Ledger Investing is a fintech platform and marketplace that enables the securitization of insurance risk, connecting insurers with institutional investors interested in a new asset class. Ledger Investing provides proprietary software and advanced data analytics that allow insurance companies to efficiently transfer and securitize insurance risk, while giving asset managers, pension funds, hedge funds, family offices, and similar institutions the ability to invest directly in insurance portfolios.
Founded in 2016 by Julien Brissonneau, Aymeric Rabot, and Samir Shah, Ledger Investing is designed to open access to insurance risk as an alternative investment, traditionally a domain reserved for large insurance and reinsurance companies. Their technology streamlines the complex processes of risk analysis, deal structuring, and reporting, making insurance-linked investments more accessible and transparent for both sides of the marketplace.
How Does Ledger Investing's Technology Enable Insurance Securitization?
Ledger Investing deploys proprietary software and data-driven analytics to assess, structure, and facilitate the transfer of insurance risks. This technology provides:
- Deep portfolio analytics for various types of insurance risk
- Automated workflows for risk assessment and deal origination
- Transparent reporting for both insurers and investors
By digitizing and automating these processes, Ledger Investing helps insurers unlock capital and optimize balance sheets, while enabling investors to access a diversified, non-correlated asset class.
Who Uses Ledger Investing?
Ledger Investing serves a range of institutional investment organizations, including:
- Asset managers
- Pension funds
- Hedge funds
- Family offices
- Other qualified institutions seeking exposure to insurance risk
This model appeals to investors looking for alternative investments with attractive risk-adjusted returns outside of traditional asset classes.
Who Are Ledger Investing's Competitors?
Ledger Investing operates in the insurance investment and risk securitization technology space, which is increasingly competitive as insurers seek alternative capital solutions and investors look for new sources of yield. Notable competitors and adjacent platforms include:
- Conning: Customized, integrated investment solutions for insurers and pension plans.
- BlackRock Aladdin for Insurers: Multi-asset class risk analysis and investment management platform.
- FIS: Investment accounting and risk management for insurers.
- Finastra: Integrated platform for insurance companies and asset managers.
- Lloyd's: Global insurance marketplace and risk solutions.
- Clearwater Analytics: Comprehensive insurance investment aggregation, reporting, and analytics.
- Neuberger Berman: Investment solutions with rigorous analysis for insurers.
- J.P. Morgan Insurance Solutions: Investment strategies and analytics for insurance investors.
- Riskonnect Inc.: Risk and compliance management platform.
- New England Asset Management (NEAM): Capital and risk analytics for insurance portfolios.
Each of these firms provides investment management, analytics, or risk transfer solutions relevant to insurers and institutional investors, though Ledger Investing differentiates itself by focusing on a technology-driven, marketplace approach to insurance securitization.
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