Financing Solutions

• Financial services businesses include banks, brokerage firms, credit unions, credit cards, insurance companies, asset and investment companies such as private-equity firms, private-equity funds, real estate investment trusts, sovereign wealth funds, pension funds, mutual funds, index funds, hedge funds, stock exchanges, and other companies that generate profits through investment and management of capital.

Finan­cial solu­tions

Finan­cial solu­tions are struc­tured rein­surance agree­ments that go beyond risk manage­ment and aim to achieve certain financial objec­tives for our world­wide life and health clients, such as:

• Increase return on capital
• Improve solvency ratios
• Increase capital levels
• Ease reserving require­ments
• Fund organic business growth
• Assist in finan­cing of mergers or acqui­sitions
• Reduce volati­lity in earnings and finan­cial ratios

full range of finan­cial solu­tions to match our clients’ objec­tives, spanning every­thing from standar­dised arrange­ments to highly-custo­mised struc­tures and covers.

These include:

New-business financing (cash and non-cash)

Monetisation of embedded value

Reserve relief

Solvency relief

Divestiture of non-core businesses

The main types of financial services for you to consider:

1. Banking

Banking includes handing deposits into checking and savings accounts, as well as lending money to customers. About X% of the money deposited into banks must stay on hand, as dictated by the Deposit Insurance (DI) reserve requirement. The other Y% is available for loans. Some of the interest the bank earns from these loans is given to the customers who have deposited money into the bank.

2. Advisory

This branch of financial services helps both people and organizations with a variety of tasks. Financial advisors can help with due diligence on investments, provide valuation services for businesses, aid in real estate endeavors, and more. In each case, advisors help to guide people in the right direction when making financial decisions.

3. Wealth Management

This type of financial service helps people to save money intelligently, and receive a return on their investment when possible. If you have a 401K program through your employer, that is one type of wealth management.

4. Mutual Funds

Mutual funds institutions offer a type of investment that multiple parties share in. These investments are managed by a professional, not the investors themselves. The buy-in for a mutual fund is not quite as large as some traditional investments in bonds, the stock market, or the like, so they are a popular option for people who are a little hesitant with their finances. The investments are also diversified, which helps to mitigate risk.

5. Insurance

This is one of the more common types areas in financial services. Most people have some understanding of insurance; it is a system that you pay into monthly or annually which acts as a safety net and covers costs of some large expenditures which are often unforeseen. There are many kinds of insurance: health, auto, home, renters, and life insurance, just to name a few.