Monitoring for super and insurance.
Which members, advisers or policies need a closer look? Luminnovate watches activity against its own normal and its peers, so harm is found early and a market wide move is not mistaken for it.
Trustees and insurers must show they act in members' and policyholders' interests. Alerts that fire on every market move hide the few patterns that matter.
| Pattern | Against its own normal | Against peers | Result |
|---|---|---|---|
| Adviser fees, one practice | 4.1 times | 3.8 times | Review |
| Switches into one option | 6.0 times | 5.7 times | Market wide, no alert |
| Early release requests | 1.1 times | 1.0 times | Normal |
Illustrative example.
What Luminnovate does
- Watches each member, adviser and policyAgainst its own normal and its peers.
- Separates harm from market movesA pattern seen across the whole market is not an alert.
- Records every interventionWith its reasons, for the trustee board and the regulator.
Start with one pattern you already review by hand. We test it on your own history.
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