Holistic Integrated ALM and ERM platform

Flexible • Leverageable • Scalable

Introducing pALM

Cloud-native platform


The only end-to-end enterprise wide analytical platform in the life and retirement market. The pALM platform offers a uniquely holistic view of capital usage across the enterprise, with a strong emphasis on risk management, governance and controls. It has been widely validated and accepted by external parties and regulators.

The platform design drives superior analytical outcomes which enhance decision making processes and widens the path of strategic possibility. The pALM system also powers Agam's unique operating model which provides a turnkey reinsurance management solution.


Integrated Platform

pALM is a holistic Integrated ALM and ERM platform which is used to analyze, price and manage a complete suite of life and retirement insurance products

Three Lines of Defense Model

Agam has adopted a Three Lines of Defense Model designed to meet and exceed regulatory requirements. Our approach to Risk and Capital is underpinned by Robust Governance, Strong Internal Controls and Prudence

Robust Governance Framework

Robust Governance Framework emphasizes a culture of risk management, collaboration and transparency with distinct segregation of duties.

Strong Internal Controls

Well defined process whereby First Line takes responsibility for risk, an independent Second Line lead oversight and challenges with a Third Line in place for independent assurance.


Disciplined and Prudent approach for each step of the modelling process including data validation, assumption setting and stress and scenario testing.