Our Services

At Fletcher Financial, Inc., we serve as an independent resource for insurance mergers and acquisitions, helping buyers and sellers identify options that maximize cost, revenue, and operational efficiencies.

With over three decades of experience and deep industry relationships, we stay connected to key decision makers and current market activity. This allows us to provide clients with critical perspectives, motivations, and competitive strategies throughout the M&A process. We manage the full spectrum of the transaction, ensuring every viable option is clearly presented and evaluated.

Our approach begins with understanding each company's goals. We do not pursue deals for the sake of activity; we advocate for outcomes aligned with long term strategy. Our reputation is built on clear communication, market familiarity, and solutions that drive compatibility across infrastructure, distribution, processing, and pricing while keeping our client's best interests at the forefront.

Frequent Client Objectives

  • Support for new entrants and expanding operators seeking efficient access to the insurance market through intentional platform build-outs. This includes company formation, acquisitions for state licenses with limited or no in-force, and alignment of critical vendor relationships such as third-party administrators, distribution partners, and operating infrastructure. The focus is accelerating time-to-market while establishing a scalable foundation from day one.

  • Strategic support for established insurers and owners at inflection points driven by growth constraints, operational complexity, or shifting priorities. FFI evaluates alternatives across policy administration, distribution relationships, new business flow, and legacy in-force block reinsurance, translating strategic decisions into executable transactions and restructurings.

  • Capital optimization solutions focused on improving regulatory, economic, and operating capital efficiency. This includes structured reinsurance, capital relief transactions, and redundant reserve solutions for both legacy blocks and new business. Structures are tailored to support growth objectives and evolving capital needs.

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