IFM ®, Integral Financial Modeling: A Scientifically Validated Tool for Insurance Portfolio Management


IFM® , Integral Financial Modeling, stands as an unrivaled software tool, scientifically validated by a panel of distinguished scientists in Europe. Recognized internationally and grounded in rigorous evidence, IFM® has been the trusted choice of (inter)national clients for over two decades, providing them with tangible benefits on a daily basis.


IFM® empowers insurers to seamlessly analyze and control their customer portfolios, ensuring their financial stability and profitability.

As an independent tool, IFM® adheres to the stringent requirements of Solvency II (ORSA) and IAS/IFRS 17, providing insurers with the confidence that their portfolio management practices are aligned with the highest international standards.


IFM® promotes cost-effective management control, enabling insurers to optimize resource allocation and minimize unnecessary expenses. By leveraging sophisticated forecasting models, IFM® accurately estimates, validates, and predicts the performance of insurance portfolios, allowing insurers to make informed decisions that drive profitability.


With IFM®, insurers can optimize their portfolio composition, ensuring a balanced distribution of risk and maximizing returns. Additionally, IFM® accurately calculates damage provisions for insurers, ensuring that they are financially prepared for future claims.


IFM® empowers insurers to review future premiums per risk group, ensuring that pricing strategies are aligned with the actual risk profile of their customer base.
Furthermore, IFM® facilitates the setup and forecasting of revenue settlements for care-related expenses, providing insurers with valuable insights into their future financial obligations.


IFM® stands as an indispensable tool for insurance companies seeking to enhance their portfolio management practices, improve profitability, and achieve sustainable growth.

Its scientific validation, international recognition, and proven track record make IFM® the trusted choice for insurers worldwide.