Insurance Advisory & Regulatory

The rules keep shifting. The scrutiny does not. Springline helps carriers, MGAs, TPAs, captives, and regulators stay compliant, strengthen reporting, and make smarter decisions in an industry where risk, regulation, and growth are always colliding.

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Regulation, Reporting, Risk. Repeat.

Insurance companies are not just responding to regulation. They're managing statutory and GAAP reporting, governance expectations, examinations, capital questions, cybersecurity risk, technology modernization, transaction activity, and operational demands that often overlap in the same quarter. The challenge is not simply getting expert advice. It's getting advice that reflects how closely all those issues are actually connected.

Springline’s edge is the breadth and integration of our national insurance advisory practice. Our team supports commercial carriers, captives, MGAs, TPAs, regulators, and other insurance-related entities with services spanning licensing and governance, regulatory compliance, statutory accounting and reporting, audits and examinations, risk and controls, IT and cybersecurity, business valuation, M&A-related matters, and broader insurance-specific advisory work. Our practice is strengthened by deep insurance market relationships, cross-functional delivery, and a national bench that can support clients across multiple needs at once.

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More Scrutiny. More Systems. More to Defend.

Few insurance organizations are dealing with one issue at a time anymore. Regulatory examinations, accounting changes, cyber oversight, and transaction activity are converging on the same agendas in the same quarter, and the four pressures below are reshaping where insurance leaders are spending their attention right now.

State regulators have raised their expectations for internal controls documentation, affiliated transaction disclosures, reinsurance accounting, and reserve adequacy analysis. Organizations that carry regulatory examination risk year over year — rather than addressing it as an ongoing discipline — are increasingly finding themselves with findings that affect their regulatory standing and require costly remediation on a compressed timeline.

The shift to quarterly remeasurement under ASC 944 and the transition from formula-based to principle-based reserves under VM-20 and VM-22 have exposed gaps in actuarial data infrastructure, financial reporting systems, and the governance documentation that regulators expect to see behind the numbers. Carriers and insurers whose financial reporting hasn't kept pace are producing statements that don't hold up under the level of scrutiny now applied.

The NAIC Insurance Data Security Model Law and its state-level adoptions now require written information security programs, annual risk assessments, and third-party service provider oversight. Insurance department examiners are increasingly incorporating cybersecurity reviews into their examination scope — and organizations without robust IT governance documentation are exposed in ways that extend well beyond IT.

In Their Own Words

Results are one thing. Relationships are another. At Springline, we work hard to earn both. Here’s what our clients say.

The team at Springline is outstanding, which is why I have worked with them over the last five years. They are extremely knowledgeable and always reply quickly to any questions. In addition, they always provide a very quick turnaround on the reports we need to keep moving forward. The team has truly been five-star teammates!

Jim Kelly | Community National Bank

We know when working with the Springline team that we don’t have to worry. They know all the questions to ask and create a seamless process for everyone. I love working with such an experienced, competent and creative team. Their team members are focused, they’re experts, and they’re willing to think outside the box.

Kristen McSparren | Heritage Consulting Group

Without the credits we earned thanks to the team at Springline, this project would not have happened — hands down, bar none. Because of these tax credits, there are a lot of beautiful buildings across the state that are being saved.

Andrew Brain | Brain Group/ Park 39 Campus

The Springline team has been fantastic. They are responsive, knowledgeable, and help us through taxes making it simple for us. They have been very valuable and are very easy to work with!

Kevin Cavanaugh | JAGR Management LLC

The Springline team knows our operations and our business very well. The service they provide is very closely aligned with our expectations and values. It’s a really good partnership that has been built over decades.

Pete Jaeger | Endress+Hauser USA Holding, Inc.

The team at Springline is always available to take calls and discuss complicated tax and accounting questions. I have been pleased with the overall competence and professionalism of the team I work with.

David Erisman | ERISYS LLC

The Springline team is always amazing in terms of responses, turnaround time, and professionalism while being friendly and personable — something I’ve found to be rare in an accounting firm. Tax season is a breeze with Springline in my corner!

Sandra Martini | Martini Way, LLC

Our Springline team is just that, a TEAM!! We are extremely happy with the communication throughout every project we have with Springline, the thoroughness and completeness of the team’s work is unmatched, resulting in an amazing final product to us the customer!

Tyler Miller | Legacy View Investments

Our Springline team has been very responsive to our expanding needs. They can do simple just fine, but then they kicked into higher gear to take care of our changing more complex financial needs and tax concerns. They brought in a special expert to take care of our new financial demands and create a plan on how to handle them from a tax perspective.

Nancy Branyas |

The Springline team is exemplary. Communication is prompt and thorough. They are extremely knowledgeable and efficient. I’m confident that they can provide a good solution for anything I present. I know they are busy and at the same time they make me feel like I’m their only client.

Scot Sparks | 1900 Baltimore LLC

We chose to work with Springline based on our work together on our personal taxes for which they have always gone the extra mile to make sure we’re taken care of. The team is made of true professionals, while still being approachable. They really get to know you. This isn’t always the case with accounting firms in my experience. It has been a pleasure to work with them.

Katherine Lawson | Inspired by Alchemy

The Springline team has been fabulous to work with. They are extremely knowledgeable, proactive, and unbelievably attentive to all questions and concerns.

Brian Bischoff | Linkmeyer Development II, LLC

What I like best about working with Springline is their family-friendly approach. They instantly make you feel important as a client and not like a number.

Lindsey Miller | Legacy Contracting Group, LLC

It’s been a game-changer. Having three sets of eyes on financial matters keeps us aligned with our growth goals and gives me the peace of mind we’re controlling the business, versus the business controlling us.

Crux KC Marketing Firm | Founder & CEO

They’ve been an excellent business partner for over 12 years, helping us navigate difficult times and enabling us to minimize taxes. They helped us acquire a company and partnered with us as revenues increased significantly in a short time. They also assisted as we exited certain product lines for more profitable ventures. We have been impressed by the strategic deployment of their tax knowledge as well as successful navigation of an exhaustive IRS audit.

Healthcare Company | CFO

Your firm is amazing! Partnering with you is definitely one of the top business decisions of my career. To be able to now pay off outstanding IRS lien and to be current is a wonderful feeling. Thank you for all you do. I appreciate you more than you will ever know

Senior Care Services Company | Business Owner

They’re consistently there for a quick question or an intense review of our monthly and yearly close out. We can always count on them for fast, friendly, and reliable people to help move us forward to be the best in our industry.

Electrical Associates | Finance Manager

Who We Serve

Springline's national insurance advisory and regulatory practice serves the full spectrum of insurance entities. Our client base skews toward enterprise organizations with complex, multi-disciplinary needs that benefit from a single, integrated advisory relationship.

Property and casualty, life and health, and specialty lines carriers navigating statutory financial reporting, insurance department examinations, model audit rule compliance, market conduct reviews, capital management, and the full range of regulatory obligations that accompany a licensed insurance operation — from regional companies to enterprise organizations with assets well above $1 billion.

Our Insurance Advisory & Regulatory Capabilities

Our team of insurance industry experts provides a comprehensive range of compliance, governance, accounting, audit, actuarial, and advisory services for insurance entities — organized by discipline.

Annual and quarterly statutory financial statement preparation
Statutory financial statement audits
GAAP financial statement audits and GAAP remediation
SEC reporting for publicly traded insurance entities
Investment accounting and reporting
Reinsurance accounting and treaty compliance
MGU/MGA/TPA reinsurance audits
Agreed-upon procedures

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Springline Advisory, LLC and its affiliates are not licensed CPA firms and do not provide attest services. Attest services are provided by independent licensed CPA firms operating in an alternative practice structure with Springline Advisory, LLC or one of its affiliates.

SOC 1 and SOC 2 examinations
Internal audit co-sourcing and outsourcing
Integrated audits and MAR audits
Internal controls assessment and design
QAR coordination

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Springline Advisory, LLC and its affiliates are not licensed CPA firms and do not provide attest services. Attest services are provided by independent licensed CPA firms operating in an alternative practice structure with Springline Advisory, LLC or one of its affiliates.

Appointed actuary services and actuarial statements of opinion
Principle-based reserves — VM-20, AG43/VM-21, C3P1 & 2, VM-22
US GAAP LDTI support — MRBs, reinsurance, data management
Economic balance sheet modeling — IFRS 17, Bermuda Solvency Capital, Solvency II
Actuarial audit and QAR coordination
Financial projections and forecasting — GAAP and Statutory
ARCVAL, ARCBase, and Experience Analyzer software
Finance and actuarial modernization
Staff augmentation and outsourcing for actuarial functions

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CLIENT SUCCESS STORIES

Bottled Water Expansion...

A national bottled water organization was looking to further expand its operations into new markets across the United States. However, the company had never performed...