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Institutional Intelligence

Insurance & Risk Committees: Underwrite the Real Exposure

CIOs and Risk committees underwrite exposure based on reported financials and management representations. KOM™ adds an independent layer, a deterministic read on a company's real operational condition, run without needing its cooperation. For CLO exposure and credit risk committees, that means verifying the operational story behind a credit before it becomes a problem on the book, not after.

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Ins. & Risk Insight

Underwrite what's actually there.

58 percent of insurance CIOs, representing $14 trillion in assets, plan to increase private credit allocations, with 40 percent specifically increasing investment-grade exposure (Goldman Sachs Asset Management, 2025 Global Insurance Survey). That capital sits against long-tail liability books insurers answer for to regulators and policyholders, a different order of consequence than a fund absorbing a bad mark.