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Regulatory Intelligence for Insurance

Analysis you can act on.
Decisions that are yours.

Solvance reads a regulation article by article and hands you the policy wording you are missing, traced back to the article it rests on.

In live use

Solvance is running at Nordic insurers today. The analysis has been read and judged by the people who carry compliance inside them, and by a former head of insurance supervision.

The problem

A supervisor publishes an amendment on a Tuesday morning in March. In most companies, that Tuesday ends with someone booking a steering group for November.

Reading the regulation is not the hard part. Accounting for all of it is.

A new framework lands. Somebody works through it article by article against a folder of policies written by people who have since left. It takes weeks, and at the end the honest answer to "are we covered" is still "we think so".

Weeks go into cross-checking

Manual comparison of every article against every policy, repeated each time a regulation changes or a document is revised.

The gaps you miss stay invisible

You can show what you found. You cannot show what nobody thought to look for, and that is the part a supervisor asks about.

The reasoning lives in one head

Why a policy says what it says is institutional memory. It walks out of the door when the person who wrote it does.

How it works

The analysis exists before the question.

Everything else on this page follows from one choice about when the work happens.

The usual way: the answer is built at the moment you ask

FirstYou ask a question
ThenThe tool retrieves passages that look relevant
And soAn answer is written from what came back

What you cannot see: everything that was never retrieved. The gap is invisible to the person who asked, which means it is also invisible to the board.

The Solvance way: the answer is already made before you ask

BeforeThe whole regulation is read against all of your documents, article by article
ResultEvery requirement answered, owned by a named role, traced to its source
ThenYou ask, and the answer is retrieved rather than written

What you can show: that nothing was skipped, and where every conclusion came from.

The context is already in

Your risk profile, your roles and your documents are counted in when the analysis is made, not when the question is put.

Every article is answered

No article is left unanswered, so you can show that the whole framework is covered rather than the part someone asked about.

Every answer traces back

From conclusion to paragraph, and on to the passage in your own document. Material you can put in front of internal audit and the supervisor.

“Solvance Analytics has built a platform that analyses the relationships between regulations, not just the regulations themselves, with full traceability at every step. It gives insurers the ability to understand the consequences of regulatory change before it hits their operations, and to demonstrate to supervisors exactly how they reached their conclusions.”

Åsa Larson · Advisor, former head of insurance supervision at Finansinspektionen

What you get

Not advice about your compliance. The analysis itself.

Consultants leave you with a report. Register tools leave you with checklists. Solvance delivers the work that sits between the two, with the wording you need where your documents fall short. Adding a framework you are missing is a routine, not a project.

External regulation

Around twenty frameworks. What applies to a Nordic insurer or occupational pension provider is already in the library, including the delegated acts, technical standards and guidelines underneath each one.

  • Solvency II, with delegated acts and guidelines
  • IORP II, for occupational pension providers
  • DORA, with its RTS and ITS
  • IDD · IRRD · EU AI Act
  • Anti money laundering, with national law

Solvance

Structured article by article into answerable requirements, mapped to the roles that must own them, tested against your documents.

  • Requirement structuring
  • Ownership mapping
  • Gap analysis with drafted text
  • Cross-regulatory synthesis
  • Full source lineage

Your governance framework

Your own documents, risk profile and positions, read exactly as they are written.

  • Policies and instructions
  • Roles and committees
  • Board reporting

A DORA analysis produced 42 proposed policy changes. Here is one of them.

The drafted wording carries the article it rests on. The reasoning behind it is written down, and open to inspection the moment someone asks.

Solvance Prism showing the drafted wording for a policy section, numbered and ready to paste
Drafted wording for an operational risk policy, with the article references it rests on.
“Solvance has the potential to fundamentally transform that process. The most valuable aspect is the concrete proposed policy amendments, clear guidance on what is missing from our governance documents and what needs to be adjusted.”

Rosita Öhman-Qvist · Governance Manager @ Rentokil Försäkring AB

Who we are

Compliance specialists who built the tool they wanted.

Solvance is built by people who have worked inside European insurance regulation, not by a generalist AI company that picked compliance as a market. We read Solvency II, DORA, IDD, IRRD and the EU AI Act the way a specialist would, and we are answerable for the analysis we deliver.

People who have worked on the supervisory side of the table read what we produce.

Six people, and the regulation they have spent their careers inside.

The core team
Anna-Karin Toresson Weigel Anna-Karin Toresson Weigel CEO and co-founder

Leads the commercial work and the customer relationships.

Jörgen Olsén Jörgen Olsén CSO and co-founder

Methodology and analytical science. Built the original analysis engine.

Monika Martinsson Chief Growth Officer

Product and commercial work, from what we build to how it reaches a buyer.

Måns Af Klercker CTO

Builds and runs the platform the analysis is delivered in.

Advisory board
Monica Cramér Manhem Monica Cramér Manhem Insurance and reinsurance

Long experience of insurance and reinsurance, including as CEO of SiriusPoint International.

Björn Weigel Growth and capital

Advises on how Solvance is built and financed, so the company can carry long term commitments to the customers it takes on.

Your own documents

Turn twenty years of policy documents into something you can use.

Solvance reads legacy text meaning by meaning, not keyword by keyword. A requirement is matched on what a passage actually commits you to, even when your document never uses the regulation's vocabulary.

Roles

Every requirement has an owner. The analysis names them.

A regulation does not land on a company, it lands on people. Each requirement is mapped to the roles that must carry it, so the work can be handed out instead of discussed.

A dossier per role

The board gets its own, and so do the risk function, the actuarial function, IT and the data protection officer. Each one holds the obligations that reach that role, with the articles behind them.

A reading list, not a framework

Nobody has to read DORA end to end to find their part of it. The dossier is the part that applies to them, in the order it applies.

Allocation you can show

Where two roles both carry something, or where nobody does, it comes out as a finding rather than as a surprise. Solvency II asks for clear allocation and appropriate segregation, and this is where you evidence it.

Mapped in a DORA analysis
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The compliance year

A first analysis becomes a baseline that stays alive.

Every article tested against every role and every policy. Three cadences keep it current.

  1. On change

    A new run is scheduled

    When a framework is added or amended, and when one of your own policies changes.

  2. Quarterly

    Into your governance rhythm

    Gaps, recommendations and board ready material on the cycle you already run.

  3. Daily

    The reference layer

    Role dossiers, policy views and open search through LUMI.

Where this is going

The amendment published that Tuesday morning read, mapped to your obligations, and drafted against every policy in its blast radius before the coffee has gone cold. Not yet. That is the direction we are building in.

Getting started

One framework at a time, accumulating intelligence

We start with one regulation and deliver a complete analysis. When you add the next, the system shows where they overlap, where they conflict, and where one tightens requirements set by another. Nothing is thrown away between them.

Anna-Karin Toresson Weigel and Jörgen Olsén, founders of Solvance Analytics
Anna-Karin Toresson Weigel & Jörgen Olsén
1

You choose where to start

One framework. Solvency II, DORA, the EU AI Act, or whichever one is pressing on you right now.

2

You hand over the material

A parameter document to look through, a few questions answered, and a handful of your governance documents. About an hour of your time.

3

We deliver in two weeks

The complete analysis in Solvance Prism, with proposed wording where your documents fall short, and open search across all of it.

4

The library grows with you

Framework by framework, at your pace. Each one you add makes the ones already there read against a wider picture.

How you buy

A subscription, not a project.

The first framework builds the baseline everything afterwards reads from. Nothing in it is bought a second time, and the figure is agreed before any work starts.

What the price rests on

The analysis, not the seats

You pay for the work the analysis actually requires, so the cost follows the scope you choose rather than how many colleagues open it.

  • The frameworks you select
  • The governance documents in scope
  • The articles and roles they reach
  • Access for everyone who needs it
What you get for it

A baseline that is kept current

The library is built out one framework at a time, at your pace, and each one is read against the ones already there.

  • Your chosen frameworks kept current
  • Cross-regulatory synthesis across all of them
  • Gaps and board ready material each quarter
  • Open search through LUMI

Scope decides the figure, and we put it in writing before anything is started. Adding a framework later is a routine rather than a new project.

Two pages

Here is what you need to know.

One page on what the analysis contains and what it costs you in time. One page on why the order the work is done in decides what you can prove afterwards. English and Swedish.

One pager

The five things the analysis delivers, the three cadences that keep it current, and the one working hour a first framework costs you.

The analytical layer

A tool that answers when you ask can only weigh what it happened to retrieve. What changes when the whole framework is analysed before the question exists.

Before you ask

The questions a compliance function asks first.

Your own information security questionnaire is completed by us as a standard part of onboarding, in the format your security function uses. It is not something you have to ask for, and it is not answered by a sales person.

Where does our data go?
All customer data is processed and stored within the EU, hosted on Amazon Web Services in Stockholm. It is encrypted in transit and at rest, access is role based and logged, and different customers' data is held separately. We complete your own information security questionnaire as a standard part of onboarding, in the format your security function uses.
Do you train models on our documents?
No. Your documents are used to produce your analysis and nothing else.
Does this replace our compliance function's judgement?
No, and it is not built to. Solvance is analysis and decision support. You make the compliance decisions, and the analysis is there so you can make them on a complete picture rather than a sample. We do not replace risk registers, control testing, incident handling or audit planning.
We already have a GRC system. Where does this fit?
Alongside it, not instead of it. A GRC system records what you decided and tracks the task. Solvance produces the analysis that the decision rests on. No integration is needed for the two to coexist.
Our policy documents are inconsistent and some are old.
That is the normal starting point, and it is part of what the analysis surfaces. Overlaps, contradictions and gaps between your own documents come out as findings rather than as a reason to postpone.
Does our IT department need to be involved?
No. There is no integration against your systems. You share the documents that are in scope and the analysis runs beside whatever you already use.
What happens when the material is not enough to reach a conclusion?
We write that plainly. A gap in the underlying material is reported as a gap. We do not fill it with text that looks like an answer.
“By connecting our organisational structure and governance documents to relevant regulations and industry practices through a tool like Solvance, we see a valuable support for this work. It provides excellent conditions for working proactively, identifying gaps, creating an overview, and it adapts to our organisation-specific context.”

Niklas Lindgren · Risk Manager & Data Protection Officer @ Sveland Djurförsäkringar

A governance meeting around a boardroom table

Bring a regulation you are working on.

In 30 minutes we show you what a structured analysis of that regulation looks like for a company your size, from regulation text all the way to concrete policy amendments. If it is not better than what you have, you have lost half an hour.

Half an hour, on a regulation you are working on. No integration against your systems, and nothing to prepare.

The decisions are always yours, made by you and supported by the analysis.