THE INSTITUTE

FOR INSURANCE TRANSPARENCY

Setting the Standard for Transparency in the Insurance Ecosystem

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Truth #1

What's Behind the Curtain Might Scare You

The insurance industry is often operated for the benefit of large brokers and insurance giants, leaving buyers manipulated and at a disadvantage. The traditional method of getting competitive bids for insurance plans is called into question, as the information on the data submitted and level of negotiation involved doesn't get relayed to the client.Paul Gable, a former head of underwriting for Prudential, shares his frustration with the opaque process of insurance bidding and the advantages of a fully transparent process. The ones that are slow to adopt have the most to lose.

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Truth #2

The Hidden Costs of Pharmacy Benefit Management

The insurance industry is often operated for the benefit of large brokers and insurance giants, leaving buyers manipulated and at a disadvantage. We turn our attention to the Pharmacy Benefit Management (PBM) sector, a realm traditionally obscured and dominated by the Big-3 PBMs, in which CVS, Optum, and Express Scripts control roughly 80% of the PBM market. What if there was an alternative that not only competes with the Big-3 but also offers significant savings to employers?Dr Stephen T. Boyd, EVP & Co-Founder of Liviniti, shares his insights into the traditional PMB model and the advantages of a fully transparent process.

The ones that are slow to adopt have the most to lose.

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• Dowload Liviniti PBM Rubric

Truth #3

Navigating D&O Exclusions For Certainty

In the world of Directors & Officers (D&O) coverage,
assumptions can be your Achilles’ heel. Many
top executives entrust their insurance brokers with
managing their D&O policies, presuming their best
interests are always at the forefront. But recent revelations
suggest a different narrative.
Kevin LaCroix, Author of The D&O Library, shares his thoughts.

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Truth #4

Why Change Brokers? A Challenge to the Status Quo

In an era where insurance ranks among a company’s top four expenses, having the right advisor is critical for financial health, risk management, and talent retention.To shed light on this challenging topic, we interviewed five seasoned executives representing both large public corporations and small private businesses to uncover their thoughts on the merits and pitfalls of switching brokers.

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Truth #5

Captives In Focus: Unlocking The Full Potential of Stop-Loss Insurance

With stop-loss cost trends at a 13-year high, exploring new avenues of handling financial risk is imperative. In this segment of Insurance Truths, we explore the why many overlook captives for Stop-Loss insurance.

Download the White Paper Here:

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Don’t miss out on this opportunity to discover how captives can revolutionize your approach to stop-loss insurance. Learn from industry experts, gain actionable insights, and find out how you can start saving today.


Join Us for an Exclusive Seminar on Stop-Loss Captives September 16, 2024 | 8:30-10:30 AM | Itasca, IL

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