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Parametric Insurance: Will Your Trigger Actually Pay?

August 2, 2026by Dr Dawkins Brown

IN BRIEF Parametric cover pays on a measured index rather than on an assessment of damage. That is what makes it fast, and it is also the source of every difficulty it creates. An earlier article in this series dealt with how much risk to retain, insure or leave unfunded. This one is about...

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IAS 19: The Employee Benefit Liability Hidden Behind Payroll

August 2, 2026by Dr Dawkins Brown

IN BRIEF Most employers know what their workforce costs them this year, because it moves through payroll. Far fewer know what their workforce promises are worth, because those promises mature over decades and only a portion of them is ever measured. This article works through one employer: 480 staff, 95 retirees on a medical plan,...

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Actuarial Insight for Boards: Turning Numbers into Strategic Advantage

June 27, 2026by Dr Dawkins Brown

Across fourteen articles, this series has built one argument — that actuarial thinking is not a back‑office discipline but a way of seeing. This closing piece asks what it takes to convert that sight into decisions, and decisions into advantage. A number, on its own, decides nothing. A reserve estimate, a capital ratio, a...

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Stress-Testing the Future: Building Resilience Before the Shock

June 27, 2026by Dr Dawkins Brown

A business plan is a single confident line into an uncertain future. Stress-testing fills the silence around it — answering not what we expect, but what would happen if we are wrong, and how wrong we can afford to be. Every business plan is a single confident line drawn into an uncertain future. It...

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Will the Fund Last? Social Security Sustainability in the Caribbean

June 24, 2026by Dr Dawkins Brown

Almost every Caribbean territory runs a national social security scheme, and almost all face the same arithmetic: an ageing population, a shrinking contributor base, and benefits that will one day outrun the money coming in. The actuary’s task is to say when — and what it would take to change the answer. Nearly every...

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The Liability on Your Balance Sheet You May Be Underestimating

June 24, 2026by Dr Dawkins Brown

Beyond pensions, IAS 19 captures gratuities, long-service awards, post-retirement medical cover and accumulated leave. Unfunded and long-dated, these obligations are routinely under-provided — until an actuary measures them properly. Most boards know there is a number on their balance sheet for the pension plan. Far fewer are confident about the other employee-benefit obligations sitting beside...

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The Past Has Stopped Predicting: Climate Risk Quantification for Caribbean Boards

May 30, 2026by Dr Dawkins Brown

Actuarial science rests on the premise that the past is a guide to the future. Climate is the exposure for which that premise no longer holds — and a region built on coastlines is being asked, by ratings agencies, correspondent banks, and supervisors, to measure a risk for which its own history has stopped being...

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Financial Reinsurance for Caribbean Carriers: A Practical Guide to Surplus Relief and Capital Optimisation

May 21, 2026by Dr Dawkins Brown

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 is one of the most powerful capital-management tools available to an insurer, and one of the least understood at Caribbean board level. Done well, it...

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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,...

Older Posts

Parametric Insurance: Will Your Trigger Actually Pay?

IAS 19: The Employee Benefit Liability Hidden Behind Payroll

Actuarial Insight for Boards: Turning Numbers into Strategic Advantage

Stress-Testing the Future: Building Resilience Before the Shock

The Liability on Your Balance Sheet You May Be Underestimating

Financial Reinsurance for Caribbean Carriers: A Practical Guide to Surplus Relief and Capital Optimisation

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

September 8, 2026The Covenant That Breaks You in a Downturn

September 7, 2026Your Earnings Are Probably Higher Than You Think

September 7, 2026Not Everything on the Balance Sheet Is Security

September 6, 2026The Pension Fund Has the Same Problem You Do

September 6, 2026Everything That Left the Business

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