During the hx Live 2025 event, Reinsurance News spoke with Tom Clark, Field CTO at hyperexponential (hx), who highlighted upcoming products and advancements, including Kernel—a major upgrade to hx Renew that equips reinsurers with more data, enabling more complex decision-making.

Announced at the event, Kernel is a ground-up replacement of the existing runtime, designed to turbocharge hx Renew, the company’s pricing and underwriting platform. Built with modern technologies to support the next generation of modelling, Kernel delivers faster model run times and loading.

It has already been deployed in several pre-production environments, with customer rollout underway.

Clark described Kernel as “the underpinning of the platform,” explaining it will act as a technical enabler, equipping reinsurers with even more data to tackle complex pricing and risk decisions.

“What that enables is more complex data sets. From the reinsurance perspective, you have some of the most complex models and data to deal with. The new work from Kernel will allow you to have even more data. We believe the best decisions are those augmented by more data,” he said.

Clark emphasised the ongoing and significant challenges around data ingestion in reinsurance.

He said, “Messy, unstructured data is still how the industry runs, even though tools like ours—once you get clean data in—can be very successful. That’s a big unsolved problem. I think our Data Ingestion Library is going to be a really good fit for that.”

Kernel also paves the way for significant enhancements over the coming year, including new ways to leverage models—starting with hx’s upcoming Portfolio Intelligence tools such as Batch Rating. It offers greater developer flexibility with expanded Python version support and a broader range of packages thanks to Kernel’s decoupled architecture, alongside advanced parameter tables for deeper integration with remote sources.

Clark also discussed hx’s new Portfolio Intelligence product, announced at the event, which is designed to empower actuaries, underwriters, and executives with actionable insights to better steer their portfolios. It addresses challenges around data access, data siloes, system complexity, and usability in current workflows.

A key feature, currently in beta, is Batch Rating, which enables fast, embedded policy grouping and re-rating scenario analysis directly within hx Renew, transforming actuarial workflows from days to minutes. Future capabilities will include configurable dashboards and strategic portfolio steering tools.

Regarding the product, Clark said, “Our Portfolio Intelligence work is a reaction to customer feedback. We listen to our customers, and for many, getting that view of the portfolio was so far above their current technology capabilities, they hadn’t even dreamed of it. They’re in an Excel-based world. They’re like, ‘I can’t even imagine a world in which I could see my entire portfolio in real time,’ thinking how that could improve their decision-making, executive visibility—and, for many, actually improve their jobs, because it’s going to make their lives better with our visibility.”

Clark went on to explain how hx is expanding its capabilities to help underwriters and actuaries make faster, safer, and more informed decisions—using AI not to replace humans, but to empower them to “do more with more.”

“Many companies see AI as an opportunity to do more with less, and that’s not how we do it. Amrit Santhirasenan’s (Co-founder and CEO of hx) phrase is: we want to do more with more. It’s not about driving efficiency. If I can invest a pound into you and your team can do 10x or 100x what you could do yesterday, I’m not going to reduce the size of your team—because there’s always too much work to do. So I want you to do more with more.

“Show us how you can do the boring stuff with AI—all the repetitive stuff, wherever AI is useful. We’re going to get the humans to focus on the stuff that only humans can do today. We’re helping underwriters be better underwriters, and helping actuaries be better actuaries, underpinned by our technology,” said Clark.

In his closing remarks, Clark highlighted the word augmentation, stressing that companies that fail to augment their systems and adopt new technologies to enhance operations will fall behind—especially in an environment where risks are becoming increasingly complex and difficult to manage alone.

Clark concluded, “The big message we always say is: no one’s going to lose their job to AI, but you may lose your job to someone who is using AI. We see this as a big augmentation. Whether you’re an actuary or an underwriter, this is something that augments you. The ‘do more with more’ line—that’s something I really want our customers and the industry to take on board. There’s so much risk in the world that cannot be addressed, and this is an opportunity to augment your systems and supercharge them, so your people can focus on what matters most. That’s what will allow you to write more business. Some may see it as a challenge, but for us, it’s a massive opportunity.”

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