Analyse de rentabilité
A French mutual insurance group considered several diversification opportunities to strengthen its economic margin and support long-term growth. The contemplated activities included intermediary housing, borrower insurance brokerage, real estate credit brokerage, home services, auto brokerage, and administrative or medical support services.
The assignment combined strategic assessment, legal structuring, operating model analysis and financial modelling for six diversification initiatives. The business plans covered revenues, commissions, rents, claims, reserve run-off, personnel costs, IT costs, operating expenses, tax, intra-group flows, cash flows, solvency impacts, funding needs and operational risks.
Accuracy supported senior management in deciding whether and how to proceed with several diversification initiatives. We combined business plan modelling, solvency and financing impact analysis, and legal / operating model assessment to compare options, identify key risks and prioritise the most relevant development opportunities.