Insurance

Risk is not a cost. It is a system of capital, trust, and resilience.

Protection is universal. Execution is engineered.

We advise insurers, reinsurers, brokers, and investors with actuarial, regulatory, and financial rigor — from Paris to Pune.

Insurance Value Chain Decision Matrix

05

Strategic Distribution & Ecosystem

Bima Sugam, bancassurance, and embedded insurance.

04

Capital & Solvency Management

IRDAI MOR, reinsurance, and capital optimization.

03

Product & Pricing Architecture

Parametric, usage-based, and IFRS 17 compliance.

02

Regulatory & Compliance Framework

IRDAI sandbox, FDI 74%, and corporate governance.

01

Operational Resilience & Claims

Digital claims, fraud analytics, and real-time service.

Core Consulting Capabilities

Business Transformation & InsurTech Strategy

Digital distribution, Bima Sugam, and parametric product innovation.

  • Bima Sugam & digital marketplace integration
  • Parametric insurance (crop, weather, cyber)
  • AI/ML underwriting & claims automation
  • Customer 360 & digital policy lifecycle
  • Expense ratio optimization (broker, TPA)
  • High-performance digital insurer design

Turnaround & Restructuring Advisory

Solvency II, IBC resolution, and capital restoration for insurers.

  • 13-week cash flow & premium runoff modeling
  • IRDAI MOR & solvency margin restoration
  • Reinsurance recoverable & commutation
  • DIP financing & pre-packaged IBC plan
  • Creditor committee & lender advisory
  • Operational stabilization & claims triage

Strategic Communications & Regulatory Advocacy

Reputation management, IRDAI compliance, and policy engagement.

  • Crisis response (mis-selling, fraud, cyber breach)
  • Investor perception audits & equity story
  • IRDAI consultation & regulatory sandbox
  • FDI 74% compliance & Press Note 3 review
  • Media training & spokesperson prep
  • Internal change & culture transformation

Actuarial & Risk Valuation

Reserve adequacy, pricing, and reinsurance optimization.

  • IRDAI Appointed Actuary reserve sign-off
  • GLM pricing & rate filing support
  • Reinsurance treaty structuring (quota share, XL)
  • Catastrophe modeling (RMS, AIR)
  • Solvency II SCR & MCR calculation
  • IFRS 17 transition & PAA eligibility

Transactions & Portfolio Transfer

M&A, Part VII, and portfolio transfer for life and non-life.

  • Buy-side & sell-side due diligence
  • Reserve & IBNR valuation (chain ladder, BF)
  • Policyholder communication & consent
  • IRDAI Section 35-37 approval strategy
  • Synergy modeling & integration planning
  • FDI & CCI clearance advisory

The future of insurance is not coverage. It is resilience.

We design the capital, compliance, and credibility to deliver it.

Begin Insurance Mandate