Our Perspective

  • Negative Interest Rates - The Perfect Financial Storm

    By Tad Montross|April 16, 2015|English | Français

    Negative interest rates could create a perfect financial storm for the insurance industry, simultaneously putting investment returns and underwriting adequacy under unsustainable pressure. Compounding the risks for multinational insurers, a persistently...

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  • The Underwriting Cycle - Don’t Be Taken for a Ride

    By Tad Montross|March 15, 2015|English

    The underwriting cycle is an abiding feature of our industry. It’s mostly accepted as inevitable, being driven by external economic factors, such as the availability of capital. But is that really the case? While it’s true that economic...

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  • Claims - What Matters Most to Millennials? [Presentation]

    By Sydonie Williams|March 12, 2015|English

    The millennials - anyone born between 1980 and 2000 - number 80 million in the U.S. and they’ve been identified by many insurers as a generation with big growth potential. Top-performing companies further recognize that connecting with millennials...

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  • Insurance - An Asset or Expense?

    By Tad Montross|March 01, 2015|English

    Have we been thinking of insurance the wrong way? Many think of insurance as an expense. In fact, accounting rules treat it as such. As consumers, we know insurance...

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  • Are You Under-Leveraging Talent Due to Unconscious Bias?

    By Tad Montross|February 08, 2015|English

    As an underwriting company, our communications about biases to date have largely focused on underwriting. Another very important initiative for us is how the Human Element affects our decision making with regard to hiring and promotions. In 2013 the...

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  • Does Your Reinsurance Program Match Your Risk Appetite? [Infographic]

    By Abe Kane|February 02, 2015|English

    We've recently spoken to a number of captives and Risk Retention Groups that expressed concern with how their reinsurance programs would respond if they were to have adverse loss experience. It is particularly important to understand if your reinsurance...

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