Financial Model, Financial Services, Insurance

5-year Financial Projections, Budgeting, Cash Flow Projections, Dashboard, Debt Amortization, Debt Schedule, Excel, Financial Analysis, Financial Model, Financial Modeling, Financial modelling, Financial Planning, Financial Projections, Financial Ratios, Financing, Forecasting, Income Statement, KPIs (Key Performance Indicators), Loans, Profitability Analysis, Revenue Projections, Scenario Analysis, Stress Test, Three Statement Model | Three Financial Statements

INSURANCE COMPANY 3-STATEMENT FINANCIAL MODEL | 60-MONTH PREMIUM EDITION

Underwriting. Reserves. Reinsurance. Liquidity. Financial Decisions.

Develop a structured 60-month financial forecast for a non-life insurance company. This independent, editable Excel model connects gross written premiums, earned premiums, incurred and paid claims, technical reserves, proportional reinsurance, investment income, financing and three linked financial statements.

Designed for insurance entrepreneurs, finance managers, analysts, consultants and educators evaluating illustrative insurance operations.

All sample inputs, projections and financial outcomes are fictional.

📊 EXECUTIVE DASHBOARD & EIGHT NATIVE CHARTS

The dedicated dashboard summarizes five-year written premiums, net earned premiums, net profit, underwriting performance, claims loss ratio, expense ratio, combined ratio and gross technical reserves.

Eight native Excel charts visualize the relevant operating, reserve and financial trends using linked workbook calculations.

Review the dashboard alongside the annual management summary and MODEL CHECKS.

◈ 15 EDITABLE INSURANCE LINES

Configure 15 illustrative underwriting portfolios, including motor, property, liability, marine, cyber, travel, pet and commercial insurance categories.

Editable assumptions include monthly gross written premiums, annual premium growth, loss ratios, acquisition commissions, quota-share reinsurance, ceding commissions, claims payment lags, launch months and coverage terms.

Monthly seasonality and selected scenario factors influence the 60-month premium forecast.

◈ EARNED PREMIUMS & TECHNICAL RESERVES

Distinguish cash premium collections from premiums recognized over the insurance coverage period.

The model calculates gross earned premiums and unearned premium reserves using a simplified straight-line earning convention.

Follow acquisition costs through upfront commission payments, earned expense recognition and deferred acquisition cost balances.

Review how these accounting and cash-flow differences influence monthly profitability and the balance sheet.

◈ CLAIMS INCURRED, PAID & OUTSTANDING

Model incurred claims from earned insurance exposure and line-specific loss-ratio assumptions.

Claims payments follow configurable whole-month settlement lags.

A dedicated reserve engine tracks outstanding gross claims and proportional reinsurance recoverables.

The reserve bridge provides separate gross, ceded and net technical balances.

These calculations are simplified management estimates, not independent actuarial reserve certifications or IBNR studies.

◈ REINSURANCE & INVESTMENT PORTFOLIO

Analyze proportional quota-share reinsurance, ceded premiums, ceding commissions and deferred reinsurance balances.

An illustrative excess-of-loss premium-cost module is included. It does not model catastrophe claim recoveries, event limits or reinstatement premiums.

Fifteen editable asset-allocation categories support opening investment balances, recurring purchases and assumed investment yields.

Investment income connects to financial results and cash flow.

◈ THREE INTEGRATED FINANCIAL STATEMENTS

Review 60 monthly periods of connected financial reporting:

Income Statement: Net earned premiums, incurred claims, acquisition expenses, underwriting results, investment income, financing costs, tax and net profit.

Cash Flow Statement: Premium receipts, claims settlements, commission cash flows, operating expenses, investment purchases, CAPEX, debt repayment and dividends.

Balance Sheet: Cash, invested assets, deferred acquisition costs, reinsurance recoverables, technical liabilities, debt, PPE and equity.

A separate five-year annual summary consolidates performance and year-end financial balances.

◈ THREE OPERATING SCENARIOS

Select Base, Upside or Downside.

Scenario assumptions influence premium growth, claims inflation, excess-of-loss insurance costs and recurring operating expenses.

The selected scenario recalculates the connected monthly schedules, annual reports and dashboard.

The model includes cash-buffer monitoring and monthly reconciliation checks.

Model-integrity PASS results indicate that specified accounting and calculation relationships reconcile; they do not demonstrate regulatory solvency or guarantee financial viability.

◈ MODEL CHECKS & TRANSPARENT ASSUMPTIONS

Built-in checks cover balance-sheet identity, cash reconciliation, premium movements, reserve balances, claim recoverables, debt, investment movements and relevant technical relationships.

A START HERE navigation page and embedded USER GUIDE help users understand the workbook structure and calculation conventions.

Editable assumptions and calculated outputs are visually distinguished.

📦 WHAT YOU RECEIVE

1 Editable Excel Financial Model (.xlsx)

24 connected worksheets, 60 monthly forecast periods, 15 insurance lines, 15 investment allocation categories, three operating scenarios, three linked financial statements, five-year annual summaries and eight native Excel charts.

1 Professional 37-Page English How-to-Use Guide (.pdf)

A comprehensive handbook covering model setup, navigation, underwriting assumptions, premium recognition, claims and reserves, reinsurance, investment planning, financing, financial statements, scenarios, liquidity, reconciliation checks, troubleshooting and glossary terms.

🧭 GETTING STARTED

Save a working copy and begin with START HERE.

Configure the reporting start date, currency label and selected scenario in CONTROL.

Replace the fictional underwriting inputs in INSURANCE LINES and review investment assumptions in ASSET ALLOCATION.

Inspect premium and claims calculations, technical reserves, financial statements, annual results and the executive dashboard.

Review MODEL CHECKS before using financial outputs.

⚙️ TECHNICAL SCOPE & COMPATIBILITY

The sample forecast begins in January 2029 and runs through December 2033. The start date is editable.

The workbook uses an editable currency label, not automatic foreign-exchange conversion.

Delivered as a macro-free Microsoft Excel XLSX without required external data connections.

Microsoft Excel Desktop is recommended. Actual Excel Desktop opening/recalculation and Google Sheets import have not been independently verified for this package.

The model is not a regulatory reporting system, actuarial claims-reserving platform, IFRS 17 calculation engine, Solvency II capital model or Swiss SST model.

Insurance billing, cancellation behavior, claims development, tax treatment, invested-asset risks and reinsurance contracts use simplified assumptions.

🛡️ IMPORTANT DISCLAIMER

This is an independent, unofficial financial-planning template developed by SheetworksStudio.

It is not audited, certified, regulator-approved, lender-approved or endorsed by an insurer, financial institution or software provider.

All sample data is fictional. Model checks do not establish capital adequacy, reserve sufficiency, profitability or compliance with insurance regulations.

Users must independently validate business-specific assumptions and consult qualified actuarial, financial, accounting, regulatory, tax and legal professionals as appropriate.

No financial performance or investment outcome is guaranteed.

Bring underwriting assumptions, insurance liabilities and long-term financial planning into one transparent 60-month Excel system.

Digital product only. No physical items are included.