Welcome to Deep Dive Analytics

IMPORTANT: Protect Your Clients—and Your Reputation—by Avoiding High-Risk Insurers

Would you recommend an insurance policy to your client if you knew the company might not be around when they need it most?

Whether acting as a fiduciary-minded advisor or simply a caring family member, you don’t want to suggest a life and annuity (L&A) carrier that is in danger of failing before its promise can be kept. But what if the insurance carrier behind your client's annuity or life policy is quietly holding high-risk, junk-rated assets and using secretive offshore reinsurance?

Our platform gives you a critical advantage: the ability to screen insurers for hidden financial fragility before they fail.

If you, a client, a friend, or a family member, rely upon any life or annuity product, there is a great deal of information they need...but they have no idea they need it. Even if they knew they needed it, they would have no idea where to find it. Even if they found it, they’d have no way of analyzing and qualifying it.

That is why I formed Deep Dive Analytics, LLC. Please read my bio and background below.

I am a certified fraud examiner and forensic accountant. For forty years, I have conducted deep dive analyses of the US insurance industry using their own statutory financial statements.  I have served as an insurance examiner and a state examiner-in-charge. I have served as a consulting and testifying expert in federal criminal cases and assisted the FBI and prosecutors in the gathering and presentation of evidence, as well as in civil litigation, including the massive antitrust case against more than 100 Blue Cross insurers - the largest antitrust class case ever in the U.S. But perhaps more important is the fact that I am totally independent…I’ve been acutely focused on the true financial condition of insurers for forty years.

Over the years, I have witnessed disturbing trends in the industry that have me very concerned. The shift from the mutual business model to a for-profit one has radically altered the business practices and financial reporting in a way that threatens policyholders. An overall lack of transparency makes it extremely difficult to evaluate the true financial condition of most of the Life and Annuity (L&A) carriers. 

I’ve spoken with numerous professionals in this industry, and they are all asking me the same question. In this increasingly less transparent market, how can we be sure of the long-term viability of the carriers? How can we be sure the carrier will outlive our clients, the policyholders? This service is my response to those concerns. 

We will seek to provide valuable information and educate insurance agents, advisers, fiduciaries and policyholders using deep dive risk assessments of the L&A industry from the unique perspective of an independent forensic accountant and fraud examiner with forty years of accumulated knowledge and focus on this industry.