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Institutional Buyers

Insurance coverage is vital to the smooth operation of a business. Whether this is broad coverage to protect an institution’s property and liability exposures or more specialized use of insurance, such as annuities to meet pension obligations, or the purchase of life insurance to meet key-man risks or as an investment, the proper performance of this insurance coverage is vital to the institution’s well-being.

This central role of insurance makes the continued financial oversight of an institution’s insurance partners critical to that organizations risk management regime – and one that ALIRT helps assure its corporate clients remains firmly in place.

ALIRT’s institutional buyer clients generally fall within three broad categories:

  • Risk Managers
  • Pension Plan Fiduciaries
  • Bank Treasury Departments (BOLI)

Risk Managers

Today, Enterprise Risk Management (ERM) is viewed as a requirement in assessing risk throughout a corporate organization. As part of this process, the issue of adequate insurance protection has risen to the forefront of corporate risk management and Board of Directors attention.

Insurance programs, however, are only as good as the financial strength of the carriers backing them. Our ALIRT Service is designed to provide corporate risk managers – and the organizations they serve – with a quantitative and qualitative approach to modeling and documenting both broad and specific insurance risks.

To learn more about how ALIRT can help you track the financial stability of your insurance partners and provide peace of mind that your current carrier partners are in a sound financial position, please contact us at info@alirtresearch.com.

Pension Plan Fiduciaries

Rapid change in today’s pension environment has spurred innovative solutions from the insurance industry. Using Termination Annuities or deferred or immediate annuities within 401k plans to meet long-term pension objectives are important options for a growing number of business organizations.

The long-tail nature of these programs, along with strict ERISA due care rules, makes the financial strength of the carriers backing them indispensable. Our 95-1 Termination Annuity Issuer Analysis and DC Plan Issuer Analysis services provide corporate buyers of Terminal Funding and/or 401k Annuities with an easy-to-understand quantitative and qualitative approach to analyzing the relative financial strengths and weaknesses that impact insurance company credit quality.

To learn more about how ALIRT can support your “arms length” due diligence efforts and meet ERISA due care requirements, please contact us at info@alirtresearch.com.

Bank Treasury (BOLI)

Bank Owned Life Insurance (BOLI) has long been an attractive investment alternative for banks and credit unions given the use of tax-deferred interest to meet growing employee benefit/retirement/and key man funding needs, as well as its non-correlation to many other investment classes.

The long-tail nature of these products, however, along with regulatory oversight and internal audit hurdles makes the financial strength of the carriers backing them indispensable. The need to perform strong due diligence only increased with section 939A of the Dodd/Frank legislation, which mandates that banks no longer rely solely on rating agencies when vetting their BOLI products.

ALIRT’s BOLI Service provides buyers of BOLI with an easy-to-understand quantitative and qualitative approach to analyzing the relative financial performance of insurance companies - and one which meets heightened requirements under Dodd/Frank.

To learn more about how ALIRT can support your “arms length” and independent due diligence on your BOLI insurance partners, please contact us at info@alirtresearch.com..

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