Labor & LAE savings = Annual claims volume × share suited to automation × average manual hours per claim × cycle-time reduction × fully-loaded hourly cost. This estimates hours returned to your team, valued at current handling cost — not headcount reduction.
Fraud losses prevented = Total annual claims payout × current fraud leakage rate × incremental leakage caught. This estimates additional fraud dollars flagged for investigation that were previously paid out undetected; it assumes flagged claims are correctly denied or referred to SIU.
Combined ratio impact = Total estimated annual impact ÷ annual earned premium, expressed in points. Shown only when an earned premium figure is provided; it approximates the effect on the loss and expense components of the combined ratio and does not include reinsurance, tax, or other adjustments.
This calculator produces illustrative estimates for planning discussions only. Actual results depend on claim mix, existing automation maturity, data quality, and carrier-specific fraud patterns. AgentisIQ builds a validated model from your historical claims data during a scoping engagement.