Who Is Tom Gober & What Is The TSR Ratio? Click The Video Below To Learn More...

To learn more about why the TSR Ratio™ analysis is so important today, please take a look at some of the articles, letters and research papers that further address the prevalent higher-risk asset concentrations and opaque/offshore reinsurance, relative to the for-profit life insurer’s surplus:

Final Letter to NAIC

Why Athene's '$19B of Surplus' Is Misleading

Gober Letter to US Sen Banking Committee

New Reinsurance Strategy

Gober Position on NAIC Credit for Reinsurance

Critics Call for Reinsurance Crackdown

Senator Sherrod Brown Letter

NAIC Reassures Congress on PE - Led Ins.

Shining A Light on a Shadow Industry

Eileen Appelbaum Paper