The initiative
The disclosures are public. The understanding isn't.
Re:Examine is the public-facing work of Deep Dive Analytics, examiners and forensic accountants who specialize in insurance-industry financials. Decades of working inside statutory filings led to a simple conclusion: the information policyholders and advisors need most is filed in plain sight, and almost no one ever reads it.
Over the past decade, the U.S. life & annuity industry has quietly transformed. Carriers have shifted reserves into affiliated and offshore reinsurers, traded liquid bonds for asset-backed structures and private credit, and invested surplus back into their own affiliates. Every one of these moves is disclosed — across schedules, footnotes, and exhibits spanning hundreds of pages per company.
Nobody placing an annuity or advising a client has time to do that reading. We do it for them. Each report compresses a carrier's year-end statutory filing into a couple of pages: what it holds, what it owes, how much of its risk sits with affiliates, and how thin the cushion really is.
This isn't alarmism. Plenty of carriers come through the analysis looking strong, and their reports say so. The point is that the picture should be available to the people whose savings depend on it.
Filed numbers only
Every figure traces back to the carrier's own statutory annual statement. No estimates and no adjustments. Just what was filed, reorganized so it can be read.
The same lens for everyone
Each carrier receives the identical analysis. No report is commissioned or edited by the company it covers.
Surfacing what's buried
Affiliated investments, captive reinsurance, and less-liquid assets are disclosed across hundreds of statement pages. The reports pull them into one place.
Independence
Deep Dive Analytics sells analysis to readers, not consulting to carriers. That's the whole business model, and it's what keeps the work credible.
Pick a carrier. See for yourself.
Create an account and order your first report.