports — running at the speed of computation.
05 / STRATEGY

From market signal to priced product in one governed pipeline.

A four-step flow from market inputs to decision-ready pricing, with governance at every step. Idea to priced product in a day — not months.

01 / INPUTS
Market & Product Inputs

Signals in.

  • Market data
  • Competitor product information
  • Customer needs & demand signals
  • Product features & riders
  • Innovation themes
Captures external market signals and internal design inputs.
02 / ANALYSIS
LeadAii Analysis Layer

Structure.

  • Compare product designs
  • Evaluate feature trade-offs
  • Assess risk & return implications
  • Identify viable configurations
Clarifies which features drive value, risk, and competitiveness.
03 / ENGINE
Actuarial Pricing Engine

Price.

  • Pricing model setup
  • Assumption selection
  • Scenario testing
  • Capital & profitability analysis
  • Transparent pricing workflow
Transforms structured inputs into governed pricing analysis.
04 / RESULTS
Decision-Ready Outputs

Decide.

  • Indicative pricing
  • Product profitability
  • Capital impact
  • Sensitivity analysis
  • Transparent documentation
Delivers faster, more informed, more auditable decisions.
Indicative · Illustrative
$1,425 / month
Sample product output — premium estimate
RBC
185%
Risk-based capital ratio
Sensitivity
Lapse · Mortality · Rate
Test custom built scenarios in minutes
Aligned by design

Built for the governance U.S. insurers and regulators require.

SOC 2 Type II Sarbanes-Oxley-ready audit trail No training on customer data
06 / PEDIGREE

Built inside $130B+ of live insurance operations.

LeadAii is operated by Agam Capital — which today manages ~$30B in Bermuda, $100B+ in the U.S., and supports a Cayman reinsurer. Plan to grow AUM 2× in the next 24 months.

United States
$100B+
Enterprise ALM for a highly rated U.S. mutual insurer under a long-term strategic partnership.
Bermuda
$30B+
Across the ISAs and strategic managed service partnerships, including a $7B Japanese ceded block; a second $6B block expected in 2026.
Cayman
$2B+
Managed for a Cayman reinsurer Agam supported at launch in 2025 — two block transactions closed, flow business anticipated.
Japanese Block
$10B+
Japanese products managed in Bermuda — proven under Japan-regulated product frameworks.
Lifecos supported Prudential Guardian Life American Equity Life Ohio National National Life Group + others
Reinsurers Prismic Life AeBe Re Vernon Re AeCe Re Investors 26North JAB + others
07 / EVOLUTION

Three eras of integrated intelligence.

From fragmented legacy infrastructure, through a unified ALM platform, to agentic AI operations in real time.

Industry Present
Legacy Insurance Infrastructure

Fragmented systems and spreadsheets.

Actuarial, risk, finance systems, spreadsheets, and workflows operating in parallel — each a version of its own truth.

Present · Agam
pALM — Integrated ALM system

One model. Asset and liability together.

Integrated Asset and Liability Management platform creating a single version of truth across actuarial, risk, and finance — integrating liability and asset modeling.

Future
LeadAii — Agentic Platform

Autonomous intelligence & integration.

LeadAii brings to life a truly seamless end-to-end agentic operations and analytics platform — AI-driven intelligence that unlocks maximum value in real time.

Let's talk

What takes your team months, LeadAii handles in hours.

Complex cross-functional workflows, replaced by a process as simple as asking and receiving. Thirty minutes with our team is enough to know if it's a match.

Schedule a Call
No commitment. No sales deck.