01
Fair value under a microscope
Regulators are scrutinising whether premiums represent fair value for policyholders. Demonstrating this systematically — across every product line, every year — requires infrastructure most insurers don't have.
Skyjed structures fair value assessments within the product lifecycle, with full documentation and evidence trails.
02
Target market determinations at scale
TMDs require regular review, documented evidence, and clear accountability — across potentially hundreds of products. Managing this manually creates both operational strain and material compliance risk.
Skyjed automates TMD review scheduling, tracks completion, and captures evidence for each assessment.
03
Audit preparation that consumes weeks
Preparing for APRA reviews and regulatory audits is a manual, time-consuming process of gathering evidence that was never organised to be found quickly. Teams spend weeks on what should take hours.
Skyjed collects evidence automatically throughout the year — audit-ready, always.
04
Product proliferation without oversight
Insurance portfolios grow through product launches, acquisitions, and market expansion — often faster than governance structures can keep up with. Products drift, reviews lapse, and risks accumulate unseen.
A centralised Asset Register with AI health scoring gives you visibility across every product, always.
05
Approval accountability gaps
In an industry where every product decision needs to be defensible, approvals handled over email leave no traceable record. When a regulator asks who approved a product change, the answer must be findable.
Every approval in Skyjed is logged, attributed, and permanently retrievable — with full context.
06
Claims performance disconnect
Product governance and claims performance data exist in different systems. The signals that should trigger a product review are rarely connected to the governance workflow that would initiate one.
Skyjed's performance dashboard and course-correction triggers connect performance signals to governance action.
Product types Skyjed manages
Home and contents
Motor insurance
Life insurance
Health insurance
Commercial lines
Liability products
Travel insurance
Business interruption
Specialty lines
Reinsurance products
Embedded insurance