Program Structures - Factors To Consider:

Licensing and Compliance Cost implications for Underwriting, Distribution and the provision of  Claims Management Services. 

Fronting Solutions - effectively renting a locally approved insurer's paper can work in some cases, but will be restricted by product type and can be very costly. 

Depending on product and program it is possible to simplify regulatory compliance by issuing a single contractual liability insurance policy (CLIP) to insure the risk.

The advantages of this structure are that benefits are fully insured  and Underwriters only need to issue a single CLIP in the territory where they are admitted.

Awareness and Assessment - Ultimately greater returns on deployed capital can be achieved through careful and considerate product design.