Commissions & Valuations

We support agents, insurance companies, banks, and investors in making sense of the financial value of renewal commission streams. Davies works directly with product lines in the life and health market. Our specialists determine the value of purchasing blocks for investment purposes, deliver valuations for obtaining bank credit, and assemble formal reports and experience studies. 

We deliver services outside the traditional range of actuarial solutions, such as reinsurance modeling, coinsurance, modified coinsurance, yearly renewable term (YRT) analysis, and support for selecting reinsurance. Our end goal for clients is to ensure reinsurance offerings provide equitable terms. We meet this goal by assisting with early-stage product design, pricing, and underwriting protocols and analyzing reinsurance proposals. 

We have extensive experience in alternative risk transfer methods, creating and managing over 200 mechanisms such as captives, risk retention groups, self-insurance funds, and workers’ compensation trusts across various jurisdictions. Our feasibility studies involve projecting claims costs and comparing them with benchmark rates, and we offer recommendations for excess insurance and reinsurance structures. 

Furthermore, we provide ongoing consulting services, including loss cost studies, rate development, financial projections, risk management, and underwriting. Our regulatory experience with captive insurance allows us to bring valuable knowledge to our work with captive formation and management, and we have assisted various state insurance departments with captive and RRG insurance applications and examinations.