Learn what the $235 billion problem hiding inside the life insurance industry means for your policy and how to tell if your carrier is financially sound. In this presentation, Caleb Guilliams hosts Tom Gober (Deep Dive Analytics), a 41-year insurance examiner, who explains how to read a carrier's statutory annual statement to judge surplus, reinsurance and transparency.

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Chapters:
00:00 Introduction and Trailer
00:56 Why Carrier Choice Matters Most
02:32 Statutory vs. GAAP Accounting
03:05 You Can Only Claim the Carrier
04:03 Surplus: The Only Solvency Buffer
06:25 Private Equity vs. Mutual Surplus
07:12 Pensions Being Moved to Insurers
08:05 41 Years as an Insurance Examiner
09:16 Risky Assets, Liquidity and Opacity
10:02 Two Years Undercover on Fraud Cases
10:40 Iowa Made Captive Filings Secret
13:13 How Black Box Captives Underfund
15:05 Regulators Too Cozy With Carriers
17:03 Athene's $235 Billion Offshore Deal
18:29 From Athene to Chairing the NAIC Group
20:37 The Biggest Threats to the Industry
20:54 How Carriers Create Fake Surplus
21:13 Illiquid Assets Pushed by Private Equity
21:58 The Insurer as the Group's Cash Cow
23:12 The Whirling Dervish Reinsurance Map
25:59 Building the Deep Dive Risk Report
28:11 Compare Risk to Surplus, Not Assets
28:49 The Carrier Risk Spectrum Explained
30:12 The One Question to Ask Any Carrier
31:14 How to Get Your Free Carrier Report
34:59 Your Policy Is Only as Strong as Carrier

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*This video is for entertainment purposes only and is not financial or legal advice.

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