Insurance Advisory

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IFRS 17 Beyond Compliance: Turning Data Into Strategy

August 2, 2026by Dr Dawkins Brown

IN BRIEF IFRS 17 was implemented as a reporting obligation. What it actually built, in most insurers, is a management information system that nobody has been asked to use. Three things the standard produces were not previously visible: how much unearned profit is stored in the existing book, which products are losing money at the...

Financial Regulation Financial Reporting Financial Transparency Insurance & Risk Transfer Insurance Advisory Insurance and Captive Structures Jamaica International Financial Services JIFSA Security Architecture & Best Practices Segregated Accounts Companies Stakeholder Management The Segregated Advantage Third-Party Risk Management Thought Leadership

Directors Beware: Personal Liability and the Disclosure Discipline Every SAC Board Must Master

July 13, 2026by Dr Dawkins Brown

Every statute needs an enforcement engine, and the segregated accounts company (SAC) regime chose its engine deliberately: the personal balance sheet of the director. Where most corporate law sanctions the company and lets individuals shelter behind the veil, the SAC model inverts the design at its most sensitive point — disclosure. A SAC that...

Asset Protection asset-anchored bond Asset-Anchored Bonds Caribbean Financial Services Insights: Jamaica & Caribbean Markets Insolvency and Restructuring Insurance Advisory Insurance and Captive Structures Jamaica International Financial Services Legal and Regulatory Updates Offshore Financial Services Operating Model & Execution Cadence Protected Cell Companies regulatory assets and regulatory liabilities Regulatory Compliance Securities Dealers Security Architecture & Best Practices Segregated Accounts Companies

The Cell Company Comes Home: What Bermuda and The Bahamas Taught the Caribbean About Ring-Fencing Risk

July 12, 2026by Dr Dawkins Brown

New legal vehicles usually arrive as strangers. Jamaica’s segregated accounts company (SAC) arrives as family. The SAC that entered Jamaican law in 2024 is the newest member of a lineage that runs back a quarter-century through Nassau and Hamilton to the captive insurance boards of the mid-1990s — a lineage in which every major...

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How to Manage Risk and Insurance in a Volatile Region

July 11, 2026by Dr Dawkins Brown

The Caribbean concentrates more risk per square mile than almost anywhere on earth — and most businesses meet it with an unread policy and a hope. Risk is not weather. It is a portfolio, and portfolios can be engineered. The Problem, Lived “Desmond” owns a twenty-four-room boutique hotel and restaurant on the coast of...

Actuarial Advisory Actuarial Services Advisory Services Business Intelligence Business Intelligence (BI)Governance Risk and Compliance Governance-as-a-Service Caribbean Insurance Insurance & Risk Transfer Insurance Advisory Insurance claim Liquidity & Resilience Operational Excellence Organisational Resilience

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...

Actuarial Advisory Actuarial Services Actuarial Services Advisory Services Governance & Compliance Governance Risk & Compliance IAS 19 Insurance & Risk Transfer Insurance Advisory Insurance claim Risk Advisory firm in Jamaica Risk Advisory firm in the caribbean Risk Management & Governance Stress Testing and ORSA

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...

Actuarial Advisory Actuarial Services Caribbean parametric insurance advisory Caribbean Regulatory Affairs Caribbean Risk Horizon Insurance & Risk Transfer Insurance Advisory Insurance claim

Capital Set Free: How Actuarial Optimisation Releases Trapped Value

June 27, 2026by Dr Dawkins Brown

Much of the capital a financial institution holds is trapped — locked away by crude measurement and inefficient structure, not by any genuine requirement. Releasing it, safely, is among the highest-value things actuarial work can do. Capital is the most expensive resource a financial institution holds. An insurer, a bank, a credit union must...

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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...

Actuarial Advisory Actuarial Services Business Intelligence ESG & Sustainable Finance Insurance Insurance & Risk Transfer Insurance Advisory Insurance claim Risk & Compliance)Risk & Resilience Risk Advisory Risk Advisory firm in Jamaica Strategic Advisory Sustainability and ESG

Climate on the Balance Sheet: Quantifying What the Region Can No Longer Ignore

June 24, 2026by Dr Dawkins Brown

Climate risk has stopped being an environmental footnote and become a financial one. It reaches the balance sheet through two channels — physical and transition — and the organisations that quantify it early will navigate the decade ahead far better than those that wait to be told. For most of the last two decades,...

Actuarial Advisory Actuarial Services Business Intelligence (BI)Caribbean parametric insurance advisory Catastrophe Risk Insurance Insurance & Risk Transfer Insurance Advisory Insurance claim

Pricing the Storm: Parametric Cover for a Small-Island Economy

June 24, 2026by Dr Dawkins Brown

When a hurricane strikes, money is needed in days but traditional insurance pays in months. Parametric cover closes that gap — paying a pre-agreed sum the instant a measurable trigger is crossed. Its value, and its danger, lie almost entirely in how the trigger is designed. When a major hurricane crosses a Caribbean island, the...

Older Posts

IFRS 17 Beyond Compliance: Turning Data Into Strategy

Directors Beware: Personal Liability and the Disclosure Discipline Every SAC Board Must Master

The Cell Company Comes Home: What Bermuda and The Bahamas Taught the Caribbean About Ring-Fencing Risk

How to Manage Risk and Insurance in a Volatile Region

Actuarial Insight for Boards: Turning Numbers into Strategic Advantage

Stress-Testing the Future: Building Resilience Before the Shock

Capital Set Free: How Actuarial Optimisation Releases Trapped Value

Pricing the Storm: Parametric Cover for a Small-Island Economy

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

August 10, 2026GOVERNANCE :The Board That Meets Once a Year Is Not a Board

August 9, 2026DEPENDENCE: Key-Person Risk Is a Valuation Discount, Not a Compliment

August 9, 2026VISIBILITY: Why Caribbean Private Companies Are Worth Less Than Their Owners Think — and How to Fix It

August 6, 2026One Page, Every Quarter

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Where to find us?

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