Multi-national insurance companies must respond to the changing dynamics of the industry by enhancing current activities and expanding distribution reach. Patpatia & Associates works with companies to help reposition and grow their businesses through needs-based marketing, channel extension and acquisition, and tactical enhancements to agent and back-office technologies.

We also assist in creating and implementing appropriate investment programs for insurance reserves and variable/ unit-linked offerings.

Our insurance expertise centers on the following areas:

Life Insurance, Annuities, and Longevity Protection

Capitalize on Patpatia & Associates' expertise and distribution access to achieve growth, profitability, and asset/liability management objectives with tactical initiatives developed and implemented by Patpatia & Associates.

Life and health insurance companies turn to us to:

Launch global insurance and annuity platforms as a foundation for multi-national, multi-channel distribution (e.g. agency, bank assurance, brokerage, IFAs)
Develop new products and package insurance offerings into customer-focused planning solutions (e.g. pre-retiree, elder market, wealth management)
Integrate insurance, annuities, and life planning capabilities into comprehensive wealth advisory models at brokerages, banks, and independent advisor firms
Reengineer core processing, administration, and service functions to harness productivity improvements and reduce total cost of ownership

P & A Case Study: Life Insurance and Annuities

View this case study to learn how we developed a balanced growth strategy for a national life and health insurance company.

P & A Case Study: Insurance Marketing by Non-Insurers

Patpatia & Associates helped a national banking institution integrate insurance and annuity offerings.

Group Insurance, Worksite, and Direct Channels

Patpatia & Associates can help you capitalize through focused product and marketing strategies and enhancements to delivery infrastructure. Leading insurers and other employer services purveyors depend on our extensive experience to grow their businesses through multi-channel methodologies.

They rely on us to:

Analyze the strategic business opportunities and viability of group and voluntary benefits products including life, health, P & C, and retirement offerings
Define and implement strategic alliances to enable clients access to a full spectrum of employer services products
Tailor delivery methodologies, such as direct, affinity group, and worksite marketing
Cultivate worksite distribution to incorporate complementary planning and wealth management services

P & A Case Study: Group Insurance

Find out how Patpatia & Associates created a road to growth for a national health and life insurer built on offerings through retail agency and group insurance operations.

P & A Case Study: Voluntary Benefits

Patpatia & Associates also helped this national health and life insurer develop a worksite marketing program for voluntary benefits and complementary financial products.

Insurance Asset Management

Leading life, property & casualty, health, and reinsurance insurance companies, across North America, Europe, and Asia, depend on Patpatia & Associates to develop and execute disciplined portfolio management strategies for both their general and separate accounts.

General Account Asset Management

Focus on enterprise profitability by integrating the investment process with product design & pricing. Patpatia & Associates assists insurers to reengineer their liability reserve and capital surplus investment programs to maximize economic value and contribution to the bottom line.

We help our insurance clients reach their goals through a broad range of initiatives, including:

Strategic design of the investment organization, encompassing appropriate roles of internal & third party management
Establish global capabilities to capitalize on investment opportunities and support international insurance businesses
Establish disciplined liability-driving investment processes
Assess strategic opportunities to diversify into new asset classes to improve risk-adjusted portfolio yields
Assist in the creation of new investment capabilities — including assembly via liftouts and boutique acquisitions — and selection of third party managers
Develop transfer pricing and compensation techniques, as well as create enterprise risk management and hedging solutions

P & A Case Study: General Account Insurance Asset Management

Find out how Patpatia & Associates enhanced the general account investment management process for a leading life insurance company to increase efficiencies and yield.

Separate Account Investment Programs

Patpatia & Associates collaborates with our insurance clientele to deploy differentiated variable insurance offerings that integrate best-of-breed sub-advisors and proactive investment planning programs, to aggregate assets through career agency and third party (i.e. bank, brokerage, affinity group) channels.

Our services span:

Design new liability-driven (e.g. retirement income, catch-up savings) investment programs for variable annuity and variable life products
Implement enhanced, actively allocated separate account investment models — integrating proprietary & open architecture investments — to support underlying guarantees
Evaluate sub-advisors for improved competitive positioning
Deploy enhanced hedging programs for living benefits (e.g. GMIB, GMWB)