Our services

Tailored Group Risk Benefit Solutions

Every group has different risk benefit requirements. We help clients design sustainable structures around their membership, objectives, affordability and risk appetite.

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Experience across traditional and alternative risk

Selecting the most appropriate solution requires careful consideration of the group's membership profile, benefit objectives, claims experience, affordability, risk appetite and long-term sustainability.

With extensive experience in traditional and alternative risk solutions, Kula Partners assists large employers, retirement funds and other institutional groups in designing and implementing appropriate benefit structures.

Alternative Risk Management Solutions

We conduct feasibility assessments for organisations and retirement funds considering alternative risk arrangements.

These arrangements may range from self-insurance structures for Group Life and Permanent Disability benefits to the establishment of a cell captive through one of our trusted cell captive partners.

Our actuarial resources are experienced in designing, assessing and monitoring alternative risk solutions aligned with each client's financial and operational objectives.

Feasibility assessments
Financial modelling
Alternative risk benefit design
Risk pricing
Self-insurance structure development
Cell captive design and implementation
Claims experience analysis
Claims investigations
Determination of unpaid claims reserves
Capital adequacy assessments
Performance and profitability monitoring
Sustainability assessments
Ongoing review and optimisation

Traditional Insured Risk Solutions

Kula Partners is a binder holder for several respected insurers.

This enables us to assist clients with the placement, implementation and administration of a comprehensive range of insured group risk benefits.

Cover May Include

Group Life Assurance
Temporary Disability Cover
Permanent Disability Cover
Permanent Health Insurance
Income Protection Benefits
Funeral Cover
Spouse and Family Cover
Credit Life Cover
Other customised group risk benefits

Design and Placement Services

Reviewing membership and demographic data
Analysing historical claims experience
Reviewing existing policies and benefits
Assessing applicable policy and fund rules
Recommending suitable benefit levels
Developing pricing and financial projections
Obtaining and evaluating insurer terms
Supporting implementation
Reviewing ongoing benefit performance

A sustainable programme, whatever the structure

Whether the appropriate arrangement is insured, self-insured, structured through a cell captive or combines different approaches, Kula Partners provides the technical, actuarial, administrative and strategic expertise required to develop a sustainable group risk programme.