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Will the Fund Last? Social Security Sustainability in the Caribbean

June 24, 2026by Dr Dawkins Brown

Almost every Caribbean territory runs a national social security scheme, and almost all face the same arithmetic: an ageing population, a shrinking contributor base, and benefits that will one day outrun the money coming in. The actuary’s task is to say when — and what it would take to change the answer. Nearly every...

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Climate on the Balance Sheet: Quantifying What the Region Can No Longer Ignore

June 24, 2026by Dr Dawkins Brown

Climate risk has stopped being an environmental footnote and become a financial one. It reaches the balance sheet through two channels — physical and transition — and the organisations that quantify it early will navigate the decade ahead far better than those that wait to be told. For most of the last two decades,...

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Pricing the Storm: Parametric Cover for a Small-Island Economy

June 24, 2026by Dr Dawkins Brown

When a hurricane strikes, money is needed in days but traditional insurance pays in months. Parametric cover closes that gap — paying a pre-agreed sum the instant a measurable trigger is crossed. Its value, and its danger, lie almost entirely in how the trigger is designed. When a major hurricane crosses a Caribbean island, the...

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The Liability on Your Balance Sheet You May Be Underestimating

June 24, 2026by Dr Dawkins Brown

Beyond pensions, IAS 19 captures gratuities, long-service awards, post-retirement medical cover and accumulated leave. Unfunded and long-dated, these obligations are routinely under-provided — until an actuary measures them properly. Most boards know there is a number on their balance sheet for the pension plan. Far fewer are confident about the other employee-benefit obligations sitting beside...

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De-Risking the Pension Promise Before It De-Rails the Balance Sheet

June 24, 2026by Dr Dawkins Brown

A defined-benefit pension can be the largest financial risk an organisation carries — quiet for years, then suddenly decisive. De-risking is how a board takes control before circumstances do. A defined-benefit pension is one of the longest promises an organisation can make. It commits an employer, often decades in advance, to pay a member...

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Expected Credit Loss Without the Guesswork: ECL for Caribbean Cooperatives

June 23, 2026by Dr Dawkins Brown

For the credit unions at the heart of Caribbean finance, IFRS 9’s expected-credit-loss model can feel like institutionalised guessing. Done with discipline, it is the opposite — and a powerful early-warning system. Across the Caribbean, credit unions and cooperatives are not a financial-sector afterthought — they are a cornerstone. They hold the savings of...

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Pricing for Profit: Actuarial Discipline in Product Development

June 23, 2026by Dr Dawkins Brown

In competitive markets, price is set at the front line — but profit is decided in the assumptions. Without actuarial discipline, insurers grow their way into losses. There is a seductive logic in insurance that catches even experienced management teams. Write more business and the top line grows; grow the top line and the...

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The Quiet Risk: Why Reserve Adequacy Decides an Insurer’s Future

June 22, 2026by Dr Dawkins Brown

Reserves are the largest number on most insurers’ balance sheets and the least understood by their boards. Getting them wrong is rarely loud — until, suddenly, it is catastrophic. On the balance sheet of almost any insurer, the single largest figure is also the one the board understands least. It is the provision for claims...

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The Evolving Role of the Appointed Actuary in Caribbean Supervision

June 22, 2026by Dr Dawkins Brown

Once a signature at the back of an annual return, the appointed actuary is becoming a strategic guardian of solvency — and regional regulators are steadily raising the bar. For most of its history, the role of the appointed actuary was easy to summarise and easy to underestimate: value the policy liabilities, certify that...

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Making IFRS 17 Work in the Caribbean: Beyond Compliance to Insight

June 22, 2026by Dr Dawkins Brown

The most significant change to insurance accounting in a generation is also the region’s largest untapped source of management insight — if insurers stop treating it as a reporting chore. IFRS 17 is the most significant change to insurance accounting in a generation, and for most Caribbean insurers it arrived as the largest...

Older Posts

Pricing the Storm: Parametric Cover for a Small-Island Economy

The Liability on Your Balance Sheet You May Be Underestimating

Expected Credit Loss Without the Guesswork: ECL for Caribbean Cooperatives

Pricing for Profit: Actuarial Discipline in Product Development

The Evolving Role of the Appointed Actuary in Caribbean Supervision

Making IFRS 17 Work in the Caribbean: Beyond Compliance to Insight

June 24, 2026Will the Fund Last? Social Security Sustainability in the Caribbean

June 24, 2026Climate on the Balance Sheet: Quantifying What the Region Can No Longer Ignore

June 24, 2026Pricing the Storm: Parametric Cover for a Small-Island Economy

June 24, 2026The Liability on Your Balance Sheet You May Be Underestimating

June 24, 2026De-Risking the Pension Promise Before It De-Rails the Balance Sheet

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