The Analysis of Insurer Risk Trends customized to your exposures.

ALIRT models the relative financial performance of insurers on behalf of insurance distributors, fiduciaries, life, health and P&C insurers, institutional pension buyers, and analysts to satisfy their risk management, due diligence, competitive intelligence and research needs.

Our Approach

Legal Entity Focused, Ongoing, & Measurable.

ALIRT uses a bottom up approach, which compares and contrasts the isolated risks and exposures of the insurer that issues the actual policies or contracts, versus a top down analysis more focused on holding companies, corporate credit and notched ratings of legal entities to the enterprise which obfuscates risks.

Legal Entity Focused
Our models focus on the legal entity that is writing the insurance contracts rather than a consolidated review of the entire organization.
Regular & Ongoing
Prudent due diligence is continuous and all our quarterly reports are based on current financial statements filed under statutory and/or GAAP accounting rules.
Quantifiable & Measurable
The ALIRT model is based on quantitative financial metrics embedded within a platform that includes relative and absolute benchmarks for easy and accurate measurement and context.

Our Work

Every quarter, we collect the publicly available financial and market information/news on life, property casualty and health insurers domiciled in the United States.

This financial information populates our proprietary models which result in an in-depth ALIRT Score Analysis for each insurer. The scoring and benchmarking in our results allows clients to compare and contrast the underlying key financial performance trends of the their insurance partners and/or prospective partners.  Thus, clients are assured to meet regulatory, legal and compliance requirements to maintain a validated quantitative assessment of insurer risks.

For clients that require a bit more focus on their core companies, ALIRT has developed an infographic portrayal of the ALIRT quantitative scoring methodology.

Our Clients

Markets Served

ALIRT works with a wide range of institutional only clients. Each market sector we serve benefits from our proprietary quantitative scoring models and high-touch service access.


Insurance entities modeled annually and quarterly


Years as an analytical team


Client retention rate

With 30+ years of expertise, broad access to industry decision makers, and high-touch service, ALIRT serves as a productive link between insurers and the buyers and distributors of insurance products.


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