Re-calibrating insurance risk selection and pricing with data

Risk intelligence for the next frontier of insurance.

Luminant Analytics helps insurers improve risk selection, pricing, and portfolio performance — using curated external data, advanced modeling, and the industry's first Web3 and quantum infrastructure layer.

Explore our services Read the research

Four practices. One mission.

From bespoke risk models to next-generation infrastructure — Luminant Analytics delivers intelligence at every layer of the insurance value chain.

01

Targeted portfolio analytics

We assess your books of business by identifying inflection points or post-runoff opportunities with yours and our data.

02

Advisory services

C-suite guidance on Data, AI and Quantum Computing through one-to-one and group courses.

03

Strategic white papers

Authoritative, data-driven research for institutional investors — covering emerging risks, market dislocations, and the future of technology as embedded in financial services.

NEW
Web3 & Quantum Infrastructure

The insurance industry's first Web3 and quantum infrastructure layer.

Why Luminant Analytics

Old ways will not open new doors.

Insurers often struggle to maximize the value of their own data. Legacy, siloed systems make it difficult to extract insights, leading to missed opportunities, stalled growth, and underperformance across books of business. We do not rely on broad industry statistics to close these gaps. Instead, we apply advanced analytics and technology-powered insights directly to your actual book of business.

About us

The team

Combining incumbent learnings with insurtech prowess.

A team of insurance industry veterans bringing in over 60 years of combined experience in insurance and reinsurance, with backgrounds at leading carriers such as Great West, Swiss Re, Travelers, and AIG, spanning multiple casualty lines.

Dr. Renu Ann Joseph

Founder & CEO · Data

Dr. Renu Ann Joseph

A data leader, entrepreneur and economist with over two decades of global experience, she has spent nearly a decade in re/insurance and since 2017 has spun out 2 ventures, written 2 books and created 2 podcasts. Her expertise spans statistics, economics, AI and quantum computing. She holds a Ph.D. in Economics from the University of Illinois at Chicago (2010).

Richard Bren

Underwriting

Richard Bren

A trucking insurance executive with deep underwriting, marketing, sales, and risk management experience. His domain expertise grounds Luminant's tech savviness to both where the industry is now and where it should be. He brings a broad understanding of the marketplace for any partnership and is a natural connector of insurtech advancements with specialized services, technology, and program offerings for the transportation industry.

Somil Jain, FCAS

Actuarial

Somil Jain, FCAS

A Fellow of the Casualty Actuarial Society with deep expertise in loss reserving, pricing and predictive modeling. He also specializes in helping emerging MGAs and carriers create the best admitted or non-admitted (E&S) insurance products. His Wharton MBA with a focus on Direct-to-Consumer marketing makes his tool set vibrant and nested in business acumen.

Arthur T. Healey, CPA, JD

CFO

Arthur T. Healey, CPA, JD

A tech-savvy CFO with 30+ years' experience overseeing corporate finance, accounting, and legal functions of early-stage technology companies. His experience includes 18 years as CFO and 12 years as CPA and Manager at Big Four public accounting firms. Art holds a Juris Doctorate from Villanova University's Charles Widger School of Law and an accounting degree from Villanova.

Research

Strategic white papers

White paper

Autonomous Trucking

An in-depth analysis of how autonomous vehicle technology is reshaping risk profiles, liability frameworks, and how quantum computing can be integrated — and how investors should view autonomous trucks to be different from autonomous cars.

For paid access to paper, write to renu@luminantanalytics.com → →

White paper

Quantum Computing

Exploring the state of commercialization of Quantum Computing and insights into use cases. A short primer into Quantum Computing ending with an investment memo.

For paid access to paper, write to renu@luminantanalytics.com → →

White paper

Stablecoin

A strategic examination of stablecoin adoption within financial services and its emerging role in insurance premium settlement, claims disbursement, and decentralised risk transfer.

For paid access to paper, write to renu@luminantanalytics.com → →

Publications

Sep 2024

Spring boarding AI – Data Centers are sexy now

Sep 2024

One step behind, when it comes to investment decisions
View all on Medium →

Ready to sharpen your risk intelligence?

Where frontier technology intersects with insurance.