Delivering Capital Synergies through Insurance Consolidation
As a European Composite Insurance Consolidator we offer a range of capital and risk solutions to improve your capital efficiency. This includes portfolio acquisitions, portfolio transfers and reinsurance solutions.
What we do
At Montagne, we find highly efficient capital solutions for life- and non-life closed books. With our experience and track-record from previous transactions, we provide exceptional capital returns for our shareholders whilst providing excellent policyholder services and regulatory standing. As a start-up composite insurance consolidator focussing on the EU, we address the significant opportunity to consolidate closed books across various countries.
30+ years of business experience
Our management team has a proven track-record in various insurers across Europe, North America, the Middle East and Asia.
40+ M&A and consolidation deals
Experience from previous projects pays off. Having done almost 50 successful consolidations allows us to apply this market knowledge to future projects.
Exceptional returns
With a range of tools to optimize & consolidate closed books, exceptional returns paired with prudent risk-management can be achieved.
Company Acquisition
During a Company Acquisition, Montagne takes over the entire life insurance entity including the insurance portfolio, customer interaction, legal entity, staff, systems, current processes, contracts and liabilities & assets. This allows the selling party to focus on their core business and free up capital.
Composite Reinsurance
Montagne offers a range of risk transfer options. A life or non-life reinsurance allows the seller to keep their customer interaction whilst offloading particular risks of reinsured portfolio.
Portfolio Transfer
In a Portfolio Transfer, Montagne offers to take over the customer interaction as well as the assets and liabilities of the closed books and merge them with existing systems and staff to create synergies. This approach is focused on specific portfolios within the life insurance company that the insurance company may wish to sell and typically leads to faster transitions freeing up capital for the seller in a timely fashion
How we generate value
We help sellers to free up capital from legacy books to support their growth agenda. At the same time, we generate value by efficiently consolidating closed books. Value generation for each book is highly individualized, but general levers are:
01
Investments
Optimise Structure
Achieving outperformance within risk tolerances with high quality credit and carefully selected illiquid assets.
02
Risk Management
Technical Excellence
Optimise risk across the books, utilization of diversification benefits and prudent asset selection.
03
Capital Efficiency
Asset Liability Matching
Efficient Asset-Liability-Matching and hedging of unwanted risks ensures best use of risk capital.
04
People, Processes & Systems
Operations & IT
Operational synergies through platform, process and system standardization.
Competitive Advantage through Policyholder Centricity
Montagne believes in long-term success in a business through compliance and policyholder centricity. Deal security relies on regulatory trust and a track record of treating policyholders right.
Therefore, we monitor customer interactions closely and ensure that the policyholder treatment matches our expectations.
Interested in learning more about Montagne?
Discover how our experience in life and non-life insurance consolidation can assist you.