About Us
We strategically partner with insurance companies to explore opportunities to enhance their financial flexibility. Our goal is to help companies use capital more efficiently while minimizing risk.
We strategically partner with insurance companies to explore opportunities to enhance their financial flexibility. Our goal is to help companies use capital more efficiently while minimizing risk.
Agam was founded in 2016 by Avi Katz and Chak Raghunathan with the vision to create a cutting edge differentiated analytical platform. The execution towards this vision continued with the development of pALM, Agam’s proprietary asset and liability management (ALM) system. Offering the only end-to-end enterprise wide risk and capital analytic solution, pALM empowers strategic decision makers towards their capital optimization goals With a fully embedded dynamic strategic asset allocation (SAA) and enterprise risk management (ERM) infrastructure, pALM supports Agam’s ability to offer one stop, turnkey insurance solutions.
Agam’s team of experts have a global reach with offices in the USA, Canada, Bermuda and India. In addition, Agam ISAC Bermuda, which offers a comprehensive suite of operational, management and governance services to Bermuda based reinsurers, is fully licensed as a Class E insurer by the Bermuda Monetary Authority (BMA).
Why We’re Different?
TRUST
Building trust by investing in long term relationships leading you to explore a wide range of options in an unconstrained manner. We seek to understand your needs and only then apply the benefits of our deep experience and differentiated technology to identify a set of forward paths to explore.
TECHNOLOGY
We are a technology driven advisor offering bespoke solutions tailored to your individual needs. With the only end-to-end ALM and ERM platform in the market, we offer decision makers a unique perspective with an emphasis on liquidity and capital usage, built from first principles and developed through an independent and calibrated financial model aiming towards organic and inorganic solutions.
pALM
With unmatched speed and throughput, pALM powers the advisory process by enabling our professionals to explore a range of potential outcomes from the widest lens possible. This liability driven approach creates target blocks for further query and explores valuations though a variety of investment and regulatory lenses.
CAPITAL SOLUTIONS
We offer capital solutions designed to attract high quality investors with long-term risk profiles. By building a financial model we enable a solution by providing a detailed perspective on the key risks and sensitivities and facilitating bilateral engagements which optimizes transaction time and certainty along with a range of outcomes across geography and liability complexity.
OPERATING MODEL
We offer full Operating Model which provides a turnkey solution for managing the ongoing operations and enterprise risk environment. The model packaged with our dynamic SAA harnesses the full power of the balance sheet to drive organic growth strategies. With the integration of pALM, SAA offers intelligence and insights into the efficiency of the capital usage and opportunities for enhancing product design and marketability.
Building trust by investing in long term relationships leading you to explore a wide range of options in an unconstrained manner. We seek to understand your needs and only then apply the benefits of our deep experience and differentiated technology to identify a set of forward paths to explore.
We are a technology driven advisor offering bespoke solutions tailored to your individual needs. With the only end-to-end ALM and ERM platform in the market, we offer decision makers a unique perspective with an emphasis on liquidity and capital usage, built from first principles and developed through an independent and calibrated financial model aiming towards organic and inorganic solutions.
With unmatched speed and throughput, pALM powers the advisory process by enabling our professionals to explore a range of potential outcomes from the widest lens possible. This liability driven approach creates target blocks for further query and explores valuations though a variety of investment and regulatory lenses.
We offer capital solutions designed to attract high quality investors with long-term risk profiles. By building a financial model we enable a solution by providing a detailed perspective on the key risks and sensitivities and facilitating bilateral engagements which optimizes transaction time and certainty along with a range of outcomes across geography and liability complexity.
We offer full Operating Model which provides a turnkey solution for managing the ongoing operations and enterprise risk environment. The model packaged with our dynamic SAA harnesses the full power of the balance sheet to drive organic growth strategies. With the integration of pALM, SAA offers intelligence and insights into the efficiency of the capital usage and opportunities for enhancing product design and marketability.
We invest in long-term relationships designed to build trust and explore a wide range of options in an unconstrained manner. We seek to understand your needs and only then apply the benefits of our deep experience and differentiated technology to identify a set of forward paths to explore.
We are a technology driven advisor offering bespoke solutions tailored to your individual needs. With the only end-to-end ALM and ERM platform in the market, we can offer decision makers a unique perspective of their enterprise with an emphasis on liquidity and capital usage. This approach is built from first principles and provides insights towards organic and inorganic solutions though the development of an independent calibrated financial model.
With uncanny speed and throughput, our pALM platform powers the advisory process by enabling our professionals to explore a range of potential outcomes from the widest lens of possibility. This liability driven approach isolates target blocks for further query and can explore valuations though a variety of investment and regulatory lenses.
Where appropriate, we offer capital solutions designed to attract high quality investors with deep pools of capital and long-term risk profiles. As part of our advisory process, we build a financial model to enable a capital investment solution by providing a detailed perspective on the potential investment in relation to its key risks and sensitivities. This approach facilitates bilateral engagements which optimize transaction time and certainty. The flexibility of the capital enhances the range of outcomes across geography and liability complexity.
As needed, we can also offer a full Target Operating Model which provides a turnkey solution for managing the ongoing operations and enterprise risk environment. This operating solution can be packaged with our dynamic SAA offering which truly harnesses the full power of the balance sheet to drive organic growth strategies. Fully integrated with pALM, our dynamic SAA offers detailed intelligence and insights as to the efficiency of the capital usage relates to investments and opportunities for enhancing product design and marketability.
How We Do It?
The foundation of our offering starts with pALM, our proprietary ALM and ERM platform. Designed with the latest in cloud native computing, pALM can efficiently and seamlessly be harnessed to model anything from a particular legacy liability block to an entire balance sheet. By merging asset, liability and capital modeling onto one common platform, pALM offers users tremendous flexibility to explore the full array of "what if" outcomes in a timely and efficient manner.
We have built a deep team of multi-talented experts with experience across investments, actuarial, finance, risk, and technology functions. Working as a unit, each team leverages decades of practical experience on top of the cutting-edge power of the pALM platform. With the only end to end enterprise functionality, pALM provides our professionals with a unique lens of capital usage and risk allocation. Designed to be flexible, scalable and fast, pALM can quickly produce an independent model which empowers decision makers to explore a full range of potential outcomes and strategies.
The process is designed to ensure efficient engagement with a constant pivot towards actionable deliverables and ease of execution. Our approach covers the full range of engagement from model design, development, validation, and application. This model forms the foundation for capital solutions and investor engagement and facilitates the full spectrum of due diligence, structuring and risk management. Further, the pALM model transitions seamlessly to support the Target Operating Model for the going concern platform. This support provides a turnkey solution by combining management, governance, and regulatory engagement to create a cost-effective option for insurers and reinsurance providers.
