The A1Policy is tailored to each individual client’s requirements regardless of the state of the market. Being a multi-class / multi-year policy, it is intended to smooth out the effects of volatilities in the insurance marketplace. This provides benefits to both buyer and seller so as to engender a longer-term relationship. The A1Policy process determines the efficacy of the A1 approach relative to the buyer’s and seller’s existing arrangements. Both sides are thus enabled to make the most informed decisions.