What we offer.
We develop tailored financial solutions that allow our clients to take immediate credit for the embedded value in their business by converting the inadmissible and illiquid asset of future profits into cash.
Under most current accounting regimes, many organizations may not recognize the embedded value of their newly written or existing business as an immediate gain. Instead, they must defer the anticipated profits, which are then recognised only gradually over time.
We develop sustainable financing schemes that enable our clients to write higher volumes of new business without the need for additional capital or cash resources this also helps the client to enhance their return on equity and stabilise annual earnings.
Developing and distributing profitable products is a key priority for life insurers. However, securing a higher market share and outperforming competitors is often hampered by the strain that new business places on the available financial resources. Such a new-business strain typically originates from high initial distribution costs and is often amplified by prudent reserving requirements. As a result, not only can an insurer incur an initial strain on its cash position but depending on the accounting regime it is subject to, also an initial operating loss. Especially the latter strain stands in stark contrast to the overall expected profitability of the new business and its positive contribution to the insurer’s embedded value. In addition, it often erodes the insurer’s capital base.
Our Solutions help alleviate these pressures and help clients build a robust distribution network that can take advantage of economies of scale by safeguarding the bottom line from being hit with high initial distribution costs.
We develop a range of reserve relief and solvency relief structures. Both help clients to improve their solvency position and to free up capital, which then can be redeployed into more remunerative investments or returned to shareholders, thereby often increasing the return on capital.
Reserving and solvency requirements can tie up significant amounts of a life and health insurer’s financial resources. This can limit its ability to pursue business opportunities, to achieve organic growth and suppress the return on capital.
A solvency relief structure reduces the amount of capital the insurer must hold against the risks it faces. It thus allows the insurer to enjoy the benefits of an improved solvency position or to use the freed-up capital to, for example, seize attractive business opportunities.
Our insurance practice focuses on life insurance and personal lines products. Our expertise covers a wide spectrum of business functions/ verticals where our experts provide consultancy.
Product Manufacturing (Market research, design, profit testing, documentation, regulatory requirements, product collateral, training requirements & solution), Reinsurance Arrangements and IT Systems – Business Requirements Analysis, Testing Strategy, Data Migration & System Architecture).
Data Analytics, Artificial Intelligence & Predictive Forecasting
Business Processes Engineering or Re-engineering, Accounting Treatments and Credit Collection
Distribution and Marketing
Business & Growth Opportunities
Our banking practice focuses on asset products, bancassurance, credit life, telesales, wealth, private banking and investments products. Our expertise covers a wide spectrum of business functions/ verticals where our experts provide consultancy.
Product Manufacturing (Market research, design, profit testing, documentation, regulatory requirements, product collateral, asset securitization, training requirements & solution), Reinsurance Arrangements and IT Systems – Business Requirements Analysis, Testing Strategy, Data Migration & System Architecture).
Data Analytics, Artificial Intelligence & Predictive Forecasting
Business Processes Engineering or Re-engineering, Accounting Treatments and Credit Collection
Distribution and Marketing
Business & Growth Opportunities
Our rating advisory practice focuses on helping our clients in effectively managing ratings.
It is important for organisations engaging in financial services to get rated by relevant rating agencies as institutional and retail clients as well as lenders and investors place weightage to the short term and long-term credit ratings.
Getting a good rating post the first rating review, maintaining and upscaling the assigned rating require conscious manoeuvring & monitoring of key indicators and trends evaluated by rating agencies. Management can get caught up in business as usual cycles and sometimes loose sight of such intangible assets.
Building a great company takes time. We are here to support the journey. Our experts can help our clients with various stages of their journey.
Market Research
Business Plan
Licensing
Structing
Raising Equity or Debit Capital