--- title: DeepDive Analytics - Blog --- [Skip to main content](https://deepdiveanalytics.biz/blog#main) - [Home](https://deepdiveanalytics.biz) - [Blog](https://deepdiveanalytics.biz/blog) - [Media](https://deepdiveanalytics.biz/media) - [Contact](https://deepdiveanalytics.biz/contact) - Book - [Subcribe](https://deepdiveanalytics.biz/subscribe) Open main navigation Close main navigation - [Home](https://deepdiveanalytics.biz) - [Blog](https://deepdiveanalytics.biz/blog) - [Media](https://deepdiveanalytics.biz/media) - [Contact](https://deepdiveanalytics.biz/contact) - Book - [Subcribe](https://deepdiveanalytics.biz/subscribe) --- ![DeepDiveAnalytics\_white 576 x 324-1](https://deepdiveanalytics.biz/hs-fs/hubfs/DeepDiveAnalytics_white%20576%20x%20324-1.jpg?width=400&height=225&name=DeepDiveAnalytics_white%20576%20x%20324-1.jpg "DeepDiveAnalytics_white 576 x 324-1") Transparency Matters What we do: Examiner and forensic accountant specializing in deep dive analysis of financial reporting from the insurance industry.  --- # The Deep Dive Blog ## [Sep 15, 2026, 4:09:11 PM • 3 min read ![](https://deepdiveanalytics.biz/hubfs/AI-Generated%20Media/Images/Solvency%20Word%20Art%20Bold%20Larger.png) Senator Demands Answers from the NAIC re: PEs Grip on Life Insurance Industry On September 10, 2026, U.S. Senator Elizabeth Warren issued a direct challenge to the National Association of Insurance Commissioners (NAIC). In a formal inquiry addressed to NAIC Chief Executive Officer Jeffrey C. Johnston.](https://deepdiveanalytics.biz/blog/senator-demands-answers-from-the-naic-pes-grip-on-la) ## [Sep 2, 2026, 4:02:33 PM • 4 min read ![Reinsurance and Surplus Analysis](https://deepdiveanalytics.biz/hubfs/DDA%20Blog%20Banner%20For%20Top%2040%20Report-1.png) Forty Carriers, $1.3 Trillion, and a $182 Billion Buffer (report download) A forensic accountant's read on the fastest-growing blind spot in life and annuity balance sheets — what the aggregate numbers show, what the carrier-level numbers show, and why the second set is worse. Most of the warnings you have read about life and annuity carriers in the last two years have ...](https://deepdiveanalytics.biz/blog/razor-thin-surplus-why-the-financial-statement-your-client-needs-is-the-one-nobody-reads) ## [Jul 22, 2026, 6:01:54 PM • 2 min read ![](https://deepdiveanalytics.biz/hubfs/AI-Generated%20Media/Images/Brown%20Leather%20Wallet%20Opened.png) The Illiquidity Trap: When A Carrier Can't Sell Its Assets to Pay Claims For financial advisors, the primary promise made to clients is simple: when the time comes, the insurance carrier will be there to pay the claim. But what happens when the very assets backing those promises are locked away in illiquid investments that are hard to take full advantage of during a ...](https://deepdiveanalytics.biz/blog/the-illiquidity-trap-when-an-insurance-carrier-cant-sell-its-assets-to-pay-claims) ## [Jul 2, 2026, 10:52:31 AM • 3 min read ![](https://deepdiveanalytics.biz/hubfs/AI-Generated%20Media/Images/Stacks%20of%20Hundred%20Dollar%20Bills%20in%20a%20Secure%20Vault.png) Statutory Surplus: The Bedrock of an Insurance Carrier’s Solvency When evaluating a life and annuity carrier, what determines whether a client's long-term retirement security is genuinely safe? It isn't a high-end marketing brochure, and it isn't an impressive corporate headquarters. The absolute bedrock of an insurance company’s solvency is its statutory surplus.](https://deepdiveanalytics.biz/blog/statutory-surplus-the-bedrock-of-an-insurance-carriers-solvency) ## [Jun 28, 2026, 8:43:08 PM • 3 min read ![](https://deepdiveanalytics.biz/hubfs/AI-Generated%20Media/Images/Annual%20Investor%20Report%20on%20Desk-2.png) GAAP vs. SAP: Why It's Crucial to Understand the Difference To truly understand how modern life and annuity insurance carriers operate, you must understand a fundamental distinction that Wall Street relies on, but the average policyholder doesn’t understand. We’re referring to the difference between GAAP and SAP.](https://deepdiveanalytics.biz/blog/gap_vs_sap_why_its_crucial_to_know_the_difference) ## [Apr 2, 2026, 3:56:56 PM • 2 min read ![](https://deepdiveanalytics.biz/hubfs/RED%20FLAG%20IMAGE.jpg) The Top 3 Red Flags to Look for in L&A Carriers At Deep Dive Analytics (DDA), we don’t look at the marketing brochures or the "A+" ratings from agencies that often miss the forest for the trees. Instead, we rely on the decades of experience of our founder, forensic accountant and CFE Tom Gober. Tom has spent four decades pulling back the curtain ...](https://deepdiveanalytics.biz/blog/the-top-3-red-flags-in-an-la-carrier) ## [Mar 25, 2026, 12:30:00 PM • 2 min read ![](https://deepdiveanalytics.biz/hubfs/private%20equity%20conflict.jpg) Private Equity's Conflict with Long-Term Solvency in Life Insurance The essence of a Life and Annuity (L&A) insurance carrier is the long-term promise: a commitment to pay a future death benefit or provide retirement income decades down the line. To keep this promise, a carrier must operate with prudence, prioritize solvency, and maintain transparent, ...](https://deepdiveanalytics.biz/blog/understanding-private-equitys-conflict-with-long-term-solvency-in-life-insurance) ## [Feb 15, 2026, 6:57:59 PM • 3 min read ![](https://deepdiveanalytics.biz/hubfs/sleight-of-hand-blog-image.png) The Great Insurance ''Sleight of Hand": How Policy Reserves Vanish into a Black Hole As a Certified Fraud Examiner and Forensic Accountant who has spent 40 years conducting deep-dive analyses of the U.S. insurance industry, I have seen a lot of financial chicanery. But few maneuvers are as brazen, yet as consistently overlooked by the public and regulators, as the insurance ...](https://deepdiveanalytics.biz/blog/the-great-insurance-sleight-of-hand) ###### Transparency Matters - [Home](https://deepdiveanalytics.biz) - [Blog](https://deepdiveanalytics.biz/blog) - [Media](https://deepdiveanalytics.biz/media) - [Contact](https://deepdiveanalytics.biz/contact) - Book - [Subcribe](https://deepdiveanalytics.biz/subscribe) ©2026 Deep Dive Analytics, LLC All rights reserved. [Privacy Policy](https://deepdiveanalytics.biz/privacy-policy) -