SURPLUS MANAGEMENT: WHAT TO WATCH FOR IN 2020

To say we are living in interesting times seems a bit of an understatement for 2020.

One of the strategic intelligence sources we utilize looks at our world’s politics; alliances; and history; then applies Bayes’ Theorem to anticipate how financial markets might be affected. Their goal is to make the complex simple. It’s a lofty goal, but they have a good track record.

Here is a short list of area’s this source feels we should be keeping an eye on for 2020:: Read more….

5 STEP LAZY MONEY ACTION PLAN FOR MO MUTUALS

As we work with Missouri Mutuals and review publicly available reports, we tend to notice some of the same financial missteps time and again. One of the most common issues we see is investment portfolios that include what we call ‘Lazy Money.’ Lazy Money is money that is under-employed or isn’t working at all for your policyholder members. Lazy Money doesn’t provide adequate returns on your investment and contribute what it should to your policyholder surplus and underwriting capacity. Below are several examples of Lazy Money you might have in your Mutual: Read more….