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A risk-adjusted operating model for insurers: Addressing regulatory and market demands

Our work with insurance clients reveals key insights: regulatory requirements are becoming a more important challenge as regulators tighten requirements related to equity, governance and transparency. Compounding matters, competitive forces have steadily increased.

As insurers explore how these forces are affecting their operating models, we believe insurers can respond to regulatory and market challenges in such a way as to create real, sustainable competitive advantage. Enter the Risk-Adjusted Operating Model (RAOM). This Accenture model supports value generation by optimizing the generation and use of capital while minimizing operating, financial and regulatory risk.

This report examines the elements of a RAOM, and explores how insurers can transform to the model and implement it successfully.

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