ORSA is more than just another four-letter word. Or acronym, to be precise. For insurers, ORSA is, as Pennsylvania Deputy Insurance Commissioner Steve Johnson said a couple NAIC meetings ago, “a game changer for the insurance industry.”

But what is it? That’s a little more complicated than an elevator speech, since the Own Risk and Solvency Assessment, ORSA, is more than just a report. It is a system that may mean process changes for some insurers, and could mean business-model changes for others....

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