--- title: Subscribe description: Analysis of life and annuity carrier statutory filings. --- [Skip to main content](https://deepdiveanalytics.biz/subscribe#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.  ![T Gober Headshot](https://deepdiveanalytics.biz/hubfs/T%20Gober%20Headshot.png "T Gober Headshot") ## **Get Access to Our Analysis** ### [Subscribe to DDRA to access DDA Analysis of Life and Annuity Companies](https://portal.deepdiveanalytics.biz/login) ## The Reality of Life & Annuity Filings Over the past decade, the U.S. life and annuity industry has undergone a quiet, structural transformation. Carriers have increasingly shifted reserve liabilities into affiliated and offshore reinsurers, swapped liquid corporate bonds for complex asset-backed structures and private credit, and invested surplus capital back into their own affiliates. Every single one of these moves is disclosed across statutory schedules, footnotes, and exhibits spanning hundreds, and sometimes thousands of pages per carrier. Nobody placing an annuity or advising a client on long-term financial security has the time to read thousands of pages of statutory filings. **We do it for you.** Each DDA report compresses a carrier's year-end statutory filing into a direct, two-page analysis revealing: - **What it holds:** Concentration in illiquid, private credit, or structured assets. - **What it owes:** Total policy liabilities and deposit-type contract obligations. - **Offshore exposure:** How much risk sits with secret or affiliated captives. - **The true cushion:** How thin the surplus margin really is when accounting gimmicks are removed. #### Institutional / Advisory Firm Access Designed for RIAs, broker-dealers, investors, and compliance teams requiring firm-wide due diligence and carrier risk monitoring.   [![\\Subscribe to DDRA\\](https://no-cache.hubspot.com/cta/default/47518003/interactive-217722485886.png)](https://deepdiveanalytics.biz/hs/cta/wi/redirect?encryptedPayload=AVxigLK0nLFlIyiR56jOrj7niukBrLeIS2QFCOWVKyDWRCVsbV9SqdrI9pNpkkjWODQCvviIrV07pODkE%2Fn7acg06y7wdBtwI2vk53zJTP9WLMYV1acZw8nMNg5MbYZUabNXgANXsvu1F%2FzvtesNgVczG%2Bi6295UINIh%2FiuC4Xg9qnuCFnPOU42dnOWoG2P7eRJM%2BkVi1bzVP33KUSw9HTXM2hsz&webInteractiveContentId=217722485886&portalId=47518003&hsLang=en) ###### 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?hsLang=en) -