The SECURE Act
Let ALIRT help you implement a “best practice” approach to selecting annuity carrier partners as part of your fiduciary duty and safe harbor requirements.
Trends in Individual Annuities
In this review we concentrate on the recent changes in the annuity product landscape
Badger Mutual Faces Severe A.M. Best Downgrade – Regional Property/Auto Insurers Under Pressure
The worsening plight of a number of smaller regional property 038 casualty insurers was on full display today as A M Best downgraded Milwaukee based Badger Mutual Insurance Company BMIC three pegs
ALIRT Research – Fronting Insurers Update
Given the recent bombshell regarding fraudulent collateral issues at insurtech Vesttoo a development which follows closely upon a $60 million collateral dispute write down by Trisura in 4Q2022 we provide below an
Largest U.S. Surplus Lines Carriers Underperforming the Broader Commercial Lines Market
Last month A M Best released its annual study of the U S surplus lines market We thought this a perfect opportunity to review the financial quality of the largest domestic E
More Trouble Ahead For U.S. Property Insurers? Heeding The Canaries In the Coalmine
ALIRT recently noted the substantial downgrade of Texas property insurer Germania Farm Mutual Insurance Association GFMIA followed closely by the liquidation of Kansas based MutualAid eXchange MAX While we would normally not
Overview of Reciprocal Insurance Exchanges and Recent Market Trends
Reciprocal Insurance Exchanges RIE also referred to interinsurance exchanges have long been a part of the property 038 casualty P 038 C insurance industry with roots dating back to the late nineteenth
Cracks Starting to Show? Fallout From Collateral Issues with Vesttoo
It s tough times for the U S property 038 casualty P 038 C Industry Tough times for insureds who confront ever higher rates in most lines of business for re insurers
ALIRT Update: Residual Market Trends in Higher Risk States
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No Surprise – Hallmark Insurer Subsidiaries Downgraded
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Florida Domestic Insurer Market Update
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Risk Retention Group Market Overview
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Louisiana Homeowners Insurance Market – Incentive Program Applicants
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Argonaut to Be Acquired by Brookfield Re: Aspen Redux?
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The Spectrum Approach to Insurer Financial Oversight – PC
Adopting a binary approach to the consideration of an insurer s financial strength i e that the carrier is either solvent good or insolvent bad is a common and potentially costly due
P&C Mutual Insurance Market Overview
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Hurricane Ian Loss Estimates for Florida Homeowners Specialist Cohort
Several weeks ago ALIRT sent an email detailing total Hurricane Ian loss estimates based on releases from the international insurance community over the past two months
Unpacking Hurricane Ian Losses
As ALIRT prepares to digest the 9 month 2022 statutory financial filings issued late last week we pause to consider the impact of Hurricane Ian which struck Florida with sizeable force in
U.S. Surplus Lines Overview
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Argo to Sell Lloyd’s Business to Westfield Specialty
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The Insurtech “Full Stack” Strategy Starts to Sputter
Insurtech firms have made a big splash in the U S Property 038 Casualty market over the past 6 7 years most initially as tech enabled distributors of insurance but increasingly as
