Built on year-end 2025 statutory filings
Know what your insurer's balance sheet is really holding.
Re:Examine publishes independent risk reports on U.S. life & annuity carriers, written by forensic accountants who read the statutory filings line by line. A couple of pages that show you where the risk actually sits.
$949.99 per report · no subscription · yours to keep
By Deep Dive Analytics
Illustrative layout — every report is built from the carrier's own filed numbers.
What you receive
What's in every report.
Each carrier gets the same analysis, run on its own filed numbers. You know what you're buying before you buy it.
Headline risk score
The DDRA% — higher-risk assets plus affiliated reinsurance measured against the carrier's reported surplus.
Balance-sheet picture
Assets, liabilities, and surplus side by side, benchmarked against the national surplus-to-liabilities average.
Higher-risk asset breakdown
Asset-backed bonds, commercial mortgages, mezzanine loans, derivatives, and other less-liquid holdings, itemized.
NAIC 50% guideline check
Affiliated investments measured against the NAIC's 50%-of-surplus guideline — and by how much it is exceeded.
Affiliated reinsurance reliance
Reserve credits and ModCo ceded to affiliated, captive, or offshore reinsurers. This is the exposure that's hardest to find in a filing.
Report + analysis charts
Every purchase comes with two views: a brief-style report you can print or save as a PDF, and an interactive chart dashboard on the company in your account.
How it works
From sign-up to report in minutes.
Create your account
Register with your email in under a minute. Your reports live in your account from then on.
Pick a carrier
Search every U.S. life & annuity carrier by name or NAIC number and order the report you need.
Read it instantly
The report appears in your account the moment checkout completes — view it online or download the PDF.
The initiative
Decades of forensic accounting, finally pointed at the policyholder's side of the table.
Re:Examine exists because the riskiest shifts in the life & annuity industry — affiliated investments, captive reinsurance, less-liquid assets — are technically disclosed but practically invisible. We re-examine the filings so you don't have to.