This is the opening article of Pillar 3 of the Caribbean Digital Foundations Series. Pillar 2 — now complete — was the pillar of defence: the operational disciplines required to...
A practical guide to surplus relief and capital optimisation — the structures, the IFRS 17 treatment, the risk transfer test, and the regulator considerations regional boards should anticipate Financial reinsurance...
Three structural reasons most regional reinsurance programmes underperform — and the four-step economic review that typically recovers 10 to 20 percent of reinsurance spend within 18 months Reinsurance is the...
Three IFRS 17 mechanics that most Caribbean boards do not yet fully understand — and which determine reported profits more than any underwriting decision Three IFRS 17 mechanics —...
The technical transition is largely complete. The strategic transition is not. An honest assessment of where the region stands — and the five priorities for the next 24 months IFRS...
What pharmacy claims, electronic health records, and behavioural data can tell underwriters that medical questionnaires never could — and why the Caribbean is closer to building these models than most...
How a decade of below-cost group life pricing built a structural vulnerability across the region — and the five-step repricing protocol that recovers it Three converging forces — pandemic-era mortality...
This is the closing article of Pillar 2 of the Caribbean Digital Foundations Series. Articles 2.1 through 2.5 built five operational disciplines: posture, access, data, continuity, and the third-party perimeter....
Pillar 2 has so far treated the firm as a closed system: its own posture, its own access, its own data, its own recovery. That treatment is editorially useful but...
Almost every Caribbean SMB will tell you it has backups. Very few have ever successfully restored one. This article is about the gap between those two states — which is...
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