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The Reinsurance Trap: Why Caribbean Cedants Pay Too Much and Capture Too Little

May 21, 2026by Dr Dawkins Brown

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 single largest expense line for most Caribbean life and health insurers after claims and operating costs. It is also the line where cedants have the...

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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...

Newer Posts

The Reinsurance Trap: Why Caribbean Cedants Pay Too Much and Capture Too Little

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

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

August 17, 2026Trust Requires Evidence: AI Content Assurance, Source Provenance and the New Meaning of a Reliable Document

August 16, 2026From AI Experimentation to Enterprise Governance

August 14, 2026REALISATION : A Business You Cannot Explain in Five Days Is a Business Somebody Else Will Price

August 13, 2026RESILIENCE : A Backup You Have Never Restored Is Not a Backup

August 10, 2026CAPITAL: Asset Rich and Cash Poor Is a Choice, Not a Condition

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