Towers Watson Emblem is a software package originally tailored to the pricing of non-life insurance with considerable potential for wider applications where complex analysis of data is required. It implements a methodology that has been developed through years of experience in the world of personal lines pricing, and that has been successfully tried and tested by expert consultants in a range of rating environments throughout the world.
Emblem makes the techniques of multivariate analysis accessible and approachable to both the statistician and non-statistician alike, thereby dramatically reducing the training required to model successfully and to produce results. Importantly, it allows the user to focus on the analysis itself and to impart his or her expertise in order to add value to the statistical process.