Provide surplus relief
Provide catastrophe protection
Provide underwriting guidance
Stabilize loss experience
To reduce the financial consequences of a single catastrophic event that causes multiple losses
To limit liability for a single loss that occurs over more than one policy period
To assume a loss exposure with potential financial consequences that are higher than its financial condition would otherwise permit
To withdraw from a market segment in a geographic area
Minimizing fluctuations in retained losses from year to year.
Receiving ceding commissions to offset policy acquisition expenses.
Obtaining underwriting advice from a reinsurer to increase underwriting profit.
Reducing large line capacity to minimize the ratio of net written premium to policyholders' surplus.
An insurer's line is influenced by the maximum amount of insurance or limit of liability allowed by insurance regulations.
The specific characteristics of a loss exposure do not influence an insurer's line.
Reinsurance is generally not used to increase insurers' large-line capacity.
Large-line capacity is an insurer's ability to reinsure a larger proportion of its book of business.
Confirm the adequacy of the premiums it charges to its insureds.
Transfer all of its insurer's insurance risk to another insurance entity.
Indemnify it for some or all of the financial consequences of certain loss exposures covered by the insurer's policies.
Shift responsibility for claim handling to another insurance entity.
The capacity ratio.
Reinsurers are prohibited from transferring part of the liability they have accepted under reinsurance agreements to other reinsurers.
The reinsurance agreement alters the terms of the underlying insurance policies.
The retention under a reinsurance agreement is always expressed as a percentage of the original amount of insurance.
The reinsurance agreement identifies the policy group of policies or other categories of insurance that are included in the agreement.
Once risk is transferred to a reinsurer the reinsurer cannot transfer the risk to another reinsurer.
Reinsurance transfers the obligations that a primary insurer has to its insured to the reinsurer.
The ceding company is the insurer that agrees to indemnify another insurer in case of loss.
Reinsurance agreements typically require the primary company to retain part of its original liability.
Stabilize insurer earnings.
Satisfy regulatory requirements for reinsurance.
Increase large-line capacity.
Reduce policyholders' surplus to acceptable levels.
State insurance regulation mandates that for accounting purposes premiums be recognized as revenue at the time a new policy is sold and expenses be recognized as they are earned over the policy's life.
State regulators prohibit reinsurers from providing primary insurers with payment for policy acquisition.
From a regulator's perspective if an insurer's ratio of written premium to policyholders' surplus exceeds 3 to 1 the insurer is selling more insurance than is prudent relative to the size of its net worth.
When an insurer's policyholders' surplus increases that insurer's ability to grow its premium is diminished.
Membership organizations in which reinsurers share statistical data.
Advisory organizations that provide information about primary insurers to reinsurers.
Groups of insurers that share the loss exposures of the group usually through reinsurance.
Professional development organizations for reinsurance intermediaries.
To offer reinsurance to affiliated insurers
To create pools so that groups of insurers can share the loss exposures of the group
To serve insurers' reinsurance needs
To create a syndication of reinsurance intermediaries
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너는 시간이 없어.
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