Contrary to popular belief, insurance policies are not commodities.  In fact, companies issue policies with varying contract language, cost structures, and actuarial assumptions.  These elements allow us to creatively design the insurance portfolio in a cost-efficient manner.

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Our unique process stems from an analysts' perspective, is devoid of salesmanship, and adds value by employing four technical methods:

• Risk Transfer – Shifting risk from client to carrier by capitalizing on product inconsistencies.  Increased risk taken on by the carrier translates into better results for the client.

• Arbitrage – Evolving industry dynamics create exploitable opportunities.  Locating, and executing upon, these aberrant conditions is critical to success.

• Synthetics – Combinations of policy characteristics can deliver atypical results.  These bespoke configurations greatly enhance policy efficiency.

• Modeling – Reverse-engineering pricing algorithms and internal policy components exposes potential performance enhancements.  This greatly assists with the decision-making process.

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Coupled with our proprietary analytics, these methods enable us to uncover product anomalies, mispricings, and discrepant underwriting - all of which enhance our clients' insurance holdings.  

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While not every solution requires the same deep dive, we are equipped to deliver the in-depth analysis and fact-based recommendations necessary to handle the most complex situations.  It is this ability to peel the layers back one by one, to support our assertions, that sets our approach apart from others.