Insurance & Risk Transfer

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The Quiet Risk: Why Reserve Adequacy Decides an Insurer’s Future

June 22, 2026by Dr Dawkins Brown

Reserves are the largest number on most insurers’ balance sheets and the least understood by their boards. Getting them wrong is rarely loud — until, suddenly, it is catastrophic. On the balance sheet of almost any insurer, the single largest figure is also the one the board understands least. It is the provision for claims...

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The Evolving Role of the Appointed Actuary in Caribbean Supervision

June 22, 2026by Dr Dawkins Brown

Once a signature at the back of an annual return, the appointed actuary is becoming a strategic guardian of solvency — and regional regulators are steadily raising the bar. For most of its history, the role of the appointed actuary was easy to summarise and easy to underestimate: value the policy liabilities, certify that...

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Numbers That Outlast the Quarter: Why Caribbean Boards Need Actuarial Insight

May 30, 2026by Dr Dawkins Brown

The actuarial perspective on board decisions whose financial consequences will not show up in the next four management reports — and why every Caribbean institution holds more of them than it has measured. Caribbean boards routinely authorize decisions whose financial consequences will not appear in the next four management reports. This is the first of...

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