Due Diligence

Services
specialized for
your business.

Our Approach

What to Know

Navigating the complexities of mergers and acquisitions (M&A) requires a strategic approach to due diligence, especially in the realm of insurance, benefits and retirement. At our firm, we bring together experienced project managers and due diligence specialists who understand the intricacies and tight timelines associated with M&A deals and portfolio management.

Our Due Diligence services include:

Property & Casualty

Executive Summary: Red flag analysis, alongside identification of coverage deficiencies, audit discrepancies, and benchmarking

Financial Overview: Pre- and post-close total cost​ of risk assessment, one-time transaction costs, cost saving opportunities​, and liability accrual and collateral analysis

Compare & Contrast Commercial Programs:  Combinability of buyer and target insurance programs, if strategic acquisition and outlining gaps in coverage with remedy recommendations

Employee Benefits

Executive Summary: Company benefit program expense​, employee cost share​, post-close pro forma​, and employee disruption assessment

Compare & Contrast​ Benefits Programs​: Eligibility and enrollment rules​, detailed side-by-side comparison of benefit designs and employee contributions​

Integration and​ Harmonization Analysis: Actuarial cost impact modeling​, Monte Carlo liability simulations, and sensitivity analysis for various enrollment outcomes

Retirement

Plan Health Assessment: Insight into the health of the target company’s retirement program including rating, performance, average contribution and total plan cost

Portfolio Analysis: Weighted expense ratio comparison​, portfolio performance comparison, portfolio construction review​, and qualitative and quantitative analysis of each investment option

Considerations and Recommendations: Outlines various options available to the buyer for structuring the retirement program(s) post-close and provides IMA Retirement’s suggested strategy for structuring retirement program(s)

Financial and Tax Diligence

Partnered with RedRidge, our team of finance and accounting specialists help to identify deal issues and aid investment decision making. 

  • Quality of Earnings
  • Financial Projection Analysis and Model Development
  • Quality of Working Capital Review
  • Customer and Supplier Contract Review
  • Assessment of Accounting and Finance Personnel
  • Tax Due Diligence
  • Opening and Closing Balance Sheet Preparation
  • Interim Finance and Accounting Support
  • Audit Review

Our team provides the tools and insights necessary to support your transactions, helping you mitigate risks and achieve your business objectives. With our expertise, we ensure that your insurance due diligence is thorough, timely, and aligned with your strategic goals, providing peace of mind for private equity firms and financial sponsors.

In today’s fast-paced M&A environment, having a dedicated due diligence team is not just beneficial—it’s essential. We are committed to supporting you through every step of the process, helping you protect your investments and secure successful outcomes.