š„š²š¶š»šššæš²šæ šš š¼š±šš... For those in the know, several wellāknown reinsurers have materially reduced their exposure to the medical stopāloss market ā across XOL, quota share, direct writingā¦ in some cases, all three. Others are, letās say, operating with elevated heart rates (not a technical actuarial term š). Despite meaningful rate increases in what many describe [...]
How to de-risk your good ideas and earn carrier support. Overview Carriers and risk partners want clarity and proofānot just enthusiasm. This playbook helps you replace ātrust usā with evidence. Score your idea across eight risk areas from 1 (high risk / unproven) to 5 (low risk / proven & operating), and package the proof [...]
Banking, Reinsurance, and the Fed: A Thought Experiment on Risk Pools What if we looked at banks the way we look at insurersāand the Federal Reserve as an excess-of-loss carrier? And what if we removed that carrier from the stack? The Core Analogy: Banking Is a Risk Business Banks transform short-term deposits into long-term loans. [...]
The Cost of Slow DecisionsEvery consultant in the insurance world has felt it: a strong business opportunity emerges, the numbers check out, the plan is written, the pitch is deliveredāand thenā¦ silence. Days turn into weeks, weeks into months, and eventually, the deal fades into obscurity. Not because it was a bad idea. Not because [...]
We All Say Relationships Matter. But What Does That Really Mean? In the risk industryāan industry characterized by complex salesāwe hear it all the time: "It's a relationship business." It rolls off the tongue in conversations with producers, vendors, and carrier partners alike. But when you stop and really think about it, what do we [...]
My elderly neighbor, and long time friend, has a garden. Sheās had one for the last 30+ years and despite request from all of her family and friends to let it go, she insist the show must go on. Why I ask, when vegetables could be bought so cheaply at the local farmers market, and [...]
Great motivational video, for both sports and business alike. Ā The road of success is littered with failures......ask any CEO of a Fortune 500 company, or an athlete in the Hall of Fame. Ā It's hard to get back up and fight after you've been kicked in the teeth repeatedly but success is a game of inches......he [...]
