Capital Solutions

A rating isn’t a grade. It’s a relationship.

Guy Carpenter helps its clients dissect the factors that most influence ratings, and make the precise changes in their business that will produce the greatest benefits.

Individual rating agencies respond to different factors. What matters changes with economic, political, and market shifts – as well as with the performance and capital structures of the companies being rated. Guy Carpenter arms its clients, wherever they do business, with unique insights into the workings of rating agencies and regulators, and a practical agenda for getting rated, moving up, and protecting their advantage over time.

We have proven readiness tests for rating success, honed by every client experience. We can model how each rating agency will respond to the data that our clients provide. And, because we’re Guy Carpenter, we can not only model improved solutions, we can help our clients implement them, and shape their presentations for best effect.

We have helped many clients improve their dialogue with rating agencies and regulators. Our client's performance relative to peers matters a great deal, and this is a factor that we analyze from both a quantitative and qualitative standpoint. Our people are able to anticipate and identify potential issues in time for our clients to make adjustments.

You can do better. Now what?

Depending on the issue, we bring in our experts in enterprise risk management, GC Securities*, strategic advisory or analytics. When a client is planning a strategic move, we work with our colleagues across the firm to map the steps that rationalize bold ambitions with rating agency perceptions and regulators’ requirements.

OF NOTE

A.M. Best's more transparent ratings criteria provide benefits to insurers

Maintaining or improving ratings is a priority for most insurers. This can be challenging amid increasing demands for companies to "own their risk" (Own Risk and Solvency Assessment "ORSA") in an environment of evolving rating agency requirements, including A.M. Best's (Best) proposed ratings methodology and Stochastic-based Best's Capital Adequacy Ratio (BCAR) criteria. Article written by Eric Simpson, Managing Director, Ratings Advisory.
ARTICLE

How Guy Carpenter can improve and protect your standing:

  • Rating criteria impact and advisory
  • Risk-adjusted capital management advisory
  • Validation of capital projections
  • Strategic options to support rating and capital management objectives