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Inside the Numbers: How CSM Run-off, Risk Adjustment, and Onerous-Contract Testing Are Quietly Reshaping Earnings

May 21, 2026by Dr Dawkins Brown

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 Contractual Service Margin run-off pattern, the risk adjustment calibration, and the onerous contract test — together drive the majority of reported insurance earnings under...

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IFRS 17, Three Years On: What Caribbean Insurers Got Right, What They Got Wrong, and What Comes Next

May 20, 2026by Dr Dawkins Brown

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 17 became effective for accounting periods beginning 1 January 2023. For Caribbean insurers, that meant three years of implementation work, hundreds of millions in cumulative...

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Predictive Underwriting in the Caribbean: Pharmacy Data, Mortality Models, and the Future of Life Pricing

May 20, 2026by Dr Dawkins Brown

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 boards realise Three years ago, the dominant question in U.S. life insurance underwriting was how to accelerate decisions without losing underwriting quality. The answer,...

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Why Caribbean Group Life Pricing Is About to Break — And What Insurers Can Do Now

May 20, 2026by Dr Dawkins Brown

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 reset, accelerating non-communicable disease prevalence, and a decade of competitive pricing that ignored the underlying experience signals — have left Caribbean group life insurers carrying...

The Caribbean Cyber Hygiene Scorecard: Twenty-Five Items, Five Dimensions, One Quarterly Review

May 19, 2026by Dr Dawkins Brown

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. This article produces the instrument that converts those five disciplines into a single composite measure the Caribbean SMB can actually track. The Caribbean Cyber Hygiene...

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The Perimeter Is Not Where You Think It Is: Third Parties, External Lingerers, and What the Caribbean SMB Inherits from Its Suppliers

May 19, 2026by Dr Dawkins Brown

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 operationally incomplete. In practice, the Caribbean SMB’s data sits on three or four cloud platforms it does not control, is processed by a dozen suppliers...

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Backup is Not Recovery: What Continuity Actually Costs the Caribbean SMB — and Why Most Firms Pay for the Wrong Thing

May 19, 2026by Dr Dawkins Brown

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 where most Caribbean SMB exposure actually lives — and about the operational disciplines that close it. It is the fourth article of Pillar 2 of...

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Data Protection in Operational Practice: What the Data Protection Act 2020 Actually Requires

May 19, 2026by Dr Dawkins Brown

The Jamaican Data Protection Act 2020 has been in force since the end of its transition period. Every Caribbean firm reading this article is either subject to it directly, subject to a comparable regional act, or doing business with parties that are. This article does not summarise the legislation — there are competent legal summaries...

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Identity and Access Management for the Caribbean SMB

May 19, 2026by Dr Dawkins Brown

Article 2.1 of this series named four cybersecurity postures and asked every Caribbean board to choose one consciously. This article begins the substantive work of moving from any of the lesser postures toward Posture D — and starts where every meaningful improvement starts: with the question of who has access to what, how that gets...

The Caribbean Cybersecurity Posture: Beyond Antivirus

May 18, 2026by Dr Dawkins Brown

Pillar 1 of this series asked Caribbean boards to put their digital foundations in order. Pillar 2 begins from the assumption that they have, and asks the question that immediately follows: what is the firm actually defending those foundations against, and from what posture? “We have antivirus and the staff don’t open suspicious emails” is...

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