SAA helps P&C insurers develop and implement an investment program and process through a holistic view of the enterprise to ensure that the investment portfolio is structured to help achieve bottom line organizational goals not simply total return.
SAA works with P&C insurers to help them navigate the various challenges they face related to their investment program and how it fits in with their business.
Commercial P&C insurers tend to have liability durations of less than 7 years and focus a good deal of their investment portfolios within the “core bond” space. SAA can help P&C insurers optimize this allocation through analysis of the company’s operating and liability profile.
If appropriate, this will factor in the benefits of an allocation to tax exempt instruments and also supplement the fixed income allocation with return enhancing “risk assets” that will enable the company to grow surplus over time.