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B12 · Category · For Buyers

Carrier Due Diligence.

Six clusters of carrier-side diligence — transferability, financial performance, concentration risk, structural complexity, execution strategy, policy-portfolio analysis. The deepest carrier-DD framework in agency M&A.

29pieces
In this category
6sub-topics
Sub-hubs
8min avg
Reading time

Carrier Financial Performance

B12Carrier rehabilitation and probation in agency M&Atactical · Carrier Financial Performance8 minB12Clawback provisions — the hidden commission liabilitytactical · Carrier Financial Performance8 minB12Contingency bonuses — quality and durability for buyerstactical · Carrier Financial Performance8 minB12Loss ratios — the carrier-durability indicator for buyerstactical · Carrier Financial Performance8 min

Concentration Risk

B12The 30/55 rule — pricing carrier concentration risktactical · Concentration Risk8 minB12Carrier appointment durability — the tenure signaltactical · Concentration Risk8 minB12Client concentration risk — the carrier-side stack-uptactical · Concentration Risk8 min

Execution and Strategy

B12The carrier acquisition letter — a buyer's templatetactical · Execution and Strategy8 minB12Carrier profile alignment — the 3-type buyer frameworktactical · Execution and Strategy8 minB12Strategic carrier consolidation — the post-close playbooktactical · Execution and Strategy8 minB12Terminated carrier agreements — the history to readtactical · Execution and Strategy8 min

Policy Portfolio Risk

B12Average policy premium — the book's profit-density scoretactical · Policy Portfolio Risk8 minB12Policy portfolio risk review — the line-of-business readtactical · Policy Portfolio Risk8 minB12Policy renewal cycles — the timing dimension of M&Atactical · Policy Portfolio Risk8 min

Structural Complexity

B12Book ownership verification — the buyer's three-part testtactical · Structural Complexity8 minB12Code release vs. policy release in agency book transferstactical · Structural Complexity8 minB12MGA vs. direct appointments — the synergy premium for buyerstactical · Structural Complexity8 minB12Agency network affiliations — who owns the appointmenttactical · Structural Complexity8 min

Transferability and Contracts

B12Binding authority in insurance agency acquisitionstactical · Transferability and Contracts8 minB12Carrier change-of-control clauses for agency buyerstactical · Transferability and Contracts8 minB12Carrier termination and exclusivity clauses for buyerstactical · Transferability and Contracts8 minB12Renewal rights verification for agency acquisitionstactical · Transferability and Contracts8 min
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