Natural catastrophe risk has spatial structure, propagation speed, attenuation and timing. Quantum Actuarial Science turns those physical features into pricing tools — eight of them, explained below.
Each tool takes one classical actuarial task and re-derives it through wave mechanics. Read them as a toolkit, not a hierarchy.
Computes energy-level premium rates and compares the wave (QAPM), loaded, Wang and classical views side by side.
Estimates reserves using wave-based development patterns, with honest uncertainty bounds around every figure.
Models layer attachment and exhaustion with barrier-style transfer mechanics — the actuarial analogue of quantum tunnelling.
Quantifies diversification decay and portfolio coherence under multi-line exposure, when correlations stop behaving.
Animates windstorm, earthquake, flood and wildfire propagation on an interactive map — risk you can watch move.
Computes spatially differentiated Cat Nat premiums across a real policy portfolio, location by location.
Detects interference zones, antinodes and correlated accumulation — where independent risks quietly pile up.
Projects how premiums drift under climate scenarios and evolving hazard frequencies, decade by decade.
Classical actuarial models treat catastrophe risk as a scalar loss distribution. But a storm has a front, a speed, a direction. Keep that structure and accumulation stops being a surprise.
The methods come from the monograph Wave Mechanics of Risk by A. Bousabaa, University of Évry-Paris-Saclay.
Free users get seven calculations a week; Pro is 15€ / year for unlimited use, exports and multi-peril tools.